utterance: Good afternoon and thank you for calling Intellibank. My name is Clavis. How can I help you?

utterance: Hey Clavis. Tom Cruise here. I just wanna talk about small business loan for my business.

utterance: OK Mr. Cruise. what would you like to know?

utterance: Well I just own a car detailing business and looking to expand a little bit and just trying to figure out this you know small business loan or a secured loan. One or the other. What's a secured loan, by the way?

utterance: A secured loan is a loan where you have to put up something for collateral just in case you might unfortunately default on your loan.

utterance: Sure. I get that.

utterance: how about I just log into your account see exactly what we're working . Can I get your social security number?

utterance: OK, go ahead.

utterance: Yeah, go ahead.

utterance: Sure thing. Two eight five two one two eight five.

utterance: And your PIN number?

utterance: Three three two three.

utterance: Three three two three. All right. Well your account looks really good.

utterance: OK.

utterance: so did you just want information about the loan or do you actually wanna apply for the loan?

utterance: no. Just give me some information then I'll I'll you know juggle that and see what's going on.

utterance: OK. Well yeah that's the secured loan. You'll have to put up something of equal value as collateral. The going insurance right now is at five point seven percent so it's definitely a good time to get in the market for a loan. we have options that go all the way up to seventy-two months of repayment. And let's see here.

utterance: I'm sorry. This is a secured loan or a small business loan?

utterance: Mm both. It's a secured small business loan.

utterance: Gotcha.

utterance: Yes. So would you like to actually apply for that loan?

utterance: OK, sure. Let's give it a shot.

utterance: All right. Just gonna need a little more information from you.

utterance: OK, go ahead.

utterance: Can I get your address?

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

utterance: All right.

utterance: Nine zero zero three six is that what I'm sure you're gonna ask for next.

utterance: ZIP code.

utterance: ZIP code.

utterance: Just gonna need your Social Security number again.

utterance: yeah. Two eight five two two four eight four eight.

utterance: And I'm just gonna need your driver's license number as well.

utterance: yeah. California issued you know. let's see here. Two eight five eight two three four.

utterance: Got it and can I get an email?

utterance: Tom Cruise at Gmail dot com.

utterance: All right and what's the name of your business Mr. Cruise?

utterance: car detailing like I said earlier.

utterance: It's just car detailing?

utterance: Yeah yeah. Tinted windows, stuff like that.

utterance: OK and are you the sole owner?

utterance: I sure am.

utterance: And what's your establishment date?

utterance: May fourth two thousand.

utterance: May fourth two thousand. And your gross annual sales?

utterance: Oh right at about a hundred and fifty grand.

utterance: A hundred and fifty. can I get your tax ID number?

utterance: Yup. One four eight two five.

utterance: Four eight two five. All right and what's the address to the brick and mortar building of your business?

utterance: that same number that same Wilshire address. Sixty-three hundred.

utterance: All right and what's your mailing address?

utterance: Same. Send it right there.

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

utterance: Well we're just gonna do a little bit of supply, inventory and add on you know. Stuff like that.

utterance: OK. And how much are you looking for?

utterance: Just about ten grand which which I'll put ten ten percent down.

utterance: OK. And are you gonna go for the full seventy-two months?

utterance: Yeah that's good. We can do that.

utterance: All right. Just one second while I put this loan through. It's processing. All right. Well it looks like you were approved.

utterance: Oh fantastic.

utterance: you'll be getting an email shortly detailing everything we just discussed here. it'll have everything you need to know about your loan. How to access it, how to make your payments.

utterance: OK great. You can just send that over to Tom Cruise at Gmail dot com and I'll look it over and you know everything sounds great and I really appreciate all your help.

utterance: All right. Well is there anything else that I could do for you today, Mr. Cruise?

utterance: No I don't think so. I think that's just about it. you know. I love banking with Intellibank. I bet you guys do a hell of a job.

utterance: Well thank you very much. I just wanna say I I very much appreciate you calling us today and I look forward to serving you again in the future.

utterance: Look you're going to. You know I've been doing business with you guys for two decades and it's just a you know. You know how to treat a small business. You know you're not like one of these big banks.

utterance: Well thank you. That's excellent to hear. And you enjoy the rest of your day Mr. Cruise.

utterance: Hey you know what? Right back atcha.

utterance: All right. Bye now.


speaker_role: Agent

utterance: Hey there, my name is Aqua, and who am I speaking with today?

speaker_role: Customer

utterance: Hello Aqua, I'm I'm Ricky. What a unique name.

utterance: Thank you so much, Ricky, and you're calling Intellibank, as you know.

utterance: I do, yeah.

utterance: How can I be of service today?

utterance: Well I already have a checking account with you guys, but I'd love to open up a a savings account.

utterance: OK, great. We can help you out and open that savings account. And let's go ahead and do some quick intake information.

utterance: What is your last name Ricky?

utterance: Gervais.

utterance: Ricky Gervais. Big Fan.

utterance: Mhm. Thank you.

utterance: And could I get your mailing address?

utterance: yeah it is six zero three South Wilshire Boulevard, Los Angeles, California, nine zero zero three six.

utterance: OK, great, and can you confirm the last four of your social?

utterance: yeah. Three three two three.

utterance: And do you have your driver's license on hand?

utterance: let me go grab my wallet.

utterance: Mhm.

utterance: Put you on hold real quick.

utterance: Sure thing.

utterance: All right, so are you still there?

utterance: Still here, can't leave.

utterance: Sorry my.

utterance: Kids were playing with my wallet.

utterance: No problem.

utterance: you needed what number?

utterance: Let's try your driver's license number.

utterance: OK, it's nine zero four.

utterance: Mhm.

utterance: Nine nine two.

utterance: OK, great. All right, and how about your email address?

utterance: Tasty cones at Gmail dot com.

utterance: Tasty Cones. OK, great. And is your checking account, looks like it's a business account. OK.

utterance: That's correct.

utterance: Great. And would you like to open a business savings account as well?

utterance: yes, please.

utterance: OK, sounds good. And then what's your PIN number for your account?

utterance: three three five three.

utterance: OK, great. Would you like to keep that for your savings account as well?

utterance: Yes, please.

utterance: All right. Sounds good. I'll go ahead and get that started for you, and for your business savings account, did you want to go ahead and transfer some funds from your checking account?

utterance: yes, please. How about, what do you suggest?

utterance: I would suggest maybe transferring our minimum of three hundred dollars on over. If you do so the monthly service fee of twelve dollars will be waived. Would you like to go ahead and transfer three hundred?

utterance: sure.

utterance: OK, I'll go ahead and get that started for you, and just make sure your account always has a minimum of three hundred, so that you won't be charged with that service fee.

utterance: OK, great.

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

utterance: Yeah, could you talk to me a little bit about the Platinum Card?

utterance: Sure. So, the Platinum Card earns you cashback. the interest rate is eleven percent. and it will also earn you some sky miles on your travels. That's right.

utterance: Oh fantastic.

utterance: Well, could you email me all of that info, that you just said?

utterance: Sure thing, I'll go ahead and email you all that information and I'll email you an application to the Platinum Card as well.

utterance: but could I put you on hold one more time?

utterance: Go for it.

utterance: Hello?

utterance: Hey there.

utterance: OK, I'm so sorry. Thanks for all your help. I think I'm gonna look into that stuff and I appreciate it.

utterance: All right. You betcha. My pleasure assisting you.

utterance: Take care.

utterance: Bye.


utterance: Intellibank. This is Ruby. How can I help you?

utterance: Hey Ruby. How are you?

utterance: OK. How are you today?

utterance: I'm I'm doing good, just a little confused. I got a a notice in the mail today said I'm getting a rate increase and I'm a little confused. I didn't understand why the rates were going up.

utterance: OK.

utterance: OK. I can totally help you with that. What is your first and last name?

utterance: OK. My first name is Steven and the last name is Williams.

utterance: OK.

utterance: OK, Mr. Williams. And what is your date of birth?

utterance: March twenty-six nineteen sixty.

utterance: OK, and your PIN number?

utterance: The PIN is three two six six.

utterance: Mhm.

utterance: OK. Perfect. OK lemme just take a look at the notes like the notices that you we sent out to you. Just gimme one second. Lemme see what that was about. Last noticed mailed. Mm. OK, yeah. So that's just kind of like a heads up that we like to give you. Letting you know by the end of the year rates will go up. It's just, you know, so you know it's coming. So It's not yet. Like you have about four months to until that increase happens. It's not immediate.

utterance: OK.

utterance: So i~

utterance: So in other words, it's just kind of like it. I mean you guys haven't raised your rates in a while so I'm guessing it's a. It's time they just catch up with with with all the other rates then.

utterance: Yeah. I mean yearly, we do usually raise the rates and so new year will be up then. And then, like your rate will go up a little bit.

utterance: OK.

utterance: And that's it. So.

utterance: I there's no disputing that. I can't win that one. but but another issue, and actually the main reason for my call. So I actually. I have a small business, and we decided to downsize the business. And I was able to move into a smaller space that actually has an apartment in the building. So I have a two-in-one deal.

utterance: Wow. That's really awesome.

utterance: Yeah.

utterance: Yeah, it's great. So now I I I literally am married to the job and can't escape it. So I may need to update my street address on my account you know to make sure I get all my statements and and billings and business paperwork and and and my you know rate increase increases and stuff like that.

utterance: OK.

utterance: OK yeah. do you. Well, we'll talk about. I have a little a little proposal for you after this, but we'll talk about that after we update your address. So what is the new street address?

utterance: OK, the new street address is seven one zero zero Pine Street.

utterance: Mhm.

utterance: OK.

utterance: OK. And that's P I N E?

utterance: Yeah.

utterance: Yes.

utterance: OK.

utterance: And that's Philadelphia Pennsylvania one nine one one seven.

utterance: Mhm.

utterance: OK.

utterance: OK.

utterance: OK. I'm sorry, was that one nine one seven?

utterance: No, one nine one one seven.

utterance: Oh.

utterance: I'm sorry. I'm so sorry. OK I got that. OK, so it's seventy-one hundred Pine Street?

utterance: It's OK.

utterance: Yes.

utterance: Philadelphia, Pennsylvania One nine one one seven.

utterance: Mhm.

