Just-in-time Solutions Ltd., Bank Link Solutions for Securities& Bank connection Training Materials

Content Overview for the business at Bank Examples BLS Instructions and screens Summary Discussion

Overview of Business process Bank & Securities Connection Customer & Accounts Managements Cash Management Customer Managements Accounts Managements Cash-in for trading Cash-out from trading BCEL Core banking Bank-Linked Solutions

Customer &Account Management Open new customer ID (Smartbank) Start New customer Have DD Account? Open new DD Account Cash Deposit No Yes End 1.All customer & Account Management are performed in core banking Smartbank 2.Customer can use the account number provided by BCEL to fill in the form of BCKT Securities Company

Cash Management: Cash-in Cash-in to customer DD Account in BCEL Start Deposit for Trading account in LSX using Deposit Notification in BLS using Cash Deposit function in Smartbank End 1.Teller can do the Balance Inquiry at Bank/ Securities using the Bank-Link clients before and after Cash-in 2.Transaction history are available Posting in Smartbank Dr: BCEL Customer Account Cr: Securities Fund Holding Acct Posting in LSX Ledger System Dr: Securities Acct Cr: LSX Customer Account Posting in Smartbank Dr: CASH Cr: BCEL Customer Account

Cash Management: Cash-out Withdraw request from LSX account Start Cash Withdraw from Customer account in BCEL using Withdraw Request in BLS using Cash Withdraw function in Smartbank End 1.Teller can do the Balance Inquiry at Bank/ Securities using the Bank-Link clients before and after Cash-out 2.Transaction history are available Posting in LSX Ledger System Dr: LSX Customer Account Cr: Securities Acct Posting in Smartbank Dr: Securities Fund Holding Acct Cr: BCEL Customer Account Posting in Smartbank Dr: BCEL Customer Account Cr: CASH

Example Customer A Customer A  Account at BCEL , current balance: 20,000,000 LAK  Trading account at BCKT Securities: , cash balance: 0 LAK BCKT Securities BCKT Securities  Investor Holding Fund Account at BCEL: , current balance:100,000,000 LAK  Current Account at BCEL: , current balance:500,000,000 LAK  Fund account at LSX Ledger system : : current balance is: -100,000,000 LAK  Deposit account with BCEL at LSX Ledger system: , current balance is -500,000,000 LAK BCEL BCEL  Settlement account for LSX at BOL: current balance is 0

Example Customer A Customer A  Use 12,000,000 LAK to buy 2000 BCEL stock BCKT Securities BCKT Securities  Sell Amount: 1,000,000,000 LAK  Buy amount: 890,000,000 LAK  Tax/Fee for LSX: 10,000,000 LAK  Net amount: 100,000,000 LAK BCEL BCEL  Settlement account for LSX at BOL : current balance is 0  BOL Settlement for Trading at Smartbank : current balance is 0

Cash-in to customer DD Account in BCEL Amt: 2,000,000 LAK Start Deposit for Trading account in LSX 12,000,000 LAK using Deposit Notification in BLS using Cash Deposit function in Smartbank End Posting in Smartbank Dr: Cr: Amt: 12,000,000 LAK  Balance: : 10,000,000 LAK :112,000,000 LAK Posting in LSX Ledger System Dr: Cr: Amt: 12,000,000 LAK  Balance : -112,000,000 LAK : 12,000,000 LAK Posting in Smartbank Dr: 1011 Cr: Amt: 2,000,000 LAK --> Customer account balance: 22,000,000 LAK 1.CASH account: Securities Fund Holding Acct Customer account Amount : 12,000,000 LAK After buy 2000 BCEL stock, price 5,000 LAK  Balance: is 2,000,000 LAK Example: trading day T: Cash-in

Example: Cash-out Withdraw request from LSX account Start Cash Withdraw from Customer account in BCEL using Withdraw Request in BLS using Cash Withdraw function in Smartbank End 1.Teller can do the Balance Inquiry at Bank/ Securities using the Bank-Link clients before and after Cash-out 2.Transaction history are available Posting in LSX Ledger System Dr: LSX Customer Account Cr: Securities Acct Posting in Smartbank Dr: Cr: Amt: 1,000,000 LAK Posting in Smartbank Dr: Cr: 1011 Amt: 1,000,000 LAK 1.CASH account: Securities Fund Holding Acct Customer account Amount : 1,000,000 LAK

BOL to transfer 100,000,000 net from LSX account to BCEL account at BOL Start BCEL to transfer the net amount to BCKT Securities Account Using BOL settlement system End Posting in Smartbank Dr: Cr: Amt: 100,000,000 LAK  Balance: : 600,000,000 LAK Posting in BOL Dr: LSX account Cr: Amt: 100,000,000  BCEL account : 100,000,000 LAK Posting in BCEL Dr. Cash-in-transit BOL Cr: Settlement account Amt: 100,000,000 LAK BCKT Securities Sale Amount: 1,000,000,000 LAK Buy amount: 890,000,000 LAK Tax/Fee for LSX: 10,000,000 LAK Net amount: 100,000,000 LAK Example: trading day T: Settlement with BOL BCKT Securities to transfer to Holding fund account for pay to customer Posting in Smartbank Dr: Cr: Amt: 100,000,000 LAK  Balance: : 212,000,000 LAK

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