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

utterance: Hi, this is Peter Davis. I'm getting all these bank's statement in my company and I want to get rid of it. It's too much.

utterance: Oh I I hear that Mr. Davis just a moment. let's see so do you want to cut down on your paperwork that you're receiving?

utterance: No. I

utterance: Wanna get rid of the. Of it all.

utterance: OK Mr. Davis. what we can do is put you on a paper list delivery for your statements. Is that gonna work for you? So you'd be receiving it via email?

utterance: On email would be fine yes.

utterance: OK. So email is your preferred delivery correct?

utterance: Yes.

utterance: OK so let me get some information from you and I will get that started. OK, so you said your name is Peter Davis?

utterance: Ya.

utterance: Could you please spell your first name?

utterance: P E T E R.

utterance: OK and last name?

utterance: D A V I S.

utterance: OK, what's your date of birth Mr. Davis?

utterance: November four nineteen sixty-eight.

utterance: Alright and we do have a security pin code on your account. Do you know what that is?

utterance: four times eight.

utterance: OK, eight eight eight eight?

utterance: Yes.

utterance: OK, so Mr. Davis what we are going to do is.

utterance: Can I change that also?

utterance: Yes you can Sir. let's see. Just a moment please. Let me. Let me go ahead and do one thing first with your paper delivery. OK so I've marked it. You will now receive all of your statements through email.

utterance: OK perfect.

utterance: OK would you please confirm your email address with me?

utterance: Peter sixty-eight Davis at Gmail dot com.

utterance: Correct.

utterance: OK, got it. OK Mr. Davis. So those are set up for email delivery starting next month. if you receive . If you start receiving them for some reason in the mail just let me know but you shouldn't.

utterance: OK, that's good.

utterance: OK, so now you would like to change the pin code on your account?

utterance: Yes.

utterance: OK, so your pin code we can change that to another four digit number. Do you have a four nip digit number in mind that you would like to change it to?

utterance: Yes eleven zero nine.

utterance: OK, so I got one one zero nine.

utterance: Correct.

utterance: OK Mr. Davis. So we have your pin code changed and that is only for your account. So when you call in we'll need that number. This does not affect your debit card.

utterance: No I understand.

utterance: OK Mr. Davis. is there anything else I can help you with?

utterance: Yes, I want to have some information about a platinum credit card.

utterance: OK Mr. Davis. we don't have a platinum credit card. We do have a silver card. We also have a gold card.

utterance: Oh can I have information about the silver and the gold one? What deliver through email.

utterance: Sure.

utterance: OK Mr. Davis. Let me go to another screen and get you set up for that. So we got you set up for email delivery on information on the silver and gold business credit card.

utterance: Yes.

utterance: OK, so you should be receiving that information within the next twenty-four hours. that will include an application for the credit card. You can fill out that information. Email back to us or you can drop it by one of our office locations.

utterance: OK.

utterance: I can also help you fill out one of those online right now if you would like to.

utterance: No, my daughter is coming home and she will help me with that. That's not a big deal.

utterance: OK Mr. Davis. So you should be receiving that information in the next twenty-four hours. So keep an eye on your email. If you don't find it in your email, look in your spam folder.

utterance: OK. Then I have a question. What is the daily withdrawal limit that I have on my checkings account?

utterance: OK just a moment. Let me pull that up for you. So your business checking account, it looks like your daily withdrawal limit is one thousand dollars.

utterance: I want to up that.

utterance: OK Mr. Davis. Just a moment. Let me go to the next screen here. OK, how much would you like to increase that to?

utterance: five thousand.

utterance: OK so five thousand.

utterance: No make it ten thousand.

utterance: Ten thousand day. Now that might be a little hard at some ATM machines but we can increase it to that we we don't usually have on stock that much.

utterance: Oh OK then make it five thousand.

utterance: OK Mr. Davis. So five thousand you want as your daily withdrawal limit?

utterance: Yes.

utterance: OK. Got that noted on your account. And is there anything else we could go through with you on your business account?

utterance: No I think that's that's enough. I will get the information about the credit cards. I'm glad that I will get my bank statement statements now through email. So I think I'm have enough.

utterance: OK Mr. Davis. Well if you have any other questions or any problems please reach out to us. My name is Mary with Intellibank. and have a great day.

utterance: OK.

utterance: Same to you bye bye.

utterance: Goodbye.


speaker_role: Agent

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

speaker_role: Customer

utterance: Oh hello. My name is Shalyn and I would like to set up an automatic loan payment. Just tell me if that's possible because I usually keep forgetting to pay and to make my payments on time.

utterance: Absolutely I can go ahead and help you out with that. First I'm going to ask you some information about yourself. So first can I have your full name and date of birth please?

utterance: OK. My full name is Shayln Peterson and my date of birth is on the twenty-ninth of December nineteen ninety.

utterance: All right thank you for that.

utterance: And can I have your PIN number please?

utterance: OK my PIN number is two four one three.

utterance: Thank you for that. And can I have your loan account number?

utterance: OK that would be three five four seven six eight oh sorry I I think I missed a few numbers. Can I start all over again?

utterance: Yes of course.

utterance: OK that will be three five four six six eight seven nine two four.

utterance: All right thank you. And to confirm that is three five four six six eight seven nine two four?

utterance: Yes that it is.

utterance: All right thank you. And could I also get the bank account number that you will fund this future payments from?

utterance: OK that will be eight six seven five nine nine four five seven six.

utterance: All right and to confirm that is eight six seven five nine nine four five seven six?

utterance: Yes that is correct.

utterance: All right thank you. And can I also get the banking routing number?

utterance: OK that routing number will be seven five eight six five four five one zero.

utterance: All right thank you for that. And what is the date that you would like this automatic system to first take place?

utterance: I prefer next week on Tuesday.

utterance: All right no problem. And lastly can I also get your credit card number?

utterance: OK that will be four nine two nine three eight one three two seven five five two two two four.

utterance: All right thank you. And to confirm that is four nine two nine three eight one three two seven five five two two two four?

utterance: Yes that is correct?

utterance: All right thank you. All right I have gone ahead and set up automatic loan payments. for your loan. So that system is now set in place for you.

utterance: Oh OK thank you for that. And how is the weather over there?

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

utterance: Oh it's also very nice very nice warm and sunny and I hope it stays like that for the next couple of days.

utterance: Absolutely. I wish that as well because I really love the warm weather.

utterance: Yeah it's really great for everybody. And I was wondering about the automatic loan payment. Can I cancel it in the future if I want to?

utterance: Yes absolutely. If you find that you did not like the automatic payments you can absolutely call us back and we'll cancel it for you.

utterance: Oh OK that's good to know.

utterance: Absolutely.

utterance: I think that's it for today. I don't seem to have any more issues for the moment.

utterance: All right no problem. If you have any other issues you can call us back.

utterance: Oh OK I'll do that.

utterance: All right have a great day.

utterance: Thank you and you too.


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

utterance: Hi, Jess. so I got a loan flyer in the mail here and I wanna sign up for I think it's the travel light program?

utterance: I think you might be speaking about our traveler's card.

utterance: Yes, yes. That one.

utterance: OK. So the flyer that we sent out is for an in-depth meeting complimentary with our risk specialist so they can go over your account and let you know about your options.

utterance: OK.

utterance: Is that something you'd like to go forward with?

utterance: As long as it's for the travel what you said it's not like. What is the program

utterance: The Traveler's Card.

utterance: OK OK. Yes. As long as it's for that. Then yes cuz it kinda fits the business model perfectly.

utterance: Yes. They can address that in your complimentary meeting.

utterance: OK, nice. Nice and I'm sorry for getting the name wrong and.

utterance: Oh no no no. It happens all the time.

utterance: Oh.

utterance: so can I go ahead and get your full name, please?

utterance: Yes. Let me know when you're ready.

utterance: I'm ready.

utterance: First name's gonna be Barry. B A R R Y.

utterance: OK.

utterance: And the last name is going to be Duvall. D U V A two Ls L L.

utterance: OK. Great and and can I go ahead and get your birthdate, please?

utterance: Let me know when you're ready.

utterance: I'm ready.

utterance: March third nineteen eighty-three.

utterance: OK. March third nineteen eighty-three.

utterance: That is correct.

utterance: OK, great. I'm gonna go ahead and pull up your account. Can I get your credit card number from you?

utterance: Absolutely. Give me one second. I actually need to go to the kitchen and grab my card. Give me one second, please?

utterance: Of course. Take your time.

utterance: OK.

utterance: I'm sorry. I've seem to misplace my card. I'm gonna run down to the car real quick. give me one second.

utterance: Of course.

utterance: OK. Sorry about that.

utterance: Huh, a little sprint going on there.

utterance: I'm ready whenever you are.

utterance: OK. five one five three five zero three eight hello?

utterance: Yes.

utterance: OK. Five three nine one six three seven five.

utterance: OK and just for clarity that was five one five three five zero three eight five three nine one six six seven five.

utterance: That's correct.

utterance: OK. Great.

utterance: so before we go any further. I just need to ask you a few security questions for your account.

utterance: OK.

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

utterance: Yeah. Let me know when you're ready.

utterance: I'm ready.

utterance: It's gonna be all zeroes. Zero zero zero zero.

utterance: OK. Great.

utterance: And I'm gonna go ahead and ask you the security questions that you set up when you created your account.

utterance: OK.

utterance: What is the name of your first pet?

utterance: The name of my first pet is El Monte.

utterance: OK. Great and what city were you raised in?

utterance: I was raised in Riverside.

utterance: Riverside.

