fjk;a fiajdjka ,nd .ekSu i|yd b,a¨ïm;

1 Igyk( ish u fiajdjka i|yd ((CREDIT / DEBIT m;a ,oS .ekSu yer) wju .kqfokq m%udKh re'10"000$- ls' PIN wxlh iys; ,smsh iqrCIs;j ,nd .;s 5. e-mdiafmd; (EPB) wjYHhs wjYH ke;DEBIT ld m;ska ,oS .ekS uqo,a .ekS nexl= fiajd iy fjk;a m%j Ok ia;r CREDIT ld ,oS .ekS uqo,a yqjudre re' g by< fplam;a f. w;aik$w;aika i;Hdmkh lrk,o w;r Nd ;h i|ydjk Wmfoia ks, (Mandate) iu .e,fma'''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''YdLdf rn uq dj iy n,h,;a ks,Od w;aikfjk;a fiajdjka ,nd .ekSu i|yd b,a m;DEBIT ld wxlh^YdLdf ku&1 DCOBMBESSMSEPB2(POS i|yd uQ,sl .sKq &uqo,a j .h34 DCOBMBESSMSEPBuqo,a j .hfldu I,a nexl=f CREDIT ld wxlhXXXXXXXXX''''''''''' $''''''''''' $ 20'''''''l<uKdlre"fldu I,a nEkala T*a isf,daka mS't,a'iS' ^YdLdf ku&.)))

2 SKq wxlh(CIF wxlh(.sKq wxlh( ^wh ls fuu .sKq wxlhg yr lrkq we; auhdfKks$uy;a hks"ud$wm my; i|yka myiqlu$l , i|yd b,a lrk w;r b,a m; ilia ls u i|yd $ ia;r bos m;a lr $uq'2' uq,l=re iu ku( mQcH$uy;d$uy;a h$fuk h( 1' uq,l=re iu ku( mQcH$uy;d$uy;a h$fuk h( 3' uq,l=re iu ku( mQcH$uy;d$uy;a h$fuk h( cd'ye'w$*1 '.'n wxlh(cd'ye'w$*1 '.'n wxlh(cd'ye'w$*1 '.'n wxlh(,smskh(*2^ia r$;eme,a&Wmka oskh( rl:k wxlh ^ksji& oHq;a ,smskh(oskh $ udih $ j jdyhg fmr ku( ^y kd .ekSu i|yd& ^ ^ld hd,h&*1' y kd .ekSf f,aLkh f,i foaY .uka n,m;%h ^ '.'n a lr we;ak mosx h ms<sn| ia;r" id iy mqrjeisNdjh ms<sn|j ikd: ls u wjYHh'*2' ia r ,smskh .sKq whe mf;a ,smskhg jvd fjkia k mosx h ikd: lrk fjk;a f,aLk.; idCIs bos m;a l< hq;=h'1. DEBIT / ATM ld m; (DC) wjYHhs wjYH ke;ld m;a j .h( CIKsl - Maestro VISA ku uq s; - Maestro VISA MasterCard Platinum Acheiver Wodr Shopping ld mf;ys ku i|yka h hq;= wdldrh( ^ku uq s; ld m;a i|yd muKs ekao iys;j wl=re 24 lg iSud h hq;= w;r cd'ye'mf;ys ku yd.))))))))))))))))))

