utterance: Hi, thanks for calling Intellibank.

utterance: Hello.

utterance: This is Robert.

utterance: Hello Robert.

utterance: How may I help you today?

utterance: Oh well, my name is Linda Castrone.

utterance: Hi Linda.

utterance: Hello Robert. I am calling for. I am calling for a bit of, of a heavy conversation.

utterance: Sure.

utterance: I need to apply for a loan.

utterance: Absolutely, OK.

utterance: Mhm.

utterance: Do you have an account with us already?

utterance: Yes, I I have a small business account.

utterance: Great, you wanna give me that credit card number?

utterance: Yes, the card number is. Six two three two, four one one, two seven four nine.

utterance: OK, very good Linda, thank you. I just wanna get some real quick security information. What is your date of birth?

utterance: My date of birth is May nineteenth, eight. Nineteen eighty-eight.

utterance: Great and what's the name of your first pet?

utterance: Oh, Cynthia.

utterance: Cynthia, fantastic. OK, so you wanna get a loan today?

utterance: Mhm, yes.

utterance: Is this to, for your Already established business?

utterance: It is, yeah.

utterance: Fantastic.

utterance: Are you the sole owner of that business?

utterance: I am, yeah.

utterance: OK, fantastic.

utterance: And when did you establish this business?

utterance: In, I established this business in nineteen ninety-seven.

utterance: Nineteen ninety seven. OK. Well, you've been going Strong, that's great.

utterance: Mhm.

utterance: It, it was going strong.

utterance: Yeah?

utterance: I've been having a little bit of a rough, a rough patch.

utterance: Sorry to hear that Linda.

utterance: Yeah.

utterance: So I'm gonna need this loan.

utterance: Of course, OK, what is the gross annual sale, sales of your Of your business?

utterance: For a year?

utterance: Yes, gross annual sales.

utterance: Gross.

utterance: Annual sales it would be seven, seven hundred thousand a year.

utterance: OK, very good.

utterance: Mhm.

utterance: All right. So, you are in good standing with Intellibank so, looks like we're good. I do need your tax ID number. It's a nine-digit tax ID number.

utterance: Mhm.

utterance: A nine

utterance: Digit code. For my tax ID?

utterance: Mhm.

utterance: Nine nine nine, eight one, seven four, three two two.

utterance: Fantastic. What is the street address for your business?

utterance: Oh it's fourteen ninety-one Proximany.

utterance: OK.

utterance: Proximany Road.

utterance: That's city state, and the ZIP code?

utterance: Los Holess.

utterance: Los Holess, course.

utterance: Yes, Tennessee.

utterance: Yeah.

utterance: Nine one four three two.

utterance: Course, yes. OK. All right. So what are you looking to get? What, what size of amount of the loan?

utterance: What's available for someone like me?

utterance: Well, right now I think we can get you started out at ten thousand dollars,

utterance: Uh-huh.

utterance: with an interest rate at four percent.

utterance: Four percent?

utterance: Yeah.

utterance: Is that, that's pretty much my only option?

utterance: Well. It depends. I mean we can definitely go bigger. The interest rates will definitely go up.

utterance: Mhm.

utterance: The interest rates will go up with my The bigger the loan.

utterance: The bigger the bigger the loan. Of course.

utterance: What are you planning to do with this loan?

utterance: Hmm, I just, I have several things that I'll need to do. I don't think ten thousand will be enough.

utterance: Well, were you hoping to.

utterance: Well I need to I was hoping to secure something like. Seven hundred thousand.

utterance: Secure.

utterance: Seven hundred thousand, well. Let me see if we can maybe do that, Can't go in, just going through some paperwork here. Well. The interest rate would be at twenty-five percent. Which you know is not.

utterance: Mhm.

utterance: Yeah.

utterance: For a small business loan, that is pretty high.

utterance: It is yeah.

utterance: But You know seven hundred thousand isn't exactly a small business loan, it's another large business loan.

utterance: Right.

utterance: Yeah.

utterance: if you're willing to take on such an account, I I think we could probably push that through.

utterance: You do?

utterance: Yeah, I do think that yeah.

utterance: OK.

utterance: I'd like to go with it. I'd like to go with that loan.

utterance: All right, Linda.

utterance: Well Linda, I'm gonna transfer you to a another person where they will. Take further banking info from you.

utterance: OK.

utterance: is there anything else I can help you with today? Good luck with your business and good luck with paying back this loan. With such a high interest rate.

utterance: Thank you.

utterance: It is high but I have good faith in God and And my business.

utterance: Well. I think you have to, so that's very good, yeah, OK. Hey Linda, is there anything else I can help you with before I transfer you out?

utterance: Yeah.

utterance: Well Intellibank wouldn't give me, wouldn't give me a loan that I couldn't pay back would they?

utterance: No.

utterance: OK, yeah, that should be great then, just can you

utterance: You have a great day.

utterance: OK, you too. Goodbye.

utterance: Take care.


speaker_role: Agent

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

speaker_role: Customer

utterance: Hi Daisy this is George. How's your day going?

utterance: Oh my day is going great George, how about yours?

utterance: It's going good too you know I'm really excited I'm actually looking into expanding my business. so I'm out here I'm trying to get a loan. so could you please direct me to the nearest Intellibank location?

utterance: Sure I'd be happy to give you the branch location closest to you.

utterance: And could you also give me their hours?

utterance: Sure. Sure, location and hours OK. What is the address we're doing the search from?

utterance: it's eight thirty-four Main Street Branson Missouri five five three two four.

utterance: Great. One moment while I run that search. OK the closest location to that address is one sixty-seven Pittsburgh Way. Lobby is open Monday through Friday nine a.m. to five p.m. and Saturday ten a.m. to two p.m..

utterance: Actually you know what Daisy? I'm going there to apply for a loan, but could I just do that over the phone with you?

utterance: Yes sir. You can do loan applications over the phone. what kind of loan are you looking for?

utterance: I'm looking to get a secured loan.

utterance: OK perfect. Let me just pull up that application. What is your full name George?

utterance: George Emory.

utterance: E M O R Y?

utterance: Yep.

utterance: Thank you. What's your address?

utterance: It is sixty-one Bluebird Court. Branson Missouri five five three two four.

utterance: Your social security number?

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

utterance: Thank you. What is your telephone number?

utterance: It's six one two two two nine three nine zero nine and just in case you need it my email is G Emory trades at Gmail dot com.

utterance: Thank you. Is that G E M O R Y T R A D E S?

utterance: That's right.

utterance: Thanks. And what is your driver's license number and the state in which it was issued?

utterance: Z one zero seven two eight nine one one two and it was issued in Missouri.

utterance: And what is your Intellibank PIN number?

utterance: It's sixteen sixty-two.

utterance: Thank you. George what is your business name?

utterance: It's Emory Data Management.

utterance: And are you the sole owner?

utterance: Yes.

utterance: When was your business established?

utterance: December eighteen twenty nineteen.

utterance: What are the gross annual sales?

utterance: Eight hundred eighty-nine thousand and twenty one dollars.

utterance: And what is your tax ID number?

utterance: Seven three nine zero zero one zero two nine.

utterance: Thank you. What is your business' street address?

utterance: It's one fifty-three Pinecone Circle Branson Missouri five five three two four.

utterance: And where would you like your mail to go? To the home or business address?

utterance: let's do the business address.

utterance: And that was one fifty-three Pinecone Circle Branson Missouri five five three two four?

utterance: That's right.

utterance: OK and for your secured loan what would you like to use as collateral?

utterance: my business inventory.

utterance: OK. And what is the purpose for this loan?

utterance: I need to upgrade my servers and some equipment.

utterance: All right and how much would you like to take out?

utterance: Thirty-five thousand dollars.

utterance: Thirty-five thousand dollar loan and what would the loan term be? How many months?

utterance: Thirty-six months.

utterance: OK. That completes the application process. You'll shortly receive an email identifying what sort of business documentation we need. So once you have submitted that supporting business documentation then we will get back to you within three business days with the results of your application.

utterance: OK sounds good.

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

utterance: Oh actually I'm sorry, I do have a confirmation number of this transaction.

utterance: N~

utterance: OK.

utterance: It just takes a minute to pop up. That number is nine nine one seven six two nine.

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

utterance: Anything else?

utterance: Nope that's about it.

utterance: All right have a great day and thanks for choosing Intellibank.

utterance: Thanks bye.

utterance: Bye.


utterance: Hello, thank you for calling Intellibank, this is Jonathan, how may I help you?

utterance: Yeah I think we may have talked before, I I'm not sure if it was you or someone else. But I called the other day and I was asking about the possibility of closing my accounts. And after thinking about it I've decided that I'm gonna go ahead and do it unfortunately. Nothing against you guys, Nothing, you have been fantastic, especially if you were the person I talked to the other day, but the time has come.

utterance: Yes sir it was me, I'm Jonathan and I

utterance: Didn't

utterance: Know if there was more than one Jonathan over there or not.

utterance: No.

utterance: It was it was me. And yes I definitely remember our conversation and I appreciate you for calling us back, and I'm happy that you reached me again so

utterance: Yeah, how many days you working over there, I feel like everytime I call it's you.

utterance: you know I just work the typical five day work week but

utterance: That's good, don't make don't make them do a six. Though that time and a half can be pretty sweet, so forget what I'm saying. Just do it, do that six day.

utterance: Well thank you sir I I apologize though I I forget your name but if you could remind me.

utterance: Oh it's Mark Thompson.

utterance: Mark, yes, thank you.

utterance: See this is why I'm leaving. That was a joke,

utterance: Don't feel bad.

utterance: yeah, I thought that was it but I didn't want to say the wrong name. But yes Mr. Thompson I remember now, But I do have to ask your PIN again and I'm gonna ask your date of birth so if you could give me your PIN please?

