1. Pay Bills 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 Merchant Code 1.It is displayed at the merchant location, and also listed in the banks websitewebsite Using Mobile Money

3. Sending Instructions 1.Type PAY to indicate your intention to pay bills, at a shop or a restaurant 2.Type your unique PIN after a space. Eg your PIN is PiN21 3.Type the Merchant code that is displayed at the merchant outlet 4.Type the Bill Amount you need to pay. Eg. Rs. 5,000 5.Send to 2002 Pay || | | PiN21bhumi 5000

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 Customer Transaction Confirmation Sent to Merchant Mr. Kharel, Rs. 5000 paid successfully from 00012340005678 for BHUMI. Receipt # 25676 Balance now: 10023.67 Security: Delete SMS of 2002 - Laxmi Bank Bhumi, Rs. 5000 paid successfully by 9841400896. Receipt # 25676 Balance now: 94080.19 - Laxmi Bank

5. What you need to check Check the amount Your Receipt Number is how you track the transaction for future reference Delete your original SMS with the PIN, from outbox Mr. Kharel, Rs. 5000 paid successfully from 00012340005678 for BHUMI. Receipt # 25676 Balance now: 10023.67 Security: Delete SMS of 2002 - Laxmi Bank Mr. Kharel, Rs. 5000 paid successfully from 00012340005678 for BHUMI. Receipt # 25676 Balance now: 10023.67 Security: Delete SMS of 2002 - Laxmi Bank Mr. Kharel, Rs. 5000 paid successfully from 00012340005678 for BHUMI. Receipt # 25676 Balance now: 10023.67 Security: Delete SMS of 2002 - Laxmi Bank Mr. Kharel, Rs. 5000 paid successfully from 00012340005678 for BHUMI. Receipt # 25676 Balance now: 10023.67 Security: Delete SMS of 2002 - Laxmi Bank

6. Transaction Successful! Thank You