utterance: Good afternoon. Thank you for calling Intellibank phone services. My name is Joseph. How may I help you today?

utterance: hi, Joseph. I am looking to transfer money from my savings into my checking. Is that something you can help me with today?

utterance: Yes, if you have the both of those accounts with us, then we can definitely do that. First, can I get your first and last name, please?

utterance: sure. It's Pat Michaels.

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

utterance: It is eight ten seventy-seven.

utterance: Eight ten seventy-seven. OK and what is your four digit security PIN?

utterance: Ooh, this is the PIN for the checking account, right? Not like my ATM PIN? This is the security PIN?

utterance: Well it's believe those should be the same.

utterance: yeah, let me double check that. Hold on just a moment.

utterance: OK I think I have it here. would that be the four nine seven two number?

utterance: Four nine seven two is your security PIN. Yes, sir.

utterance: great.

utterance: OK and so just remind me again what you what you would like to do with your accounts today.

utterance: Yeah, I was calling to transfer money from my savings into my checking. but before I do that I'm going to need the balance of both of those. Both the checking and the the intel savings.

utterance: OK. you mean your Intellibank Smart Savings?

utterance: Intellibank.

utterance: Account.

utterance: Yes. Intellibank. I always get that wrong but it's right. Intellibank Smart Savings. I. Let's see. How much is in there and how much is in the the checking?

utterance: OK. You have three hundred and forty dollars in your savings account and it looks like you have twenty-seven dollars and fifty-six cents in your checking account.

utterance: You know, let's take everything that's in the savings and let's move it over to the checking.

utterance: OK. So, are you saying that you would like to close your savings account today?

utterance: No. is it OK for me to empty out the balance but keep it open?

utterance: You can but one thing I do have to warn you about is if you do have a zero balance on your savings account we will charge you twenty-five dollars a month service fee so you have to keep a balance in there above twenty-five dollars to avoid this fee. So would you still like to clear your savings account and put it all into checking?

utterance: Mm.

utterance: No. Let's let's definitely keep the twenty-five in there. Twenty-five or over twenty-five?

utterance: Twenty-five or over. Twenty-five is the is the minimum.

utterance: Great. Let's keep twenty-five in there but everything else let's pop that over to the checking.

utterance: OK. So, I could transfer over three hundred and twenty-five dollars and fifty-five cents. over to your checking account. and would you like me to go ahead and move forward with the transfer?

utterance: Yeah. Let's go ahead and do it.

utterance: OK. And there we go. The transfer went through and.

utterance: Oh, wow. Just like that ?

utterance: Yes, indeed, and should be available right away.

utterance: Man. That's great. That's why I use you guys.

utterance: Yeah with technology. We are on top of technology. We have the latest technology and twenty-four hour phone service as you are using right now and.

utterance: I've used

utterance: So many banks in the past where you go in. You try to do the transfer. It takes time maybe it doesn't end up in the account until the next day but this was quick. This was easy. This was simple. yeah, just fantastic. And thank you for the heads up on the service fee or I would have been stuck paying twenty-five bucks and wondering where that came from.

utterance: Oh, absolutely. Not only that since it was zero dollars you would have had twenty-five dollars that would have made it negative twenty-five and then you would have been charged an extra ten dollars for an overdraft fee.

utterance: This is how you get in debt.

utterance: And yeah and that racks up and it keeps going so I just that I would warn you about that before you wanted to clear your account.

utterance: Well, it is appreciated and I just want to thank you again.

utterance: OK. No problem. Is there anything else I can help you with today?

utterance: No. You have been great. Thank you.

utterance: OK. Well once again my name is Joseph. Thank you for calling Intellibank and we will take your call anytime.

utterance: Bye.


speaker_role: Agent

utterance: Thank you for calling Intellibank, this is Millicent. How can I help you today?

speaker_role: Customer

utterance: Hi, I need to. well I'm getting my tax stuff ready and I I'm trying to make sure that I've got everything. all the paperwork I need for it and I need to get my bank statement.

utterance: OK, I can help you with that. may I get your name?

utterance: Yes, it's Jerry Hoffman. H O F F M A N.

utterance: Thank you. and your date of birth?

utterance: July twenty-first nineteen seventy-eight.

utterance: Alright and if I could get your PIN number?

utterance: Nine three eight zero.

utterance: OK and if you give me just a second while I access your account. Our computers are running a little slow this morning.

utterance: OK. How's the weather been up there where you guys are?

utterance: It's been very cold.

utterance: Oh well that's. That's no fun.

utterance: No.

utterance: Yeah I don't. I don't really like the cold that much.

utterance: I don't either. I don't mind cool but I don't like cold.

utterance: I agree.

utterance: OK, it looks like it pulled up. Could you please verify your account number for me please?

utterance: Yes it's two five zero three eight zero zero three six seven.

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

utterance: Yes that's the correct one.

utterance: Alright thank you. And you said that you were needing to get a bank statement. Are you just needing the most current one?

utterance: I needed it for the last twelve months.

utterance: Oh OK we'll be happy to do that with you. we do provide twelve months of bank statements for free one time to our customers a year. If you need them more or more copies after this there will be a fifteen dollar per statement charge.

utterance: OK.

utterance: OK? I know it seems a little steep doesn't it? OK also you might be interested in knowing you could also access this information on our online banking. Would you like these to be mailed to you or we can do it paperless and email them to you.

utterance: let's have it mailed.

utterance: OK and what address would you like it mailed to?

utterance: eight eighty-two West Magnolia Street Buffalo Grove Illinois six zero zero eight nine.

utterance: That's eight eighty-two? Excuse me. Eight eighty-two, West Magnolia Street. Buffalo Grove, Illinois, six zero zero eight nine?

utterance: Yes.

utterance: OK and do we just need to mail them just to that one address?

utterance: well actually yeah. Let's go ahead and get it mailed to seventy-six Sunbeam Drive Buffalo Grove Illinois six zero zero eight nine.

utterance: Seventy-six Sunbeam Drive in Buffalo Grove Illinois. Six hundred or I'm sorry. Six zero zero eight nine?

utterance: Yes that. Having them sent to that address would be good too.

utterance: OK. All right, I've got that taken care of for you. Is there anything else I can do for you?

utterance: you mentioned something about online banking where I can. I can just access these statements myself?

utterance: Yes and you can do that every month and then of course you know you could print that off and keep those in a file or however you'd like to do them, pin them to the side. We. You just log onto our Intellibank online checking. So basically Intellibank dot com and go in there and set yourself up a pin number and secure password and then it will bring you in. It'll access all of your accounts. You'll have to answer some questions at first. Get everything entered in there and then just follow the tabs and basically you know like they used to say let your fingers do the walking.

utterance: OK and did you say there was a fee for that?

utterance: No, the online banking service is completely free.

utterance: OK. I'll pro~

utterance: Would you like?

utterance: I'm sorry. Go ahead.

utterance: I'll probably have my accountant set that up sometime this week then.

utterance: OK and you can set that up where she has different access levels and you have different access levels and separate passwords as well.

utterance: OK, well that's good to know.

utterance: OK and would you like to know the balance on your account at this time?

utterance: yes that would be good.

utterance: Fifty-two thousand one-hundred and ninety-seven dollars and twenty-eight cents.

utterance: Alright, that's. That's good to know.

utterance: OK. Alright, is there anything else I can do for you today Mr. Hoffman?

utterance: yeah, do you guys have notary services over there?

utterance: We do have four notaries in the building.

utterance: OK and are they a Can they do remote notarization?

utterance: They can. you have to setup an appointment for that so that they know where they have to be but they sure can do that.

utterance: OK. Well thank you. I will let my accountant know that and she'll probably be back in touch with you guys here in a. A day or so.

utterance: OK and Mr. Hoffman I believe that if we haven't launched it already we are about to launch where you can setup a notary. remote notary appointment online as well.

utterance: OK, well thank you.

utterance: Alright, thank you. Is there anything else I can do?

utterance: I don't think so.

utterance: Alright, well you have a Merry Christmas.

utterance: You too, thanks. Bye.

utterance: Bye.


utterance: Thank you for calling Intellibank services, this is Steven how may I assist you today?

utterance: yes, I'm wanting to check my available balance on my platinum credit card.

utterance: Absolutely, I can assist you with that. May I have your name please?

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

utterance: And your date of birth?

utterance: May twelfth nineteen sixty.

utterance: And your authentication PIN please.

utterance: One, zero, six two.

utterance: Thank you. And then can I have the sixteen digit card number?

utterance: hang on while I get it.

utterance: No problem sir.

utterance: OK I've got it.

utterance: Alright sir, if you'll go ahead and read that number off for me.

utterance: Two, six, six, nine, four, zero, seven, seven, three, five, six, five, one, zero, nine, three.

utterance: OK and just to be sure I got that correct that is two, six, six, nine, four, zero, seven, seven, three, five, six, five, one, zero, nine, three. Is that correct?

utterance: That's right.

utterance: Alright sir and so you were just wanting to know the balance on that card today?

utterance: Yes.

utterance: Alright, the available balance on that card is ten thousand two hundred and ninety-seven dollars and twenty-eight cents.

utterance: OK. can you tell me what is involved in setting up the online banking?

utterance: I certainly can sir. I will just need to verify your email address and then provide you with a username and a temporary password. And the rest you can do at your own leisure from any internet connected device.

utterance: OK that sounds good.

utterance: Is that something that you would like me to help you set up today?

utterance: yes.

utterance: Alright, I can certainly do that. the email address that we have on file for you is D Thomas at ABC dot com. Is that correct?

utterance: Yes it is.

utterance: Excellent, and is that the email address that you would like your online banking communications to be sent to?

utterance: yes.

utterance: Alright. And then I have got a username and temporary password for you whenever you are ready.

utterance: OK just one second.

utterance: No problem sir.

utterance: OK I'm ready.

utterance: Alright, your username is going to be D Thomas zero five.

utterance: OK.

utterance: And your password will be capital C, capital L, six, two, capital D, seven.

utterance: OK I've got that written down.

utterance: All right sir, and so as I said you'll just need to go to the Intellibank dot com web page, click the login button in the top righthand corner, enter those details and it will prompt you to create a unique password. And then it will guide you through the rest of the set up.

utterance: OK that sounds good.

