utterance: Hello and thank you for calling Intellibank. My name is Janet and I will be happy to assist you on tonight's call.

utterance: May I ask who I have the pleasure of speaking to tonight?

utterance: Hi Janet, how you doing? yeah, this is Russell.

utterance: Hi Russell, how are you tonight?

utterance: Yeah, I'm doing good. Doing good. Just getting the kids ready for bed, you know. always a thing, but it's always just such a delight too.

utterance: Sure, and then squeezing a little business in where wherever you can.

utterance: Sq~

utterance: You gotta be able to know how to manage. I think that's.

utterance: It's a big part of life, right?

utterance: Yeah, in between the bath and the bedtime stories.

utterance: Exactly.

utterance: B and B.

utterance: Yeah, and the extra glass of water.

utterance: Extra glass of wine more like.

utterance: There you go.

utterance: Yeah. OK. So I would love to take. First of all, can you pull my account?

utterance: I sure can. let me just get a little basic information and, Russell, do I spell your name R U S S E L L?

utterance: That's right.

utterance: OK great, and may I get your last name?

utterance: Yes, it's Levine. L E V I N E.

utterance: Levine?

utterance: Great OK.

utterance: Russell Levine, yeah.

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

utterance: yes. Yes. Date of birth is January fifth nineteen sixty-seven.

utterance: OK.

utterance: OK very good, and then you also have a four digit security code or PIN number that you established for your accounts.

utterance: Mhm.

utterance: I

utterance: Do indeed. It's six one one.

utterance: Oh wait, hold on. Crap. Give me one second, I just gotta get back. Hold on. Let me see if this is Actually.

utterance: Go ahead. Take your time.

utterance: Is it. Is it six one one two?

utterance: I can try that number, but I don't I. your your PIN is your private information.

utterance: But let me try and see if it works.

utterance: I don't know if it's this or if it's six one one.

utterance: OK, so the the first one you said was six one one two?

utterance: Six . Try six.

utterance: Six one one two.

utterance: Six one one two.

utterance: It's either that.

utterance: Or it's six one one three.

utterance: OK that one didn't work, so what's the second one?

utterance: Six one one three.

utterance: OK, six one one three.

utterance: Yeah, that's it.

utterance: OK great.

utterance: OK, so that pulls up your account information, and just if you have any questions about anything, I can see your credit card, your checking account, your savings, your wealth management and your loan with us cuz you've got quite a bit going on with us here. So I can pull up anything information you need.

utterance: Great. I love it.

utterance: OK.

utterance: OK. So what I wanna know is the the exchange rate.

utterance: OK. I I'm sorry go ahead.

utterance: Yeah. Yeah. The exchange rate from What I wanna get is here cuz I'm I'm planning on traveling over to England.

utterance: OK.

utterance: So I wanna see the exchange rate for the pound is.

utterance: OK, very good. So we're basically looking at the source of your currency here.

utterance: Here in the United States and we're looking at what it would be valued for pounds.

utterance: Yes, exactly.

utterance: Oh, OK.

utterance: Very good. Let me just go ahead and plug this information in.

utterance: And just so you know, of course, this is not set by Intellibank, but this is of course, by the Federal Trade Reserve.

utterance: OK great. Yeah.

utterance: All right. Let's see here.

utterance: OK. So for the American dollar it's showing that the The pound is coming in at one seventy-five.

utterance: One point seven five.

utterance: OK.

utterance: OK.

utterance: All right.

utterance: Not too bad. Not too bad. OK.

utterance: Are you looking to make any transfers at the moment or are are you looking to just get quotes for when you do change your currency?

utterance: Well, I am planning on going there in about a week.

utterance: OK.

utterance: Yeah.

utterance: Did you have an account overseas that you needed us to wire transfer any money into or is that something that you'd be doing once you're there?

utterance: OK.

utterance: Yeah.

utterance: I'd probably be doing it once I'm there. I'm trying to figure out how . Do you know what the. I mean, can you tell on a chart or what the percentages over the course of like. I'm just trying to track what the conversion rate is right now with the pound. Is it been. Is it up or down in about a week?

utterance: Oh how it's been averaging out.

utterance: Yeah cuz I've got some. I've also got some trades I have some shares in some companies right now.

utterance: OK.

utterance: Well it looks like it's been pretty steady over the past quarter.

utterance: OK.

utterance: It's been been between one point five zero to one point seven five which is It's a little bit of fluctuation, but it's been pretty steady.

utterance: OK, that's what I've That's what I'm hearing.

utterance: And it's been pretty consistent between one point seven zero and one point seven five over the past four weeks.

utterance: OK.

utterance: OK, that that actually answers my question.

utterance: OK great.

utterance: Yeah, cool.

utterance: Great. Well thank you so much.

utterance: Oh it's my pleasure. Is there anything else I can do for you this evening, Russell?

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

utterance: Oh, thank you for calling Intellibank and have a great night.

utterance: You too. Bye bye.

utterance: Bye bye.


speaker_role: Agent

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

speaker_role: Customer

utterance: Hey Sandra how are you doing on this fine beautiful day?

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

utterance: I'm doing well too I think we'll we'll see we'll see what the future leads but trying trying to do trying to do the right thing I guess. I don't know it's gonna be interesting but yeah, but let's put it this way, I'm doing my parents proud. I'm doing great they're happy about what I'm doing.

utterance: Oh wow OK that's great. What are you doing? .

utterance: So I have obviously look I'm a customer of yours and I have a business and my business account through Intellibank and I have a security business and my little brother younger brother shall we say, he he's been a little, you know, misguided through life this and that and trying to get him going more. So I've decided to bring him on as a partner of mine.

utterance: Oh wow.

utterance: Yeah. So

utterance: That's really amazing. That's awesome, is he excited about it? is. .

utterance: He is.

utterance: He is. He's excited. The. The the parents my parents are excited. I'm a little on the fence but hey I'll see what happens. You know you know what I mean? You have brothers, sisters and yeah. It's it's gonna be interesting but anyway so I I don't know if there's anything I need to do so I need to notify the bank this or.

utterance: Great.

utterance: Yeah actually I could help you with that. All right now if you have a few moments we'll just go through any information that you need. Do you have time for that or? OK great. OK so let's start with your first and last name and date of birth.

utterance: OK. Yeah absolutely. Please.

utterance: my name is Kevin Fitzpatrick.

utterance: OK.

utterance: And the birthday is July seventh nineteen seventy-one.

utterance: OK, Mr. Fishpat Fritzpatrick? I'm sorry.

utterance: Fitz.

utterance: Fitz Fitz.

utterance: Oh Fitz, I'm so sorry. Just spell that for me real quick so I I won't make a mistake.

utterance: F I.

utterance: Mhm.

utterance: T Z.

utterance: Mhm.

utterance: P A T R I C K.

utterance: OK, that is a tongue twister. Fitzpatrick, OK.

utterance: It can be. It can be.

utterance: Especially when you have all this Irish we start you know, drinking with dinner.

utterance: Dinner? You wait that long huh?

utterance: we are business people.

utterance: OK, what is your PIN number?

utterance: the PIN number is seven seven seven one.

utterance: OK. And your account number?

utterance: Account number I mean that one, hang on a second.

utterance: Sure, take your time.

utterance: OK, the account number is zero.

utterance: Mhm.

utterance: Eight.

utterance: Mhm.

utterance: Eight six one one seven zero nine.

utterance: OK. All right and what is the new user's first name?

utterance: it's Brian.

utterance: Brian. And is it Fitzpatrick ? OK. All right and then the new user's street address?

utterance: It is Fitzpatrick, yes.

utterance: His street address is two thirty-one.

utterance: Mhm.

utterance: Bayard Road.

utterance: How do you spell that?

utterance: B A Y A R D.

utterance: OK.

utterance: OK.

utterance: And that's Philadelphia.

utterance: Mhm.

utterance: Pennsylvania.

utterance: OK.

utterance: One nine one three one.

utterance: OK perfect. and I would need the new users social.

utterance: All right his social is two eight zero.

utterance: Mhm.

utterance: Three four.

utterance: OK.

utterance: Three one. Six seven.

utterance: OK. Oh and do you happen to have his driver's license number?

utterance: scary part is I actually do.

utterance: Oh great. That's great.

utterance: OK, his number is yeah, OK I got to make sure I'm not confusing his or mine.

utterance: Mm.

utterance: All right his is four four oh eight one.

utterance: Mhm.

utterance: Two nine six.

utterance: OK, and is that Pennsylvania? OK. OK, and what is the new user's email.

utterance: Pennsylvania, yes.

utterance: his email is B Fitzpatrick.

utterance: Mhm.

utterance: nineteen seventy-four.

utterance: OK.

utterance: At Gmail dot com.

utterance: OK, and do you have a PIN number for him?

utterance: His PIN number is two.

utterance: Mhm.

utterance: Four five six.

utterance: OK. All right well he's all set up in the system and just to let you know you can do things like this online. I don't know if are you interested in online banking or doing things online?

utterance: OK.

utterance: yeah, I guess I

utterance: Am. This way I can really now especially that there's gonna be another user on my account to make sure I can keep track of things and thank God I have no more brothers and sisters.

utterance: Right.

utterance: Well, I would really recommend the online banking and in case I don't know if you ever wanna add your parents but you could just add new users online for the future. If you wanted to that. And what is your email?

utterance: OK.

utterance: my email is K Fitzpatrick seventy-one at Gmail dot com.

utterance: OK. All right I'm gonna send you over a link. it will prompt you three different times set you all up for online banking, it's really simple. They'll ask you if you wanna order a bank card to go with the this account, you don't have to.

utterance: OK.

utterance: just an option. If you do takes about five to seven business days to get the card. But if you have any questions please call us back, we can prompt you through it. But we set it up in a way that is really simple so you don't have to call us back, because we know that you're busy and we want our Intellibank customers to utilize their time. you know, it's designed around your life, that's. You know what I mean?

utterance: OK. I appreciate that.

utterance: Yes.

