utterance: Hello this is Timo Riley at Intellibank. Thank you so much for calling us today. Who do I have the pleasure of speaking to on this fine day?

utterance: Hello! This is Michael Irving.

utterance: Mr. Irving, thank you so much for calling us. What can we do for you today?

utterance: Hey! How you doing? I know that man I just you know today I just started my business and went through some of the files and stuff I know I needed to get some stuff going men and I need I need to schedule appointment and with a risk specialist man you know some things are going on in regards in the company and I'm just like oh my God! Like men. So, I went to this party yesterday and I talked to this gentleman and he he works at another company and he was just like oh my gosh there's so much stuff going on with COVID and the economy we need to make sure that you take protocol man and you know you can't be too you know you you don't wanna do too much with the businesses and stuff like that and you don't wanna do too much. So, it's very important to to make sure that you are you know being cautious in your businesses and life and stuff man so at to the party man I've looked up some stuff and I I'd see that you guys offer certain nice resources to handle those things for your client to be better.

utterance: Absolutely! I I love the love the with all those needs. Let's just start up of by getting your full name.

utterance: yes! Full name Michael Irving.

utterance: All right, Mr. Irving. And what is your birthday?

utterance: My birthday is ten twenty-nine. Nineteen eighty.

utterance: Got it! All right, fantastic! And the city and ZIP code that you're based in?

utterance: Lancaster, California.

utterance: Got it! And last four of your social?

utterance: Thirty-three fifty-five.

utterance: All right. And the four digit PIN.

utterance: Eleven twenty-seven.

utterance: All right and your driver's license, please.

utterance: Y T four eighty sixty-three thirty-six four.

utterance: All right. sixty-seven all right that's that's what we have. And then could you tax ID.

utterance: Yes. My tax ID is twenty-four eighty-one thirty-six five two one.

utterance: All right! So, that's perfect! We got that! And so, this is a business account, right? For business account. What's the name of your business?

utterance: Yes.

utterance: Out Toys in a teas.

utterance: OK. Definitely have that on file. And the address.

utterance: address is sixty-three forty-five west avenue Lancaster, California.

utterance: Got it! OK. Fantastic.

utterance: Ninety-three fifty-five six.

utterance: And and just to confirm you are the sole owner of this business?

utterance: Yes!

utterance: And what is the establishment date of this business?

utterance: you said .

utterance: The establishment date.

utterance: Oh the establishment date. March fourth two thousand five.

utterance: Got it! Fantastic! And your gross sales.

utterance: One point five billion.

utterance: All right fantastic! All right! And so, what can we do for you today?

utterance: Well, you know I needed to like I was saying I need want I need to purchase a stock order and a.

utterance: A stock market order OK we can do that for you today and would you would this so this is this is a market order What is the ticker of the stock and then quantity that you'd like to purchase?

utterance: Poly it it Polygon. That's

utterance: So so P.

utterance: P O L Y is the is the ticker? All right. And what how many shares?

utterance: Yeah.

utterance: Yeah.

utterance: let me do fifty-three million.

utterance: Fifty-three million. OK fantastic! We can definitely do that. let's see. That order is submitted. And you want it

utterance: I wanted fifty-three million in.

utterance: Fifty-three million dollars.

utterance: Yeah!

utterance: Worth.

utterance: Yeah!

utterance: All right, fantastic! And so you wanted to use the account on file. The account number that we have on file for the bank?

utterance: Yes!

utterance: Can you just provide the account number?

utterance: Yes! Account number is two four eight one five one five six six.

utterance: Great! And the value number?

utterance: Fifty-two sixty-three thirty-nine ninety-three four.

utterance: All right fantastic! Got that! And also the the email that you have on file? is is J J N F T at Yahoo dot com. And this is a confirmation.

utterance: That's it.

utterance: Can you please, sir. Thank you so much.

utterance: All right.

utterance: Of of the purchase to that. OK. And is there anything else I could do for you today?

utterance: Yes! let me get a let schedule me an appointment with the risk specialist in can I come can I come in for that? Or do ?

utterance: well

utterance: Everything is via Zoom at this time. So, we have an opening tomorrow at two p.m. with Jim. Jim Ocano, he's our specialist.

utterance: OK cool.

utterance: That would be great. Can you put me down two P~.

utterance: OK, so, they'll be reaching out and it will be to the number we have on file.

utterance: OK. Thank you so much. I really appreciate it!

utterance: All right. Any~

utterance: Anything else we can do for you?

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

utterance: Thank you for calling us today.

utterance: Bye bye!


speaker_role: Agent

utterance: Good afternoon and thank you for calling Intellibank This is Thomas. How can I help you today?

speaker_role: Customer

utterance: Oh hey excuse me. Oh hey Thomas, I just wanted to call and check in and make sure I'm up to date with everything.

utterance: Great, so you have an account with us or several accounts, which is it?

utterance: Oh yeah, no so I just have a loan account and I wanna make sure I'm up to date with that.

utterance: So you have a loan account? OK.

utterance: I'd be happy to take a look at that for you. I will first need your first and last name.

utterance: John Rogers.

utterance: John Rogers. Is that John with a H or without?

utterance: with.

utterance: With, got you.

utterance: Also, your date of birth.

utterance: Yeah, that's March seventh nineteen eighty-four.

utterance: March seventh nineteen eighty-four.

utterance: Also, to access your information, I will need a four to eight digit PIN number.

utterance: I can't just give a social security or something?

utterance: no sir. It's a it's a specialized PIN that you set up, that we had you set up in the beginning for security. So only you would have access to it and just needed for phone calls because you know we it says says at the beginning of the call that we do record the calls that so they know that I'm the only one that has access to it in the beginning.

utterance: Yeah, it's just, it's just kind of a pain to have to remember something different for every single company you interact with you know? Online passwords and every. All right, yeah I think I have that. How many digits did you say it was?

utterance: I'm sorry sir but I assure you we're just doing this for security measures. it's a four to eight digit PIN number.

utterance: oh god. Yeah, OK seven, three, six, seven, two.

utterance: OK, thank you for that.

utterance: just this will take a second for this to process through our system.

utterance: Oh, man.

utterance: Yeah, I was at the gas station the other day and I was I couldn't I was just trying to buy some gas, I had the card, I had my ID but because the I think we changed addresses recently, so the billing ZIP code didn't match up and all I wanted to do was get some gas. anyway, yeah this. The small details You know how the more. The more things you have in terms of things you have access to, I guess the more security that has to come with it, you know, I don't know.

utterance: I'm sorry.

utterance: Well, I'm sorry to hear that Sir. I don't know if you'd be interested in this but I do believe that one of our credit cards has a gas points connection to it through Shell, I can I'll give you some information on that at the end.

utterance: You know, I.

utterance: Gotta be honest, I'm not much of a Shell fan just not my brand of gas if I can be honest with ya. Do you have a preferred gas brand?

utterance: My mechanic actually told me to go to Shell.

utterance: Is that right?

utterance: Yes, he said the

utterance: Is he on the.

utterance: Shell payroll?

utterance: I don't think so. He's very independent. It's a. It's a fuel efficiency thing and I tested it out and it seemed to work work in my favor.

utterance: Is that.

utterance: Right? I heard Chevron's the best.

utterance: Oh I I don't know. maybe you have a different vehicle and you know different Vehicles react to different types of gas, but. Just wanna make sure I get this processed for you so I can let you free up some time in your day. I will need a loan account number.

utterance: Yeah.

utterance: Yeah, that is one, three, one, seven, five, two, seven, four.

utterance: Thank you for that information. Also, a payment bank account number.

utterance: Yeah, one, two, one, zero, zero, eight, six, four.

utterance: Thank you.

utterance: And please provide also the payment routing number. Mhm.

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

utterance: All right, I'll link those accounts, so this payment can be made between those two but further I would need a payment date, the date you want the payment.

utterance: It really.

utterance: Says Shell's the best. That just surprises me. I haven't I don't think I've ever heard anybody ever recommend Shell.

utterance: I don't know, maybe I need a different mechanic, but it seems be

utterance: I. You know, I gotta be honest.

utterance: Buddy, that's what I would suggest I would suggest you get a second opinion on which brand of gasoline is the best to put in your car.

utterance: I will take that into account. But speaking of accounts uh-huh I just want to make sure we link your accounts and get that payment date set up for you. What's the payment date you want it to happen?

utterance: This month and next week on a Wednesday That's the what is that, that's the fourteenth.

utterance: OK. The fourteenth that would be December fourteenth and for what amount?

utterance: eight hundred dollars.

utterance: Eight hundred dollars scheduled for the fourteeth and that will be submitted right now. Look for that payment verification in your account if you log in to check it out online at Intellibank dot com or through the mobile app, but we will send you a confirmed payment email on that day as well as a text alert.

utterance: Anything else I can help you with?

utterance: no, that's it.

utterance: Thank you so much for banking with Intellibank since two thousand nine.

utterance: All righty.

utterance: Have a good night.


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

utterance: Hi, William. I need to get a replacement credit card. I put mine in the laundry and it doesn't work anymore when I try to put it in chip readers and all that. Just doesn't work so I need a new one.

utterance: Oh, I'm very sorry to hear that. Will not be a problem to get you a new card out as quickly as possible. let's go ahead and start by pulling up your account.

utterance: OK.

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

utterance: Oscar Bigginton.

