utterance: Hello, and thank you for calling Intellibank. My name is Joanna, and I will be happy to assist you on today's recorded call. For your customer satisfaction and security may I ask who I have the pleasure of speaking to today?

utterance: Yup. My name is Conner.

utterance: Hi Conner. How you doing today?

utterance: I'm doing pretty good. Pretty, pretty good.

utterance: I your pretty, pretty good. Reminds me of a TV show I saw. How may I assist you today?

utterance: Right, so I was hoping to look at exchange rates.

utterance: OK. I can definitely do that for you. Connor, I'm just gonna pull you up on our system so I can view your accounts to best help you. May I By the way, do I spell your name C O N N E R?

utterance: It's C O N N E R.

utterance: OK. And you last name please?

utterance: Right. S Y P T A K.

utterance: All right. May I ask how to pronounce that?

utterance: It's Syptak.

utterance: Syptak. OK. Just like it's spelled. OK, and for security purposes, what is the four digit PIN number you created for your account.

utterance: Yeah,

utterance: Sure thing. My PIN number is six two nine seven. And, my social security number is three five four.

utterance: Oh thanks. I'm gonna just stop

utterance: You right there Connor. Thank you for providing that, but I don't need that. But thank you. Yeah, just for you security I I'll I'd only need that if I was opening an account for you. Oh! All righty. And just to verify, please may I have your date of birth?

utterance: Two.

utterance: Oh! OK.

utterance: Got ya.

utterance: Sure thing. It's November twentieth nineteen ninety-five.

utterance: All righty. Perfect. I do see you here on our system, and I see the different accounts you have with us, so thank you so much for your loyal patronage. And now you'd like to look at some exchange rates. Is that correct?

utterance: Yeah, I. I think so.

utterance: All righty.

utterance: yeah.

utterance: Well, I was thinking of Mexico or I was thinking of Japan. A little more exotic.

utterance: Oh, wonderful. OK. So we're gonna be looking at the peso and the yen

utterance: you know about that more than I do.

utterance: OK.

utterance: OK.

utterance: All righty. Let me just pull this up here.

utterance: Cool.

utterance: Cool, cool.

utterance: And while I'm doing that, just curious, are you doing this trip soon or is it down the line?

utterance: Well, I am going on a honeymoon. So, it's gonna be not too far down the line, just in August.

utterance: Oh.

utterance: Oh, well that's plenty of time to prepare. The only reason I'm asking is that I would just suggest keep an eye on the trends. There may be a better time than another to do your exchange and if you if you're checking out the trends, you can forecast that yes.

utterance: Really?

utterance: Right,

utterance: And so it's like perfectly OK if I do the exchange now as opposed to later on? That's not gonna make a difference?

utterance: Absolutely not. The only thing might be is that there could be a better time to capture that exchange, and if you keep your eye on it you can even do this online. You might just be able to lock yourself in in a better rate.

utterance: I exchange it.

utterance: And you're all good just holding on to the exchanged rate yourself? I don't like have to take it out in cash, or do anything like that?

utterance: Well it once

utterance: It it's just like money. Once it's been changed over you have that dollar amount value, so for example, looking at the peso, peso's not as strong as the dollar. It's coming in right now at seventy, or seventy pesos per American dollar. Once you make that exchange it's like having cash in an account.

utterance: OK.

utterance: All right, and now I'm looking at the the yen, that's right, you're OK. Just pulling that up. Now, the yen is actually doing quite well and actually has been increasing over the past three quarters. And that's coming in one point two five. It started out at one ten, so over the past three quarters it has increased.

utterance: Mhm OK. I mean that's that that's no, that's something though weigh in for. Now I just gotta start doing research on hotels,

utterance: And.

utterance: Sorry.

utterance: Mhm.

utterance: Yeah. Yeah, because I I imagine Mexico is gonna be a lot cheaper than it is Japan

utterance: Oh, absolutely. Yes.

utterance: I just don't know if I wanna go with cheap though. You only get one honeymoon. So, just gonna need to talk to my wife. Just kinda figure out exactly what we need to be doing.

utterance: Right.

utterance: But,

utterance: Well, it sounds like you have a great trip planned whatever whatever you decide.

utterance: Yeah whatever it is

utterance: It's gonna be a blast. I'm very much in love. It's it's gonna be gonna be really wonderful.

utterance: Well, fantastic. Conner, is there anything else that I can do for you today?

utterance: I think that should do it.

utterance: Well, thank you for calling Intellibank, and I wish you a wonderful honeymoon.

utterance: All right. Thank you so much.

utterance: Bye bye.


speaker_role: Agent

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

speaker_role: Customer

utterance: Hi Malcolm. I am a business customer. And we recently moved and I made a major mistake. I never changed the address on our account. everything's still been going to the old address and it's it's it's it's been rough but it's all my fault so only have myself to blame.

utterance: No.

utterance: Not a problem. Did did you forward your mail from through the post office?

utterance: I did but I haven't been getting everything. I think they've been holding some of it

utterance: Right.

utterance: I also I'm very confused at how long the forwarding process lasts.

utterance: Right.

utterance: so it's it's it's it's time.

utterance: Yeah.

utterance: Plus people need to know our new address.

utterance: For sure. We definitely do.

utterance: We're.

utterance: We're proud of the new location and it's definitely a a step up for us and it's yeah it's time to embrace it.

utterance: Excellent so

utterance: Out with the old.

utterance: Absolutely. This is great so if you can please provide a little information for me. I'll be able to look at your account. Could you please give me your last name?

utterance: yeah it's Kelly.

utterance: Is that K E L L Y?

utterance: That is K E L L Y.

utterance: Excellent and the first name as it appears on your account?

utterance: Alex.

utterance: A L E X?

utterance: Yep. A L E X.

utterance: Excellent thank you Mr. Kelly. Can you please provide your PIN number?

utterance: Yeah my PIN number is three two five seven.

utterance: Excellent and one more for right now is just your date of birth.

utterance: Oh it's four eight eighty-one.

utterance: Correct. Perfect. So I see that you have a few accounts and credit cards with us. Thank you for your business. We are going to change the address for everything is that correct?

utterance: Oh yeah the everything we have with you guys. Our business accounts and we are just in the one location so definitely time to change all of those.

utterance: Excellent. Can you please just so I'm making sure that it wasn't already made automatically through the post office. Can you please provide your old address that no longer .

utterance: Oh.

utterance: Yeah I I I didn't know the post office did that. it is seven five three four eighteenth Street. And that is Los Angeles California nine two six nine two.

utterance: Excellent. Yes that's what we still have for your account so what I'm going to need you to do is just bear with me as I make sure that I get it right on my end but if you can go line by line with your new address and the way you would like it written Oh, go ahead.

utterance: yeah.

utterance: OK. it is two four five Main Street and I would prefer you write out Street and not just the S T. It's actually written out on the sign and I I think there actually is a Main with an S T also here so Main and then writing out Street and that is Los Angeles California and that is still nine two six nine two.

utterance: Oh great so just a.

utterance: A bigger bigger building.

utterance: Excellent.

utterance: Yep. Had to add a little more space a few blocks away.

utterance: Few .

utterance: Great.

utterance: Up on Main. A lot more foot traffic now.

utterance: I apologize cuz I was distracted by thinking about how you stayed in the same ZIP code but I forgot to type it all out so.

utterance: Oh it's nine two six nine two. Not a problem.

utterance: OK excellent. Nine two six nine two. OK so I'm going to read this back just to make sure we have it all correct.

utterance: Excellent.

utterance: Two four five Main Street with the word street written out. I like it better that way too.

utterance: Cool.

utterance: is there any sort of suite number or is it the whole building?

utterance: Oh, no we got the whole building.

utterance: Excellent.

utterance: Yeah.

utterance: And congratulations on that.

utterance: Thank you.

utterance: Amazing Los Angeles California nine two six nine two?

utterance: You got it. Yeah.

utterance: Excellent and just give me one more second so I can .

utterance: Please take

utterance: Your time. As well as long as this is done correct I don't mind how long it takes.

utterance: OK. And it also gave the extra specific postal code afterwards. The dash zero three nine six, if you wanna get more technical.

utterance: Yeah, no.

utterance: No I don't I don't pay me it. I don't even know what that is.

utterance: Yeah, I don't know what it is

utterance: Either but that it if you were curious. So anyway it is now officially changed for your account. you should have no more mail going to your old one so if there's anything else I can do for you today or if you would like to have any information about our online banking or anything.

utterance: No I think that that does it. I'm already signed up to the online so I'm I'm all good to go.

utterance: Great and it appears like you've been in the new place for a while so I hope you've been enjoying it. I hope you like the move and we wish you all the best and please call us back if you need anything else.

utterance: Thank you very much. Will do.

utterance: Thank you Mr. Kelly.

utterance: Bye.

utterance: Bye.


utterance: Thank you for calling Intellibank where we have the low rate SBA loans, and we are the home of the smart savings. my name is Bob. How can I help you today?

utterance: Hey Bob, how you doing? my name is Vincent and I'm calling to get a credit report.

utterance: OK Vincent, I can definitely help you out with that today.

utterance: You need my

utterance: You need my here let me give you my phone number it's it's three one oh, six two two forty-four forty-four.

utterance: O~

utterance: OK Vincent just give me one second, I will~

utterance: Can you pull up my account from the phone number?

utterance: No sir, there's a I'm sorry, excuse me. There's actually a four digit PIN number that is associated with your Intellibank account. Do you recall that PIN number?

utterance: let me go

utterance: Find that.

utterance: Ugh. Hold on.

utterance: OK.