utterance: Alright, and is there anything else I can assist you with today?

utterance: what type of business loans do you offer?

utterance: We offer term loans, secured loans, real estate loans, and then we also offer SBA seven A and SBA five oh three loans.

utterance: Oh that's great!

utterance: Yes sir, we do try and provide as wide of variety of services to our business clients as possible.

utterance: That sounds really good.

utterance: Alright sir, is there anything else that I can assist you with?

utterance: I can't think of anything.

utterance: OK, well if you don't mind holding on the line for me there's going to be a brief survey that you can let us know how we did today and how we can better service you and your business needs in the future.

utterance: That sounds great.

utterance: Alright sir, well you have a wonderful day and thank you again for choosing Intellibank.

utterance: Alright thank you.

utterance: Thank you. Goodbye.


utterance: Thank you for calling Intellibank. My name is Kayla and I will be glad to assist you today. Who do I have the pleasure of speaking to?

utterance: Hi. Yeah, this is Ari.

utterance: Hello Ari, how are you today?

utterance: I am doing fabulous.

utterance: Great, glad to hear it. Ari, how can I help you today?

utterance: OK so I'm I'm looking to to get an SBA loan.

utterance: Wonderful, I can do that for you right over the phone if you'd like to apply that way.

utterance: Yeah, yeah I'd like to do it that way. Couldn't do it online so.

utterance: Oh.

utterance: Oh

utterance: Yeah.

utterance: My system.

utterance: Must've been down cuz normally you can do that but however. Yes. All of our.

utterance: Oh, really?

utterance: Well it's.

utterance: Nice to be talking to a human being.

utterance: Yes. I I know, I know that feeling yes and normally you should be able to do any of the services online but the system may.

utterance: Yeah. Well it's

utterance: It's nice because I just I feel like I've had so much that has slipped through the cracks and I've had to have things delayed and because I had it I did it on my own I guess I don't have the ability and I need somebody else to walk me through it.

utterance: Oh.

utterance: I'm the same way about other things too, so let's let's get this started here for you Ari.

utterance: Yeah.

utterance: Do I spell your name A R I?

utterance: That's right.

utterance: Alright and your last name please?

utterance: It's Schoenfeld.

utterance: Spell that for me please.

utterance: S C H O E N F E L D.

utterance: And is it A R I or is that short for anything?

utterance: No, it's it's just A R I.

utterance: Terrific. OK. Yes, I I thought so, I have another friend named Ari as well, so I I recognize.

utterance: From Israel.

utterance: Oh, yeah. Ari.

utterance: Yeah.

utterance: And the, will we be applying for the real estate loan, the F five oh four loan?

utterance: We are applying for the five oh five five oh four loan.

utterance: OK, terrific and Ari, just to get this started, may I get your social security number please?

utterance: Absolutely, it's six two seven.

utterance: Mhm.

utterance: One four.

utterance: Mhm.

utterance: Three two five six.

utterance: Wonderful and your driver's license and the state it was issued?

utterance: Sure thing. It is issued in Boise, Idaho and the driver's license is D L, D like dog, L like Larry seven two five six nine eight.

utterance: Wonderful all right and you have a four digit pin number associated with your accounts.

utterance: Yeah, it's seven five six three.

utterance: Seven five six three. All right and Ari, what is the best email address to reach you?

utterance: Schoenfeld at Gmail dot com.

utterance: All right thank you.

utterance: Ari, what is the name of your business?

utterance: Schoenfeld and associates.

utterance: OK and are you the sole business proprietor?

utterance: I am indeed.

utterance: Alrighty.

utterance: And what is the approximate date that you established your business, both month and year?

utterance: Sure it's one two thousand and ten.

utterance: OK.

utterance: And the gross annual sales for last year, two thousand and twenty?

utterance: About a hundred and fifty thousand.

utterance: All right.

utterance: Your tax ID number.

utterance: Sure it's seven five six two nine eight five nine three.

utterance: Thank you so much and your business street address please?

utterance: It is, let me pull that up. Can I just drive there for so many years now it's like totally forget it out the.

utterance: Just becomes

utterance: Automatic.

utterance: Just exactly. All right, it is seven three nine.

utterance: Mhm.

utterance: Sep, S E P.

utterance: As as like like septic tank?

utterance: Avenue.

utterance: Like septic tank.

utterance: Got it. .

utterance: It's a septic.

utterance: It's like it's in a warehouse district.

utterance: Got it. OK.

utterance: It's really strange.

utterance: Number name.

utterance: Sorry about that, my father's manufactured septic tanks, that's just where my brain goes.

utterance: Oh really?

utterance: Yes.

utterance: Funny.

utterance: Silly me.

utterance: Not in Boise, Idaho right?

utterance: no, no.

utterance: Yeah, and that's Boise, Idaho, six three seven nine.

utterance: Got it and what is the amount of the loan that you'd like to apply for?

utterance: two hundred and fifty thousand.

utterance: All right, two hundred and fifty thousand dollars and then there will be down payment required between five to twenty percent what amount would you like to put down?

utterance: Yeah.

utterance: Twenty five thousand, please.

utterance: Twenty-five thousand, all right.

utterance: All right, I'm going ahead and I'm processing this as we speak, sending an email link to you do you know that there will be a link inside there for you to view the application and please be aware that there are some documents to upload into our system, pictures of your driver's licence and your tax ID number.

utterance: And aside from that you are all finished unless you have any other questions from me?

utterance: No, you've been great.

utterance: Wonderful, I'm so happy to be able to help you today Ari and I wish you well. Have a wonderful day and thank you for calling Intellibank.

utterance: You're a rockstar.

utterance: Bye bye. Thank you.


utterance: Thank you for calling Intellibank, this is Charles. How may I be of service today?

utterance: Hi Charles I guess I need to sort of move some money around. Does that does that make sense?

utterance: Not a problem at all. I I see that well do you. First of all, do you have an account here with Intellibank?

utterance: Yeah I believe I do. Yes yeah I have a I have an account with you guys.

utterance: Great. just need to ask you a couple of questions to pull this up here. What is your first and last name as it appears on the account?

utterance: Terry Jeffers.

utterance: Alright Mr. Jeffers and what is your date of birth?

utterance: November twenty-first nineteen eighty-three.

utterance: And what is your four digit PIN?

utterance: One, nine, seven, eight.

utterance: OK and I'm going to need your account number as well.

utterance: My account number is four, nine, one, two, six, one.

utterance: Alright it looks like you have a couple accounts with us were you looking to move money from one of your Intellibank accounts to another?

utterance: no that's not exactly it. It would be. I guess technically from my Intellibank to a a friend's separate bank account.

utterance: And is it. Would this be a separate Intellibank account or do they bank with a different bank?

utterance: they bank with a a different bank. So yeah it would be from Intellibank to his Citibank account.

utterance: OK that is not a problem. what we're gonna wanna do is a wire transfer. And there will be a fee with this. can you tell me is this a domestic or international transfer?

utterance: it's a domestic a transfer.

utterance: OK then there will be a fee today of fifteen dollars. Is that OK?

utterance: Yeah. that that fifteen's fine.

utterance: And what account are we looking to transfer from? Your Intellibank Smart Savings or your Intellibank Business Checking?

utterance: Business Checking.

utterance: All right, not an issue. OK it looks like your Business Checking has an available balance of thirty-two thousand six hundred eighty-three dollars forty-two cents. you're able to transfer up to ten thousand dollars from this account. How much will be be transferring today?

utterance: we will be transferring fifteen hundred.

utterance: All right fifteen hundred dollars and would you also like the fifteen dollar fee to come out of this account?

utterance: Yeah that's fine.

utterance: OK so you're you're gonna see a debit total of one thousand five hundred and fifteen dollars from your Intellibank Business Checking account. Now I'm just gonna need to get the information of where we're sending this to. So first off, what is the full name of the person receiving the wire transfer?

utterance: it's Joey Roberts.

utterance: And what is the name of their bank?

utterance: they're Citibank.

utterance: OK Citibank. And what is their account number?

utterance: Their account number is. Let me find that for you. Bum bum bum bum bum bum bum bum bum. You have pets?

utterance: I do I have a dog.

utterance: Oh what's what's your dog's name?

utterance: Johnny.

utterance: Johnny hey that's a good name. Good name for a dog. Wha~

utterance: Any pets yourself?

utterance: yeah. We've got one. One little. Well not little anymore he's grown quite a bit in the last couple months. Now he's gained like fifty pounds or so. A little German Shepard.

utterance: Very nice.

utterance: And you're looking for the account number right?

utterance: Looking for that account number yeah. And I'm gonna need the routing number as well.

utterance: Ooh OK I've got the account where's the routing? There it is. Eight, five, four, four, nine, nine, four, four, two, five, nine, seven, four, three, five.

utterance: OK I believe you gave me the routing number and the account number together is that correct?

utterance: yeah yeah looks like I did.

utterance: if you could split those up and first just give me the account number please?

utterance: OK it's four, four, eight, five, five, nine.

utterance: Great and now the nine digit routing number.

utterance: let me see four, four, two, five, nine, seven, four, three, five.

utterance: All right and before I can send this I just need to ask you your security question. And speaking of pets it is what was your first pet's name?

utterance: Jim.

utterance: All right. That fifteen hundred dollar transfer has been sent. So in total we're debiting fifteen hundred and fifteen dollars from your Intellibank Business Checking account. And that is all taken care of. Is there anything else I can help you with today?

utterance: no that's all.

