1. CASH-out using Mobile Money A step by step guide to the process

2. Pre-requisites: 1.Signed up to the service 2.Sufficient balance in your bank account 3.Aware of your PIN. 1.It is of 5 characters in length and can be combinations of alphabets and numbers 2.PIN is case sensitive 4.Aware of the Human ATM code and location 1.You need to be present in the Agent Location, if you want to receive cash. 2.The agent’s Code (or Human ATM code) is displayed in the agent location Using Mobile Money

3. Sending Instructions 1.Type “CASH” to indicate your intention to cash-out from an agent location 2.Type your unique PIN after a space. Eg your PIN is PiN21 3.Type the AGENT code that is displayed at the agent outlet 4.Type the Amount you need to withdraw from your account. Eg. Rs. 5,000 5.Send to 2002 Cash || | | PiN21 avr657705000

4. How the Back end Process Works… Customer Sends SMS to 2002 SMS transmitted through Telecom SMS Processed and Executed by the Bank Transaction Confirmation Sent to Sender Transaction Confirmation Sent to the Agent Mr Ghimire, CASH of Rs.5000 successfully transferred from AC 00013010001855, please collect from AVR65770. Receipt #.79402 Balance now:- 9652.24 -Laxmi Bank AVR65770 Please Pay Rs.5000 to 9851101896. Receipt #.79402 Balance now:- 643453.01 -Laxmi Bank

5. What you need to check Check the amount Confirm that you have typed in the Agent Code correctly Agent will compare your receipt number with the confirmation sent on his/her mobile Delete your original SMS with the PIN, from outbox Mr Ghimire, CASH of Rs.5000 successfully transferred from AC 00013010001855, please collect from AVR65770. Receipt #.79402 Balance now:- 9652.24 -Laxmi Bank Mr Ghimire, CASH of Rs.5000 successfully transferred from AC 00013010001855, please collect from AVR65770. Receipt #.79402 Balance now:- 9652.24 -Laxmi Bank Mr Ghimire, CASH of Rs.5000 successfully transferred from AC 00013010001855, please collect from AVR65770. Receipt #.79402 Balance now:- 9652.24 -Laxmi Bank Mr Ghimire, CASH of Rs.5000 successfully transferred from AC 00013010001855, please collect from AVR65770. Receipt #.79402 Balance now:- 9652.24 -Laxmi Bank

6. Transaction Successful! Thank You