utterance: Oh yeah. It's right here. Two two four nine.

utterance: Two two, four nine. OK. all right Vincent. I just need to verify some information from you please give me your full name.

utterance: Are you there?

utterance: Oh, yeah yeah yeah yeah yeah. I'm I'm Vincent Griffin.

utterance: OK. Are are you sure?

utterance: Vincent Griffin, OK.

utterance: Yeah the call dropped a second ago, I just didn't hear you. Yeah, Vincent Griffin.

utterance: Oh o~

utterance: Vincent Griffin. OK. Great. Great. All right Vincent. Please verify your date of birth for me.

utterance: Eleven. Twenty-two eighty-five.

utterance: Eleven twenty-two, eighty-five. All right. And Mr. Griffin, can you please verify your address.

utterance: yeah my address is three two six eight, Wilbur Avenue. LA nine oh oh, oh one and

utterance: OK. .

utterance: My Social is four

utterance: Two two.

utterance: mo~

utterance: Two one.

utterance: Just give me

utterance: One.

utterance: Six eight, six eight.

utterance: Give me one second Vincent. I will need that information, but I don't quite need it

utterance: Well you got it now.

utterance: Just yet.

utterance: Well I don't necessarily wanna write that number down. because that's that's a secure number.

utterance: Well you work there, you should be

utterance: Writing it down.

utterance: Ooh, you don't you don't want that on a pad of paper, but OK, so I have your OK, so is your business address the same as your shipping address?

utterance: yeah. It is.

utterance: Ok, great. all right.

utterance: When can we get this out?

utterance: OK, Vincent. We're we're we're at the screen now where we can order your credit report.

utterance: I want you to email this, OK?

utterance: OK. I will definitely get that emailed to you. What is your Social Security number? Again please.

utterance: I just.

utterance: Oh! Two two two are you serious? Three three, six six eight eight.

utterance: Yep.

utterance: Six six, eight eight. OK, great. All right. yeah we just needed to get to that part of the process before I took that information from you. I don't wanna take it until I can plug it in to there and it disappears so nobody else is see it. so right now we're waiting for the credit report to be populated, and you said you wanted this email to you. please verify your email address for me sir.

utterance: Vincent G, at Gmail dot com.

utterance: Vincent G, at Gmail dot com.

utterance: All right. That's all pulling up, and I just wanted to let you know that this is a secured email it has sensitive information in it, so we just wanna make sure it's secure, so that none of your information is stolen or hacked. However there is a one time charge of twenty-five dollars. To deliver this email securely. That can either be billed to your business credit card or we can bill that to your business account.

utterance: like

utterance: Bill it to my account. That's ridiculous!

utterance: All right. So I have your authorization to bill twenty-five dollars to your account so that we can get this credit report sent to you?

utterance: That's being processed right now, and I'll put all this information, your receipt your credit report, and a few links. One link links you to our website which is our online banking. And the other is going to take you to our mobile app and it'll queue you to download it if you haven't already done that, so any information that questions that you have, information that you need about our services, they can be answered on our app and on our website.

utterance: Gotcha.

utterance: All right. So I have your email sent your way. should be in your inbox now. Is there anything else I can help you out with today Vincent?

utterance: No, I think I think that's about it.

utterance: OK. Well great. Well thank you so much for being an Intellibank customer.

utterance: Thank you.

utterance: Have a great day Vincent.

utterance: You too.


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

utterance: How you doing Jerry? I'd just like to check my credit line on my credit card please.

utterance: Sure I'll be happy to help you with that and if I could ask, what is your first and last name?

utterance: Benjamin Freeman.

utterance: And Mr. Freeman what is your business name that you have on file?

utterance: Ray's construction.

utterance: OK thank you for that Mr. Freeman and I'm going to ask what is your credit card number?

utterance: Oh my credit card number is four zero three five seven nine three six six two six two zero nine zero six.

utterance: OK. I I and I'm gonna ask a few more questions because I'd like to verify your account. and we do take your account security very seriously here and so this is really for your and your business's protection. Is that all right?

utterance: Yes sir.

utterance: Mr. Freeman, what is your date of birth and phone number?

utterance: three twenty-six nineteen seventy. The phone number is seven seven zero two two two two. Let me say it again seven seven zero two two zero five eight five nine.

utterance: OK and what is your business email address?

utterance: B Freeman at Ray's construction dot com.

utterance: All right and what is the PIN number for the account Mr. Freeman?

utterance: that that that that PIN number is one seven nine five.

utterance: Terrific terrific thank you for that and Mr. Freeman I'm pulling up the account here and it appears you have a business gold card with us and your available credit limit appears to be twenty thousand dollars.

utterance: Oh thank you. That sounds good.

utterance: Yes sir and it appears that you have a payment that is upcoming. Are you aware?

utterance: well no. I I I. I'm not aware. So how much is it and when is it due?

utterance: sure sure yes you have a payment that's upcoming. it appears to be due on November the and that is for the amount of eight hundred and seventeen dollars.

utterance: Oh OK all right. All right I'll make sure I make. Have that. Get that taken care of and also what documents do I need for a to apply for a loan?

utterance: well sure sure I'm glad to assist you with that as well. in order to apply for a loan I'm happy to assist you with that. what you would need as far as documentation with us is a business license. you would also need two year's of your personal tax returns two years of your business tax returns and two years of your year end financial statements.

utterance: Oh OK. All right. that sounds real good Considering applying later at a later date then we can get all those documents in in order and then I would get back with you on that.

utterance: Not a problem at all there Mr. Freeman and just so that you're aware you can get those documents to us. you can, when you're ready, you can simply submit those documents by email you can fax or you can of course just mail in those documents to us if you're not able to actually stop by a branch. And we try to make it simple for you by giving you these multiple options.

utterance: Oh that sounds real good. Thank you.

utterance: Mr. Freeman, what would you be looking to apply for a loan for if if you were on the market?

utterance: Well Well it's to refinance some things that I need to kind of get taken care of.

utterance: Makes sense. yes a a lot of our clients do look to refinance into attractive and competitive interest rates that we offer and so we certainly are available and here for you if that ever is something that you're willing to take advantage of. Don't hesitate to reach out to us.

utterance: I will. Thank you.

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

utterance: that'll be all.

utterance: Well we certainly do appreciate you giving us a call here today and of course you have a terrific rest of your day.

utterance: You too sir.

utterance: Thank you now.

utterance: All right bye bye.

utterance: Bye bye.


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

utterance: Yeah, so I wanted to make a payment on my credit card.

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

utterance: It's Jill Baker.

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

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

utterance: All right Jill, so you would like to make a payment on your credit card today. Is that correct?

utterance: Yeah that's right, it's it's my platinum card with you guys.

utterance: All right Jill, so just real quick here, can I recommend our automatic account payments for you? It's where we basically set up your account so that your payment drafts every month on the due date. It's that way you don't have to worry about going in and manually making your payment, and it it kind of just saves you from that worry and hassle every month.

utterance: I don't really think I'm interested in that, no. But maybe eventually. can I just proceed with the payment?

utterance: Yeah, that's no problem. I can take that payment from you. I just need to get some information from you. What is your account number?

utterance: Can you give me just one second while I look it up. Give me one moment please. it's three four six zero two nine nine eight.

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

utterance: Oh yeah, that's Johnson Controls.

utterance: OK, and your date of birth please?

utterance: Yeah, so my date of birth is March second of nineteen eighty, and then my social is two seven three four two three nine four eight.

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

utterance: Yeah, so that's six three nine zero.

utterance: All right Jill, so looks like your payment is not due until next month on the third. Are you sure you wanna make that payment today?

utterance: Yeah, so it's my anniversary and I'm travelling next month, so I don't want to have to worry about when I'm gone so if I can just make it early, that'll be fine.

utterance: OK Jill, so I do wanna tell you about another option we have, so Jill, payments that are made this month, they don't actually post this month so if you made your payment today, will actually not apply to your next months payment but what we could do for you is we could schedule a payment for you, and we'd set that payment to draft on the due date, and that way you wouldn't have to worry about it while you were out of town. does that sound like something you might be interested in?

utterance: yeah, if that's possible I'd love to do that.

utterance: OK Jill, so you are wanting to, are you wanting this payment to draft from your Intellibank preferred business checking account?

utterance: yes please if that's possible. it's just a one time payment though, right? And it won't come out every month like if I do it this way? The payment won't consistently come out then, out of my account?

utterance: Yeah, so it'll just be a one time scheduled payment, so will not continue to draft after your next payment. So you'll still need to manually make that payment. so I do have the routing info for Intellibank, and it looks like your payment is due your payment is due on the third of next month, and it looks like it's for four hundred and four dollars and twelve cents, so I'm gonna go ahead and schedule that for you. OK give me just a moment, all right?

utterance: OK.

utterance: All right Jill. So I wanna let you know that two days before, usually twenty-four to forty-eight before your payment will process, you will receive an email from Intellibank, and that's just notifying you that the payment will be processing and then you will also receive a receipt after the payment has processed and that will be your receipt for payment. So you will receive two emails around the time of your payment from Intellibank. Jill, can I also get your email address?