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

utterance: April eleventh nineteen sixty-five.

utterance: What is your four digit security PIN?

utterance: Seven seven one one.

utterance: And was it. What is your six digit account number?

utterance: Eight oh three three nine four.

utterance: Great. All right. Just need you to hold on a second here while my system loads.

utterance: No

utterance: Worries. You ever do that? I put. Like I was doing laundry. I checked every single pocket. I swear I did. And then outta the laundry comes this soaked credit card which I put cards in there before and they were fine but this one for some reason. Took it out, tried a two or three different places to buy things. Didn't work anywhere and I knew it was a dud. And then I had to run across town. I guess my kid fell at school. Took him to the yard. He's fine. He's had to get stitches on his lip. it's kinda crazy you know? Like all these things happening in one. That's what happens right? They say it comes in what is it groups of threes? So I guess I'm looking for the third thing tonight. But those are the first two and then brace yourself.

utterance: Mm.

utterance: Mhm.

utterance: Well hopefully it won't be during this call.

utterance: OK. Good.

utterance: OK. We are in the account here. All right. And you still have that card that went through the wash?

utterance: I do.

utterance: Then I'm gonna need the sixteen digit card number.

utterance: Yes. Seven four four two one zero five six nine nine three four eighty-two zero one.

utterance: And what is the three-digit security code on the back of your card?

utterance: Five six five.

utterance: Thank you.

utterance: You're welcome.

utterance: All right. I'm just pulling up your account here. Got the card pulled up. Now go ahead and once we're off the phone I'm gonna need you to cut up that card and dispose of it.

utterance: OK.

utterance: All right. And in order to finish this, I am gonna have to ask you a couple of security questions. first off, what is your first pet's name?

utterance: Wow. I always forget this. Can I put you on hold actually?

utterance: Sure. Please take your time as long as you need.

utterance: OK. First pet ever right?

utterance: it it is whatever you told us.

utterance: Yeah. just hold on one sec. Hey, are you there?

utterance: Hey, absolutely.

utterance: OK. Look I literally had to text my mom in Nebraska cuz she remembers our dog's name was Fido.

utterance: All right. And speaking of your mom, I'm gonna need your mother's maiden name.

utterance: Oh, yes. I do remember that. It is Jones.

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

utterance: That is Vernon Avenue.

utterance: Before I hit submit on this, I just wanna make sure that we have your correct address so we're not sending this card out to whoever. what is the address that we have on file for you?

utterance: That should be one eight nine Cortin Avenue in Omaha Nebraska Six four three five zero.

utterance: All right. So this will just take a second. Hold on just a moment here while this processes. And your new card is on its way. It'll be to you in two to three business days.

utterance: Great.

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

utterance: That's it. Thanks for letting me knock this out.

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

utterance: Bye bye.

utterance: Bye.


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

utterance: yeah, I'm going to be closing my account today.

utterance: OK, sir. Sorry to hear that but can I please get your last name?

utterance: yeah, it's Carlson.

utterance: Carlson. Is that with a C or a K?

utterance: Oh, that's with a C.

utterance: Can you please spell it for me?

utterance: yeah, it's C A R L S O N.

utterance: OK.

utterance: And my first name is Brent.

utterance: Brent.

utterance: Brent. Yeah.

utterance: B

utterance: R E N T?

utterance: Yeah, and my mother's maiden name is Dempsey. And my date of birth is three fifteen eighty-two. My social is three two two oh sev~

utterance: I'm .

utterance: Five

utterance: Five oh six.

utterance: Sorry. I'm sorry I cut you off, but I don't need all of that information, but I did.

utterance: Mhm.

utterance: Oh.

utterance: Sorry about that.

utterance: No

utterance: worries. No worries. I I did need your birth date, but I didn't write it down in time. Could you please give that to me one more time?

utterance: Oh, yeah. That's March fifteenth nineteen eighty-two.

utterance: OK, great. Thank you.

utterance: Aquarius.

utterance: Yes. I don't know much about that stuff, but

utterance: Oh, you should. You should look into it, because it's fascinating.

utterance: Excellent. Yes. What what does the big character trait of the Aquarius.

utterance: you know, I. I. I. I just read the. The day to days, so I don't know the overall. I just find it fascinating, you know, you wake up in the morning and you look up what's gonna happen that day. You know, sometimes it happens, sometimes it doesn't. It helps guide my day.

utterance: Mhm.

utterance: Mhm.

utterance: Yes. I'm sure it must be fun to see if any of them come true or not. Excellent.

utterance: I think fun is the exact word.

utterance: anyway, back to it. mother's maiden name is Dempsey.

utterance: sir, we don't need your mother's maiden name, but I do need your PIN number. Do you have that?

utterance: Oh, yeah. That is three two six four.

utterance: Three two six four. OK. Yes, Mr. Carlson, I see your account here and it looks like you have one account through us, so you would like to transfer all the money from this account and close your account. Is that correct?

utterance: I would yes.

utterance: OK. we have a total amount of one hundred and thirty-three thousand two hundred eighty-four dollars and seventeen cents.

utterance: That sounds right.

utterance: OK. where would you like to transfer this money? Is it going to another banking account?

utterance: Yeah. I am I'm switching banks.

utterance: OK. that is fine, but it is my job to have a reason for why you'd like to close your account. Could you please tell me what prompted this decision?

utterance: You know I. I just haven't been thrilled with your online app. I. I do most of my banking online. I find that your app, quite frankly, is confusing and a little buggy. And this has nothing to do with you guys. You know every time I call you're very nice, but I'd rather not call. I'd rather do it online, and frankly, I've heard great things about the Bank of America's online services, so I'm gonna be moving it over there.

utterance: OK. Thank you, sir. I Sorry to hear that you had trouble with the online services. I've made a note, and I'm sure that we will address this with our online department and see if we can improve that in the future. So we appreciate your feedback.

utterance: I mean I couldn't even download the app.

utterance: Yep. It's So you just It wouldn't work on your phone or?

utterance: I

utterance: I have no idea. Yeah, I don't know.

utterance: OK. Well I made a note of that as well, and we're gonna pass that on. And but I'm here to help you close your account. And I will do that. pretty quickly. so all I will need is. It sounds like you are going to Bank of America. Can you please give me the routing number?

utterance: Great.

utterance: Let's do it.

utterance: sure. It is five six six.

utterance: Mhm.

utterance: Oh four six three oh two.

utterance: Mhm.

utterance: OK. Thank you, and can I please get your account number?

utterance: currently, with. With you guys?

utterance: No, with Bank of America.

utterance: that is four five oh nine eight six four seven three five two four.

utterance: Mhm.

utterance: Excellent. So I just need a couple seconds for it to link with the Bank of America system.

utterance: Oh, this is gonna happen right now.

utterance: Well, usually probably. We always say it usually takes about a day, but usually it is. It is fast. thanks to technology. But we just never can predict how another bank is going to react, so we just always say give it a day. But it'll be out of our system immediately, so one. One more time just to make sure, Mr. Carlson. You would like to take your entire balance and. And move it over to this new account?

utterance: Oh OK.

utterance: OK.

utterance: Yes, I would.

utterance: OK. We're gonna take care of that and I. I've now done that, so I don't know how long it'll take to get to Bank of America. It's on their end now. So but it should be within twenty-four hours. It should be appearing in your account.

utterance: Great. That's perfect.

utterance: OK.

utterance: Thank you so much.

utterance: No problem. Anything else I can do for you before you go?

utterance: Nope. That'll do it today.

utterance: All right, sir. Good luck with your bank, and I hope you have a great day.

utterance: Thank you very much. You too.


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

utterance: How you doing Gerry? Can you give me the price of the US consumer index?

utterance: sure I'd be happy to assist you with that. And if I could just ask, do you have an account with us Sir?

utterance: Yes Sir.

utterance: All right and what is your first and last name?

utterance: Benjamin Framlin.

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

utterance: Erase Construction Company.

utterance: All right and Mr. Frayman I'm going to ask a few questions in order to verify your account because we do take your account security very seriously here and it's really for you and your accounts protection. this is why I have to ask this before I can address further any questions you have. Is is that under, is that OK?

utterance: Yes sir.

utterance: All right What is your date of birth?

utterance: three twenty-six nineteen seventy.

utterance: And what is the business address that you have with us?

utterance: My business address I have with you is is three six eight eight Leyman Court Smyrna Georgia three zero zero eight oh.

utterance: And what is your account number with us?

utterance: Oh OK oh hang on a second let me get that for you. OK we talking about my complete account. My complete account number is is seven nine eight six eight nine one two.

utterance: All right and what is the PIN number on your account?

utterance: One seven zero nine.

utterance: All right thank you for that. I was able to verify your account and yes it appears that regarding the US consumer price index. Let me just ask, is there a particular category that you were looking for information on?

utterance: Yeah, energy.

utterance: Yes and for energy what's the time period that you're looking for information on?

utterance: Round about a year.

utterance: OK, so for the past twelve months let's see here if I can get this pulled up here for you Mr. Frayman. for energy the US consumer price index has had an increase of point two four per cent for energy cost in the US for energy.

utterance: OK OK that's reason my bills getting higher.

utterance: yes sir there has been an increase of the cost of energy for the average person including business and that trend appears to be on the rise at least here over the short term.

utterance: Probably yeah yeah it was it's gonna be yeah on a different scale anyway from residential.

utterance: indeed indeed and of course with the US consumer price index just so that you're aware, if you ever do wish to learn more information about that you can visit our website and right there on our website it will tell you what the change in the consumer price index is both quarterly, monthly as well as annually.

utterance: Oh OK sounds good.

utterance: and Mr. Fraymen is there anything else I can assist you with?

utterance: Yeah what's the the balance on my complete account, could you get me that?

utterance: Sure, sure absolutely for your business total checking account it appears that the account balance is twenty five thousand.

utterance: OK. All right.

utterance: And with that being the case Mr. Frayman is there of course anything I can assist you with?

utterance: No I think that covered everything I'm kinda bringing everything full circle and I appreciate what you did, thank you.

utterance: Well Mr. Fraymen of course we certainly do appreciate you giving us a call. And keep in mind by the way if you ever have any questions about your account we are always here available to assist you at the help line but also you have access to our online website where you can access your account information, check your account balances you have the ability to transfer funds as well as check the consumer price index and of course if you do need to do any wire transfers and even for that matter initiate a loan application you can do that right there online with us.

utterance: Oh sounds good. Thank you so much. Thank you.

utterance: I I I know that that was a lot but we do try to give you all the tools as a valued customer of ours to make it easy to do business with us.

utterance: Oh yes that's that's real I appreciate that.

utterance: Mr. Freeman anything else I can assist?