utterance: Oh, no problem at all, my PIN is two two three one.

utterance: OK, all right yes that looks good, and just just one more time with your birthday just for the screening purposes.

utterance: that is eleven twenty-eight eighty-one.

utterance: Excellent, so you have made your decision, you are going to close your account, is there anything else you needed before you close your account?

utterance: Yeah I'd like to hear the balances on both of those accounts.

utterance: OK.

utterance: I I don't know if I made this clear when I called originally but I I am gonna close both the accounts.

utterance: Oh, OK, yes. Yeah, I remember that. OK and do you have an account and all the information for where you would like us to transfer these funds?

utterance: Yeah, I opened up an account with Bank of America only because, you know, they got an ATM right down the street. and they gave me a routing number they said that's probably all I need I don't know if that's true or if you need even more from me.

utterance: Yes I'll need the routing number that's correct.

utterance: OK.

utterance: And I will also need your account number.

utterance: OK.

utterance: And also, if you want me to, put both accounts into that account or if you wanted to keep them separate I would need two account numbers.

utterance: Just one account.

utterance: OK great. so yes, you wanted to hear the balances so I'm in your checking account right now. And right now we have a total balance of fifteen thousand, three hundred and ninety-two and seventeen cents.

utterance: OK.

utterance: OK. I'm gonna click over to your savings. and that has a balance current balance of twenty-two thousand four hundred sixty-one and thirty three cents.

utterance: Great. If you don't mind, let's send everything from both accounts over to the new B of A account.

utterance: OK. first of all I will need your routing number.

utterance: That is eight three seven.

utterance: Mhm.

utterance: Four two five.

utterance: Mhm.

utterance: Seven nine eight.

utterance: That's eight three seven, four two five, seven nine eight.

utterance: Yep.

utterance: OK, can I get your account number please?

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

utterance: Excellent.

utterance: About how long is that take to transfer over to the new account?

utterance: well, I know that the funds will be immediately gone from our account, I'm sure it usually takes less than an hour.

utterance: Great.

utterance: to get over there but I won't have that information you're going to have to contact Bank of America, just to verify or or if you want to look it up on your mobile device since you already have an account with them, you'll see that the money has appeared.

utterance: That makes sense.

utterance: If.

utterance: If it does take longer than the day, or two, then please contact us because that would be too long so

utterance: Will do.

utterance: Hopefully we won't run into that issue and we won't we won't have to talk again. And I'm just kidding I would love it if you called back if you ever if you ever would like to come back to Intellibank please let us know but I have made that transfer for you so now your accounts are showing zero. On our end and hopefully they'll be showing up in your Bank of America account shortly.

utterance: Oh thank you.

utterance: Great thank you so much.

utterance: No problem.

utterance: You have a good day.

utterance: Thank you you too.

utterance: Bye.

utterance: Bye.


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

utterance: Hi Jess. I need to speak to a tech specialist. I got something in the mail here and yeah just. Just a little bit curious. on the special that that's being offered. So that's pretty much.

utterance: OK. I'd be happy to help you set up a meeting with one of out tech specialist. Can I start by getting your full name and your date of birth?

utterance: Yes. first name is going to be Cleo and then my nickname is just Cle. Last name is Clemente and my family just goes by that. So Cleo Clemente or Cle.

utterance: We just need the name that's on your ID.

utterance: OK. Cleo Clemente.

utterance: OK, Cleo Clemente and your date of birth?

utterance: Yes. It's going to be zero eight thirteen nineteen ninety-three.

utterance: Eight thirteen nineteen ninety-three.

utterance: Yes.

utterance: OK I'm gonna pull up your account. But can I start by getting your credit card number please?

utterance: one second. I'm sorry.

utterance: Of course.

utterance: Can Can I? Yeah I need to find it real quick. Give me one second.

utterance: All righty. ready?

utterance: Yes, ready when you are.

utterance: OK, we have four eight nine three five five two six. Seven three nine two two two two one.

utterance: OK and just to clarify that's four eight nine three five five two six seven three nine two two two two one.

utterance: Yes.

utterance: OK, Great I'm gonna pull up your account. But before we proceed any further I'm gonna need to verify some security information.

utterance: OK.

utterance: Can I start by getting your pin number please?

utterance: shoot. I'm sorry I've got a lot of accounts. OK. Let's let's try this one. zero four five five.

utterance: OK, yes. That's correct.

utterance: Helping.

utterance: OK. And can I also get the last four digits of your social security number?

utterance: Yes. It's six one nine four.

utterance: OK, great and I'm just gonna go ahead and ask you just a few security questions that you set-up when you created your account.

utterance: OK.

utterance: What city did you meet your spouse in?

utterance: I'm sorry. Yeah. We're we're we're getting a divorce.

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

utterance: no, it's OK. It's kinda why I'm calling. yeah. I just kinda need to get my shit together and yeah. We met in San Antonio.

utterance: OK and what what is your favorite musician?

utterance: Selena. not Gomez. Selena Selena Quintanilla.

utterance: Yes.

utterance: Yeah.

utterance: OK. I'm pulling up your account.

utterance: She's she's up.

utterance: She's up in Corpus Christi. do you know about her?

utterance: yes.

utterance: Do you?

utterance: Yes, actually.

utterance: What's your favorite song?

utterance: I Could Fall In Love.

utterance: Oh, yeah. Fuck yeah. That's great.

utterance: OK, so I have your account pulled up. Thank you for verifying that.

utterance: You wouldn't happen.

utterance: Be married, would you?

utterance: I actually am.

utterance: OK, nice. Nice. The way to go.

utterance: OK. I do have your account up in front of me and you were looking to speak to one of our tech specialist.

utterance: Yeah. I am. I I got this offer here in the mail and and I'm pretty interested. I don't really wanna go into the specifics. But I would like to speak with someone in person if if if that's OK and and and with the tech specialist services. you know. I I am looking to spend around a thousand dollars you know, for something like this. So I guess you can kinda tell me right now if that's something that is feasible or not.

utterance: yes. We have many options. Let me pull up our scheduling system and see who I can get you into speak with.

utterance: OK.

utterance: OK. I am in our scheduler right now. Is there a specific day you were looking to have this conversation?

utterance: Yeah, one second. It's a lot going on with the divorce and let me. Let me check the calendar. yeah, OK. How about next Monday?

utterance: OK. I'm pulling that up right now. Is there a specific time you were looking to have the conversation?

utterance: Morning time. Like maybe ten ten thirty.

utterance: we have one that starts at ten fifteen. Does that work?

utterance: That should be perfect.

utterance: OK, great. I'm setting you up at ten fifteen and did you wanna have that conversation online or by in person?

utterance: We can do online. That's fine.

utterance: OK and is the best place email to reach you at the one on file?

utterance: Which one do you have on file?

utterance: Let's see.

utterance: Lemme I have yeah. I have multiple emails. If it's the one that's. That that's the company email. Not the Gmail. The company email. Then that should be good to go.

utterance: The J G five hundred at Gmail dot com?

utterance: No no no. Not the Gmail, the company one. It should be Cleo at Cleo gets it dot com.

utterance: Yes.

utterance: Yes. I have that one. OK, I'm marking that one as the one you'd like to be contacted by.

utterance: OK, awesome. Thank you.

utterance: OK. So, look Look for an email in your account at that time and we got you all set up. Is there anything else I can help you out with?

utterance: Well I just have a follow up question. if I'm not able to make this particular meeting or whatever will I still have someone like I guess, when does the special end?

utterance: The special ends at the end of the month.

utterance: OK. All right. No, that's fine. That's fine. OK, I'm good to go. Thank you so much you've been a great help.

utterance: Of course, thank you. Have a good day.

utterance: OK, bye.


utterance: Hello, thank you for calling Intellibank, my name is Barry. Happy to help you today. What can I do for ya?

utterance: Hey Barry, I was kind of taking stock of my financial assents here. We got some things on the horizon, you know. Mortgage, car payments, that kind of stuff and, you know, kids tuition so I believe with with your company I think I have a treasury bond and I thought we had the figure written down somewhere but I I can't seem to find it Oh excuse me, so I just thought that I could maybe call in and just confirm the the yield I think is what it's called.

utterance: Sure, sounds like your looking to get you treasury bond yield.

utterance: Yeah, correct.

utterance: Absolutely, I'm happy to help you with that today Just take a couple minutes here, as I take you through our security measures and I'm able to access you account. I will need to start by asking your first and last name.

utterance: Yeah, that is Russell Johnson.

utterance: Russell Johnson. And your date of birth?

utterance: February ninth nineteen eighty-three.

utterance: February ninth nineteen eight three. OK, one moment as our systems update that. They are working just a little bit slow today, let's see. We'll have to wait a moment. These are just security measure we go through to make sure your account is not compromised in any way. We do pride ourselves on that here at Intellibank. And another one of those services we offer is our online banking which some people find a little more secure and that's available at Intellibank dot com or by downloading the Intellibank banking app in the app store for whatever smart phone device you may have and that will give you access to your account twenty-four hours a day seven days a week since the call center is only open eight a.m. to five p.m. eastern time.

utterance: So I could I could get my bond information on the app?

utterance: And.

utterance: Yes sir.

utterance: Even

utterance: Even outside of of of business hours, twenty-four seven?

utterance: Absolutely, there's a number of different features on there You'll see a documents section and in that documents section it'll take you through whatever accounts you have with us be it the credit card account, the checking account, savings account, perhaps you've taken out some loans with us, so you'll find that in your portfolio if you want to inquire about that as well but that is available in our online banking system and those are all in PDF form at your convenience to download. And now that I have reached the next stage of your profile here on my end the servers have taken me to I need your pin number and also the bond type you were looking for. I know that can be a little confusion sometimes, confusing for customers of bond type but what I mean is the time period of the bond that you're inquiring about.

utterance: Type, you needed the bond type?