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

utterance: All right, so getting that set up for you. I'm I'm gonna have to send you over a disclosure notice, and basically what that is, that's just giving you that's just noting that you're giving us permission to transfer that payment out for you. So I'm gonna send that over to you now too. You'll just need to click the acknowledgment link in there and that will that will make sure that this is fully set up, and that that payment will draft for you on the third. so let me get that all sent over to you too.

utterance: OK, are you in Kan City?

utterance: I am.

utterance: Is it snowing where you are?

utterance: no, it's really cold here, but it's not it's not snowing yet.

utterance: OK, well I've been stuck in Denver for the last few days and mainly I just wanted to see what the weather was doing back there, whenever we got home.

utterance: Yeah, so it's not doing anything right now. We've had some dustings and it's been very cold but I don't see anything in the forecast that says that we're expecting any terrible storm.

utterance: OK, well I just wanted to know before I hit home. It's I didn't mean to get off track there.

utterance: No problem at all Jill. so I got this set up and I've got those disclosures sent over to you. I do want to let you know too in the future if you have access to online banking, if you do decide at some point in time that you'd like to go to automatic payments, or if you need a scheduled payment in the future, you can actually go through the online banking portal and you'll choose your loan or your credit card at the top of the page in the breakdowns of which accounts you have. You'll select that and it'll give you an option related to payments. When you click on the payment links, there's actually a box there. One will say schedule automatic payments and one will say schedule a payment. you'll choose that schedule a payment option and then you can kind of go from there as far as choosing on what day you want that to draft, the amount that you want it to draft and how often you want it to draft, so there are some some different options for you there, or you can always call us back here at Intellibank. We can schedule that payment for you, or we'd be more than happy to set you up for those automatic payments too. So everything has been sent to you, Jill. We've got that payment scheduled for you for the third of next month, and you shouldn't have anything to worry about on your anniversary. was there anything else I could do for you today before I disconnect here with you?

utterance: I don't think so. I mean you did a great job, Brenda. I really appreciate it.

utterance: All right Jill, well I wanna wanna wish you a happy anniversary again and hopefully you get home safely from Denver, but thank you for choosing Intellibank, and we hope you enjoy your day.


utterance: Hello thank you for much for calling Intellibank. How may I help you today?

utterance: Oh hello, my name is Sharlen and I was calling to inquire about the current value of a certain stock.

utterance: Oh, no problem. Would you like a stock code?

utterance: Yes.

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

utterance: First, I am going to ask you some information about yourself. So first can I have your full name?

utterance: Okay, my name is Sharlen Peterson.

utterance: Thank you and could you spell your first name for me, please?

utterance: Okay, that should be S H A R L double E N.

utterance: Alright thank you for that. And can I also get your date of birth please?

utterance: Okay, that will be on the twenty-ninth of December nineteen ninety.

utterance: Alright, thank you for that. And can I have your pin number please?

utterance: Okay that will be two four one three.

utterance: Alright thank you so much for that. And can I have your account number please?

utterance: Okay, my account number will be three four four five six eight seven nine and oh sorry excuse me. I think I made a mistake somewhere in between. Can I start all over again please?

utterance: Yes, of course you may.

utterance: Okay, that'll be three five four six six eight seven nine two four.

utterance: Alright and just to confirm that is three five four six six eight seven nine two four?

utterance: Yes.

utterance: Alright, thank you for that. And what is the code of the stock your trying to get the code of?

utterance: That will be A A P L.

utterance: Alright, A A P L let me go search for that.

utterance: Alright so, I see that the current value for that stock is one thousand and five hundred dollars.

utterance: Oh, that seems to be on the right track for me.

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

utterance: Oh yes, I had an inquiry about does that bank offer is it a business plat card or is it I'm not sure about the spelling.

utterance: Oh I think you mean our business platinum card?

utterance: Oh yes.

utterance: Yes absolutely it's one of our credit cards that we offer. And it's our highest rating ranking card because it offers high rewards and low fees and it requires a minimum balance of three thousand dollars And if you'd like to know more about it or apply for one you can go on our website and you can learn more about it through there.

utterance: Oh okay, thank you for that I will definitely go and check it out on the website.

utterance: Absolutely and also would you like to know more about online banking so find out stock quotes easier in the future?

utterance: Yeah, please.

utterance: Absolutely, so we offer online banking through our app which you can download through the app store.

utterance: and within the app you can do most things that you do at a physical branch such as checking your account balance, checking your transactions making check deposits or transfers between your accounts or to another account. You can also do things such as updating your business information, such as your address or phone number. You can also schedule appointments or request documents and of course look up stock quotes.

utterance: okay, that's interesting. And can I like open a new account using the app or the website?

utterance: So if you if you like to open a new account you have to do that through the website but then you can access that account through the app.

utterance: okay, that is interesting. And also even if I want to link two accounts together can I also use the websites or the app right?

utterance: Yes if you'd like to link or connect two accounts you can use either either app or the website.

utterance: Okay, thank you for that. And definitely go look for the app right now after the call.

utterance: Absolutely you may. Alright and did you have any other questions for me?

utterance: No, that was it for now.

utterance: Alright, no problem have a great day.

utterance: Thank you, you too.


utterance: Good afternoon. This is Alan speaking an on behalf of Intellibank. How may I help you today?

utterance: Hello, Alan.

utterance: How's it going?

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

utterance: It's going well on my end.

utterance: That's good. Great. What is it what is it like where you are today? Weather wise?

utterance: Can't complain.

utterance: So, the weather over here is pretty great. our call center right now is based in Wisconsin, and you know, it's about a couple of weeks away from the first winter frost. So, you know, it's something that you know, we both look forward to and we're not looking forward to, but thank you for asking.

utterance: Oh, cool. Yeah.

utterance: How's the weather over at your place?

utterance: It's always warm where I am, so I'm happy about that.

utterance: That's great.

utterance: Yeah.

utterance: So how may I help you today?

utterance: Oh, yes, thank you. I would like to change this change this. I I'm constantly receiving paper statements in the mail,

utterance: And I need to. I would like that to change.

utterance: OK and may ask is is there a specific reason that you would like to have it changed? .

utterance: Well, yeah, I just I feel like it's really environmentally inconsiderate to constantly be receiving all of these paper envelopes.

utterance: We totally understand that and we can.

utterance: Why would you even.

utterance: Do that at this point technologically that we're in? What's going on? I don't understand. I'm pretty frustrated actually.

utterance: Well, I'm sorry for the inconvenience. and that this is something This is some this is something that we can totally help with. We can absolutely help with that because you know, the phone paper traditional paper statements are still exist an existing thing at banks, but you know, more and more of our customers are switching to paperless, many, we presume because of the environmentally friendly factor. So, we're glad that you're you're inquiring about this, and so, I think the specific service you wanna inquire for us is to change your statement delivery method.

utterance: Well, me too.

utterance: Are you sure?

utterance: I would like that. I thought I've had a call like this already in the past, recently actually, and then I still continue to receive the paper statements.

utterance: Is that right? So, that's something that we can definitely rectify, and I will double double check the system to make sure that you're not receiving these physical statements no longer.

utterance: OK.

utterance: So, before we proceed let me just get a few pieces of information. what's your first and last name?

utterance: First name Petra, last name Quesqua.

utterance: Could you spell Quesqua for me.

utterance: Q U E S Q U A.

utterance: OK, Ms. Ms. Quesqua. thank you for banking with Intellibank. what is your date of birth?

utterance: Four thirty eighty-five.

utterance: OK.

utterance: Do you know what measures, if any, this bank is taking to support protecting the environment?

utterance: That, I'm afraid I I don't know the exact details of that, Ms. Quesqua, but that's something that you may be able to enquire about online. You search our search our website to see which organizations we may have partnered with or .

utterance: Well, I'm surprised that you don't know.

utterance: Unfortunately, I'm just a member of the call center, Ms. Quesqua. so, just to proceed what is the PIN number associated with your account? Just for security purposes.

utterance: Oh, one one eight seven.

utterance: OK. And we have successfully gotten into your account. Do you mind providing the current address that you do have on file, just so that we can confirm that before we go ahead and change your delivery method.

utterance: OK it's fourteen eight four Charleville Road.

utterance: Mhm mm.

utterance: Cincinnati.

utterance: That's Ohio?

utterance: Yeah.

utterance: And the ZIP code please.

utterance: Nine zero zero four nine.

utterance: And lastly, could you provide the email address to deliver these paperless statements to?

utterance: Quesos Quesqua at Gmail.

utterance: And could I confirm, that's Quesos K U K Q U E S O S and then Quesqua?

utterance: Yeah, you got it.

utterance: OK. OK, Ms. Quesqua, that's done and you'll be receiving your next statement and every subsequent statement through the email address that you have on file.

utterance: OK great, thank you so much. Gotta go. Bye.

utterance: OK.


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

utterance: Good morning Cassandra. My wife has a sister that goes by that name. We always call her Cassie. That wouldn't happen to be your nickname as well would it?

utterance: No sir I'm sorry but that's not my nickname I actually don't have one.

utterance: Oh OK. That would have been funny somehow. I was just calling to add a new user to my business account. can you help me with that?

utterance: Yes sir I can certainly go ahead and add a user to your account. I'll just need a little bit of information so I can go ahead and put this in our system OK?

utterance: OK.

utterance: All right sir first of all can I have your first and last name please?

utterance: yes. My name is William Grayson.

utterance: All right Mr. Grayson can I have your date of birth please?