3 E<msh hq;=h&ffoksl uqo,a .ekSf iy wod< ,oS .ekSf iSudj( ld m; , YdLdj( w;aik oskhld m; iqrCIs;j,nd .;s w;aik oskhld m;a wxlh( ^YdLdf Nd ;h i|yd muKls cd, nexl= fiajd (OB) : wjYHhs wjYH ke; h re n,m;a wxlh(ksl=;a l< oskh( Wmka ia:dkh(iqr;,a if;l= ku (ryiH wxlh iys; ,smsh ;eme,a lrkak fyda YdLdjg ,nd fokakoskh $ udih $ j Ih3. fudnhs,a nexl= fiajd (MB) : wjYHhs wjYH ke;fudnhs,a nexl= fiajd fl mKsjqv (SMS) / USSD ;dCIKh yryd' ,e h hq;= rl:k wxlh (^by; i|yka rl:k wxlhg jvd fjkia k a .sKq m%ldYh (ES) : wjYHhs wjYH ke;.sKqq i|yduq s; nexl= .sKqq m%ldYhla (wjYH ke;wjYHhsCREDIT ld m;a i|yd6. fl mKsjqv oekq oS (SMS) : wjYHhs wjYH ke;uqo,a ;ekam;a re' g by<uqo,a wdmiq.)))))))))

4 EkS re' g by<.sKq i nkaO l< hq;= fiajd( DEBIT / ATM ld m; (DC) $ wka; cd, nexl= fiajd (OB) $ fudnhs,a nexl= fiajd (MB) $ oHq;a .sKq m%ldY (ES) $ e - Passbook ^EPB& $ fl mKsjqv oekq oS (SMS)uu$wms by; olajd we;s f;dr;=re i;H iy ksjeros njg iy;sl fj $fjuq' fiajdjka iemhSu yd ine miqmsfgys olajd we;s fldkafoais iy kshuhka fyd ka lshjd f;are .;a njg uu$wms ;j rg;a iy;sl fj $fjuq' tu fldkafoais iy kshuhkago" nexl=j u ska kEu wjia:djl tajdg is lrk ixfYdaOkhka" m%fNaokhka fyda fjkials j,skao ne|S is ug uu$wms tl fj $fjuq' YajdiS"b,a $ w;aik$w;aika 1' '''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''' '''' 2' '''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''' '''' 3' '''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''' ''''re'100"000$-re'100"000$- re' 0 0 0 /-re' 0 0 0 /-PIN - mqoa.)

5 ,sl y kd .ekSf wxlhSMS PIN;eme,a Wmfoia01' ATM / DEBIT ld m;a i|yd n| .dia;=j re'400$- ls' ld m;a j, jkafka jir myl ld,hlg muKs' w ;a ls f .dia;=jla whlrkq ,ef ' 02' noaO .sKqula fyda yjq,a jHdmdr .sKqula k iEu md Yjhlau w;aika l< hq;=h'03' tla tla mqoa.,hd fjk fjku b,a m;a bos m;a ls fuka noaO .sKq ys hka$yjq,alrejkag fjk fjku fiajdjka ,nd.; yelsh' 04' iud..sKqula i|yd md,l uKav, fhdackd i u;hla iy ksoyia flfrk m%ldYhla ,nd.; hq;=h'05' wka; cd, nexl= fiajd,dNS ryiH wxlh (Password) m YS,l y fla;h (User ID) b,a mf;ys m<uqfjkau ku i|yka whg ,nd fokq we;'kshuhka iy fldkafoais - fjk;a fiajd fldu I,a nEkala T*a isf,daka mS't,a'iS ^nexl=j& iska $ b,a,Su wkqj" ug$wmg myiql ,ndoSu ie,ls,a,g .ks ka" my; i|yka kshuhka yd fldkafoaisj,ska ne ug uu$wms tl fj $fjuq' fYaIfhka i|ykalr fkdue;s g, "myiql " hkqfjka woyia lrkafka iy we;=,;a jkafka nexl=j iska.