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

utterance: Bye.


utterance: Thank you for calling Intellibank. This is William, how may I be of service to you on this fine fall afternoon?

utterance: Ooh William it is a fine fall afternoon. I just got a pumpkin spice latte and I'm ready to roll.

utterance: Nice.

utterance: mhm mhm.

utterance: Well, how can I help you today?

utterance: OK, yes I am calling to get some information on my debt to income ratio for my business.

utterance: All right. Well I'm assuming that means you have an account here with us at Intellibank?

utterance: You got it right.

utterance: Right. Well let's go ahead and pull that account up.

utterance: Mhm.

utterance: We're gonna need to start by getting your full first and last name.

utterance: So my first name is Buckxs. It's B U C K X S Buckxs. Larieee L A R I E E E.

utterance: All right.

utterance: Mhm.

utterance: And I'm gonna need your date of birth.

utterance: Date of birth October seventeenth, I am a Scorpio, nineteen eighty-seven.

utterance: Alright, and I'm going to need both your social security number and your driver's license or state-issued ID.

utterance: Social security gonna be three two two six nine eight one zero and that DL D nine eight D nine eight one two.

utterance: Wonderful and I'm going to need the four digit PIN to access your account.

utterance: Seven one two zero.

utterance: All right.

utterance: Mhm mhm.

utterance: I just need a moment here while my system loads.

utterance: All right, have you had any pumpkin spice today?

utterance: I have not. I haven't had it at all this season yet.

utterance: What? You better catch on up if it's your flavor. If not I totally understand. Just kidding, I don't.

utterance: I do. I enjoy it, especially around this time of the year.

utterance: Good to know. Good to know. What's been keeping you from it?

utterance: Oh just the really out long hours that we work here at Intellibank.

utterance: Mhm mhm. .

utterance: Unfortunately we're doing twenty hour days here now.

utterance: Wow! Twenty-hour days.

utterance: Yup. We're understaffed.

utterance: You know what I'm gonna do?

utterance: What's that?

utterance: I'm gonna have a case of pumpkin spice can latte sent over. Which facility do you work at?

utterance: Oh, we're in the Tempe Arizona building.

utterance: Calling center Tempe Arizona.

utterance: call

utterance: Center yes.

utterance: Intellibank.

utterance: All right. There. There we go. I just sent it through.

utterance: Oh, thank you very much.

utterance: You're welcome.

utterance: OK. We are into your account.

utterance: Ooh.

utterance: And you said that you were looking to get your debt-to-income ratio today?

utterance: Yes Sir.

utterance: All right. Over what time period would you like to get that?

utterance: Oh. How about the last five months?

utterance: All right. Last five months. And what was your gross income for last year?

utterance: That would be one hundred and eighty thousand dollars.

utterance: All right.

utterance: Mhm mhm.

utterance: And just so you know for future use.

utterance: Mhm.

utterance: If you don't want to take the time to call us this information is always available seven days a week, twenty-four hours a day online by using our online services at Intellibank dot com.

utterance: Mhm.

utterance: Good to know.

utterance: Or you can also download our app onto your smartphone either Apple or Android.

utterance: Oh!

utterance: Available at the App Store.

utterance: Mhm mhm.

utterance: And then inside both the app and the online banking services is a calculator that is going to help you with figuring out that debt ratio.

utterance: Well.

utterance: Yeah.

utterance: All right.

utterance: And I see that you're not signed up for either of those services.

utterance: I'm not.

utterance: But it is very easy to do.

utterance: Mhm mhm.

utterance: You either download the app or go online. It's going to ask you for the same info that I already asked you for today and you pop that in and then you'll be signed up to get this information online.

utterance: I'll be doing that as soon as we get off this call.

utterance: Excellent.

utterance: Mhm mhm.

utterance: but before we get off that call let's get your debt-to-income ratio.

utterance: Let's get it.

utterance: So, what we're going to do is take the value of your company's monthly debt payments.

utterance: Yeah.

utterance: And we're going to divide that by it's gross monthly income.

utterance: Uh-huh.

utterance: And it looks here that your current debt-to-income ratio is thirty-two point nine percent.

utterance: Pretty high percentage.

utterance: Hell. You know I've seen higher, if that makes you feel better.

utterance: It does.

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

utterance: No.

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

utterance: You too.

utterance: Thank you.


utterance: Thank you for calling Intellibank, this is Penelope, how can I help you?

utterance: Hey Penelope, how you doing today?

utterance: I'm doing so good, how about you?

utterance: I'm doing good and I I gotta say, your your name gave me a smile because I flashed back to being a kid and the cartoon character, Penelope Pitstop.

utterance: Oh, wow. That is seriously, because of the name My mom, has bought me copies of like the DVDs of Penelope Pitstop and I absolutely love her.

utterance: I I'm guessing you hear that a lot when people hear your name?

utterance: you know what? Not as much as you would think.

utterance: that's a shocker.

utterance: I know right.

utterance: Or, or maybe it's just a younger crowd maybe?

utterance: I don't know, but I love Penelope Pitstop.

utterance: You got to, you got to, it was just, it was great entertainment.

utterance: I I I.

utterance: Gosh, what a great cartoon.

utterance: It was, it truly was.

utterance: It was really fun.

utterance: They don't make them like that anymore.

utterance: No, and like, she was so like she came off as like so helpless but then she's like flying planes and like and she was like a bad chick but.

utterance: You know, I like, I love it.

utterance: she was, she might be the original girl power.

utterance: Yeah, I told my mum like, why didn't you make my middle name Pitstop?

utterance: That would've been funny right?

utterance: All right.

utterance: That would be great.

utterance: I love it, love it, love it.

utterance: Well I I guess maybe I'm not so much like Penelope Pitstop I I'm a very, I try to be a very structured person.

utterance: OK.

utterance: To avoid situations that Penelope would get into. So, I'm just wondering, you know, I I have different loans with different banks. And, I was trying to see like somehow, someway, to a way to get a more structured set up with my business loan through Intellibank. Is there anything that you could offer or suggest?

utterance: Mhm mhm.

utterance: Yeah, I mean right now if you want to if you wanna if you want to schedule the payment, right now with me. We can go ahead and get that taken care of and then I can tell you how you can just have that as a recurring.

utterance: Ya, see, yeah that's that's exactly what I was thinking, but I just couldn't.

utterance: Do you wanna do that or?

utterance: OK.

utterance: Didn't know the exact wording of it.

utterance: Well, sometimes it's my job to interpret.

utterance: There you go you did a hell of a job Penelope.

utterance: All right.

utterance: So let's Let's get started. What is your first and last name?

utterance: My name is Josh.

utterance: OK.

utterance: Silvers.

utterance: OK Mr. Silvers And what's your date of birth?

utterance: March twenty-first, nineteen eighty-five.

utterance: OK. And your PIN number?

utterance: two one eight five.

utterance: And, and I just need to verify your phone number.

utterance: Oh, it's six one oh three five two.

utterance: Mhm.

utterance: Two one one three.

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

utterance: hang on one second, let me get that numb?

utterance: OK. whenever you're ready I I I'm here.

utterance: OK I got it.

utterance: OK.

utterance: OK, that number is, oh nine.

utterance: Mhm.

utterance: One five.

utterance: Mhm.

utterance: Seven one six six three.

utterance: OK. And what is the payment bank account number?

utterance: that number is oh.

utterance: Mhm.

utterance: Eight eight six.

utterance: Mhm.

utterance: One one seven. zero nine.

utterance: OK. And, the routing number on that?

utterance: OK. zero zero one.

utterance: Mhm.

utterance: Six oh seven.

utterance: Mhm.

utterance: Excuse me.

utterance: Long day? I know right? I know. Especially with the daylight savings time, oh, it's just I feel like you know? By the time it's seven p.m. I feel like it's midnight.

utterance: Yeah

utterance: Yeah.

utterance: Right, don't you?

utterance: I I can't stand it.

utterance: It's crazy.

utterance: I don't.

utterance: Know what the point was? and

utterance: I know.

utterance: I

utterance: Hate it.

utterance: I, but I.

utterance: I'm sorry.

utterance: Before I get the routing number is that all you need? All right it's zero zero one.

utterance: I'm so sorry.

utterance: Yes yes.

utterance: Mhm.

utterance: Six oh seven.

utterance: Mhm.

utterance: Nine six five.

utterance: OK. OK. And when do you want the payment date to take effect?

utterance: tomorrow is fine.

utterance: OK. OK, so. By tomorrow, and do you want that do you want a specific date every month, or

utterance: the same date every month would be perfect yeah.

utterance: OK.

utterance: Why don't you do it, like, on the fifteenth of each month? This way it's like.

utterance: OK.

utterance: Consistent so I'll set it up for the fifteenth. All right. And do you know what I wanted to tell you? I think it, you should, get set up for online banking.

utterance: OK.

utterance: This way, the, you, the this'll come, you can set that up automatically to come out every month, recurring, and you don't have to call. It'll just come out.

utterance: OK, well that sounds, that sounds like a good deal.

utterance: All right. So, I'm gonna set you up for that and just send you a link over.

utterance: OK.

utterance: And what you'll do is just read through, E sign it, and then you'll get your welcome online email, probably within twenty-four hours.

utterance: OK.

utterance: So, what's your email?

utterance: Josh Silvers.

utterance: Mhm.

utterance: Eighty five.

utterance: OK.

utterance: At Gmail dot com.

utterance: And is that a capital J?

utterance: Yes it is.

utterance: OK. All right, Mr. Silvers. So, I sent that over to you. Is there anything else I can do for you, while I have you on the line?

utterance: No that's everything.

utterance: well thank you so much for being part of Intellibank.

utterance: Thank you.

utterance: Have a great night.

utterance: You too.

utterance: Bye bye.


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

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

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

utterance: Oh I'm inquiring about my loan that I got for that vintage Toscano pizza oven last month.

utterance: OK.

utterance: Yeah it's been going great. I mean it's increased business by at least I think ten percent. But if I can get a statement on that, that would be great.

utterance: Certainly let me see here. Let me switch screens for a moment. OK. could I please get the first and last name on the account?

utterance: Yeah. That's John Rivers.

utterance: Date of birth?

utterance: One eighteen of eighty-four. And the account numbers are twenty-three seven nine zero seven five zero zero one.

utterance: OK is the loan number the one zero zero one is that your loan number?

utterance: Oh.

utterance: Which one is your loan number?

utterance: Oh sorry I those are my account numbers. Let me put you on hold so I can get the loan number.

utterance: OK.

utterance: All right yeah. Here it is. The loan number, that was my checking and savings account. the loan number is nine nine two seven nine.

utterance: OK. That sounds about right. That looks right actually. Most of our loans start with a nine.

utterance: OK.

utterance: So looking over your loan here, it looks like you did not opt in for statements of any kind, mail or electronic. is that something you'd be interested in at this time?

utterance: Oh.

utterance: For monthly statements.

utterance: yeah that would be great but if I could also get a statement immediately?

utterance: Yeah, not a problem. for the statement that you were sorry, for the statement that you were requesting today, did you want that mailed or emailed to you?

utterance: may if I could get that emailed.

utterance: OK. If I could just get a good email address?

utterance: That's John Rivers at Rivers dot com.

utterance: OK. And what was the time period you wanted the statement to reflect?

utterance: if I can get all time from the beginning to now.

utterance: OK yup. So it looks like you opened up this loan or I'm sorry the loan was approved about a year ago. Does that sound about right?

utterance: yeah that sounds correct.

utterance: OK. And I see you don't really have much activity other than within the last month or so but I will go ahead and I will send this over for all the activity from the very onset of your loan. OK, you should be receiving that email here momentarily. Now for future loan statements, were you wanting these ones mailed or emailed to you?

utterance: email would be fine.

utterance: OK and you want the same email address?

utterance: Yes, that's correct.

utterance: OK. One moment here. And are you wanting these as a monthly Are you wanting these every three months, every six months, how do you want your statements to be?

utterance: If I could get those monthly.

utterance: OK. Just give me one moment here. OK. So I've got everything set up here. I've got your new automatic loan statements being emailed to you every month and I just sent the the current loan statement that has all the since you opened your loan, all the transactions.

utterance: All right that sounds great thank you Sam.

utterance: OK if you have any other problems with that or need anything else don't hesitate to reach out, we are more than happy to help.

utterance: Sounds great.