utterance: That'll be all. Thanks very much. have a good day.

utterance: Thank you. You as well.

utterance: Thank you.


utterance: Hello and thank you for calling Intellibank. My name is Cassandra. How can I help you today?

utterance: Hello.

utterance: I wanted to see if I can get the balance due on my credit card please.

utterance: Yes sir. I can certainly look that information up for you in our system. I'll need to get a little bit of information from you so that I can go ahead and pull up your file if you don't mind.

utterance: I don't mind.

utterance: All right sir. First of all can I have your first name please?

utterance: Yes. First name. William.

utterance: All right and last name sir.

utterance: Greyson.

utterance: OK sir. Can I have your date of birth now?

utterance: Yes, my date of birth is five twelve nineteen seventy-four.

utterance: And could you give me the PIN associated with this account please?

utterance: Well up which one you have on file but I have two of them. My old PIN was twenty-four ninety-seven. But I believe you have this note filed, five five two three?

utterance: Yes sir. We do have that updated PIN on file. That's five five two three. Again you can make a note of that for future reference sir.

utterance: OK.

utterance: All right sir.

utterance: And could you next give me the credit card number that you were wanting the balance due on sir?

utterance: Yes. The credit card number is five two six one five two nine eight two three two three two zero eight eight.

utterance: All right sir. That was fifty-two sixty-one, fifty-two ninety-eight two three two three two zero eight eight. Correct?

utterance: Correct.

utterance: OK, sir. Give me just one moment while I look up that information in our system.

utterance: I certainly can. it's been a beautiful day. I wish I could have spent it golfing.

utterance: So how has your day been so far?

utterance: Oh it's been pretty good sir. It's actually beautiful here as well and I've been actually trying to get out of work so I can go ahead and spent the day with my kids today.

utterance: Oh.

utterance: Great. Great.

utterance: Yeah I can't wait. They've actually been waiting on me all morning.

utterance: well, got a little longer to wait then.

utterance: Oh yeah. Just a little bit.

utterance: OK.

utterance: All right sir. I've looked up that account information for you. Looks like your current balance due is four thousand nine hundred and eighty-five dollars. Your payment due date isn't until eleven twenty-four twenty twenty-one and your normal payment of two seventy-five will be due by that time sir.

utterance: OK. Sounds great.

utterance: All right sir.

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

utterance: Oh, actually Cassandra I'm wanting to apply for a term loan. I was going to I was I was going to go to a branch but since I have you on the line you think you can help me with that one?

utterance: Absolutely sir. I can absolutely pull that up information up for you and go ahead and apply through our system. I'll need to get a little bit more information from you, and probably need to get your first and last name as well, just so I can make sure that I process it correctly if you don't mind?

utterance: I don't mind.

utterance: OK sir. Let me go ahead and get to that screen.

utterance: OK.

utterance: All right sir. Could you go ahead and repeat your first and last name please?

utterance: Yes.

utterance: My name is William Greyson.

utterance: All right sir and could you give me your street address as well?

utterance: yes. My street address is thirty-five, seven eight Clinton Street.

utterance: And the city sir?

utterance: The city is Little Rock.

utterance: Street?

utterance: Arkansas.

utterance: I mean state. I'm so sorry sir.

utterance: It's OK.

utterance: And.

utterance: The ZIP code?

utterance: ZIP code is seven two two one one.

utterance: All right sir. Let me go ahead and verify that information. You said thirty-five seventy-eight Clinton Street in Little Rock, Arkansas, ZIP code seven two one one?

utterance: Yes.

utterance: All right. Thank you so much sir. Now could I get your social security number please?

utterance: My social security number is four three two eight six three nine six nine.

utterance: OK. That was four three two, eight six three nine six nine?

utterance: Yes.

utterance: All right sir and could you list your driver's license number please?

utterance: My driver license is four eight two two one nine one ninety-four.

utterance: All right. That was four eight two two one nine, one nine four?

utterance: Yes.

utterance: And what state was that?

utterance: That Arkansas.

utterance: OK sir and now could you repeat that account PIN for me for authentication purposes?

utterance: Yes. Five five two three.

utterance: All right sir. Thank you so much for that and now Mr. Greyson, could you give me the email address you would like on file with us?

utterance: Yes. That email is Greyson W S A S two zero one zero at Gmail dot com.

utterance: All right. That was Greyson W S A S two zero one zero at Gmail dot com?

utterance: Yes.

utterance: OK sir and what is that business name?

utterance: That business that business name is Shucks Auto Supply.

utterance: OK. That was Shucks Auto Supply sir?

utterance: Yes.

utterance: And are you the sole sole owner of this business please?

utterance: yes I am.

utterance: All right sir and could you give me the business date established?

utterance: The business date established it's nine five two thousand ten.

utterance: OK. You said September fifth two thousand ten?

utterance: Yes.

utterance: All right sir. Thank you for that and what is your estimated gross annual sales?

utterance: it's three hundred and thirty-five thousand.

utterance: OK.

utterance: Three hundred and thirty-five thousand yearly?

utterance: Yes, ma'am.

utterance: OK sir, and could you give me your tax ID number please.

utterance: My tax ID number is five six five, four three, four six six zero.

utterance: All right sir. That was five six five, four three four, six six zero?

utterance: Yes ma'am.

utterance: OK sir. Thank you so much for that information.

utterance: All right sir. Next I will need your business address please.

utterance: Yes my business address is five five one Lincoln Drive.

utterance: OK sir. You said five five one Lincoln Drive?

utterance: Yes ma'am.

utterance: OK and could you give the city?

utterance: Little Rock.

utterance: And the state please?

utterance: Arkansas.

utterance: And the ZIP code.

utterance: Seven two two one one.

utterance: All right sir. Thank you for that and how would you like this mail sent out to you? Would you like that sent to your home or business address on file?

utterance: Can you send that to my home?

utterance: Yes sir. Could you go ahead and verify that information again?

utterance: I sure can.

utterance: Thirty-five seven eight Clinton Street.

utterance: OK. The city, state and ZIP code?

utterance: Yes Little Rock. State Arkansas. ZIP code seven two two one one.

utterance: All right, thank you very much sir.

utterance: And let me see what's next on this list.

utterance: All right.

utterance: All right sir and what is that loan amount you would like for this loan?

utterance: I would like to apply for ten thousand.

utterance: OK. So you'd like to apply for a ten thousand dollar loan sir?

utterance: Yes ma'am.

utterance: And what is the purpose of this loan?

utterance: I am going to equipment, equipment purchase.

utterance: All right. You'd like to purchase some new equipment?

utterance: Yes ma'am.

utterance: OK sir.

utterance: And what exactly is the loan term you would like?

utterance: can I can I do one year?

utterance: All right sir. Certainly can.

utterance: Let me go ahead and process that information for you. Just give me one moment please.

utterance: All right.

utterance: OK Mr. Greyson. I've gone ahead and checked this information on our system. It looks like you've given us all the information we need to go ahead and try to process this. We will need additional supporting business documents. If you can you can send that in to us via fax email if you have a online checking account with us or if you have log in credentials with us and if not you can also send it to us in the mail.

utterance: But I would recommend you fax that to us and our fax number is gonna be sent to you via email to once we send this information back to you to verify your information because as long as it takes us to get your information, that's as long as it takes for the application to be processed.

utterance: All right. That would be fine.

utterance: OK sir. So we'll get back to you with the results of your application after you send in that supporting business documentation.

utterance: All right. Thank you Cassandra.

utterance: OK. Is there anything else I can do for you sir?

utterance: no, that's it.

utterance: All right. Thank you so much for your time and patience Mr. Greyson. Again my name's Cassandra and I hope you enjoy the rest of your day.

utterance: All right. You too.

utterance: Thank you sir.

utterance: Bye bye.

utterance: Bye bye.


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

utterance: yes, I wanna know what the balance is on my loan.

utterance: OK. I'll be happy to help you with that, and now let me just pull up your account. If I could ask, what is your first and last name, ma'am?

utterance: Evelyn Richards.

utterance: And, Miss Richards, what is the name of the business that has an account with us on file?

utterance: Jones Bed and Bath.

utterance: OK. Thank you for that, Miss Richards, and I'm gonna ask you a few questions here. It's for account security verification purposes. We here at Intellibank do take your account security very seriously, and it is for your account protection, and of course your businesses protection as well. Is it all right if I ask you a few questions to verify your account?

utterance: Yes, that's fine.

utterance: All right. Thank you for that, Miss Richards, and if I could ask, what is your business address?

utterance: It is one oh seventy-five Layman's Court, Smyrna, Georgia, three zero zero zero eight.

utterance: And, Miss Richards, what is your phone number?

utterance: Six seven eight three six one eight zero three one.

utterance: OK, and, Miss Richards, if I could ask, what is your date of birth?

utterance: Eleven eleven eighty-four.

utterance: OK.

utterance: OK. You know, I will tell you when I you out shopping and buying and purchasing, you always overspend, you know. You always see something extra you want. You know, this is the budget, but then you see something else you have to just have to have or add to it.

utterance: Oh yeah, you're exactly right, ma'am. it's it's always tempting and having discipline sometimes can be very very difficult to be disciplined when there's so many things that you want.

utterance: It really is.

utterance: but, thankfully, you being the business person that's as wise and prudent as you are, I'm sure you somehow or another are still able to maintain that discipline.

utterance: You're right, I can't get that tempted.

utterance: Well, of course, with that being the case, it's certainly that time of year where temptations are all over the place, as Christmas season looms upon us, and I tell you, it's probably going to be quite something this year, with folks being able to reunite with their families in a way that maybe they weren't last year due to the pandemic.

utterance: Yes. I totally agree with you on that.

utterance: Miss Richards, if I could also ask, what is your account number?

utterance: All right, can you just hold on a moment?

utterance: Sure.

utterance: OK. All right. It's nine eight four six five nine one.