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

utterance: OK.

utterance: OK. I have your account with me and I also have our scheduler open so we can get you in contact with one of our risk specialist.

utterance: Is there a specific date and time you were hoping to speak with someone?

utterance: I would love to do like maybe maybe like a midday like Wednesday?

utterance: Wednesday midday. OK. Let me see what I can do for you.

utterance: OK. So on Wednesday, we have one at twelve thirty, one at one and another at two thirty.

utterance: Let's do two thirty.

utterance: OK. So I'm gonna schedule you on Wednesday, two thirty. And did you wanna have this meeting online or in-person?

utterance: Let's do online.

utterance: OK and what's the best email to reach you at?

utterance: Let me know when you're ready.

utterance: I'm ready.

utterance: So we're gonna do my business email. info at class clap dot com.

utterance: OK info at class clap dot com.

utterance: Mhm.

utterance: OK, great. So just be expecting an email from us. It should be coming from Intellibank. so yeah. You're all set up. Is there anything else I can help you with on our end?

utterance: no no. I think you've been a great help and I appreciate it and yeah. Thank you.

utterance: OK. Happy to help. You have a lovely day.

utterance: OK. Thank you. You too.


utterance: Good afternoon. Thank you for calling Intellibank. My name is Marcia. How may I assist you today?

utterance: hi. I need to change my pin number, please.

utterance: Certainly. I'd be glad to help you with that today. How's your day going today?

utterance: OK. How are you doing?

utterance: Great. Thank you for asking. All right. Let me just get a little information so I can access your account.

utterance: Mhm.

utterance: May I get your name please?

utterance: my name Carrie Smith.

utterance: is it Carry, C A R R I E.

utterance: Yes.

utterance: OK. And Smith with S M I T H. OK. Every now and then I do see it with a Y so I just wanted to verify.

utterance: Right.

utterance: Oh.

utterance: Sure.

utterance: All right, and may I get the current pin number that you are using.

utterance: the current pin number is two four one two.

utterance: OK.

utterance: And.

utterance: For security purposes, I just need to ask you a series of questions.

utterance: Mhm.

utterance: What is the name of your first childhood pet?

utterance: the name of my first childhood pet is Buster.

utterance: Buster, OK. Cute name. And what is the name of the first street you lived on?

utterance: Farralon.

utterance: OK, great. That that did prompt me to be able to open the system for you. and Carrie you'd like to go ahead and change your pin number. All right. So, currently you're using two four one two. So what I'm gonna do is I'm gonna open a screen bear with me. It takes a moment. And then what I'll I'm going to do is move your old pin number and I'll let you know when you can punch the numbers into the system and it will receive that and then you will also tell me that verbally so I can input it into the system.

utterance: Mhm.

utterance: OK.

utterance: All right. Simple process but it sounds like it takes a lot. All right. One moment please. You'll hear a silence.

utterance: All right, Carrie, that did go ahead and remove your old pin number from our system. Now, what I'd like you to do is to, on your phone, please punch into the keypad the new four digit code you'd like to use.

utterance: OK.

utterance: Tell me when you finished.

utterance: I put in four six three three.

utterance: OK. I'm sorry, I was not in that screen. One moment. I'm gonna ask you for that again. One more time.

utterance: Four six three three.

utterance: OK, very good. Four six three three. Let me just make sure that this is being set.

utterance: Perfect. Your PIN number has been successfully changed. Is there any information in here that I can change or update for you? Your email, phone number?

utterance: No but I was wondering, can you give me some information or send me some information about your secured loan, like, the maximum you can take out and the interest rate. If you could just send me some paperwork on that?

utterance: Certainly. we can send things physically, to your home address. We can email you. And we have actually several types of loans. we have a secured loan. We have a term loan. We have a real estate loan. And recently, with the covid hitting the nation, we now have SBA loans, both SBA seven A, and SBA five oh four.

utterance: I just want information about the secured loan?

utterance: About the secured loan. All right. Would you like me to have this mailed to your home, which would take seven to fourteen business days? Or would you like this information submitted electronically?

utterance: you can just just send it to me electronically.

utterance: OK. And can you please confirm the email address?

utterance: sure. Can you hold on please, cuz I just changed my email address. I wanna make sure I give you the right one.

utterance: No problem.

utterance: Thanks.

utterance: OK. Ready?

utterance: I am.

utterance: Carrie Smith at Gmail dot com.

utterance: All Is Carrie Smith all one word or is there a period in between.

utterance: no, one word.

utterance: OK. One moment while I input that.

utterance: All right. Very good. So we've. actually this was good because this was an update for your email. and this was just sent out electronically. Carrie, is there anything else I may assist you with today?

utterance: just the online banking. It's the same website that you have for everything else, correct?

utterance: Correct.

utterance: OK.

utterance: OK, that's all I needed to know. Thank you!

utterance: You're you're welcome, and have a wonderful day.

utterance: Thanks, you too.

utterance: Bye.

utterance: Bye.


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

utterance: yes, I need to get the value of one of the stocks that I own.

utterance: All right, I can certainly help with that. can I get your name please?

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

utterance: Thank you, and your date of birth, Mr. Thomas?

utterance: May twelfth, nineteen sixty.

utterance: Great, and can I have the account number for your investment account, please?

utterance: OK, hang on a second while I get it.

utterance: All right, no problem, just let me know whenever you're ready.

utterance: OK, my investment account number is seven three zero six nine five six eight two nine.

utterance: All right, that's seven three zero six nine five six eight two nine, is that correct?

utterance: That's correct.

utterance: Great, and then can I have your security number please?

utterance: One zero six two.

utterance: All right, fantastic. Thank you very much. and OK, you're wanting to just check the value of one of the stocks that you own?

utterance: Yes.

utterance: OK, no problem. What is the symbol of the stock that you would like to check?

utterance: C H E.

utterance: All right, that looks like that is the key med stock, is that correct?

utterance: Yes.

utterance: Great, and it appears the current value of that stock is four thousand nine hundred and eighty-two dollars and seventy-six cents.

utterance: OK.

utterance: All right, is there any other stocks that you would like to check the values of?

utterance: can't think of any.

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

utterance: can you tell me what other services that you offer?

utterance: I certainly can we have got three different tiers of business credit cards that we offer. We also have two types of business checking accounts. And we have our business savings account, our wealth management account, which you are aware of. and we also have our a variety of different loans that we offer. And we also have got online banking as one of our main services we offer to our customers. And we also have a variety of different specialists here, to help with any kind of business financial questions and concerns you might have, including tax specialists investment specialists risk management specialists, financial advisors and even notary publics.

utterance: OK with the online banking, would I be able to check the value of my stocks there?

utterance: Yes sir, you would absolutely be able to check the value of stocks on your online banking. As well as trade your stocks, get stock quotes sell buy there you can really do just about everything you would need to do with you with your investment account on online banking.

utterance: OK, yeah that's something I'm interested in. Is that something you could set me up with today?

utterance: It certainly is sir. If you give me just one moment let me switch to that screen. all right, and can I have you email address please?

utterance: Thomas customs at Gmail dot com.

utterance: Thank you, and is that the email address that you would like associated with your online banking account?

utterance: Yes, it its.

utterance: Perfect. And all right I've got a username for you, as well as a password if you want to write these down.

utterance: OK. I'm ready.

utterance: All right sir, your username is D Thomas nine seven four.

utterance: OK.

utterance: And your temporary password will be capital J capital E three seven capital Q two.

utterance: OK, I've got that written down.

utterance: All right, perfect. And all you'll need to do now is go to the Intellibank dot com website and there you will see a link in the top right hand corner. Click that link to log in, and put enter those details. And it will then prompt you to create a unique password for your account. And it will then guide you through the rest of the setup process.

utterance: OK.

utterance: All right, sir. Anything else that I can assist you with today?

utterance: don't think so.

utterance: OK, well you have a fantastic rest of your day, and thank you for calling Intellibank.

utterance: All right, Thank you.

utterance: Thank you, goodbye.


utterance: Hi, thanks for calling Intellibank. My name is Ginger and how may I assist you today?

utterance: Hi Ginger how are you doing today?

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

utterance: Oh I'm doing great thank you. I was calling to see if I could get a couple of stock quotes from you?

utterance: I'd be more thank happy to assist you with that today ma'am. May I have your name please?

utterance: Sure this is Kelly. K E L L Y. Lail. L A I L.

utterance: Alright, thank you so much Miss Lail. I have your first name as Kelly K E L L Y and last name is Lail. L A I L. Is that correct?

utterance: Yes ma'am it sure is.

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

utterance: sure. My birthday is December the twenty-seventh, nineteen seventy-three.

utterance: Thank you ma'am. I have December the twenty-seventh, nineteen seventy-three.

utterance: Yes ma'am.

utterance: Thank ya, and may I have your PIN number please?

utterance: Sure. my PIN number is five one two eight six nine six four. No, no. Ginger I am so sorry that is incorrect. the my pin number. I just changed it a couple of days ago so please excuse me. the pin number's five one two six eight nine six four.

utterance: Alright ma'am, thank you so much. That's not a problem whatsoever. what is the stock symbol of the first stock you'd like the quote for?

utterance: I would like it for A A P L.

utterance: All right ma'am. For AAPL I'm showing that is one hundred fifty dollars and eighty-one cents a share.

utterance: Alright. One fifty eighty-one?

utterance: Yes ma'am that is correct.

utterance: Alright. Well how about for M S F T?

utterance: Well let's see her Miss Lail. I'm showing M S F T right now is at three hundred thirty-five dollars and ninety-five cents a share.

utterance: Alright so three thirty-five ninety-five?

utterance: Yes ma'am.

utterance: OK. how about for G O O G?

utterance: I'm showing for G O O G that is at two thousand nine hundred eighty-four dollars and ninety-seven cents a share.

utterance: Alright so two thousand nine hundred eight four dollars and ninety-seven cents?

utterance: Yes ma'am, that is correct.

utterance: Alright. let's see. Next how about for A M Z N?

utterance: Let's see. For A M Z N I'm showing that is three thousand five hundred seventy-six dollars and twenty-three cents a share.

utterance: All right. Three thousand five hundred seventy-six dollars and twenty-three cents?

utterance: Yes ma'am, that is correct.

utterance: OK. let's see, I still have a few others. How about for T S L A?

utterance: That's not a problem whatsoever Miss Lail and for T S L A I'm showing currently that is at one thousand twenty-three dollars and fifty cents a share.

utterance: Alright. One thousand twenty-three dollars and fifty cents?

utterance: Yes ma'am, that is correct.

utterance: OK. How about E B A Y?

utterance: Let's see. I'm showing E B A Y is seventy-three dollars and ninety-one cents a share.

utterance: Alright. Seventy-three ninety-one?

utterance: Yes ma'am, that is correct.

utterance: OK. don't worry I'm almost done. How about for F B?

utterance: Alright for F B like Facebook?

utterance: Yes ma'am.

utterance: Let's see. F B currently is at three thirty-five thirty-seven a share.

utterance: Alright. Three thirty-five thirty-seven?

utterance: Yes ma'am, that is correct.

utterance: OK and just one last one Ginger. How about N V D A?

utterance: Alright let's see. N V D A that one is at three oh six fifty-seven a share.

utterance: Alright. Three oh six fifty-seven?

utterance: Yes ma'am. Three oh six fifty-seven.

utterance: OK well that you so much for your help today Ginger.

utterance: That's not a problem whatsoever Miss Lail. Is there anything else I can assist you with today?

utterance: No ma'am that'll do it. Thank you so much.

utterance: Thank you so much for calling Intellibank and you have a wonderful day.


