TERRIER SECURITY SERVICES (I) PVT. LTD.

TRAINING DEPARTMENT SUBJECTS : Lesson Plan DURATION : 45 Minutes DATE OF UPDATION : Basic Training Syllabus FOLIO NO : TSS(I)/TRG/LP/41 COPY NO : 01 TITLE : Usage of ATM Card

USAGE OF ATM CARDS

INTRODUCTION: This Card is very convenient and this is the sole reason people prefer to withdraw money from an ATM instead of waiting in a long line inside the bank. It saves your time and energy. Moreover an ATM is open 24x7. So you can have access to cash whenever you need. These days' you can find an ATM everywhere from a street corner to a grocery store, a parking lot or even inside a hospital. They are located at several places for your customer convenience. Using this card has become a part of our daily life. However using this card has got some disadvantages. Those who constantly turn to ATMs don't realize that there is risk involved in using ATMs frequently. It is risky because ATM robberies have become a popular crime. Almost everyone living in an urban area uses an ATM quite ignorant of its usage guidelines. ATM CARD FACILITY at TERRIER: Terrier is having a corporate business account with ICICI Bank, which provides ICICI Paydirect Cards for money transactions of Terrier Staff. "PayDirect Card" or "Card" shall mean a prepaid VISA electron card issued to the employees. FEATURES OF THE PAY DIRECT CARD: This Card is a pre-paid card with magnetic strips, which can be loaded in Rupees. The card does not have any minimum balance requirement and it offers you the flexibility of using it at all the VISA ATMs and merchant outlets in India. ICICI Bank will supply the PayDirect application forms to the company. The company will get the forms filled from its employees, introduce the employee by authorizing the form and make a request to the Bank for the PayDirect Card. After verifying the identity of the customer and the necessary documents, the Bank will hand over the kit to the customer. The Bank will activate the cards after receipt of JOINING FEE. The PayDirect card can be used at any VISA-enabled points of sale or ATM. The card features can also be customized as per the requirement. Page 1 of 5

The maximum amount per loading is BELOW Rs.50, 000. There is no minimum amount. There is no restriction on the number of re-loadings on a card. ENABLING & TRANSACTIONS PROCESS: The PayDirect pre-paid card comes in a Card Kit along with the following: Your ATM-PIN: This is the number used for ATM transactions. A 'Welcome' booklet: With Terrier customer service numbers and instructions on how to use the card. Envelope: With the following instructions on the seal "Please do not accept if seal is broken". You are required to sign on the charge slip (produced by the Electronic Data Capture machine at the time of purchase) to complete a transaction at the merchant outlet. The merchant has to match this signature with the signature on the signature panel on the reverse of the card. Transactions at merchant outlets are thus protected by your signature. You must ensure that you sign on the signature panel as soon as you receive the card. REPORTING LOSS & REPLACEMENT: The ICICI Bank PayDirect Card comes with zero lost-card liability after its loss has been reported. Hence report the loss of the card to Help Desk as soon as you come to know of it. The card will be blocked and thus prevent any further usage. A replacement card will then be provided through Company. Services & Fees : Transaction charges Joining Fee Rs. 200 Annual Fee Rs. 200 Balance Enquiry @ Non ICICI ATMs Rs .8 Cash withdrawal from VISA ATM's of Non ICICI Rs .20 Lost card replacement Rs. 100 Any transaction @ ICICI Free Transaction type All the above charges are further increased by Service tax of 10.33% ATM Usage: To withdraw cash from an ATM, first look for the "VISA" or "Plus" logos on the ATM. At an ATM where the logo is present, insert the card in the card slot as advised on the ATM panel. The ATM will ask you for your PIN. Enter the ATM-PIN of you card. Once your ATM-PIN is validated, the machine will prompt you to enter the amount of cash you wish to withdraw. Enter the amount of cash you need. If your ICICI Bank PayDirect card has sufficient funds, the machine will dispense the