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

utterance: All right sir and what is the pin associated with this account?

utterance: Yes that pin is five five two three.

utterance: OK sir and can I have your account number?

utterance: yes hold on please.

utterance: OK just one moment sir.

utterance: OK I got it.

utterance: All right.

utterance: It's six one zero four four four five one zero one zero.

utterance: All right so that number was six one zero four four four five one zero one zero.

utterance: Yes ma'am.

utterance: OK thank you so much sir. And could you give me the new users first and last name please?

utterance: Yes his name is Timothy Davis.

utterance: Alright Timothy Davis.

utterance: Yes.

utterance: And could you give me the new users address?

utterance: Yes that address is twenty-four oh six Midway Road.

utterance: All right sir and what city is that?

utterance: Arkansas.

utterance: All right that's the state and what city is that in?

utterance: Oh Forum Arkansas.

utterance: OK.

utterance: Thank you sir.

utterance: Sorry about that.

utterance: And.

utterance: What was that ZIP code?

utterance: The ZIP code is it's seven two seven three one.

utterance: OK sir and what is the new users social security number?

utterance: Yeah it's four three two forty-seven nine zero five two.

utterance: All right four three two four seven nine zero five two?

utterance: Yes ma'am.

utterance: OK thank you sir and could you give me the new users driver's license number next?

utterance: Yes it is zero six four zero two nine zero four three.

utterance: And what state is that in?

utterance: That's in Arkansas.

utterance: OK thank you sir. That number was zero six four zero two nine zero four three?

utterance: Yes ma'am.

utterance: All right thank you. And do you have a new user email to add?

utterance: Yes. his email address is Tim Davis forty at Gmail dot com.

utterance: OK sir Tim Davis forty at Gmail dot com correct?

utterance: Correct.

utterance: All right and could you give me his date of birth?

utterance: Yes the date of birth is six sixteen nineteen seventy-four.

utterance: All right sir and what PIN would you like to set up for that account?

utterance: ninety-eight twenty-one.

utterance: All right sir could you give me just one moment while I add that new user to your account please?

utterance: yes that's fine.

utterance: So Cassandra are you looking forward to the holidays?

utterance: Oh yes sir I certainly am looking forward to the holidays Thanksgiving and then my son's birthday, and then his friend's birthday, and then his other friend's birthday, and then Christmas so.

utterance: Oh my goodness you gonna be broken and tired.

utterance: Ye~

utterance: Yes sir I got a lot to look forward to so far.

utterance: Yeah .

utterance: but that's all when having kids so I actually enjoy it.

utterance: You gotta love it.

utterance: I absolutely do. All right Mr. Grayson I've gone ahead and added that new user to your account. I should you should be receiving a email with this information. As well as a text because you have text alerts listed on here. We will also send out his his new card for this account. would you like that sent to your business address or your home address sir?

utterance: My business fine.

utterance: OK so so you like that sent to your business address? Let me go ahead and verify that right quick.

utterance: Yes.

utterance: It looks like you have it listed as five five one Lincoln Drive in Little Rock Arkansas. ZIP code seven two two eleven.

utterance: Yes that would be correct.

utterance: OK sir thank you so much for verifying that information. You should receive that in the mail in three to five business days along with his information so that he can go ahead and activate that card so that he can use it on his account sir.

utterance: OK sounds Oh fine.

utterance: All right is there anything else I can help you with today Mr. Grayson?

utterance: Well that's about it.

utterance: All right sir. Thank you so much for your time and patience. And I'd like to remind you that we also offer some of this access information online at Intellibank dot com. If your an online banking associate with us. You can actually access this application information online. Then we'd process it through our system. And then we would actually send out and verify that information, sir.

utterance: All right thank you for that.

utterance: OK sir I hope you have a great day today. Again my name was Cassandra.

utterance: All right you have a good day Cassandra.

utterance: Thank you sir bye bye.

utterance: Bye bye.


utterance: Good afternoon and thank your for calling Intellibank. My name is Kaleeb how can I help you?

utterance: Hi I was looking for some help to get a line of credit at the bank.

utterance: Well that is definitely something I can help you with sir. for starters can I get your name?

utterance: Absolutely! So my first name is Aaron that is A A R O N and my last name is Gordon G O R D O N.

utterance: All right Mr. Aaron Gordon do you happen to play for the Orlando Magic?

utterance: No no is that is that another is that somebody?

utterance: That is that's the NBA player, professional basketball player. All right Mr. Gordon sorry to get a little sidetracked there. I'm just a huge fan of professional basketball. can I get your social security number and your PIN?

utterance: Nine two one three two zero one eight two.

utterance: All right and that PIN?

utterance: One zero two five.

utterance: Perfect! Accessing your account now. just give me a moment while I look everything over make sure everything's in order. all right that looks good. OK and what was the reason for your call today?

utterance: the reason was to get a line of credit.

utterance: Line of credit that is definitely something that I can help you with! what type of credit limit were you looking for today?

utterance: I was looking for ten thousand.

utterance: Ten thousand all right. Just gonna need a little more information to to complete this this application for you Mr. Gordon. could you provide me with your social again?

utterance: All right and do you have your driver's license handy?

utterance: Yes I do! It is nine zero eight seven seven two.

utterance: Perfect! What state is that?

utterance: That's Georgia.

utterance: Georgia all right. What's a good email for you Mr. Gordon?

utterance: Aaron Gordon at Gmail dot com.

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

utterance: Dry Desert.

utterance: Dry Desert perfect. And you are the sole owner?

utterance: Yes.

utterance: Got it and what date was your business established?

utterance: It was established on November thirtieth nineteen ninety-two.

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

utterance: A hundred and twenty thousand.

utterance: Perfect! You have your tax ID number?

utterance: Yes I do! It is two five two five nine eight.

utterance: You are so prepared I wanted to thank you for that. I really appreciate it. Really streamlines everything. What's the street address to your business?

utterance: Yeah it is three hundred Long Avenue Atlanta Georgia that would be seven two three seven one.

utterance: Got it and that would also be a good mailing address for you?

utterance: Yeah.

utterance: Perfect perfect. All right just processing that loan. That was everything I needed. Bear with me here. Thank you so much for your patience Mr. Gordon. OK looks like you were approved for that loan. I'm gonna send out an email with everything you need in it including the confirmation number. Was that everything you needed for the first part of this?

utterance: Yeah yeah that that was that's great. That will be fantastic for for my advertising. I'm gonna be using that towards getting some new business. Speaking of which I wanted to ask about something else. I wanted to know my debt income ratio.

utterance: Of course let me just give me a second to check on that it's looking like a fifty twenty split on that so you're definitely coming out ahead.

utterance: That's great! What time period would that be for?

utterance: That would be for this last quarter.

utterance: Fantastic!

utterance: Yes. So everything looks good. Your balance is good. Not too high. You're not utilizing too much credit. You made all of your payments on time. You have been absolutely the model customer. So thank you so much for that Mr. Gordon. And while I'm still have you on the line. Is there anything else that I can do for you today?

utterance: No I believe we've covered everything. I I got my line of credit for my advertising which is fantastic. And I learned more about my debt income ratio so I think that's that's generally all I needed to know.

utterance: Well Mr. Gordon I'd just like to thank you again for your customer service here with Intellibank. And we appreciate your business. Please enjoy the rest of your day and I look forward to hearing for you from your next time.

utterance: Thank you!


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

utterance: Hi Frank,

utterance: Well I guess I need This account hasn't been really working for me.

utterance: I guess. It's been there put some money in, I've taken some money out. You know, usual banking stuff but.

utterance: I've really not done much with it, I guess I kind of wanna I guess just move on I suppose. Bit of a banking divorce. .

utterance: you have a Smart Savings account with us at Intellibank. Would you like to hear options of other Intellibank accounts?

utterance: I suppose that could be helpful, but

utterance: I don't know like I feel like our time is through but sure.

utterance: So would you actually be looking to possibly closing your account today?

utterance: Yes I I think that's where I'm headed, yeah.

utterance: OK. Well, we can absolutely do that for you. do you have a new bank already?

utterance: I do. Yeah, I found a new bank that I'm in the process of opening an account with.

utterance: OK. Well we'll go ahead and start the process of closing this account. to start can I get your full name as it appears on the account?

utterance: Yes. it is Chase Thomas.

utterance: All right, mister Thomas and one at a time, can I get your current bank account number and PIN?

utterance: Yep, three four seven nine, five two four four one five nine nine five.

utterance: I believe that was both the account number and the PIN together. is that correct?

utterance: Yes.

utterance: could you please give me the account number and then the PIN separately? Starting with the account number. Just the account number.

utterance: Oh yeah of course. three four seven nine five two four four one.

utterance: And the four digit PIN.

utterance: Five nine nine five.

utterance: All right. I do see that you have a balance left in this account five hundred seventy-two dollars and eighty-six cents. Would you like to transfer that to a new account?

utterance: Yes.

utterance: And you already have that account?

utterance: I do.

utterance: And what bank is that with?

utterance: it's with Bank of America.

utterance: All right. So I'm just gonna need your new account number, your new account PIN, and the nine-digit routing number for that account and I can transfer these funds.

utterance: OK excellent. account for the new account, excuse me the account number.

utterance: Yes, your new account number at Bank of American, please.

utterance: Four four eight five nine nine five nine four.

utterance: All right, and your four digit PIN?

utterance: Nine seven three four.

utterance: And your nine-digit routing number.

utterance: sorry, I gave you the routing number the first time let me give you the account number apologies.

utterance: Oh, sorry about that.

utterance: All right, so your account number is?

utterance: Four four five two three seven.

utterance: And the routing number?

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

utterance: January twelfth nineteen eighty-seven.

utterance: And what is the last four digits of your social?

utterance: Seven eight three one.

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

utterance: Michaels.

utterance: All right that all checks out.

utterance: OK.

utterance: So I have initiated this transfer this will happen instantly on our end and the account will be closed. It may take three to five business days for the money to show up in your account depending on how Bank of America works, I I can't tell you on our end. Before you go I do need to ask you one question. just for our purposes. And that is, why are you closing your account today?

utterance: kind of personal reasons don't get too much into it just let's Thank you. Thank you.

utterance: I can just put personal reasons. That's. That's totally fine.

utterance: All right and with that your account is closed. we thank you for being an Intellibank customer. We appreciate your years here and we're sorry to see you go.

utterance: Thank you.

utterance: Have a wonderful rest of your day, thank you very much. Goodbye.