utterance: Correct.

utterance: OK. All right. Let me just fix that. OK. So what I wanted to let you know is if you had online banking, you could do this yourself and you don't have to worry about snail mail. You don't have to worry about paper trail. You can have everything you need right at your fingertips. You can even download our Intellibank app on your phone. So it would make it so much more convenient for you. You wouldn't have to call and talk to me. or any year, huh?

utterance: Well, that that.

utterance: That part I I don't mind at all.

utterance: Aww, thank you. does that sound like something you might be interested in?

utterance: I I mean, I'm I'm guessing I really need to get with the the modern era, and and move forward with this. I'm also. Like lemme like ask you this. Honestly, I'm guessing do you think it's like more than maybe sixty percent of your customers now use online banking?

utterance: Oh yes, absolutely. I'd say eighty.

utterance: Oh wow.

utterance: Honestly, it's like eighty percent. What kind of business do you have?

utterance: OK.

utterance: it's a collectibles business.

utterance: Nice.

utterance: Yes.

utterance: OK well, I think I think that you would only benefit from it. I mean you can try it. If you don't like it, you can always go back to the old way.

utterance: OK.

utterance: But.

utterance: All right. Well let's like I like let's like move forward and make it eighty-one percent of your customers.

utterance: OK so what I'm gonna do is I'm gonna email you a link. So what is your email?

utterance: OK. It's Steve Williams nineteen sixty at Gmail dot com.

utterance: OK.

utterance: Mhm.

utterance: Is that a a capital S?

utterance: Yes it is.

utterance: OK. OK so I just emailed you the link to set up your online banking.

utterance: OK.

utterance: It's really really really simple. Honestly you won't feel like a dinosaur. You won't feel old school. It's really really really simple and in case you do have any questions, please feel free to call us back.

utterance: OK.

utterance: We're always here for you. So yeah, just check your email and that one out to you. And is there anything else that I can help you with?

utterance: That seems to be everything.

utterance: OK. All right, Mr. Williams. You have a great night.

utterance: Thank you, you too.

utterance: Bye bye.


utterance: Good morning Intellibank, this is Amanda, how may I help you?

utterance: Hello this is Jennifer Johnson, I have a business checking account there I do most of my business transactions with my credit and debit cards, but recently I've had some issues with fees. Not with my bank but some of my vendors are charging me fees just to pay with my credit or debit cards. I wanted to see if there's anything the bank offers that can help me with that.

utterance: OK sure let me take a look at your account and see what all that we have and what you have and see what we can offer, OK?

utterance: OK thank you.

utterance: OK, and what is your full name and your date of birth?

utterance: It's Jennifer Johnson. My birthday is eight six two thousand.

utterance: OK great, let's see do you know your account number?

utterance: Yes, I do.

utterance: OK, and what's that number?

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

utterance: OK, that's eight zero zero six six nine three one two?

utterance: Yes, that's right.

utterance: OK, could you verify the address on the account for me?

utterance: Yeah, it's four nine eight one East Road Lewisburg, West Virginia two four nine oh one.

utterance: OK, that's four nine eight one East Road, Lewisburg, West Virginia two four nine oh one?

utterance: Yes, that's right.

utterance: OK, do you know which credit card that you have with us right now?

utterance: Yes, it's the Intellibank Business One card.

utterance: OK, do you mean the Intellibank Business Gold card?

utterance: Yeah, sorry I was thinking of my other credit card.

utterance: OK, that's OK. OK well with the Business Gold card, that's actually a really good card that we have so that shouldn't be causing you any fees from vendors on our end. so do you happen to have any checks with us?

utterance: No, I didn't sign up for anyone out of my account.

utterance: OK well, I would suggest ordering some checks, because usually vendors only charge fees when using a debit or credit card, but not checks.

utterance: OK, how much are they?

utterance: OK, we'll see. looks like you are currently signed up for our Intellibank Business Preferred checking which comes with a book of fifty checks a month for fourteen ninety-nine and you can order additional books if you want to.

utterance: OK, I think right now I'll just order the book of fifty.

utterance: OK, no problem.

utterance: You said that was fourteen ninety-nine, right? How much for the additional book of checks?

utterance: OK, yes, the first book of fifty is fourteen ninety-nine and each additional book of fifty is nine ninety-nine. Or you can order additional books of one hundred for eleven ninety-nine, which is a better deal if you think you need that many.

utterance: OK, I'll go with the first fifty for now and see how that goes.

utterance: OK, great. Let's see could you verify the PIN on your account for me, please?

utterance: Yes, my PIN number is five six three seven.

utterance: OK, thanks. And what is the name of your business that you want on your checks?

utterance: Jennifer's Rustic Decor and Crafts.

utterance: OK, Jennifer's Rustic Decor and Crafts. All right and what's the address that you want on them?

utterance: four nine eight one East Road Lewisburg, West Virginia, two four nine oh one.

utterance: OK, that's four nine eight one East Road Lewisberg, West Virginia Two four nine oh one?

utterance: Yes, that's right.

utterance: OK, and would you like your phone number to be listed on your checks?

utterance: Yeah, sure.

utterance: OK, and what is your phone number?

utterance: Three zero four six six five five nine two two.

utterance: OK and is your business address the same address that you want your chicks or your checks shipped to?

utterance: No, I want them shipped to my home address.

utterance: OK, and what is the street address?

utterance: It's four nine one Blufill Road.

utterance: OK and what's the city?

utterance: Lanford.

utterance: OK and the state?

utterance: West Virginia.

utterance: OK and what's the ZIP code?

utterance: Two four nine six two.

utterance: OK Jennifer I have you all set up to receive your first fifty business checks. Is there anything else that I can help you with today?

utterance: I think I think so. Sorry, my kids are being loud and running around, it's hard for me to think.

utterance: that's OK I know all about that. So Is there anything else that you need?

utterance: No, I think that's it.

utterance: OK well, you have a great day, Jennifer.

utterance: You too. Thanks so much.

utterance: All right, bye bye.

utterance: Bye.


utterance: Good morning. Thank you for calling Intellibank. My name is Charlotte and how may I assist you today?

utterance: Hey Charlotte. I'm calling from Capital Corp and I'm needing to make an internal transfer, please.

utterance: I'd be more than happy to assist you with that today ma'am. May I have your full name as well as your date of birth please?

utterance: Yeah sure. This is Emily E M I L Y Gomez G O M E Z. And my date of birth is June the twenty-first, nineteen eighty-six.

utterance: Thank you, Miss Gomez. I have your last name spelled G O M E Z and your date of birth June the twenty-first nineteen eighty-six. Was that correct?

utterance: Yes ma'am.

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

utterance: Yeah oh my gosh, I'm so embarrassed. We just changed that and I actually left that information in the other office. Could you possibly hold for just a second while I run and grab that?

utterance: That's no problem what so ever Miss Gomez. Just let me know whenever you're back.

utterance: OK. Great. Thank you, Charlotte. Just one second.

utterance: OK. Charlotte, I'm back. Are you still there?

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

utterance: Yeah. Sorry again about that. our pin number is one ninety-two fifty-four twenty-one.

utterance: Thank you so much. I have one nine two five zero four two one.

utterance: Yes ma'am. That is correct.

utterance: Thank you so much. All right may I have the account number that you would like to withdrawal the fund from today?

utterance: Absolutely that's going to be from our savings. And that savings account number is nine three five nine six nine nine nine six eight.

utterance: Thank you Miss Gomez. I have that account number as nine three five nine six nine nine nine six eight.

utterance: Yes ma'am that is correct.

utterance: Thank you Miss Gomez. And may I have the account number that you would like these funds deposited into please.

utterance: sure. That one's going to be into our oh oh my goodness I can't think of what you call it. Pretty much the stock market account.

utterance: Oh OK ma'am. Were you referring to the wealth management account?

utterance: Yeah I'm sorry it's been so hectic today. But yes the our wealth management account. That account number will be two four nine zero eight six eight one eight seven.

utterance: Thank you so much Miss Gomez. And that's not a problem whatsoever. Just to double check I have the wealth management account number as two four nine zero eight six eight one eight seven. Was that correct?

utterance: Yes ma'am it sure is.

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

utterance: we're going to transfer over eighty-five hundred dollars.

utterance: All right so eight thousand five hundred dollars even.

utterance: Yes ma'am.

utterance: Thank you. Just one moment while I get this processed.

utterance: OK great. Thank you.

utterance: All right Miss Gomez I do have that eight thousand five hundred dollars transferred from I'm sorry from account number ending in nine nine six eight. And I have that deposited into the account number ending in eight one eight seven. Was there anything else that I could assist you with today?

utterance: yeah could I go ahead and check on the balance for our for our wealth management account?

utterance: I'd be more than happy to assist you with that Miss Gomez. And will that be the account number ending in eight one eight seven?

utterance: Yes ma'am. It sure is Charlotte.

utterance: All right. Just one moment Miss Gomez. OK. I'm showing this balance as four hundred and fifty-nine thousand eight hundred twenty-six dollars and eleven cents.

utterance: OK. Four fifty-nine eight twenty-six eleven.

utterance: That is correct. Was there anything I could assist you with today ma'am?

utterance: Yeah let's go ahead and just double check on the balance in the on the I'm so sorry. I'm so tongue-tied today. Could I get on the balance of the account ending in nine nine six eight? That savings account.

utterance: That's not a problem whatsoever Miss Gomez. Just one moment. Miss Gomez I'm showing that balance is six thousand two hundred nine dollars and fifty-nine cents.

utterance: All right. Sixty-two oh nine fifty-nine?

utterance: That is absolutely correct. Was there anything else I could assist you with today?

utterance: No ma'am. Charlotte, you have been an angel today. Thank you so much for your help.

utterance: And thank you Miss Gomez for calling Intellibank and have a wonderful day.


