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And if they did happen to accidentally put both signatures on there, that wouldn't be a problem, would it? Amazing, Shri. That is all the info I needed. Thank you so much. No. You just have a lovely weekend. Thank you. 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Good morning, Shree. It's Tommy here from Oakview Financial, mate. I just had a bit of a quick inquiry about daily payment limits for Macquarie Cash Management accounts. I'm just trying to make sure I'm interpreting the website correctly.\n\nAnd what I'm sort of thinking is for large transactions above, say, 1 to $200,000 in, like, a BPAY, EFT, pay anyone type of transaction, How does Macquarie handle the larger transactions of, say, four, five hundred thousand? Does it require a form? Or because I I saw there was something about advisers can approve larger transactions. Just I mean, just go on daily limits, please. Yep.\n\nPerfect. So adviser limit is 500 k. Their limit is a 100 k, and then you've got BPAY. There's no limit. And so for anything, any big electronic funds transfers, it would be a withdrawal form.\n\nPerfect. And last question on the withdrawal form itself. I think I have some clients that are set up with single signatories for joint accounts. Does the withdrawal form of that amount always require both, or is it still okay to have the single signatory? Sorry.\n\nTongue twister. Perfect. And if they did happen to accidentally put both signatures on there, that wouldn't be a problem, would it? Amazing, Shri. That is all the info I needed.\n\nThank you so much. No. You just have a lovely weekend. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"No.","start":91.78001,"end":91.965,"sentiment":"neutral","sentiment_score":-0.07040920853614807},{"text":"Good morning, Shree.","start":766.87,"end":767.75,"sentiment":"neutral","sentiment_score":0.20063184201717377},{"text":"It's Tommy here from Oakview Financial, mate.","start":767.75,"end":770.17,"sentiment":"neutral","sentiment_score":0.17099523970058986},{"text":"I just had a bit of a quick inquiry about daily payment limits for Macquarie Cash Management accounts.","start":770.63,"end":778.47504,"sentiment":"neutral","sentiment_score":-0.019674674711293645},{"text":"I'm just trying to make sure I'm interpreting the website correctly.","start":780.215,"end":782.955,"sentiment":"neutral","sentiment_score":-0.001996089958331802}],"sentiment":"neutral","sentiment_score":0.03380879652686417,"num_words":40,"start":91.78001,"end":782.955},{"sentences":[{"text":"And what I'm sort of thinking is for large transactions above, say, 1 to $200,000 in, like, a BPAY, EFT, pay anyone type of transaction, How does Macquarie handle the larger transactions of, say, four, five hundred thousand?","start":784.055,"end":804.675,"sentiment":"neutral","sentiment_score":0.002828356209456136},{"text":"Does it require a form?","start":805.295,"end":806.755,"sentiment":"neutral","sentiment_score":-0.013655006885528564},{"text":"Or because I I saw there was something about advisers can approve larger transactions.","start":807.455,"end":812.03503,"sentiment":"neutral","sentiment_score":0.0009960608689912728},{"text":"Just I mean, just go on daily limits, please.","start":812.98004,"end":815.24,"sentiment":"neutral","sentiment_score":-0.0019810178006688752},{"text":"Yep.","start":824.02,"end":824.52,"sentiment":"neutral","sentiment_score":0.02072015218436718}],"sentiment":"neutral","sentiment_score":0.0008363932190435146,"num_words":67,"start":784.055,"end":824.52},{"sentences":[{"text":"Perfect.","start":840.995,"end":841.495,"sentiment":"neutral","sentiment_score":0.1510508954524994},{"text":"So adviser limit is 500 k.","start":841.555,"end":844.22003,"sentiment":"neutral","sentiment_score":0.07915924737850825},{"text":"Their limit is a 100 k, and then you've got BPAY.","start":844.22003,"end":847.18,"sentiment":"neutral","sentiment_score":0.05205923860723322},{"text":"There's no limit.","start":847.18,"end":848.08,"sentiment":"neutral","sentiment_score":0.04231452693541845},{"text":"And so