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

utterance: hi Robin. my name is Laura, and I'm looking to get the net income report for the year twenty nineteen for my small business account.

utterance: Yeah. I can go ahead and help you out with that. Can I start by getting your first name, please?

utterance: Yeah. It's Laura, and my last name is Rivers. My birthday is December twelve seventh, nineteen eighty-four.

utterance: OK. Great Laura. So you said December December seventh, nineteen eighty-four?

utterance: Yeah.

utterance: OK. Great. So, I am gonna go ahead and pull up your account for you. Can I get the PIN number associated with it?

utterance: Yeah. It should be two four three five.

utterance: Two four three five. OK. Great. And so, before I can proceed any further, I do need to ask you a few security questions for the safety of your account. Can I start by getting the last four digits of your social security number?

utterance: OK.

utterance: Yeah. Four six eight zero.

utterance: Four six eight zero. OK. Great. And, when you created your account, you did set up a few security questions. I'm gonna go ahead and ask you those now. What is your mother's maiden name?

utterance: OK.

utterance: It's Jackson. Spelled J A C K S O N.

utterance: OK. Great, and what was the name of your childhood best friend?

utterance: probably Ronny R O N N Y.

utterance: OK. OK. Great. Thank you Laura for providing that information for me. I was able to verify your account. So, give me just one moment to pull that up.

utterance: Awesome. Thank you.

utterance: You're welcome.

utterance: How is your day going?

utterance: So far, so good. I'm gonna be off in an hour, so I definitely can't complain.

utterance: Oh, that's amazing.

utterance: How about you?

utterance: I think I have another couple hours of work I need to do.

utterance: Well, hopefully they go by quickly for you.

utterance: Yeah, I hope so too.

utterance: OK, Laura. Well I do have your account pulled up in front of me and you mentioned that you wanted to go ahead and check the net income for twenty twenty? Twenty nineteen. OK. Sorry about that. Give me just one moment. OK. So, it looks like, for twenty nineteen, your net income was seventy-five thousand two hundred and eighty-four dollars.

utterance: for twenty nineteen, please.

utterance: Great. Thank you.

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

utterance: yeah. I heard you guys have a couple of, like, advisors that I could talk to. I'm looking for someone who could help with like investing.

utterance: Yeah. I'd be more than happy to schedule an appointment with one of our investment specialists. Did you wanna go ahead and do that?

utterance: Yeah. Please.

utterance: OK. Great. So, let me pull up our scheduler. Give me just one moment.

utterance: OK.

utterance: And, what day were you looking to have a meeting?

utterance: when is your earliest appointment?

utterance: OK. So let me check tomorrow So, we do have quite a few appointments tomorrow. Were you looking to have an online meeting, or in person?

utterance: probably in person?

utterance: In person. OK. Can I get your ZIP code, please?

utterance: Yeah. It's nine zero zero one nine.

utterance: Nine zero zero one nine. OK. Give me just one moment. OK. It looks like you're gonna be. Your closest location is our South Pico branch. Is that OK?

utterance: is there like free parking near that one?

utterance: That one does not have a par king lot, unfortunately, but there is metered parking right outside.

utterance: how long do these meetings normally go for?

utterance: They usually last between one to two hours, depending on what your needs are.

utterance: OK. what is the fee for the investment specialist?

utterance: Your first consultation is always complimentary.

utterance: OK. OK. is there any other location that may comes with parking?

utterance: Let me check. Just one moment. OK. So there is one on Lauderdale Street, which is only a mile further away, and that one does have a parking lot.

utterance: Amazing.

utterance: OK. So, did you want to go ahead and do that?

utterance: Yeah. Please.

utterance: OK. So, tomorrow, we have availability throughout the day. So, what what were you looking for morning, midday or evening?

utterance: morning would be best.

utterance: Morning. OK, so we have one at nine thirty. Does that work for you?

utterance: Yeah. Nine thirty is great.

utterance: OK. So, I'm setting you up tomorrow at nine thirty at our Fort Lauderdale street branch. OK? So, you are all good to go. Leslie Jones will be speaking with you and you will receive an email from us shortly with your appointment schedule. Is there anything else that I can help you out with?

utterance: No. Thank you so much.

utterance: Thank you. Have a good day.


utterance: Thank you for calling Intellibank. My name is Angus. May I help you?

utterance: Hey Angus. I this may be ridiculous. I I just bear with me. I'm sorry if I'm wasting your time here but got a letter in the mail addressed to me. Supposedly, it's from your bank. My wife thinks it's fake. I figured I should just give you guys a call and and make sure because I I I'm very confused about what's going on here.

utterance: OK.

utterance: are you guys shutting down?

utterance: no sir we have not sent any letters out about shutting down, but if you will provide me with some of your information I can look up to your account so I can better serve you. may I have your last name, please?

utterance: Oh yeah, it's Harris.

utterance: H A R R I S.

utterance: That's right, yes.

utterance: OK and can I please get your first name as it is written on your account?

utterance: it's Phillip.

utterance: And that's a P H I L L I P?

utterance: That's correct, yes.

utterance: Excellent, thank you, Mr. Harris. could you please give me your PIN number for your account?

utterance: yes five four six two.

utterance: Perfect. And one more security question for you is just your date of birth?

utterance: Oh it's it's six twenty-eight seventy-nine.

utterance: Perfect. OK Mr. Harris. so you received some correspondence from Intellibank that made it seem like we are shutting down.

utterance: Yeah, and that I'd be losing all the money in my account and my wife is telling me this is some sort of a prank or some sort of a scam thing here cuz it wants me to take my money out of my account and move it into some other account because you guys are closing down.

utterance: Wow.

utterance: Mhm.

utterance: Well thank you for alerting us to this matter Mr. Harris and thank you for calling us and and and keeping us informed. I have not heard of this happening to any of our other customers nor have we passed this around on our daily meetings but we do appreciate you alerting us of this matter and this is obviously a huge concern to us because we don't want our customers to be misled like this and have their money be in jeopardy so if you do not mind I would like to alert our Legal department about this because this is going be a very.

utterance: I I yeah I don't mind at all. Frankly, I was kinda hoping it was true because maybe then it would wipe out my credit debt, you know.

utterance: Well that's that's always a dream. We could always dream of something like that but I do think that you know transferring your money to a fake bank account would be way worse so.

utterance: Or does it go away?

utterance: Yeah.

utterance: I'm I'm not doing it. I am not I am this is I she was right. I'm gonna have to let her know she was right.

utterance: Great.

utterance: Yes, please thank her for us and if you don't mind if I you know after we have a call today we will probably have someone from our Legal department and Customer Satisfaction department contact you, just because we would probably like to see if you could somehow get us a copy of this or somehow take a picture or send it.

utterance: No problem. I can I can totally. I can totally do this.

utterance: Excellent. That'd be great.

utterance: While I have you though.

utterance: Mhm.

utterance: why don't we go ahead and and and check my my credit card balance see where I'm at owe you

utterance: Yes.

utterance: That's.

utterance: Probably a good idea. so I see that you have a platinum card with us.

utterance: Yes!

utterance: if you have it available, if you could just give me the last four digits of it.

utterance: Sure it's six three eight nine.

utterance: Correct. OK perfect. All right I'm looking through it. and you want your available balance or you want the outstanding balance.

utterance: The outstanding balance.

utterance: OK the outstanding balance at this moment is three hundred and ninety-eight dollars and twenty-three cents.

utterance: Yeah it's still there.

utterance: Yep.

utterance: All right. Well, I guess that's pretty much it for now. do you need any info from me? I guess you have everything for them to contact me.

utterance: Yes, we're probably going to reach out by phone or at least email so if you can keep an eye on both of those. We just want to make sure that your phone number is current and and up to date. Would you please give that to me?

utterance: yeah, it's eight one eight.

utterance: Mhm.

utterance: Three two five.

utterance: All right.

utterance: Seven nine eight nine.

utterance: Great. That is the phone you're using and that we can reach you and that's great. Great. So thank you again for alerting us to this this matter and we really appreciate that you didn't go and transfer your money somewhere else. I'm glad that you called us and alerted us to this and please thank your wife and we will be getting in touch soon.

utterance: Great. Thank you very much for your time.

utterance: Thank you.

utterance: Bye.

utterance: Bye.


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

utterance: Hey Jonathan how's it going?

utterance: very good, how are you doing today?

utterance: Oh it's good you know sipping my Starbucks, kind of a gloomy day

utterance: Nice way to start the day, good cup of coffee.

utterance: Mhm. So yeah I'm calling because you know I do small business banking with you guys and you know I I kind of wanna apply for a corporate credit card? but I also want to look into the SBA I think it's called seven A loan?

utterance: cuz you know since the pandemic started I been just looking at something to help you know manage my, my administration costs so yeah I know that's that was a handful but is there any way you could maybe you know give me a hand?

utterance: Absolutely that is not a problem at all

utterance: the good news is the application process for both the corporate credit card and the SBA seven A are just about the same so I will only have to collect your info once for both of the applications, but to start the easiest thing to do is for us to pull up your existing account.

utterance: so can I go ahead and get your first and last name as it appears on your account?

utterance: Yes sir, so my name is Geoffrey. Geoffrey spelled G E O F F R E Y like Geoffrey Chaucer. and last name is Jones.

utterance: J O N E S.

utterance: all right Mr. Jones.

utterance: And what is your date of birth?

utterance: date of birth is August twelfth.

utterance: Eight twelve, and the year is nineteen eighty-eight.