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

utterance: Hello! I would like to check my balance.

utterance: Sure, I can help you with that! Can I get your first name please?

utterance: Alexander Lopez, six six six two.

utterance: That was Alexander, last name Lopez?

utterance: Yes.

utterance: And your date of birth was. I'm sorry, I didn't catch that.

utterance: Six six six two.

utterance: Thank you, sir.

utterance: Yes.

utterance: And your account number please?

utterance: Yes. Eight six seven. Two three. Five eight nine. Two seven five.

utterance: Thank you for that information. And your PIN number?

utterance: Yes.

utterance: Yes. Can you hang on a second?

utterance: Sure!

utterance: OK. Six two six two. And my email is A L O P E Z seventeen at Gmail.

utterance: Thank you for that information, sir.

utterance: And you know what? Forget about the account account balance! I just found it online. How's your day going?

utterance: I can't complain, sir! Pretty good! We're having beautiful weather today.

utterance: Oh, yeah? That must be nice. What's the temperature like?

utterance: Oh, it's been in the sixties all day. It's gonna be in the fifties tonight and it's beautiful fall weather here!

utterance: Oh, OK. Very nice.

utterance: How about yourself?

utterance: Cool. And you know what? Forget about the account balance. I just found it online. I would like to schedule an appointment with a notary. I'm doing OK today. Thank you very much!

utterance: Excellent! Excellent! Sure! No no problem, sir! let me just back out of here on the computer, OK? Gimme one second.

utterance: OK. You see, I'm trying to get custody of my son. I need some papers signed. OK? Thank you.

utterance: Sure! No problem, sir. I can schedule that for you. All right. Let's see what I have available, OK? You want the first available, correct?

utterance: Sure.

utterance: All right. I can offer you an appointment on November tenth at nine a.m.. That's the earliest available. Does that work for you?

utterance: That sounds perfect. Thank you!

utterance: You're very welcome, sir. Let's see here. just want to make sure I have all your information. Can you just give me that account number one more time?

utterance: OK, can you hang on a second?

utterance: Sure!

utterance: Eight six seven. Two three five. Eight nine two seven five.

utterance: Thank you sir. And that email address, one more time please.

utterance: The email address is A Lopez seventeen at Gmail.

utterance: All right, sir. Now, as soon as we hang up the phone, you should receive an email confirmation with your appointment scheduled for November the tenth at nine a.m. with your notary in office. OK? You have to come in office. We are not offering over-the-phone notaries at this time.

utterance: OK. Thank you.

utterance: Great! So, you are all set! And we shall see you on the tenth at nine, OK?

utterance: OK. You have a great day.

utterance: Thank you, sir! You, too. Mm bye bye!

utterance: OK. Bye bye!


utterance: Hello and thank you for calling Intellibank. Home of smart savings and the low rate SBA loans. My name is Richard. How can I help you today?

utterance: Yes I'm calling to get a copy of my credit report.

utterance: OK, I can definitely help you with that. What's your name sir?

utterance: David Bayne.

utterance: David Bayne?

utterance: Bayne.

utterance: Spell that for me, that last name.

utterance: B A Y N E.

utterance: Bayne OK Bayne. OK David, I can definitely help you get a copy of your credit report sent your way. I'm just gonna need to verify some information. Firstly there's a PIN number that's associated with your Intellibank account. What are those four digits sir?

utterance: Four three six eight.

utterance: Four three six eight OK great. Give me one moment while that populates on my screen. OK David I'm looking at it here. Verify your date of birth for me please?

utterance: Eleven twenty-two eighty-five.

utterance: Eleven twenty-two eighty-five. Great. All right and verify your social security number for me as well?

utterance: Two six nine eighteen sixteen forty-three.

utterance: Two six nine eighteen . OK All right great. All right so I'm gonna go ahead and see if I can get this generated for you today and sent out today. What delivery method would you prefer David, would you prefer it to be mailed to you?

utterance: Email or.

utterance: Email would be fine.

utterance: You wanna?

utterance: Email, OK. We will send that to you electronically.

utterance: How long does that take?

utterance: All right it's instantaneous actually by the time. OK.

utterance: But you know for you know, I was trying to buy a car for my daughter.

utterance: Then all of a sudden her mother said I couldn't do that, then came around and you know she wreck the car she had. so you know this stage of the game we going to have to buy her a new car.

utterance: All right.

utterance: So I.

utterance: Or you could just let her work.

utterance: I'll need that credit report.

utterance: OK. All right. So we'll definitely get that emailed to you and as I was saying, it'll be sent to you instantaneous or by the time we are we are done with that telephone call. You should have your credit report in your inbox. What is your email address you'd like to send it to?

utterance: Oh it's davidbayne at Gmail dot com.

utterance: Davidbayne at Gmail dot com. All right. And just keep in mind that this credit report as we send it to you through email, will be an attachment, it will be a PDF. But this email is a secured email. So you don't have to worry about your information being hacked or stolen. Also in this email I'm gonna include some links to our website, so you can do online banking if you see it fit as well as our mobile app. So any type of banking you need to do on the go. You can get those things done. And of course you've the branches available to you if you wanted to walk in and get some questions answered that way as well.

utterance: All right.

utterance: OK so your consum~ your credit report is going to be sent your way through your email. But I also want to let you know that there is a one time charge of twenty-five dollars to get this populated and sent to you securely. You can. you can get that char~

utterance: How you want?

utterance: Me to pay for that?

utterance: You can credit card or debit card or we can bill it to your account, your business account that we have here.

utterance: Let's do credit card.

utterance: OK just give me one second and I'll get to that screen. All right and I will take your credit card number when you're ready.

utterance: Now hold on hold on a second.

utterance: OK.

utterance: Four two six eight two two six eight. Six eight six eight seven seven six eight twelve twenty-four.

utterance: Seven seven six eight.

utterance: Twelve .

utterance: Eight oh eight. Eight oh eight..

utterance: All right. All right just give me a moment for that to process. OK looks like everything is is cleared up over here. Weather is good. Weather is good. You know it's California so it never really deviates too far off the the norm.

utterance: Has the weather up there.

utterance: OK.

utterance: That's good.

utterance: So we we can't complain. How about you?

utterance: It's all good. It's It's good enough weather to get you a credit report.

utterance: That's right. All right. So we have that credit report sent to you, through your email. Is there anything else I can help you out with today?

utterance: I think that's it, if I can get that I'll be all right.

utterance: All right. Well you're all right then so have a great day and thank you for being an Intellibank customer.

utterance: Thank you.


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

utterance: I just would like to check my credit card balance.

utterance: Sure. Can I get your last name please?

utterance: Jorge.

utterance: That is?

utterance: With a J.

utterance: With a J. Is it J O R G E?

utterance: Yeah.

utterance: OK. Excellent. Can I get your first name?

utterance: Priscilla.

utterance: Could you please spell that?

utterance: P R I S C I L L A.

utterance: Excellent, thank you.

utterance: And you can call me whatever you'd like while we're on the call.

utterance: OK. Thank you Priscilla. once again, my name is Ryan. And Can I please get your PIN and your date of birth?

utterance: You're welcome.

utterance: Thank you.

utterance: PIN? Thirty-two eight six. Date of birth, nine eleven eighty-eight.

utterance: Excellent. I have access to your account and I see you have a few cards with us. You said you wanted to check your credit card, your business platinum check the card.

utterance: Actually, do you think you could give me the available balance for all my cards?

utterance: Absolutely. So for the one that I just described.

utterance: Mhm.

utterance: do you have a copy of all the cards in front of you? Cuz I just need you to read off the last four of each.

utterance: Yes.

utterance: OK. Can you please read off the first one that you have? And then I will look that one up.

utterance: Six seven four two.

utterance: OK. That is your business platinum card. And that has an available balance of sixty-six thousand, two hundred and thirty-two dollars.

utterance: Mm.

utterance: And twenty-seven cents.

utterance: That's nice.

utterance: Yes. what's next?

utterance: Eight nine four two.

utterance: OK. This is your silver card and this one the available balance is the full twenty-five thousand. There's no outstanding balance.

utterance: Oh.

utterance: Thank you Ryan.

utterance: You're welcome. It's not because of me that there's no charges, but you're welcome for the information.

utterance: That's what I was thanking you for.

utterance: Right. do you have another card or?

utterance: Yeah, six eight three two.

utterance: OK. This is your silver card. And this one, you have an an available balance, of two thousand two hundred. Thirty-nine dollars and seventeen cents.

utterance: OK.

utterance: Any others?

utterance: Do I have any other cards?

utterance: No you just have your debit card. but, just did you want your your debit card total, like the your account balance total for your checking account?

utterance: Yes.

utterance: OK. Excellent. Your checking account balance at the moment is six thousand, three-hundred twenty-nine dollars and seventeen cents.

utterance: OK.

utterance: Would you like to hear your savings account?

utterance: Yes.

utterance: OK. Your savings account balance as of right now is, two hundred and seventy-nine thousand, three hundred ninety-two dollars and fourteen cents.

utterance: OK. And what other information can you give me?

utterance: well, it appears you have set up for our online system.

utterance: Well isn't that nice?

utterance: yep, so if you would like to log-on at some time to Intellibank dot com.

utterance: Intellibank dot com?

utterance: Yes, ma'am.

utterance: OK.