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requested cash. Most ATMs have the facility to check the balance on the card. The withdrawal slip also generally indicates the amount withdrawn. Lost, Stolen or Misused Paydirect Cards: The Card Member must immediately report such loss/theft to ICICI Bank's 24-Hour Customer Care. However, in case of loss of Card due to theft, the Card Member may also file an FIR with the local police and should be able to produce its copy upon request by ICICI Bank. ICICI Bank will, upon adequate verification, suspend the Card and terminate all facilities in relation thereto and will not be liable for any inconvenience caused to the Card Member/Enterprise. The Card Member shall take cognizance of the fact that once a Card is reported lost, stolen or damaged, the Card cannot be used again, even if found subsequently. The Card Member declares that if a Card is reported lost, damaged or stolen, it shall not be used again, even if found or said to be in a non-damaged condition subsequently. In such cases, the Card Member shall promptly cut the Card in 4 pieces and return it to ICICI Bank for cancellation. The Card Member is responsible for the security of the Card and shall take all steps towards ensuring that the Card is not misused. In the event that ICICI Bank determines that the Card Member has failed to take steps as indicated above in case of loss / theft / destruction of the Card and the same are Questionable, financial liability on the lost, stolen or damaged Card would rest with the Card Member and could even result in cancellation of the Card. No liability shall accrue upon the Card Member for any unauthorised transactions done on the Card from the time such Card has been reported lost/ stolen/ damaged and upon ICICI Bank having suspended the Card. Liability of any transaction made on the Card post reporting its loss/ theft/ damage shall fall upon the Bank. However, in case of any dispute relating to the time of reporting and/ or transaction/s made on the Card, post reporting of the said Card as being lost/ stolen/ misused, ICICI Bank shall reserve the right to ascertain the time and/ or the authenticity of the disputed transaction. If you forget your ATM-PIN, you may call our Customer Care (Tollfree numbers, India: 1800-22-4848, Bangalore: 41131877) and ask for a new PIN.Customer Care executive will give you the new PIN over the phone after successful verification of your details. ATM SAFETY TIPS: Keep Your Pin Confidential. Memorize your Personal Identification Number (PIN); don't write it on your card, or leave it in your wallet or purse. Keep your number to yourself. Never provide your PIN over the

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telephone, even in a caller identifies him/herself as a bank employee or police officer. Neither person would call you to obtain your number. Change your PIN No frequently and do not note it down in your mobile phone. Conduct Transactions in Private. Stay squarely in front of the ATM when completing your transaction so people waiting behind you won't have an opportunity to see your PIN being entered or to view any account information. Similarly, fill out your deposit/withdrawal slips privately. Don't Flash Your Cash. You must count your money, do it at the ATM, and place your cash into your wallet or purse before stepping away. Avoid making excessively large withdrawals. If you think you're being followed as you leave the ATM, go to a public area near other people and, if necessary, ask for help. Save Receipts. Your ATM receipts provide a record of your transactions that you can later reconcile with your monthly wage slips. Leaving receipts at an ATM can also let others know how much money you've withdrawn and how much you have in your account. The receipts after reconciling may be destroyed to prevent others misusing the same. Guard Your Card. Don't lend your card or provide your PIN to others, or discuss your bank account with friendly strangers. If your card is lost or stolen, contact your bank immediately. Avoid Using At Night: The main advantage of the card is that you can withdraw money 24x7. At the same time it can become a disadvantage. Unless you need cash very urgently avoid using an ATM late at night. Don't allow anyone to stay inside the ATM when you are making a transaction. If the person is a technician who has come to solve any technical problem the machine is having, ask the person to show his identity card and license. Certified ATM Technician always carries the license with them. REMEMBER: ATM machine are made based on time system. Be prepared to withdrawal of amount or transactions. In case of wrong access of pin or ATM insertion & damage of ATM card will always rejects by ATM machines. Mind the similar failed transaction thrice (3 times) of such will result in block of card and PIN.

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PIN pouch is not a scratch and see type, it should be cut in the beginning of the pouch head i.e. as we cut a post envelope on top of it without disturbing its content. Better to remember ATM pin in mind or other wise the ATM pin can be changed with ATM machine by pressing optional buttons. Dont be hurry or pull too fast or slow so let card read well and prompts for an access code/ PIN.

! Call the Police If You See Someone Behaving Suspiciously!

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