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

utterance: No, I think that's everything.

utterance: Well, good luck with your new partner and your business. All right. Take care thank you for using Intellibank.

utterance: Oh thank you so much.

utterance: You too.

utterance: Take care.

utterance: Bye bye.


utterance: Hi. Thank you for calling Intellibank. This is Ashley speaking. And how may I assist you today?

utterance: Good morning Ashley. How are you doing today?

utterance: I'm doing very well ma'am. Thank you so much for asking. And how about yourself?

utterance: I'm also doing well. this is Susan Ring and I called this morning. I need to get a secured loan.

utterance: OK ma'am. I'd be more than happy to assist you with that application today. Now let's see. I do actually already have the first question answered. I have your name as Susan S U S A N. And last name is Ring R I N G?

utterance: Correct.

utterance: Thank you ma'am. And may I have your home address please?

utterance: Yes ma'am. It's four oh nine seven Red Maple Drive, Atlanta, Georgia.

utterance: OK. So that's four zero nine seven Red Maple Drive?

utterance: Correct.

utterance: Thank you. And is Red Maple. Is that one word or two?

utterance: It's two.

utterance: OK. Thank you ma'am. And I have that in Atlanta, Georgia?

utterance: Correct.

utterance: Thank you. And may I have your ZIP please?

utterance: Three oh three five three.

utterance: Thank you. Three zero three five three?

utterance: Correct.

utterance: Thank you Miss Ring. And may I have your Social Security Number please?

utterance: Yes ma'am. My Social is seven seven two three eight four five eight five.

utterance: All right seven seven two three eight four five eight five?

utterance: Yes ma'am.

utterance: Thank you ma'am. And may I also have your driver's license number?

utterance: All right. The driver's license is five three seven four nine six one nine nine.

utterance: Thank you. I have five three seven four nine six one nine nine?

utterance: Correct.

utterance: Thank you. And what state was that issued?

utterance: Georgia.

utterance: All right. Georgia. Thank you. And we do need to come up with a PIN number for you. You will need that to be able to call and check the status of your application or to be able to access any information about your account. And that will need to be between four and eight digits long.

utterance: All right. The PIN will be eight one eight three.

utterance: All right. Eight one eight three?

utterance: Correct.

utterance: Thank you. And may I also have your email address please?

utterance: Yes ma'am. Capital S R I N G fifteen at Gmail dot com.

utterance: OK. I have your email as S R I N G one five at Gmail dot com?

utterance: Correct.

utterance: Thank you so much. And may I have the name of your business please?

utterance: Medical Supplies.

utterance: All right. Medical Supplies. Thank you. And are you the sole owner of this business?

utterance: Yes ma'am.

utterance: Thank you. And what date was your business established?

utterance: November the thirteenth, two thousand sixteen.

utterance: All right. November thirteenth, two thousand sixteen? And what are your gross annual sales?

utterance: Forty-five thousand.

utterance: All right. Forty-five thousand. And may I also have your Tax Identification Number please?

utterance: Yes ma'am. the Tax ID is eight five five nine four three five one four.

utterance: Thank you. I have that Tax ID Number as eight five five nine four three five one four?

utterance: Correct.

utterance: Thank you so much Miss Ring. And may I also have the address of your business?

utterance: Yes ma'am. It's nine one two Golden Street, Atlanta, Georgia.

utterance: Thank you. I have nine one two Golden Street in Atlanta, Georgia?

utterance: Correct.

utterance: Thank you. And may I have that ZIP code please?

utterance: Three oh three five three.

utterance: OK. Three zero three five three?

utterance: Correct.

utterance: Thank you. And we also do need a mailing address for you. That can either be your home address or your business address.

utterance: I prefer you send all my bill to the business address.

utterance: OK. That's no problem whatsoever Miss Ring. And just to double check for the application I have that as nine one two Golden Street, Atlanta, Georgia three zero three five three?

utterance: Correct.

utterance: Wonderful. Thank you so much. And what type of collateral would you like to use for this loan?

utterance: I'd like to use my equipment.

utterance: OK. Equipment. And what will the purpose of this loan be?

utterance: Oh. Well there are so many new changes in the devices that you have for testing. So many people are diabetic and they're coming out with some newer methods of checking your sugar every day. And we have all kinds of equipment like for oxygen. People are on COPD and need that care. There're just so many new innovations in medicine. Medicine keeps improving itself. So we we wanna keep up with the times and get the latest and the best equipment for our patients.

utterance: OK. All right. Yes ma'am. I completely understand. And it does change it seems like every day. so the loan purpose would be for new equipment purchases?

utterance: Yes ma'am.

utterance: All right. Not a problem. And how much are you thinking that you would like the loan to be?

utterance: Fifteen thousand.

utterance: All right. Fifteen thousand. And how about for the term of the loan?

utterance: Oh. We should easily pay it back in three years.

utterance: All right Miss Ring. In three years? Well that actually has everything that I do need for the application. Now just make sure and send in your supporting business documentation. And then we will get back with you with the results of your application just as soon as possible. OK?

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

utterance: Thank you so much. Was there anything else I could assist you with?

utterance: No ma'am.

utterance: All right. Well thank you Miss Ring. And have a wonderful day. And thank you for calling Intellibank.


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

utterance: Hey, Brian. My son's actually named Brian. How's your day going?

utterance: Oh, wow. What a coincidence. my day is going fine. What about yourself?

utterance: OK.

utterance: All right. All righty and I'm sorry to take up more of your time. I I called. I just had you guys on the phone couple days ago. I don't know why should have thought to ask then. anyway yeah. I called a couple days ago but I wanted to call again. I needed to confirm a some bond info.

utterance: OK. And what was that previous call about, just so I know?

utterance: Yeah. No, then I was calling I was calling about some stock purchases. just been talking with my my wife here about some of the investments we're wanting to make. and I was so caught up with the stocks and you know their value that I forgot to inquire at the time about our bond investment.

utterance: Oh, I see. See so today you're looking for some just general bond info?

utterance: Yeah. I think it's the rate that I need. the bond rate, if you could help me with that.

utterance: The Treasury bond yield rates.

utterance: Yeah, I.

utterance: I always mess up that name. Yeah, sorry. The terminology. Yeah, the bond yield.

utterance: It's

utterance: I I and see it's not a common thing people ask for so I totally understand. And that

utterance: Yeah, you don't

utterance: Talk about the yield. I mean, outside of traffic I guess you don't talk about the yield that much. yeah. Sorry about that.

utterance: No, that's OK. That's my job to to let you know what we offer and I know the different categories that we file things under and I'm able to look at it right here and it says Treasury bond yields.

utterance: All right.

utterance: One second I gotta. Sorry I need to Let me open the door here. Oh, God. It's just so hot right now. I don't know where you guys are based, but I'm close to Death Valley and it's. I'm actually in Palm Springs.

utterance: Oh.

utterance: You're near Palm Springs?

utterance: Yeah.

utterance: Wow. Is it hot year-round up there?

utterance: yeah. Pretty much, yeah.

utterance: Yeah. I think the average temperature is something like the eighties or nineties.

utterance: Wow. Well, I am actually in Anchorage, Alaska.

utterance: A little different. A little different. So is it dark all day there right now?

utterance: Yeah.

utterance: It It's a quite a setup. It's dark all day and our offices are located on a giant block of ice.

utterance: Oh really?

utterance: Mhm.

utterance: That just doesn't melt.

utterance: No. We have a a a cooling system that was put in by by our Intellibank management. So it self cools from the bottom. So, yeah yeah. Mhm.

utterance: Ever.

utterance: Wow.

utterance: You must have. You must be wearing numerous layers then.

utterance: it's got a great indoor heating system that keeps the floor cold and the ss~.

utterance: Interesting. So it heats the

utterance: Building but it doesn't melt the ice beneath it.

utterance: Correct.

utterance: that's fantastic.

utterance: It heats the floor and keeps the walls and ceiling warm. It's quite state of the art technology.

utterance: That seems very

utterance: Advanced, yeah.

utterance: Mhm. Yeah. .

utterance: Yeah.

utterance: Thinking of doing this to my home.

utterance: Yeah. We have, you know, air conditioners out here but take up so much energy you can't run them all the time.

utterance: I understand. I understand. All right. So, Oh, let me get you started on things here. Get that Treasury bond yield for you. I need your first and last name.

utterance: Yeah. It is Robert Jones.

utterance: Robert Jones. Also Robert, I will need your date of birth.

utterance: Yeah. That's five thirteen eighty-three.

utterance: Five thirteen eighty-three.

utterance: Yes.

utterance: OK. I will need your four to eight digit PIN number just to access your account information.

utterance: yeah. I have that here. That is seven nine four four two nine.

utterance: Seven nine four four two nine. That will take a just a moment to let me into your online profile here.

utterance: So how do you handle what is it dark? It's dark half the year up there, right?

utterance: Yeah, basically half the year. That's correct, yeah.

utterance: Wow.

utterance: Yeah. You get used to it though. You know, it's like and it's kinda nice sometimes. It's You get to do things.

utterance: Yeah.

utterance: And that must affect

utterance: Your mood though, right, if you don't have sunlight for six months.

utterance: Some people do, but I've just gotten acclimated to it over time. I I don't know. I grew up in a a place with a lot of seasons and at first it was a bit of a rough adjustment, but now now I don't mind you know getting lunch in the dark. It's kinda nice.

utterance: All right. If you say so. I'll take your word for it.

utterance: little break from the norm.

utterance: Yeah well it sounds like you have two seasons. We have kind of a season and a half.

utterance: Oh, interesting.

utterance: Yeah.

utterance: Pretty much all summer except for there's a bit of a winter but for us it feels more like spring.

utterance: Wow.

utterance: last question here. Just need your bond type, so that the terms of the bond, the years.

utterance: Oh yeah. The it was a five-year.

utterance: Five-year bond. there we go. The five-year bond looks like it's going to yield a return of eight point six percent for you.

utterance: Eight point six. OK, and that was, you know, it's over the five year rate. OK. All right.

utterance: Yes.

utterance: Anything else I can help you with while you're on the phone?

utterance: no. I wish I could send you some sunlight, but it sounds like you don't need it. So, guess you're all set.

utterance: Yeah, we get enough. It's surprising up here but thank you so much for calling Intellibank and for being a customer with us since two thousand eighteen. And if you wanna see us online, we're at Intellibank dot com.