utterance: And if you go up in the upper right hand corner it'll say sign-up since you're already a customer with us, most of your information is in there but you know, we'll just make sure that it's you and then you can make a password. And then anytime you log on it'll be faster from that point on, but then you can check all your balances and all your statements and all your information in one convenient place.

utterance: Mhm.

utterance: Oh.

utterance: You're also always welcome to call us, here. at Intellibank.

utterance: OK.

utterance: So, maybe check that out and give us a call if you have any troubles logging-on.

utterance: OK, Ryan. Thank you very much.

utterance: Thank you. is there anything else that you would like help with? Today Priscilla?

utterance: You gave me everything I could have ever wanted.

utterance: Excellent. Well thank you very much for your call and thank you for being one of our favorite customers at Intellibank.

utterance: Oh, goodbye.


utterance: Thank you for calling Intellibank, commercial and business banking, banking division. This is Tiffany. How may I help you?

utterance: Yeah, hey Tiffany. This is John Rivers at Pip and Dip.

utterance: Hello John. How can I help you today?

utterance: Oh, I was trying to use your mobile payment processor. your mobile. I'm sorry. Your mobile banking app, and I I just can't seem to get it to do what I need it to do.

utterance: Oh no, I'm sorry to hear that. I'd be more than happy to walk you through the app over the phone or if you would prefer I would be able to assist you over the phone with.

utterance: Oh.

utterance: If you could assist me over the phone, that'd be great.

utterance: Sure, I can definitely help you with that. let me just get your account here pulled up. can I please get the first and last name on the account?

utterance: Yeah that's John Rivers and my birth date is one eighteen of eighty-nine and the PIN number is fifteen ninety-five.

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

utterance: Yeah. My wealth management account is zero two two one seven three.

utterance: OK. I'm showing that that is the correct account number, but the account tied to that is a preferred checking, not a wealth management account.

utterance: Oh.

utterance: That's right.

utterance: Sorry, I have like multiple accounts here.

utterance: Oh, understandable. It can get kinda tricky keeping track of them. so what were you looking to do with your information today? Did you just need to do a quick account check up for balances? Were you wanting to do transfer? wire transfer?

utterance: That one, a a a wire transfer.

utterance: Deposits?

utterance: OK, so you're needing to do a wire transfer.

utterance: Yes.

utterance: And how much were you wanting to transfer?

utterance: six hundred and eighty-six dollars.

utterance: Six hundred and eighty-six. OK. Now is this going to be a domestic or international transfer?

utterance: It's definitely domestic.

utterance: OK. Now, do you have the other party's routing number available?

utterance: Yes. One. could you please hold while I get that?

utterance: Yup. Not a problem.

utterance: All right. Yes. Here it is. It's forty-seven sixty eighty-nine thirty-two thirteen sixty-four.

utterance: OK, and then do you have their bank account number?

utterance: yes. It's thirty-one seventy-nine fifty-nine.

utterance: OK. I have gone ahead and made the transfer. It is an instant transfer, so it will show on their end immediately, as well as yours. Was there anything else I could help you with today?

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

utterance: OK, well then you have a great rest of your day now. Bye bye.


utterance: Hi. Thank you for calling Intellibank. This is Holly speaking. How may I assist you today?

utterance: Good morning, Holly. How are we doing today?

utterance: I'm doing just great. Thank you so much for asking, ma'am. How about yourself?

utterance: I'm doing well also. the reason I'm calling you this morning. I need a SBA five oh four loan.

utterance: OK, ma'am. I'd be more than happy to assist you with that application today. I do need to get some information from you so we can go ahead and get this processed. May I have your name, please?

utterance: Yes ma'am. It's Betty Crowder.

utterance: OK. I have your name as Betty, B E T T Y. Last name is Crowder, C R O W D E R?

utterance: Correct.

utterance: Thank you. May I have your address, please?

utterance: Fourteen hundred Pioneer Avenue, New City, New York.

utterance: OK. I have one four zero zero Pioneer, P I O N E E R, Avenue in New City, New York?

utterance: Correct.

utterance: Thank you, Miss Crowder. May I have that ZIP code?

utterance: Three one eight two eight.

utterance: All right. Three one eight two eight.

utterance: Correct.

utterance: Thank you. May I have your social security number, please?

utterance: Yes, ma'am. My social is five two oh oh three seven four five oh.

utterance: OK. I have five two zero three seven four five zero?

utterance: Correct.

utterance: Thank you, and may I have your driver's license number?

utterance: Yes, ma'am. It's six oh seven oh nine oh seven two one.

utterance: All right. I have six zero seven zero nine zero seven two one.

utterance: Correct.

utterance: Thank you, Ms. Crowder, and what state is that issued in?

utterance: New York.

utterance: New York. Thank you very much and Ms. Crowder, anytime that you need to call and find out any information about any of your accounts with us, or if you need to call and check on the status of this loan, then for security purposes we will ask you for a PIN number. Now that can be between four and eight digits long. What would you like for that to be?

utterance: Twenty-eight thirty-eight.

utterance: All right. Two eight three eight?

utterance: Yes, ma'am.

utterance: Thank you, Miss Crowder, and may I have your email address please?

utterance: B Crowder one at Gmail dot com.

utterance: Thank you. I have B C R O W D E R one at Gmail dot com?

utterance: Correct.

utterance: Thank you and may I have the name of your business, please?

utterance: I own a consignment shop and its title is Fancy Ri- Rags.

utterance: OK, Fancy Rags?

utterance: Yes, ma'am.

utterance: Thank you, Miss Crowder, and are you the sole owner?

utterance: Yes, ma'am.

utterance: Thank you and what date was your business established?

utterance: January the seventh two thousand and seven.

utterance: All right. January the seventh two thousand seven? And what are your gross annual sales?

utterance: Ninety thousand a year.

utterance: Ninety thousand. Thank you so much and may I have your tax identification number, please?

utterance: One moment, I've misplaced it. Can you hold, please?

utterance: Absolutely, no problem. Just let me know whenever you're back.

utterance: I'm back. The tax ID number is four nine one four eight nine eight three four.

utterance: OK. Thank you so much. That's four nine one four eight nine eight three four?

utterance: Yes, ma'am.

utterance: Thank you and may I have the address that your business is located?

utterance: It's two eighty Monticello Road, Suffern, New York.

utterance: OK, ma'am. I have two eight zero Monticello, M O N T I C E L L O, Road.

utterance: Correct.

utterance: OK and that's in Suffern, New York?

utterance: Yes, ma'am.

utterance: Thank you and may I have that ZIP code, please?

utterance: Three one eight three oh.

utterance: OK. Three one eight three zero?

utterance: Yes

utterance: Ma'am.

utterance: Thank you ma'am and we also need a mailing address for you. That can either be your home address or your business address.

utterance: I'd prefer it to be sent to my business address.

utterance: OK and just to verify, ma'am. that was two eight zero Monticello Road, Suffern, New York, three one eight three zero?

utterance: Yes, ma'am.

utterance: OK, thank you, and what is the purpose for this loan?

utterance: I need to remodel.

utterance: OK so for basically construction costs?

utterance: Yes, ma'am.

utterance: OK, thank you very much, ma'am, and how much do you need this loan to be?

utterance: Fifty thousand.

utterance: Fifty thousand. Thank you and on the SBA loans they do require a down payment. they usually do between five and twenty percent.

utterance: I can do ten percent.

utterance: Ten percent. All right, Miss Crowder, that is wonderful. That looks like everything I do need for the application. Now just make sure, and please send in your supporting business documentation, and we will get back to you just as soon as possible with the result of your application, OK?

utterance: Sounds great.

utterance: All right. Well, thank you Miss Crowder. Is there anything else I could assist you with?

utterance: No, ma'am. You've been very kind. Thank you.

utterance: You're very welcome. Thank you for calling Intellibank. Have a wonderful day.


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

utterance: Yeah, hi, Sam. This is John Rivers over at three rivers bar and grill.

utterance: Hi, John. How can I help you today?

utterance: Well, business hasn't been going so good lately with the government mandated shutdowns and what-not and I think I've had half my workers walk off.

utterance: Oh yes. I've seen a lot of that in the news. I've had quite a few business owners call in recently. would you be interested in scheduling an appointment with the risks specialists? you might find them beneficial they they can help you evaluate the financial risks that you could potentially have. They can analyze where you're at financially. And then you know, help try to prevent any future losses.

utterance: Yeah, I've got a flier in the mail now that you mentioned it. I was mulling that over in my head and wondering if that might be something that our business would wanna look into. You know? Especially considering everything being so slow right now.

utterance: Yeah, I definitely think it could be very helpful for you. I'd be more than happy to set an appointment for you if you would like to.

utterance: Yeah. That sounds really good. I was wondering what times you have available and how I can go about doing that?

utterance: Yeah, certainly. Just let me get my screen pulled up here get some information from you.

utterance: Ok. Can I please get the first and last name?

utterance: Yeah. It's John Rivers.

utterance: Can I please get date of birth?

utterance: One eighteen of eighty-nine.

utterance: Can I please get the business name?

utterance: That's John Rivers oh my business? That's three rivers bar and grill.

utterance: Yes.

utterance: OK, thank you. And can I please get the address?

utterance: That's For my business or my home address?

utterance: For your business.

utterance: Oh that's at twenty-six twenty-six north cottage north San Diego nine two eight zero.

utterance: OK, thank you. Do you have a preference as to the day and time?

utterance: Well, considering how slow things are right now I think I've got a few openings.

utterance: OK. so my first available appointment is going to be this Friday at one p.m..

utterance: Yeah, I can make that work.

utterance: OK. Are you looking to do in person, over the phone, a virtual face to face?

utterance: If we could do virtual face to face that would be great.

utterance: Perfect. OK. I've got an appointment set for this Friday at one p.m.. you're meeting with Tiffany. She is our risk specialist here. she will send you an email with a link for the video chat. And then if you have any other question just feel free to give us a call.

utterance: OK well that sounds really great. I think I'll have that all set up. And hopefully I won't need to look too far into this service but I I guess it'll be good cause I'm really hoping things will pick up.

utterance: Yeah. You you won't regret making your appointment with her. She's really good at what she does and like I said they they can definitely help with some projections for your future.

utterance: All right that sounds great.

