La Vida Advisors Pvt. Ltd., a Kolkata based company, offers wide spectrum of services & products from e-governance Services viz.

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2 We re just not Dreamers But Doers. La Vida Advisors Pvt. Ltd., a Kolkata based company, offers wide spectrum of services & products from e-governance Services viz., issuance of PAN Card, Aadhaar Card, Child Aadhaar Card, rectification, upgradation & digitization of Aadhaar Card, digital printing of Aadhaar Card through Permanent Enrolment Centre throughout West Bengal, Atal Pension Yojana to Financial Services i.e., e-banking, Insurance, Payment Solution, Loan, Deployment of Bank ATMs etc., Education, like, e-learning, Skill Development, Merit Certificates, Abacus, Competitive Examinations to Water Management Services viz., Deployment of ATM, RO & UF Purification Plant, Purification Machines, Borewell Solutions, AMC and products like e- Government Kit, Water Management Product, Solar Product etc. Within the short period of inception, the Company had made inroads throughout West Bengal with more than 400 customer centres and also established centers in various Municipalities & Gram Panchayets in Bihar, Jharkhand & Odisha to generate Digital Aadhaar Card. The Company has its own fully fledged setup in all 20 districts of West Bengal having Branch Office in each districts managed by Business Development Manager (BDM). Under the Branch Office runs Service Centers at Block & Gram Panchayet Level. Today, La Vida Advisors Pvt. Ltd. has opened Service Centers in almost 40-50% Blocks in all the districts and successfully covered all the Gram Panchayets in the Blocks in West Bengal. Headquarters in Kolkata, La Vida Advisors Pvt. Ltd. has a dedicated young team of professionals working round the clock to deliver result-oriented quality services to hundreds of clients and sincerely strive at making a bold footprint across India.

3 Vision To be a leader and role model in a broad based and integrated e- services business. Mission To simplify the lives of the customers. To make the customers, employees & investors more successful. To make a positive contribution to the society & world at large. Always demonstrate respect when achieving the set results. Value Integrity Transparency Honesty Innovation Commitment Passion Speed We ve the wings to spread our Services

4 e-governance Services Services Products The Life lived in the service of others is worth Living Aadhaar Card PAN Card Atal Pension Yojana Financial Services Insurance e-banking Loan Payment Solution Deployment of Bank ATM Water Management Service Purification Plants Water ATM Purification Machines Packaged Drinking Water Business Incorporation Borewell Solutions AMC Education e-learning Skill Development Merit Certificate Abacus Competitive Examinations E-Government Product Enrollment Kit Digital Printing Machine Laptop Web Cam Morpho Water Product Water Purification Plant Accessories Water ATM Solar Product Solar Panel Solar Cell Solar Inverter AMC

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6 Airtel Payments Bank & USE Ecosystem USE CSPs (Banking Points) CSPs (Merchants) Villagers (Customers)

7 Distribution Structure Airtel Payments Bank USE BC Cash management for Banking Point m-cash Physical cash-liquidity for Withdrawal Training Online /APP Merchandising Banking Point (CSPs USE ) Open Savings Account Cash Deposit & Withdrawal Assisted Ticketing & Utilities ( to be added) Through Large Screen & Biometric Device

8 Advantages of Airtel Payments Bank! Simple Banking Processes (ekyc based) Minimal charging and upfront communication Multiple Non-smartphone solutions PAN India Retail Presence No paperwork required, Aadhaar powered processes All notifications via SMS, no hidden charges Works seamlessly in low Banking Points for connectivity areas neighborhood presence App, USSD, IVR, Web (multiple feature-phone solutions)

9 Simple Processes (ekyc based)- Customer Account Opening All processes validated by Aadhar based biometric verification (ekyc) No paperwork required Direct validation using UIDAI data Advantages of ekyc No paperwork required Immediate account opening (<3 minutes) No information sharing with retailers Secure Transactions Completely hassle free process!

10 Airtel Payments Bank Savings Account Features Simplified Aadhar Based account opening process Account can be opened on Airtel as well as non Airtel Mobile numbers Account no is same as your Mobile No Access to Bank Account through Mobile App(Smart phone) and USSD (Feature phone) Cash withdrawal and deposit at any CSP Single IFSC code Attractive interest rate of 7.25% per annum Paid Monthly Free Accidental Death Benefit of 1 Lac* Virtual Debit-card for online payments Transfer of funds to any bank account across the country(using IMPS) Payment at merchants accepting Airtel Money Utility Bill payments and mobile recharges directly from the account * One Debit Transaction every Month