utterance: Yeah.

utterance: OK. Thank you.

utterance: All right.

utterance: Good night. Good day.


utterance: Thank you for calling Intellibank Commercial and Business banking division. This is Amber. How can I help you?

utterance: Yeah, hey Amber! This is John Rivers at Drapes of Wrath.

utterance: Hello, John! What can I do for you today?

utterance: Well, I I have to send some money over to a fabric place, and I'm trying to pay this vendor and whatnot online, and and I I I just can't seem to figure out the online mobile app. I'm terrible at technology!

utterance: Oh, sure! I understand, yep. The app went through an update. We've had a lot of people call with some confusion there. The the tech team is working on rolling out a new update within the next couple of days to help alleviate some of that. I'd be more than happy to walk you through the app in the meantime, or I'd be able to assist you over the phone if you prefer.

utterance: you can assist me over the phone. That'd be great.

utterance: Yeah! OK. So you mentioned you're needing to transfer some funds. were you looking to do an internal transfer, a wire transfer, with. just transfer between your accounts?

utterance: Well, which one is it

utterance: which one is it where I I pay somebody from my account to theirs?

utterance: Yes! So we have two types of transfers. One of those is an internal transfer which is where both of you bank at this bank. And the other one would be a wire transfer where you are transferring money to an outside bank.

utterance: I think it.

utterance: Oh, that'd be an internal transfer, yes.

utterance: I'm I'm sorry. You meant an external transfer?

utterance: Yes, sorry! An external transfer.

utterance: OK. Yep! I can definitely help you with that here. I just need to get a little bit of information. what type of account of yours were you looking to make the transfer from?

utterance: that's my preferred checking.

utterance: Your preferred checking. OK. Can I please get the first and last name on the account?

utterance: That's John Rivers.

utterance: Date of birth?

utterance: One eighteen of eighty-seven.

utterance: The PIN number?

utterance: fifteen ninety-five.

utterance: And your account number associated with your preferred checking?

utterance: Zero two two one seven three.

utterance: OK. And how much were you wanting to transfer?

utterance: how much is in my account currently?

utterance: so I am showing a balance of twenty-three thousand one hundred twenty-two dollars and eight cents.

utterance: I'd like to transfer two hundred.

utterance: Two hundred. OK. and then I just need some information for the other party. is this going to be a domestic or an international wire transfer?

utterance: this is domestic.

utterance: OK. Do you have their routing number?

utterance: Yes, please hold.

utterance: OK.

utterance: All right. That's three three two one nine seven eight nine zero one four.

utterance: OK. And then do you have their bank account number?

utterance: Yes. Thirty-one seven nine fifty-nine.

utterance: OK, perfect. OK. Please hold while I go ahead and get this all set up and transferred for you. It'll be just a quick moment. OK. I have gone ahead and made the wire transfer. It is immediate. It will show on their end as well as your end that it has been in fact transferred. was there anything else I could help you with today?

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

utterance: OK! Well, then you have a great rest of the day! Bye bye!


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

utterance: Yeah hi Sam this is John Waters at Three Waters Watering Hole.

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

utterance: Yeah I got a a promotional flier for a free toaster if I open up a Diamond Management account?

utterance: Oh I think you're referring to the wealth management account actually. That's our that's our only promo we have going on right now is for the wealth management account. We don't have a Diamond.

utterance: Oh OK so can you tell me a little bit about the wealth management account?

utterance: Sure it's a savings account where you have a larger amount of funds in it that draws a higher interest than our Smart Savings account.

utterance: Oh OK well then yeah I would like to set up that product.

utterance: OK it requires a minimum deposit of a hundred thousand.

utterance: Oh well actually on second thought I'm not sure if I can do that.

utterance: OK would you like to check your checking account? Or would you like to hear about the Smart Savings account?

utterance: well you can check my checking actually.

utterance: OK so your business checking account here. Let me get my screens switched. OK can I please get the first and last name on the account?

utterance: John Waters.

utterance: Date of birth?

utterance: One eighteen of eighty-nine.

utterance: PIN number?

utterance: Zero one it's zero one oh six.

utterance: OK and can I please get the bank account number?

utterance: Yeah it's thirty-one seventy-nine fifty-nine.

utterance: OK I am showing a balance here of let's see. Eight hundred twenty-five thousand three hundred and twenty-two dollars and twenty-two cents.

utterance: Oh on second thought no I I don't think I am gonna open up that wealth management.

utterance: OK did you want to open up the Smart Savings account at all?

utterance: no I I I don't think so at this time. I'm I think I'm gonna keep my accounts as are is.

utterance: OK well definitely keep those at the back of your mind for future.

utterance: All right that sounds good Sam!

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

utterance: no that's OK.

utterance: OK. Well then you have a wonderful day.

utterance: You, too.

utterance: Mm, bye.


utterance: Hello. Thank you for you calling Intellibank. This is Alexander. How can I help you today?

utterance: Hi Alexander. yeah. I am looking to. I think I wanna get a Treasury bond yield.

utterance: OK.

utterance: Can you let me know about that?

utterance: Yeah, absolutely. I'll absolutely help you with that. Are you an existing customer with us?

utterance: Yeah, I actually I ended up being cuz I got into this huge fight with my dad because he. I dunno. the bank that I was currently at was not not not doing. Not doing me right so to speak. And he's been a member of you guys for for a really long time. And he said that you guys were the best of the best, whatever blah blah blah. So yeah, I It's new. It's new for me. It's only been like a year or so for me.

utterance: Oh.

utterance: OK, well I'll be happy to help you out and take you through these steps. getting than Treasury bond yield. Can I get your first and last name?

utterance: yeah, my first name is Phoebe. Last name Twiddleton.

utterance: Phoebe Twiddleton.

utterance: Yeah.

utterance: And your date of birth?

utterance: April seventh nineteen ninety-nine.

utterance: April seventh nineteen ninety-nine.

utterance: Mhm.

utterance: Your four to eight digit PIN number you have registered with us?

utterance: Hmm. Four eight two two eight.

utterance: Four eight two two eight. Now, this bond you are inquiring about, do you remember the time period it was purchased for? The bond time?

utterance: yeah. This is. This is for my my Temperature Bond though right?

utterance: Excuse me?

utterance: It's called a Temperature Bond. Wait, what is this bond called?

utterance: Oh, this is the Treasury Bond. I'm not aware of a Temperature Bond, but I. I could be wrong. But yes, you're. You're looking for the Treasury Bond Yield with us. Perhaps that may be something service you called about. Somewhere else.

utterance: Maybe it was, I'm so sorry. OK, I thought it was Temperature Bond, but yeah maybe it. OK. Treasury Bond.

utterance: Don't worry, people call things by the wrong things a lot. I do it myself sometimes even at the call center, so don't. Don't feel bad about that. Mhm.

utterance: OK.

utterance: That makes me

utterance: Feel better. Thank you.

utterance: Great, that's what I'm here for.

utterance: OK.

utterance: All right.

utterance: It's like therapy

utterance: Or something. Crazy.

utterance: Well, you know we like to at least extend some positivity during during these times, over the phone. Mhm.

utterance: Therapy bond.

utterance: Yeah. No that's

utterance: Lovely. Thank you.

utterance: If we can.

utterance: Yeah. So yes. That's the bond time gain? The the time period? That was.

utterance: Oh, time period. Yeah yeah yeah. I I have the five year Temperature Bond.

utterance: Five year Treasury Bond.

utterance: Oh, gosh. Yes. So sorry.

utterance: Oh, no.

utterance: Five-year Treasury Bond. Got it. Yes.

utterance: No

utterance: Worries. I've got that pulled up for you. That is returning a bond yield of seven point five percent.

utterance: Oh. OK.

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

utterance: Can you repeat that for me I wanna. I just wanna write that down. .

utterance: Seven point five per cent.

utterance: OK. OK, anything else. Yeah yeah yeah, I do. I do actually need one more thing. I'm not good with finances, bought bought a yacht recently. Big big mistake. Huge mistake. Haven't used it once.

utterance: That's OK.

utterance: actually took, took I I lied. I did use it once, but I need, I need an appointment. With a financial advisor please.

utterance: Sure.

utterance: Oh you wanna speak to one of our financial advisors?

utterance: Yeah. Yeah, I do please.

utterance: OK I can set you up with that. wanna let you know, right now we're offering two different services. Because of the pandemic. We're doing it online by Zoom or we can do it in person at your local branch. Which do you prefer?

utterance: let's do Zoom.

utterance: OK. I can set you up with a Zoom meeting. They'll be sending you a specific link to your email address on file. Could you verify that? Verify that email for me?

utterance: Yeah, the email is Danson Kate three three eight at Yahoo dot com.

utterance: Danson Kate three three eight at Yahoo dot com. Absolutely. and which date did you have in mind?

utterance: do you guys do it every day of the week or just Monday through Friday?

utterance: Monday through Saturday.

utterance: OK, let's do. Let's do the Saturday so, November twenty-eight.

utterance: Yeah, this Saturday, November twenty-eighth. time frame you prefer?

utterance: Hmm, morning would be more convenient for me, but whatever's available, obviously. is noon available, maybe?

utterance: Noon in Pacific Standard Time, so that would be noon at work. I do have that available.

utterance: OK, awesome. Yeah let's do that.

utterance: All right. noon Saturday twenty-eighth I have you set up with an appointment with one of our financial advisors. And I'll send you a reminder email to that email address. But just to let you know that you are absolutely confirmed for that.

utterance: OK great. Thank you so much.

utterance: All right, well thank you so much. If there's anything else I can help you with, you let me know. You OK?

utterance: Yeah I'm all set.

utterance: OK.

utterance: Thank you.

utterance: Well, thanks. Thanks again for calling and for being a valued Intellibank customer.

utterance: Thank you.

utterance: All right, bye bye.

utterance: Bye.


utterance: thank you for calling Intellibank, this is Jordan. How may I help you today?

utterance: Hi, I'm trying to set up some automatic credit card payments and your website is down.

utterance: All right I am very sorry to hear that I can go ahead and pull up your account here. To do that I am going to need to start by asking your full first and last name as it appears on your Intellibank account.