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

utterance: That's right.

utterance: OK, and Miss Richards, that last question that I'll ask of you is, what is the PIN number for your account?

utterance: Ten seventeen.

utterance: OK. Thank you for that, Miss Richards. and yes, I was able to pull up your loan, and it appears you have a term loan with us and your account balance appears to be approximately let's see here. your balance actually appears to be one million three hundred twenty-five thousand six hundred ten dollars.

utterance: Oh, OK. I'm on a. Is it OK to repeat it?

utterance: Sure.

utterance: So it's one million three hundred and twenty-five thousand six hundred and ten dollars?

utterance: Yes, ma'am, that is the amount of the loan balance that you have with us on file.

utterance: All right. Great. Thanks for that.

utterance: And, Miss Richards, would you like to know when your next payment is due?

utterance: Yes. If you would.

utterance: OK. Sure. Your next payment is due on November seventeenth of twenty twenty-one.

utterance: OK. Good. Thank you, I appreciate that.

utterance: And Ms. Richards are you aware at all of our online banking?

utterance: Yes I'm aware but can you tell me a little bit more about it?

utterance: Sure. it's very simple, Miss Richards. You simply visit our website, and when you visit our website you have the ability to, with your username and password, log in and pull up you account information, and all of that is readily available online, twenty-four seven, three hundred sixty-five days a year, no matter if we're at the helpline here closed or not. Online is always available to you, and you can check your account balance as well as when your next payment due dates might be.

utterance: OK. That's very good to know.

utterance: Well, Miss Richards, is there anything else I can assist you with?

utterance: No. Not right now.

utterance: OK. Well, if that is all, Miss Richards, we certainly do appreciate you giving us a call here at Intellibank, and you have a terrific rest of your day.

utterance: Thank you. You too.

utterance: Bye bye.

utterance: Bye.


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

utterance: Yeah, so I'm trying to find out the Consumer Price Indexes.

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

utterance: It's Jill Baker.

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

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

utterance: All right, Jill, so you're wanting to check the Consumer Price Index. Is that correct?

utterance: Yes, that's right.

utterance: And do you currently have an account with Intellibank?

utterance: Yes, I do. I've had one for many years. I have a business account.

utterance: OK. And so you do own a business?

utterance: Yes, I do.

utterance: OK, and what kind of goods are sold at your business?

utterance: So, I own Johnson Controls and it's a medical supply place that. So we sell medical supplies. That's what we do.

utterance: OK, and what periods are you wanting to get that Price Index for?

utterance: so, if you could do twenty twenty that would be great. I mainly just need to to kind of clear some stuff up. My sister and I have been arguing a bit about who has a higher price index. So, that's kinda what I need, need to clear up is basically for her.

utterance: OK, I understand that. Let me look into this for you, OK? Give me just one moment, all right? OK. So, right now, for the twenty twenty period the cost of consumer goods sold for medical supplies is around twenty-four percent. And this is one of the highest averages since nineteen ninety-nine. so the surge is likely result of the pandemic and the influx of medical need that that's caused. But it is the highest that it's been in, in quite some time.

utterance: OK, so that's, that's really high. That's actually what I was telling my sister. I said that since COVID I just imagine that the medical supplies had just you know, the medical sales had sky rocketed. But for some people you know, there's been so many people affected by it. It just makes sense that, you know, that it would be a lot higher than it used to be.

utterance: Yeah, so it's actually surpassed transportation and that doesn't happen very often. Usually, transportation is obviously one of the highest you know the highest the highest ones out there. But, for some reason, not for some reason. Obviously COVID has, has you know, it's done its part for both of these numbers. For raising the medical supplies and for lowering the transportation, but but yeah, medical supplies has definitely trumped transportation this year.

utterance: I can understand that with all the COVID restrictions, people don't really travel much, so things are starting to open back up though so I imagine that will increase again. And I don't know if medical supplies will go down but I do think that travel, you know, that travel will change a bit. But it's just so different right now, so, you know. Have you traveled anywhere since the pandemic?

utterance: I have not. I recently traveled to California in the last, probably, like three months I've traveled to California. So, I guess, yes, it was during the pandemic. But but not here in the last few weeks. But during the pandemic I did travel and it is a little bit different.

utterance: It's really weird right now, isn't it? Just with everything. With the COVID.

utterance: Yeah, it's definitely different now than it was before. The restrictions are just a lot more, you know, there's a lot more things that you're you're having to deal with through the process of getting on. But I definitely do think that it's safer for people. You know what I'm saying. So, I, I was in. I I did travel to California and, you know, just the masks and getting in and out of the airports. Just the, you know, just the the clean, the clean environment that they're trying to maintain there. I definitely think it's better for people. But it does make it a little bit harder to get through everything.

utterance: So, where abouts in California did you go?

utterance: I went to San Francisco. I went to San Francisco for about a week. it's been a few weeks ago, but or, I'm sorry, a few months ago. But, yeah, it was, I had a really great time.

utterance: Yeah, San Francisco is beautiful. It's just a really fun, scenic city. I worked in San Francisco for a while in the nineties. It's it's just a really diverse city with a lot of culture.

utterance: Yeah, it definitely is. This was actually my third time visiting there. we have some friends that live down there, so, it's just it's always fun to go hang out with them. it's just a, it's just a pretty place with lots of, lots of things to do.

utterance: Yeah, it's a very cool place. There's lots of great restaurants, too. I don't mean to get off track. I'm sorry, I just was curious, you know, if you traveled.

utterance: Oh, it's no problem at all Jill. so now that I've answered those questions for you, was there anything else that I could, I could do for you today?

utterance: No, I'm sorry, I don't mean to hassle you. we were just arguing and I wanted to try to, to tell her how the high was. so, I don't mean to bother you with it, with that but I appreciate you giving me that.

utterance: No problem at all. anytime you'd like to find out the CPI for anything, you can also find that information out on the US Bureau of Labor and Statistics website. They write down each good and each period and they kind of give a pretty detailed explanation to the current index, so if, in the future, you, you have any interest or, or you want to find out a, a different you know, Consumer Price Index on something different you're also, you're also welcome to call here at Intellibank anytime. We can provide that information to you but you can also get, reach that information at the US Bureau of Labor and Statistics as well.

utterance: I'm sorry, did you say the Department of Labor?

utterance: No, so it's the US Bureau of Labor and Statistics. their website is WWW dot B I S dot gov. It's WWW dot bis dot gov. and again, you just go through there and they should have all that information for you on there. You just choose which which of the consumer which of the consumer goods you are trying to find the, the total for and they'll provide you with that index. Was there anything else I can do for you today?

utterance: I don't think so. I appreciate it. So, I just want to clarify, though, you said it was WWW dot B I S dot gov?

utterance: Yup. That's correct. WWW dot bis dot gov and that's for the Bureau of Labor and Statistics website.

utterance: OK, thank you. I appreciate it.

utterance: No problem at all, Jill. Thank you for choosing Intellibank. You have enjoy your day.


utterance: Hello and thank you for calling Intellibank my name is Jeanette and I will be assisting you on this recorded call for your customer satisfaction.

utterance: Hey how you doing Jeanette?

utterance: I'm doing great how are you?

utterance: I'm doing wonderful.

utterance: How can I help you today?

utterance: Well I was looking for a exchange rate between a couple of different countries I was thinking about making a visit to.

utterance: Perfect I'd be glad to help you with that today. May I ask your name?

utterance: Yeah yeah it's Aaron.

utterance: Hi Aaron and I'm just putting you in the system so I can pull you up. Is that A A R O N?

utterance: Yes A A R O N.

utterance: OK and your last name please?

utterance: G R A Y.

utterance: Just like the color?

utterance: Just like the color.

utterance: OK perfect Me I will need your four digit security PIN please.

utterance: Of course OK so it's three one three five.

utterance: OK.

utterance: Right. So I was thinking of looking at the.

utterance: O~

utterance: I I apologize I'm sorry I'm just getting into the screen here one more quick question you'll just need to verify the date of birth so I can pull up the info.

utterance: No problem OK it is September Fourteenth nineteen ninety-six.

utterance: OK.

utterance: All right now your information propagates for me. What can I do for you?

utterance: OK.

utterance: Great.

utterance: Great great.

utterance: All right. So I was thinking about looking at a couple of different places I was trying to make a visit through.

utterance: All right.

utterance: So I was thinking about going to France see some museums there.

utterance: Nice.

utterance: Yeah the Louvre or I was also thinking of maybe another trip that might be pretty exciting. In Japan I know they have a lot of ancient castles and I mean Tokyo right?

utterance: Right who wouldn't want to go to Tokyo?

utterance: Oh.

utterance: I've I've seen so many pictures. All the lights and the excitement, it would be wild to go to. I'd they both sound so exciting I'm just not entirely sure which one to go to but

utterance: Why not go to both.

utterance: That would be great if I had all the money in the world.

utterance: I know.

utterance: I don't.

utterance: I know all right so let me check for you and I just have to tell you I have been to France and I have been to the Louvre and it's wonderful no place like it.

utterance: All right.

utterance: I you're tempting me maybe so I'm just hoping to see what the exchange rate is for the Euro.

utterance: You got it OK so right now the Euro is it's actually been really holding it's own cuz we have seen such a such a dive over the past year but right now the Euro's coming in at point nine five so it's really strong compared to the dollar. And just to let you know it's actually been that way for the past quarter so I mean you do want it check it going forward I'm not predicting but

utterance: Wow! OK.

utterance: There is a possibility that you your talking like it's remaining strong but it might go down do you know something that I don't about that, ?

utterance: No, no.

utterance: It's just that I I mean I it went oh it was down before due to the pandemic but I guess with travel opening up again people feeling more confident in the stock market things like that with affect it so what I would recommend is going into your trip start start checking it daily, weekly just so you can see the trends so you can see the best times to trade your money.

utterance: And.

utterance: O~

utterance: K.

utterance: And the other you wanted to look at was the Yen.

utterance: Yeah.

utterance: Yeah. What's going on with the yen?

utterance: OK. By the way Japan is another place I would love to go to. OK so the yen is coming in at point eight five and I do see more fluctuation there maybe because there's maybe Japan is just a real travel destination these days but I over the past quarter which is like a four month time span it's been ranging between point seven zero and point eight five so if you're interested in Japan that one I would say definitely keep your eye on that one.