for anything, any big electronic funds transfers, it would be a withdrawal form.","start":848.54004,"end":854.08,"sentiment":"neutral","sentiment_score":0.014731925974289576}],"sentiment":"neutral","sentiment_score":0.04296056874510315,"num_words":36,"start":840.995,"end":854.08},{"sentences":[{"text":"Perfect.","start":856.22003,"end":856.72003,"sentiment":"neutral","sentiment_score":0.21406802535057068},{"text":"And last question on the withdrawal form itself.","start":859.555,"end":864.455,"sentiment":"neutral","sentiment_score":0.027269190060906112},{"text":"I think I have some clients that are set up with single signatories for joint accounts.","start":865.315,"end":870.535,"sentiment":"neutral","sentiment_score":0.010841472423635423},{"text":"Does the withdrawal form of that amount always require both, or is it still okay to have the single signatory?","start":870.85,"end":877.11,"sentiment":"neutral","sentiment_score":0.00035800135228782894},{"text":"Sorry.","start":884.245,"end":884.745,"sentiment":"neutral","sentiment_score":-0.004991983063519001}],"sentiment":"neutral","sentiment_score":0.013214198882570085,"num_words":46,"start":856.22003,"end":884.745},{"sentences":[{"text":"Tongue twister.","start":884.805,"end":885.705,"sentiment":"neutral","sentiment_score":-0.007913820794783531},{"text":"Perfect.","start":888.725,"end":889.205,"sentiment":"neutral","sentiment_score":0.23417243361473083},{"text":"And if they did happen to accidentally put both signatures on there, that wouldn't be a problem, would it?","start":889.205,"end":893.545,"sentiment":"neutral","sentiment_score":0.11669176150309413},{"text":"Amazing, Shri.","start":896.27997,"end":897.0,"sentiment":"positive","sentiment_score":0.6075583696365356},{"text":"That is all the info I 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If you need help, reach out to us via chat in mobile or online banking. This is the fastest and most secure way to connect with us. If you are unable to use chat, please hold. If you are having trouble logging into online, mobile banking, or our authenticator app, please press 1. Press 2 for suspected fraud or scams. For home loans, including your offset account, press 3. For transaction and savings accounts, cash management accounts, term deposits, or credit cards, please press 4. For car loans, please press 5. For wrap accounts, please press 6. To hear these options again, for assistance with most inquiries, the fastest and most secure way to get help is via our chat team in mobile or online banking, available seven days a week. Our phone team can only assist with a limited number of inquiries. If you are unable to use chat, please hold, and one of our consultants will be with you shortly. For everyday transaction accounts and debit cards, please press 1. For credit cards, please press 2. For term deposits, please press 3. For cash management and accelerator account Your call may be monitored and recorded for quality assurance and voice verification purposes. All personal information is handled in accordance with our privacy policy, a copy of which is available at macquarie.com.au. You can find answers to your common questions in our help center, including daily payment limits, how to retrieve your Macquarie ID, and how to replace your cards. Try out help center at macquarie.com.au/help. It's often the fastest way to get the answer you need without having to wait. Our chat team are able to help you with the broadest range of product features and service inquiries. When you chat with us, a transcript of the conversation is available for you to read at any time in the future through mobile and online banking. If your inquiry is one that can't be handled via chat, please hold, and a consultant will be with you. Thank you for your patience. You're speaking with Sheree. How can I help you today? Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. So so if client is transferring the money, like, say, individually without any adviser, they have a limit of 100 k. So anything above 100 k needs to be done through a withdrawal form. If they are doing with a BPAY, there is no limit. They can transfer the money with the BPAY. If adviser is making transfer though them, so the adviser limit is 500 k. Mhmm. Mhmm. Yep. Yes. That's correct. Mhmm. Mhmm. Mhmm. So if they had account has a so sorry. Single signatory, they can fill out the form as a single. Yes. They don't require both the signatures. Yeah. No. That won't be any problem. No problem. Is there anything else I can help you? You too. 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to Macquarie. If you need help, reach out to us via chat in mobile or online banking. This is the fastest and most secure way to connect with us. If you are unable to use chat, please hold. If you are having trouble logging into online, mobile banking, or our authenticator app, please press 1.\n\nPress 2 for suspected fraud or scams. For home loans, including your offset account, press 3. For transaction and savings accounts, cash management accounts, term deposits, or credit cards, please press 4. For car loans, please press 5. For wrap accounts, please press 6.\n\nTo hear these options again, for assistance with most inquiries, the fastest and most secure way to get help is via our chat team in mobile or online banking, available seven days a week. Our phone team can only assist with a limited number of inquiries. If you are unable to use chat, please hold, and one of our consultants will be with you shortly. For everyday transaction accounts and debit cards, please press 1. For credit cards, please press 2.\n\nFor term deposits, please press 3. For cash management and accelerator account Your call may be monitored and recorded for quality assurance and voice verification purposes. All personal information is handled in accordance with our privacy policy, a copy of which is available at macquarie.com.au. You can find answers to your common questions in our help center, including daily payment limits, how to retrieve your Macquarie ID, and how to replace your cards. Try out help center at macquarie.com.au/help.\n\nIt's often the fastest way to get the answer you need without having to wait. Our chat team are able to help you with the broadest range of product features and service inquiries. When you chat with us, a transcript of the conversation is available for you to read at any time in the future through mobile and online banking. If your inquiry is one that can't be handled via chat, please hold, and a consultant will be with you. Thank you for your patience.\n\nYou're speaking with Sheree. How can I help you today? Mhmm. Mhmm. Mhmm.\n\nMhmm. Mhmm. So so if client is transferring the money, like, say, individually without any adviser, they have a limit of 100 k. So anything above 100 k needs to be done through a withdrawal form. If they are doing with a BPAY, there is no limit.\n\nThey can transfer the money with the BPAY. If adviser is making transfer though them, so the adviser limit is 500 k. Mhmm. Mhmm. Yep.\n\nYes. That's correct. Mhmm. Mhmm. Mhmm.\n\nSo if they had account has a so sorry. Single signatory, they can fill out the form as a single. Yes. They don't require both the signatures. Yeah.\n\nNo. That won't be any problem. No problem. Is there anything else I can help you? You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Welcome to Macquarie.","start":0.96,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.2914024392763774},{"text":"If you need help, reach out to us via chat in mobile or online banking.","start":3.28,"end":8.02,"sentiment":"neutral","sentiment_score":0.260855159163475},{"text":"This is the fastest and most secure way to connect with us.","start":8.8,"end":12.015,"sentiment":"positive","sentiment_score":0.4739224563042323},{"text":"If you are unable to use chat, please hold.","start":12.975,"end":15.875,"sentiment":"neutral","sentiment_score":-0.26861772934595746},{"text":"If you are having trouble logging into online, mobile banking, or our authenticator app, please press 1.","start":16.575,"end":23.154999,"sentiment":"neutral","sentiment_score":-0.1574072390794754}],"sentiment":"neutral","sentiment_score":0.09608252772263118,"num_words":56,"start":0.96,"end":23.154999},{"sentences":[{"text":"Press 