utterance: yeah it's Kendra with a K, Pitts, P I double T S.

utterance: all right and what is your date of birth.

utterance: it is April fifteenth nineteen ninety.

utterance: OK.

utterance: I know that some banks are charging now for the phone customer service, is there going to be like a fee for this call?

utterance: Oh no not at all.

utterance: OK.

utterance: yeah I just feel like the website has been down a lot recently.

utterance: It has been down a lot recently, I'm very sorry about that.

utterance: Are there like plans to change that?

utterance: I, you know I've heard that they're working on it. but you know I've been hearing that now for several years. So I'm not really sure what to say.

utterance: OK can you leave a note on my account that I'm really considering changing banks if the website isn't fixed.

utterance: Absolutely, I will definitely leave that note for you.

utterance: Thank you.

utterance: All right and what was your twelve digit account number?

utterance: it is five six three eight one zero one six four five eight three.

utterance: and your four digit PIN?

utterance: zero three four one.

utterance: all right. hold on a second here while my system loads. Unfortunately things are moving slowly on our end as well.

utterance: yeah.

utterance: OK. I have your account all pulled up here. what is the sixteen digit card number that we'll be making those payments to?

utterance: It should be seven two eight two eight six three one eight seven five seven two nine four eight.

utterance: all right. and what account number would you first off what account would you like for would you use to have that amount debited out of every month.

utterance: I think the savings is probably the safer bet.

utterance: and what is your twelve digit savings account number?

utterance: It should be zero six nine five four six eight seven six eight five six.

utterance: all right.

utterance: and what is the nine digit routing number?

utterance: Isn't that something you guys should have on your end? It's it's a Discover card so.

utterance: Unfortunately we do not have that, I'd need to get it from you.

utterance: all right, give me a second.

utterance: I think it's nine three two zero two six zero eight eight.

utterance: all right and how much are we charging that card every month.

utterance: The full, full balance.

utterance: and which date every month?

utterance: just do the last day of each month.

utterance: all right that is all set up. Is there anything else I can help you out with today?

utterance: No. I mean the website, but.

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


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

utterance: Yes, hello Gianna. I wanted to set up an automatic credit card payment. Can I set this up over the phone? Also can I change the payments later?

utterance: Yes sir you can set this up over phone with us today, and if you would like you can go in online at Intellibank dot com or you can call us at some other date and change this payment later on.

utterance: OK, sounds great.

utterance: All right sir. First I'll need to get a little bit of information from you so I can go ahead and establish that automatic credit card payment online sir.

utterance: All right.

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

utterance: Yes. My first name is Gabriel.

utterance: And your last name sir?

utterance: Robinson.

utterance: All right Mr. Robinson, can I have the date of birth please?

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

utterance: OK sir, you said ten twenty-four nineteen seventy-four?

utterance: Yes ma'am.

utterance: All right thank you sir. Could you give me the PIN, that it's set up for this account please?

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

utterance: OK sir you said four four nine five four nine correct?

utterance: Yes, correct.

utterance: All right, thank you so much Mr. Robinson. Could you also give me the credit card number you have on file?

utterance: Yes, that credit card number is four five three nine six eight five four eight eight two three three six two eight.

utterance: OK sir to verify that number was four five three nine six eight five four eight eight two three three six two eight. Is that correct?

utterance: Yes, that would be correct.

utterance: All right sir could you give me just one moment, while I look up your information in our system.

utterance: Yes.

utterance: All right, sir. Looks like you currently have a balance of forty-five hundred dollars. Your normal due date is around the twentieth of each month, and your current due amount is one twenty five. how much would you like to set up this payment for?

utterance: could I set it up for one fifty?

utterance: Yes sir you could set it up for one fifty each month from here on out. Do you have a date which you would like to set this up for sir?

utterance: Yes, is the seventeenth available?

utterance: Yes sir, I can set this up on the seventeenth for you each month. Give me just one moment while I go ahead and put that in our system.

utterance: All right.

utterance: OK sir, I'm gonna need the account number you would like. Oh, you already given me the account number and the routing number Correct?

utterance: I believe so.

utterance: OK sir, just to make sure could you give me that account number again?

utterance: Yes, that account number is four oh nine five five two three one five seven.

utterance: OK, sir and the routing number.

utterance: OK that routing number is five one one three four three six seven eight.

utterance: OK sir, thank you so much. I actually didn't have that set up in our system.

utterance: Oh, OK.

utterance: Correctly so again let me reiterate that number was four zero nine five five two three one five seven.

utterance: Yes.

utterance: And the routing number you gave was five one one three four three six seven eight.

utterance: Yes, that's correct.

utterance: OK sir, thank you so much I'm I'm so sorry about that sir.

utterance: Oh, that's all right.

utterance: All right. I've gone ahead and corrected that in the system. Now we have your payment set up for the seventeenth of each month it will be debited one hundred fifty dollars each month until this payment has already processed through and your balance is no longer required. It may have an uneven number at the end of the month so you'll get a notice in the mail to let you know what the ending payment will be sir. Once this balance is already at the last, all right?

utterance: OK. OK. I appreciate that.

utterance: Mkay.

utterance: Sir and also if you wanted to change that in the future you can give us a call and if you are online banking customer you can go online at Intellibank dot com and access your online banking account. And you can go in and reschedule that payment anytime.

utterance: OK, and I can do it offline?

utterance: Yes, sir you can you can do that offline. We also offer a app online, I mean on our app store so you can just download that app and use that over your phone as well.

utterance: OK, sounds great.

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

utterance: No thank you Gianna, that's about it.

utterance: Thank you so much for your time and patience sir. I really appreciate you today again my name was Gianna, and I hope you enjoy the rest of your day.

utterance: Thank you.

utterance: Thank you too sir, bye bye.

utterance: Bye, bye.


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

utterance: Santino? that's a great name, man. I am calling just because you know I've been a loyal customer of Intellibank for a long time. And you know, I run a a shipping company. And you know lately we've been just waiting for so much. So much of a, you know, wood shipments to come over from overseas. And because of the pandemic, everything is freaking blocked at, you know, at the Long Beach ports. And none of my furniture clients can get what they want. So, you know, all this wait is just making us, you know, spend so much on freaking admin costs. So, I was just wondering, you know, if what I could do about that? I mean, like how do I supplement my my, you know, my my loan costs and like make sure that I'm not going under?

utterance: Well, I completely understand your situation. you are not alone. A lot of people are going through this exact same thing. And we offer a special loan right now for people in your exact situation. It is the SBA five oh four loan. Is that something you would be interested in applying for today?

utterance: Five oh four loan. That sounds pretty legit. Yeah. Let's do it. Five oh four.

utterance: And you're an existing customer with Intellibank?

utterance: I am.

utterance: Great. So, let's go ahead and start by pulling up your account. To do that, I'm gonna need your full name as it appears on the account.

utterance: Okay, great. my full name is Robert that's my first name and my last name is Peralta. P E R A L T A.

utterance: All right.

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

utterance: My date of birth is August seventeenth, nineteen eighty-nine.

utterance: Great. And what's the last four of your Social Security Number?

utterance: Last four of my social security is nine nine one two.

utterance: All right. And finally, to access your account, I am going to need your four digit security code.

utterance: For security code, you mean the PIN. six three nine nine.

utterance: yes. Your PIN. Sorry about that. All right. That checks out. Great! Well, we are in your account. And to begin the loan application process, I'm going to need you to verify some of the info that we already have on file. I'm going to need your mailing address that we have here.

utterance: No. No worries.

utterance: Sure thing.

utterance: mailing address would be two one three Avenue of the Americas, New York, New York.

utterance: And the ZIP code.

utterance: ZIP code is I think it's zero zero one two nine.

utterance: Thank you very much. And I'm going to need your email address.

utterance: Yep.

utterance: OK. Email address is you know, Robert. R O B E R T. Peralta. P E R A L T A. Zero three one at Yahoo dot com.

utterance: Great. And what is the business name?

utterance: the business name is Peralta and Sons. P E R A L T A and sons. and is an ampersand. and the corporation is an LLC.

utterance: All right and are you the sole owner?

utterance: I am now. my my dad used to run the company. I'm actually Robert Junior.

utterance: And can I get the date that the business was established?

utterance: Yes. the date was. The business was originally established in April first, nineteen seventy-three.

utterance: All right. And I'm gonna need your tax ID number.

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

utterance: And how much were you looking to borrow?

utterance: I'm looking to borrow about like thirty thousand I think. which is you know the the shipping. The shipping containers are like just just.

utterance: Ugh, just driving me crazy. So, I would say thirty thousand over the next two quarters just to. Just to make sure everything goes well.

utterance: And I understand you're having shipping container problems with the ports, but what is the exact stated purpose for your loan?

utterance: Shoot. I would say

utterance: or administrative costs? .

utterance: Yeah. Administrative

utterance: That that sounds about right. Yeah. Mhm.

utterance: All right.

utterance: Well, that is all we need for this application. I'm gonna go ahead and submit it here and then you will get an answer back via email or mail in seven to ten business days.

utterance: Thank you so much.

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

utterance: That's it. thank you so much. I really appreciate it.