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

utterance: No, you've been great.

utterance: OK, well then you have a great rest of your day. Bye bye.

utterance: You too.


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

utterance: Hey William, gosh, I'm just stuck in traffic and I needed to just get on my phone because it's super frustrating out here so I thought I'd call you guys and I dunno, guess get something done, man. It's if I can get, if I get something done here today. I, look I wanna, wanna look into the FAQ require business documentation, maybe opening another account or taking out a loan. Yeah, yeah, let's, let's look into that.

utterance: OK, I can definitely get the FAQ require business documentation info for you. the best thing to do is start by pulling up your existing account, so that way, we have that information up. and to do that, I am going to need to ask your full first and last name as it appears on your account.

utterance: Mhm.

utterance: OK.

utterance: can I get those documents mailed to me as well, like paper?

utterance: you actually would be sending us the documents, and you would have to do that via paper. We only we only allow the documents to be received physically, so you would have to print these out and mail them to us, or you would have to walk these in to a branch.

utterance: I see. Yeah I meant you know. That, that's fine, that's fine. Got it. So you wanted my name. My name is Barrett Solowski.

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

utterance: October thirty-first nineteen ninety-one.

utterance: And your four digit security PIN?

utterance: Four nine four five.

utterance: And your six digit bank account number?

utterance: Eight six two eight six zero.

utterance: Great, thank you very much. Give me just a moment while this loads.

utterance: Man. The traffic literally there's a guy whose food truck broke down in the lane in front of me then. That's crazy. Ever seen that?

utterance: No, I've never seen that.

utterance: Like I've seen, I saw this one viral video once where people got out on the freeway to buy tacos off a taco truck. There was a traffic jam, and the taco truck just decided to open up business in the fast lane on the one one freeway and people were just eating tacos and standing outside their cars, because everybody's kind of given up and said, let's just eat some tacos and like, not a bad idea.

utterance: Well, it sounds delicious and dangerous.

utterance: Yeah, I guess so.

utterance: All right here OK, I do have your account pulled up. are you ready for the list of those required documents?

utterance: Give them to me.

utterance: So, first things first, you would need to confirm information that we already have on file for you. and that would be your Social Security number, your State-issued ID or driver's license, your tax ID number, your personal and business email address, your personal and business mailing address, the name of your business, whether or not you were the sole owner, the establishment date of your business, your gross annual sales, and if it is a loan that you'll be applying for, we would need the purpose of your loan and the amount, but those are things that we don't need if you'll be applying for a credit card. and then most importantly, we need your business license, two years of personal tax returns, two years of business tax returns and two years of year end financial statements, and those documents must be physically printed out and either mailed to us or hand delivered into a branch. Is there anything else I can help you with today?

utterance: No, thank you, that's all I really needed, you helped me out tremendously.

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


utterance: Hello, and thank you for calling Intellibank. This is Phillip, how may I help you today?

utterance: Hi Phillip, my loan balance is something that I'm not quite sure where it's at, because I checked it a while ago and I think there might be something up with it.

utterance: Alright, yeah, not a problem at all. I would recommend checking both your loan balance and your debt to income ratio. So we can see kind of how you stand as far as paying that loan back and how much you're paying towards your loan. Versus how much you're actually bringing into the business each month. so let me go ahead and start by pulling up your account.

utterance: OK, wait, you have a like a monthly breakdown of that?

utterance: We have a monthly breakdown, we have a quarterly breakdown, we can do up to a year. Would you be interested in monthly quarterly or yearly?

utterance: Monthly probably works best for me.

utterance: We'll figure out your monthly debt to income ratio. but before we get there, to pull up your account, I'm gonna need your full first and last name as it appears on your account.

utterance: That name is Scott Gelenski.

utterance: Alright, thank you Mr. Gelenski. And what is your date of birth?

utterance: June sixteenth nineteen ninety-one.

utterance: Alright. And what is your four digit pin?

utterance: One two, two nine.

utterance: And what is your six digit account number?

utterance: Eight one one, three four eight.

utterance: Great. Alright. OK, I have your account pulled up here. And this'll just take a second while your balance loads.

utterance: That's that's fine.

utterance: How's your day going today?

utterance: Pretty good, just walked the dog, and now getting things done. Errands. How about you?

utterance: Oh, just on hour, hour eight already here at the call center. Long one. It's a long one. It's a long day.

utterance: Oh with.

utterance: Oh, wow, they they have you guys working at IntelliServices?

utterance: Intellibank. It they're unfortunately keeping here twelve fifteen hours a day. Not not great. Anyway. I have your loan balance pulled up here, and it looks like you only owe twelve thousand two hundred fifty-three dollars. And nineteen cents.

utterance: OK.

utterance: And now to figure out your debt to income ratio. I am going to need your gross annual sales.

utterance: Gross annual sales last year one point one million.

utterance: All right. Well, that puts you in a fantastic position. Your debt to income ratio is only one point eight percent.

utterance: OK, that's I think that's an improvement from last year, good to hear.

utterance: yeah that is excellent, congratulations on that. I can't help to notice you are not taking advantage of our online banking. just to inform you, you can get your loan balance and there's also a calculator to figure out debt to income ratio, available to you twenty-four hours a day, seven days a week. No need for long phone calls, no need for getting put on hold. All you have to do is go to Intellibank dot com. And it's gonna ask you the same information that I asked you today. and that will get you all set up. You only have to input that information once, and then every other time you come back to the website, it's just gonna ask you for your email and your four digit pin. And you can do that by either going to the website or by downloading our app, at any of the app stores, whether you have an Android or Apple device. is there anything else that I can help you with today?

utterance: That's all I really needed, thank you.

utterance: Well in that case, thank you so much for being a valued customer of Intellibank. Thank you for calling Intellibank, and you have a wonderful rest of your day.

utterance: Thank you. Bye.


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

utterance: yes I need to check my loan balance please.

utterance: Certainly, I'd be glad to help you with that. How are you tonight?

utterance: I'm good.

utterance: Great. May I ask your name please?

utterance: Ellen Silverman.

utterance: Ellen?

utterance: Yeah.

utterance: E L L E N?

utterance: That's right.

utterance: And last name is spelt?

utterance: S I L V E R M A N.

utterance: Like severance but not gold.

utterance: Correct.

utterance: All right. Very good and Ellen may I ask you for your date of birth to verify?

utterance: date of birth is December first nineteen eighty-two.

utterance: All right one moment. I'm just inputting that into the system.

utterance: Mhm.

utterance: Thank you so much and then you also have a four digit security PIN number that you created.

utterance: Oh can you hold on for that please, I I I usually have it with me but I have to look it up.

utterance: Not a problem, I'll hold, take your time.

utterance: Thank you.

utterance: OK are you ready?

utterance: I am.

utterance: it's seven seven seven zero.

utterance: Seven seven seven zero?

utterance: Yep as in double oh seven.

utterance: Oh.

utterance: Oh that's right, just right. I didn't notice that.

utterance: All right. one moment. Very good. And one last question just for security purposes. What is the name of your childhood pet?

utterance: the name of my childhood pet is Spot.

utterance: Spot. Yes that goes through thank you very much. I ask you that question because you as the account holder had put this on just to secure your account.

utterance: OK.

utterance: Oh.

utterance: It's just been so long since I looked it up, I didn't remember.

utterance: Well let me tell you, it's a smart thing to do that. That way you're the only one that can access this.

utterance: You're right.

utterance: All right Jill, I see here that you have both a real estate loan with us and a term loan. Would you like me to check one or both of these for you?

utterance: I'll check both.

utterance: All right one moment please. I'm sorry can you provide for me your real estate loan number the account number.

utterance: one seven five two six seven three one two.

utterance: One seven five two six seven.

utterance: Uh-huh.

utterance: Oh don't worry about the rest of the numbers. I just need those six numbers.

utterance: Oh

utterance: OK.

utterance: And the one for your term loan if you could provide that as well.

utterance: two three nine two four one.

utterance: Great. All right one moment while I pull this up for you.

utterance: Mhm.

utterance: Thank you for your patience tonight, I really appreciate it.

utterance: You have such a nice voice. Have you taken a voice lesson?

utterance: no, I have not but when I was younger in high school I used to sing with the choir.

utterance: Really?

utterance: Yes.

utterance: I can tell.

utterance: Thank you so much. let's see. All right. For your real estate loan the current ba~

utterance: Are you

utterance: Single by the way?

utterance: no, I am not.

utterance: Oh.

utterance: Never mind.

utterance: Oh. OK. Let's see here. The current balance on your real estate loan is four hundred thirty-seven thousand eight hundred dollars.

utterance: on the real, that's the real estate loan?

utterance: Yes.

utterance: OK. And what's the other loan?

utterance: The one for your term loan. That balance. Oh, oh. I see a very large payment just went through on that one. So that one actually brings your balance down to twenty-three hundred dollars and sixteen cents.

utterance: OK I'd like to pay that off today please. Can I give you a check over the phone?

utterance: Which one are you are you talking you would like to pay off the term loan?

utterance: yeah.

utterance: OK yes, I now that I say that you're not going to be paying off your real estate all at once. yes I we can process with a check. However if you have a credit card that would be faster.

utterance: I can give you a credit card number.

utterance: All right one moment.

utterance: All right go ahead.

utterance: Seventy-three one five nine nine nine two one one seven five zero is that zero zero zero one.

utterance: All right one moment. The credit card number is seven three excuse me. Seven two three one five nine nine nine two one one seven five zero zero one and I am processing that payment for the total amount of two twenty-three hundred dollars and sixteen cents.

utterance: Perfect.

utterance: And while I'm doing that I automatically sent the confirmation of this to your email address.

utterance: Great, thank you.

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

utterance: No, that's it. Thank you.

utterance: Thank you, have a great night, thank.