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

utterance: Yes, I wanted to apply for a secured loan please.

utterance: All right, I can help you with that. Who am I speaking with today?

utterance: It's Jill Baker.

utterance: And do you prefer I call you Jill or Miss Baker?

utterance: You can call me Jill.

utterance: All right Jill. So you want to apply for a secured loan. Is that correct?

utterance: Yes. Can you kind of explain that loan to me?

utterance: Yeah. let me see. So, to kind of explain the secured loan and how it works our secured loans require some sort of collateral be provided. that collateral acts like a safeguard for the term of the loan and if for some reason you were to default on that loan or or reach some kind of a, a of, an issue with the loan, then whatever you have put up as like collateral, that can be repossessed by the bank. So, the loan will be set as a term, you can choose, there's actually a couple different terms that we have. anywhere from ten years to thirty years so there's a couple a different term options, and then again, your interest rate kinda varies on that.

utterance: OK. So does the collateral have to be valued at a certain amount?

utterance: Ya, so generally require that whatever you are using as collateral, that it be valued at the same amount or, or more than the loan you are trying to apply for.

utterance: OK. So what is the interest rate for the secure loan?

utterance: So for the secured loan the interest rates vary from about nine point nine percent to twenty-four percent. That rate is determined by a variety of factors including your credit report the amount you're borrowing, the term of the loan, and just the reference of your, of your financial records and financial situation.

utterance: OK. So, would the time loan be better to do then?

utterance: A are you asking about the term loan Jill? I think you said time loan but it's actually a term loan. It really depends on what the amount is that you're trying to borrow and what length of the term you're trying to choose.

utterance: So, Oh. I guess it, I guess then that it would probably be better to do the secure loan, since I have something to put up as collateral.

utterance: Yep. OK. Yeah. If that's what you want to do. Do you want to apply for that today?

utterance: I do Yes I I do.

utterance: OK Jill, do you have an account with Intellibank?

utterance: yes I have a business account with you.

utterance: All right Jill. So what I'm gonna do is, I'm gonna get some information from ya. If you can just bear with me for a few moments while I ask you a couple a questions.

utterance: OK.

utterance: OK Jill. What is your account number?

utterance: My account numbers three four six zero two nine nine eight.

utterance: All right. And what is the name of the business?

utterance: It's Johnson Controls.

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

utterance: March second of nineteen eighty.

utterance: OK. And it looks like your account has a four digit PIN number on it. For security purposes can you share that PIN number with me as well?

utterance: It's six four seven eight.

utterance: All right. And what city and state are you in Jill?

utterance: I'm in Kansas City, Missouri.

utterance: And what is your street address?

utterance: Mine is five three nine Hughton Road.

utterance: OK. And what is your ZIP code there?

utterance: Seven three eight two zero.

utterance: OK. Thank you Jill. And I also need your social security number, I'm sorry I'm a little tongue tied there.

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

utterance: OK. And what is your drivers license number?

utterance: Can you give me just one second so I can grab my wallet, give me just a second second?

utterance: OK.

utterance: Oh, I've got it, OK. So, it's Imosen Marry, nine three seven zero zero two zero zero.

utterance: OK. And what is the state that that license is out of?

utterance: It's in Kansas, I live in Missouri, but it's in Kansas.

utterance: OK, that's not a problem. Jill, let me ask you, are you the only owner of the business?

utterance: Yes, I'm the only owner.

utterance: OK. And when did that business open?

utterance: It opened October nineteenth of two thousand and fifteen.

utterance: OK. Just gonna ask you a couple financial questions here. Do you know what your business grosses annually?

utterance: I think last year we made like four hundred and twenty thousand I believe.

utterance: OK. And what is your tax ID number?

utterance: My Missouri tax ID is seven three eight eight two nine zero.

utterance: OK. And I just want to verify real quick, that that's Johnson Controls with an S, correct?

utterance: Yes, that's right it has an S.

utterance: OK. And what is the address for your business?

utterance: It's eight three seven two, Hillshire Way. And that's Kansas City. Missouri. Eight six seven two.

utterance: OK Jill, can I confirm an email for you as well?

utterance: Yes, so it's J Baker. J as in Jill Baker at Johnson Controls dot com. And then my phone number that's eight one six nine zero nine three eight nine zero.

utterance: OK. Thank you for that Jill. And where do you receive your mail from Intellibank at? Do you receive that at your home address or your business address?

utterance: You could you can send everything to the business address that's fine.

utterance: All right. And Jill. Can I ask you what this loan is going to be used for today?

utterance: Basically I'm just trying to expand my business. I want to purchase some new inventory and equipment and and I think that would dramatically change how we operate if we have some new things. So so yeah, that's what I want to borrow the loan for just to kind of upgrade and expand everything.

utterance: OK. So how much are you thinking you need to borrow for this?

utterance: I'm hoping that I can borrow like a hundred thousand if that's possible?

utterance: Yip, we can see if you qualify for that amount. All right. And what term are you looking at?

utterance: so ideally I would like, probably, twenty years, but if I have to go out further than that I could do that too. But, but at the minimum twenty years.

utterance: All right. We can request that as well. All right Jill. So I think that is everything that I need. So, what I'm gonna to do now is I'm gonna try to send that through to get some pre-approval for you OK? This may take just a few moments all right? if you can just bear with me?

utterance: OK, that's fine. Is it cold where you are?

utterance: Yep, I I'm actually in Missouri today in Missouri too. So it's in the low thirties here.

utterance: OK ya, so it's so cold, it was just like seventy degrees a few days ago. I can't I seriously can't believe how cold it's gotten just over the last two or three days.

utterance: Yeah, I actually have heard that's it's supposed to be like a really cold winter this year.

utterance: Yes, so I think I gonna become one of those people who lives in Missouri for the winter then goes and flies somewhere warmer for the rest of the year.

utterance: Yeah, so. My parents actually do that. They live in Florida November through March and then they come back to Missouri for the rest of the year, so so they basically do that too, they leave Missouri for for the cold moths and come back for the warm.

utterance: Honestly I think that might be the best life, like, you just go through and live whatever place has the warmest weather seems like its pretty great.

utterance: Ya, they they're really happy living in both places it's you know it's hard on us having them not here half of the year but, but they're really happy the way that they're doing it.

utterance: I bet they are.

utterance: OK Jill. So I have got the pre-approval for this loan for you and I got it pre-approved for the one hundred K, for the term of twenty years, at an interest rate of seven point five percent. What I'm going to do now is send you through to speak with one of I'm sorry. I'm gonna a a actually what I'm gonna do now is I'm gonna need to get some more documentation from you. So, what I'll do now is I'm gonna email you our portal information and that portal information will come with a link. that gives you all the information that we're going to need from you. It's some required documents that we'll need you'll have to upload those through our portal. And once those are loaded, then an agent will review those and then they will contact you to go through the rest of the loan process with you and to see if you are one hundred percent approved. I do want to let you know, that, getting a pre-approval does not guarantee that loan and everything is not loan is not in place or guaranteed until we have all that documentation, they're able to review that for ya. Did you have any questions about any of that?

utterance: No I don't think so. So they'll email me everything?

utterance: Yep, that's right, so they'll email everything and a loan officer will give you a call. Was there anything else I can help you with today?

utterance: No I think that's all, thank you so much.

utterance: Thank you Jill. And thank you for choosing Intellibank, you have a good day.


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

utterance: Yeah. So I have some documents that I need to have certified for my business and I'm just not sure how to that.

utterance: OK. I can put you in contact with someone. can I ask who I'm speaking with today?

utterance: Yeah so it's Jill Baker.

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

utterance: I mean doesn't matter you can call me Jill.

utterance: OK Jill. So you're wanting to get something notarized with Intellibank. Is that correct?

utterance: Yeah actually that'd be great if I can schedule something for an appointment to do that. I'd love to do that.

utterance: OK Jill. So do you have an account with Intellibank?

utterance: I do. I have all of my business accounts with you.

utterance: OK. Can you give me just a moment. I'm just gonna verify some information with you real quick. What is your account number?

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

utterance: OK. And can I get the name of your business?

utterance: Yeah. That's Johnson Controls and it's a medical supply business.

utterance: Thank you for that Jill. And what is your date of birth?

utterance: Yeah that's March second nineteen eighty. And then my social, that's two seven three two nine three seven four zero.

utterance: All right Jill. I'm actually not gonna need your social Jill. But the account does have four digit PIN number on it for security purposes. Could you share that PIN number with me as well?

utterance: Yeah so that's five seven zero four.

utterance: All right Jill. And do you have a specific branch location you'd like me to schedule this meeting at?

utterance: Yeah so our personal bank at the Antioch Road locations. Can we schedule it there?

utterance: Yeah, I can do that. So that branch is looks like that branch is two three one two Antioch Road in Kansas City Missouri. Does that sound correct?

utterance: Yeah it does. can you tell me has it started to snow there yet?

utterance: I do not believe so. I know that we're supposed to get some snow sometime today. But I'm actually have been inside all day and I haven't actually even got a chance to look outside. I don't know that there's gonna be any accumulation though.

utterance: OK. I just really hate when the roads get bad.

utterance: I can totally understand that. I don't think it's supposed to get very bad out but we may get a dusting today. Jill, do you have possibly have a specific day and time that would work best for you?

utterance: Yeah so I'm usually open on Wednesdays. I just I mainly ask because I hate the I hate the snow, like majorly. But also it is driving in it's really not my really not my cup of tea if you know what I mean. But yeah, just I'd rather not drive in the snow, if possible. So but you're saying it's not supposed to accumulate or be bad, so if it's not supposed to accumulate or be bad I guess I don't need to worry about it. But I'm just not really a snow person if you know what I mean.

utterance: Yeah. I totally understand that. Jill so let me look at this Wednesday and see what we have available. Give me just a second OK? All right Jill. So it looks like I do have a two p.m. appointment that day with Carol, one of our notaries. at that Antioch branch. Would that time work for you?

utterance: Yeah so that time would actually be great. yeah let's do that. Two p.m. you said on Wednesday?

utterance: Yeah, that's right. Two p.m. on Wednesday the seventh. I'm gonna go ahead and get you added on the calendar for that meeting. I'm also gonna send you the email that an email that will have your appointment time and Carol's contact information in it, should you need to reach out with her for any reason before the meeting. I do wanna let you know that you need to bring a valid photo ID in order to do that notary services, regardless if you're a customer. and I'm also gonna provide you with Carol's phone number. And this way if you need to reschedule or you need to make any changes to your appointment time you can call her directly to do that. So I'm gonna get all that sent over to you. But first Jill can I get an email address for you?