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

utterance: Yes sir.


utterance: Hello and thank you for calling Intellibank. My name is Rebecca, and I will be assisting you today. How may I help you?

utterance: Rebecca, I was wanting to get some information about your S B A five oh four loan. I'm looking to upgrade some office space, just wanting to see if this is a, a good option for my company. can you give me a little bit more information about the the five oh fours?

utterance: OK.

utterance: Ab~

utterance: Absolutely. And may I ask who I am speaking to?

utterance: yes, absolutely. My name is Melvin Ward.

utterance: OK.

utterance: Five two nine three Maplewood Drive.

utterance: Oh, one moment. I'm I'm not quite into the screen yet, but

utterance: Mm.

utterance: PIN number is one one, one nine.

utterance: Oh, thank you. I will be asking you for that, but not just quite yet.

utterance: OK. Sure.

utterance: Thank you for providing that.

utterance: so, if you're looking to upgrade your business and expand it the SBA loan, the five oh four, is a great way to do it. taking advantage of a bad situation with the pandemic, SBA loans have been extended. You can apply for loans for a greater amount of time at a much lower interest rate, and it's easier to obtain an SBA loan versus say a term loan. Because since the government is backing it it makes it easier for a customer to be approved.

utterance: OK. How how soon do the results come back after applying?

utterance: We generally find out between seven to ten business days.

utterance: Seven to ten business days. OK.

utterance: Once your.

utterance: Application is complete, yes.

utterance: OK. All right, so is there is there an online application? What's the what's the best way to to

utterance: Well.

utterance: I can do it right now. You can do it online. You can do it through our mobile app, but I can definitely assist you with that right now.

utterance: OK.

utterance: Oh you can do it. OK. Great. Let's let's do that.

utterance: OK, great. So just to get you into the system the loan, by the way, will be under your name. Melvin Ward.

utterance: Correct.

utterance: OK, and now go ahead and provide me that PIN number again.

utterance: the PIN number is one one one nine.

utterance: Great, and can you just verify your date of birth?

utterance: My date of birth is one twelve nineteen seventy-five.

utterance: OK, great. All right, so I'm just gonna be asking you some information for the loan. your social security number?

utterance: Six two five eight four seven five two eight nine.

utterance: OK. And your driver's license number, and the state where it was issued?

utterance: California driver's license. Nine four six eight four two nine eight eight six.

utterance: OK.

utterance: The best email address to reach you?

utterance: that would be Mel at juice dot org.

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

utterance: I am. Yes.

utterance: OK. Terrific. And can you tell me approximately when the business was established?

utterance: it was established in two thousand one twelve two thousand.

utterance: OK, great. Full information there. the gross annual sales for last year?

utterance: Last year we just eclipsed three hundred and seventy-five thousand.

utterance: Congratulations.

utterance: Thank you.

utterance: your tax ID number?

utterance: Four nine eight zero seven nine two four nine seven.

utterance: OK.

utterance: And our address is five four nine Elm Street in Los Angeles, California. Nine zero zero zero eight.

utterance: OK, and is that also the same as your mailing address?

utterance: Yes, that's our shipping address. Correct.

utterance: Great. And what amount would you like to apply for, for the loan?

utterance: fifty thousand, and I understand you guys have terms of ten years?

utterance: OK.

utterance: Terms of up to ten years.

utterance: OK.

utterance: And I personally recommend going for the ten year, because there's no penalty for paying early. But it just gives you longer amount of time at a very low interest rate.

utterance: OK.

utterance: OK. Sounds good.

utterance: OK, great. So we'll do the ten years. And then also, upon approval, you will owe a down payment immediately between five to twenty percent. What would you like to put down for your down payment?

utterance: Seven, seven percent.

utterance: Seven

utterance: Percent. Wonderful. OK. I do see here that you have our business preferred checking account. So upon approval I can authorize this routed into that bank number if you'd, if you'd like that. Into that bank account, I should say.

utterance: you know . It's it's off the wall question. is it possible to get partial in American dollars, and other exchanged for euro dollars?

utterance: not for an SBA loan. However, if you do like, if you need an exchange rate I can provide you exchange rate information. The loan itself will come through in American dollars, and once it's funded into the account you can go ahead and route it into a another account, even internationally.

utterance: OK.

utterance: What is the. Do you, do you know what the exchange rate is offhand?

utterance: and I'm sorry. Tell me again the currency.

utterance: Euro.

utterance: Oh, for the euro. OK. Let me check for you. OK, and do you know that this this can change daily, but the current rate for the euro is point seven five versus the American dollar.

utterance: OK, so seventy-five cents, there we go. OK.

utterance: Not too bad, all things considered.

utterance: Not

utterance: Bad. Right. OK.

utterance: OK, well that completes the loan process. I did send a link to your email address. Please make sure you upload the two documents we require A a copy of your tax ID and your driver's license. That does finalize your loan. And as I said, you would hear back between seven to ten business days.

utterance: All right. Sounds good.

utterance: All right. I. May I answer any other questions for you today, Mr. Ward?

utterance: No. No, Rebecca, you've been a great help. Thank you.

utterance: Absolutely. Well thank you so much for calling Intellibank, and have a great day.

utterance: You too.

utterance: Bye bye.


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

utterance: Hey, how you doing, sir? this this is Eric Roberts. How you doing?

utterance: I'm great, Mr. Roberts. How are you today?

utterance: I'm doing great. Just I I need to order checks, man, and I need to I need to order them fast.

utterance: Excellent. Well, I can help you with that. can you give me your first and last name again? Sorry.

utterance: Yeah.

utterance: Eric Roberts.

utterance: Eric Roberts. Great and your date of birth?

utterance: It is January first nineteen. Oh, I'm sorry. January first twenty-eight nineteen seventy.

utterance: January first. sorry, what I'm sorry sir. You said, January first twenty-eight? Is that?

utterance: Yeah.

utterance: January first.

utterance: OK.

utterance: Zero one twenty-eight.

utterance: Yeah.

utterance: Nineteen seventy.

utterance: OK. Great.

utterance: Yes.

utterance: January first. Wait, what's the twenty-eight, sir? I don't understand what the one twenty-eight is.

utterance: No, no, no. It's January.

utterance: January.

utterance: The month of January, the date twenty-eighth.

utterance: Yes.

utterance: Twenty-eighth of January nineteen seventy-eight. Great. I got it.

utterance: yeah and I'm yeah.

utterance: Maybe I worded it wrong. I'm sorry. I'm getting old, I'm getting old. I'm getting old here man. I'm sorry about that.

utterance: That's all right. That's all right sir. it's no problem.

utterance: No problem at all. and can I get your customer PIN number and the shipping address associated with your account?

utterance: yes. Shipping address is Apple Main Ave, seventy-five forty. Lancaster California.

utterance: Got it and the ZIP code there?

utterance: Ninety three forty-five seven.

utterance: Fantastic. And, what what number of checks would you like for me to send to this address?

utterance: I need the least about two twenty-five.

utterance: Two twenty-five? Great. Well, they come in sets of fifty so would it be great for me to send you two hundred fifty?

utterance: Yeah yeah.

utterance: OK.

utterance: You know what? That will be cool. And is is it is it Can I just get an additional you know thirty? Or an additional fifty?

utterance: Sure. So three hundred checks?

utterance: Just to have .

utterance: Yeah. yeah we can do that. I mean two seventy-five, three hundred. That's not. That's not a big deal. So yeah, three hundred that would actually way better to the. Yeah, it'd be better. That'd be good.

utterance: OK.

utterance: That'd be really good. So I, you know, gotta do that. Oh! Did you. Do I need my PIN for this?

utterance: yes sir. I will need your customer PIN.

utterance: Oh OK. Well.

utterance: OK. Hold on real quick cuz I forgot about that. One moment, sir. Hello, you still there?

utterance: Hi. Yes, I am.

utterance: Oh, OK. my PIN is ninety-nine oh three seven.

utterance: Ninety-nine oh three seven.

utterance: Yes.

utterance: Got it. Thank you. and now I'm sending three hundred checks to the Lancaster address you gave me. is there anything else I can help you with today?

utterance: yes. There is one more thing. I I need to make sure that is this going to be annually or do I have to pay every time or you know what's what's? Cuz this is all new now so you know.

utterance: Oh. Well, the checks are a free service associated with your Platinum account so.

utterance: Okay.

utterance: that that is all covered. there's nothing additional that you need to pay for with these checks.

utterance: Oh, so.

utterance: Oh.

utterance: Oh, look it there.

utterance: Yeah.

utterance: That's awesome. That's really awesome. man, well no that makes a lot of sense. I never even, you know, with the last place I was at they didn't give those type of services, so I.

utterance: Oh. Well, we

utterance: Do value your business and we're trying to make this as easy as possible for you and running your business and we do appreciate you as a customer, so that is just how we like to do things.

utterance: Thank you so much and and let me ask you. Is your online services, is it the is it the same?

utterance: Sure. You can go online to do anything that you need to take care of on the phone or at one of our banks. So, with that PIN number and your information you should be able to go on and take care of everything. Though, I'm happy you with anything else if there's other business that you need help with.

utterance: No. we went over so I'm getting three hundred and

utterance: Correct.

utterance: And yeah, no then I. And everything is shipped and I have for my PIN. Everything is there. Yeah, every everything is everything is on point. I think this is it, my friend.

utterance: Excellent. Well, we do appreciate your business and I will be sending these checks out, putting the request in and they should mail to you within two business days. Is that gonna work for you?

utterance: Is there any way we can speed that up a little bit?

utterance: Sure, I can put a rush on it and you should have it within twenty-four hours. Is that OK?

utterance: Even better. Even better. And now do we. is that an additional cost or because of platinum I have that feature?

utterance: no. That is included, so you should be getting those within twenty-four hours and we appreciate your business. Anything else I can help you with today?

utterance: Wow.

utterance: No sir.

utterance: You've been great. Thank you so much.

utterance: All right.

utterance: Thank you.

utterance: Bye bye.

utterance: Bye.


utterance: Good afternoon thank you for calling Intellibank, my name is Ralph. Who may I have the pleasure of serving?

utterance: I'm Michael, how's it going?

utterance: It goes well Michael, how is your day going?

utterance: Good.

utterance: I'm doing well.

utterance: All right, and what can I do for you today?

utterance: well I was wondering if you could change my number on my card there.

utterance: I can absolutely do that Michael. I'm gonna need your full name to be able to get into your account.

utterance: Oh fantastic.

utterance: Michael Carpenter.

utterance: Michael Carpenter, and can I have your date of birth?

utterance: Yeah.

utterance: it's February thirteenth nineteen five.

utterance: February thirteenth nineteen five got it and the PIN number on your account?

utterance: three one two one.

utterance: Three one two one, perfect.

utterance: One second while this loads.

utterance: All right, just looking over everything. Everything's looking pretty good.

utterance: I see you just got a new platinum card, you should have it about two days congratulations on that.

utterance: Sure did yeah.

utterance: OK great.

utterance: Thank you so much.

utterance: All right.

utterance: And number. Could you could you actually verify your address on file?

utterance: could you say that again? I'm sorry.

utterance: Could you verify your address on file?

utterance: Oh yeah.