6 Kqfokq lrejkag ,ndfok ATM / DEBIT ld m;" wka; cd, nexl= fiajd" fudnhs,a nexl= fiajd" oHq;a .sKq m%ldY/ e-Passbook fiajdj iy fl mKsjqv oekq oS ^wod< wjia:dj,oS& hk fiajdjkah'01' miqmsfgys ku i|yka lr we;s mqoa.,hdg muKla myiql iemhSu iSud ls u' 02' mqoa., y wxlh (PIN) $ ryiH wxlh (Password) $ m YS,l y fla;h (User ID) lsisu wjia:djl fudku fya;=jla ksid fyda lsisu mqoa.,fhl=g fy,s fkdls u iy th w;sYhskau ryiH f,i ie,lSu'03' ld m; wia:dk.; jqjfyd;a fyda fidrl lrkq ,enqjfyd;a jydu nexl=jg oeka u iy m YS,l y fla;h $ ryiH wxlh $ mqoa., y wxlh wjir fkd,;a md Yjhla w;g m;a we;s nj oek.;fyd;a jydu nexl=jg jd ;d ls u'04' mqoa., y wxlh $ryiH wxlh $m YS,l y fla;h wia:dk.; u" fyda wjir fkd,;a md Yjhla w;g m;a u ms<sn|j oeka u ,enqkq njg nexl=j iska ug$wmg ikd: l< miq is jk .kqfokq ls yer nexl= myiql Nd ;fhka is lrk iEu .kqfokqjlu mQ K oe u'05'.

7 Kqfokq ms<sn|j nexl=j i;= jd ;d wjidkd;aul jk w;r iy iEu ld hhka i|ydu ne|S iy.; f '06' ug$wmg mQ j oekq oSulska f;drj myiql keje;a ug $ wj, ls ug $ w ;a ls u m%;sfCIam ls ug nexl=jg ksoyi we;'07' hka;%fha m%udKj;a uqo,a fkdue;s u we;= kEu myiqlula l%udkql+,j ls%hd fkdls u fyda l%shdls ug wiu;a u fya;= is jk lsis mdvqjla fyda ydkshla i|yd jk fyda fpdaokdfjka nexl=j ksoyia ls u'08' .sKq ys hd iska is fkdlrk ,o njg nexl=f ;ks wNsu;h m os Yajdi lrk .kqfokq i|yd .sKq ys hd iska fokq ,nk Wmfoia ms,smeoSug nexl=j ne ke;s nj ms< '09' by; i|yka wxl 07 hgf;a i|yka lr we;s lreKq t;l= jqj;a iy ta ms<sn|j w.;shlska f;drj" myiql Nd ; ls fuka is h yels mdvq fyda wjodku ud$wm i;=jk w;r ld m;$ m;a Nd ;fhaoS fyda Nd ;h ksid we;s h yels kEu iy ish u wjodk ud$wm $uq' 10' fudnhs,a nexl= myiql / e-Passbook fiajdj i|yd ,shdmosx lr we;s rl:k i nkaO;djh keje;a f oS fyda fjkia ls f oS jydu nexl=jg oeka u' 11' noaO.

8 SKq ys hka tlaj iy fjka fjkaj fuu kshuhka yd fldkafoais j,ska ne|S is k w;r myiql Nd ;d lr ka is lrkq ,nk ish u .kqfokq i|yd hq;=h'12' fuu b,a m;%ho" fuu b,a m;%fhys iy $ fyda bf,lafg%dkslj ud$wm iska ,ndoS we;s kEu iy ish f;dr;=re iy o;a; .nvd ls ug iy r|jd ; " wjYH jqjfyd;a fyda wjYH fgl ksYaph w lrKhla we;= kS;sh ls%hd;aul lrk n,Od ka fj; idCIs f,i bos m;a ls ugo nexl==jg uu$wms fuhska $ wNsu;h ,nd fo $fouq'13' by; i|yka kS;s iy ,dis j,g wu;rj b;s ls f " fyda fjk;a .sKq lghq;= md,kh jk kS;s iy ,dis tjeks .sKq yd i nkaO myiql i|ydo wod< f ' 14' fuu kshuhka iy fldkafoais ixfYdaOkh ls f whs;sh nexl=j i;=h'15' fuu b,a m;%fhys i|yka lr we;s rl:k wxlh n,h,;a fl mksjqv fiajd ,nkakd iu ,shdmosx lr we;s nj iy;sl lrk w;r whs; fjkia ula fyda by; i|yka i nkaO;djh k;r ls ula fyda wod< rl:kh wia:dk .; ula fyda is jqjfyd;a fkdmudj nexl=jg oeka ug tl`.