2 for suspected fraud or 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signatures.","start":886.395,"end":888.255,"sentiment":"neutral","sentiment_score":0.02530814629668991},{"text":"Yeah.","start":893.675,"end":893.995,"sentiment":"neutral","sentiment_score":0.07332364469766617}],"sentiment":"neutral","sentiment_score":0.010728438328702137,"num_words":28,"start":878.07996,"end":893.995},{"sentences":[{"text":"No.","start":893.995,"end":894.155,"sentiment":"neutral","sentiment_score":0.13362693786621094},{"text":"That won't be any problem.","start":894.155,"end":895.375,"sentiment":"neutral","sentiment_score":0.16964636147022247},{"text":"No problem.","start":900.22,"end":900.94,"sentiment":"positive","sentiment_score":0.39749644696712494},{"text":"Is there anything else I can help you?","start":900.94,"end":902.64,"sentiment":"neutral","sentiment_score":0.25407896749675274},{"text":"You too.","start":904.86,"end":905.52,"sentiment":"positive","sentiment_score":0.34397853910923004}],"sentiment":"neutral","sentiment_score":0.24985780318578085,"num_words":18,"start":893.995,"end":905.52},{"sentences":[{"text":"Bye.","start":906.22,"end":906.72,"sentiment":"neutral","sentiment_score":0.30448585748672485}],"sentiment":"neutral","sentiment_score":0.30448585748672485,"num_words":1,"start":906.22,"end":906.72}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Welcome to Macquarie. If you need help, reach out to us via chat in mobile or online banking. This is the fastest and most secure way to connect with us. If you are unable to use chat, please hold. If you are having trouble logging into online, mobile banking, or our authenticator app, please press 1.\n\nPress 2 for suspected fraud or scams. For home loans, including your offset account, press 3. For transaction and savings accounts, cash management accounts, term deposits, or credit cards, please press 4. For car loans, please press 5. For wrap accounts, please press 6.\n\nTo hear these options again, for assistance with most inquiries, the fastest and most secure way to get help is via our chat team in mobile or online banking, available seven days a week. Our phone team can only assist with a limited number of inquiries. If you are unable to use chat, please hold, and one of our consultants will be with you shortly. For everyday transaction accounts and debit cards, please press 1. For credit cards, please press 2.\n\nFor term deposits, please press 3. For cash management and accelerator account Your call may be monitored and recorded for quality assurance and voice verification purposes. All personal information is handled in accordance\n\nChannel 0: No.\n\nChannel 1: with our privacy policy, a copy of which is available at macquarie.com.au. You can find answers to your common questions in our help center, including daily payment limits, how to retrieve your Macquarie ID, and how to replace your cards. Try out help center at macquarie.com.au/help. It's often the fastest way to get the answer you need without having to wait. Our chat team are able to help you with the broadest range of product features and service inquiries.\n\nWhen you chat with us, a transcript of the conversation is available for you to read at any time in the future through mobile and online banking. If your inquiry is one that can't be handled via chat, please hold, and a consultant will be with you. Thank you for your patience. You're speaking with Sheree. How can I help you today?\n\nChannel 0: Good morning, Shree. It's Tommy here from Oakview Financial, mate. I just had a bit of a quick inquiry about daily payment limits for\n\nChannel 1: Mhmm.\n\nChannel 0: Macquarie Cash Management accounts.\n\nChannel 1: Mhmm.\n\nChannel 0: I'm just trying to make sure I'm interpreting the website correctly. And what I'm sort of thinking is for large transactions above, say, 1 to $200,000\n\nChannel 1: Mhmm.