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

utterance: You too.

utterance: Bye bye.


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

utterance: Hiya Jerry, what is ten thousand dollars to the pound, to change to the pound? What's the rate on that?

utterance: Sure, sure, I'll be happy to assist you with that. If I could just ask, do you have an account with us?

utterance: Yes, sir.

utterance: OK. What's your first and last name?

utterance: Ben Freeman.

utterance: And Mr. Freeman, if I could ask, what's the name of the business you have on file?

utterance: Oh, Ray's Construction Company. Ray's Construction Company. And also give me a balance on my complete account.

utterance: Sure, sure. We happy and glad to assist with that, Mr. Freeman. I'll just ask a few more questions because we do take your account security very seriously here, and it is for you and your business's protection.

utterance: Mm.

utterance: Mr. Freeman, if I could ask what is your date of birth?

utterance: Three twenty-six nineteen seventy.

utterance: And what is your account number?

utterance: my account number is seven nine eight six eight nine one two.

utterance: And what is your PIN number?

utterance: The PIN number is one seven zero nine.

utterance: Terrific, terrific. Thank you for that. And while I'll get this pulled up, how's everything going for you today?

utterance: Oh, all all is well, all is well. I have no complaints. We're just just just rolling with it, tryna get some stuff out the way. Thinking about go and we'll take some buy some things out of the country and show my face over there so need to know what how far my money go.

utterance: Indeed, indeed. I mean it's sounds fun, are you just planning any trips out of the country before the end of the year or are you going to hold over until next year due due to the pandemic?

utterance: it depends on how more on my how the business flow and the business flow good we take a chance and go there now.

utterance: There you go, there you go. just make sure you check those countries because so many of them now have certain restrictions on who can and can't come in, but it's you know if if that's one of those that you can you may wanna do it.

utterance: Oh yeah, you're right. Sure will.

utterance: Now Mr. Freeman, I was able to pull this up here for you and it appears that the balance for your business total checking account, you have approximately twenty-five thousand dollars in that account.

utterance: OK. All right. That sounds OK.

utterance: And when it comes to the exchange rate on ten thousand dollars into pounds, that's approximately seventy-four hundred thirteen pounds, that translates into the ten thousand US dollars.

utterance: OK. All right. That sounds good. An education to me.

utterance: Yes, sir. and with that being the case, was there anything else that I could assist you with?

utterance: Well also I'd like to change my address, street address. Could you help me with that?

utterance: Oh certainly. Absolutely. so, have you moved locations?

utterance: yes, I have another location, yes sir.

utterance: OK, well when you say you have another location, are you saying you moved locations? I'm assuming if you're or are you adding a location?

utterance: move to another location. I just wanted to only change the address for that one. Yes, sir.

utterance: OK. Terrific. And and what was the old address?

utterance: The old address is three six eight eight Lehman Court, Smyrna, Georgia three zero zero eight oh. That's the old address. The new address would be ten seventy-five Lehman Court, Smyrna, Georgia three zero zero two.

utterance: OK, well, I'm gonna repeat that just so that I have everything correct. So, the old address was which one exactly, sir?

utterance: The the old address is it's three six eight eight Lehman Court, Smyrna, Georgia, three zero zero eight oh.

utterance: OK. Yes. I think that's what we have on file.

utterance: old address.

utterance: And the new address is ten seventy-five Lehman Court, Smyrna, Georgia three zero zero two.

utterance: OK. Terrific, terrific. and let me repeat that back to you. you said that was one zero seven five Lehman's Court?

utterance: Right.

utterance: Smyrna, Georgia three zero zero zero two.

utterance: Right. That's correct.

utterance: OK. And I'll see if I can get this processed in the system here and Mr. Freeman I was able to get that processed into the system for you. And is there anything else I can assist you with?

utterance: Oh, hey hey that that's good, I appreciate that. You gave me all the info I need on on this change of the from from dollar to the pound and got that address update. Hey hey man, you're hitting home runs.

utterance: All right, well we certainly do appreciate you giving us a call and I'm glad that we were able to assist you here today.

utterance: Oh, thank you very much.

utterance: Thank you, you have a great day.

utterance: You too. Bye bye.


utterance: Good afternoon and thank you for calling Intellibank. My name is Megan and I will be assisting you on this call today. How may I help you?

utterance: Megan, I, I got a notification that stated that interest rates for the SBA seven A loans were changing. And I wanted to call and see what those changes were. Are they going up, are they going down?

utterance: What does your notification say? Does it does it state rates in there cuz I don't see the I don't see the mail. I, I can tell you what the current rates are.

utterance: Well, the, the notification just said that SBA seven A loan rates have changed and we should call an expert to find out. So I figured I'd call Intellibank and see what I can find out and if the rate's to my liking go ahead and apply.

utterance: OK.

utterance: OK, absolutely. all right, for the Intellibank SBA seven A loan interest rates, they currently are at two percent and they will stay fixed for the entire terms of the loan.

utterance: so Intellibank can hold that, that rate for the entire ten years?

utterance: It's not necessarily Intellibank that's holding it. It's because this is an SBA loan and it is backed by the federal government. And that's how we're able to offer customers such a low rate and for a fixed amount time.

utterance: OK. All right, so can I apply through you?

utterance: Absolutely, it only takes a few minutes. would you like to go ahead and start now?

utterance: Let's do it.

utterance: OK, great. May I get your first and last name, please?

utterance: my name is Spencer Anderson.

utterance: OK, A N D E R S O N?

utterance: Correct, yes.

utterance: OK, very good. Spencer, let me with your four digit PIN number so I can access your account information.

utterance: Six nine nine three.

utterance: Six nine nine three. OK, thank you. And what is your social security number, please?

utterance: Two one three.

utterance: Two one three.

utterance: Four nine five. Six zero seven six.

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

utterance: Five two four six zero seven eight nine two three.

utterance: OK. And what is your email address?

utterance: It is Mister at The Gentlemen Code dot com.

utterance: OK, I like that.

utterance: And are you the sole business owner?

utterance: I am. Yes, I am.

utterance: OK.

utterance: And when did Mr. Gentleman establish your business?

utterance: This was established back in two thousand and eight back in August.

utterance: I have to tell you why I'm chuckling. You're not gonna believe the name of my dog.

utterance: Mister?

utterance: Mr. Gentleman.

utterance: Mr. Gentleman. OK.

utterance: That.

utterance: Really is his name.

utterance: Very good. That's a good name.

utterance: OK. I, I would agree. The shelter named him and I just couldn't, I didn't have the heart to change it.

utterance: You didn't want to change?

utterance: It? Cuz he was responding to that so you have to.

utterance: Yeah, and he really is a little gentleman, too. OK, and what are your gross annual sales?

utterance: for the previous year it was two hundred and fifty thousand.

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

utterance: My tax ID number is five two seven.

utterance: Mhm.

utterance: Eight nine three.

utterance: Mhm.

utterance: Four five two seven.

utterance: Four five two seven. OK. And what is the address where your business is located?

utterance: We are located at eight nine zero zero Pine Road. Los Angeles, nine zero zero zero eight.

utterance: OK, great. And mailing address is the same as the business?

utterance: That's correct.

utterance: OK, terrific. So as I was saying, Spencer, you can apply for up to ten years with that fixed rate of two percent. There is no penalty for paying off early. So how much would you like to apply for and how long would you like the terms?

utterance: We're gonna apply for one hundred thousand.

utterance: OK.

utterance: And I believe the length, we'll do Let's, let's do the ten year. Let's do ten years. Yeah.

utterance: Yeah, might as well.

utterance: OK. And when excuse me. Choking on my own words today cuz I need some water. upon approval, there will be a down payment required between five to twenty percent. And that will be due within the first forty-eight hours. How much would you like to put down?

utterance: Five percent.

utterance: Five percent. Terrific. And upon approval, we can deposit that directly into your business total checking account. And I have the routing number. Would you like the funds deposited there or someplace else?

utterance: Oh yes, that'd be great.

utterance: OK, terrific. OK, that's everything on my end. I did just generate an email to you with the confirmation number. Is there anything else that I can do for you?

utterance: No, that's it. Great job.

utterance: Terrific! All right. Well, thank you for calling Intellibank, and you have a great day.

utterance: Thank you.

utterance: Bye bye.


utterance: Thank you for calling Intellibank. My name is Jackson. How can I help you today?

utterance: Hi so I have several things that I would like you to help me with. I would like a help with my line of credit, and then also an internal transfer if we could start with with either one of those that would be fine.

utterance: Absolutely. Can I have your name?

utterance: Yes, my name is John J O H N Newson.

utterance: could you spell that last name for me?

utterance: N E W S O N.

utterance: John Newson. Got it, and could I have your credit. I mean, excuse me, your social security number and your PIN number.

utterance: Yes, my social security is three seven eight eight seven two seven five one, and then you're asking for my PIN, right?

utterance: Yes.

utterance: Yes, so my PIN is four four one two.

utterance: Got it. Thank you so much for that. I'm just pulling your account up now. All right everything is looking very good actually, and what were we doing for you again today?

utterance: So I had two things that I wanted to do. The first one was a line of credit.

utterance: Got it, and what what limit would you be looking for there?

utterance: I would say a hundred thousand dollar limit.

utterance: Was that eight hundred thousand or?

utterance: Hundred thousand.

utterance: Hundred thousand? Got it. All right. One second. OK I'm just pulling up the application page so I no longer have access to the information you just provided for me. Could you. Unfortunately, I'm gonna have to get you to provide it again. Could I get your social security number?

utterance: Yes, it's three seven eight eight seven two seven five one.

utterance: Got it, and do you have your Driver's License?

utterance: Yes, yes, two zero one six three four.

utterance: Perfect, and what state is that?

utterance: Florida.

utterance: Florida. Got it, and what's a good email?

utterance: Newson at Yahoo dot com.

utterance: And Newson is N E W S O N, correct?

utterance: That is correct.

utterance: At Yahoo dot com, and what's the name of your business?

utterance: Newson's Knick Knacks.

utterance: Newson's Knick Knacks. Is that K N I C K K N A C K S?

utterance: K N I C K K N A C K S, yes.

utterance: Got it. All right and what when was your business established?

utterance: it was established on November thirtieth nineteen ninety two.

utterance: All right, and you're the sole owner?

utterance: Yes.

utterance: Great. what are your gross annual sales?

utterance: five hundred thousand.