utterance: Yeah so it's J Baker at Johnson Controls dot com. So it's J as in Jill Baker at Johnson Controls dot com.

utterance: All right Jill. So let me get this scheduled. So I have that appointment scheduled for two p.m. Wednesday the seventh at the Intellibank branch at two three one two Antioch Road in Kansas City Missouri with our notary Carol. And I'm gonna send you all of our information over now. Give me just a second OK? Let me get that all over there.

utterance: OK. So you're going to email everything that you've shared to me with me today then. So I'll receive all that in an email?

utterance: Yeah. I'm gonna send you that email right now. it'll. And I got that sent, so you should everything for Carol sent to you now. Is there anything else that I can do for you today?

utterance: actually yes. So I just want to clarify though, whenever I you said I need to bring a valid photo ID for the notary. can I have one more than one document notarized? Or I'm only allowed to do one document? And also is there any kind of a charge for that?

utterance: so no. There is no charge. it's a free service that we do offer for our customers with Intellibank. You can bring as many documents as you would like. I'm I don't know necessarily that Carol has a cap on what kind of timeframe she has. So your appointment time is at two p.m.. So we reserved those notary slots from two p.m. to three p.m. or I'm sorry two p.m. to two thirty p.m., so we reserve those in thirty minutes slots. So you basically just have to kinda check with Carol if you have like a a a monumental amount of documents you may want to just email her or reach out to her by phone and just verify that she's gonna have enough time to complete all those documents for you. If it's if it's something that you have several documents, it may require that you make a secondary appointment. Or that you may make two appointments in a row, so you may need to do a two or two thirty. about what kind of volume of documents are you needing notarized?

utterance: I only have like four things. I was just curious. I didn't know if there was like a cap on how many we can have as customers.

utterance: OK. Yeah. Four things is perfectly fine. no there's no cap. as long as you can get it in your appointment time slot you should be fine. We don't have an a certain amount that we allow for our customers for that free service. so as long as you you can get those done in that two to two thirty, which four should not be hard for her at all, then you should be fine with that. Was there anything else I can do for you today Jill?

utterance: No. I think that's everything. I appreciate it so much Brenda. Have a good day.

utterance: You too Brenda. Thank you for choosing Intellibank.


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

utterance: Lyla. How you doing today?

utterance: Pretty, pretty good. How are you?

utterance: I'm doing. I'm doing pretty, pretty good as well. So I I I am a customer of Intellibank. I I have a business, and now that I'm like in my early thirties, I think it's time. The business is doing well. I think it's time to start acting like a mature adult slash mature businessman and open a savings I guess. A a business savings account as well as just a checking. So I already have the checking. I think it's time to start saving some of that money.

utterance: OK, that sounds awesome. I can totally help you with that. Do you have a few minutes for me to you know, go through all the questions that I need to ask you and.

utterance: When it comes to money, I have time.

utterance: Set it up?

utterance: OK. All right, perfect. So let's start out with your full name and date of birth.

utterance: OK. My name is Cameron.

utterance: OK.

utterance: Hall.

utterance: H A L L?

utterance: Yep.

utterance: OK.

utterance: And my birthday is August sixteenth nineteen ninety.

utterance: OK. And what is your street address?

utterance: the street address is fifteen thirty-one.

utterance: Mhm.

utterance: Wilson Drive and that's Nashville, Tennessee. Three seven two zero five.

utterance: OK. And your Social Security number?

utterance: my Social is one oh five.

utterance: OK.

utterance: Six one.

utterance: Uh-huh.

utterance: Six eight.

utterance: Mhm.

utterance: Nine four.

utterance: OK. And Mr. Hall, do you happen to have your driver's license number on you?

utterance: I do. Just lemme get. Pull my wallet out. Hang on.

utterance: OK.

utterance: Of course.

utterance: OK, the driver's license number is four one.

utterance: Mhm.

utterance: Zero eight six.

utterance: Mhm.

utterance: Two nine six.

utterance: OK and what state was that issued from?

utterance: it's Tennessee.

utterance: OK. And your PIN number?

utterance: The PIN is one six nine zero.

utterance: Mhm.

utterance: OK. And what is your email?

utterance: It's C Hall nineteen ninety at Gmail dot com.

utterance: OK. And your business name?

utterance: it's Hall Industries.

utterance: OK.

utterance: And are you the sole owner?

utterance: Yes I am.

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

utterance: June twenty-fifth twenty eighteen.

utterance: OK. And do you know what your gross annual sales are?

utterance: I wanna say it's around a hundred fifty thousand a year.

utterance: OK. Hundred fifty thousand And do you know your tax ID number?

utterance: I do. Hang hang.

utterance: OK.

utterance: OK. It is.

utterance: Uh-huh.

utterance: Oh eight.

utterance: OK.

utterance: Oh wait wait. I'm sorry.

utterance: OK, no problem. Take your time.

utterance: Hold on. wrong I'm looking at the wrong. The wrong sheet here. I'm sorry.

utterance: OK.

utterance: No problem.

utterance: OK, here we go.

utterance: OK.

utterance: Here's the correct number. I'm sorry. It's oh nine.

utterance: Mhm.

utterance: One five.

utterance: OK.

utterance: Seven one six six three.

utterance: OK. Perfect. And what is your business address?

utterance: the business address currently is the same as the home address.

utterance: OK. So obviously that's where you would like your mail to go. That's your mailing address.

utterance: Yes, please. Yes.

utterance: Can't escape it. Yeah you would like to have the the separate you know, business, office set up from the home but at this point it's it's a lot smarter just to work it out of the house.

utterance: Right. No, that's great. I mean so many people do that. And so you wanted to, to set up a business savings account as you said. OK, so what would be the initial balance? Like how much do you want to start with that?

utterance: Yes, please.

utterance: five hundred dollars.

utterance: OK. And do you have the funding bank account number where where that will be coming from?

utterance: Yeah. The account number is zero.

utterance: Mhm.

utterance: One.

utterance: OK.

utterance: Seven nine.

utterance: Mhm.

utterance: One eight. Six one two zero seven six.

utterance: OK. And do you have the routing number for the funding account?

utterance: I do.

utterance: OK, whenever you're ready.

utterance: OK, that's zero zero one.

utterance: Uh-huh.

utterance: Six oh seven.

utterance: OK.

utterance: Nine six five.

utterance: OK. And now, would you like me to set you up with online banking? So you can go ahead and like transfer money between accounts. You can look at your accounts twenty-four seven. And I can hook that up for you right now if you'd like.

utterance: Well actually I'm already set up on my One Account, so.

utterance: Yeah so you want me to add this? I'll just add it. Yeah. OK. Awesome. So I'm gonna send you a link to your email.

utterance: Won't this just? Yeah.

utterance: OK.

utterance: Just click on that link and just follow the prompts and it'll merge the accounts and you'll be good to go. It takes about twenty-four hours for everything to be set up for your savings account and people rarely do this, but did you want a card a like, you know, a debit or a credit card to go with that account, or?

utterance: Not.

utterance: With the savings. No thank you.

utterance: Right.

utterance: Yeah, most people don't do that. Is there anything else I can help you with Mr. Hall?

utterance: Yeah.

utterance: No, that seems to be everything. You've been tremendous. Thank you so much.

utterance: All right, have a great night.

utterance: You too.

utterance: Bye bye.


utterance: Intellibank. This is Margot. How can I help you?

utterance: Hey Margot. How are you?

utterance: I'm doing pretty well. How about yourself?

utterance: I'm doing good. I I I- I- OK.

utterance: So I I might show my age on this one but As soon as you said your name I just immediately thought of Lois Lane. Margot Kidder from this for Mandy.

utterance: oh wow. I haven't heard that name in a long time.

utterance: Yeah. I- i- it's funny. I- it immediately just popped in my head and I was like Wow.

utterance: You who know I always think of when I think of her? For some reason she reminds me of Courtney Cox. I dunno. I just maybe it's just the hair. You know what.

utterance: You know we- in a weird way I could ki- kind of see that.

utterance: But I love Superm- those Superman movies with Christopher Reeves?

utterance: Oh.

utterance: Christopher Reeve, right?

utterance: Yeah.

utterance: Yes. Yes.

utterance: I used to have a poster of him on my wall and I used to talk to it and pretend that he was my boyfriend and I don't know where I'm going with this because this is a business phone call. I'm sorry. But you brought up Superman and I love Superman. Too much information from me. I'm sorry.

utterance: I.

utterance: I

utterance: Am scared to go any further with this conversation.

utterance: Oh I'm so sorry.

utterance: But I'm enjoying it. And for the record I'm just gonna say I thought Superman Two was a phenomenal movie.

utterance: Oh man me too. That's what my movie poster was was from like those what was those three villains? General Zod?

utterance: Yes yeah.

utterance: Oh and.

utterance: They're stuck in that that disk that like that clear.

utterance: That ice thing?

utterance: Yeah.

utterance: Oh was it ice? Yeah. And they're like ! They're like floating through space. Oh man. You know what? You're making me want to I think I'm gonna go home and rent that. Like see if I can get that on like you know Netflix or Peacock or something.

utterance: Yeah.

utterance: I I.

utterance: I think I'm going to as soon as we hang up this phone call look it up and see where I can watch it.

utterance: Yeah.

utterance: Yeah.

utterance: Call me back and let me know. No I definitely want to I'm definitely watching that this weekend. That was.

utterance: I think well.

utterance: Thank you Lois. Because now I'm going to go back and watch Superman two. But OK. So back to reality and back to the real world So I- I'm a a a business customer of Intellibank.

utterance: OK.

utterance: And was recently getting like business paperwork and all and I was reading this these articles and I saw in this article that your debt-to-income ratio for your business.

utterance: OK.

utterance: And I was like I have no freaking idea what mine is?

utterance: Does that make me a bad business owner? I don't know. Like.

utterance: So I was wondering. are you able to help me figure that out? Are you able do you have a way to calculate it? Do you know how to do it? Like can you teach me?

utterance: Yeah I can totally help you with that right now. No problem at all and so the debt to income ratio in case you didn't know is the value of a company's monthly debt like debt payments

utterance: OK.

utterance: Divided by its gross income.

utterance: OK.

utterance: So yeah and I can help you look that up right now. So wh- what's that what's your first name?

utterance: It's Kenny.

utterance: OK Kenny. And what's your last name?

utterance: Knight. K N I G H T.

utterance: Oh like a knight in shining armor.

utterance: There you go.

utterance: OK. And what.

utterance: Or Knight

utterance: Rider. I've heard. I hear. I hear many. Yeah.

utterance: Oh, you like Knight. You like.

utterance: That better. OK.

utterance: I don't know. I I like knight in shining armor.

utterance: OK. What is your date of birth?

utterance: It's April twenty-first nineteen sixty-eight.

utterance: OK.