utterance: You know.

utterance: Yes.

utterance: That that's the length of time? The the year, number of years?

utterance: That is correct.

utterance: OK, yeah. The pin number is nine eight nine seven, and that is a ten year bond.

utterance: nine eight nine seven and it's a ten year bond. Putting that information in now. That will also take just a moment to update and should give me that treasury bond deal in just a minute here or two.

utterance: OK.

utterance: While we're waiting I do want to thank you for being an Intellibank customer, it says here since two thousand and six.

utterance: yeah, it's been a while.

utterance: Yeah.

utterance: Yeah I think I first got, I can't even think God, I don't even remember what I was doing ten years ago. but as I said investments seemed like a good idea, so.

utterance: No worries, no worries, I totally totally understand that. Also, just to clarify because a lot of customers do call in and ask me this and you may now this already, but the treasury bond deal is the amount of the bonds yields return over its life so since this is a ten year bond you are inquiring about we'll find out exactly when that expires and looks like it is letting me in now, OK. Pulling up your bond, I oh I do see two different bonds here. The ten year, OK, the ten year. got it got it got it.

utterance: Right, yeah.

utterance: Yeah, I think it's the only ten year I have.

utterance: so that is set to expire in two thousand twenty-seven the amount, the yield return over its life for that ten year bond looks to be six point four percent.

utterance: OK.

utterance: Now, while I have you on the phone I'd like to ask you if there is any other service I can provide you with today?

utterance: not right now, actually I was inquiring about the yield because it might be a little a little strapped financially right now so I wanted to know what I have on the horizon even if it's in the distant horizon so yeah, sorry, short answer to your question that's no, not right now.

utterance: Totally understand, thank you so much. Thank you so much for calling in as well, and for buying your bond through Intellibank and for being a total preferred checking and Intellibank smart savings customer. We value your business and once again wanna let you know you can call us back any time, or check us out online twenty-four hours a day seven days a week and you have yourself a great evening.

utterance: OK, thanks for your help.

utterance: OK, bye bye.


utterance: Hello and thank you for calling Intellibank. This is Johnathan. How may I help you today?

utterance: Hi. This is Robert Hamilton. My phone number is two seven eight nine nine two zero eight five seven and I'm looking to set up a appointment with the notary.

utterance: OK. We do provide notaries. Do you have an existing account this us in Intellibank?

utterance: Yes. I have an account with you what do you need from me in order to look into that?

utterance: All right. Well, unfortunately I did not get your name the first time around. I was not quite ready to input it into my system.

utterance: So I'm going to once again need your full first and last name as it appears on your Intellibank account.

utterance: All right. My name is Robert Hamilton. R O B E R T. H A M I L T O N. Last four digits of the social nine eight four two if you need that.

utterance: All right. That won't be necessary but I appreciate that.

utterance: The next thing up that I am going to need is your date of birth.

utterance: My date of birth is one twelve eighty-one.

utterance: All right.

utterance: And what is your six digit account number?

utterance: Did you need the PIN as well on that?

utterance: I am gonna need the pin as well. Yes.

utterance: Okay yes I got both here for you.

utterance: one seven two nine two four.

utterance: The PIN is nine six two one.

utterance: All right. Please hold a moment while we pull up your account.

utterance: So how's your day going so far today?

utterance: Not too bad. Yourself?

utterance: Pretty good. Pretty good. Just thought I would take for of this while I have some down time.

utterance: Sorry this is taking so long. Computer running a little slow.

utterance: Not a problem.

utterance: All right. I have your account pulled up.

utterance: What is your ZIP code? So we can find the nearest branch with an available notary.

utterance: ZIP code is going to be two five eight seven nine there should be in Massachusetts.

utterance: Have you ever been to Boston or Massachusetts area?

utterance: I have not.

utterance: Oh. You should definitely go. It's a beautiful town.

utterance: Are you based in the East coast or the West coast? Or are you in the middle flyover states?

utterance: We're in Jacksonville, Florida.

utterance: Oh okay so you are East coast. Yeah I just quick plane ride up North. Take in the foliage.

utterance: All right. So it looks here like we have a branch at sixty-four eighty-nine West twelfth street Is that a location that would work for you?

utterance: Yeah, yeah. Let's go ahead and book that location. That should be OK for me.

utterance: And when were you looking to come in?

utterance: let's go ahead and do two days from now on the twenty-eight. If we could?

utterance: Let me see here.

utterance: All right. It looks like we do have availability on the twenty-eighth.

utterance: What time of day were you looking to come in?

utterance: Let's do the morning. Can we do like a ten or eleven a.m.? Anywhere around there?

utterance: Could you do nine a.m.?

utterance: Nine. Yeah. That should work. That's right in the middle there.

utterance: Not too early for you?

utterance: No. I think that should that should be OK.

utterance: OK.

utterance: All right. It looks like I have you all set for nine a.m.. this coming Monday the twenty-eighth with a notary.

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

utterance: No that was it. I appreciate you helping me out today.

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

utterance: Thank you. You as well.

utterance: Bye.


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

utterance: Hey Julie, how you doing tonight?

utterance: Pretty good, how are you?

utterance: I'm I'm doing great, so, I I'm actually a customer of the bank and I have my own marketing company, online marketing company, and I wanted to find out about applying for a line of credit because I wanted to grow the business some more and upgrade some equipment, and add some more computers, and get some more bodies in the office, and things are really starting to take off, thanks to the whole world of you know, social media and people like to get online and boost their ego, and make fools of themselves, and that's where I come in and I get to market things and while people are making fools of themselves, they buy the products I market.

utterance: Oh, well excellent! Excellent for you!

utterance: . It is very excellent, yes.

utterance: That's great, OK so you said you wanted to apply for a line of credit?

utterance: Yes, please. Yeah.

utterance: OK.

utterance: OK, so I can totally help you with that. We'll get your application going. I do need to ask you a series of questions, do you have time for that?

utterance: I have time, I have answers, and yeah, let's do this.

utterance: OK, perfect. OK, so what is your first and last name?

utterance: My first name is Steve, and the last name is Peterson.

utterance: Mkay.

utterance: OK Mr. Peterson, and what is your personal street address?

utterance: the personal street address is three twenty-three.

utterance: Mhm.

utterance: Overhill Road, and that's in Nashville,

utterance: OK.

utterance: Tennessee, and the ZIP code is three seven oh eight one.

utterance: OK, and your social please?

utterance: The social is two oh two eight five six seven two one.

utterance: OK, and do you happen to have your driver's license number?

utterance: Ow, hang on, lemme get that.

utterance: Sure, take your time.

utterance: OK, you ready? It's two two three oh four seven one six.

utterance: Mhm.

utterance: OK.

utterance: OK, and your PIN number?

utterance: And the PIN is Lemme think. I I know I used my my birthdate. Let me figure out which numbers of the birthdate it is. It's I'm , it's it's one five nine one.

utterance: OK.

utterance: OK, perfect. And what is your email address?

utterance: The email address is J Stevens nineteen ninety-one.

utterance: And is the J capitalized?

utterance: It is.

utterance: OK, and are you the sole business owner?

utterance: I am.

utterance: And what date was your business established?

utterance: April twenty-fifth twenty seventeen.

utterance: OK. What are your gross annual sales?

utterance: One hundred and seventy-five thousand dollars a year.

utterance: Perfect, and do you happen to have your tax ID number on you?

utterance: I do, hang on one second.

utterance: Sure.

utterance: OK, the tax ID number is two three six five seven one eight three one.

utterance: OK, and what is your business street address?

utterance: The business street address is seven six zero four Highland Boulevard and that's Franklin Tennessee three seven two zero one.

utterance: OK, and which address would you like your mail to be sent to?

utterance: Let's send it to, send it to the no let's let's send it to the business. send it to the business address.

utterance: OK, and what is your desired credit credit limit amount?

utterance: forty thousand dollars.

utterance: OK.

utterance: I mean, that that should be plenty to get me some more desk and computers and stuff like that, and you know get to do some business shopping. Shopping's always fun.

utterance: OK, so.

utterance: Yeah.

utterance: Yes.

utterance: even if it's for business or pleasure, shopping in general is just fun.

utterance: Absolutely, you you you got to love shopping, it's like a therapy for some people.

utterance: Yeah.

utterance: It totally is. after having your own business and dealing with some of these employees Yeah, you need your own therapy because you become a therapist for them as well.

utterance: Exactly. So so for the loan purpose, shall we put down more equipment.

utterance: Yes.

utterance: For. OK. OK, and how long do you think you'll need to pay back for a loan, , to borrow money?

utterance: I'm thinking six years.

utterance: OK. OK, so just one more step. we're going to need you to send in some supporting business documentation like business license, your EIN number,

utterance: OK.

utterance: So what I just did was I just sent you a link to your email, click on that link you'll be able to see your file, your application, just upload the documents right to there.

utterance: Mhm.

utterance: OK.

utterance: And we'll be able to get the process started, and it will usually take about forty-eight to seventy-two hours for an answer.

utterance: Mm, that's great, that's it's very simple, so I could be shopping by the weekend.

utterance: Yes, you could. So if any problems with the link, or question, just us a call back though. We're here to help, no problem. And is there anything else I can help you with today?

utterance: No, I.

utterance: Think you've covered all the bases and I hope you allow me to shop.

utterance: All right, well good luck and we'll be talking to you soon.

utterance: Thank you so much.

utterance: Take care.

utterance: Bye.


utterance: Hello, thank you for calling Intellibank, how can I help you today?

utterance: OK hello, my name is Charlene

utterance: Hello.

utterance: And I would like to schedule my one of my credit card payment.

utterance: Sure I can go ahead and help you schedule your credit card payment. first I'm gonna gather some pieces of information from you so I can go ahead and do that for you. first can I get your name and date of birth?