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

utterance: Yes. Three seven two nine eight six.

utterance: Excellent and what's the address to your business?

utterance: The address to my business is three two three Reading Avenue, Tallahassee, Florida, two one zero five two.

utterance: So, righty, and that would also be a good mailing address?

utterance: Yes.

utterance: Perfect. Perfect. All right. We just gotta run that right now and hopefully we get some good news. Just bear with me. Oh, fantastic, you were just approved for your hundred thousand dollars.

utterance: Oh, that's wonderful.

utterance: All right. I will be sending out an email detailing everything from this transaction and I could give you a confirmation number but that will also be in the email so.

utterance: That's fine in the email.

utterance: Perfect. And the second thing that we're helping you with today?

utterance: Yes, I would like to do an internal transfer between two accounts.

utterance: Perfect, no problem. just let me get back to your original account page. I need to get in again. Could you give me that PIN one more time.

utterance: Four four one two.

utterance: Perfect. OK and could you give me the account number that you want to withdraw from.

utterance: Yes, so the account number that I would like to withdraw from is nine two five six six seven and the account that I would like to deposit into is seven seven five six two five.

utterance: Got it. So we're depositing into seven seven five six two five, correct?

utterance: Correct.

utterance: Perfect, and how much are we depositing?

utterance: twenty thousand.

utterance: Twenty thousand. Just so you know, there is a two per cent charge on all wire transfers. Is that something that is still gonna be OK with you?

utterance: Yes, that's fine.

utterance: Perfect. All right, just putting that through right now for you. All right, that has went through. You should see your funds available within two hours, Mr. Newson. And I can also send you another email detailing everything from that, if that's OK.

utterance: Yeah, that's fine. Everything by email is great.

utterance: Perfect. All right, that email has been sent, and if you don't see those in your inbox just check your spam folder, because sometimes we get sent there. and is that everything I can help you with today, Mr. Newson?

utterance: Yes, that's everything.

utterance: Perfect. Well, you enjoy the rest of your day and thank you so much for banking with Intellibank.

utterance: Thank you very much.


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

utterance: Hello Robert. How are you?

utterance: I am great. How are you doing?

utterance: I'm overworked and underpaid but.

utterance: I.

utterance: I understand.

utterance: Yeah.

utterance: Do you also work for Intellibank?

utterance: No. I have my own small business.

utterance: Oh congratulations.

utterance: Thank you.

utterance: I probably shouldn't have said that. They record some of these calls.

utterance: Hopefully it'll be overlooked.

utterance: do you already have an account with us?

utterance: I do yes.

utterance: great. Well let's start by getting that pulled up here.

utterance: OK.

utterance: So I can see what I can do for you today. let's get your full first and last name as it appears on the account.

utterance: OK.

utterance: Priscilla Rune.

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

utterance: My date of birth is September thirteenth nineteen sixty-one.

utterance: And I'm gonna need your social security number and your driver's license ID number.

utterance: OK. The social security is three one one two zero one zero four one and my driver's license number is D nine eight seven one six five two.

utterance: Great. That all checks out here. And I'm just gonna need your street address as well.

utterance: Fourteen thirty-six Willabee Way Washington Place, Washington nine zero zero four eight.

utterance: And the email address that's tied to this account?

utterance: That would be sassy saloons at iCloud.

utterance: And finally your four digit pin?

utterance: One seven three two.

utterance: All right. Hold on one moment here while this system loads.

utterance: OK.

utterance: This should just take a moment. I apologize.

utterance: No problem. What's the rest of your day looking like?

utterance: Well I got another twelve hours to go here at Intellibank.

utterance: Certainly. Twelve hour day.

utterance: How about yourself?

utterance: Oh. I I'm soon to be making myself a little bit of dinner. Feed my cats. I have a cat that I like to take on long walks so it's kinda what I'll be doing.

utterance: All right. Well I'm in your account.

utterance: OK.

utterance: And it looks like that there are three types of corporate credit cards that are available to you.

utterance: Mhm.

utterance: Our Intellibank Silver.

utterance: Mhm.

utterance: Business card.

utterance: Mhm.

utterance: Our Intellibank gold business card.

utterance: Mhm.

utterance: And our Intellibank platinum business card.

utterance: Mhm.

utterance: Which one of those would you like to apply for today?

utterance: How about the gold?

utterance: All right. And our gold has a limit of ten thousand dollars. Is that OK?

utterance: Yeah. Yes.

utterance: OK. And I just need some pieces of information about your business. what is your business's name?

utterance: Mhm.

utterance: Saloon Sass.

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

utterance: Yeah. Yes I am.

utterance: And what is the business's tax ID number?

utterance: The tax ID number is nine one four three two one four two nine.

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

utterance: June eleventh two thousand and twenty.

utterance: And what is your business's gross income?

utterance: We're bringing in about fifty thousand a year.

utterance: All right. And what was the purpose of you applying for the card today?

utterance: Just business related costs.

utterance: All right. That is completely understandable.

utterance: Uh-huh.

utterance: All right. Well your application here is done. well no, it's done. We I need one more piece of information from you to submit it.

utterance: Approved?

utterance: OK.

utterance: And that would be your security question.

utterance: Oh.

utterance: which is what was your first pet's name?

utterance: Golden Gerard.

utterance: OK. Golden Gerard. All right. That application has been sent. OK. Well congratulations. It looks like you have have been approved for a ten thousand dollar Intellibank business gold card.

utterance: Oh!

utterance: Thank you.

utterance: You'll be receiving that in the mail in seven to ten business days.

utterance: Thank you very much.

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

utterance: Not today.

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

utterance: OK.

utterance: You

utterance: Too.

utterance: Bye.


utterance: Hey. This is Sly with Intellibank. How may I help you today?

utterance: Hi. I actually called you guys yesterday to make a payment from my account but you said you weren't able to get in because I wasn't answering the information. I think it's a little bit ridiculous that you guys are asking for my Social Security number over the phone. Like who are you? How do I know who you are?

utterance: Yeah. I I can understand your frustration. yeah. Well let's see if we can fix that today.

utterance: OK. Can. We're going to see if we can fix that today? Can I hear that we're going to fix that today?

utterance: I'm going to do my best. How about that?

utterance: All right, let's get. Let's get it going.

utterance: OK. Now to start can I have your first and last name?

utterance: It's Randi Rydell. And that's Randy R A N D I.

utterance: Mhm. And how do you spell your last name?

utterance: Don't you have this on file?

utterance: I. I'm just verifying. These are steps they told us to make. So I'm just doing.

utterance: All right. All right.

utterance: Whatever. It's R Y D E L L.

utterance: OK. R Y D E L L. OK. And what is the credit card number for the account you're referring to?

utterance: Hold on. Let me grab that.

utterance: All right.

utterance: All right. Are you ready?

utterance: Yes.

utterance: OK. It's five five three nine.

utterance: Five five three nine.

utterance: Seven eight seven six.

utterance: Seven eight seven six.

utterance: Three three two one.

utterance: Three three two one.

utterance: Five five seven nine.

utterance: Five five seven nine. And what is the PIN?

utterance: You need my PIN too?

utterance: Yes.

utterance: This is honestly unbelievable. I've never had to answer so many questions just to get into my account.

utterance: this is a new procedure they've been doing over the past month. So.

utterance: Well I think you should probably speak to your supervisor and let him know that there are plenty of people that their time is limited and we don't have time to answer all these questions.

utterance: Well, I I'm sorry that you're busy. I'm just doing what they tell me to do. You know.

utterance: All right. You're doing what they tell you to do. All right. Whatever. OK. So it's one five nine eight.

utterance: One five nine eight?

utterance: Mhm.

utterance: OK. And, you know, again because of procedural, they have us ask you you're date of birth?

utterance: Seven five eighty-six.

utterance: K. And what is the name of your first pet?

utterance: You've got to be fucking kidding me. try Fluff and Stuff.

utterance: Fluff and Stuff. That's a great name. Fluff and stuff.

utterance: Yeah my my dad ran over that dog with his car.

utterance: I am sorry to hear that. well, that is that is the the correct security question so I'm not sure what happened yesterday but you are verified. So what can I do for you today?

utterance: OK. So I just want to go ahead and schedule a payment for my credit card. my my husband, or should I say, ex-husband. we're getting a divorce and I just wanna settle all of my things before we get into the legal aspects of that.

utterance: Oh.

utterance: OK.

utterance: He's a fucking bum, he doesn't do anything all day. I'm the bread winner of the family. We have two kids and so I'm gonna be paying alimony out the asshole. So I just wanna go ahead and make this payment. Get my financials in order. Is that something that you can help me with today?

utterance: Right.

utterance: Yes I absolutely can. OK. So, how much are you looking to pay today?

utterance: What's my balance?

utterance: Your balance at this point is actually twelve thousand five seventy-six and sixty-seven cents.