utterance: No you're just both of your I'm just a little nervous about traveling now and I just kinda been little too anxious about it or. just something going on?

utterance: Oh.

utterance: I I don't

utterance: No I mean I I am not I'm not predicting anything at all and and no there's no way of predicting where things are going to go but just know that stock market, traveling opening up again all these things play a factor in what currency is going for.

utterance: OK.

utterance: Oh man.

utterance: Maybe I'll wait for couple of months to see how how things turn out but I I thank you.

utterance: All right.

utterance: I mean that thank you.

utterance: No absolutely. Is there anything else I can do for you?

utterance: No I think I'm OK I I appreciate you letting me know what's up.

utterance: All right well thank you so much for calling Intellibank and have a great day.

utterance: Thank you.


utterance: Thank you for calling Intellibank, how may I help you?

utterance: How you doing? This is Aaron Maxwell and I was looking to make a payment on my business credit card.

utterance: Great. I'm happy to help you with that. can I get your account number?

utterance: Yes, you absolutely can.

utterance: It is one five three four three seven six one one seven.

utterance: OK, and can I get the your date of birth and the PIN number?

utterance: Yes date of birth is zero two, nineteen two. Nineteen ninety-two.

utterance: And the PIN number for your account?

utterance: eleven forty-five two.

utterance: Got it.

utterance: And how would you like to pay for this? the current balance I have is five hundred fifty-six dollars and twenty-eight cents.

utterance: Now let me ask you, do you do like like, if I wanted to just pay it all out, or payment plans, or well I probably couldn't like I could pay it all out so that would pretty much take off everything else if I didn't wanna do any payment plans. y'all put interest on anything if you do a payment plan?

utterance: yes, you'll be paying interest for everything that you don't pay off every month. the minimum payment this month is thirty-two dollars.

utterance: OK.

utterance: Or you can pay the full amount now.

utterance: OK. OK. OK. Obviously I'll be paying more. It'll be longer so it's best if I, excuse me, ooh man, had my child. Man I've been up since two o'clock in the morning it's just been really hectic.

utterance: Ugh.

utterance: Ugh. That sounds like a whole.

utterance: It really does man.

utterance: Thing.

utterance: Trying to do business and trying to take care or yourself and all of that man and.

utterance: I bet.

utterance: Sure.

utterance: I understand.

utterance: Yeah man. I got triplets man so I got hit with the one time. One time. First, our first set of children.

utterance: Oh.

utterance: Wow.

utterance: Uh-huh.

utterance: First time we wanted a kid we got three in one deal, so that's that's how it went man, so I'm actually. I love them but man they can they do not care about your sleep.

utterance: Wow.

utterance: But I love them to death man. So.

utterance: Yeah.

utterance: Well, I'm happy to hear that. Sorry you're a little.

utterance: Preoccupied.

utterance: you have any kids?

utterance: no, I don't.

utterance: Oh.

utterance: Don't, don't rush man. don't rush. I love my little angels but hey if they could've been with Jesus a little bit more I wouldn't I wouldn't worry. I wouldn't, I wouldn't be mad. I wouldn't be mad. I wouldn't be mad. So it's all good, but hey. but so yes, I would like to you know, go ahead and probably pay that as well and get back on line.

utterance: Got it. So your gonna be paying the full amount?

utterance: Or how how much of the balance would you like to pay today?

utterance: Well, I can't do the full amount but I was thinking about maybe doing half?

utterance: So that'd be two hundred fifty?

utterance: Hundred fifty.

utterance: Yeah.

utterance: OK, sure, we can make a two hundred fifty payment.

utterance: Now will the price go up?

utterance: Would, would it go up or?

utterance: I mean you'll be paying a service charge on the unpaid balance. On the card.

utterance: OK.

utterance: OK. OK. well take a moment. Hold on real quick. Let me let me go let me try go get my card so I can do that.

utterance: OK.

utterance: hello Sir, are you there?

utterance: Hi, yes I'm here.

utterance: All right, I will, let's go ahead and I will pay that. I actually updated it on everything so it should be there.

utterance: OK.

utterance: Do you have a checking account number for me?

utterance: Yes I do.

utterance: Great.

utterance: You ready for it?

utterance: Go ahead.

utterance: Right, five five three eight two nine.

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

utterance: it is eight two two five three four.

utterance: OK, and the payment date for this to take effect, will that be today?

utterance: Yes, today.

utterance: OK, fantastic.

utterance: OK, so we've taken care of two hundred fifty dollars of that balance. and the rest will still be subject to a service charge. but we appreciate your payment. Is there anything else that I van handle for you today?

utterance: No Sir, you've been a blessing man, I'm very appreciative.

utterance: OK well, as always you can always log on to see your payment information and to make payments in the future so you don't have to call us back unless you have other questions. is there anything else I can help you with today?

utterance: All right.

utterance: No Sir. You've been awesome.

utterance: Excellent. Well you have a great day and we appreciate your business.

utterance: All right, thank you.


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

utterance: Mhm. Hi Zeus.

utterance: Hey there.

utterance: Hi. I don't know if I was connected to the right. right section of the the calling.

utterance: Well what do you need? I can see if you're in the right part.

utterance: Oh Well first I need some information about the last quarterly consumer price index for my gas and my electric and my food.

utterance: Oh yeah. I could totally help you with that.

utterance: OK.

utterance: do you just need it for this quarter or do you need? OK, great. So, what's your name?

utterance: Oh my name is Cynthia with a C. C Y N. Cynthia and my last name is Cruditay.

utterance: Cynthia Cruditay and your account number?

utterance: My account number is four three two one six seven one six six two two.

utterance: Perfect and what's your last four of your social?

utterance: Four one four two.

utterance: And last question. What is your date of birth?

utterance: My date of birth is March nineteenth nineteen eighty-seven.

utterance: Perfect. It's you. Great. So let's look at the last quarter here. Looks like for gas and electric you did about thirteen percent.

utterance: Mhm.

utterance: and for food you did eighteen percent.

utterance: Mhm.

utterance: was there another one you needed?

utterance: What address do you have for me on file there?

utterance: I have two nine one two one Eat Pray Love Avenue.

utterance: Mhm. Yeah.

utterance: San Diego, San Francisco.

utterance: Mhm.

utterance: Nine oh two one oh.

utterance: You got it. Yeah and what. What phone number do you have?

utterance: I have three two one. Nine nine nine.

utterance: Mhm.

utterance: Mhm.

utterance: Nine two nine nine.

utterance: OK. Yeah all right. That's good so.

utterance: Do you wanna confirm your email address?

utterance: Yeah. I think it was eat love.

utterance: Eat love?

utterance: Eat love for life.

utterance: Eat love for life?

utterance: Yeah.

utterance: Got it.

utterance: At Gmail.

utterance: eat love for life at Gmail and then do you have a second phone number you want to put on?

utterance: Yeah.

utterance: All right. What is that?

utterance: Yeah it's three two nine.

utterance: Three two nine.

utterance: Six one zero.

utterance: Six one zero.

utterance: Six six six nine.

utterance: Six six six nine.

utterance: Yeah.

utterance: Perfect. All right. Okay is there anything else I can do for you today?

utterance: Yeah. I need to get some type of a loan.

utterance: Sure is it for your business or is it for?

utterance: Yep. Business, since this bank only does business banking right?

utterance: Yeah.

utterance: Yeah.

utterance: OK. I wasn't sure if you maybe branched out.

utterance: Just.

utterance: No, no just a just a habit.

utterance: Intellibank.

utterance: Intellibank, yes.

utterance: OK. Yeah so some type of a loan. of application.

utterance: Well looking at

utterance: The size of your business and the size of your account, looks like you qualify for the secured loan which is a really good loan.

utterance: Mm.

utterance: It's about a three percent interest rate and you know I think it'd help your business out a lot.

utterance: And you said the secured loan?

utterance: Yes.

utterance: What other type of loan options do you have?

utterance: I mean there's the SBA seven A loan there's the real estate loan there is the SBA five oh nine there's six or sixer niner and there's the all these other business types of loans and we have credit as well. But I think the secured loan is definitely the way for you to go. I could definitely transfer you over to the our loan department and they'll be happy to answer any question you have.

utterance: OK. Yeah I I trust you. How long have you been working for Intellibank?

utterance: Oh this is my third week on the job.

utterance: Third week? Wow. I would have thought third year.

utterance: Yeah.

utterance: No. Third week.

utterance: Were you with another bank before?

utterance: no. I was. I just got out of rehab.

utterance: Oh.

utterance: And here I am with all your information.

utterance: I just. Yeah, put that together.

utterance: Yeah.

utterance: Mhm.

utterance: The. What the Intellibank does is gives felons a second chance.

utterance: I'm for that.

utterance: Yeah, but I'm not a felon.

utterance: You're not?

utterance: No. but yeah I can transfer you to the loan department if you'd like.

utterance: OK.

utterance: You know I have a story for you. I once I baked a chocolate chip cookie for this woman and she choked to death. To death on it.

utterance: Is that why you were in rehab?

utterance: Yeah.

utterance: Well I'm happy your getting a second chance.

utterance: yeah. Yeah I am. I am too. I shared too much with you.

utterance: Yeah, you did.

utterance: is there anything else I can do for you?

utterance: I mean you know. Can you just can you just transfer me?

utterance: I'll

utterance: Transfer you. I'll forget you ever talked to me and we can go from there. All right. Talk to you later. Bye.

utterance: OK.

utterance: Sounds great.

utterance: Bye.