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

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

utterance: my PIN number is three five four six.

utterance: All right, thank you. And can I also get your credit card number?

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

utterance: All right, thank you so much for that. All right, and what is the payment amount for the payment?

utterance: that will be ten thousand dollars.

utterance: All right. And what would be the date that you'll like this payment to take effect?

utterance: it should be from today.

utterance: you'll like it to take effect today?

utterance: Yes I like it to take it effect today.

utterance: So it all payments do require two day minimum today to take effect so the soonest will be two days, is that all right?

utterance: OK, that's all right with me.

utterance: OK. All right, so now I could take the routing number which will be used to make a payment.

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

utterance: All right, thank you. And also can I have the account number in which the payment will be taken from?

utterance: I can't really remember the account number.

utterance: In that case unfortunately I will not be able to schedule a credit card payment because I need the account number. so in order to make a payment or schedule a credit card payment, you will have to go to an in-person branch and provide your ID and they will be able to make the payment for you.

utterance: there isn't there any other way?

utterance: unfortunately there isn't, because I do need that last piece of information for it to go through on my end. So in order for it for that to happen, you'll have to go in person.

utterance: Oh OK, then in that case I have to plan for extra date then.

utterance: Yes unfortunately, yes sorry about that.

utterance: Oh OK, that's that's really a big problem. And how's the weather over there?

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

utterance: Oh it's also warm and sunny over here. It's really great weather, we are enjoying it.

utterance: Yes, and would you like to know about online banking so you can make payments easier in the future?

utterance: Yeah I like to know more about it.

utterance: Yeah so with online banking, you could download our app at the App Store, and you could schedule credit card payments on there easily. you won't have to call someone or go in person to a branch, you could just use online banking and you can make transfers and check deposits and also everything that you do at a branch.

utterance: Oh, that's good to know so it most of the things that will take me to the branch that I can also do it online without having to go to the branch.

utterance: Correct, except for cash deposits.

utterance: So it's only for cash deposits that will only require me to go maybe to an ATM or the branch only.

utterance: Correct.

utterance: Oh so all all the other conditions I can do through the website or mobile app.

utterance: Correct, yes you could do it through our app or the website.

utterance: Oh OK, and what about the security features?

utterance: so security features it's very secure. We require username and password and the face ID if you have a smartphone.

utterance: oh, that's good.

utterance: Absolutely, and did you have any other questions for me?

utterance: No, that was that that that all for now.

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

utterance: You too.


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

utterance: Yes, hi I'm calling to get more information quick liquidity ratio Can you tell? can you tell me what exactly that is and how does that calculate to liquid assets?

utterance: Yes sir. I can certainly help you with more information on that. I can also pull up your quick liquidity ratio for your company that you have with this business afterwards if you don't mind.

utterance: OK. I don't mind.

utterance: All right sir and first of all the quick liquidity ratio it measure your liabilities for your company and it shows whether not and how you can meet your short term obligations just in case you need to Need to pay off any of your liabilities. It's calculated by dividing the value of your company assets by the value of your current liabilities. So normally a good ratio is any number greater than one point oh. Because then it means you can easily meet your current liabilities.

utterance: OK. Sounds great.

utterance: All right.

utterance: All right sir. I'll need to get a little information from you so I can look up your specific business quick liquidity liquidity ratio. If you don't mind.

utterance: No problem.

utterance: All right sir. Can I get your first and last name please?

utterance: Yes. My first name is Gabriel. My last name is Robinson.

utterance: All right, Mr. Robinson. can I also have your date of birth as well?

utterance: Yes. My date of birth is ten twenty-four one nine seven four.

utterance: All right, sir and can I have the pin you've established for your account on file?

utterance: Yes four four nine five for nine.

utterance: OK, sir. To verify that pin number was four four nine five four nine.

utterance: Yes ma'am.

utterance: OK, sir and could you tell me the time period you would like to about for this ratio?

utterance: the past year please.

utterance: All right, sir. Let me go ahead and look that information up for you in our system please.

utterance: OK. Take your time.

utterance: All right, Mr. Robinson. It looks like your quick liquidity ratio for this past year was a good amount. It is listed as two point five percent. I mean two point five. It means that you have two point five times the amount of liquid assets. So that you could actually pay your liabilities.

utterance: OK.

utterance: OK, sir. Would you like the quick liquidity ratio for any other year or time period?

utterance: could I get last quarter.

utterance: Yes, sir. So you want the quick liquidity ratio for last quarter's earnings. Yes, sir. All right, sir. It looks like the quick liquidity ratio for last quarter was one point two five. So again, that is a good number still. That means you have one point two five times the amount of liquid assets that you could actually use to pay off your liabilities.

utterance: Yes.

utterance: OK.

utterance: OK. Well, Mr. Robinson. It looks like you're actually doing pretty good with your company assets.

utterance: OK. Thank you, very much Is there anyway I could look this up myself?

utterance: Oh, yes sir. If your an established client with us and you also have online banking you can actually go online at Intellibank dot com and actually access any of your information through our online banking account You can also use that online banking app. it's on the app store and you can actually pull that up and you can use that on your phone or any other apple products as well.

utterance: OK. So is it easy to use the app you telling me about?

utterance: Yes, sir. At first you'll have to actually download the app onto your phone or your apple device and once you go onto that app. It'll have you establish your information just like you have on file online. on our website.

utterance: OK.

utterance: Yeah But if you use the app you'll be able to authenticate that with your text message alerts and that way you'll be able to just log in. without actually having a pin ready at all the time.

utterance: So I can just use my phone.

utterance: Yes sir. You can use your phone. if your phone is enabled for fingerprinting or you know visual scanning of your face or anything like that. You can use that to authenticate your your app and that way you can have better security on your device.

utterance: OK. Cuz I got the fingerprint on mines.

utterance: OK, sir. Yes you'll be able to use that through our app.

utterance: OK. That's good to know.

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

utterance: let me think. No. I think that will about sum it up.

utterance: All right. Thank you so much sir for your time and your patience. Again my name was Gianna and I hope you enjoy the rest of your day sir.

utterance: Thank you, Gianna.

utterance: Thank you too, sir Bye bye.

utterance: bye bye.


utterance: Good evening thank you so much for calling Intellibank, where customers service is our number one priority. My name is Serena and I'm dedicated to provide you with customer satisfaction. How may I help you tonight?

utterance: I like dedicated. Hi, I'm Matthew, how are you?

utterance: I'm doing great. Matthew was the name of my uncle. So that's a wonderful Association.

utterance: that's a great name and your uncle might and it was probably lived up to that name too.

utterance: He did he did yes. What can I? What can I do for you tonight Matthew?

utterance: Great. Awesome.

utterance: OK, so what I wanna do today is, first of all, I just wanna say thank you so much for the services that you guys have given me.

utterance: Oh, thank you you're very welcome.

utterance: What I want to do is I kinda wanna see what the exchange rate is.

utterance: Mhm.

utterance: I'm also thinking about closing down one of my accounts.

utterance: OK.

utterance: Many accounts do I have up right now? me?

utterance: I can let me just get some information so I can pull up your account information.

utterance: OK.

utterance: Matthew, what is your last name?

utterance: Pool P O O L.

utterance: OK. All right, and Matthew you have a four digit security code associated with all of your accounts, what is that number?

utterance: yeah, the four digits code is one one four six.

utterance: One one four six OK. OK, and can you please verify your date of birth?

utterance: Uh-huh.

utterance: Yes,

utterance: No some just kidding no. yeah it's December fifteenth nineteen seventy-nine.

utterance: Well happy early birthday. It's coming up.

utterance: Thank you.

utterance: It is coming up thank you yeah. I'm planning on making an international trip.

utterance: All right.

utterance: Oh very nice.

utterance: Oh.

utterance: Buddy.

utterance: Look out look out world.

utterance: Look out world look out world yeah.

utterance: OK, so let me pull up your accounts here you have your Intellibank business silver credit card with us.

utterance: That's right.

utterance: You have your business preferred checking.

utterance: You have your smart savings account with us.

utterance: OK.

utterance: And you also have your wealth management account with us.

utterance: OK, so I think what I'm gonna do is I don't need the wealth management account anymore.

utterance: OK. May I just ask you have another source where you're putting your savings and your investments?

utterance: Well, I thought that that I do have a savings. I thought there was a savings, a checking and a wealth management?

utterance: Yes that is correct but your wealth management account is a little bit different it's an it's an investment account. it it's at a higher yield. You also that when you just without you can not withdraw from that until age fifty-nine. without sustaining penalties. That's how you get that higher yield. yes.

utterance: Oh oh OK OK.

utterance: Oh, OK.

utterance: I see all right so I can't do anything so I should just leave that one.

utterance: I my advice would be to just leave it alone because the penalties are up to forty percent. So for this ten thousand dollars that you have in here right now if you withdrew it whatever amount you would withdraw, you would be penalized forty percent of that amount.

utterance: OK, so then why don't we do this why don't we go ahead and take what's in my savings account and put it into my checking and close the savings account.

utterance: OK.

utterance: All right, and may I ask the reason for closing the savings?

utterance: yeah you know I'm just I kind of forgotten about it.

utterance: OK, so it's just a streamline.

utterance: It's just kind of a streamline and I mean I can't do anything about that wealth management account because everything is already going in there. and I can't touch it anyway so I I mean I agree with you it would be stupid for me to take anything out.

utterance: Right. OK.

utterance: Not a problem and I can do I can do I can definitely close that for you and I just had to ask the reason for it. I can transfer it into your checking. However, if you're not too concerned right now in your smart savings account, you have seven hundred dollars. I could also transfer to the wealth management account but just keeping in mind that you wouldn't be able to touch that until fifty-nine. Yeah.

utterance: Oh, it's just the hundred?

utterance: It's at Yeah.

utterance: Oh, OK.