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

utterance: last four of my social is three three four one.

utterance: And finally what is your four digit pin?

utterance: Four digit pin is, one four three three.

utterance: all right.

utterance: So I do see your accounts here, thank you very much for being an account holder.

utterance: Of course.

utterance: so to begin those applications I'm going to need to confirm some of the information that we do already have here on file.

utterance: But then I'm also going to need to get a couple of pieces of new information from you. starting with your email address.

utterance: Yeah my email address is ABC Geoffrey. So ABC G E O F F R E Y at Hotmail dot com.

utterance: great thank you very much, and what is your mailing address?

utterance: mailing address is one one three Ingrid Avenue and the city is Sacramento, California.

utterance: Nine four zero zero four.

utterance: great, and what is your business name?

utterance: my business name is Geoff's Toys. G E O F F apostrophe S toys LLC.

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

utterance: yes.

utterance: and what was the established date of your business, the establishment date.

utterance: the establishment date woo it's been it's been a while think it's I think it was March first. I think the year was probably like twenty, twenty thirteen.

utterance: March first twenty thirteen, that sounds right.

utterance: OK and what is your tax ID number?

utterance: Tax ID number is nine four one two three two seven seven nine.

utterance: great, now that's all I'm going to need for the credit card but for the SBA seven A loan I'm also going to need you to state the purpose for the loan.

utterance: of course. so yeah the purpose I mean as I was saying earlier you know since the pandemic started you know I've been able to retain most of my work work force you know I hire about ten employees for my toy store.

utterance: But it has been kind of serious in terms of just maintaining their payroll and on top of that maintaining you know the the actual day to day business of the toy store, just really just admin costs, they're just piling up. And I've heard that there's a seven A loan that's great for that.

utterance: So hopefully you know, I qualify.

utterance: all right I'm going to put that down as admin costs all right.

utterance: So we can not give you an outcome today, but for the credit card you will have an answer in three to five business days.

utterance: And for the SBA seven A loan, you'll have an answer in seven to ten business days.

utterance: would you like that sent to your email address or mailed to your mailing address?

utterance: email address is fine.

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

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

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

utterance: You too.

utterance: Bye.


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

utterance: Yeah. So, I'm currently with another bank and just not happy, and I was kind of wanting to know about what I had to do to start one of your savings accounts.

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

utterance: It's Jill Baker.

utterance: OK and do you prefer that I call you Jill or Miss Baker?

utterance: It doesn't matter, you can call me Jill.

utterance: All right, Jill. So what kind of account are you interested in today?

utterance: probably just a savings account, but how do I do that?

utterance: OK. Are you asking like what documentation we require in order to do that savings account?

utterance: Yeah I mean I'm just really unhappy with my current bank, and I've made several complaints, and I just I don't know where I if I want to be with them anymore.

utterance: All right Jill well I would love to open an Intellibank business checking or savings account for you. At Intellibank to open a bank account we require a copy of your business license, two years of personal federal tax returns two years of business tax returns, two years of financial end of the year statements from your previous banking institute and then Intellibank does offer a business smart savings account that works very well for our business customers.

utterance: OK, so do I have to come into a bank branch to provide all that and set something up, and also does it cost anything?

utterance: Jill, so there is no cost for opening our business savings account. So, if you think you would like to switch to Intellibank what I can do is I can get some information from you today to get that account request started. Then I will email you information pertaining to our communication link and you can upload all of the required documents there for review. and then once they're reviewed, then someone will give you a call back to complete that. Account for ya, or I can schedule an appointment to meet with a business banker at one of our local branches to do that.

utterance: OK. Actually, I think I'd rather open just a checking account, but can I just do it over the phone?

utterance: Yeah, I can do that for you. Just bear with me, I'm gonna get some information from you, OK?

utterance: Jill, I just have a very few questions for you here. What is the name of your business?

utterance: It's Johnson Controls.

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

utterance: It's March second of nineteen eighty.

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

utterance: I'm in Kansas City, Missouri.

utterance: And what is your street address there in Kansas City?

utterance: It's five three zero nine Hutton Road.

utterance: And your ZIP code?

utterance: Yeah, that's seven three eight two zero.

utterance: OK, Jill, can I also get your social security number?

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

utterance: OK, Jill, and what is your driver's license number?

utterance: Can you give me one second? I'll go grab my license real quick. Hold on. OK. I got it. It's M nine three seven zero zero two zero zero.

utterance: OK, Jill and what state of issuance is that license?

utterance: It's a Missouri license.

utterance: OK, Jill, let me ask you. Are you the only owner of the business?

utterance: Yeah, I'm the only owner.

utterance: OK, and when did you open that business?

utterance: It was in August of two thousand and fifteen.

utterance: OK, Jill and what is your tax ID number?

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

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

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

utterance: Thank you for that, Jill, and can I also get an email address for you?

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

utterance: OK, and where do you receive your mail at, Jill, is that your business address or is that your home address?

utterance: You can just mail everything to me at my business.

utterance: All right, Jill. Can you please confirm your tax ID for me just one more time, real quick here?

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

utterance: All right.

utterance: OK, so are you are needing a business checking account or do you also want to go ahead and try to open a savings account for the business as well we can we can do both.

utterance: OK, if you can do both, then yeah let's open both.

utterance: OK, we can do that. So, I'm going to put in the request for the Intellibank business total checking account and then the smart savings account for the business. Give me just a moment, OK?

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

utterance: Yeah, I am.

utterance: Is it snowing where you are?

utterance: No, it's really cold here, but it's not snowing yet.

utterance: I seriously just hate driving in the snow, but they said we could get like eight inches.

utterance: Oh my goodness, Eight inches! I had not heard that!

utterance: Yeah I I don't If I didn't have to work, I wouldn't care, but I have to drive in it and I hate to drive in the snow.

utterance: Well hopefully it does not get too bad, and the roads stay kind of just it just kinda drifts and we don't get a lot of bad weather. Jill will you be the only one applying for this account?

utterance: Yeah, I am the only owner.

utterance: OK, Jill I'm going to email the list of the required documents that you will need and a link to the banking portal where you can upload all of those documents. Once are the records are reviewed and the checking and savings accounts are opened, one of our checking account agents will reach out to you to walk you through the rest the account set up. You can expect to receive a call from someone within twenty-four hours after your records are uploaded. I also want to let you know that we also have online banking here at Intellibank and you can also check your savings and your business checking account once it's opened though that online portal. I'll also send you some information pertaining to the to creating that account once you receive your account numbers did you have any questions regarding the information I just gave ya?

utterance: No, I don't think so, but you said just wait for the call right?

utterance: Yeah, Jill. So, you will upload your documents. You need to do that part first, and then someone with Intellibank will call you to complete the account. I have emailed all that information to ya. So, you should have the information pertaining to what what you need to to upload for us and then also pertaining to setting up that online account once you get your accout numbers. Was there anything else I could do for you today?

utterance: No, that was everything. Thank you.

utterance: All right Jill, well thank you for choosing Intellibank. You should receive that email shortly, and again, thank you for choosing us and we're glad to have ya!


utterance: Good morning. This is Tom at Intellibank. How can I help you?

utterance: Yeah. Hi, Tom. oh, how can you help me? Good question. Wow. My apartment building just got sold and they're telling us we have thirty days to move out. And I'm holding out man. I'm holding out for a bigger buyoff. I was talking to my landlord this morning. And I'm telling him I ain't leaving. I'm putting my what do they say? Fork in the ground? what do they what's that saying?

utterance: Oh, yeah.

utterance: You know. Yeah. So anyway, that's what I've been dealing with today. Just trying to Remaining in a place I live. Oh. But I That's why I'm tryna I'm calling you guys about that. I'm calling about my finances, looking at my checking, my savings, did some investments a while back, and tryna tryna get a more consolidated report especially for the money I've invested in things. I dunno, do you guys offer something like your services?

utterance: yeah.

utterance: We can definitely help you out. There's a few different things we can look at. you know why don't we start by lemme get some information, pull up your account, and then I can tell you about some of the some of the things we can do.

utterance: OK. Sounds good.

utterance: All right. So what's your first name?

utterance: My first name is Jarvis last name is Thomas.

utterance: All right. and your date of birth?

utterance: December nineteenth nineteen seventy-seven.

utterance: OK. And account number please.

utterance: Account number is three three nine four two six.

utterance: All right. One last thing. your PIN number.

utterance: PIN number. That would be two zero two one.

utterance: Let's see. All right. All right. I have you pulled up. so you're you mentioned that you have some investments?

utterance: Yeah. And I just never see that in the records anywhere mm you know what how they're doing.

utterance: OK. yeah, they're separate from any other kinda bank statements you might you know typically be getting. what we can do is we can send you an investment report. It'll give a breakdown of you know history. you can specify a period of time you wanna look at and just you know if things are moving, if they're stagnant, if you wanna make some changes, maybe consider making some other types of

utterance: Well do you need any other info from me to get that report or how .

utterance: Yeah

utterance: I actually mention. So we have two delivery methods. We can either mail it to you or we can send it to you via email so it's paperless and you can get that right away.

utterance: Oh, OK. Could you. I'll tell you what. When when when do you. If I got it mailed, how soon would it arrive?

utterance: today's Friday. So I'd say Wednesday. Definitely Friday the latest. But it does take a couple you know days. Mail service is kind of off now with COVID a bit but.