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

utterance: Hi. so, I received something in the mail and I would like to set up an appointment.

utterance: OK. and were you looking to speak with one of our financial advisors or a tax specialist?

utterance: Well, I'm looking to sign up for the Pedestrian Card.

utterance: OK. could you perhaps be referring to your Traveler's Card?

utterance: I'm sorry. Yes.

utterance: OK. well I will get you in touch with a tech specialist.

utterance: That's embarassing.

utterance: It happens all the time. Can I start off by getting your full name?

utterance: Yeah, absolutely. It's gonna be Mike Wallace.

utterance: OK. And, is that Wallace with two L's?

utterance: Correct.

utterance: OK. And can I also get your date of birth, please?

utterance: Yes zero seven twenty-nine nineteen ninety.

utterance: July twenty-ninth nineteen ninety.

utterance: I'm sorry, what was that?

utterance: July twenty-ninth nineteen ninety.

utterance: Right.

utterance: OK. And I'm gonna go ahead and pull up your account. Can I start by getting your credit card number, please?

utterance: You sure can. four four two seven five two six eight eight six three six five two two nine.

utterance: OK.

utterance: OK. And just to clarify, that's four four two seven five two six eight eight six three six five two two seven.

utterance: no. Actually the last four is gonna be five two two nine.

utterance: OK, sorry, five two two nine.

utterance: Yes, and then I'm sorry, repeat it one more time, the the first four.

utterance: Four four two seven five two six eight eight six three six five two two nine?

utterance: Correct.

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

utterance: OK.

utterance: Can I start by getting your PIN number?

utterance: Yes. It's gonna be five two two two.

utterance: Two two. OK. And, it's actually not pulling up in our system. Are you sure that's your PIN number?

utterance: repeat back what I what I said.

utterance: Five two two two.

utterance: Yeah, that should be the PIN number. Try five two two four.

utterance: OK. Five two two four. Yes, that that pulled it up.

utterance: Sorry about that.

utterance: OK.

utterance: Lot going on.

utterance: Can I also get the last four digits of your social?

utterance: I'm sorry, why?

utterance: it's just for identity purposes, so that your account is secure.

utterance: Did the account not pop up?

utterance: It did, but we need to verify you identity.

utterance: OK. six six nine three.

utterance: Six six nine three. OK, and you may recall when you set up your account that you answered a few security questions. I'm gonna go ahead and ask those now. What city were you raised in?

utterance: Well I was raised in Reno, so wouldn't really call it raised, but.

utterance: Reno.

utterance: OK, Reno. And, what is favorite food?

utterance: My favorite food is barbeque chicken with ranch sauce. Dark meat, mm. Greens, cabbage, yams, collard greens.

utterance: OK.

utterance: Yep. It was.

utterance: Collard

utterance: Greens.

utterance: It was barbeque chicken.

utterance: And yeah probably I'd probably like a nice little iced tea with that thing. Sweet tea.

utterance: OK, well I did manage to pull up your account. It's in front of me right now.

utterance: And mashed potatoes.

utterance: And you were looking to speak with one of our tax specialists, correct?

utterance: Correct.

utterance: OK, one moment while I pull up our scheduler.

utterance: Mac and cheese as well.

utterance: OK. I'm in our scheduler right now, is there a specific day that you wanted to speak with someone?

utterance: I am only available next Wednesday. If we can't do next Wednesday, I'm afraid we can't do business.

utterance: OK, let me see what we have open on Wednesday. OK, it looks there are a few appointments still available for Wednesday. Ist there a specific time of day that works for you?

utterance: Yeah, I'm open between nine and eleven. If we could do anywhere between nine and eleven that'd be great.

utterance: OK, we do have one for nine thirty.

utterance: that's perfect.

utterance: OK, so next Wednesday at nine thirty. And would you like to conduct this online or would you like to come in in person?

utterance: I would like to do online.

utterance: OK. And, is there an email that you would like to be reached at?

utterance: No. Please don't crowd the email. Let's do in person.

utterance: OK. And what's your ZIP code so we can set you up with your nearest bank?

utterance: Seven seven two four seven.

utterance: Seven seven two four seven, OK. It looks like that's our South Robertson branch.

utterance: OK, got it.

utterance: OK. So I have you scheduled for nine thirty at South Robertson.

utterance: All right. Thank you so much.

utterance: Of course. I'll.

utterance: And hey.

utterance: Maybe we can get some barbeque chicken with ranch and that meal. We can get that, you know? You sound like a lovely girl.

utterance: Thank you, maybe one day.

utterance: OK.

utterance: Have a good day.

utterance: You too, you too.


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

utterance: Hi Bridget, I've been looking into treasury bonds, and I do think it's something that I would be interested in purchasing, but I'm not really sure how I would decide on what I wanna purchase.

utterance: well, the information that you need to know is basically a treasury bond and a yield, so it's basically the term. of it would be like a year, two years, five years , seven, ten, twenty et cetera, with it's yield, which is the percentage amount. I'd be happy to give you that information. I just need to get a little information from you first.

utterance: OK yeah sounds good.

utterance: OK what's your name?

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

utterance: All right thank you Jerry, and do you have a PIN number for me?

utterance: Yes, is nine three eight zero.

utterance: Awesome, OK so basically if you've got a PIN you might want to jot these down.

utterance: OK.

utterance: So basically a. Do you know what the the link of the bond you'd like to have? we can do them from one month to thirty years.

utterance: well I do know I don't want anything less than a year. So can you just tell me what the yield rates are for anything for a year or longer?

utterance: I sure can. That would be, one year would be a two point point five percent yield. The two year would be a three percent, three years is three point five percent, five years is five percent, seven years is six percent, ten years seven percent. A twenty year treasury bond yield is eight percent, and thirty years is ten percent.

utterance: OK, and if I wanted to purchase one, can I purchase it directly from my intel checking account?

utterance: Your Intellibank total checking account?

utterance: Yes, that's correct.

utterance: Yes, you sure can. I just would need that account number.

utterance: OK gimme just a minute and let me go find a check with that account number on.

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

utterance: Your day doing pretty good so far?

utterance: So far, it's been a long day.

utterance: Yeah, I can relate to that.

utterance: How's your day going?

utterance: it's not been too bad, but it it has definitely been a long day.

utterance: Well, it's almost over.

utterance: Oh that's true.

utterance: That's true.

utterance: OK, I've found that account number.

utterance: OK Jerry, just whenever you're ready.

utterance: All right, it is two five zero three eight zero zero three six seven.

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

utterance: no, the last four is zero three six seven.

utterance: Zero three I'm so sorry, let me repeat that from the beginning. Two five zero three eight zero zero three six seven.

utterance: Yes, that's correct.

utterance: OK, I apologize for that.

utterance: No problem.

utterance: OK and, so you want to go ahead and get a treasury bonds today?

utterance: no, I would just like to know what the balance of that account is.

utterance: Oh OK, well let me let me switch screens. we're gonna do. It is twenty-two thousand. Twenty-two thousand thirteen dollars and fifty cents.

utterance: OK, well that's good.

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

utterance: yes, can I purchase the treasury bonds online?

utterance: You can it's always better to just double check and what you've read, and make sure you understand it. So you can certainly definitely buy them online, and if you have any questions just reach out to the online support.

utterance: OK do I need an an online account to do that?

utterance: Yes, you will have to go on to our website at Intellibank dot com and set yourself up a PIN number and a password, and just set that up so that you can go in, and once you get in there, we've really updated our website recently, and there's so much user friendly information on that website.

utterance: OK, well that sounds easy enough.

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

utterance: no, I don't believe so.

utterance: OK well Mr. Hoffman I hope your day ends on a pleasant note and you have a great night.

utterance: Thank you, you too.

utterance: Thank you, bye bye.

utterance: Goodbye.


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

utterance: Hello Jonathan. Oh! So I I'm in some debt.

utterance: OK. That is understandable, aren't we all, huh?

utterance: A bed of death.

utterance: Great. Thanks for making light of a heavy situation!

utterance: I'm sorry. We you know when you talk about debt all day here at Intellibank it just becomes a bunch of numbers. I hope you understand.

utterance: I do! So it's not you know I've felt really bad about being in debt but the way you're putting it it sounds like it's really more common than I suspected.

utterance: Oh yes. Everyone's in debt.

utterance: Oh. Well well I don't feel as bad then!

utterance: Do you have an account with us?

utterance: I do yes, mhm.

utterance: Awesome.

utterance: Yeah.

utterance: Well why don't we start by pulling up that account and then let's see what we can do about this debt situation.

utterance: OK.

utterance: Magnificent.

utterance: Alright so to pull up your account I'm gonna need your first and last name as it appears on the account.

utterance: OK and that should Tiffanie Tiffanie with an I E Ragorio. Ragorio.

utterance: OK. Is that with an I O at the end?

utterance: Yes, it is.

utterance: Alright.

utterance: OK. And I am going to need your date of birth.

utterance: OK. October twenty-eighth nineteen sixty-five.

utterance: Fantastic. And then if you could please also give me your social security number and your state-issued ID or driver's license number.

utterance: Hmm.

utterance: Sure. It is one two three one two three one three one and my driver's license number is D four nine eight one one two.

utterance: OK. And to access your account I'm gonna need your four digit PIN.

utterance: Sure. One four six seven.

utterance: Great. Alright, I am in your account here and it looks like you have multiple business accounts with us it looks like you have our smart savings account. As well as our platinum business account and well you you know you are in a little bit of debt here but it's a it's a reasonable amount of debt.

utterance: OK.

utterance: Mhm.

utterance: Mhm.

utterance: Yes.

utterance: I wouldn't consider this too crazy.

utterance: Cool. that's good.

utterance: So what where where can we go from here? What can how can I help you deal with this?

utterance: Well it would be helpful for me to to know what my debt to income ratio is.

utterance: OK. I can definitely help you with that.

utterance: Mhm.

utterance: Perfect!

utterance: And just so you know, in the future.

utterance: Mhm.

utterance: If you would like to get your debt to income ratio without having to call.

utterance: Yes.

utterance: You can always access that information.

utterance: OK.

utterance: Twenty-four hours a day.

utterance: Uh-huh.

utterance: Seven days a week.

utterance: Oh.

utterance: Either via the Intellibank website.

utterance: Mm.

utterance: Or the Intellibank app which is available at any and all app stores.

utterance: Wow, very cool again.

utterance: And to sign up for either one of those. You're just gonna need the exact same info that I already asked you today. so since you have that it would be very easy for you to go online and sign up when you have the time.

utterance: Mhm.

utterance: Mhm.

utterance: Perfection!

utterance: Alright. So we are going to check your debt to income ratio. Over what time period would you like that checked? We can check anywhere from five to twelve months.

utterance: Mhm.

utterance: The last twelve months perfect.

utterance: Alright let's check those last twelve months and I'm just gonna need your gross income for last year.

utterance: Last year's gross income was one point five million dollars.

utterance: All right. So then we're just going to check the value of your company's monthly debt payments.

utterance: Mhm.

utterance: And we're gonna divide that by its gross monthly income and your debt to income ratio is forty-five point eight percent.

utterance: Whew.

utterance: OK.