utterance: And what do I have in my wealth management account?

utterance: In your wealth management account, it's at ten thousand.

utterance: OK, so why don't we take the seven hundred and put it in my wealth management.

utterance: OK.

utterance: Close the savings.

utterance: Got it.

utterance: And and then just let me know what the exchange rate is to to to to Eygpt.

utterance: OK. Not a problem. just bear with me one minute.

utterance: Yeah.

utterance: I'm just transferring that seven hundred dollars into your investment wealth management account.

utterance: Mhm.

utterance: All right. That is done the savings account is closed.

utterance: OK.

utterance: And I just sent an email confirmation so you saw so you see the account is closed and the wealth management now has an additional seven hundred dollars.

utterance: Great.

utterance: OK, and then you're looking to see the Egyptian dollar?

utterance: Yeah.

utterance: OK.

utterance: Yeah, that's great. Please check that for me.

utterance: OK, so compared to the American dollar.

utterance: Mhm.

utterance: The Egyptian dollar.

utterance: Mhm.

utterance: Is at one point two five.

utterance: OK great. All right that answers my question.

utterance: OK.

utterance: OK, did you need to do any transfers that way or are you just doing looking to do an overall check?

utterance: I'm just gonna just do this. Do an overall check and just closing that savings account.

utterance: OK.

utterance: But I'm good thank you so much for your help.

utterance: You're welcome Matthew have a lovely evening and thank you for calling Intellibank.

utterance: You too.

utterance: Bye bye.

utterance: Bye bye.


utterance: Hi this is Robyn Forsyth of Intellibank. How can I help you today?

utterance: Hi Robyn. My name is Julie Crane and I apologize in I'm juggling a lot of things right now. asking you know?

utterance: Of course. I definitely understand that.

utterance: So last Thursday I had a talk with my Accountant who told me that we were meeting with our investors next week that I need to get some number it's like a fast to liquid like liquidize my savings or something.

utterance: OK.

utterance: So it sounds like you're calling to find out your quick liquidity ratio.

utterance: That sounds familiar. Yeah.

utterance: OK great. I can go ahead and figure that out for you. Can I start by getting your full name and your date of birth please?

utterance: Sure it's Julie Crane and my date of birth is December seventh nineteen eighty-four.

utterance: OK. December seventh nineteen eighty-four.

utterance: OK Julie. I'm gonna go ahead and pull up your account. Can I start by getting your credit card number on file?

utterance: yeah, sure.

utterance: Ok. My credit card. Credit card Sorry we have so many credit cards even just for this business and it's like I'm swimming in cards.

utterance: Of course. Take your time.

utterance: I think I got it. It's. It should be nine one four seven.

utterance: OK.

utterance: Nine one four seven.

utterance: Seven five four three.

utterance: Seven five four three.

utterance: Two nine zero eight.

utterance: Two nine zero eight.

utterance: Zero nine zero zero.

utterance: Zero nine zero zero.

utterance: OK Julie. I am gonna go ahead and pull up your account but before we can proceed any further I need to get just a few security questions for you for the safety of your account.

utterance: OK.

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

utterance: Yeah, that is three two nine zero.

utterance: Three two nine zero. OK and you answered a security question when you created your account. What High School did you go to?

utterance: I went to Roseto High School.

utterance: OK. Thank you for verifying that information for me Julie. I am able to pull up your account.

utterance: Gimme just one moment to pull up your quick liquidity ratio.

utterance: Great. Thank you.

utterance: OK. So it is currently at a two point five.

utterance: Oh. is is that a good thing or bad thing.

utterance: it's about it's about midway.

utterance: So there's definitely room for improvement but it's definitely not something to be upset about.

utterance: Great. OK. I'm sure the accountant will have things to say to me about that.

utterance: well let me write that down. Two point five?

utterance: Yes.

utterance: OK.

utterance: Is there anything else I can help you out with while I'm on the line?

utterance: Yeah I was told to set up automatic payments on the loan.

utterance: OK. Yeah I can go ahead and help you out with that.

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

utterance: sure yes it's three two nine zero.

utterance: OK.

utterance: And can I get the bank account number that you want the money to come out of?

utterance: yeah I it's well, it it's a checking account under your bank so.

utterance: OK. Yeah that works.

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

utterance: Eight zero four eight?

utterance: Yeah.

utterance: OK. Nine six seven four eight zero four eight?

utterance: Mhm.

utterance: OK and can I also get the routing number on that?

utterance: Yeah. Nine five five zero three one.

utterance: Nine five five zero three one. OK. Great and what day did you want that money to be pulled?

utterance: the first of each month.

utterance: The first. OK. Great and what is the loan account number?

utterance: is there any way you guys can look that up on your end?

utterance: No unfortunately not.

utterance: OK I think I found it. It's one three seven three eight four one nine nine.

utterance: OK, and that was one three seven three eight four one nine nine. Correct?

utterance: Yeah.

utterance: OK great. So I'm putting that into the system now and OK so the first the first payment will be on the first of next month and you should be receiving an email shortly letting you know that you did enrol in our automatic loan payment. do you have any questions?

utterance: No. Thank you.

utterance: OK. Great. Is there anything else that I can help you out with while I'm still on the line?

utterance: no I I think that's all. Thank you so much.

utterance: You're absolutely welcome. OK Julie. You go ahead and you have a lovely day.


utterance: Hello and thank your for calling Intellibank. This is Franklin how may I help you this evening?

utterance: Hi Franklin. I was on the phone earlier and we got we got disconnected and I never received a call back to finish up.

utterance: Oh, I'm very sorry to hear that. I'm not sure whether it was actually me who you spoke with earlier but.

utterance: I don't think

utterance: It was you.

utterance: I can should be able to pick up where they left off. and I am so sorry to hear that we've been having a lot of problems with our phone and banks today and they they have been dropping calls. So I just want to assure you this is nothing you did, this is not your fault. This is absolutely off of the fault on our end.

utterance: OK.

utterance: that's

utterance: Yes.

utterance: OK.

utterance: Thank you.

utterance: And as soon as we log in here.

utterance: Mhm.

utterance: And I pull up your account I'll have your phone number here.

utterance: Mhm.

utterance: So if we get disconnected again I will be able to give you a call right back, and unlike that last person I will give you a call back.

utterance: Thank you.

utterance: All right, so let's get started by getting your full name.

utterance: Mhm.

utterance: First and last as it appears on the account.

utterance: OK. It's gonna be Regina Speckinton.

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

utterance: Mhm.

utterance: My date of birth is September third nineteen eighty.

utterance: Great and I'm going to need to get your social security number.

utterance: Mhm.

utterance: And a state issued ID or driver's license number.

utterance: OK. Social security is going to be one, one, one, three, two four, one, four, one. And the driver's license should be D, seven, one, two, three, four, eight, nine.

utterance: Excellent.

utterance: Thank you.

utterance: All right. And what is the four digit PIN to access the account?

utterance: Oh, one, eight, seven, two.

utterance: Great, OK. I have your account pulled up here so we should be all good to go from this point forward.

utterance: Thank you.

utterance: Great.

utterance: And what was it you that you were calling about today?

utterance: I just I was hoping to get the balance of my credit card the due balance that I have due.

utterance: OK.

utterance: Yeah.

utterance: So it's showing me here that you have two cards with us. You have the Intellibank platinum business credit card. And you have the Intellibank silver business credit card. Which one of those were you hoping to get the balance due on today?

utterance: Mhm.

utterance: Yes.

utterance: The silver.

utterance: The silver. All right. And to do that I'm just gonna need your sixteen digit card number.

utterance: OK. Before I give it to you I'm just. I'm just wondering you know really how you are? Just would really would like to know.

utterance: Oh, I'm I'm doing pretty well. It's you know it's been a trying day here with those dropped calls but You know I I I live to help the customer and when I can't do that it can be very frustrating. But I'm happy to have you on the line and I'm happy that we're going to be able to solve your issue. and get you that credit card balance.

utterance: Yeah.

utterance: Thank you.

utterance: Thank you. I love your commitment to your job and. Yes. Thank you for sharing. The credit card number you are looking for is one, two, four, seven, eight, zero, two, one, one, three, four, two, eight, zero, one, zero.

utterance: Well thank you very much!

utterance: That was eight, zero, one, zero?

utterance: Correct.

utterance: All right.

utterance: And just so you know you can check your balance due on any of your cards any time you would like by going to our online website. At WWW dot Intellibank dot com.

utterance: Mhm.

utterance: Thank you.

utterance: or you can download our Intellibank banking app at any app store depending on what sort of device you have.

utterance: Great.

utterance: All right. Thank you for bearing with me and holding on today. It looks like your card balance due is three thousand eight hundred eighty-eight dollars and fifty-two cents.

utterance: Prefect.

utterance: would you like to check the balance of another card?

utterance: I'll try online.

utterance: Great. Well good luck with our online services and thank you very much for contacting us today at Intellibank. You have a lovely rest of your day.

utterance: You too, thank you.

utterance: Bye.