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

utterance: the PIN is two one six eight.

utterance: OK. And what time period were you looking for?

utterance: This quarter please.

utterance: OK. All right. Let's look you up. It just takes a second. Putting it in. OK. So it is eleven percent for you.

utterance: Well that doesn't sound too bad.

utterance: Yeah. That's great. And you know what? There's a website. It's B L S dot gov. You can go on there and they teach you step by step about income-to-debt ratio, how to figure it, how t- you know, all that great stuff. It's free. So write that down. Remember that. B L S dot gov. This way you don't even have to call us and like wait on hold and blah blah blah like you know what I mean? If you're busy I mean we love we love to speak to you. I love that you called and reminded me about Superman but you know if you're really busy and you don't really have the time to to do that I mean you can just use that website and get everything you need. You know?

utterance: Right.

utterance: Well.

utterance: That that I mean that sounds great. And I'm gonna take total advantage of that and I am definitely going to go lookup this Superman Two movie and go back to my childhood.

utterance: OK.

utterance: Oh that is so awesome. So Mr. Knight while I have you on the phone is there anything else I can do for you?

utterance: No you you've done it all. Thank you so much.

utterance: All right. Well thank you so much for being part of the Intellibank family.

utterance: No. Thank you Lois.

utterance: OK Superman. All right. Bye bye.

utterance: Bye.


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

utterance: Hi Jess. I received something in my email and it's basically offering some kind've like package deal for companies with fixed rates.

utterance: OK it sounds like you would like to speak with one of our risk specialists. Would you like to go ahead and set that up?

utterance: OK.

utterance: Yeah, absolutely.

utterance: OK, I can do that for you right now. Can I start by getting your full name please?

utterance: Yeah so, my full name is going to be Morales M O R A L E S. Last name Sandobal. S A N D O B A L. Morales Sandobal.

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

utterance: Yeah, it's gonna be zero five, zero five, nineteen ninety-five.

utterance: Five five nineteen ninety-five.

utterance: Five five nine five.

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

utterance: well no we can start by speaking about the services if if that's all right with you. because it's just more so like a general question thing. So my question is with this travels you have you have the travel package, you have the the black package. And then you also have the sliver package.

utterance: so I think you might be referencing our traveler's card.

utterance: OK.

utterance: And our platinum card, and we also have the silver card.

utterance: Silver. I'm sorry, I'm sorry, I'm sorry. yes, OK yes, the silver package. That's the one I'm interested in.

utterance: Yes. So if you'd like to get some information about that our risk specialist can also keep you up to date on that.

utterance: OK. Are, are, you're not the risk specialist?

utterance: No, unfortunately.

utterance: I'm just a receptionist.

utterance: got it, got it. OK. I'm sorry.

utterance: Yeah, so

utterance: I just do the scheduling.

utterance: OK, OK, OK.

utterance: so can I go ahead and get your credit card number, so I can pull up your account, and get you all set?

utterance: You sure can. Let me know when you're ready.

utterance: I'm ready whenever you are.

utterance: All right. I have six zero one one nine five zero eight zero three eight eight one two one five.

utterance: OK. And just to clarify that was six zero one one nine five zero eight zero three eight eight one two one five.

utterance: Correct.

utterance: OK, great. So before we can proceed any further, I'm gonna ask you a few security questions for your account.

utterance: Mhm OK.

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

utterance: Yeah, absolutely. It's gonna be five five nine five, which is the my birthdate. Five five nine five.

utterance: OK, great. got that in. OK. And you might remember that you set up a few security questions when you created your account, I'm just gonna go. Yeah I'm just gonna go ahead and ask those questions to you now.

utterance: I sure did.

utterance: OK.

utterance: OK. What was the name of your first pet?

utterance: Landslide.

utterance: Landslide. OK. Great.

utterance: I actually named, I actually named which was a fish, I actually named the fish after my favorite Chains, Fleetwood Mac. Fleetwood Mac song.

utterance: Oh. Lovely.

utterance: Landslide.

utterance: Yeah. Change. Rhiannon.

utterance: Yeah.

utterance: Do do you listen to Fleetwood Mac?

utterance: Yes, I do.

utterance: Do you really?

utterance: I do. I do.

utterance: Yeah it's my favorite group actually, so.

utterance: Yeah it's a great band.

utterance: Yes, phenomenal. Phenomenal. Stevie Hicks. Do you sing?

utterance: no, I don't. Unfortunately.

utterance: Oh, OK.

utterance: OK. Well what's your favorite Fleetwood Mac song?

utterance: Dreams.

utterance: Yeah, I would have to say that's a really good one.

utterance: Yeah, OK. Yeah. Me too.

utterance: but

utterance: Speaking of, your next question is who is your favorite musician?

utterance: Yeah, Stevie Hicks.

utterance: OK, yeah that's correct. OK. so I was able to pull up your account, so thank you for verifying that information for me.

utterance: Oh, no problem.

utterance: OK, I have the scheduler up as well so I can go ahead and get you booked. Is there a specific date and time that you were hoping to speak with someone?

utterance: Yes. There is actually. Monday.

utterance: Monday, OK. Let me pull up Monday and see what our availability is. Did you have a specific time of day that you were hoping to have this conversation?

utterance: No, no. Anytime is fine.

utterance: OK, so we have availability at eight thirty A M.

utterance: Mkay. Well that. That's the bit too early.

utterance: One.

utterance: OK, we have one at one p.m..

utterance: Mm that's a bit too late.

utterance: And we have another at three thirty p.m..

utterance: Mhm that's a bit too late.

utterance: OK, let me see. We have~.

utterance: Can we do like eight thirty-five.

utterance: yeah I can make a note in the system that you'd like a little bit of time.

utterance: Perfect.

utterance: OK, so we can do eight thirty-five and were you wanting this conversation to happen online or in person?

utterance: I can do online, I mean shit, come on.

utterance: OK. Great.

utterance: Right. OK. So what

utterance: Save a soul.

utterance: Exactly. So what's the best email for us to reach you at?

utterance: OK, you ready?

utterance: Yes.

utterance: No email. Do phone number.

utterance: Oh, you'd you'd like to have a phone call.

utterance: Please.

utterance: OK. And what number would you like us to call you at?

utterance: Eight one eight three eight three seven seven seven five.

utterance: OK, and that was eight one eight three eight three seven seven seven five.

utterance: That is correct.

utterance: OK, and you are all set to go. They will give you a call at that time. Is there anything else I can help you out with?

utterance: No, no. That's that's it.

utterance: OK, you have a lovely day.

utterance: Thank you, you too.


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

utterance: Yeah. My husband had previously been the one making payments for the business loans and we are getting a divorce so I just want to make sure that the attorneys have him removed from my account now.

utterance: Yeah 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 Miss Baker?

utterance: Just call me Jill.

utterance: OK Jill. So you're wanting to make sure that your ex-husband is no longer on the business account, is that correct?

utterance: Yeah. So the attorney said they had him removed but I can't find anything on it in our paperwork so I just wanna make sure.

utterance: OK Jill, no problem. What is your account number?

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

utterance: OK Jill and the name of your business?

utterance: Yeah that's Johnson Controls.

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

utterance: My date of birth is March second of nineteen eighty and my social is two eight seven three eight three nine zero zero.

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

utterance: It's six four seven eight. I'm I'm sorry. I actually just found the paperwork from that removal and it has been signed by the judge so I know he was removed. I'm sorry you can disregard my request. I apologize about that.

utterance: That's OK, Jill. Was there anything else I could do for you today?

utterance: Yeah actually there is. Can you check and tell me how much money is due on the loan for the current pay period?

utterance: Yeah sure Jill. do you mean how much money is due to pay off the loan as of today?

utterance: Yeah so if I paid that this period, would I what would I owe, and also what is the monthly payment for this month as well?

utterance: Yeah OK so it looks like your loan it looks like on your loan the balance still owed for that is nine thousand nine hundred dollars and thirty cents and then your next payment is due on October thirtieth and that's for four hundred and two dollars and twelve cents.

utterance: OK thank you.

utterance: All right Jill. Did you have any other accounts that you wanted me to check for you or would you maybe like me to make a payment for you?

utterance: I don't think so. It's not due quite yet is it?

utterance: No, it's it's actually not due. Jill do you have access to online banking?

utterance: Yeah I do.

utterance: OK Jill well I do want to let you know that you can check your loan balance due and amount of payment by going to your online banking account. you'll essentially just log into your online banking and then at the top of the page you'll choose the loan tab. once you choose that loan tab it'll actually give you a drop down box where it'll tell you select statement. and you can select the statement period, year by year or month just however you want it broke down. There's a couple different options for you there. So you can do that in order to print that statement. You can either select print statement or download statement. If you download it it'll download it to your desktop. and if not and you choose the print statement it'll just print that for you. that's also there is also a couple different options for you on getting a statement so we can actually mail those statements to you as well. Would that be something you might be interested in?

utterance: I don't really want the statements mailed to me but thank you but I'd I'd rather just keep it like they are.

utterance: OK so do you know how you currently get those statements?

utterance: I think that I maybe I get them in the mail. I'm not sure.

utterance: Here let me check for you real quick. I can actually tell you. Mm K. it looks like you actually currently do get those mailed to you. do you just maybe you just overlook them. They would come in Intellibank envelope. do you think that you you just overlook them possibly?

utterance: I mean it's possible I or I just I I may not even know that's what they are.

utterance: OK did you want me to so I can change that and have that updated where they just send to you via email and actually what will happen is they'll you'll receive an email notification from your online banking account that just tells you that they're available for printing. Would you like me to have that set up on your account?

utterance: So can I still get the paper ones and set that up?