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

utterance: You said I could find this out online as well?

utterance: You can find out all that info online once you sign up for our online account.

utterance: Alright then, thank you very much.

utterance: Thank you. Thank you for calling Intellibank. Have a wonderful rest of your day.

utterance: Toodles.

utterance: Goodbye.


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

utterance: Yes, Jerry. I I've thought about calling yesterday. But I didn't get around to it. So I'm calling today. I wanna check my balance in my checking account.

utterance: Absolutely, I'll be happy to assist you with that and I'll just ask you a few questions so I can, pull up and access your account yeah What is your first and last name?

utterance: Evelyn Richards.

utterance: Thanks Miss Richards, and what is the name of the business that has an account with us on file?

utterance: Jones Bed and Bath.

utterance: OK, thank you.

utterance: And by the way little I, I'd also like to know the branch hours.

utterance: Alright. Thank you for that. And the hours of our branch is Miss Richards are Monday through Friday from nine a.m. to five p.m., and Saturdays from nine a.m. to noon.

utterance: OK, good.

utterance: And Miss Richards I'm gonna ask you a few questions for account verification purposes. We do take your account security very seriously here. And we do this because it is for you and your businesses protection. Is it all right if I ask you a few questions in order to verify your account?

utterance: Yes.

utterance: Thanks, and Miss Richards what is your date of birth?

utterance: Evelen eleven eighty-four. And my phone number is six seven eight two zero two, forty-two fifty-three.

utterance: Alright. Thank you for that Ms. Richards and happy birthday in advance tomorrow.

utterance: Well, thank you for that. I appreciate it.

utterance: You're welcome, you're welcome. And Miss Richards What is your account number?

utterance: You know what, never mind. what's the yield to a treasury bond?

utterance: well certainly, so you don't need to know your checking account balance, just for the know what the yield is on the treasury bond?

utterance: Yes, I do need to know that.

utterance: OK, not a problem at all. I'll be happy to pull that up for you. I'll still need to access your account, in order to verify it. Ms. Richards. So if you would, provide me with your account number?

utterance: Alright, it's nine eighty-four six five nine one.

utterance: Alright, terrific. And final question here on account verification Miss Richards. What is your pin number?

utterance: One zero one seven.

utterance: Alright. Thank you for that.

utterance: Well you know I am still excited. and I will I think I won't ever be not excited about the Braves winning the world series. It is awesome!

utterance: Well Congratulations to you on that. It certainly seems like your birthday came early with the Braves winning.

utterance: Yes it was. It was a the biggest, one of the biggest birthday gifts. But cause it, involved myself. And you know, the city and just the world. I'm just glad that that happened. It was such a hope and a surprise. But it's just great to have done it.

utterance: Well, I can't only imagine the excitement. unfortunately, my team didn't win this year but I can only imagine how I would have been through the roof. we've had my guys won a world championship.

utterance: Now, I like your word through the roof. That's how I feel.

utterance: Well again, congrats on your that world title and happy for your city.

utterance: Thank you.

utterance: Miss Richards, I was able to verify your account. And now I need to know I know you wanted to find out what the yield is on the treasury. Which type of treasury bond were you looking for?

utterance: a thirty year.

utterance: OK. So you're looking for the yield on the thirty year treasury bond?

utterance: Yes.

utterance: Alright. Well the yield on that presently is one point nine one four percent. that is that is the yield on the thirty year treasury bond.

utterance: OK, all right. that sounds pretty good.

utterance: OK, and is there anything else I can help you with?

utterance: No there's nothing else for today.

utterance: Alright. Well if that's all, we certainly do appreciate you giving us a call and glad I was able to be of assistance.

utterance: Alright thank you.

utterance: You have a good day.

utterance: You too. Bye bye.

utterance: Bye bye.


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

utterance: Yes I called the other day I I was speaking with Sarah. We suddenly got disconnected. But I I was calling because I got a email from the loan department that y'all were trying to call me but you just couldn't reach me. So would you tell me about that and help me out with that?

utterance: Sure. I'll be happy to assist you with that ma'am and let me just ask. first of all, what's your first and last name?

utterance: Evelyn Richards.

utterance: Thanks Miss Richards and if I could ask what is the name of the business that has an account with us on file?

utterance: It's Jones Bed and Bath.

utterance: OK. Thank you for that Miss Richards. Now I'm gonna ask you just a few questions so that I can verify your account because here at Intellibank we do take your account security very seriously. And it's really for your and your business's protection. Is it all right if are you open to if me asking a few questions to verify your account?

utterance: Yes. That'll be just fine.

utterance: All right. Miss Richards if I could just simply ask what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: All right and Miss Richards what is the account number that you have with us on file?

utterance: Nine eighty-four six five nine one.

utterance: All right and Miss Richards if I could ask what is your PIN number?

utterance: One zero one seven.

utterance: OK. Thank you for that and let me see if I can get this pulled up for you Miss Richards and find out what this email may have been about. with that said. how's the your day going?

utterance: Oh the day is going very well. I'm getting a lot of things done. I was aiming to complete a project that I was hoping I could finish and yeah everything the day is going well.

utterance: It's always great being productive. I know getting those projects done they could be a lot of work but it's always fulfilling knowing that you're able to get it job done. Because I know you sound like someone who gets the job done.

utterance: Oh yeah and you you feel a bit lighter. When once you you know you have something on your mind and when you finish it you just feel so much better. Thank you for that and I'm sure it's the same for you.

utterance: Oh well. Thank you for that Miss Richards and just so that you know. I was able to pull up your account and it appears you are correct. as I pull up the account I do see that we did send you an email in reference to what appears to be some sort of loan application.

utterance: yes.

utterance: OK.

utterance: Right. That was what that was about.

utterance: OK and from what I'm seeing here it appears that with the email it was really informing you that the loan department as you mentioned was unable to reach you. They attempted to call you but for whatever reason was not able to reach you at the number that we have on file.

utterance: Oh OK. Yeah we we got a new service provider and we got some new lines.

utterance: that might explain it there Miss Richards. We If you've got a new service provider and I can understand that sometimes they may change out old lines, old you know extensions et cetera. And so we might need to ahead and update the phone number we have on file. So that we and our loan department can reach you to let you know what the status is for your loan. unfortunately I'm unable to access that because that's in a different department which is our loan department and so I'm able to say what exactly their intent was of the call. so they would be the ones to reach out to you to inform you of whatever it is they may be in need of. For instance, they may be in need of additional documentation. they may need to ask you a couple of questions for clarification. but again that's something that they would handle. So with that said. Let's just get your number updated so that they can reach you.

utterance: OK. That's fine on that part but can you update the phone number?

utterance: Yes yes. Exactly. happy to do that. Miss Richards, if I could ask. what is the phone number that you wanna change the account on your account?

utterance: Six seven eight three six one eight zero three one.

utterance: OK. That's six seven eight three six one eight zero three one. That is the new number that you wanna add to the account?

utterance: Yes. It sure is.

utterance: OK and let me just ask do you just want that to be the new permanent number on the account?

utterance: Yes.

utterance: OK.

utterance: OK. Let me get this updated for you and what I'll also do Ms. Richards is just send a internal message over to our loan department to let them know that we do now have a new phone number on the account. So that they can reach out to you at the number. Maybe it's Sarah or whoever can give you a call at the new number.

utterance: Yeah. I I definitely wanna see what it is that they're calling or trying to reach me about.

utterance: No concern at all and I indeed was able to get that changed for you, Ms. Richards. let me just ask is there anything else I can assist you with?

utterance: No. There's nothing else for today.

utterance: Well, Miss Richards we certainly do appreciate you giving us a call and you have a fantastic rest of your day.

utterance: And you too.

utterance: Bye bye.

utterance: Bye.


utterance: Hey this is Christopher with Intellibank, how may I help you today?

utterance: Hi Christopher It's Patti so I've been talking to my mother recently and she's been really getting on me about paying off my credit card.

utterance: Mhm.

utterance: so I want to go ahead and do that because she's like the type of woman that, she's gonna die really soon and I wanna make her happy before she goes

utterance: Oh.

utterance: OK.

utterance: So this is the least I can do, she's always saying that I should get married but who knows when that's gonna happen you know what I mean.

utterance: Yeah.

utterance: just wanna go ahead and maybe get my credit card paid off. so I can at least give her that to you know hold on to so she know that I'm in good financial standing I want her to just have a peaceful death you know what I mean like I don't want her to die unhappy.

utterance: OK.

utterance: OK.

utterance: I I understand that OK well Patti can you verify your last name and date of birth for me?

utterance: Yeah that's Patty James P A T T I James J A M E S.

utterance: Mhm.

utterance: And date of birth is four nine nineteen ninety-four.

utterance: OK and what is the credit card number for the account we're referring to?

utterance: Oh jeez my Mom holds on to my credit card, hold on one moment.

utterance: OK.

utterance: She's actually sleeping right now I had to double check that she was still breathing.

utterance: Oh.

utterance: OK just one minute I'm gonna look through her file.

utterance: OK.

utterance: OK what do we have in here, OK I have it.

utterance: All right so what is the number?

utterance: It's four three three six.

utterance: Four three three six.

utterance: Nine eight five five.

utterance: Nine eight five five.

utterance: Six one seven one.

utterance: Six one seven one.