\n\nChannel 0: in, like, a BPAY, EFT, pay anyone type of transaction, How does Macquarie handle the larger transactions of, say, four, five hundred thousand? Does it require a form? Or because I I saw there was something about advisers can approve larger transactions. Just I mean, just go on daily limits, please.\n\nChannel 1: Mhmm. Mhmm. So so if client is transferring the money, like, say, individually without any adviser, they have a limit of 100 k. So\n\nChannel 0: Yep.\n\nChannel 1: anything above 100 k needs to be done through a withdrawal form. If they are doing with a BPAY, there is no limit. They can transfer the money with the BPAY. If adviser is making transfer though them, so the adviser limit is 500 k.\n\nChannel 0: Perfect. So adviser limit is 500 k. Their limit\n\nChannel 1: Mhmm.\n\nChannel 0: is a 100 k, and then you've got BPAY. There's no limit.\n\nChannel 1: Mhmm.\n\nChannel 0: And so\n\nChannel 1: Yep.\n\nChannel 0: for anything, any big electronic funds transfers, it would be a withdrawal form.\n\nChannel 1: Yes.\n\nChannel 0: Perfect.\n\nChannel 1: That's correct.\n\nChannel 0: And last question on the withdrawal\n\nChannel 1: Mhmm.\n\nChannel 0: form itself. I think I have some clients that are set up with single signatories for joint accounts. Does the withdrawal form of that amount always require both, or is it still okay to have the single signatory?\n\nChannel 1: Mhmm. Mhmm. So if they had account has a so sorry. Single signatory, they can fill\n\nChannel 0: Sorry.\n\nChannel 1: out the form\n\nChannel 0: Tongue\n\nChannel 1: as a\n\nChannel 0: twister.\n\nChannel 1: single. Yes. They don't require both the signatures.\n\nChannel 0: Perfect. And if they did happen to accidentally put both signatures on there, that wouldn't be a problem, would it?\n\nChannel 1: Yeah. No. That won't be any problem.\n\nChannel 0: Amazing, Shri. That is all the info I needed. Thank you so much.\n\nChannel 1: No problem. Is there anything else I can help you?\n\nChannel 0: No. You just have a lovely weekend.\n\nChannel 1: You too. Bye.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Welcome to Macquarie.","start":0.96,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.2914024392763774},{"text":"If you need help, reach out to us via chat in mobile or online banking.","start":3.28,"end":8.02,"sentiment":"neutral","sentiment_score":0.260855159163475},{"text":"This is the fastest and most secure way to connect with us.","start":8.8,"end":12.015,"sentiment":"positive","sentiment_score":0.4739224563042323},{"text":"If you are unable to use chat, please hold.","start":12.975,"end":15.875,"sentiment":"neutral","sentiment_score":-0.26861772934595746},{"text":"If you are having trouble logging into online, mobile banking, or our authenticator app, please press 1.","start":16.575,"end":23.154999,"sentiment":"neutral","sentiment_score":-0.1574072390794754}],"sentiment":"neutral","sentiment_score":0.09608252772263118,"channel":1,"num_words":56,"start":0.96,"end":23.154999},{"sentences":[{"text":"Press 2 for suspected fraud or 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trying to make sure I'm interpreting the website correctly.","start":780.215,"end":782.955,"sentiment":"neutral","sentiment_score":-0.001996089958331802},{"text":"And what I'm sort of thinking is for large transactions above, say, 1 to $200,000","start":784.055,"end":791.48,"sentiment":"neutral","sentiment_score":0.0027278365567326547}],"sentiment":"neutral","sentiment_score":0.0007292522618976923,"channel":0,"num_words":26,"start":780.215,"end":791.48},{"sentences":[{"text":"Mhmm.","start":792.175,"end":792.57,"sentiment":"neutral","sentiment_score":0.006450701970607042}],"sentiment":"neutral","sentiment_score":0.006450701970607042,"channel":1,"num_words":1,"start":792.175,"end":792.57},{"sentences":[{"text":"in, like, a BPAY, EFT, pay anyone type of transaction, How does Macquarie handle the larger transactions of, say, four, five hundred thousand?","start":792.18,"end":804.675,"sentiment":"neutral","sentiment_score":0.002893912504710581},{"text":"Does it require a 