utterance: Yeah you can. We can actually just request the notifications come to you cuz that's essentially what that is is they're sending you a notification via email that your statement is available online so yeah I can do that for you. Me just a second to get that set up on your account. OK so what they'll do is they'll do two things so the first one is they'll send you a reminder twenty-four to forty-eight hours before your payment is is to be is is due. It's just basically their little way of reminding you that you owe them whatever amount for for that month. and then the second one that they'll do is it'll send you a receipt once you make a payment so if you make any kind of your payment through your online banking portal or if at any point you set up any automatic payments then it will immediately send you a receipt after you've made that payment for notifications which Intellibank does as well so when it comes to loan the loan you should receive a receipt regardless of how you pay that loan but this one just this is just an emailed copy of it. and then the other thing that it does for you is it notifies you when your statement is available. So you'll get that notification that just tells you that your statement is available to be viewed once it becomes available on the online banking account. So those are the three things we're gonna have added by putting this on there. and if at any time you decide you wanna take the notification off we can do that for you too or if you wanna you can kind of tweak it a couple different ways. You can just choose to have notifications sent to reminder payment reminders. You can just choose to have receipts so you have a couple different options if this doesn't work out for you. But I've got that set up on your account now, Jill was there anything else I could do for you?

utterance: I don't think so. That's great.

utterance: All right Jill. Well thank you for choosing Intellibank. You have a great day!


utterance: Hey there, thank you for calling Intellibank. My name is Frank and who am I speaking with?

utterance: Hey, Frank. this is Bill, Bill Thompson.

utterance: Hey, Bill Thompson, nice to meet you and where can we get started today?

utterance: Well I got a notice in the mail the other day about a rate increase in my savings. So I.

utterance: Mhm.

utterance: I was told that you know it was gonna be a fixed rate. could you just explain to me why it gone, went up?

utterance: Mhm.

utterance: Sure thing well let's start by pulling up your account. could I have your account number?

utterance: OK.

utterance: Sure thing. Three four three three four zero zero one.

utterance: OK great and then can you confirm your routing number?

utterance: two zero two four five four three.

utterance: OK great. All right can you confirm your address for me?

utterance: My business or my home address?

utterance: your home address.

utterance: six zero three South Cochran Avenue.

utterance: Mhm. OK and then the last four of your social.

utterance: Two two four four.

utterance: OK. And could I have your four digit PIN number?

utterance: Three one two two.

utterance: OK great. All right let's take a look at that rate increase. OK great I see that your rate did recently increased from five percent to seven percent. it was a fixed rate. A five percent for the first five years that you had your account.

utterance: Mhm.

utterance: but it recently increased for all of our customers. So it'll be now seven percent ongoing.

utterance: I see. I I wasn't given any advanced warning of that.

utterance: You should have received a confirmation email within the last thirty days. Can I just confirm your email address one more time?

utterance: please.

utterance: Oh.

utterance: You want me to give it.

utterance: Go ahead.

utterance: Milkshake Bootie at Gmail dot com.

utterance: Milkshake Bootie at Gmail. OK let's take a look. OK it looks like it looks like you recently updated your email address. we have your previous address on, your email address on file as Bootie Milkshake at Gmail?

utterance: Mhm.

utterance: That's correct. Yeah.

utterance: OK so I'll go ahead and update your email address and that way you're receiving all of our correspondence. moving forward.

utterance: Mhm.

utterance: So Ido apologize that you didn't receive our email. just to make up for that I'll go ahead and waive the interest rate for this year. So you won't see that until next year.

utterance: No I I appreciate that. That's that's good customer service.

utterance: Not a problem. And is there anything else I can assist you with?

utterance: I was thinking of opening up a new savings account.

utterance: OK great we can certainly do that for you. OK so starting off. We've already confirmed some of your details. Is this savings account gonna be a personal account or business?

utterance: it's gonna be a personal account.

utterance: Personal account. OK great. and then would you like to keep your email address the same for the savings account?

utterance: yes please.

utterance: OK same information and would you like to link your savings account to your checking?

utterance: what would be the purpose of that?

utterance: That way it's just a little bit more convenient when you do your banking online. You can make deposits, withdrawals and transfer funds between the two funds all online or on your mobile app.

utterance: sure let's go ahead and do it then.

utterance: OK sounds good. So we'll go ahead and open up that savings and link them. And would you like to deposit the minimum of three hundred dollars to day in order to waive the service fee of twelve?

utterance: sure thing, yeah.

utterance: OK we'll go ahead and do that. All right. I've deposited those funds for you. Is there anything else I can help you with your account today?

utterance: no. I think that should be it.

utterance: All right. Well if you do have any questions about your savings or your checking accounts, you can always give us a call. And I've gone ahead and sent you an updated confirmation email will all of these details. To Milkshake Bootie at Gmail dot com.

utterance: thanks so much. I really do appreciate it and I'm definitely gonna write a good review on Yelp.

utterance: Please do. I'm in desperate need of good review. I just had an HR meeting last week.

utterance: Oh no.

utterance: Yup.

utterance: I hope that I hope that went well but yeah, should be, should be good next time.

utterance: Yeah. I'm on probation so hopefully your review gets me out of my grave.

utterance: Oh. Oh no. Oh no.

utterance: OK well you, you have a good day.

utterance: You too.

utterance: Bye bye.

utterance: Talk to you later.


utterance: Thank you for calling Intel Bank. Where we are for the people by the people. This is Kevin Codwell.

utterance: Who do I have the pleasure of speaking with?

utterance: Hi Kevin. I need you to transfer me over to risk specialist.

utterance: OK sir. before I do that I just need to jot down some information from you.

utterance: I said.

utterance: I need you to transfer me over to a risk specialist.

utterance: before we do that sir it's protocol that you have to give us some type of information so we know that you.

utterance: OK.

utterance: And at the end of the phone call I need a report on all my investments. Does that work for you Mr. Kevin?

utterance: Sir, before.

utterance: Yes sir it does. But before I could do that, it, it is my job to make sure as the receptionist to get the information for the risk risk spec- excuse me. The risk specialist. So all I need from you is just your date of birth, your ID number, and your social security.

utterance: To make sure you are who you say you are sir.

utterance: Date of.

utterance: Birth, January first, two thousand.

utterance: OK. Pretty young there but OK.

utterance: I, I, I guess you're in that crypto stuff huh.

utterance: ID. Two seven two three three zero six two.

utterance: O- OK.

utterance: What else do you need?

utterance: All right.

utterance: social security. I need the full social security sir.

utterance: I'm not giving you my full social. I can give you the last four, or you can identify me in another manner.

utterance: Sir, I don't mean to offend you. We, we have to make sure that we have protocol.

utterance: Oh I'm not offended.

utterance: I'm just not a dumbass.

utterance: I'm not giving you my full social. I can give you the last four. Are you ready?

utterance: Sir you.

utterance: Six one, eight eight.

utterance: You, we have a bank here.

utterance: The last four of my soc-. I understand that. But I need to speak to a risk specialist.

utterance: And I need the reports on my investments at the end of that phone call. I don't need to give you personally my social.

utterance: Sir that's part of protocol is for you to get to the risk specialist cause we have to take all information and all matters to the risk specialist before you actually be transferred to.

utterance: So you're.

utterance: Telling me there's no other way that you can verify me?

utterance: sir it's just protocol. just to move forward and to send over.

utterance: But you you bank here. Within bank. Private bank. you know we're highly respected.

utterance: And I'm just trying to follow protocol sir so

utterance: Let's go ahead and and do this. Because I I'm ready to speak to someone who can help me. No offense.

utterance: Well what I'll do I don't mean to upset you. I wanna make sure your day is going well.

utterance: I'm not upset.

utterance: I'm just a bit frustrated at why I have to provide my social.

utterance: When I have a general question I need to speak to a risk specialist.

utterance: Because that's.

utterance: Standard sir.

utterance: It's standard for me to give my social to someone working at a call center?

utterance: Sir this is. For we work for the bank you put your money in.

utterance: I understand that.

utterance: We have protocol for the bank you put your money.

utterance: I understand that.

utterance: We work in the same building as you put your money in. But what we're gonna do. What I'm gonna do for you so we can move forward do you have an EIN number?

utterance: I do have an EIN number, but I.

utterance: And your.

utterance: EIN number is connected to your social. So.

utterance: My business.

utterance: Social correct.

utterance: Yes.

utterance: So I need the full business social. Cause you can say your .

utterance: I have no problem with that. I could absolutely give you me EIN number. Are you ready?

utterance: But we need the.

utterance: Social to match.

utterance: EIN number is gonna be three two nine three.

utterance: OK.

utterance: Seven one four.

utterance: All right.

utterance: Dash six eight.

utterance: OK.

utterance: And I would like to set up an appointment with the ris- risk specialist. I'm available Friday any time after noon.

utterance: OK sir.

utterance: You're not cooperating. So I'm just going to put this in the note for the risk specialist. He's

utterance: Gotta be fucking.

utterance: Kidding me.

utterance: He's gonna ask you for the same thing. For you to go forward sir.

utterance: So I'm just going to put this in the note.

utterance: You all are ridiculous.

utterance: What is the name of this bank?

utterance: Intel Bank sir.

utterance: The number one bank for over twenty-five years. but I'm gonna transfer you over. I put the notes in.

utterance: And the risk specialist will ask you these questions. So is there anything else I can help you with sir.

utterance: Abso-fucking-lutely. I need my report of all the investments on my account. Right now.

utterance: OK sir.

utterance: Well sir unfortunately it's gonna be locked until you are able we're able to identify you as the one you say you are.

utterance: You've gotta be fucking kidding me.

utterance: No no sir I'm not trying to upset upset you. But we have to it's just standard protocol.

utterance: I'm done here.

utterance: OK sir. Well thank you for choosing Intel Bank. We greatly appreciate you. And I pray that everything works out for you in the long run.

utterance: Give us a call back if you need any assistance and we'll be happy to have you. I will go ahead and send over all your information so the risk specialist can give you a call. At his earliest convenience. Thank you for choosing Intel Bank.

utterance: Have a great day.