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

utterance: Hey, how you doing Jerry. I got sent in the mail, it was it was talking about your interest rate. And it look very exciting to me.

utterance: Can you tell me something about that a little bit, please?

utterance: Certainly, I'll be glad to assist you with that sir. I'll just need to pull up your information if I could. What is your first and last name?

utterance: Benjamin Freeman.

utterance: And Mr. Freeman, what is the name of the business?

utterance: Ray's construction company.

utterance: All right, Thank you for that. And Mr. Freeman, I'll just ask you a few questions in order to verify your account. and see if I can pull up what exactly it is we sent you.

utterance: Uh-huh.

utterance: Mr. Freeman, what is the date of birth?

utterance: Three twenty-six nineteen seventy, my phone number is seven seven zero two two zero five eight five nine.

utterance: All right, thank you for that information. I was just about to ask for that. And what is your date of your account number.

utterance: be hang on just let me try to find that. OK.

utterance: Sure.

utterance: OK. are you talking about my complete account?

utterance: That complete, that complete account number is seven nine eight six eight nine one two.

utterance: That's the complete account number.

utterance: OK. And what is your PIN number?

utterance: The PIN number is one seven zero nine.

utterance: OK, thank you. And I see you do have your business total checking account with us. And we were able to verify that Mr. Freeman. And I do see the notice that we sent you here in the mail was regarding your of course offer for being able to take advantage of our lowest interest rates that we've had all year or our lines of credit that we're offering to businesses such as yours..

utterance: And you're able to take advantage of these extremely attractive interest rates. the lowest all year long on loan about or lines of credit or credit limits up to five hundred thousand.

utterance: Oh, that sounds really good. I'm really looking for something in that in that line anyway, matter of fact.

utterance: well terrific. And I mean, I'd be happy Mr. Freeman to assist you with that. If you like, we can take your application right here today. And get a decision for you here in our, pretty short fashion.

utterance: I appreciate that. Thank you.

utterance: Mr. Freeman, I'll just ask a few questions in order to start the process. If I could ask again. What is the name of the business that would be filing for the line of credit?

utterance: Oh, Ray's construction company.

utterance: And what is the, your address.

utterance: Oh, my address is one forty-one Oakwood Avenue, Avondale Estates, Georgia, three zero zero zero two.

utterance: And what is the business address?

utterance: Oh, the business address is thirty-six eighty-eight Lamont Court, Smyrna, Georgia three zero zero eight oh.

utterance: And is the mailing address the same?

utterance: The mailing address is the same, on that that Layman Court, Smyrna, that mail address is the same.

utterance: OK. Could you repeat what that is?

utterance: Oh, that's three six eight eight Layman Court, Smyrna, Georgia three zero zero eight oh.

utterance: And what is your social security number?

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

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

utterance: My driver's license number is zero nine two five eight excuse me five nine eight two two.

utterance: And what state is that?

utterance: It is state of Georgia.

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

utterance: Yes, sir.

utterance: And what is your business email?

utterance: My business email is is B Freeman one at Ray's construction dot com.

utterance: And what is your tax ID number?

utterance: Oh, my tax ID number is zero Oh no, tax ID nine eight three four five six seven eight nine.

utterance: Excuse me, I got a lot of numbers in front of me. I apologize.

utterance: Yeah. Not a problem there Mr. Freeman, I certainly can understand that. It's can be quite something with all these numbers going around.

utterance: You're right, sir.

utterance: But you know, I just I've been taking the timeout watching the Braves. And they've been playing some shown up baseball.

utterance: Indeed, indeed the World Series is been quite exciting this year. I've understand that the numbers are even better this year for the World Series than last.

utterance: Oh yeah. Cuz last year they almost got there then they get knockdown over but this year they got over the hump.

utterance: Indeed, well, you know the Braves are quite quite the interesting team. And and for that matter so are the Astros.

utterance: Oh yeah. Astros have done good too but they weren't my favorite, I'm happy about the Braves.

utterance: Yes sir, yes sir. And Mr. Freeman, if I could just ask. what is the annual gross sales for your business?

utterance: ten million.

utterance: And what is the amount of the line of credit you are looking to apply for?

utterance: five hundred thousand.

utterance: And Mr. Freeman, what is the purpose of for your loan or your application.

utterance: refinancing, mostly refinancing.

utterance: All right, all right. and let's see here.

utterance: Mr. Freeman, if I think we may have everything we need on our end to at least start the process here for you with the application for your line of credit.

utterance: what I'm going to do is go ahead and submit this over to our loan department.

utterance: Our business loan department and they will of course review the application.

utterance: And generally within two to three business days they will reach out to you in order to letting you know what the next steps are.

utterance: OK, that sounds good Jerry, I really appreciate that man. Thanks a lot.

utterance: Not a problem at all. And of course with that being the case, Mr. Freeman is there anything else I coul help you with?

utterance: That'll be all. Thank you so much, it's been hey hey you've been handling things. Thank you Jerry.

utterance: Well no, I appreciate you. we certainly do thank you for considering us for your applying for a line of credit with us. And we do value your business.

utterance: Oh, thank you very much.

utterance: You have a terrific day.

utterance: You too. Bye bye.

utterance: Bye bye.


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

utterance: Hello, Gianna I have several loans with Intel Bank and have been getting a little confused on which date to pay them on. Isn't there a easier way to pay these?

utterance: Yes, sir. We can actually set up automatic loan payments in our system for you. Would you like to do that today?

utterance: Yes, please.

utterance: All right, sir. And you have Intellibank account with us, is that correct?

utterance: Yes, I do.

utterance: All right sir, I'll need to look up a little bit of information on you so that I can go ahead and schedule your loan payment in our system. Is that all right?

utterance: Yes, that's OK with me.

utterance: OK, sir give me one moment while I pull up my screen, it's been going a little slow today.

utterance: Yeah, I hope it will run faster.

utterance: OK sir, can I have your first name please?

utterance: Yes, Gabriel.

utterance: All right Gabriel, can I have your last name, sir?

utterance: Robertson.

utterance: Is that, Robinson? R O B I N S O N?

utterance: Yes.

utterance: Yes.

utterance: Thank you, sir. And could you give me your date of birth, please?

utterance: ten twenty-four one nine seven four.

utterance: All right, that was ten twenty-four nineteen seventy-four. Is that correct?

utterance: Yes.

utterance: OK, sir.

utterance: my social security number, just in case you want it, it is nine fifteen six six seven zero three nine.

utterance: OK sir, I'll make sure I make of a note of that. Thank you very much.

utterance: OK.

utterance: All right, sir. Can I get the PIN associated with that account please?

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

utterance: OK, so to verify that PIN number was four four nine five four nine?

utterance: Yes, it is.

utterance: All right, thank you so much Mr. Robinson could you please give me the loan account number that you would like to schedule these automatic payments for?

utterance: OK. Yeah, hold on. I don't have that right in front of me at this moment let me go get it please.

utterance: Yes

utterance: Sir, I can certainly wait.

utterance: OK.

utterance: Ready

utterance: Whenever you are.

utterance: All right, thank you. .

utterance: OK, I got it here.

utterance: OK, sir go right ahead.

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

utterance: OK, sir again that number was zero zero five nine seven seven six one three one?

utterance: No. It's it's it's actually I gave you the wrong one?

utterance: OK, sir.

utterance: It is let me see if I can get the right one here. And it's zero zero five nine seven seven six one three one. Six one three two.

utterance: OK, sir. It looks like our system actually has the first number you gave us It was zero zero five nine seven six one three one. perhaps you have another loan at a different location that's with that number, sir.

utterance: Oh, yes I got confused. Sorry about that.

utterance: That's all right, sir. It can. Is anyone's mistake.

utterance: OK.

utterance: All right sir, give me a moment while I look up your account in our system.

utterance: All right.

utterance: OK sir, it looks like you have a balance due of two thousand four hundred dollars your normal payment falls on the twenty-fifth of each month and that payment amount is usually around one thirty-eight. how much would you like to set up your payment for, sir?

utterance: can I do just one one fifty or.

utterance: OK

utterance: Sir. We can go ahead and debit out the normal payment that you normally have on here, sir. So you can schedule that payment and it'll automatically come out whatever's due.

utterance: OK.

utterance: OK sir, and what date would you like that on?

utterance: Could I have that on the seventeenth?

utterance: Yes sir, we'll go ahead and schedule for the seventeenth of each month. Could you give me the payment account number you would like this amount debited from?

utterance: OK, the payment account number is four zero nine five five two three one five seven.

utterance: OK sir, that number was four zero nine five five two three one five seven?

utterance: Yes.

utterance: All right, sir. And could you give me the routing number for that account as well, please.

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

utterance: OK sir, to verify that number was five one one three four three six seven eight?

utterance: Yes.

utterance: All right, thank you so much, sir. I'll go ahead and process this automatic loan payment through our system. Again, this will be a payment done every month and since you've already scheduled it for. Before the due date on this month, it will go into effect starting this month, sir.

utterance: All right, thank you.

utterance: So, every month from here on out until this payment has been paid down until you actually change this payment cycle, you will be debited a hundred and thirty-eight dollars from your account around on around the seventeenth of each month.

utterance: All right.

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

utterance: well, that's it.

utterance: All right, sir. I'd like to inform you that if you're a one of our online banking clients, you can also get this information and set up a different schedule for your loan payments online at Intellibank dot com, sir.

utterance: All right, thank you for that information.

utterance: All right.

utterance: Thank you so much, sir my name was Gianna and I hope you enjoy the rest of your day.

utterance: You too.

utterance: Thank you, Mr. Robinson. Bye bye.

utterance: Bye bye.


utterance: Intellibank, this is Judy. How can I help you?

utterance: Hey, Judy, how you doing today? Happy be Thursday.

utterance: Yes! It's almost Friday. Awesome. .

utterance: Almost. Almost.

utterance: But every day's a happy day when we wake up breathing.

utterance: Absolutely.

utterance: This way we can be happy, we can be grateful, we can be thankful, and we could call our local customer service reps of our our our bank that we do our banking with and bother them.

utterance: No, bother at all. Happy to help.

utterance: Well, thank you so I'm actually looking to I'm getting more and more involved in the whole numbers game of my business and I'm learning a lot now more about this whole debt to income ratio and I wanted to see if I can get like the updated you know figures on the debt to income ratio that percentage for this quarter that we're in right now.

utterance: Absolutely. just let me get a couple of questions out of the way. What is your first and last name?

utterance: my first name is Mark.

utterance: Mhm.

utterance: And the last name is Murray. And that's M U.

utterance: Mhm.

utterance: R R A Y.

utterance: OK Mister Murray. And what is your date of birth?