utterance: six zero three Wiltshire Boulevard Los Angeles California nine zero zero three six.

utterance: Got it perfect thank you for that. And could you verify the email you have on file as well?

utterance: Yeah pink and white at Gmail dot com.

utterance: Oh we actually don't have that email on file. should we add that one, or replace the one you currently have?

utterance: I don't know, the the one that I have on file's fine.

utterance: OK, all right.

utterance: Just Michael

utterance: Carpenter at Gmail dot com.

utterance: All right, and what's that number you would like to change to?

utterance: Oh two one three three zero six zero eight four one.

utterance: Zero eight four one got it.

utterance: All right and while I have you on the line, is there anything else I can do?

utterance: would you like to know anything about our auto loans, our insurance rates, our accounts?

utterance: the the auto rate sounds pretty good.

utterance: OK, yeah for we're offering a reduced interest rate of four point three percent for customers who have been with us for three years, and you just passed that mark last week.

utterance: Oh fantastic.

utterance: So is that something you'd be interested in?

utterance: yeah go yeah go ahead and sign me up for that.

utterance: All right, we actually have an auto loan navigator on our website that allows you to type in the the type of vehicle that you're looking for. And it'll pull up all of our partners across the country that have that type of vehicle and if it's on our site then, and you approve for it, then all you would have to do is go to that location, give them your paperwork and everything will just be ready for you to go.

utterance: OK.

utterance: Oh OK great, I'll go ahead and do that. Anyway, how you doing today?

utterance: I am doing pretty well, it's been a very long day but I'm hanging in there.

utterance: Wow, what what's making it long?

utterance: Oh I just got into a car accident and

utterance: Oh, that's crazy.

utterance: Sorry to hear that.

utterance: oh thank you, and it's it's just a complete nightmare.

utterance: Even when you're not the one at fault you end up being the one that's burdened with everything.

utterance: Sure yeah.

utterance: Well I'm sorry you're going through that.

utterance: Thank you so much sir, I I do appreciate it but I'm a trooper. I'll get through it. It's just an a huge huge inconvenience.

utterance: Yeah.

utterance: I can imagine, sure.

utterance: Well how's your day going I don't wanna .

utterance: Oh you know

utterance: I'd say things are good over here.

utterance: Just you know refurbishing you know old dolls, that's my business.

utterance: Oh refurbishing old dolls?

utterance: Yeah.

utterance: Oh well that's fantastic, I've never heard of anyone doing that.

utterance: Oh yeah yeah people have buy their old toys and you know they need a buffering or a new paint job and I'm the I'm the guy to do it.

utterance: And this like just like a side business that you have?

utterance: No it's my main my main hustle as they say.

utterance: Oh that's what your business is that you have with us?

utterance: Yes, that's right.

utterance: Oh well that's great. I had no idea you could generate such numbers with that type of business.

utterance: Well you know I'm like really the only guy doing it so you know I can pretty much charge whatever I want there. GI Joe GI Joe that cost about you know two hundred bucks and you'd be surprised people you know people they'll pay. They'll pay it, you know, save the childhood.

utterance: Wow.

utterance: Well good for you, finding a way to monetize something you love.

utterance: I am still looking for that.

utterance: Oh you just gotta keep looking, you'll find it.

utterance: All right well I'm not gonna hold you today, I we got that number changed, I gave you some information about the auto loan I hope you follow through with it. and if you need any help in the future or anything else, feel free to contact us again.

utterance: I will, thank you so much.

utterance: Well thank you again and enjoy the rest of your day.

utterance: Yeah, you too.


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

utterance: Hello. Yesterday I was offered a great deal on a new product for my business but in order to purchase them, I need to purchase more storage space as well. I would like to apply for a. For. For a. For a term loan. business. loan to cover my expenses.

utterance: Oh yes sir. I could certainly help process that term loan for you. But first I'll need to get a little information so that I can go ahead and make that request in our system, if you don't mind?

utterance: All right.

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

utterance: Yes. My name is William Grayson.

utterance: All right Mr. Grayson, could you give me your street address next?

utterance: Yes. My street address is thirty-five seventy-eight Clinton street.

utterance: All right sir. And can I get your city, state and ZIP code please?

utterance: Yes. Little Rock, Arkansas ZIP code seven two two one one.

utterance: OK sir. To verify, that address is, thirty-five seventy-eight, Clinton street, in Little Rock, Arkansas. ZIP code seven two two eleven?

utterance: Yes.

utterance: All right sir. Thank you so much for verifying that information. And next could you give me your social security number please?

utterance: Yes. My social security number is four three two, eight six, three nine six nine.

utterance: All right sir. You said four three two eight six three nine, six nine?

utterance: Yes.

utterance: All right. Thank you very much. And could you give me your driver's license number please?

utterance: Could you hold on please for a second. I need to go and grab that.

utterance: All right sir. Take your time.

utterance: All right.

utterance: All right. I got it here.

utterance: OK. Go right ahead.

utterance: Four eight, two two, one nine, one nine four.

utterance: All right. You said four eight two, two one nine, one nine four?

utterance: Yes.

utterance: All right sir. Go ahead with the state please.

utterance: State of Arkansas.

utterance: All right. That's in Arkansas.

utterance: Yes.

utterance: OK sir. Can I get the account PIN you would like set up for this account?

utterance: Five five two three please.

utterance: OK. Five five two three.

utterance: Yes.

utterance: OK sir. Do you have a email address you would like to put on file with us?

utterance: Yes I do. That email is Grayson W S A S Twenty ten at Gmail dot com.

utterance: All right sir. That was Grayson W S A S, twenty ten at Gmail dot com?

utterance: Yes. That's right.

utterance: All right. Thank you so much. And could you list the business name please?

utterance: Yeah. Shuck's Auto Supply.

utterance: OK sir. You said Shuck's Auto Supply?

utterance: Yes.

utterance: Yes.

utterance: All right. And are you the sole owner of this business sir?

utterance: Yes I am.

utterance: All right. And when was this business established?

utterance: nine, five, two thousand ten.

utterance: All right, that was That was September fifth twenty ten?

utterance: Yes.

utterance: OK sir. And what do you estimate the gross annual sales as?

utterance: three hundred twenty-five thousand.

utterance: All right. That's three hundred and twenty-five thousand sir?

utterance: Yes.

utterance: OK. And could you tell me the tax ID for that business?

utterance: Tax ID is Five six five, four three four, six six zero.

utterance: All right. That was five six five four three four, six six zero?

utterance: Yes it is.

utterance: All right. Thank you sir. And could you list the business address please?

utterance: Yes. Five five one, Lincoln Drive.

utterance: All right. And the city, state and ZIP code?

utterance: Little Rock Arkansas. ZIP code seven, two two one one.

utterance: OK sir. To verify, that business address was, five five one, Lincoln Drive in Little Rock, Arkansas, ZIP code seven two two eleven?

utterance: Yes.

utterance: All right sir. And, how would you like your mail sent out? Would you like that sent out to your home or business address on file?

utterance: Business please.

utterance: All right. And to verify that is the five five one, Lincoln Drive, Little Rock, Arkansas address?

utterance: Yes.

utterance: OK sir. And what is the loan amount you would like to request on this loan?

utterance: One hundred thousand.

utterance: All right. A hundred thousand?

utterance: Yes.

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

utterance: well, I want to purchase. I want to purchase real estate. and equipment.

utterance: OK. So you need to purchase both real estate and equipment with this loan?

utterance: yes.

utterance: All right sir. Which is going to take the bulk of that loan?

utterance: I believe that the real estate will.

utterance: OK. So the majority of this is gonna go as a real estate purchase?

utterance: Yes.

utterance: All right sir. So I'll just process it as a real estate purchase loan if that's OK? You can still use it to purchase equipment. You can put that on file when you actually process the loan payments. It's not. It's just for semantics to make sure that we process it in our system correctly if that's OK.

utterance: OK.

utterance: Yeah.

utterance: All right, sir.

utterance: And what is the loan term you would like set up for this loan?

utterance: fifteen years, please.

utterance: OK. And you would like a fifteen-year loan term?

utterance: Yes.

utterance: All right sir. Gimme just one moment while I go ahead and set that loan request up in our system please.

utterance: All right.

utterance: All right Mr. Grayson. I'll advise you that this term loan is a basic loan that has a lump sum upfront payment, and it has specific repayment schedule. You set this up for fifteen years. It has no collateral required on this loan, so it'll be When we get through processing this loan, we'll actually send out your information, but first you'll need to send in some supporting business documentation. And then we'll have to get back to you with the results of your application.

utterance: All right. Sounds great to me.

utterance: OK.

utterance: Sir, so you can send in that document documentation as soon as possible via email or fax. we actually have our fax information in the report we're gonna go ahead and send you in your email address as well as in the mail about this loan. application.

utterance: OK.

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

utterance: that's about it.