utterance: Yeah. Gimme one sec. I'm gonna I'm gonna make a quick call or actually I'm gonna run downstairs and talk to my landlord. Can you hold on one sec?

utterance: Sure.

utterance: OK. OK. I just wanna make sure there was no possible way that they could actually evict me before that got back in the mail. Looks like I'm good. Looks like if you mail it to me I'll still be here and they can't kick me out of this building and. Wow! Wow. This is crazy. I never thought this would happen. I thought this building would be around forever. I grew up in a house that my my mom still lives in. And you know you just think things are always gonna stay the same but only thing that stays the same is that things keep changing. Am I right?

utterance: Yeah I'm sorry. It sounds like a lot to deal with .

utterance: It is. It is and it's tough cuz like you know I'm a I'm a traveling man. I play the banjo in a band and there's not a lot of banjo players out there anymore but there's also not a not a need for banjo players. But anyway, let let's. Yeah, lemme just get this report. you needed. You're gonna mail it to me?

utterance: yeah, I can mail it to you.

utterance: Yeah. So I think you have an address on file. is it two two two North Divine Drive Venice California nine zero two nine one?

utterance: Yeah. That's what we got.

utterance: OK. Cool.

utterance: So we'll get that out today. And do you have any other questions?

utterance: I think that'll do for now. but great. I'll look for that in the mail. And thank you so much for your help and for staying on hold too.

utterance: Yeah. No problem. I'm happy to help you know? Call us back once you get that. If you have any questions, we can set you up with a interview with a investment specialist.

utterance: OK. Great. Thank you.

utterance: Sure. Take care. Bye.

utterance: Bye.


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

utterance: Yes I want to. We relocated from one location to another and I just want to make sure I I receive my statements on time.

utterance: Not a problem at all. Be more than happy to assist you with that sir. if you would I'd just need to ask a few questions to pull up your account. who am I speaking with here today?

utterance: Benjamin Freeman.

utterance: OK your name is Mr. Benjamin Freeman?

utterance: That's correct.

utterance: And what is the name of your business?

utterance: Ray's Construction.

utterance: Alright. thank you for that Mr. Freeman.

utterance: Thank you.

utterance: And and let's see here. if I can pull up your account information just for account security because we take that seriously. I'm gonna ask you a few questions just to verify your account.

utterance: Yes sir.

utterance: what is your date of birth?

utterance: three twenty-six seventy. Three twenty-six seventy is my date of birth. And my phone number is seven seven oh two two zero five eight five nine.

utterance: OK thank you for that there Mr. Freeman. And what is your account number with us?

utterance: My account number is nine eight four six five nine.

utterance: OK you said that your account number is nine eight four six five nine?

utterance: that's correct.

utterance: Terrific and Mr. Freeman for Ray's Construction do you know what the pin number is?

utterance: Yes one seven zero nine.

utterance: You said that number is one seven zero nine?

utterance: Yes that's correct.

utterance: Terrific terrific. And all right. Let's see if I can get this pulled up here for you.

utterance: Yes sir you know. I I'm I'm glad you're here to help me. I really needed to get this out of the way cuz we got more room in this building. At the old building didn't have much room. We was kinda stepping on one so hey we need to instead of knocking walls out just move.

utterance: Sound smart to me. wow sounds like you all are growing by leaps and bounds over there at Ray's Construction.

utterance: yeah we're that's working on just one one step at a time.

utterance: That's the way to do it there Mr. Freeman. One step one day at a time. And you know we at Intellibank are hopefully we'll be there right there with you to provide you with the financial tools you need to help grow the account and your business Mr. Freeman you said you moved locations. are you all in the same city?

utterance: no we moved. We're not in the same city. We three six eight eight Layman Court. Layman Court Smyrna Georgia.

utterance: OK. Well you know what? Hold on let me pull that up here. So we can go ahead and update that in the system while we're at it. because I know you said you wanted to you know make sure you're getting your statements. And you know we'll likely just give you a few options here. But you said again what was your new address?

utterance: three six eight eight Layman Court s~

utterance: that's three six eight eight Layman Court?

utterance: That's correct. Smyrna Georgia. Three zero zero eight oh.

utterance: OK that's Smyrna Georgia three zero zero eight oh.

utterance: Yes that's correct.

utterance: All right. And Mr. Freeman I've gone ahead and updated your mailing address. now my understanding is is you do you no longer want to receive your statements by mail and instead change it and have some options. Is that correct?

utterance: Yeah I have some options. I like the fax . Fax will be fine we could do if if we could do that.

utterance: Yes yes I was about to say that you have the options for either fax or email in addition to mail.

utterance: Yes fax will be sufficient for me.

utterance: and Mr. Freeman what is the fax number that you want your statements sent to?

utterance: That'll be six seven eight two zero two four two five three.

utterance: OK let me repeat that.

utterance: six seven eight two oh two four two five three.

utterance: OK that's six seven eight two oh two four two five three?

utterance: That's correct.

utterance: Alright terrific. Let me get this input into the system here for you Mr. Freeman. And it looks like we were able to get this processed for you. And what will happen moving forward is moving forward you'll receive all of your statements by fax. beginning with the next statement in your next cycle.

utterance: thank you very much. That sounds good.

utterance: And Mr. Freeman may I if I may ask is there anything else that I can assist you with?

utterance: No I think you have covered all the bases. All the all of my questions has been answered and and some. And I really thank you for your service. Thank you so much.

utterance: Well terrific Mr. Freeman. We certainly do appreciate your business there at Ray's Construction and you do have a terrific day.

utterance: Thank you very much. You too also.

utterance: Bye bye now.

utterance: Bye bye.


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

utterance: Hi, this is Peter Davis. I have a few loans, but I wanna know if I can make another loan, or an adjustment on that, because I need to, another shed, that I need to build?

utterance: OK, Mr. Davis, I'd be happy to help you with that. let me get some information to start.

utterance: I need that for storage.

utterance: OK, Mr. Davis, I understand. So let's begin, Can you please give me your first and last name again?

utterance: Peter Davis.

utterance: OK, and, Mr. Davis can you give me your date of birth and your PIN number?

utterance: November four, nineteen sixty-eight. And the PIN number is four times eight.

utterance: OK, so your date of birth is November fourth nineteen sixty-eight. Your PIN number is eight, eight, eight, eight?

utterance: Correct.

utterance: OK, Mr. Davis, let's, see, and you also have your security name on there. I believe it's your mothers maiden name?

utterance: Yeah, that's Marlen, M A R L E N.

utterance: OK, and so what loan number do you have? Do you happen to have that?

utterance: Yes. but give me a second, I need to get that. It's in the c- closet here, the drawer.

utterance: OK, I'll hold just a moment. Thank you.

utterance: OK, so that's, let me see. Eight, four, two four, six, seven, eight, nine.

utterance: OK, eight, four, two, four, six, seven, eight, nine.

utterance: Five, six.

utterance: Five, six? at the very end five, six?

utterance: Yeah.

utterance: Yes.

utterance: So it's eight four two four six seven eight, nine, five, six?

utterance: Correct.

utterance: OK, Mr. Davis, it looks like your loan is or it was, originally for forty thousand dollars. And, you only owe five thousand dollars on it.

utterance: Oh, so I can get money out if there without a problem?

utterance: No Mr. Davis, you would have to pay this loan off, and then reapply for a new loan.

utterance: OK, I understand.

utterance: OK, so, would you like to make the remaining balance?

utterance: Yes.

utterance: Payment?

utterance: Yes you can take that out of my savings account.

utterance: OK, Mr. Davis, so that is, you owe five thousand dollars on that. If you pay it off today, you just owe five thousand, there's no additional interest we need to add. So, you want me to take it out of your savings? OK, let me get over there, and make a note on that, and transfer it.

utterance: Yes.

utterance: You need the account number?

utterance: Yes, Mr. Davis, Just one moment. OK, so what is that account number?

utterance: That's five, four, three, two, one, zero, zero, one, two, three.

utterance: Five, four, three, two, one, zero, zero, one, two, three?

utterance: Correct.

utterance: OK, Mr. Davis, so, I'm moving five thousand from your savings. You currently have fifty thousand, five hundred dollars in there.

utterance: Yes.

utterance: And so now I'm gonna take out the five thousand, and move it over to your loan. So now your loan is one hundred per cent paid off, and I will send you a confirmation of that transaction. You should be receiving that in the, in an email in the next one hour most likely.

utterance: OK.

utterance: You have my email address?

utterance: Let me double check to make sure. We have a couple on file for you?

utterance: Yeah, but the one I use is Peter sixty-eight, Davis at Gmail dot com.

utterance: OK, so you want me to take of this other one? This Winston fifty-five?

utterance: Yes.

utterance: OK, I'll take that one off. And we got the Peter sixty-eight, Davis at Gmail dot com?

utterance: Correct.

utterance: OK, Mr. Davis, and while I have you on the phone, would you like to apply for that new loan? Or do you want it, do you want me to send that to you, information that information to you, in an email? and then you can apply for it then?

utterance: Yeah, the information through a email please.

utterance: OK, let me, jump over there and make a note, and get that sent to you. And once you receive this loan application. Just fill it out and immediately send it back to us online, and that will get processed within the next seventy-two hours. You should receive a response from us by then.

utterance: OK, and I also have a problem. I signed up for that monthly newsletter.

utterance: Mmm-

utterance: But I'm not getting it.

utterance: Oh, OK, Mr. Davis. Let me go look and see.

utterance: Or maybe it's in the. In the. In the trash. I don't know.

utterance: OK, well, Mr. Davis, let's see. You know what? It looks like it was sent to that Winston fifty-five email address.

utterance: Oh, yeah, I'm, I'm not using that anymore.

utterance: OK, so Mr. Davis, I'm, I've deleted that email address, and we'll re-route everything to the Peters Davis, or Peter sixty-eight Davis at Gmail dot com?

utterance: Correct. Perfect.

utterance: OK. Mis-

utterance: All right Mr. Davis, you'll start receiving those this month. So we have a new one going out in about two weeks.

utterance: OK, thank you.