utterance: All right. And that's as of today?

utterance: That is as of today. Yes. That is correct.

utterance: All right. Well let's just pay it all.

utterance: OK. Do you want to do that today? You want to do that later? You're trying to get it all out. Get it all out there?

utterance: Do I look like the type of person who wants to wait to do it next week?

utterance: OK. I I I get you. I get you. All right. So I I'm gonna need to have the bank account number and the routing number.

utterance: And there's no way that you can pull that up in the system? I have to go look through my files to find that for you?

utterance: It's it's just again, procedural. I I.

utterance: OK. OK man. One second.

utterance: OK.

utterance: OK. I got it. But you guys, you really should streamline this system. This is a huge incredible waste of my time.

utterance: Yeah, I would love to do the same. Believe me. All right. what have we got?

utterance: Four three.

utterance: Four three.

utterance: Seven six nine.

utterance: Seven six nine.

utterance: Five five.

utterance: Five five.

utterance: Three two one nine.

utterance: Three two one nine?

utterance: Mhm.

utterance: OK. And what is the routing number?

utterance: Jesus. Three three seven six nine four.

utterance: Three three seven six nine four. OK. Well I put that in there and yeah, it's good to go. Is there anything else I can do for you today?

utterance: No.

utterance: OK. Well I I apologize for what you've been going through. I. Especially with yesterday and I hope things get better for you.

utterance: Yeah. I'm sure you do. Bye!

utterance: Bye.


utterance: Hi, thank you for calling Intellibank customer service support. My name is Jimmy and I'll be your customer service representative. How can I help you today?

utterance: OK, Jimmy listen. I man I just. I I gotta do I gotta do a lot of things man. I gotta change my PIN. I gotta I wanna apply for a loan. I wanna check make sure all my account information is up to date and I've been calling you guys. I've been on hold for an hour and twenty minutes and the automated service says thirty minutes. I had to take a two-hour lunch. so it's been really frustrating and I hope you're Jimmy you're you're the you're the guy with the answers man cuz I've been like. I've been waiting for a while so let's get some stuff done, yeah.

utterance: Well, I can certainly do that for you and I'm so sorry for the wait. You we usually are pretty accurate with our wait times but that was that sounds horrible so I'm sorry about that. from what you told me it seems that you have two issues and maybe we can tackle them one by one if that's all right with you?

utterance: Yeah, let's do it.

utterance: OK, so the first issue you had was you wanted to change your PIN number. Is that correct?

utterance: Correct.

utterance: All right so in order to do that I'm going to need to ask some sensitive information to verify your identity. Let's start with your first name and last name.

utterance: OK, first name is Dane. Last name Lewis.

utterance: OK, and how do you spell Dane and Lewis?

utterance: Dane, D A N E. Lewis, L E W I S.

utterance: Thank you Mr. Lewis and can I get your date of birth, please?

utterance: Date of birth is September twenty-fifth nineteen seventy-eight.

utterance: Nineteen seventy-eight. Great. Just logging that in. OK, so just to verify that this is the correct account, can I get your old PIN?

utterance: Old PIN is eight one eight two two.

utterance: Eight, one, eight, two, two. Great. And from what I understand you are changing that to a new PIN?

utterance: Yes.

utterance: All right, what is your new PIN?

utterance: Six, five, six, three, three.

utterance: Six, five, six, three, three. Fantastic. Just going to verify that the new PIN is changed. You go ahead and store that somewhere where you can have it readily available. All right, and now I believe you had a second issue that you wanted to address? How can I help you with that?

utterance: Yeah, I wanna yeah, I gotta I wanna get a loan. The SBA loan that you guys offer. The seven A.

utterance: yeah, let's let's get that going. Yeah, we can absolutely provide you with a small business administration loan. The seven A is a fantastic loan and just to go forward with that, I'm going to have to verify some information about your business, if that's OK?

utterance: Yeah.

utterance: see we see here that you have a a business account with us so we'll go ahead and look into that. What is? This is gonna be a little redundant. We'll be asking some of the same questions that we just asked but I have to do it so bear with me. What is your first name and last name?

utterance: Dane Lewis.

utterance: All right and your street address?

utterance: Is sixty-five West Tangerine Place.

utterance: Fantastic. And what is the the city and state and ZIP?

utterance: Yeah, Malibu, California. Nine, three, five, three, eight.

utterance: Great. What is your social security number?

utterance: Three, seven, four, zero, six, zero, five, five, four.

utterance: Great, and what is the driver's license?

utterance: Driver's license is D six, five, two, five, one, nine, three.

utterance: And the state for that?

utterance: California.

utterance: Great, and I know you just told me but what is the PIN?

utterance: The new PIN is six, five, six, three, three.

utterance: Fantastic. And what email is that going to be?

utterance: It's just Dane Lewis eighty at Gmail dot com.

utterance: Fantastic. And what's your business name?

utterance: The Cat Lounge.

utterance: The Cat Lounge and are you the sole owner?

utterance: I am.

utterance: Great and what day was your business established?

utterance: Just last year, January fifth two thousand twenty.

utterance: Fantastic and what has been your gross annual income I or your gross annual sales?

utterance: About two hundred and forty thousand.

utterance: Wow, it has been a great first year for you.

utterance: It has.

utterance: And how about that tax ID number. What is that?

utterance: OK, give me one sec. It's Tax ID is five, five, four, two, six, one.

utterance: Fantastic, and what is the business street address?

utterance: Four, nine, six Rutherford Avenue, Santa Monica, California, nine, one, five, four, one.

utterance: And I'm going to assume that you'd like that as your mailing address?

utterance: Correct.

utterance: Fantastic. I'll go ahead and make that change. So what would be the purpose of this loan?

utterance: I expanding my business. Hiring more staff. Investing in better wines. for the lounge. Really upping the game. Getting more premium wines so I just need a little bit of more capital.

utterance: Yeah, well based on your gross annual sales, I think there will be no problem to get this loan approved. What is the total amount you would like?

utterance: Thinking about eighty thousand.

utterance: Eighty thousand, that should be no problem at all. And what would be the down payment percentage that you would like to put down?

utterance: Just ten if that's OK?

utterance: Ten percent, that's absolutely fine. No worries. OK, so we'll go ahead and start that application. I'm going to need two more pieces of information from you. The first one being the funding bank account number?

utterance: OK, so here we go. Bank account three, two, two five, five, five, six, one.

utterance: Fantastic, and what will be the funding routing number?

utterance: Eight, three, three, zero, five, one, five, two, two.

utterance: Fantastic. All right, so this will take some time, a couple of days to get it approved. I'll go ahead and put the application in but please look out in your email for for a request for additional information and we'll get this application through as quickly as possible. is there anything else I can help you with today?

utterance: That's it.

utterance: All right, thank you for being a loyal customer and I hope that I have addressed all your concerns today.

utterance: Thank you.

utterance: All right, take care.

utterance: Bye.


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

utterance: Hey Brenda, how are you doing today?

utterance: I'm doing quite well ma'am. Thank you so much for asking. I hope you're having a wonderful day yourself?

utterance: Yes ma'am I sure am, thank you. I'm calling because I do need to update some of my personal information on my account.

utterance: I'd be more than happy to assist you with that today ma'am. I do need to get some information from you first so I can pull up your account. May I have your name your first and last name, sorry?

utterance: Oh that's OK. This is Cora C O R A and my last name is Hayden H A Y D E N.

utterance: Thank you so much Miss Hayden and may I have your date of birth please?

utterance: Yes ma'am. It is March the seventh nineteen eighty-one.

utterance: I have March the seventh nineteen eighty-one. Thank you Miss Hayden. And may I have your PIN number please?

utterance: Yes ma'am. Absolutely. The PIN number Excuse me! It is two eight zero three seven nine one no I'm so sorry. Let me repeat that back to you. That was incorrect. The PIN number is two eight zero three seven nine six one.

utterance: OK Miss Hayden. So that was two eight zero three seven nine six one?

utterance: Yes ma'am that is correct.

utterance: Thank you so much and you're calling with best stereo and sound?

utterance: I sure am!

utterance: OK great thank you. And what personal information was it that you'd like to update today?

utterance: it would be my email address. We actually switched our telephone provider so I have an A I'm sorry an A T and T email address now.

utterance: I'd be more than happy to assist you with that Miss Hayden. May I have the email address you would like this updated to?

utterance: sure. The original email address was best underscore stereo underscore sound at Hotmail dot com but we have changed it to best underscore stereo underscore sound at A T T dot net.

utterance: Thank you so much Miss Hayden. Let me just double check and make sure I do have this correct. I have your new email as B E S T underscore S T E R E O underscore S O U N D at A T T dot net.

utterance: Yes ma'am, that is correct.

utterance: Thank you so much Miss Hayden. I do have that updated for you. Is there anything else that I could assist you with today?

utterance: yeah actually let's see. While I have you on the phone would it be possible for me to go ahead and check the balance on our real estate loan?

utterance: I'd be more than happy to check that for you, Miss Hayden. May I have that loan number please?

utterance: Sure. It is three four seven zero three three seven zero nine four.

utterance: OK. I have three four seven zero three three seven zero nine four. Was that correct?

utterance: It sure is.

utterance: Thank you so much, Miss Hayden. Just one moment.

utterance: I have that balance at eight hundred forty-one thousand seven hundred thirty dollars and seventy-one cents.

utterance: OK great thank you. That was eight forty-one seven thirty seventy-one?

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

utterance: OK thank you. And also, I'm sorry, one more thing We also have the Intellibank business silver card. Could I check the available balance for that?

utterance: Absolutely, Miss Hayden. May I have that card number please?

utterance: Yes, ma'am. It is five two four one three five five two four nine six seven two two eight one.