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

utterance: Hi, I I'm calling because, well, OK, so normally my mom like pays off my loan. And she's gone into like a really bad accident. I mean, it's like it's totally her fault. but yeah, now I have to like figure this out on my own. I don't know, I think she had something set up. but now there's like no money in her account any more. And I don't know, what am I supposed to do about it, you know?

utterance: Oh, hi, I'm very sorry to hear that. That is a shame. if you like, I can set up an automatic payment to debit from you account every month so that way you don't have to worry about making the payment each month.

utterance: OK, is there like some sort of fee for that?

utterance: no. Here at Intellibank, we do not have any fees for those sort of things.

utterance: Is there like a catch?

utterance: There is no catch, just providing you with the opportunity to pay your bill on time without getting any late fees.

utterance: OK, let's do it. Yes.

utterance: All right. OK, gonna need a couple of pieces of information here. To get your account pulled up, starting with your full first and last name.

utterance: My first name is Faviola, my last name is Sermes.

utterance: All right, and your date of birth?

utterance: It's December twenty-first, nineteen ninety-four.

utterance: OK, and you twelve digit account number?

utterance: I don't I don't know where to find that, cause my mom keeps that information.

utterance: Oh OK.

utterance: So.

utterance: Well do you have any of your monthly statements?

utterance: No, those are at her house. But I mean, can't you guys look it up on your end?

utterance: I can look it up, but that would require me to ask you a couple additional security questions, if that's OK?

utterance: OK, I guess.

utterance: What is your social security number?

utterance: My social security number?

utterance: Yes.

utterance: Yeah, like she keeps that information too. But

utterance: Now the social is the only other way. And the social security and your security questions are the only other way we can go about setting this up.

utterance: OK is there, is there any way for me to like look up the account number on my own, or like.

utterance: if you have the statements, that is the only way.

utterance: OK, I'm gonna, I'm gonna go through our mail, and I'm gonna find the statements. But just yeah, just give me a second.

utterance: Great. Take you time.

utterance: OK I think I found the statements. what, where is this account number?

utterance: right at the top of the first page.

utterance: OK I think it says ten, fifty-four, seventy-six, eighty-two, twenty-one, ninety.

utterance: Now I'm also gonna need your four digit security PIN.

utterance: Is that also on the paper?

utterance: That is not.

utterance: Oh my god. Sorry, I just my mom and I don't have a really good relationship. And now that she's like Her brain doesn't work the same as it used to, and it's I just, I didn't think that being an adult would be so much, so fast, you know?

utterance: Mhm.

utterance: I mean, knowing her, she's such a fucking narcissist, her birthday is probably the PIN number. So let's try zero, two, twenty-one.

utterance: That is it.

utterance: Wow.

utterance: OK now I'm gonna need you twelve digit, digit checking account number. And that will be on your statement as well.

utterance: OK, what page on my statement?

utterance: middle of the first page.

utterance: OK, it's, it's three two one, zero zero, eight four five six.

utterance: And your nine digit routing number below it.

utterance: Seven five four, zero eight two, nine nine, one.

utterance: What is the date of the month that you'd like this debited?

utterance: Day of the

utterance: The day of each month that you would like this debited from your account.

utterance: I mean what, what did she have it set as?

utterance: I don't have that information here. You're setting up payment arrangements for the first time.

utterance: OK let's just do it today.

utterance: OK it'll be debited on the eighth every month. And how much?

utterance: Six hundred.

utterance: All right, I have six hundred. All right that's all set, anything else I can help you with today?

utterance: No that's all.

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


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

utterance: Hey Judas. just calling in to close out an account.

utterance: Well, I am very sorry to hear that but that won't be a problem. We can take care of this easy for you today. First off, I just need to get your full first and last name as it appears on your account.

utterance: Yep. Richard Garrison.

utterance: All right Mr. Garrison. I do see that you have a commercial checking account with us and that's the account that you'd like to close?

utterance: Yeah. That. That's be. That'd be the one.

utterance: OK. I'm gonna need that bank account number and your four digit pin.

utterance: OK. That bank account number is seven nine five two five eight.

utterance: All right and the pin?

utterance: the pin. let me see. Oh I've it written down somewhere up. Just hold on for a quick second while I kinda look through some of these papers work.

utterance: Absolutely. Please take your time.

utterance: Thank you. It's wild how often we just like miss place stuff. You think you have it right in front of you and then you put it to the side you know and then you end up putting it in a drawer.

utterance: That is very relatable.

utterance: Yeah. I try to tell the kids all the time. Like put your stuff away, put it in one spot. So you always know where it is and. And here I am doing it myself. Maybe I just. I just tell them that to make myself feel better. I don't know. Do you ever do that?

utterance: Oh yes. All the time.

utterance: OK. Let me see. here we go. five zero nine one.

utterance: Great. That is correct. So it looks like you have a balance in this account of five hundred twenty-six dollars and thirty-five cents. Are you gonna be moving that to a new account at your new bank?

utterance: Yes.

utterance: All right. We can do that without a problem. I just need to get a couple of pieces of information from you. From your new account. starting with. Where is your. What bank is your new account located at?

utterance: I have it at CitiBank.

utterance: All right. I have CitiBank down here and what is your new account number?

utterance: Four four five eight seven three.

utterance: All right and the four digit pin for that account?

utterance: Two five seven one.

utterance: And the last thing I'm gonna need from you is the nine digit routing number. For your new account.

utterance: OK. Ew. Hold on. Let me. Let me dig that up as well.

utterance: No problem at all. Please take your time.

utterance: Oh here we go. three two zero one nine one eight seven five.

utterance: All right and before I can initiate this transfer, I'm gonna need to ask you a couple a security questions. What is your date of birth?

utterance: January second, nineteen eighty-five.

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

utterance: Stevenson.

utterance: Great. All right. So just to confirm once this transfer is initiated, you would like me to close this account?

utterance: Yes, yes.

utterance: All right. Well that transfer has been sent. It is out of this account. We cannot tell you how many days it will take to post to your new account because that's up to your new bank but everything on our end here is gonna be taken care of. before I officially close this account I just need to ask for our records why you're closing your account?

utterance: Oh this is. Just works better with my current situation. this old account was was tied to a family situation. Ex-wife and I think I'm moving this to a a different place kinda helped me kinda move on a little bit. As well as. As well as you see more perks in future that. That just. it's. It's a bit personal. I'm sorry.

utterance: No completely understand. I. All I need to put down here is personal. That will definitely do it. I. I don't wanna. Don't wanna pry. Well your account is now closed. We are sorry to see you go but thank you for being an Intellibank customer and I hope you have a nice rest of your day.

utterance: Thank you.

utterance: Thank you.


utterance: Good afternoon thank you so much for calling Intellibank my name is Greg, what can I do for you today?

utterance: Hi, my name is Arnold Desantos, and I am a customer here at Intellibank I would like to apply for a secured loan, if that is at all possible.

utterance: That is absolutely possible mister Dissent first I'm gonna need to get access to your account your first name is A R N O L D correct?

utterance: Yes that's correct.

utterance: Last name spelling D E S A N T O S?

utterance: Yeah that's great you got it right.

utterance: Perfect and can I get your social and your PIN number please?

utterance: My social is seven two five zero five three two nine eight and my PIN is eight zero eight eight.

utterance: Perfect thank you Mr. Desantos let me just go over your account for a second, one moment please.

utterance: you've been a customer with us for quite some time thank you so much all right. And what is it I'll be helping you with today?

utterance: Yeah so I just wanted to apply for a secured loan.

utterance: OK and what what credit limit are you looking for?

utterance: I was thinking the credit limit would be a hundred thousand.

utterance: Alright OK for a hundred thousand dollar loan all right let me get to the application page and just so you know for future reference you can also apply online for loans for loans on our website and app now and unless there's extenuating circumstances you'll usually receive a a result immediately.

utterance: That looks great to know thank you.

utterance: My pleasure. OK I'm at the application page and I'm just gonna need you to unfortunately repeat some of the information you've already given me, so please bear with me mister Desantos could I have your street address?

utterance: Yes the street address is fifty two Astor Place New York New York one zero zero zero nine.

utterance: Got it and can you provide me with that social one more time?

utterance: Seven two five zero five three two nine eight.

utterance: Perfect and do you have your driver's license handy on you?

utterance: Yeah the driver's license is three two three nine eight seven five and that would be New York but I also lived in Massachusetts for a little while, and I have the driver's license number for that which would be three seven two seven three three.

utterance: No the Massachusetts one isn't necessary, I just need one current driver's license state and it doesn't have to match your address. Just need an active driver's license could I get your email?

utterance: Yes, Arnold D at Gmail dot com.

utterance: Got it and what's the name of your business mister Desantos?

utterance: The business is Halloween City.

utterance: Halloween City nice and are you the sole owner of Halloween City?

utterance: No there are multiple owners.

utterance: Got it and what's the establishment date of Halloween City?

utterance: That would be September fifth two thousand and fifteen.

utterance: Got it and what are your gross annual sales?

utterance: the gross annual sales are of of five hundred thousand.

utterance: Five hundred thousand all right and would you happen to have your tax ID number handy?

utterance: Yes, that is seven two zero three four.

utterance: Fantastic thank you so much could I get the address to your business building?

utterance: Yes it's two hundred Astor Place New York New York one zero zero zero eight.

utterance: Got it and just for clarification that's A S T E R?

utterance: A S T O R.

utterance: A S T O R, OK thank you for that and what's a good mailing address for you?

utterance: the same as my business address.

utterance: Perfect all right and what type of collateral would you be using?

utterance: I'll be using my car.

utterance: Your car all right, and can I get the year, make, and model of your vehicle sir?

utterance: Yeah it's a it's a Toyota Corolla twenty twenty one.

utterance: Twenty twenty-one Toyota Corolla and what color is that vehicle sir?

utterance: That would be red.

utterance: Red got it and what's the purpose of your loan today?

utterance: For for general repair.

utterance: General repair and you said you were looking for a hundred thousand correct?

utterance: Yes.

utterance: Alright and what type of terms are you looking for to repay this loan sir?

utterance: I would say do you do twelve months?

utterance: We do do twelve months.

utterance: Yeah that seems like a good amount.