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k.","start":816.195,"end":823.72,"sentiment":"neutral","sentiment_score":0.008524354236821333},{"text":"So","start":823.86,"end":824.18,"sentiment":"neutral","sentiment_score":0.02188533172011375}],"sentiment":"neutral","sentiment_score":0.009574878184745709,"channel":1,"num_words":24,"start":815.54504,"end":824.18},{"sentences":[{"text":"Yep.","start":824.02,"end":824.52,"sentiment":"neutral","sentiment_score":0.02072015218436718}],"sentiment":"neutral","sentiment_score":0.02072015218436718,"channel":0,"num_words":1,"start":824.02,"end":824.52},{"sentences":[{"text":"anything above 100 k needs to be done through a withdrawal form.","start":824.18,"end":827.56,"sentiment":"neutral","sentiment_score":0.005606383162861069},{"text":"If they are doing with a BPAY, there is no limit.","start":828.42,"end":831.315,"sentiment":"neutral","sentiment_score":0.015686338936740703},{"text":"They can transfer the money with the 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transfers, it would be a withdrawal form.","start":848.94,"end":854.08,"sentiment":"neutral","sentiment_score":0.013089370412322191}],"sentiment":"neutral","sentiment_score":0.013089370412322191,"channel":0,"num_words":13,"start":848.94,"end":854.08},{"sentences":[{"text":"Yes.","start":854.85,"end":855.345,"sentiment":"neutral","sentiment_score":0.09676142781972884}],"sentiment":"neutral","sentiment_score":0.09676142781972884,"channel":1,"num_words":1,"start":854.85,"end":855.345},{"sentences":[{"text":"Perfect.","start":856.22003,"end":856.72003,"sentiment":"neutral","sentiment_score":0.21406802535057068}],"sentiment":"neutral","sentiment_score":0.21406802535057068,"channel":0,"num_words":1,"start":856.22003,"end":856.72003},{"sentences":[{"text":"That's 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a","start":885.035,"end":885.275,"sentiment":"neutral","sentiment_score":-0.001169797033071518}],"sentiment":"neutral","sentiment_score":-0.001169797033071518,"channel":1,"num_words":2,"start":885.035,"end":885.275},{"sentences":[{"text":"twister.","start":885.205,"end":885.705,"sentiment":"neutral","sentiment_score":-0.00187608296982944}],"sentiment":"neutral","sentiment_score":-0.00187608296982944,"channel":0,"num_words":1,"start":885.205,"end":885.705},{"sentences":[{"text":"single.","start":885.275,"end":885.755,"sentiment":"neutral","sentiment_score":0.011062821373343468},{"text":"Yes.","start":885.755,"end":886.255,"sentiment":"neutral","sentiment_score":0.05703182518482208},{"text":"They don't require both the signatures.","start":886.395,"end":888.255,"sentiment":"neutral","sentiment_score":0.02530814629668991}],"sentiment":"neutral","sentiment_score":0.027492940542288125,"channel":1,"num_words":8,"start":885.275,"end":888.255},{"sentences":[{"text":"Perfect.","start":888.725,"end":889.205,"sentiment":"neutral","sentiment_score":0.23417243361473083},{"text":"And if they did happen to accidentally put both signatures on there, that wouldn't be a problem, would it?","start":889.205,"end":893.545,"sentiment":"neutral","sentiment_score":0.11669176150309413}],"sentiment":"neutral","sentiment_score":0.12256579510867596,"channel":0,"num_words":20,"start":888.725,"end":893.545},{"sentences":[{"text":"Yeah.","start":893.675,"end":893.995,"sentiment":"neutral","sentiment_score":0.07332364469766617},{"text":"No.","start":893.995,"end":894.155,"sentiment":"neutral","sentiment_score":0.13362693786621094},{"text":"That won't be any problem.","start":894.155,"end":895.375,"sentiment":"neutral","sentiment_score":0.16964636147022247}],"sentiment":"neutral","sentiment_score":0.15074034141642706,"channel":1,"num_words":7,"start":893.675,"end":895.375},{"sentences":[{"text":"Amazing, Shri.","start":896.27997,"end":897.0,"sentiment":"positive","sentiment_score":0.6075583696365356},{"text":"That is all the info I needed.","start":897.0,"end":898.6,"sentiment":"positive","sentiment_score":0.556129834481648},{"text":"Thank you so much.","start":898.6,"end":899.57996,"sentiment":"positive","sentiment_score":0.668054386973381}],"sentiment":"positive","sentiment_score":0.5984802406567794,"channel":0,"num_words":13,"start":896.27997,"end":899.57996},{"sentences":[{"text":"No