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

utterance: Yes, it sure is Brenda.

utterance: Thank you so much. Just one moment.

utterance: I'm showing that available balance as three thousand five hundred ninety-seven dollars and thirty-nine cents.

utterance: OK so thirty-five ninety-seven thirty-nine.

utterance: Yes ma'am Miss Hayden that is correct.

utterance: OK great thank you Brenda.

utterance: Thank you Miss Hayden. Was there anything else I could help you with today?

utterance: No ma'am that'll be all. Thank you so much.

utterance: And thank you Miss Hayden for calling Intellibank. Have a wonderful day.


utterance: Good morning. This is Joseph Ross. I'm following up because I still have not received my new checks.

utterance: Good morning, Mr. Ross. I'm sorry to hear that. May I have your account number so that I can research this?

utterance: What will happen if you can't find the checks? Am I responsible for any charges on them? The checking account number is seven five nine eight two three six four.

utterance: Thank you, sir. Give me just a moment, please, while I pull up your account.

utterance: Go right ahead and do what you need.

utterance: Thank you for holding, sir. I see that we ordered your checks two weeks ago. You should have received them by now. Give me just a moment, sir, while I address this issue.

utterance: Almost there, sir.

utterance: OK.

utterance: Thank you for continuing to hold, sir. I put number out to track that order and issue a rush replacement for you. Your loot will make sure that any checks written against your account with a missing check will not be honored by our bank. Let me just confirm, sir, that the address the checks should be going to is High Street Lanes, twenty-five High Street, Carmel, California, nine three nine two one?

utterance: Yes. That is our business. We have run our bowling alley for three generations now. My grandfather was a champion bowler and never wanted to do anything else in his life. So he turned his passion into a way of making a profit.

utterance: It's always wonderful when people can do that. Thank you for confirming your address, sir. Please let us know if you have not received your new checks by the end of this week.

utterance: I'll do that. Thank you very much.

utterance: Is there anything else that I can assist you with today, Mr. Ross?

utterance: yes. I would like to add my daughter to my Intellibank Gold Card. She's going to school for accounting and has started helping me out in the in the office work.

utterance: Sure. Are you referring to the Intellibank Business Gold Card?

utterance: Yes, that's the one. I would like my daughter, Judy, added as a user. She will be graduating with a BS in accounting next year and will come into the business full-time then but she's already helping me out quite a bit. She is a treasure. Do you have any children?

utterance: I have a son and a daughter, and three grandchildren, who are the light of my life. The oldest one has a paper route and I love it when he comes into the bank to put money into his savings account of his new bicycle.

utterance: I did the same thing when I was younger. I was always say, children are our treasures. That's what I always say.

utterance: Indeed they are, sir. Let me help you add your daughter to your Intellibank Business Gold Card now, sir.

utterance: OK.

utterance: For the record, I need your first name again.

utterance: Joseph.

utterance: And your last name?

utterance: Ross.

utterance: And your date of birth, sir?

utterance: July eighteenth nineteen seventy-two.

utterance: And your PIN number?

utterance: Two seven one eight two eight.

utterance: May I have the account number?

utterance: One eight six three eight three two five.

utterance: And just to confirm, that's one eight six three eight three to five?

utterance: That's right.

utterance: Thank you, sir, and the new user's first name?

utterance: My daughter, Judy.

utterance: And her last name?

utterance: Her last name is Ross. The same as mine. At least for now.

utterance: Mhm. I understand, sir. What is the social security number?

utterance: Five seven eight three six five four seven eight.

utterance: And that's five seven eight three six five four seven eight?

utterance: Yes ma'am.

utterance: Thank you, sir, and what would you like her credit limit to be?

utterance: let's set it to ten thousand for now.

utterance: Very good, sir, and where would you like the new credit card sent?

utterance: High Street Lanes, twenty-five High Street.

utterance: And the city?

utterance: Carmel.

utterance: And the state?

utterance: California.

utterance: And ZIP code?

utterance: Nine three nine two one.

utterance: Do you know what she would like her PIN to be?

utterance: Let's make it eight five four two.

utterance: Eight five four two. Thank you, sir, and what is your daughter's date of birth?

utterance: October twenty-fourth, two thousand. We celebrated her twenty-first birthday last weekend.

utterance: I hope your family had a wonderful celebration. I have all the information that I need to add your daughter to your Intellibank Business Gold Card and I will follow up on your checks. Her new credit card should be mailed out within the next couple of days. Is that the only person that you need to have added to your account at this time, sir?

utterance: yes. My son is working on his PHD in archaeology. I am proud of him, but he has no interest in joining our family business.

utterance: I understand, sir. Is there anything else that I can help you with today, sir?

utterance: Well, we are contemplating opening up a new bowling alley downtown. If I need to add a new user to the card in the future is there a way I can do that online?

utterance: Yes, sir, you certainly can. Do you already have online access setup for your account?

utterance: yes. I pay the bills online.

utterance: When you log in to your Intellibank Business Gold Card, there will be a button on the right side labeled new user. You should have to answer some security questions when you set up that account. You'll need the answers to those questions to add a new user online.

utterance: OK. Thank you for your assistance. It's always a pleasure to call your bank. You have the best customer service people.

utterance: Thank you very much, sir. We are happy to hear that you are pleased with our services. Please let us know anytime we can assist your business in any way. Good day, sir.


utterance: Good afternoon. Intellibank. This is Daniel speaking.

utterance: Hi Daniel. I'd like to check my account balance if I could for one of my business accounts. Actually the my business checking account.

utterance: Okay. We can definitely help you with that, and May I ask you for you name and date of birth, please?

utterance: My name is John Henry. J O H N H E N R Y. And my date of birth is December fourth nineteen eighty-six.

utterance: Okay. And you said nineteen eighty-six?

utterance: Yes.

utterance: Okay. Thank you, Mr. Henry, and thank you for banking with us with your small business needs. One second. and Just to verify could you also give me the pin number associated with your account?

utterance: My pin number is eight eight thirty-four.

utterance: Eight eight thirty-four. Okay. One moment please.

utterance: Okay now so now we are accessing your business checking account and just to confirm, you wanted to know your current balance?

utterance: Yes.

utterance: Okay.

utterance: So right now the current balance is looking like eighteen thousand three hundred and fourteen dollars and eighty-eight cents.

utterance: Wait a minute. That was that was pin number eighty-eight thirty-four for account two five eight zero eight zero five seven seven four? Checking?

utterance: Do you mind repeating the account number again? Just.

utterance: Two five eight zero eight zero five seven seven four.

utterance: That's correct, Mr. Henry.

utterance: And that's for, that's for checking? Yeah that's what I thought but I have it, I have it in my records wrong. it turns. It's not my checking account that I need to confirm. It's actually my business savings account. And the pin for that is eighty-eight ninety-eight, and my savings account number is two six eight zero four five four seven nine six.

utterance: Okay. Could you repeat the we can we're happy to assist you with that and accessing your savings account. Do you mind repeating that account number one more time?

utterance: Oh wait no. Damn! That I'm sorry that that was that was wrong. That was a different that was a different savings account. That was my personal savings account at a at a at a personal bank. my business savings account. Sorry. It's it's two six seven. Two eight one five seven six eight.

utterance: Mhm.

utterance: One five seven six eight.

utterance: Yes.

utterance: Okay. So it looks like your current balance on that account is fifty-eight thousand eight hundred and fourteen dollars and fifteen cents.

utterance: Fifty-eight thousand? You know Man. You know I didn't put on the records that that trip to Vegas cost me more than I thought. It was you know cuz I took the the company out and I kind of gave one of our managers a credit card. You know just kind of being a nice guy. They they must have rang up way more on that than I thought. And then my my assistant I guess paid off my card from the savings things. I was expecting to have at least twenty thousand more in there. You know. I mean seriously, are you have any I mean do you trust your employees like that? Cuz I mean maybe I need to learn or something but What about you? You got any employees that you deal with?

utterance: Well, I mean here at the call center you know I you know we deal with you know clients all the time. We we are employees in a sense. So but you know I do I do hear what you're saying about access your account.

utterance: All right so. Let me, lemme ask you this then. If you, if your boss you know took you to Vegas and was just like yo here's a credit card, go have a good time. I mean would you of course take up on that offer and have a good time? Or would. But would you seriously like go rack up twenty grand worth of worth of chips and strippers and who knows what else? Or you know what I mean? That was kind of messed up. That's kind of taking advantage. I I think. But I mean, you personally, would you like take advantage of that that way or or would you be a little bit more courteous? Maybe hit an all-you-can-eat buffet, play a little blackjack, you know.

utterance: I hear what you're saying, sir. I I think I think I would probably opt for the second one. But again you know the scenarios are are different. But yeah. I I I I feel I feel your situation, Mr. Henry. And hopefully the the the number is accurate at least for the savings account.

utterance: Yeah the.

utterance: Yeah it sounds about right based on you know the receipts that I'm looking at right now. So anyway, appreciate you confirming. Thanks for all your help.

utterance: Yeah, absolutely. Anything else I can help you with? .

utterance: That'll be all.

utterance: Alright. Thank you for banking with Intellibank. And you have a nice rest of your day.


utterance: Hi. My name is Irma Blackcard. This is Intellbank.

utterance: How can I assist you today?

utterance: I'm doing pretty good. How was your day?

utterance: Doing good, sir. And, how was yours?

utterance: it's doing all right. how was the weather?

utterance: Oh, it's it's beautiful. I haven't been outside since this morning but I see that it's supposed to be a good sixty-seven.

utterance: A little chilly.

utterance: That's good. That's good.

utterance: I'm just trying to put a little money somewhere so I can start my business.

utterance: OK. I can help you with that, sir. So, are you trying to get a term loan today?

utterance: what's a term loan?

utterance: A term loan is a loan where we give you a lump sum up front and you don't have to provide any collateral. Does that sound good for you, sir?

utterance: Mhm.

utterance: yeah.

utterance: OK.

utterance: Go ahead do that.

utterance: And, also I'm seeing you you said something about putting money somewhere. Are you trying to open up a Business Total Checking?

utterance: Mhm.

utterance: what is the Business Total Checking?

utterance: Well, that'll help you start your business where you can put your funds and also we provide you with banking statements so you know where your money has gone so you can itemize for your taxes.

utterance: Oh. yeah. Let's go ahead start that.

utterance: OK then. I need to get some information from you. May I have your first and last name, please?

utterance: My first name is Tyrone. My last name is Miller.

utterance: Thank you so much. May I have your address, city, state and ZIP code?

utterance: My address is Miami Miami Beach, Florida. Fort Lauderdale.

utterance: And, your ZIP code please?

utterance: My ZIP code is three three one seven eight.

utterance: Thank you. And, your date of birth?

utterance: My date of birth is four eleven eighty-six.