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

utterance: Oh, hello. My name is Sharlene. And I will. I need a way to save to save my money in an account besides the checking account.

utterance: OK, no problem. Would you like to open a savings account then?

utterance: yes. I love that.

utterance: All right, absolutely I can go ahead and help you out with that. First, can I get your name and date of birth, please?

utterance: OK, my name is Sharlene Peterson. And my date of birth is on the twentieth of December, nineteen ninety.

utterance: All right, thank you for that. And can I get your address, city, state, and ZIP code?

utterance: OK, my address is nine three three Brookside Street, Garland City, Texas state, and the code is seven five zero four one.

utterance: Thank you. And can I get your social security number?

utterance: That will be four three three five four eight six seven five.

utterance: All right, thank you for that. And can I get your driver's license number?

utterance: Oh, hold on a minute so I can go and get it.

utterance: Yes, no problem.

utterance: OK. The number is J one nine nine zero one two two nine.

utterance: All right, thank you for that. And what state was that issued in?

utterance: Texas state.

utterance: All right, thank you. And can I get your PIN number?

utterance: That is three five oh six.

utterance: Thank you. And can I get your email address?

utterance: That will be Shaette. That is S H A E E T E at Yahoo dot com.

utterance: Thank you for that. And can I get the name of your business?

utterance: That will be Computer.

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

utterance: Yes, I'm the sole owner.

utterance: OK, and what was the date that your business was established?

utterance: That was on the third of March, twenty nineteen.

utterance: All right, thank you. And what are your gross annual sales?

utterance: That will be around three hundred thousand.

utterance: All right, and can I get your tax ID?

utterance: OK. That will be seven nine eight six four five three two zero.

utterance: could you repeat that for me?

utterance: All right, thank you so much. And can I get your address for your business, so the street, city, state, and ZIP code?

utterance: OK, the address for the business is seven eight two North Lynn Street, Garland City, Texas state, and the and the code is seven five zero five one.

utterance: All right, thank you. And what would you like your mailing address to be? you can have it set to your home or business address.

utterance: for my. To my home address.

utterance: All right. And what type of savings account would you like? we have the Intellibank smart savings account available. Would you like that one?

utterance: Yeah, I like that one.

utterance: All right, no problem. And what would you like your initial balance to be?

utterance: That will be around five thousand dollars.

utterance: All right. And can I get the account number for the bank account that you will fund this balance from?

utterance: OK, that will be three five four six six eight seven nine two four.

utterance: Thank you. And can I get the routing number?

utterance: OK, that will be seven five eight six one two one nine three.

utterance: All right. Thank you so much. And so I have just gone ahead and created your new savings accounts.

utterance: OK, thank you.

utterance: No problem. Any questions?

utterance: Yeah, how long will it take for me to access it?

utterance: you should be able to access it right away. You should receive an email shortly after this call with all your information.

utterance: Oh, OK. And will I be charged any fees while operating that account?

utterance: no. There's absolutely no fees with this savings account.

utterance: Oh, OK. So I can operate it freely?

utterance: Correct.

utterance: Oh, thank you.

utterance: You're welcome. any other questions?

utterance: No. I think that's it for today.

utterance: All right, no problem, and have a great day.

utterance: You too.


utterance: Good evening. Thank you so much for calling Intellibank, where your customer service is our number one priority. My name is Jean, and I will be assisting you this evening. Who do I have the pleasure of speaking to?

utterance: Victor.

utterance: Hi, Victor. How are you tonight?

utterance: I'm doing pretty good. How are you doing?

utterance: I'm doing great. I love the name, Victor. It just sounds like a stoic character from a wonderful old-time novel.

utterance: well, I'll take that as a big compliment.

utterance: I like to read, so yes.

utterance: Yes, do you? I thought you were gonna say some fantasy novel or something. Victor's not a I wouldn't say Victor's a part of a fantasy novel or a fantasy name.

utterance: Oh.

utterance: Well, we also have the famous Victor Hugo the one of our world-famous authors so.

utterance: Oh, OK.

utterance: Hunchback of Notre Dame and.

utterance: You are well well-versed.

utterance: Did he write Les Miserables? I don't remember. Yeah.

utterance: Victor Hugo. I've been asking.

utterance: The wrong guy. Yeah, I'm a computer engineer so.

utterance: Oh, there you go. Well, that's are well I'll bring all my math questions to you then.

utterance: Bring them my way. only if you help me out. That can.

utterance: Oh.

utterance: You got it. And if you can't help me, I'll still help you.

utterance: that's the way to go.

utterance: What can I do for you tonight, Victor?

utterance: All right. can you actually pull up my account, please?

utterance: I sure can. I'll just need a little bit of information from you to do that.

utterance: Sure.

utterance: All right. May I get your last name, please?

utterance: It's Sobel.

utterance: S O B E L?

utterance: That's right. Victor Sobel.

utterance: OK. And may I get your four digit security PIN that you created?

utterance: Yes. It's seven two eight five.

utterance: Seven two eight five.

utterance: Yep.

utterance: OK. Very good. And can I please verify your date of birth?

utterance: Yeah. Date of. Oh wait the day of? Yes, sorry the day of birth. One second. it's August seventeenth.

utterance: Mhm.

utterance: Nineteen eighty-nine.

utterance: OK. Very good. OK. I am seeing your information pull up. I do see that you've also prompted a security question on there just for an extra degree of.

utterance: That's right.

utterance: Yeah, ring around the account. What is the name of your first childhood pet?

utterance: you'll never guess. Snake eyes.

utterance: Snake eyes. Ooh. That's . What type of pet was that?

utterance: It was a furry little I said furry, but it was a pit bull.

utterance: Aww.

utterance: Yeah.

utterance: I had a pit bull once too so.

utterance: Yeah.

utterance: They're they're pretty near and dear to me.

utterance: Yeah.

utterance: OK Victor well this does give me access to your account and just wanted to thank you for being a loyal customer. Not only do you carry your real estate loan with us. I see you have your checking, your savings, and your credit cards with us.

utterance: Yes, I do have it all with you guys and that's why I wanna know what my debt income ratio is.

utterance: OK Absolutely, I can look at that for you.

utterance: My

utterance: Financial life is with is in your hands.

utterance: Hopefully, we are taking good care of it here for you. So, what I'm looking at here is the value of your company's debt payment divided by your gross income.

utterance: Yes.

utterance: And what time period would you like me to look at? How many quarters? and for. Sorry to interrupt you, Edgar, did you want me to look at this year? The previous year?

utterance: Yeah.

utterance: no. Let's let let's look at the previous year and what do you recommend? Do you want should is it best to know that by looking at the first two quarters? The last two quarters or all four quarters?

utterance: OK.

utterance: I I think it's

utterance: I think it's better to look at at least the last two quarters since they're the more recent ones.

utterance: All right, so why don't we do the last two quarters of twenty twenty.

utterance: OK. Great. because I think if you compare two two quarters back to back gives you a little bit of how you've been established for that time.

utterance: OK.

utterance: All right. So, looking at the previous quarter looks like the ratio was a bit higher. It fell in at twenty-four percent.

utterance: Uh-huh.

utterance: And for the following quarter you dropped a little bit to twenty-one percent which is great cuz anything twenty percent or under is ideal. Not that where you are isn't isn't good, but anything twenty percent and under is going to be in your best interest.

utterance: Uh-huh.

utterance: OK. So.

utterance: Now if.

utterance: I'm sorry to interrupt you but since you are a little over the twenty percent would you like me to look at the following quarter for the new year?

utterance: Yeah. Yeah. Let's look at the following quarter for the new year.

utterance: OK.

utterance: So for January and February again it looks like you were doing better on your debt payment.

utterance: Uh-huh.

utterance: So it actually dropped it to nineteen percent for the January February quarter. Yeah. You know you're you're on. You're on a good trend and even going dipping a little above the twenty percent really shouldn't hurt you overall.

utterance: OK, not too shabby.

utterance: Not too shabby.

utterance: OK. OK. Great. Perfect. All right, well I'm gonna because the thing is You know I have all of my I have a loan with you guys and I I think I even have a credit card with you guys. I want to open another credit card though.

utterance: OK.

utterance: So, I just wanted to see, you know, I don't want to fall into too much debt.

utterance: Absolutely. I agree with that and.

utterance: Yeah.

utterance: When you're ready to apply for that credit you can for that credit card you can even do that over the phone, online or even on our mobile app.

utterance: Well, can you actually transfer me to somebody that can help me with that?

utterance: Certainly. Let me.

utterance: Cuz I'm.

utterance: Ready to do it.

utterance: You got it. I'll transfer you to our Credit Specialist in the meantime is there anything else I can do for you?

utterance: You've

utterance: Been lovely. Thank you so much. I feel motivated.

utterance: Oh, thank.

utterance: Oh good. Well, thank you so much, Victor. Thank you for being an Intellibank customer and please hold.

utterance: Thank you. Bye.

utterance: Bye bye.


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

utterance: yes I'm looking to expand my business by buying another piece of property. is there anything you can help me out with?

utterance: well if you're needing funds for purchasing that property we do offer real estate loans.

utterance: OK and this would be an Intellbank real estate loan?

utterance: An Intellibank real estate loan yes sir.

utterance: OK and can you tell me the interest rates?

utterance: yes we Our real estate loans generally range between four and a half and nine and a half percent interest. depending on the term length and the amount and your credit history.

utterance: OK and is that something that I could apply for over the phone?

utterance: It certainly is! I can start that process for you if you would like.

utterance: OK that sounds great!

utterance: All right and I'll just get some information from you. Can I have your name please?

utterance: Dan Thomas T H O M A S.

utterance: And your date of birth?

utterance: May twelfth nineteen sixty.