utterance: It's March thirtieth nineteen seventy.

utterance: OK.

utterance: I cracked the big five oh.

utterance: That's amazing, that's awesome but you know fifty is the new thirty so you have a lot lot lot of ways to go.

utterance: I I I like the sounds of that.

utterance: OK so also what is your PIN number?

utterance: the PIN number is three three oh seven.

utterance: OK And.

utterance: Do you need my social?

utterance: no, we I don't need that right now. and what, you said you said the the this last quarter you wanted to know?

utterance: OK.

utterance: the the quarter we're in currently.

utterance: That's the.

utterance: OK, this quarter.

utterance: Yes.

utterance: OK so lemme just look this up. So for your business, it's twenty percent.

utterance: Wow. OK.

utterance: Now did you know that you know the debt to income ratio is the value of your company's monthly debt payments and then you divide that by your gross monthly income?

utterance: Correct, yes.

utterance: Did you?

utterance: OK, so you knew that? Oh, wow. OK so you are?

utterance: Yeah.

utterance: I'm I'm learning this

utterance: Stuff as I'm going along. Like I I was I guess I can say kinda ignorant to this stuff.

utterance: Mhm.

utterance: But I'm really trying to be more of a numbers person in in the whole business game and more of a better owner and to really try to grow my business properly.

utterance: Right, exactly. Because you are are you like the sole owner of the company? Right. So, yeah, that's so important. That's really important and here at Intellibank we have we actually give seminars to small business owners.

utterance: Yes, I am. Yes I am.

utterance: Really?

utterance: On all kinds of topics. You should definitely look into it. I can send you a link to all the different seminars in your area, different business opportunities, you can meet other business owners which would that be something you might be interested in?

utterance: That

utterance: Would be amazing. Absolutely, yes.

utterance: OK.

utterance: What is your email?

utterance: It's Mark Murray nineteen seventy at Gmail dot com.

utterance: Mhm.

utterance: OK.

utterance: OK and is the M capitalized?

utterance: It is.

utterance: OK. All right, so I just sent that over to you. Look that over. It's a great way to meet you know other business owners in your area which is always a good idea to hook up with and you know just have the support of local business. We are so dedicated to small business owners. It really makes us happy to do things like that and most of them are free so that's also a perk.

utterance: Mhm.

utterance: OK.

utterance: That's even better cuz it doesn't add to the debt.

utterance: Exactly. Exactly and just, you know, if you'd like a way to find out the debt to income ratio on your own periodically, instead of calling, there's a website that you can use. It's free to sign up and they also have really great business tips on there. Would you wanna maybe write down that info or OK. Would you rather me just send you the link to it? What's better for you?

utterance: Yeah! Absolutely.

utterance: You know yeah yeah send it over to me this way yeah I have it.

utterance: OK.

utterance: OK.

utterance: So it it's My Financial Goals dot org, just to let you know. And also is there anything else that I can help you with?

utterance: OK.

utterance: OK.

utterance: I'm guessing you know since you're sending me stuff and I'm trying to be a better owner in this whole world of business online banking I'm guessing that should be a better route for me to really dive into as well, to really you know trying to grasp these numbers. This way I can actually look at them a lot more.

utterance: Mhm.

utterance: Yes, I highly recommend online banking. It's really convenient, you can go on twenty-four seven, you can transfer money between accounts. It's it's a great great thing so I'm gonna go ahead and send you the link for that and you can go on. It'll prompt you. It's very, very simple. It's three easy steps to set it up, get it started and there'll be an option if you want to have a card for that of your online banking. We can send you a card and in case you have any questions you can always call us back. We're here until eight p.m. Eastern. But I really don't think that you will. It's it's a great, easy system.

utterance: OK.

utterance: OK. Well, yeah sounds like a plan. Let's let's go that route, as well.

utterance: OK All right, well, Mr. Murray, is there anything else that I can help you with?

utterance: No, yeah, you've done everything I've asked and I really appreciate it.

utterance: All right, have a great day.

utterance: Thank you, you, too.

utterance: Bye bye.


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

utterance: Hi Wayland. I was looking for a notary service. I was wondering is that something you offer or how would I how would I get in touch with one?

utterance: We do offer a notary service. Are you already an existing Intellibank customer?

utterance: Yes. I do have an account. I have my phone number eight zero nine six one four one nine six one if that helps so you can look it up by the phone number.

utterance: Not gonna need your phone number. That's all right. But what I am gonna need in order to pull up your account is your full first and last name as it appears on your Intellibank account.

utterance: All right, so first name is gonna be Matthew. M A T T H E W. Last name Watson. W A T S O N.

utterance: All right. Thank you very much, Mr. Watson. And what is your date of birth?

utterance: My date of birth is gonna be two twelve seventy-nine.

utterance: All right. And I'm gonna need your six digit account number.

utterance: don't have that handy. would you mind if I put you on hold so I can go locate that?

utterance: I don't mind at all.

utterance: Thank you. All right. I was able to locate that info. sorry about the wait there. my child wouldn't stop screaming. it's.

utterance: problem. Oh I hate.

utterance: Kids.

utterance: you don't have kids of your own?

utterance: I do.

utterance: Oh, you do. So you hate everyone's kids except for your own right?

utterance: No, I hate my own kids.

utterance: Oh.

utterance: OK, yeah. me too. So, you hate them but you love them I guess, right?

utterance: No.

utterance: No. OK. So the account number I have here is one seven four two nine two.

utterance: All right and your four digit PIN.

utterance: four digit PIN is two nine six one.

utterance: All right. I've got your account pulled up here. And just gonna need your ZIP code so that we can find the closest branch with an available notary.

utterance: the zip code's nine seven seven six seven.

utterance: All right. We have a branch at five sixty-two Colorado Avenue. Is that a branch that would work for you?

utterance: Yeah. That'll be perfect. That that sounds great.

utterance: All right and when were you looking to set up an appointment for?

utterance: if they have anything tomorrow that would be ideal.

utterance: What Oh well actually our branch is closed tomorrow. It's a Sunday. Could we get you in on Saturday?

utterance: Yep.

utterance: We're closed then too. Sorry. How about a Monday?

utterance: Monday will work. Yeah, let's go for Monday.

utterance: How about this Monday?

utterance: Sure, yeah. That'll work great.

utterance: We got nine a.m. bright and early if that works.

utterance: perfect. Let's do that.

utterance: All right. I got you down for nine a.m. on Monday for an appointment with a notary. Is there anything else that I can help you with today?

utterance: No, that'll do it. I appreciate it and say hi to your kids for me.

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

utterance: All right. You as well. Bye.


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

utterance: Hi. so I am calling because I need little more information on this flyer that I got here. You're always sending them out in the mail.

utterance: Okay. I think you're talking about our risk specialist program.

utterance: Yeah.

utterance: would you like me to go ahead and get you scheduled with one of our risk specialists?

utterance: Sure. Sure.

utterance: Okay. Can I start by getting your full name please?

utterance: Absolutely. First name is James J A M E S. Last name is Slime.

utterance: OK.

utterance: S I. S L I M E. James Slime.

utterance: OK great. And can I also get your birthdate please?

utterance: Absolutely. Zero six zero one nineteen eighty-nine.

utterance: Six one nineteen eighty-nine. OK. I'm gonna go ahead and pull up your account. Can I get your credit card number please?

utterance: Yeah sure. Give me one second.

utterance: Of course. Take your time.

utterance: I actually got the wrong credit card. Give me one second. I'm gonna go get my other that I have on file with you.

utterance: OK.

utterance: OK.

utterance: Hello?

utterance: Hi.

utterance: OK. I'm back.

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

utterance: All righty. I have five one six six one two one one three nine eight two five five four five.

utterance: OK. So that was five one six six one two one one three nine eight two five five four five?

utterance: Yes.

utterance: OK great.

utterance: And then do y'all offer services for lawn mowing companies?

utterance: what type of services are you interested in?

utterance: Well I'm I'm we're doing a little loan thing and. You know. I don't wanna. The points on the loans that y'all are offering are a bit kinda perfect for us so I don't want anything to change but I do wanna see if we could get some better points on the on the auto loans.

utterance: Of course. our risk specialist will be able to walk you through all of those things.

utterance: Yeah.

utterance: OK. And just to be specific, we're kinda expanding the company a bit, and so we're gonna get multiple trucks. And that's why I need to see about the rates and the stuff on the on the auto loans.

utterance: OK.

utterance: so before we can proceed any further can I get some security questions from you?

utterance: Well, before we proceed any further on that I have a follow up question.

utterance: Of course.

utterance: I already have I'm already signed up for one thing. So if if I'm adding a service. Do y'all have any discount programs for adding services?

utterance: usually there's no cost to upgrade your service.

utterance: What about discount?

utterance: there's no current discounts that I'm aware of but perhaps the risk specialist will know something that I'm not.

utterance: OK. well yep. That's all the questions I have so far. What do you need from me?

utterance: can I go ahead and get your pin number please?

utterance: Yes. it's gonna be six six eight six.

utterance: Six six eight six. OK. And now I'm just gonna ask you your two security questions.

utterance: All right.

utterance: OK. What street did you grow up on?

utterance: Oh I grew up on River Oaks.

utterance: River Oaks.

utterance: Yeah.

utterance: OK great. And what was the name of your childhood pet?

utterance: Sues Sues.

utterance: Would you mind spelling that for me?

utterance: Yes. Sues. So S U E S.

utterance: OK.

utterance: S U E S. Sues Sues.

utterance: OK great. Thank you for verifying that information for me. I am able to pull up your account.

utterance: OK.

utterance: OK. So I'm also in our scheduler, so I can get you connected to one of our risk specialist. Is there a specific day and time that you were hoping to speak with someone?

utterance: No. No. I'm pretty much open.

utterance: OK. So we do have quite a few available available appointments tomorrow. Is there a time that works best?

utterance: I would say maybe if we could do around eleven?

utterance: OK. Let me see. We do have one available at eleven fifteen. Does that work for you?

utterance: Yeah. That's perfect.

utterance: OK. So I have you scheduled down for tomorrow at eleven fifteen.

utterance: OK.

utterance: And were you wanting this conversation to happen online or in person?

utterance: We can do online.

utterance: OK great. And what's the best email to reach you at?

utterance: I don't have an email. Can we do phone number?

utterance: Yes.

utterance: OK. Let's do two one two two nine nine two five two two.

utterance: OK. And that's two one two two nine nine two five two two.

utterance: Correct.

utterance: OK great. Is there anything else I can help you out with?

utterance: No ma'am. That should be it.

utterance: OK. Well you are all scheduled so you go ahead and have a lovely day.

utterance: Thank you. You too.

utterance: Thank you.

utterance: Bye.