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

utterance: No.

utterance: OK, Mr. Davis, well thank you for calling Intellibank.

utterance: Then also I, I need a credit card. I saw there was some advertisement about the Wells Fargo travel card?

utterance: OK, Mr. Davis, Wells Fargo travel card isn't offered by our bank. We do offer the Int- telli- it's Intellibank travelers' card.

utterance: Oh.

utterance: Oh, can I have that one, and some information about it?

utterance: Yes Mr. Davis I can send that over to you in email, right now.

utterance: Perfect.

utterance: OK, I'll get that set up, and you should receive it in the next hour.

utterance: Nice.

utterance: Is there anything else?

utterance: No.

utterance: OK, Mr. Davis. Well again, thank you for being a great customer of Intellibank's, if you have any other problems give us a call. I'm Mary and thank you so much.

utterance: OK, bye, bye.

utterance: Goodbye.


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

utterance: Hi, Donald. I'm trying to set up some automatic loan payments. Can you help me with that?

utterance: Oh, yeah. Absolutely, that will not be a problem. And are you already an existing Intellibank customer?

utterance: Yeah, long time customer.

utterance: Great. So let's start by pulling up your account. And to do that I'm going to need your need your full first and last name as it appears on your Intellibank account.

utterance: Yeah. It's Robin Hamilton.

utterance: All right. And your date of birth?

utterance: August twenty-eighth nineteen ninety.

utterance: All right. And your twelve digit account number?

utterance: Is that something I can find online?

utterance: yes.

utterance: OK let me log in real quick.

utterance: OK.

utterance: Hi, I'm back. it is five seven nine nine four four one eight three nine two.

utterance: All right.

utterance: OK and your four digit security code?

utterance: Should be eight two one three.

utterance: All right. Give me a moment here while we pull up your account.

utterance: Sorry, system's moving a little slow today.

utterance: No worries.

utterance: Everything's moving really slow.

utterance: Can I like access all my information through the online portal?

utterance: Yeah, absolutely.

utterance: I'm sorry. You wanted to add a phone line?

utterance: No no no I'm just. I'm wondering like if we can do everything over the online portal now like what what does the phone service provide that like I couldn't do online?

utterance: quite a few things. most changes to your account The Anything that requires different forms of security can't be done online. things that's where you have to send us documentation can't be done online. Our notary services cannot be done online. a lot of stuff like that. But there is a lot of things you can do online. You can check your account balance. you can transfer funds from one account to another. And other various things.

utterance: Wow, thank you for the very comprehensive rundown.

utterance: All right, we are into your account.

utterance: And what account would you like that money debited from every month?

utterance: let's go with the checking account.

utterance: OK. And what is that twelve digit number?

utterance: Oh, sorry. got logged out of the portal. Give me a sec.

utterance: No problem.

utterance: Sure.

utterance: OK I'm back. it's five seven eight eight three one one one three four six eight.

utterance: OK. And what is your nine digit routing number.

utterance: It should three two two one six eight zero one.

utterance: All right.

utterance: And how much would we be setting up to be debited every month?

utterance: Let's say forty-two dollars.

utterance: OK. And which date every month would you like that debited?

utterance: First of the month.

utterance: All right. Well we have that all set up. Is there anything else I can help you with today?

utterance: No, thank you.

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


utterance: Thank you for calling Intellibank. My name is Jake. Can I get your first and last name please?

utterance: Yes, this is Marsha Stevens.

utterance: Mm, mkay Ms. Stevens. Also can I get your date of birth?

utterance: One one nineteen sixty.

utterance: All righty, and for security purpose, can I get your email that we have on file?

utterance: Yes.

utterance: Organic peach at Gmail dot com.

utterance: You have the giggles, what is going on over there?

utterance: I don't know.

utterance: and I'll be laughing in in spirit good spirits.

utterance: Yes I am. I'm I'm watching my grandchild.

utterance: Yeah.

utterance: So, oh my goodness.

utterance: I'm sorry about that.

utterance: Bye.

utterance: Where were we?

utterance: you said organic peach at Gmail dot com?

utterance: Yes.

utterance: OK.

utterance: And then also for security purpose can I also get your driver's license and state ID?

utterance: Yes.

utterance: P G one three three seven four eight.

utterance: Mkay and how can I help you today?

utterance: I need my debt income ratio.

utterance: Mkay, we yeah we can get that for you.

utterance: what in what account would this be under?

utterance: This gonna be checking.

utterance: Mkay.

utterance: Can I get the checking number?

utterance: Yes, one one two four five five six zero zero nine nine.

utterance: OK.

utterance: And you said you want the debt income ratio?

utterance: Yes.

utterance: OK. Right now, you've been paying regularly so yeah you're you're knocked down from thirty-eight percent to it looks like twenty-five percent.

utterance: Oh, OK.

utterance: Mkay. which this will be the you keep keep it up, it'd be gone within no time.

utterance: Oh OK, good.

utterance: So you're paying off the loan at a nice steady pace.

utterance: OK.

utterance: Again, just to make sure you keep everything in in the right in the right frame of mind. Make sure that you report every every earning and everything you've done with the IRS.

utterance: a lot of definitely now today with covid. they're they're giving out you know extra money for business small businesses so.

utterance: Oh, OK.

utterance: That that that might help you in the future, mkay?

utterance: Why, OK, that's great.

utterance: Other than that, your your next payment ain't isn't until next year.

utterance: OK.

utterance: Mkay, other than that.

utterance: Is there a balance I can get?

utterance: Oh, for your checkings?

utterance: Yeah.

utterance: Mm, yeah, let's look at that.

utterance: right now, you're standing at nine thousand four hundred eighty-five dollars and seventy-two cent.

utterance: All righty, thank you, appreciate that.

utterance: OK.

utterance: I'm tryna check and make sure everything I'm put alert on your account.

utterance: it looks like you have the the app.

utterance: Right.

utterance: OK. I'm put that alert on your account so that way when you get certain payments you need to do, I know you gotta a credit that's attached to your business.

utterance: Whenever you get a monthly payment or you gotta pay for the loan.

utterance: we have a alert that send directly to your app.

utterance: In your phone to let you know about two weeks ahead of time.

utterance: Oh, OK.

utterance: Mkay.

utterance: OK, that's great.

utterance: All right.

utterance: OK.

utterance: All right, Ms. Stevens, is there anything else I can help you with?

utterance: No, that's about it.

utterance: That's about it?

utterance: Yeah.

utterance: Well, Ms. Giggles, you have a nice day.

utterance: You have a nice day.

utterance: You too.

utterance: Thank you for calling Intellibank.

utterance: All righty, bye bye.

utterance: Bye bye.


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

utterance: yes, this is Dan Thomas and I called the other day checking on my intel business total checking account balance.

utterance: Is that your Intellibank business total checking account?

utterance: yes, that's correct.

utterance: All right, yes I do remember that call. How may I help you today Mr. Thomas?

utterance: I am wanting the Consumer Price Index.

utterance: All right, and is that the United States Consumer Price Index?

utterance: Yes.

utterance: Absolutely I can get you that information. which category would you like the for it to be calculated?

utterance: can you list out the categories?

utterance: yes all items, food, energy or all items except for food and energy.

utterance: let's do the energy.

utterance: All right, and what time period would you like me to apply to this?

utterance: let's do last year.

utterance: All right, so the energy price index in the United States for the year of twenty twenty is that correct?

utterance: yes that's correct.

utterance: OK, that would be fourteen point two percent.

utterance: All right, that sounds great. Your day going good so far?

utterance: yes my day's doing quite good. How's your day?

utterance: Doing pretty well.

utterance: Well that's good to hear.

utterance: is there an easier way for me to to get these consumer price indexes?

utterance: yes sir, rather than calling us to get it you can go to our website and we do keep a tool on there where you can enter the date range and select which categories you would like to check. or you can simply just Google consumer price index. And they have a pretty handy tool as well. That will let you look up most any category in a very wide range of time periods.

utterance: All right, that sounds great. and what type of loans do you offer?

utterance: yes, we offer term loans, secured loans real estate loans and SBA seven A as well as SBA five oh four loans.

utterance: OK, and what type of interest rates do you offer and the term length?

utterance: the term lengths on all of those loans are something that you can they vary depending on the individual person that is something that you would get to choose on your applications and then the interest rates vary by the type of loan our term loans generally vary between four and eight percent. The secured loans vary between four and six percent. The real estate loans generally vary between two and nine percent. And the SBA seven A as well as the SBA five oh four loans vary between one and a half and four and a half percent.

utterance: All right, that sounds great. and I suppose that if I decided to apply for a loan I can call back and apply over the phone?

utterance: yes, you can certainly apply over the phone you can also apply at one of our financial or financial centers. Or you can actually apply on Intellibank dot com for a quicker application process.

utterance: All right, that sounds great.

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

utterance: I can't think of anything.

utterance: All right sir, well there's going to be a brief survey that you can fill out and let us know how we did today and how we can better service you and your business needs in the future.

utterance: All right, that sounds wonderful.

utterance: All right, and if there's nothing else I can assist you with then you have a great rest of your afternoon.

utterance: All right, you too as well.

utterance: Thank you so much. Have a good day.