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

utterance: Thirty-six Edgemont Lane Canyon Country California nine one three eight seven.

utterance: All right and your social security number sir?

utterance: Three nine five two six eight zero one one.

utterance: Thank you and your driver's license number and the state that it was issued in?

utterance: OK hang on just a second.

utterance: No problem.

utterance: OK it is O M five three D V H A I Q nine and that's California.

utterance: All right thank you very much. And then your authentication PIN for your your account with us?

utterance: One zero six two.

utterance: Thank you. All right and then Can I have a a good current email address for you that we can contact you at?

utterance: Thomas customs at Gmail dot com.

utterance: Thank you and then the name of the business.

utterance: Thomas Custom Cabinets.

utterance: And are you the sole owner of that business?

utterance: Yes I am.

utterance: And when was that business established?

utterance: July sixth of two thousand six.

utterance: Thank you and do you know what the gross annual sales for your business is?

utterance: about three hundred thousand.

utterance: All right and then your business's tax ID number?

utterance: hang on a second let me get it.

utterance: Not a problem.

utterance: OK I've got it.

utterance: All right whenever you're ready.

utterance: Four five six eight two four five three one.

utterance: Great thank you so much. And then what is the address for your business?

utterance: Seventy-six Sunbeam Drive Canyon Country California nine one three eight seven.

utterance: All right thank you and where would you like your mail to be sent to? Your business address or your home address?

utterance: My business address.

utterance: All right and that was seventy-six Sunbeam Drive in Canyon Country California?

utterance: That's correct.

utterance: All right thank you for that and can I know the the address of the piece of property that you were looking to purchase?

utterance: One five five Magnolia Avenue Canyon Country California.

utterance: Thank you and what is the purchase price of that piece of property?

utterance: A hundred and twenty-five thousand.

utterance: Thank you and the purpose of purchasing this piece of property for your business?

utterance: To add a second location.

utterance: All right thank you very much. And then what kind of down payment were you wanting to to do on this?

utterance: I can do five percent.

utterance: All right so I have a real estate loan for the purpose of adding a second location for a property that cost one hundred and twenty-five thousand dollars and a five percent down payment. Does that all sound correct?

utterance: That's correct.

utterance: Fantastic. All right I will go ahead and submit this application so we can get this process under way and you will receive a letter in the mail outlining which business documents we need to process your application further. And details on how you can mail or fax those to us or you can also login on online banking and submit the documentation electronically.

utterance: That sounds great! You're having a good day so far?

utterance: yeah I've having a pretty good day! How are your day going?

utterance: My day's going great!

utterance: Well that's great. All right is there anything else I can help you with?

utterance: I don't believe so.

utterance: All right well as soon as you get that letter if you'll send in that supporting documentation we'll get back to you with the results of your application as soon as we can.

utterance: All right sounds great!

utterance: Thank you very much. You have a fantastic day!

utterance: All right thank you!

utterance: Thank you.


utterance: Hi, thank you for calling Intellibank, My name is Bert. How can I help you?

utterance: Hi Bert, how are you today?

utterance: I'm doing well, thank you for asking. How are you?

utterance: I'm doing just well, thank you. look I'm you know I'm a small business owner and I I just kinda want to expand our business so hoping to get a loan from the bank I've been banking with for two decades.

utterance: For sure. So you're interested in a small business loan, correct?

utterance: That's correct, yeah.

utterance: All right. Let's see if we can get you with an a SBA loan. Gonna need to get into your account. Can I have your first and last name?

utterance: Tom Roberts.

utterance: Tom Roberts. That's R O B E R T S, correct?

utterance: That is correct, yeah.

utterance: All right. Can I have your social security number?

utterance: Yeah. Four, four, eight, three, three, five, two, eight, seven.

utterance: All right and I'm just gonna need your PIN to get in.

utterance: Three, two, three, two.

utterance: Three, two, three, two. Got, it thank you for that.

utterance: Yeah, you're welcome.

utterance: All right. Moving on, your account looks great. OK.

utterance: Could you actually tell me my my balance for my credit card.

utterance: Yeah. Yes, I sure can. let me get this loan process for you first and then I'll be happy to tell you. All right. I'm just gonna go straight to the application since your account is in pristine condition. It's gonna need you to give me a little bit more information. with that social security number again?

utterance: Oh, sure, of course. Yeah, I'm jumping ahead here.

utterance: Yeah. Two, eight, five, four, four, three, eight, seven.

utterance: And can I have your address?

utterance: Sixty-three hundred Wilshire Boulevard, Los Angeles California. Nine, zero, zero, three, six.

utterance: Thank you. And your email address?

utterance: Tom Roberts at Gmail dot com?

utterance: Tom Roberts at Gmail dot com. Are you the sole owner of this business?

utterance: I sure am, yeah.

utterance: And what is the name of that business?

utterance: Tom Roberts Car Details.

utterance: Tom Roberts Car Details. And what date was that established?

utterance: Nineteen eighty-nine.

utterance: Nineteen eighty-nine. Fantastic. And what are your gross annual sales?

utterance: we do about ninety thousand dollars in sales I would say.

utterance: All right, ninety thousand. Would you happen to have the tax ID number?

utterance: Oh, you bet I do. Eight, four, eight, four, two, one.

utterance: Thank you. And where is this business located. What's the street address?

utterance: did the same one I just gave you there. Sixty-three hundred Wilshire Boulevard.

utterance: OK. Is that also a good mailing address?

utterance: Absolutely. Send me whatever you want there.

utterance: All right. And what's the purpose of this loan?

utterance: Well we're gonna expand a little bit. We're gonna add on to the property and you know just have a little more room to work.

utterance: All right, sounds good. And. Yes. Yes I'm here, I'm sorry. It's my screen froze, just waiting for it to unfreeze. One second please bear with me I apologize. OK, here we go. And what's the amount you're requesting?

utterance: You all right, there what happened?

utterance: I feel like I lost you. Are you still there?

utterance: Oh, OK.

utterance: Oh, just need about ten thousand dollars.

utterance: OK, ten thousand. And what term length are you looking for?

utterance: What could I do there?

utterance: Well we have the longest being is seventy-two months and the shortest being at twelve. And we're going at twelve month months increments in between.

utterance: OK.

utterance: So.

utterance: Well let's say I try to get it back to you in about twenty-four.

utterance: Twenty-four months? All right. We can do that. That interest rate is going to be about eleven point four percent.

utterance: Yeah, sure.

utterance: Woof! Little high, but I can do it.

utterance: Yeah. And what's the down payment percentage you plan on putting.

utterance: I will.

utterance: Down?

utterance: Put down forty percent.

utterance: Forty percent? Fantastic. All right. One second. And can.

utterance: I'm I'm gonna need your, the funding bank account number for that forty percent.

utterance: What I.

utterance: You're gonna need what now?

utterance: I'm gonna need the bank account number that you're gonna send that money to.

utterance: Oh, yeah. Four eight two.

utterance: Five five five, nine nine four four, oh, two.

utterance: OK. And I'm also gonna need a routing number.

utterance: Yeah that's three, three, one, eight, five, two.

utterance: All right, got it. Thank you much. And we're just processing that loan. And it looks you were approved, congratulations!

utterance: Fantastic, thank you so much!

utterance: All right, you're welcome. And I'm gonna send you an email detailing everything we discussed today.

utterance: Yeah, great.

utterance: And you asked about your credit card balance due. Let me see about that right now. All right, one second. It looks like your total due this month is six hundred thirty-seven dollars and forty two cents. Would you like to pay that in full today?

utterance: Yeah, please.

utterance: Yeah go ahead and put it on my yeah.

utterance: All right. I'm just gonna need your credit card number to process .

utterance: Eight five

utterance: Six seven three eight two five eight. Expiration date eleven twenty-five. Two one two is the whatever that number is.

utterance: Thank you. And that did go through so I'll also be sending you a confirmation email of that. Is there anything else I can help you with today? Well thank you so much sir and you enjoy the rest of your day.

utterance: Great.

utterance: Nope, that'll be it.

utterance: Thanks so much.


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

utterance: Yeah, it's been a very busy month for me. I just had a baby, we've expanded our business, and I'm having some trouble remembering to make my loan payment.

utterance: OK, I can help you with that. First of all, congratulations on the baby. who am I speaking with today?

utterance: thank you it's Jill Baker.

utterance: All right 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 having some trouble remembering to call and make your loan payment, is that correct?

utterance: Yeah my brain is just messy lately.

utterance: OK and what kind've loan do you have with Intellibank?

utterance: I have a secured loan.

utterance: All right, Jill. So I can recommend our automatic payments for you. so it's our automatic account payments and that's basically where we set up your account so your payment drafts every month on the due date. this way you don't have to worry about going in and manually making your payment and also you don't have to worry about those late fees that you're accruing.

utterance: OK that'd be great.

utterance: All right Jill I can take that payment from you. What I'm gonna need to do first in order to set this up, is just need to get some information from you. Can you tell me what your account number is?

utterance: Yeah can you hold on just one second for me while I look it up. Hold on one second.

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

utterance: OK Jill and what is the name of your business?

utterance: It's Johnson Controls.

utterance: All right Jill and can I get your date of birth?

utterance: Yeah March second of nineteen eighty.

utterance: OK and it looks like your account has a four digit PIN number on it for security purposes. Could you also share that PIN number with me as well?

utterance: Yeah that's six three nine zero.

utterance: OK an what city and state are you in Jill?

utterance: It's Kansas City, Missouri.

utterance: And the address for you in Kansas City?

utterance: Yeah, it's two one three Long Fellow Road, and it's seven three eight two zero ZIP code.

utterance: OK. And Jill what is your driver's license number and state of issuance.

utterance: that's M nine three seven zero zero two zero zero it's Kansas driver's license.

utterance: OK Jill and your tax ID number.

utterance: It's a Missouri tax ID seven three eight eight two nine zero.

utterance: OK Jill and can I get one last thing from you, can I get the address of the business?

utterance: What a second that's not my tax ID number my tax ID number's actually two seven three seven eight two zero. And the address is eight three seven two Hillshire Way and that's Kansas City, Missouri eight three six seven two.

utterance: OK. Thank you for that, I'll get that corrected for you. And can I confirm an email address for you?

utterance: Yeah it's J Baker at Johnson Controls dot com.

utterance: All right Jill so for this automatic billing are you wanting to have that draft from your Intellibank account or from a different bank account?

utterance: So I need it to draft from my Winslow bank account for it's another bank but it's at Winslow.

utterance: OK, and is that a checking or a savings account?

utterance: It's a checking account.

utterance: And is that account in your name or is that in your business name?

utterance: It's just my name.

utterance: OK and what is the routing number for Winslow bank.