problem.","start":900.22,"end":900.94,"sentiment":"positive","sentiment_score":0.39749644696712494},{"text":"Is there anything else I can help you?","start":900.94,"end":902.64,"sentiment":"neutral","sentiment_score":0.25407896749675274}],"sentiment":"neutral","sentiment_score":0.28276246339082717,"channel":1,"num_words":10,"start":900.22,"end":902.64},{"sentences":[{"text":"No.","start":902.75995,"end":903.0,"sentiment":"neutral","sentiment_score":0.32195979356765747},{"text":"You just have a lovely weekend.","start":903.0,"end":904.38,"sentiment":"positive","sentiment_score":0.5194586316744486}],"sentiment":"positive","sentiment_score":0.49124451194490704,"channel":0,"num_words":7,"start":902.75995,"end":904.38},{"sentences":[{"text":"You too.","start":904.86,"end":905.52,"sentiment":"positive","sentiment_score":0.34397853910923004},{"text":"Bye.","start":906.22,"end":906.72,"sentiment":"neutral","sentiment_score":0.30448585748672485}],"sentiment":"neutral","sentiment_score":0.33081431190172833,"channel":1,"num_words":3,"start":904.86,"end":906.72},{"sentences":[{"text":"Thank you.","start":907.07996,"end":907.63995,"sentiment":"positive","sentiment_score":0.37223757803440094},{"text":"Bye.","start":907.63995,"end":908.13995,"sentiment":"neutral","sentiment_score":-0.06827064603567123}],"sentiment":"neutral","sentiment_score":0.2254015033443769,"channel":0,"num_words":3,"start":907.07996,"end":908.13995}]},"summary":{"result":"success","short":"The speaker provides options for various inquiries and explains how to use Macquarie's chat or mobile banking platforms. They also provide information on how to handle larger transactions and how to handle withdrawals for certain products. The speaker also asks about the withdrawal form for certain clients and the possibility of having multiple signatures on a single account. The call ends with the speaker offering further assistance and wishing the caller a good weekend."},"intents":{"segments":[{"text":"If you need help, reach out to us via chat in mobile or online banking.","start_word":3,"end_word":17,"intents":[{"intent":"Offer assistance via chat","confidence_score":0.004009946}]},{"text":"I'm just trying to make sure I'm interpreting the website correctly.","start_word":386,"end_word":396,"intents":[{"intent":"Interpret website correctly","confidence_score":0.23642497}]},{"text":"And what I'm sort of thinking is for large transactions above, say, 1 to $200,000 Mhmm. in, like, a BPAY, EFT, pay anyone type of transaction, How does Macquarie handle the larger transactions of, say, four, five hundred thousand? Does it require a form?","start_word":397,"end_word":440,"intents":[{"intent":"Handle larger transactions","confidence_score":0.0021279072}]}]},"sentiments":{"segments":[{"text":"Welcome to Macquarie. If you need help, reach out to us via chat in mobile or online banking.","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.2720058262348175},{"text":"This is the fastest and most secure way to connect with us.","start_word":18,"end_word":29,"sentiment":"positive","sentiment_score":0.4711684286594391},{"text":"If you are unable to use chat, please hold. If you are having trouble logging into online, mobile banking, or our authenticator app, please press 1. Press 2 for suspected fraud or scams. For home loans, including your offset account, press 3. For transaction and savings accounts, cash management accounts, term deposits, or credit cards, please press 4. For car loans, please press 5. For wrap accounts, please press 6. To hear these options again, for assistance with most inquiries, the fastest and most secure way to get help is via our chat team in mobile or online banking, available seven days a week. Our phone team can only assist with a limited number of inquiries. If you are unable to use chat, please hold, and one of our consultants will be with you shortly. For everyday transaction accounts and debit cards, please press 1. For credit cards, please press 2. For term deposits, please press 3. For cash management and accelerator account Your call may be monitored and recorded