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

utterance: my social security is one two three four five five seven nine one zero zero.

utterance: Great. Can I have your driver's license state and number?

utterance: My driver's license state and number is Florida eight one two three four five five seven nine zero one zero.

utterance: OK. May I have your PIN?

utterance: One one two two.

utterance: Thank you.

utterance: And, can I have your email address?

utterance: I don't know at Gmail dot com.

utterance: OK. And, are you the sole owner?

utterance: Yes.

utterance: And, the business name?

utterance: Johnny Ronny's Auto Sale.

utterance: And, the date the business was established?

utterance: Ten five ninety-five.

utterance: Thank you. And, your gross annual sales?

utterance: Two point one mil.

utterance: Wow, sir! You're doing really well.

utterance: And, your tax ID?

utterance: tax ID is seventy-four ninety-four three three three four.

utterance: Thank you. And, the business street address?

utterance: The business street address is twenty twenty-three ninety-five St. Pete Drive.

utterance: The city, state and ZIP code please?

utterance: Thank you. And, would you like your your mail to be sent to your business or your personal address?

utterance: My business please.

utterance: OK. Can I have that business address one more time?

utterance: My business address is twenty twenty-three ninety-five. St. Pete Dr. Dallas, Texas seven seven zero six four.

utterance: Thank you. And, can we have the loan amount you're requesting?

utterance: three point two five mil.

utterance: Thank you. And the loan purpose is to start your business, correct?

utterance: Yes.

utterance: Thank you. And, how long would you like those terms to be? I would suggest ten years which would give you more time to pay out the loan.

utterance: can I have twelve please?

utterance: Well, the max we can provide is ten years.

utterance: Well, I'll take your max.

utterance: Thank you so much. Well, let me tell you a little bit about the the fees and the terms and conditions of the loan. The loan does require a ten percent down.

utterance: And, we'll need that up front in the next sixty days.

utterance: And, it will we will have you submit your documentation so we can review and make sure we can supply you with your requested amount.

utterance: Would you like to sign up for online banking?

utterance: sure. Let's go ahead and do it.

utterance: Thank you. The online banking will actually help you submit your documentation without having to email us anything separately or drop off any documents to the to the actual bank.

utterance: Oh. OK.

utterance: OK. And, we can go ahead and get that all set up for you.

utterance: Give me one second.

utterance: I'll put you on hold.

utterance: OK.

utterance: Oh, sorry. I still see here you were requesting information about why you got a notice in the mail.

utterance: Yes.

utterance: OK.

utterance: It says that you got a notice in the mail regarding a rate increase but an agent told you that the rate was fixed till the end of the year. And, you're trying to understand what's that for and if you can help get any new information regarding this issue.

utterance: Correct.

utterance: OK. Well that notice was regarding the request for your term loan. That's why you called in today possibly.


utterance: Good evening, thank you for calling Intellibank. This is Ava speaking and how may I assist you today?

utterance: Oh hi Eva, how are you doing tonight?

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

utterance: Well, I'm doing great thank you.

utterance: I actually am the owner at Denise's Timepieces and we got a beautiful huge order for some of our timepieces but unfortunately I don't have some of the supplies so I'm having to rush order them from overseas and well I guess what I need to do is wire them the payment for those so I can get my supplies in as soon as possible.

utterance: Well ma'am, I'd be more than happy to assist you with that today. I do need to get some information so I can go ahead and pull up your account if that's all right.

utterance: yeah absolutely.

utterance: Thank you ma'am. May I have your full name please?

utterance: yeah this is Denise, D E N I S E.

utterance: My last name is Robertson, R O B E R T S O N.

utterance: Thank you Ms. Robertson. May I also have your date of birth?

utterance: Yeah my birth date is September the eighteenth, nineteen fifty-seven.

utterance: Thank you. Excuse me, thank you Ms. Robertson. I have September the eighteenth, nineteen fifty-seven.

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

utterance: Yeah, my PIN number is nine ninety twenty-one nine sixty-one.

utterance: Thank you, I have nine nine zero two one nine six one.

utterance: Yes ma'am, that is correct.

utterance: And really quick, how much is the fee per wire transfer for international?

utterance: it is I'm sorry, it's forty-six ninety-nine.

utterance: OK OK, that's not too bad.

utterance: All right, did you want to go ahead and proceed today, ma'am?

utterance: Oh yeah yeah absolutely.

utterance: OK thank you, I just wanted to go ahead and make sure. Now may I please have the account number where you would like the funds withdrawn from?

utterance: Yeah, that account number's seven fifty-one nine eighty sixteen ninety-two.

utterance: Thank you, Ms. Robertson. I have account number seven five one nine eight zero one six nine two for the withdrawal account. Was that correct?

utterance: Yes ma'am.

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

utterance: I need to transfer three thousand forty-six dollars and seventy-one cents.

utterance: Thank you and that's three thousand forty-six dollars and seventy-one cents, correct?

utterance: Yes ma'am.

utterance: Thank you so much and this is an international transfer, correct?

utterance: Yes ma'am it is.

utterance: Thank you so much. All right, now may I have the routing number of the bank where you would or where the account is held that you would like the money deposited into?

utterance: Oh yeah yeah, the routing number is two sixty-eight four ninety-eight six ninety-one.

utterance: Thank you Ms. Robertson. Just to verify, that's two six eight four nine eight six nine one.

utterance: Yes ma'am.

utterance: Thank you so much. And may I have the account number where you would like the funds to be deposited into please?

utterance: Absolutely let's see their account number is zero zero seven four six zero three nine seven eight.

utterance: Thank you Ms. Robertson. That's zero zero seven four six zero three nine seven eight.

utterance: Yes ma'am.

utterance: Thank you, give me just one moment to get this processed for you.

utterance: OK wonderful, thank you so much.

utterance: Yes ma'am.

utterance: OK, Ms. Robertson, I do have that transferred for you. Is there anything else I can assist you with today?

utterance: yeah actually, I have one more transfer to do.

utterance: That's no problem whatsoever Ms. Robertson, I'd be more than happy to assist you.

utterance: May I have the account number you would like the funds withdrawn from for this transfer?

utterance: yes, it's the same one that we just did which was seven five one nine eighty sixteen ninety-two.

utterance: All right, that's seven five one nine eight zero one six nine two.

utterance: Yes ma'am.

utterance: Thank you and how much would you like for this transfer to be?

utterance: this one needs to be in the amount of eight thousand four hundred seventy-eight dollars and fifteen cents.

utterance: Thank you and that's eight thousand four hundred seventy-eight dollars and fifteen cents.

utterance: Yes ma'am.

utterance: All right and will this one be international as well?

utterance: Yep, it sure will be.

utterance: All right, thank you, and may I have the deposit bank's routing number please?

utterance: Oh yeah, it's six forty-nine seventy-four four ninety-six.

utterance: Thank you Ms. Robertson, I have their routing number as six four zero nine seven four four nine six.

utterance: Yes ma'am, that's correct Ava.

utterance: Thank you and may I have the deposit account number please?

utterance: Absolutely, it's six eight six three sixty-nine seventy-eight fifty-three.

utterance: Thank you, ma'am. I have six eight six three six nine seven eight five three as the account number for the deposit.

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

utterance: Thank you so much, one moment please while I get this transferred.

utterance: OK great, thank you so much Ava.

utterance: Yes ma'am.

utterance: All right, Ms. Robertson, I have this wire transfer completed for you as well. Was there anything else that I could assist you with today?

utterance: Oh no ma'am, you have been wonderful thank you so much for helping me make this happen.

utterance: Well thank you Ms. Robertson and I'm very glad to help. That is what we're here for. And thank you for calling Intellibank and have a wonderful evening.

utterance: Thanks Ava, you too.


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

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

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

utterance: Oh, I need to get a bank statement emailed from to me from my Smart Wealth Management account.

utterance: Oh, I think you just are referring to the Wealth Management account. Is that the one?

utterance: Yes. That's correct. Sorry. I don't know. You guys change products around so it's always hard for nicknames and all.

utterance: Oh, it's. You're fine. Not a problem. I knew what you were talking about. OK. So your Wealth Management account here. OK. Can I please get the first and last name?

utterance: John Rivers. And my account numbers are twenty-three seventy-nine zero seventy-five zero zero one.

utterance: OK. And which one of those just to clarify was the Wealth Management account?

utterance: Oh, shoot. I was reading off both my accounts and savings. Let me put you on hold real quick and double check which one was which.

utterance: Sure.

utterance: Oh, OK. Yeah, it's the twenty-three seven nine zero is the one I needed. the the main account.

utterance: OK. Got that pulled up here. OK. And you said you were wanting this emailed to you?

utterance: Yes. If I could get that emailed that'd be great.

utterance: OK. what's a good email address?

utterance: Oh, my email address is John Rivers at Rivers dot com.

utterance: OK. Thank you.

utterance: And while I have you on there, can I also get you to check the account balance?

utterance: And.

utterance: certainly. I'm showing that your Wealth Management account has a balance of three hundred eighty-two thousand five hundred twenty-nine dollars and eighteen cents.

utterance: Yeah, that sounds correct.

utterance: OK. were you looking just for a whole just a one month, past month statement, the last six months?

utterance: Well if I could just get the whole shebang that'd be great cuz like I said I I've got a a business proposal going on later on this week. We might be merging with Little Cheesers. They're another local branch. they're branching out into this area. But I've gotta show them that we've got some real moving and shaking going on. So if I could just get you know the whole amount since I opened from you know start to finish so to speak that'd be great because then I could show them that we really are moving some volume.

utterance: OK. Yeah. So you want bank your bank statements for this account since you opened it?

utterance: Yeah. That'd be great.

utterance: OK. So that looks like you opened this account four years ago. OK. OK. So I've gone ahead and just sent the email to you for the last four years of statements. you should be receiving that shortly. If you need any other statements whether it's just your standard checking or savings for your business you are able to access that through the online mobile banking app as well.

utterance: Oh, OK. I didn't realize that. But yeah, come to think of it.

utterance: Yup. You can access all three of your accounts though the app and you're more than welcome to download the statements directly to your mobile device.

utterance: Oh, OK. Well I'll try to give that another try in the future then.

utterance: OK. was there anything else I could help you with today?

utterance: Nope. You've been great.

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

utterance: You too.