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

utterance: OK and your account number?

utterance: Nine three zero two nine zero zero nine.

utterance: All right Jill let me get this automatic billing set up for you, give me just a second OK?

utterance: OK thank you. Are you in Kansas City?

utterance: Yeah I am.

utterance: Is it snowing where you are?

utterance: it's really cold here, but it's not really snowing yet.

utterance: I've been stuck in Denver for a couple days here. I came for work but then they grounded the flights cause there was like ten inches of snow..

utterance: Ten inches that seems like an awful lot of snow. I bet it's beautiful though Denver's just really beautiful originally without any snow so I can imagine how pretty it is whenever it's all white with snow.

utterance: Yeah it's really pretty here, but I'm working so I haven't been able to like leave the hotel or anything I I'd prefer just to be skiing or something instead of kind've locked in here.

utterance: Well hopefully that clears out soon, and you're able to get back home and they get those flights safely off the ground. And that hopefully you're not having any snow when you come back here, cuz it is pretty cold right now but I I don't know that we're expecting any snow today, but hopefully, hopefully you get back here and everything's everything's melted by the time you get here. Jill I do have that loan set up for automatic billing you're gonna receive an email every month before your payment processes. So twenty-four to forty-eight hours before that payment processes you'll receive an email just notifying you that it's going to process. And then once the payment drafts on the sixteenth of every month you'll also receive an email receipt for that payment that you've made. So you'll receive two emails regarding this during your payment time.

utterance: OK.

utterance: All right Jill I do wanna let you know that you can also see your loan balance, or make changes to your account or I'm sorry, make changes to your automatic payments, you can also do that through your online banking account if you have access. Do you have access?

utterance: Yeah, I have an online banking.

utterance: OK Jill so I'm also gonna email you over some disclosures and a confirmation for the automatic payment on this account. You'll just basically need to acknowledge that disclosure and that's just saying that you've agreed for us to draft this this money from your account every month. and once I get that sent over to you that should be everything that I need. Was there anything else I could help you with today?

utterance: I don't think so, that's everything.

utterance: All right Jill well thank you for choosing Intellibank, and you enjoy your day.


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

utterance: Hey Mary. How are you doing this afternoon?

utterance: I am doing really well. How about yourself, sir?

utterance: I'm doing good. I'm doing very good. It's It's a sun shining day here in the Philadelphia area of Pennsylvania. Just had a delicious cheese steak. and Yeah. Yeah. You can't go wrong with a nice Philly cheese steak.

utterance: Mm.

utterance: Wow. See. I've never. I've never been to Philly, so I guess I've never really tasted a real authentic cheese steak.

utterance: Yeah. The the the. I'm gonna give you. Like I've traveled all round this beautiful country that we have.

utterance: Yeah.

utterance: And if you ever go into any place and they say order the Philly cheese steak, it's not a cheesesteak. It's not a Philly cheesesteak.

utterance: Mhm.

utterance: Because the. I~. If if they wanna call it a Philly cheesesteak.

utterance: Really?

utterance: Yeah. Because nine. Ninety-nine point nine percent of the time they're putting green peppers on it and mushrooms. Yeah, it's not a true Philly cheesesteak.

utterance: So.

utterance: So, wait a minute. So a Philly cheesesteak doesn't have green peppers on it?

utterance: I mean no. Not actually no. Not normally. Yeah. Yeah.

utterance: Oh. An authentic one.

utterance: Oh, really?

utterance: Really. Yes.

utterance: OK. Yeah. Because I. Well, I understand your pain because I am from Brooklyn, and I am living in Nashville, and although there are some, you know, good pizza spots, it's still not, you know, it's still not New York.

utterance: Yeah.

utterance: So. And I. And you know what, I have been to some Philly cheese steak places here, that are really good, but they do put green peppers on it and they call it a Philly cheesesteak. So.

utterance: Yeah.

utterance: It's.

utterance: Crazy. It's crazy.

utterance: Oh no.

utterance: I don't. I don't understand it. I. You know.

utterance: Yeah, it's weird when it's not like authentic.

utterance: Yeah I I don't I just don't. I always wondered where that came from. It's like a mystery question of life.

utterance: Yeah.

utterance: But. So anyway. yeah. I'm ready to go back and get another one. so I I was driving back from my cheese steak, driving back to to my shop here, and I was realizing like I could not find my business loan statement for the month from Intellibank. cuz I knew my payment was coming up. So, is there any way you could get that for me resend somehow?

utterance: Mhm.

utterance: Right.

utterance: Mhm. Yeah.

utterance: Yeah. Absolutely.

utterance: what is your first and last name?

utterance: my name is Gary.

utterance: Mhm.

utterance: Black.

utterance: OK, Mr. Black.

utterance: And my Social Security number is.

utterance: Oh, actually I don't even need that. But thank you so much for like, you know, trying to help me. I I totally appreciate that. I actually just need your date of birth.

utterance: OK.

utterance: that's February twenty-seventh.

utterance: Mhm.

utterance: Nineteen ninety.

utterance: All right. And what is your PIN number?

utterance: the PIN is two seven nine zero.

utterance: OK. And what is the loan account number?

utterance: Oh. Let me. Hang on. Let me get that for you.

utterance: OK. No problem. Take your time.

utterance: OK. I got it.

utterance: OK.

utterance: All right. That account number is zero.

utterance: Mhm.

utterance: Eight eight six one one seven zero nine.

utterance: OK. OK. So your payment that is due during this paying period. And this pay period will end of the fifteenth.

utterance: OK.

utterance: So it's a thousand dollars.

utterance: OK.

utterance: That you'll owe by the fifteenth. Now, just since I have you on the phone, I'd like to let you know that if you had online banking, you could go ahead and go in and just set up a recurring payment. It'll just automatically come out. You wouldn't have to think about it.

utterance: OK.

utterance: You could go on and like check your balances, you could transfer funds, you'll get really cool emails from us about what's going on in your area. We have like really awesome small business owner seminars that you could go to and most of them are free.

utterance: OK.

utterance: So. what do you think about being set up with online banking?

utterance: Actually, it sounds like a no brainer. Yeah please let's get signed up for that.

utterance: OK.

utterance: All right. Great. All right. What is your email?

utterance: It's Gary Black ninety.

utterance: OK.

utterance: At Gmail dot com.

utterance: And is that a capital G?

utterance: It is.

utterance: All right. All right. Here we go. All right, so, Mr. Black, I sent over a link. You're gonna just read over the information. E sign it and you'll get a welcome email about your online banking and you'll be good to go. and it it'll be so convenient for you. You could even download our Intellibank app to your phone.

utterance: That's great.

utterance: OK.

utterance: If you want and you can do it, you know, if you're on your phone and you're in the car or, you know, whatever you're doing, you can just check it right at your finger tips.

utterance: This sounds like it's going to be a total game changer.

utterance: Yeah. I think you're gonna love it.

utterance: Great. Well thank you so much for your help.

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

utterance: No, that's it.

utterance: All right. Thank you so much for being part of Intellibank.

utterance: Thank you. Thank you.

utterance: Bye bye.


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

utterance: Oh hi Devon that's that's so funny your name's Devon. My my favorite high school teacher was Mr. Devon he he taught biology, he was a very good very good teacher. I I I I enjoyed I enjoyed his classes so it's very nice to meet you Devon.

utterance: Well thank you very much I wish I had your teacher for biology because mine made it like less than enjoyable.

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

utterance: And, what was your name?

utterance: Oh yeah of course, my name is Jordan Maker.

utterance: Jordan Maker, OK Mr. Maker how can I help you today?

utterance: Yeah so I just wanted to update my email, my old email is a little I've I had that one for for for ten years. It's it's it's the same email that, you know, I was I was using when I was young. So I just kinda wanna update it to something a little more professional and I'm hoping that you can maybe help me with that.

utterance: Yes, that is definitely something I can do to help you. We all have those old childhood emails, I'm definitely not proud of mine.

utterance: And could I have your date of birth and your PIN number so I can access your account?

utterance: Yeah my date of birth is December tenth nineteen three and my PIN number is one two three two.

utterance: Got it, PIN number one two three two there is I'm not finding you in our system, is your first name spelt J O R D E N?

utterance: oh see I see where you where you where where there's the problem. So it's J O R D A N.

utterance: Got it, J O R D A N and last name M A K E R. Correct?

utterance: Yes, that's correct that's correct.

utterance: OK, change that all right that was it OK let me just check over your account for a second, give me one second please.

utterance: Things looking good.

utterance: Oh looks like you have a gold card on the way, congratulations that's fantastic. Hope you enjoy that when you finally get it.

utterance: Yeah I can't wait for the for the new higher limit on that card. I've I've heard a lot about it and the the the the bonus for the the gas and the and the and the air miles I really appreciate that that addition to the to the card.

utterance: Oh yes the gold card is our highest esteemed card not many of our clients can you know, reach that but you have at a very early time in your time with us so congratulations and we we thank you so much we really appreciate your business.

utterance: Well that's what they call me, Jordan Maker the mover and shaker.

utterance: That's great.

utterance: so we're gonna, you said we're gonna update your email today?

utterance: Yeah yeah I'm sorry it was just an old email it's it's kinda unprofessional I I don't really need to use that one anymore. I haven't really been using it I've been forwarding those emails from my old email to my new email so I was hoping maybe you can switch it on on your end so I can kinda take out that middle step.

utterance: And just have it directly sent to my new email if that's if that's acceptable.

utterance: Definitely definitely, we can definitely do that for you. can you tell me the email you'd like to replace it with?

utterance: Yeah, so the new email is Jordan dot M as in Maker at Yahoo dot com.

utterance: Jordan dot M at Yahoo dot com.

utterance: Oh I wasn't I wasn't aware Yahoo was still making email accounts.

utterance: Yeah I mean they they've they've upped their they used to be a liability for security and I think that's why a lot of people left.

utterance: But you know I'd like to take my chance. I feel like they're a good company, I feel that that they have they've they've been, they had a good reputation some time ago so I mean that's got to mean something.

utterance: Gotcha, no worries and just waiting for that to save bear with me here, system's down systems have been down all day.

utterance: OK.

utterance: All right we're about half way through saving this information, just bear with me please Mr. Maker.

utterance: All right, there we go is there anything else I can help you with today? As I said before your gold card looks like it should be reaching you within two days and your accounts are all up to date we have is the phone number ending in three two three three still a good number for you?

utterance: Yeah that's fine, that's fantastic.

utterance: All right well is there anything else I can provide for you today?

utterance: No that's all I needed.

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

utterance: Great thanks.