utterance: Alright sounds good OK that was everything I'm just finalizing this application, submitting it usually just takes a couple seconds so just a couple of moments here all right just a couple more moments and here we go. Looks like you were actually approved Mr. Desantos so congratulations for that and I'll be sending you an email with all your information in it and if you have any other questions feel free to ask now or if you have any at a later time feel free to call us back and if you need any help with anything else please let me know.

utterance: Fantastic thank you.

utterance: So is that all for today mister Desantos?

utterance: That's it.

utterance: Well thank you so much for calling Intellibank today and thank you for allowing me to provide you with great customer service, I hope you would agree that it was a great customer service, and please enjoy the rest of your day.

utterance: Thank you.


utterance: Oh, yes. Good evening. Thank you for calling Intellibank. This is I this is Andy. Andy.

utterance: Hi, Andy.

utterance: Hi. How's it going?

utterance: It's going all right. How's it going for you?

utterance: That's great. I'm trying to remember my name. I slip and hit my head in the bathroom ten minutes ago.

utterance: Oh, my lord. Have you talked to your supervisor about that?

utterance: Yeah. He said I gotta stay in and work cuz there's no one to cover my shift.

utterance: Oh.

utterance: Yeah.

utterance: I would maybe consider going to HR.

utterance: I did that last time and they made me work more.

utterance: Do you fall often?

utterance: I fall all the time. What can I help you with today?

utterance: OK. Well, I am just trying to do a simple change of my phone number.

utterance: Sure. OK let's see. Can I get your name, please?

utterance: My name is Carrolton Fitzgerald.

utterance: Carrolton?

utterance: Mhm.

utterance: Fitzgerald.

utterance: Yeah. It might be Carly on my account there, though.

utterance: I've just recently started using Carrolton, my full name.

utterance: Why is that?

utterance: Well, I used to be embarrassed that my name was Carrolton.

utterance: Uh-huh.

utterance: And

utterance: Hello. I think I lost you.

utterance: Oh, no. I'm still here.

utterance: Oh, are you driving?

utterance: Yeah. Yeah.

utterance: OK.

utterance: Oh you cut out for a sec.

utterance: Yeah. I heard a little sound too.

utterance: OK. So anyways, yeah. It might be Carly.

utterance: OK. All right, Carrolton. May I Let's see. May I have your account number, please?

utterance: OK.

utterance: Hello.

utterance: May I have your account number?

utterance: I just wanna change my phone number.

utterance: I know but I need your account number so I can get into your account.

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

utterance: Great and just a couple more numbers to verify questions to verify it's you I'm talking to, Carrolton. Your date of birth?

utterance: Zero eight one eight eighty-eight.

utterance: Come ins with a lot of eights.

utterance: It is. I'm a lucky girl.

utterance: Unlucky girl. That's why you're named Carrolton. And your date of birth is zero eight one eighty-eight and great. And the last four of your social.

utterance: Zero six eight eight.

utterance: Zero six eight eight.

utterance: Yeah.

utterance: All right. Your number here is one eight hundred four five three nine two one oh. Is that right?

utterance: That's not right.

utterance: OK. I'm sorry about that. Let me take that out of there. What's your number?

utterance: Eight one eight. The number that should be on file or that I wanna change it to?

utterance: Uh-huh.

utterance: The the both. Let's go with the one that should be on file.

utterance: It's eight one eight.

utterance: Uh-huh.

utterance: Six three three.

utterance: Six three three.

utterance: Four five six seven.

utterance: Four five six seven.

utterance: Mhm.

utterance: And oh I see it right there. Oh the one eight hundred number that was our help number.

utterance: Oh, are you sure you're OK?

utterance: Oh, I'm totally fine.

utterance: what's the number you wanna change it to?

utterance: Are you bleeding from the hood?

utterance: No.

utterance: OK.

utterance: Wait. Oh, yeah. I kinda am. What's the number you wanna change it to?

utterance: I want it. You said yes? OK. I know I feel uncomfortable talking you on the phone knowing that you're bleeding from your head.

utterance: Listen, look, I Just need to help

utterance: You. I want to help you. our job here at Intellibank is to make sure you get the utmost customer service. The highest quality customer service in the land and that's why you choose Intellibank.

utterance: OK.

utterance: Your service is more important than my well-being.

utterance: OK. Well, that's what I like to hear from all of my customer service people that work for places that I bank with so.

utterance: are you gonna give me the number you wanna change it to, ma'am?

utterance: Yes, I am.

utterance: All right.

utterance: I'd like to change it to seven one two.

utterance: Seven one two.

utterance: Zero zero seven.

utterance: Zero zero seven.

utterance: Eight eight eight eight.

utterance: Eight eight eight eight. That's a lot of eights again.

utterance: Yup.

utterance: You know I like to keep the eights in my life.

utterance: All right so we're gonna change the number to that and great. Is there anything else I can help you with?

utterance: Well, just promise me when you leave work that you'll go to the doctor.

utterance: I will if you promise to get a real estate loan.

utterance: Oh, real estate loan.

utterance: Yeah. It's really cool. You can get a a loan. We'll give you money and you can buy some real estate.

utterance: That actually sounds fantastic.

utterance: Do you know?

utterance: OK I was not not expecting that to happen. I can transfer you over. What kind of? Is it a business real estate or personal home?

utterance: Yeah.

utterance: I would

utterance: Be going for business real estate.

utterance: OK.

utterance: Let me transfer you over to Becky in real estate finance and she can help you. All right. I'll talk to you later. Bye.

utterance: OK.

utterance: OK.


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

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

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

utterance: Same here. Been a great day so far. Got some exciting things coming up. That's why I'm calling.

utterance: Great! How can I help you?

utterance: Well Looking to expand my business. Move into a bigger office. But I'd like to purchase it. So I need to apply for a loan.

utterance: OK. Are we talking about a real estate loan?

utterance: Yes.

utterance: Alrighty I'll be happy to help you with that. You want to go ahead and make an application for a real estate loan over the phone with me?

utterance: Yeah. Is that something I can do?

utterance: Absolutely you can. One moment while I pull up the application.

utterance: All right George. What is your full name and please spell it.

utterance: George Emory. G E O R G E E M O R Y.

utterance: Thank you. Your full address?

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

utterance: What is your social security number?

utterance: Four twenty-one three eight forty-four eighty-one.

utterance: Your driver's license number and the state it was issued in?

utterance: My driver's license is in my wallet. it's in the other room. Do you mind giving me a second while I go grab that?

utterance: Not at all. Take your time.

utterance: All right. I've got that. It is Z one zero seven two eight nine one one two. And it was issued in Missouri.

utterance: Thank you. And what is your Intellibank PIN number?

utterance: Sixteen sixty-two.

utterance: Thank you. And your email address?

utterance: Gemorytrades at Gmail dot com.

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

utterance: That's right.

utterance: Great. And the name of your business?

utterance: Emory Data Management.

utterance: Three words?

utterance: Yes.

utterance: So E M O R Y D A T A M A N A G E M E N T.

utterance: That's right.

utterance: And are you the sole owner?

utterance: Yes.

utterance: And when was your business established? So what is your business establishment date?

utterance: It's December eighteenth twenty nineteen.

utterance: Thank you. What are your gross annual sales?

utterance: Eight hundred and eighty-nine thousand dollars.

utterance: And. What is your tax ID number please?

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

utterance: And what is the address of your business?

utterance: One fifty-three Pinecone Circle, Branson, Missouri, five five three two four.

utterance: Thank you. Where would you like us to send any mail? To your home address or your business address?

utterance: I'd like it sent to my business address. One fifty-three Pinecone Circle.

utterance: Branson Missouri five five three two four.

utterance: Yeah.

utterance: Great. And how much does this real estate that you're looking at cost?

utterance: It's six hundred and ten thousand dollars.

utterance: And what is the address?

utterance: Three zero nine Vermont Avenue, Branson, Missouri, five five three two four.

utterance: Thank you. And what kind of a down payment are you looking at? What is the percentage that you'd like to put down?

utterance: Fifteen percent.

utterance: OK. So ninety-one thousand five hundred dollars?

utterance: Yeah.

utterance: All right George. One moment while I submit this application. And in just a bit I will have a transaction ID number for you to write down.

utterance: OK.

utterance: In case you need to contact us. This is the number you can reference. The number is nine nine one seven six two nine.

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

utterance: Now in a very few couple minutes you're gonna receive an email. The email will request that you send in supporting business documents documentation. It'll outline what that is and where you can find that once you've submitted all necessary documentation, it will take up to three business days and you will receive a callback from one of our loan agents. And you will get the results of your application. Does that all make sense?

utterance: Yeah. That all makes perfect sense.

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

utterance: Nope, that's it.

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

utterance: You too. Bye.

utterance: Bye now.


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

utterance: Yeah Sam. This is John Rivers over at Three Rivers Pepperoni Palace.

utterance: Hi John. What can I do for you today?

utterance: Well I need to get a public notary things are so busy right now that I got to know exactly when. Is there a way I can just schedule an appointment to come in?

utterance: Oh.

utterance: sure. Yeah we can definitely set up an appointment. That's not a problem. Just give me a minute here to switch screens. OK. do you have a specific date and time in mind that works best for you?

utterance: yeah. Let me look at my schedule real quick.

utterance: OK.

utterance: Yeah it looks like next Thursday at about one to two o'clock I have an opening.

utterance: OK I could do an appointment at one?

utterance: OK that would be absolutely great. What do I need for information?

utterance: OK so I can schedule here in at one o'clock for next Thursday. can I just get first and last name again?

utterance: Yeah that's John Rivers and my checking and savings account number is twenty-three seven nine zero seventy-five zero zero one.

utterance: OK. all right. So I've got you scheduled for next Thursday at one o'clock with Paul. just make sure that you bring all documentation that you require.

utterance: Oh yeah. I know Paul. he comes in here. He's a regular over at our place.

utterance: Oh! Is he?

utterance: Yeah. Real nice guy. He's the one with the greying hair.

utterance: Yes, that's Paul. Yes he's very nice. Very nice.

utterance: Oh he's a great old

utterance: Guy. Yeah.

utterance: Yep. OK. So yep. He he will be your notarer notarer at this location next Thursday at one o'clock. Was there anything else I could help you with?

utterance: Oh no. You've been great. Thanks.

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

utterance: You too.

utterance: Bye bye.