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

utterance: Thank you.

utterance: Thank you sir. Bye bye.

utterance: Bye bye.


utterance: Hi. My name is Tom. How can I help you today?

utterance: who who am I calling? What is this?

utterance: Oh.

utterance: Oh. I'm sorry. I'm sorry. This is Intellibank.

utterance: Oh, yeah yeah. Sorry, sorry man. whew. Tom, Tom, dude, dude, dude, dude. I I don't know. I I did something happen? Like, I my account, I had a Gold credit card with you guys. You know, like a one of those business Gold cards and then I didn't use it man. I looked up some balance yesterday and the balance was higher and I haven't used it. I don't I don't know what. It's I I mean. Sorry, dude. I've been running around all morning and I'm just like. What am I gonna do about this, you know?

utterance: Well hey, I'd really like to help you. Can I start off getting some information? can I get your name, please?

utterance: Yeah, yeah. My name's Brad Johnson.

utterance: OK, Brad. can I get your account number please.

utterance: Account number. That's four one oh one six nine two two three five four three.

utterance: All right, great. And how about your PIN? Can I get that?

utterance: PIN is one zero one zero. Yeah.

utterance: All right.

utterance: I got you pulled up here. OK, so just. so you have a business account? .

utterance: I got the Business Gold credit card with you guys.

utterance: OK.

utterance: All right and you're saying that there's a there's a charge on there that's higher?

utterance: Yeah, the whole balance. I mean I haven't checked the specific charges but I know I didn't use it like in like months, man.

utterance: OK. have you had any issues in the past with like this, the way you're explaining?

utterance: Nah.

utterance: Nah nah dude. Just just this one.

utterance: OK. well we have a we have a risk management specialist that we can get you in contact with. why don't I look up your account real quick, kinda go over it for a second. and just ask you a few questions. Do you know the last charge you made?

utterance: What.

utterance: Wait, so you're gonna send me to somebody else?

utterance: Well, I'm gonna get the information, see if I can help you. And I just wanted to let you know that most likely I'll be able to fix the situation but let's just kinda figure out where things are.

utterance: But you're gonna

utterance: Fix it or you're gonna send me to somebody else?

utterance: I'm gonna try to fix it. and most likely I can. Is it that you are trying to make a charge or you're just concerned about

utterance: whoa whoa whoa whoa. You're gonna send me to somebody or no?

utterance: well, OK. We have risk management specialists and what they do is they go over your account and they'll they'll they'll see what kind of information that you've provided. They'll look over any last charges and they'll put a freeze on your account.

utterance: OK. So you're saying I I do have to talk to somebody else. You just told me you'd handle it, dude.

utterance: Well I'm gonna see what I can do but if you really wanna get in detail you'll need to speak to a risk management specialist and I can make an appointment for you.

utterance: Yeah, yeah that's. OK. I I I just. Man, I. Like this just happened and I thought I could just call you guys. It says customer service and I I. If I gotta have another day where I gotta talk to you guys. Like I just need this handled right away. Can you just?

utterance: Are you?

utterance: Well I can put a freeze on your account and then we can try to set up an appointment for tomorrow.

utterance: All right, all right. Set the appointment up.

utterance: OK. What time works best for you?

utterance: We got morning.

utterance: You said.

utterance: Wait, tomorrow?

utterance: Yeah.

utterance: Yeah, tomorrow's fine. can you do two two p.m.?

utterance: Let me check. We have a two thirty available. Would that work? And that's with Rachel. She's really, really good and she

utterance: Rachel, dude.

utterance: She'll help you She'll explain things

utterance: Why?

utterance: You just brought up the name of my ex-wife, man.

utterance: Oh.

utterance: I'm very sorry about that. I really am. It's not is this like.

utterance: Did you like. Did you get that from my password or something? you know what she did to me, dude? She left me for my brother's best friend from high school. And this guy, he started ahead of me on the high school football team and I was better than him. Everyone knew I was better than him.

utterance: Wow. That is

utterance: Yeah.

utterance: That is I'm really sorry about that. you know if it would help I can get you in charge with Dirk. He's really good.

utterance: OK. Yeah, switch to Dirk.

utterance: OK. he he is available at two fifteen. So would that work better? For you? OK. And would you like a phone call with that? Would you like him?

utterance: And

utterance: that's fine. That's fine.

utterance: Yeah, yeah just give me a call.

utterance: OK.

utterance: All right. Can I also get your ZIP code?

utterance: Nine zero zero six six.

utterance: All right. Thank you very much. So you'll expect a call at two fifteen. If you need to change this at all give us a call back. But I I do believe you will be able to get this settled. And apologize for the delay in having to make an appointment.

utterance: That's OK.

utterance: All right. Thank you. Take care.

utterance: Bye bye.


utterance: Hi. Thank you for calling Intellibank, my name is Elizabeth and how may I assist you today?

utterance: Hi Elizabeth, how you doing today?

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

utterance: Oh yes ma'am I sure am. This is Yolanda, I'm calling from the Fox and Hounds and I was needing to see if I could check the balance on our real estate loan please.

utterance: I'd be more than happy to assist you with that today miss Yolanda. I do need to get some information from you so I could pull up your account. I have your first name as Yolanda. Is that spelled Y O L A N D A?

utterance: Yes ma'am that is correct.

utterance: Thank you so much and may I also have your last name please?

utterance: Absolutely. It's Y A T E S. Yates.

utterance: Oh thank you so much miss Yates. I have that spelled Y A T E S and may I also have your date of birth please?

utterance: Absolutely. It is April the fifteenth nineteen eighty-nine and just in case you do need it our email address is fox underscore hound one at I'm sorry at Verizon dot net. Let me repeat that for you we just had that changed. It is Fox underscore hound one at Verizon dot net.

utterance: Well thank you so much for that information Miss Yates. And may I also have your pin number please?

utterance: Sure. That will be three three one two zero seven six one.

utterance: I have your PIN as three three one two zero seven six one and you said you're with the Fox and Hound is that correct?

utterance: Yes ma'am.

utterance: Thank you so much Miss Yates. May I have the account number for your real estate loan please?

utterance: Absolutely. Let's see that will be nine one five nine six two five nine zero four.

utterance: Alright, I have the real estate loan account number as five I'm sorry excuse me, nine one five nine six two five nine zero four.

utterance: Yes ma'am that is correct.

utterance: Thank you so much Miss Yates just one moment.

utterance: I'm showing your balance as forty-two thousand six hundred eighty-seven dollars and forty-nine cents.

utterance: Okay great forty-two thousand six hundred eighty-seven dollars and forty-nine cents.

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

utterance: Yes ma'am absolutely. Actually we just moved from our old building out to our brand new building and oh my gosh it's so beautiful out here I am so excited. I need to change our address if I may?

utterance: I'll be more than happy to assist you with that miss Yates. May I have your new address please?

utterance: Sure. We moved from thirty-eight four sixty-nine Martin Luther king boulevard in Pittsburg Pennsylvania to our new address which will be five six eight two Shinn avenue and Shinn is spelt S H I N N and that is also in Pittsburgh.

utterance: Thank you so much Miss Yates. Let me just make sure I have this correct. I have your new address as five six eight two Shinn S H I N N Avenue in Pittsburgh Pennsylvania.

utterance: Yes ma'am that is correct and could I also go ahead and verify and make sure you have the correct phone number for us? That was changed as well.

utterance: Yes ma'am absolutely.

utterance: Okay great. Our old phone number was the area code seven two four five one three six four zero three but that has been changed to area code seven two four nine seven three two four seven eight.

utterance: Thank you so much miss Yates. I have your new phone number as seven two four nine seven three two four seven eight. Was that correct?

utterance: Yes ma'am it sure is.

utterance: Thank you so much. Was there anything else I could assist you with today?

utterance: No ma'am I think that just about has it Elizabeth, thank you so much for your help.

utterance: And thank you miss Yates for calling Intellibank. Have a wonderful day.


utterance: Hello thank you for calling Intellibank. My name is Lily and I am here to assist you, how may I help you?

utterance: Hi I was trying to log into my account on the website but it's not working so I need to call up so I mean I guess that's the only way I can get in if the website isn't working.

utterance: I'm sorry to hear you were having problems on the website, but I would be glad to assist you with this tonight let me just ask you a few quick questions so I can pull up your information. May I get your name sir?

utterance: Yes, it's Lance L A N C E my last name's Nelson N E L S O N. And my date of birth is eighty.

utterance: Oh excuse me, just one moment sir I'm still putting in your name. I just need to get to the next screen thank you for your patience.

utterance: Mhm.

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

utterance: August eighth nineteen eight.

utterance: August eighth nineteen eight.

utterance: Yeah.

utterance: Alright, I am also a Leo hello fellow Leo. Alright and your your PIN number.

utterance: PIN number I guess could you hold on for a second please?

utterance: Should be a four digit number.

utterance: Certainly.

utterance: Alright.

utterance: OK, I'm not sure which one of these PINs it is but it's definitely one of them.

utterance: OK.

utterance: could you try this one first?

utterance: Sure.

utterance: Eight one eight nine.

utterance: Eight one eight nine?

utterance: Yes.

utterance: No, that one doesn't seem to be going through.

utterance: OK, how about this one? Five seven one two.

utterance: Five seven one two.

utterance: Yes.

utterance: OK, yes sir that is correct. And what information were you looking to get tonight?

utterance: Oh yeah I I wanted to check my loan balance.

utterance: OK you wanted to check your loan balance. May I have your loan account number please?

utterance: Yes, and it's for my Intellibank business gold card It's

utterance: gold card is for your credit card but for our loans we have a term loan, a secured loan.

utterance: Oh yeah yeah.

utterance: Got ya.

utterance: and and the real estate loan, but I'll see that when I pull up your account.

utterance: Yeah it's for the the term loan. So it's six four five seven one nine.

utterance: OK.

utterance: Six four five seven one nine.

utterance: Yes.

utterance: OK, one moment.

utterance: OK, so I do see your term loan here, and you said you wanted to check the balance?

utterance: Yes Please.

utterance: OK. One

utterance: Moment.

utterance: OK Mr. Nelson the balance on your loan currently is sixteen thousand two hundred dollars.

utterance: OK OK, could I also make a payment?

utterance: to do that you'll you'll have to either mail in a payment or you'd have to do that online I'm not set up to do a payment for that right now however when the when the website goes back up you can do that.

utterance: But I can check the balance for you or I can check what the next due date is for you.

utterance: well the due date is actually today, which is why I was trying to log in so bad and needed to make a payment.

utterance: I see.

utterance: Alright well since you're having trouble with that, let me put you on hold so I can just speak to a supervisor and see if we can do that for you.

utterance: I'll just need to have her help me into the system. Can you hold just for a moment?

utterance: Yes. Thank you so much. I appreciate it.

utterance: All right. N~

utterance: No problem Mr. Nelson. One moment please.

utterance: Thank you for holding, all right I do have my supervisor here to override the system let me go ahead and process your payment. What is the amount you'd like to pay today?

utterance: I'll pay just an even thousand.

utterance: OK.

utterance: And I see we have payment information stored with the account number ending in nine two seven six?

utterance: Yes.

utterance: Alright all right one moment please.

utterance: OK.

utterance: OK I have processed that payment for you in the amount of one thousand dollars card ending nine two seven six and my supervisor has approved that.

utterance: Would you like the conformation sent to your email or would you like me to give that to you now?

utterance: You can send it to my email. That way I have like a, you know, hard copy.