utterance: One nine one eight.

utterance: One nine one eight. OK and what is the PIN for that card?

utterance: that's gonna be six six six.

utterance: Six six six. That's an interesting pin.

utterance: Yeah my mother picked it.

utterance: OK so now that we have that I also would need to have the name of your first pet.

utterance: Oh the name of my first pet actually its name was Patti too.

utterance: Oh your your pet's name was Patti there is two Pattis.

utterance: Mhm.

utterance: Yeah, Patti and Patti two.

utterance: Oh OK. All right yep we have Patti two Patti two.

utterance: Mhm.

utterance: OK. So how much do you wanna pay on this account right now?

utterance: what's my balance?

utterance: Your balance at this moment is let's see well It's three thousand four hundred and sixty-eight dollars and twenty-one cents.

utterance: OK and if I pay that now I'll be I'll be in the clear?

utterance: You will be in the clear yes that's correct.

utterance: And so if I don't want to pay it all now, can I pay half today and half next week?

utterance: You could absolutely do that yes.

utterance: OK I I I do wanna go ahead and get it all paid off pretty soon though because like I said I don't know when she's gonna go.

utterance: I understand that OK. So before we do that let me get your bank account number and your routing number.

utterance: OK I'm looking in the file one second.

utterance: OK.

utterance: OK hold on let me turn my mother over.

utterance: OK.

utterance: Once she gets on her back she has sleep apnea and you never know when shes gonna stop breathing.

utterance: OK.

utterance: OK one second OK I turned her over and and I do have the the bank number and the routing number.

utterance: OK.

utterance: OK so the bank number is five five four three.

utterance: Five five four three.

utterance: Two two seven one.

utterance: Two two seven one.

utterance: Six one five one.

utterance: Six one five one.

utterance: Two three one six.

utterance: Two three one six and the routing number?

utterance: Three three three nine four five four.

utterance: OK perfect and you said that you wanted to pay half?

utterance: Yes half half today and half next week on the same day.

utterance: OK do you want me to put the that in the system as well the second payment?

utterance: Yes, please.

utterance: OK.

utterance: And could I also get an email next week saying that I paid it off just so I can show my mother?

utterance: Yeah absolutely I can actually I'll send you an email I'll put that in OK the email is in and as are the payment for today and the payment for next week.

utterance: OK great thank you.

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

utterance: if you just would say a prayer for my mother.

utterance: Yeah I will I will do that for you and I hope things get better.

utterance: OK thank you.

utterance: Thank you have a good day.

utterance: You too.

utterance: Goodbye.


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

utterance: Hi John my name is Stephanie Garcia.

utterance: Hello Miss Garcia. What brings? Why are you calling in today?

utterance: so I'm calling to check my commercial account balance for my business.

utterance: OK I can certainly help you with that information. Let me if you don't mind can I gather some additional information to find your account information?

utterance: OK.

utterance: Awesome. The first thing I will just need is what is the name of your business and what is your your first and last name.

utterance: my business name is Golden State Window Washing Company and my name is Stephanie Garcia.

utterance: Awesome. Thank you Miss Garcia. let me get that information pulled up for you. Perfect. Perfect. So how's your day been? What's the weather like in today for you?

utterance: today's going not too bad. It's starting to cool down here in California so it's actually pretty great. Can't complain.

utterance: I'm glad that's the case for you. It's actually raining a little bit where I'm living at. So that's always glad glad to hear when it's nice and sunny.

utterance: That's not bad.

utterance: So what brings you into? What brings in your call to the call center?

utterance: So yeah. I was just calling to check the balance of my commercial account.

utterance: OK I can certainly do it. You actually do have a couple. Would you like the checking or the savings balance currently?

utterance: just the checking for now.

utterance: OK.

utterance: OK. Wow sounds good. So you currently have five thousand two hundred in your checking account. And that's available. There's a couple pending charges that have not reflected the balance. But you do have you do have those charges coming up as well.

utterance: OK that's not bad. Yeah I know that there's been a couple of charges that I've done that probably have not just hit just yet. So but I did receive a letter in the mail that said that my rate would increase but I'm not too sure if it's a prorated or if it's just like a full year

utterance: Yeah. I could take a look for you. give me one second as I pull up that information there. you're talking about your commercial loan with us or your?

utterance: Correct.

utterance: OK perfect. OK let me get this information pulled up.

utterance: It was like a prorated amount per the mail offer.

utterance: OK I'm actually seeing here. So it's actually. What it's talking about with our commercial loans we do offer depending on how your relationship is with our institution a prorated rate. So what that means is you actually would be able to take advantage of a kind of like a refinance of your property if you would like to do so. at that point you can either take out some equity in the property or just lower your payment and reduce your loan term with us.

utterance: Oh I see.

utterance: Yeah.

utterance: OK. So I should probably jump on that sometime soon.

utterance: Yeah. So pretty much since we got all your information here and and you have your accounts with us it's pretty easy. We can pull up the information. I can actually have someone give you a call either today or by sometime this week to just go over and see if you'd like to take advantage of that.

utterance: Yeah I definitely would like to take advantage of the offer. So if we can put something together so somebody can reach back out to me and we can further talk about yeah this great offer.

utterance: Perfect. Well I'll put these notes and I'll send it to our commercial banker that he can reach out and I'll put some notes that you're interested in it and to give you a call as soon as possible.

utterance: OK I'm not sure which email address you have on file but it should say Golden State Window Wash at Gmail dot com.

utterance: OK let me clarify that. Perfect.

utterance: If it's not that I have another email address that possibly might work.

utterance: OK it looks like that one did come up but if you'd like to give me the other email as well in case he can't reach you or whatever the case is he has two emails on file to send the information to.

utterance: OK it's very similar. It's just Golden State WW at Yahoo.

utterance: OK perfect.

utterance: That's good more options.

utterance: OK awesome. And then the only thing else is the best phone number the six one one two seven two eight five two three?

utterance: yep.

utterance: OK perfect. So my commercial banker should be reaching out to you. His name is actually Johnny Smith. So you should expect his call sometime this week.

utterance: OK thank you for your help.

utterance: You're welcome. Have a great day. Bye bye.


utterance: Good morning, thank you for calling Intellibank. This is Wanda speaking, how may I assist you today?

utterance: Hey Wanda, how are you doing today?

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

utterance: Oh, I'm doing great thank you. listen, let's see the reason that I'm calling today, is I need to get a payment to one of our vendors. But I need to get that to them as quickly as possible. what would you suggest that I do? To get that to them as quick as possible.

utterance: Well ma'am. What I would probably suggest doing would be a wire transfer.

utterance: OK, and how long would it take for them to get that?

utterance: Well ma'am, after the transfer is processed and completed, they should be able to access the funds in their account for domestic within about two hours. Now, if it's international then that can take usually around twenty-four hours.

utterance: Oh, OK. Well this would be domestic and that sounds absolutely perfect, so lets go ahead and do that.

utterance: All right ma'am, I'd be more than happy to assist you with this today. I do needs to get's some information from you so I can pull up your account, all right?

utterance: OK. what info do you need Wanda?

utterance: Let's start off with your full name please.

utterance: Oh, sure. this is Donna D O N N A. And my last name is Myrick. M Y R I C K.

utterance: Thank you so much Miss Myrick. And I do have your last name spelled M Y R I C K. Was that correct?

utterance: Yes, ma'am.

utterance: Thank you so much. And may I also have your date of birth please?

utterance: I'm sure I was born August the first nineteen seventy-one.

utterance: Thank you Miss Myrick. I have your birthday is August the first nineteen seventy-one?

utterance: Yes ma'am.

utterance: Thank you. And may I also have your PIN number please?

utterance: sure. So sorry, I know I have it written oh there it is. our PIN number is three five two three eight zero eight six.

utterance: Thank you so much Miss Myrick. I have your PIN number as three five two three eight zero eight six.

utterance: Yes ma'am.

utterance: Thank you. And may I have the account number you would like the funds to be withdrawn from?

utterance: Absolutely, that would be our account number six three eight two three one seven four nine five.

utterance: Thank you Miss Myrick. So I have the withdrawal account number is six three eight two three one seven four nine five.

utterance: Yes ma'am.

utterance: Thank you so much. And how much would you like to transfer today?

utterance: I need to send four thousand five hundred seventy-nine dollars and sixty-six cents.

utterance: Thank you Miss Myrick. So, that's gonna be four thousand five hundred seventy-nine dollars and sixty-six cents?

utterance: Yes, ma'am.

utterance: Thank you. And, you said this will be a domestic transfer, correct?

utterance: Yes ma'am, a domestic.

utterance: Thank you. Now I do need to get some information about the bank and the account that you would like the funds to be transferred over to. May I have the routing number of their bank please?

utterance: Yeah, absolutely. Let's see, there it is. their routing number will be four five seven nine two one eight three four.

utterance: Thank you Miss Myrick. So, I have the routing number is four five seven nine two one eight three four.

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

utterance: Thank you so much. And, may I have their account number please?

utterance: Sure. Let's see. OK, their account number will be four three nine eight five nine six four seven three.

utterance: Thank you Miss Myrick. I have their account number is four three nine eight five nine six four seven three. Is that correct?

utterance: Yes ma'am it sure is.

utterance: Thank you so much. Gimme just one moment to get this processed for you, OK?

utterance: OK, yeah, great. Thank you so much Wanda.

utterance: Yes ma'am.

utterance: All right, Miss Myrick. I do have this wire transfer processed for ya, and I lets, I'm sorry, it's the amount of four thousand, five hundred seventy-nine dollars and sixty-six cents. It's to be withdrawn from your account number that ends in seven four nine five. And, that will be deposited into your vendor's account number that ends in two seven one nine.

utterance: Yep, that is absolutely correct Wanda, thank you so much.

utterance: Thank you Miss Myrick, was there anything else that I could assist you with today?

utterance: No, ma'am. That is all, and again, thank you so much for your help Wanda.

utterance: Thank you Miss Myrick, for calling Intellibank, you have a wonderful day.