for quality assurance and voice verification purposes. All personal information is handled in accordance No. with our privacy policy, a copy of which is available at macquarie.com.au. You can find answers to your common questions in our help center, including daily payment limits, how to retrieve your Macquarie ID, and how to replace your cards. Try out help center at macquarie.com.au/help. It's often the fastest way to get the answer you need without having to wait.","start_word":30,"end_word":275,"sentiment":"neutral","sentiment_score":0.020334050059318542},{"text":"Our chat team are able to help you with the broadest range of product features and service inquiries.","start_word":276,"end_word":293,"sentiment":"positive","sentiment_score":0.3834315240383148},{"text":"When you chat with us, a transcript of the conversation is available for you to read at any time in the future through mobile and online banking. If your inquiry is one that can't be handled via chat, please hold, and a consultant will be with you. Thank you for your patience. You're speaking with Sheree.","start_word":294,"end_word":349,"sentiment":"neutral","sentiment_score":0.12571389973163605},{"text":"How can I help you today?","start_word":350,"end_word":355,"sentiment":"positive","sentiment_score":0.34410735964775085},{"text":"Good morning, Shree. It's Tommy here from Oakview Financial, mate. I just had a bit of a quick inquiry about daily payment limits for Mhmm. Macquarie Cash Management accounts. Mhmm. I'm just trying to make sure I'm interpreting the website correctly. And what I'm sort of thinking is for large transactions above, say, 1 to $200,000 Mhmm. in, like, a BPAY, EFT, pay anyone type of transaction, How does Macquarie handle the larger transactions of, say, four, five hundred thousand? Does it require a form? Or because I I saw there was something about advisers can approve larger transactions. Just I mean, just go on daily limits, please. Mhmm. Mhmm. So so if client is transferring the money, like, say, individually without any adviser, they have a limit of 100 k. So Yep. anything above 100 k needs to be done through a withdrawal form. If they are doing with a BPAY, there is no limit. They can transfer the money with the BPAY. If adviser is making transfer though them, so the adviser limit is 500 k. Perfect. So adviser limit is 500 k. Their limit Mhmm. is a 100 k, and then you've got BPAY. There's no limit. Mhmm. And so Yep. for anything, any big electronic funds transfers, it would be a withdrawal form. Yes. Perfect. That's correct. And last question on the withdrawal Mhmm. form itself. I think I have some clients that are set up with single signatories for joint accounts. Does the withdrawal form of that amount always require both, or is it still okay to have the single signatory? Mhmm. Mhmm. So if they had account has a so sorry. Single signatory, they can fill Sorry. out the form Tongue as a twister. single. Yes. They don't require both the signatures. Perfect. And if they did happen to accidentally put both signatures on there, that wouldn't be a problem, would it? Yeah. No. That won't be any problem.","start_word":356,"end_word":680,"sentiment":"neutral","sentiment_score":0.029690696551249576},{"text":"Amazing, Shri. That is all the info I needed. Thank you so much. No problem.","start_word":681,"end_word":695,"sentiment":"positive","sentiment_score":0.5644044280052185},{"text":"Is there anything else I can help you? No.","start_word":696,"end_word":704,"sentiment":"neutral","sentiment_score":0.2672104239463806},{"text":"You just have a lovely weekend. You too.","start_word":705,"end_word":712,"sentiment":"positive","sentiment_score":0.4762613177299499},{"text":"Bye.","start_word":713,"end_word":713,"sentiment":"neutral","sentiment_score":0.30448585748672485},{"text":"Thank you.","start_word":714,"end_word":715,"sentiment":"positive","sentiment_score":0.44506141543388367},{"text":"Bye.","start_word":716,"end_word":716,"sentiment":"neutral","sentiment_score":0.1042744368314743}],"average":{"sentiment":"neutral","sentiment_score":0.07597910717748702}}}}