utterance: Of course, all right I'll go ahead and email that out to you right now. Are there any other questions I can answer for you tonight Mr. Nelson?

utterance: OK.

utterance: No I think that was everything. thank you so much.

utterance: W~

utterance: You're so welcome. Thank you for calling Intellibank, and have a great night.

utterance: You too.

utterance: Thank you.


utterance: Hi. Thank you for calling Intellibank. My name is Linda. And how may I assist you today?

utterance: Hi Linda. I'm calling because, well I own a business and sometimes we will have problems with our equipment. And, I mean I know, I know we have some equipment that needs to be replaced now but, you know, we have, we have problems sometimes and I'm not really going to get a credit card to, you know, put these expenses on. And, since this does occur, when, you know, at times I don't need or that I don't know, I'm not really looking for a loan but isn't there something like kind of in between a credit card and a loan?

utterance: Well, ma'am what I would suggest doing, if you would like, is applying for a line of credit which is basically just a pool of money that a customer can draw from as needed, and then repay whenever you needed to borrow that money. So it's not like a actual credit card, and it's kinda like a loan, but you don't have to keep reapplying every time that you need some funds.

utterance: Oh, OK! Well, that, that sounds exactly like what I need, Linda. I do appreciate that suggestion. how would I go about applying for that?

utterance: Well ma'am, I'd be more than happy to go ahead and start a application for you today if you'd like.

utterance: yeah, that sounds great. what information do you need?

utterance: All right ma'am, for the actual application, let me go ahead and pull that up. well let's start with your name, please.

utterance: yeah, sure, my name is Monica, M O N I C A. My last name is Pry, P R Y.

utterance: Thank you so much Ms. Pry. I have your first name as Monica, M O N I C A and your last name as Pry, P R Y.

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

utterance: Thank you so much, and may I have your address please? Well, your home address.

utterance: Absolutely. My home address is fourteen sixty Wilson street, and that is in Los Angeles, California. And the zip is nine zero zero one seven.

utterance: Thank you Ms. Pry. So I have one four six zero Wilson street in Los Angeles, California, nine zero zero one seven.

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

utterance: Thank you so much. And may I have your social security number, please?

utterance: Absolutely! It's six two zero, nine zero, two six five nine.

utterance: Thank you ma'am. I have six two zero, nine zero, two six five nine?

utterance: Yes ma'am.

utterance: Thank you. And may I have your driver's license number please?

utterance: Sure! It's Y like yellow six nine, two one seven, eight four.

utterance: Thank you. So I have Y as in yellow, six nine, two one, seven eight four?

utterance: Yes ma'am.

utterance: Thank you. And what state was that issued?

utterance: it's a California license.

utterance: Thank you so much. And now we do need to come up with a PIN number for you. that can be from four to eight digits long, and that's will be needed if you need to call in and check the application for your line of credit, or after that is approved, then you would need that any time you need to access any kind of information about your account.

utterance: Oh, OK Linda, I understand. Thank you. how about four one two eight six zero eight nine?

utterance: All right Miss Pry. So that's four one two, eight six zero eight nine?

utterance: Yes ma'am.

utterance: Thank you ma'am. And may I have your email address please?

utterance: Absolutely! It's Monica dot Pry at Gmail dot com.

utterance: Thank you Ms. Pry. I have Monica dot Pry at Gmail dot com?

utterance: Yes ma'am.

utterance: Thank you so much. And may I have the name of your business, please?

utterance: yeah it's Eli Moore, Inc. it's E L I space M O O R E, comma I N C, well, incorporated.

utterance: All right, ma'am, I understand. that's Eli Moore, Incorporated.

utterance: Yes ma'am.

utterance: Thank you so much. And are you the sole owner of this business?

utterance: Yes ma'am, I sure am.

utterance: Thank you. And what date was your business established?

utterance: It was established on August the twentieth, two thousand twelve.

utterance: Thank you so much, ma'am. And what are your gross annual sales?

utterance: They are one point eight million.

utterance: Thank you ma'am. And may I have your tax identification number please?

utterance: Sure my tax ID is three seven five, three eight six, one four two.

utterance: Thank you ma'am. I have three seven five, three eight six, one four two?

utterance: Yes ma'am.

utterance: Thank you. And may I have your business address, please?

utterance: Sure. the business is at nineteen nineteen Fifty-ninth street, Los Angeles, California, nine zero zero one nine.

utterance: Thank you ma'am. That is one nine one nine, Fifty-ninth street, Los Angeles, California, nine zero zero one nine?

utterance: Yes ma'am.

utterance: Thank you so much. And I do need a mailing address for you. That can be either your home address or your business address.

utterance: I would prefer to get that at my business address, please.

utterance: All right, that's not a problem whatsoever. And again, that is nineteen nineteen Fifty-ninth Street, Los Angeles, California, nine zero zero one nine?

utterance: Yes ma'am.

utterance: Thank you ma'am. And how much are you looking for the credit limit to be?

utterance: probably five hundred thousand.

utterance: All right. And you said that the purpose for this loan or this credit limit would be for equipment purchases?

utterance: That is correct.

utterance: All right. Well, thank you so much, Ms. Pry. That does it all for the application. Now we do need you to put a send in just important business documentation, and we will get that to you with the result of your application just as soon as possible.

utterance: OK, that sounds great. Well, thank you so much.

utterance: And thank you for calling Intellibank. You have a wonderful day.


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

utterance: Yes, I wanna apply for an SBA seven A loan please.

utterance: Sure I'll be happy to help you with that and do you have an account with us?

utterance: I have one, yes.

utterance: OK and if I can ask ma'am, what is your first and last name?

utterance: Evelyn Richards.

utterance: And Ms. Richards, what's the name of the business that has an account with us?

utterance: Jones Bed and Bath.

utterance: Terrific, we certainly appreciate your business.

utterance: Thank you for that.

utterance: You're welcome, you're welcome. How's the day going?

utterance: My day is going pretty good I tell you it's chilling off pretty good and I have to make sure I keep a sweater with me because if I get chilled I catch a little cold and I don't have time to be sick.

utterance: No one does, I think we all agree with you on that Ms. Richards.

utterance: I hear you.

utterance: yes you are right it's the changing of the seasons and so it is getting a little bit chillier outside but I think some folks are ready for the change.

utterance: Well good cuz sometime I see people and they act like it's spring or summer or something. You know, they don't have you know, then I guess it don't bother them but I definitely have to have mine.

utterance: I I hear you there, Ms. Richards. And Ms. Richards, if I could ask a few questions here just to verify your account. what is your date of birth?

utterance: Eleven eleven nineteen eighty-four.

utterance: And and what is your account number?

utterance: All right, can you hold on while I get that?

utterance: Sure.

utterance: All right, it's nine eighty-four sixty-five ninety-one.

utterance: OK and if I can ask what is your PIN number?

utterance: One zero one seven.

utterance: All right, and Ms. Richards I was able to verify your account. I see you have a Business Preferred checking account with us.

utterance: Yes, I do.

utterance: Thank you for your business. And you wanted to go ahead and apply for the seven A loan today?

utterance: I sure would.

utterance: All right, I I'm just going to ask a few questions in order to begin that application process and then get this over to our SBA department.

utterance: OK, that'll be fine.

utterance: Ms. Richards, what is your personal address for your account?

utterance: One forty-one Oakwood Avenue Avondale Estates Georgia, three zero zero zero two.

utterance: And Ms. Richards, what is the business address for your account?

utterance: One zero seven five Layman's Court and that's in Smyrna Georgia. Three zero zero zero two.

utterance: And what is the mailing address?

utterance: It's the same. ten seventy-five Layman's Court, Smyrna Georgia, three zero zero zero two.

utterance: All right and Ms. Richards, when did you start the business?

utterance: March the first of nineteen seventy-nine.

utterance: Well congratulations on that.

utterance: Thank you, yeah that's quite a. Wow.

utterance: Yes indeed, yes ma'am. And Ms. Richards, what is your business email address?

utterance: It's E dot Richards at J B B dot com.

utterance: And what's your personal email?

utterance: The personal one is E dot Richards at Mail dot net.

utterance: OK and what's your social security number?

utterance: Two three five zero six eighty-two sixty-eight.

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

utterance: Zero nine seven five nine eight two two.

utterance: And what state is your driver's license in?

utterance: Georgia.

utterance: And what is your tax ID number?

utterance: Tax ID is seven thirty-one six ninety-five. Eight twenty-two.

utterance: And what is. Or rather, are you the sole owner of your business?

utterance: I'm the sole owner.

utterance: And what is the gross annual sales for your business?

utterance: Eighteen million.

utterance: And what is the amount that you were looking to borrow?

utterance: Two point five million.

utterance: OK, two point five million is the loan amount that you're looking for.

utterance: Yes.

utterance: And what is the term of the loan that you're looking for?

utterance: I'm looking for a ten-year term.

utterance: OK and what's the purpose of the loan, Ms. Richards?

utterance: I want to purchase some equipment you know for the business.

utterance: OK so for equipment.

utterance: Yes.

utterance: And Ms. Richards what is the routing number for your business that you are of course looking to have deposit the funds?

utterance: that's three two eight one seventy-four two seventy-eight.

utterance: And what's the account number?

utterance: Six one zero four nine one.

utterance: And what's the amount that you're looking to put down?

utterance: We'll put ten percent down.

utterance: All right. Terrific, terrific. And let's see here Ms. Richards. Let me just review everything to see if we have all we need for your application.

utterance: OK, if you would.

utterance: And from what I'm seeing Ms. Richards, it looks like we do have everything we need. And what I'll do is go ahead and get this sent over to our business loan department, and they will of course then review your application and get in contact with you in about two to three business days. to let you know what the next steps are.

utterance: OK, I like that. I like that two to three business days that's definitely sounds good to me.

utterance: Well we do try to of course quickly get back to our valuable customers such as yourself Ms. Richards. And is there anything else I can assist you with?

utterance: No you have been very helpful, I appreciate it.

utterance: Well we certainly do appreciate you giving us a call here today, and of course we'll be in contact with you soon.

utterance: OK, thank you.

utterance: Thank you.

utterance: Bye bye.

utterance: Bye bye.