9 Fj $fjuq' my; i|yka kshuhka iy fldkafoais ATM myiql i|yd muKla n,mdkq we;' 16' ld m; iEu l,aysu nexl=j i;= foam,la jk w;r nexl=j b,a,d is fgl fldkafoais rys;j jydu th nexl=jg Ndrosh hq;= nj ms< ' 17' uqo,a wdmiq .ekSug fyda fjk;a .sKqulg udrels ug $ .sKqfuys m%udKj;a uqo,la we;s fgl i wka lsisu wjia:djl ld m; Nd ; ls u fyda Nd ; ls ug ;e;a ls u fkdl< hq;=h' 18' ld m; wj, lr fyda Nd ;fhka bj;alr we;s nj nexl=j fyda nexl=j fjkqfjka fmkS is k flfkl= fyda is lrk oeka ulska miqj th Nd ; ls u fyda Nd ; ls ug ;e;a fkdl< hq;=h' 19' lsish fya;=jla ksid ld m; jqjfyd;a ta ms<sn|j nexl=j ;= fkdf '20' l=uk fya;=jla u; fyda nexl= .sKqu jid oeuqjfyd;a fyda ld m; Nd ;h ;j rg;a wjYH fkdjkafka k ld m; wj, ls u i|yd nexl=jg wdmiq ,ndosh hq;=h' 21' YS% ,xld remsh,a yer fjk;a uqo,a tallhla u ska is lrkq ,nk ish u ld m;a .kqfokq" m j ;kh is lrkq ,nk oskhg wod<j VISA / MASTERCARD INTERNATIONAL iska ;SrKh lrkq ,nk ksuh wkqmd;slh u; YS% ,xld remsh,a j,g m j ;kh lr" wod< jkafka k " nexl=j iska mkjkq ,nk w;sf l m%;sY;hla iy VISA / MASTERCARD INTERNATIONAL iska whlrkq ,nk" nexl=j iu yjqf,a oe h yels" tlS.

10 Kqfokqj i|ydjk h .dia;=jla$.dia;= iu ld m;a .sKqug yr lrkq ,ef ' 22' ld m; Nd ;fhka is lrk uqo,a yd fplam;a ;ekam;= .sKqug ner lrkq ,nkafka tajd nexl=j iska i;Hdmkh ls fuka miqjh' ;ekam;a ls f oS iajhxls%h fg, hka;%fhka ksl=;a lrk m%ldYfha ;ud iska ;ekam;a lrk ,oafoahehs lshkq ,nk uqo, muKla i|yka jk w;r ta i nkaOfhka nexl=j lsisu hg;a fkdf ' uqo,a ljrfha we;s uqo,a m%udKh i nkaOfhka nexl=f .Kkh ls u wjidk iy ksjeros .Kkh f ' fpla ;ekam;= j, uqo,a wdmiq .ekSug fplam;a ksYaldIKh .sKqug ner h hq;=h'23' bv ksjdi fyda foaYSh uq,H j;al ,oS .ekSug fuu ld m; Nd ; fkdlrk njg ud$wm iy;sl fj $fjuq' 24' nexl=j iska ld m; Nd ; ls f oS mkjk ,o kshuhka yd fldkafoais j,g wu;rj VISA / MASTERCARD INTERNATIONAL u ska ld m;a Nd ; ls f oS mkjd we;s kshuhka yd fldkafoais j,g ld m;a ys hd hg;a f ' 25' fuu m%ldYh YS% ,xldf ksuh md,ljrhd fj; is lrkq ,nk m%ldYhls (- '''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''' ' ^ld m;a ys hd& iy '''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''' ' ^ld m;a ys hd& jk uu$wm fuys by; olajd we;s ia;r i;H iy ksjeros nj m%ldYlr $uq' ld m; u ska foaY ksuh yd i nkaO.)