11 Airtel Payments Bank Savings Account Charges Schedule of Charges Service Fee/Charges (` ) Account Opening* Free Cash Deposit / Load Cash (Internet banking, Mobile App & Banking Points) Cash Withdrawal Funds Transfer Within Airtel Payments Bank (Internet banking, Mobile App & USSD) Free 0.65% of withdrawal amount FREE From Airtel Payments Bank to another Bank (Internet banking, Mobile App & USSD) for amounts Set-off balance* * 0.5% of amount transferred `50 **A sum 0f Rs 50 cannot be withdrawn from the account and will be deducted at the time of account closure

12 Airtel Payments Bank Savings Account Limits Description Minimum Cash Deposit Amount Minimum Cash Withdrawal Amount Minimum Amount for Funds Transfer (Internet banking, Mobile App & USSD) Maximum Cash Deposit per day at a Banking Point Maximum Savings Account Balance Maximum Money can be added using Debit Card per day Transaction limit on a transfer to another Airtel Payments Bank account Transaction limit on a transfer to a non- Airtel Payments Bank account through NEFT Transaction limit on a transfer to a non- Airtel Payments Bank account through IMPS Maximum number of transfers to non- Airtel Payments Bank accounts per day Maximum number of transfers to non- Airtel Payments Bank accounts per month Maximum number of transactions allowed per month `10 `10 `10 `49,990 `1,00,000 `25,000 `1,00,000 `1,00,000 `1,00, ,000 * Minimum amount for first cash deposit is Rs 100 Limits

13 Banking Points Airtel Payments bank will leverage USE CSP Network to have physical touch points (Banking Points) Avail the below services at a next door Banking Point in village Account Opening Cash Deposit Cash Withdrawal Accept digital payments for goods / services At Banking Points: No POS machine required Only Desktop/Laptop Required Biometric device required for account opening CSPs of USE In West Bengal

14 Digital Access Channels- Customers 1/2 App Convenient and intuitive app for android and ios Functionalities like money transfer, recharges, utility bills, pay merchants, etc. USSD Functionality designed for feature phones users (*400#), available in multiple languages including Bangla All type of transactions present for self usage IVR Can be accessed by dialing 400 or (non airtel customer) Allowing customers to check balance, last transactions, recharge, money transfer, pay merchants CSP can Take Printout of Statement from Portal

15 Digital Access Channels 2/2 USSD (*400#) & IVR (400) to be available on feature phones (Both to be offered in multiple languages) My Airtel APP (Android & ios both) English USSD Bangla USSD Customer App Empowering feature phones users to transact digitally!

16 USSD Money Transfer To Any Bank Account *400# Steps for customer to send money PAN India

17 USSD Pay Any Merchant (Shop) *400# Steps for customer to pay any shop

18 OPEN BANK ACCOUNT Banking Point clicks on MitraApp after successful installation Welcome Screen after clicking on Mitra app Password option will appear, enter pass & Submit Click on Airtel Payment Bank Tab on right upper side

19 OPEN BANK ACCOUNT Bank main menu appears, Click on Open Bank Ac option Select Aadhar yes, customer mobile no enter customer mobile no and submit Enter customer mobile number and submit

20 OPEN BANK ACCOUNT Tick on condition & pan, enter customer pan and aadhar no, press on scan button & scan finger on biometric device Authentication successful Aadhar data appears Enter nominee details and click on submit button

21 OPEN BANK ACCOUNT Select or enter first cash deposit amount and next Customer information summary Tick on condition, Touch on biometric sign, authentication will be started Authentication successful

22 OPEN BANK ACCOUNT Enter Retailer mpin and Submit Confirmation screen

23 CASH DEPOSIT For Cash deposit, touch on cash deposit Enter depositor no and amount if selecting Self Enter depositor no, beneficiary no and amount if selecting other, Proceed Customer OTP and Retailer Transaction mpin OR

24 CASH DEPOSIT Enter customer received OTP and Retailer transaction mpin Confirmation screen

25 CASH WITHDRAWAL Touch on Cash withdrawal Enter customer account linked mobile no and select or enter amount and confirm Tick on condition and customer scans thumb Authentication successful

26 CASH WITHDRAWAL Confirmation

27 Merchant Proposition NON KYC Zero Merchant Service Fee No paperwork required 0% No settlement charge (vis-à-vis 1-2% on cards) Multiple Non-smartphone solutions Completely digital onboarding In 3 simple steps Settlement to Bank Ac T+1 day Merchant can be made on Feature Phone Settlement to Merchant Bank Ac next Day Rs 50000/ Monthly Limit on No KYC Merchant

28 La Vida Advisors Pvt. Ltd. CIN: U74999WB2016PTC A, Deshapriya Park (East), Kolkata , West Bengal, India Phone: Mobile: For any assistance, kindly Contact Us Thank You