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

utterance: Yes, I'm needing to order new checks.

utterance: OK I can help you with that. Who am I speaking with today?

utterance: It's Jill Baker.

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

utterance: You can call me Jill that's fine.

utterance: All right Jill so you're wanting to new order order new checks for your business account. Is that correct?

utterance: Yeah it's the business total checking account. We did bonus checks for employees for Christmas and we donated a bunch of money to charity and now we're completely out of checks.

utterance: Aww well that was really really nice of you guys. Jill I do need to get some information from you in order to get this order processed. Can you tell me what your account number is?

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

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

utterance: It's Johnson Controls.

utterance: OK Jill and your date of birth please?

utterance: That's March second of nineteen eighty.

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

utterance: Yeah it's six four seven eight but the PIN that I had before this one that one was six three seven nine. I don't I don't know if you'll need that one or not.

utterance: No I will only need your current one Jill. Thank you for that though. And what city and state are you in?

utterance: I'm in Kansas City, Missouri.

utterance: OK and what is your street address?

utterance: It's one one seven Lake Road and that's Kansas City.

utterance: OK and the ZIP code there?

utterance: Seven three eight two zero.

utterance: All right Jill can I also get your social security number please?

utterance: Seven three eight zero two zero seven eight three.

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

utterance: It's eight three seven two and it's Hillshire Way Kansas City, Missouri eight three six seven two and then my phone number is eight three zero two eight nine two nine nine eight.

utterance: All right thank you for all that Jill. And are you gonna want these checks mailed to your home or your business address?

utterance: Can I just get them sent to the business?

utterance: Yeah we can do that for you Jill. Can I confirm an email for you as well?

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

utterance: All right Jill do you know what types of checks you're wanting today?

utterance: Yeah so it's the standard blue checks and on the form they're check type seventy-three.

utterance: OK and how many checks were you wanting? It looks like we have a book of twenty-five, fifty, and a hundred. And each box comes with three books so you you you'll tell me how many boxes you want and then and then basically well depending on how many you get you'll get three three reams of those.

utterance: OK so can I do like a hundred checks?

utterance: OK so you want to do the hundred checks. How many of those boxes did you want?

utterance: Can I just go ahead and get like ten boxes?

utterance: OK and what check number are you wanting to start these checks at?

utterance: So my last check was one zero zero nine so one zero one zero would be the starting check for that order.

utterance: OK Jill and do you want the business name and address on these checks?

utterance: Yeah can I also add our phone number? And also do you add websites to checks?

utterance: Yeah so Jill I can add your phone and we can add your website to the check but it's a ten dollar ninety-nine cent charge for that.

utterance: Is that like per check or?

utterance: No so it's not per checks it's actually it's actually per ream. So essentially you'd be paying ten ninety-nine for your on top of your order. So it's for however many checks you order and that is just an additional ten ninety-nine.

utterance: OK like let's just do the phone number then.

utterance: All right Jill so what is the phone number?

utterance: It's eight one nine nine zero nine two nine zero zero.

utterance: OK. So Jill I have that order for the ten boxes of a hundred count standard blue business checks. and the total for that is going to be two hundred and six dollars and five cents. Did you want me to take those funds out of the checking account?

utterance: Yeah. Yes please if you can.

utterance: OK give me just a second. I'm gonna place that order for you.

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

utterance: Yes I am.

utterance: Is it snowing where you're at?

utterance: No I I actually have not looked outside yet but it's it's was really cold when I came in this morning but it was snowing yet and maybe now I'm actually not in a position where I can can see outside. so it may be now but I haven't seen it yet.

utterance: Yeah okay yeah they were saying it was gonna start soon and I'm in the same position. I can't see. I'm in my office and I don't have a window. So I was just curious if you if you knew or not.

utterance: Yeah no. Unfortunately I haven't been able to look outside yet. and I actually haven't had any of my coworkers come in and say that it was snowing either. So I'm gonna assume it's probably not yet but I do think it is supposed to start snowing later on this afternoon.

utterance: OK yeah sorry I didn't mean to bother you.

utterance: Oh no it was no big deal at all Jill. All right Jill so I have that everything emailed over to you on that. And I got that processed for the two oh six oh five for those checks. So I'm gonna go ahead and send that receipt to you the email. I think that that's pretty much everything regarding this check order. Would you was there anything else I could do for you today?

utterance: No I think that that's everything. Thank you so much. And you said you emailed me the receipt right?

utterance: Yeah I did. I emailed you the receipt and actually a copy of your order as well to that email address.

utterance: OK thanks. That that should be all I need.

utterance: All right well thank you for choosing Intellibank Jill. Jill and you have a good day.


utterance: Hello and thank you for calling Intellibank. This is Judas How may I help you today?

utterance: Hey Judas. I think I need to talk to a financial advisor. Do you have any of those around today?

utterance: yeah we do. we we can set up an appointment for you. We can't actually transfer you over to someone right now. is that something you would like to do?

utterance: well I was hoping I could talk to someone right now but

utterance: Hey you're talking to me huh?

utterance: Are you the financial advisor?

utterance: I am not.

utterance: Oh. well I mean is it possible for you to like forward me to the financial advisor department?

utterance: I cannot but I can set up an appointment and have them give you a call back.

utterance: That'd be good. Is it possible to be like go into a branch and see one there?

utterance: You can also do that. I can also schedule an appointment for you at a branch.

utterance: You can do my specific branch?

utterance: I can do your specific branch. I can do any branch you would like.

utterance: Oh that's great yes then I'll book one through you but I'd like to go in person.

utterance: OK that is not a problem. I can I get your full first and last name?

utterance: Yep absolutely. My last name is Stagliano and it is spelled just the way it sounds.

utterance: All right Mr. Staglliano and

utterance: My first name is Joseph.

utterance: Joseph let me get your full address. Oh you know? I'm . I'm. Thank you so much but I'm actually for scheduling an appointment I am not gonna need all of that information.

utterance: And my birth

utterance: Date is.

utterance: All right. Well I'll give you my account number then. For my business account.

utterance: I I'm not gonna need that either but if you'd like to give it to me I can take it.

utterance: well then how do you know it's me?

utterance: Well I I it's not really a concern of ours since you're going down to the branch.

utterance: Hmm.

utterance: They'll confirm that when you're at the when you're at the branch with your photo ID. And your card.

utterance: Mhm.

utterance: Do you need any more information from me?

utterance: well I need to get all the information for the actual appointment. so I'm gonna need your full address so I can find the closest branch.

utterance: Mhm.

utterance: How about me just leaving my ZIP code?

utterance: That will do as well but that will bring up multiple branches but if you wanna do it that way that will work.

utterance: Well I just I know the exact branch I wanna go to so. once once I give you my ZIP code it is the second closest one to me. I prefer it over the one that's closer to me because just way more space for parking, way nicer people. Better vibes all around. So my.

utterance: OK.

utterance: Do you happen to have the branches address or their cross streets?

utterance: don't know it.

utterance: You know but if you kinda do that search function and it like shows you the closest one. That one's over there on Washington. It sucks.

utterance: OK.

utterance: Gotcha.

utterance: It's like there's no parking lot parking lot's too small. I mean I really should like go to another department to like file a complaint about the way this whole bank is set up. If that was my only option I would. I'd switch banks you know but I go to a further away bank all the way down in el Segundo because the parking lot's better, you know, the vibe's better like it's to turn in like you know cross town traffic.

utterance: So that would be our el Segundo branch then that you're looking?

utterance: Yes.

utterance: Yeah, yeah. I don't know the ZIP code for El Segundo but yeah I'm sure I think it's the only one there and I've I've .

utterance: All right.

utterance: Let me see what I can do here. All right. Yeah we only have one branch in El Segundo.

utterance: Mhm.

utterance: that's the branch you'd like to go into?

utterance: Yes please. Much better than than the one over on Washington.

utterance: all right. They have some availability on Wednesday of this week. Would that work for you?

utterance: Mm I mean is there anything you have tomorrow cuz this works better tomorrow? Tuesday.

utterance: Let's see. We only have one appointment left for Tuesday and it is four-thirty p.m.. Would that work?

utterance: Mm no. What about man wanted to do this soon. What about Thursday?

utterance: yeah Thursday is open all day.

utterance: OK and I I can go in and meet with them there face to face? I don't want to have to like wait in a line because I'm scheduled.

utterance: Correct how would eleven a.m. on Thursday be for you?

utterance: you said most of the day's free right?

utterance: Most of the day yes.

utterance: Well I'd much rather be like right after lunch you know like around two p.m. two thirty p.m. something like that.

utterance: OK.

utterance: We have a two thirty.

utterance: Two thirty?

utterance: Mhm.

utterance: That's be perfect.

utterance: All right so I have you down to meet with a financial advisor at our el Segundo branch at two thirty on Thursday.

utterance: Excellent.

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

utterance: that's it.

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

utterance: You too.

utterance: Bye.