START USING TOWAH™

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Table of ContentsRegisteramemberinTowah™ ............................................................................... 3RegistrationthroughTowah™website .................................................................................................... 3Beforestarting .....................................................................................................................................................3Step1 ........................................................................................................................................................................4Step2 ........................................................................................................................................................................4

Registrationbyinvite ....................................................................................................................................... 6

OrderingtheTowah™MasterCard®Card ............................................................... 6

CheckingthestatusofyourTowah™MasterCard®order........................................ 6

ActivatingyourTowah™MasterCard®card ............................................................ 7

Changingphonenumber: ....................................................................................... 8

Tochangeaddressandname: ................................................................................ 8

Forgottenyourpassword: ...................................................................................... 8

SMSCommandoes: ................................................................................................ 8

Loadingandtransferringmoney:............................................................................ 9Loadingyouraccount:...................................................................................................................................... 9LoadingTowahMasterCard: ...................................................................................................................... 11SendingMoneywithinTowah:.................................................................................................................. 11TransfermoneyfromTowahtoanotherbank: ................................................................................. 11

ViewTransactions: ............................................................................................... 12

Giveyouraccountsnewnames: ........................................................................... 12

UsefulinformationaboutTowah:......................................................................... 13AboutTowah– ................................................................................................................................................. 13ContactSupport–............................................................................................................................................ 13TermsandConditions– ............................................................................................................................... 13Pricing–............................................................................................................................................................... 13PrivacyPolicy– ................................................................................................................................................ 13

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Register a member in Towah™ ThereareseveralwaystobecomeamemberinTowah™.Youcanbecomeamemberthroughoneofourassociatedmerchants.Thiswillnotbecoveredinthismanual.Ifyouareregisteringthroughoneofourassociatedmerchants,pleasecontactthatmerchantfordetaileddescriptiononhowtoregister.ThetwowaysthatwillbecoveredinthismanualareregistrationthroughTowahwebsiteandregistrationbyinvite.

Registration through Towah™ website Gotowww.towahbanking.com/register.Youwillbetakenthroughafeweasystepstocompletetheregistration.

Before starting 1. Readthetermsandconditions,andacceptthembeforecontinuing.2. Click“Proceedtoregistration”.

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Step 1

1. FillinyourcellphonenumberinInternationalformat:+XX999999999999WhereXXisthecountrycode(usuallybetween1and3numbers)andtherestisyourphonenumberexcludingthefirst0ifthereisany.

2. Click“Registerphonenumber”.

3. Youwillreceiveaone‐timecodebySMStoyourcellphone.Enterthiscodeinthefieldthatappears.

4. Click“Verifyone‐timecode”.

Step 2

1. Enteryourpersonaldetails.2. Click“Completeregistration”.

Thesecurityquestionwillbeusedtoretrieveyourpasswordshouldyouforgetit,somakesuretheanswertoyoursecurityquestionissomethingyouwillneverforget,andsomethingthatotherscannotguess.

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Atthispointyouraccountisregistered,butnotfullyactivated.ToactivateyouraccountyoumustsubmityourKYCdocuments.SeetheKYCsectioninthisdocumentformoreinformation.

YoucanalsoordertheTowah™MasterCard®cardeasilybyclicking“GetyourTowahMasterCardnow”.FormoredetailsoncompletinganorderfortheTowah™MasterCard®cardseethesectionOrderingtheTowah™MasterCard®cardinthisdocument.

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Registration by invite YoucanbecomeaTowah™memberbybeinginvitedbyanothermember.TobeinvitedanexistingTowah™membermustsendyousomemoneyfromhis/herTowah™account.

Ordering the Towah™ MasterCard® Card

Logintowww.towahbanking.comwithyourphonenumberandpassword.Ontheleftyouwillseealinksaying“upgradeyourMembership”,clickonthis.Onthenextpageyouwillbeaskedtochoosehowtopayforthecardmembership,andtheamountofinitialloadyouwantonyourcard(minimumis15euro,thiswillbeavailableforyourusagewhenthecardisreceivedandactivated).Selectwhichaccountyouwanttopayfrom,(toloadyourTowahAccountpleaseseeloadingyouraccount.)Click“upgrademembershipnow”.

Checking the status of your Towah™ MasterCard® order Afterordering,youmaycheckthestatusofyourorderbyclicking“onlinebanking”atthetopofthewebsite,andthen“yourorderforTowahMasterCardisnotcomplete”whichwillnowbedisplayedinaboxcalledPendingActionsonthemainpage.

Step1­3mustbecompleted(green)beforetheTowah™MasterCard®cardissenttoproduction.

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CardordersaregeneratedandsenttoproductioneveryFriday.Youwillreceiveanemailwhenyourorderhasbeengenerated.Ittakesapproximately2weeksfromproductiontillthecardisinyourmailbox.

Activating your Towah™ MasterCard® card WhenyouhavereceivedyourCardandyourpincode,logintowww.towahbanking.comandclick“yourorderforTowahMasterCardisnotcomplete”.Onthenewpage,godowntoStep4andclick“activateyourTowahCard”.Onthenextpageyouwillbeaskedtoenterthelastfive(5)digitsonyoucardnumberandyourpincode.Thenclick“activate”andyourcardwillbereadyforusage.

ThecardandthePINcodewillbesentinseparatemails.

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Changing phone number: YourphonenumberisyourusernameinTowah.IfyouchangeyourphonenumberyouneedtochangeyourusernameatTowah:

To change your phone number, send a SMS to +447797882510 from your new number with text CP "old phone number" "your password" ex.: CP +4799999999 pass123

To change address and name:

Send a mail to KYC@towah.com or to:

Towah Group

Agentveien 1

1607Fredrikstad

NO- NORWAY

With information on what you need to change, and a proof of the new information,

Copy of Utility bill (no older than 3 months), copy of passport/drivers license.

Forgotten your password: Opentowahbanking.com,tick“forgottenpassword”,typeyourphonenumber,andtick“verifyphonenumber”,youwillbeaskedtoansweryoursecurityquestion,andselectanewpassword.Whenyouhavedonethistick“setnewpassword”andyourpasswordischanged.

SMS Commandoes: Allthesecommandsistobesentto+447797882510AllamountsareinEurocent

‐TransfertocardTOCARDpasswordamount

‐SendtoanothermemberSENDreceiverpasswordamount

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‐BlockcardBLOCK

‐ChangephonenumberCPoldPhonepassword

‐CheckbalanceBALellerBALANCEpassword

Loading and transferring money:

Loading your account: Loginattowahbanking.com,tick“loadyouraccount”inthemenuontheleft,Onthepagethatappears,tick“loadyouraccountviabanktransfer”.Nextpageincludeschoosingofwhereyouwanttotransferfrom,Whichaccountyouwantload,Andtheamountyouwishtoload.Fillthisoutandtick“generateinstructions”,Theseinstructionswillgiveaspecificexplanationonhowtoloadyouraccountviabanktransfer.

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ico Remembertomarkthetransfer/loadwithyouraccountnumber.

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Loading Towah MasterCard: Ontowahbanking.cominthemenutoyourleftyouclickon“transfertocard”,Choosewhichaccountyouwishtotransferfromandto,Inserttheamountyouwishtotransfer,Andwriteadescriptionifyouwantto.Tick“TransferNow”.

ThistransfercanalsobedoneviaSMS,SendaSMSto+447797882510withtext

‐TOCARDpassword10000

Amountisineurocent(Ifyouwanttotransfer475euro,youtype47500)

Sending Money within Towah: Inthemenuontowahbanking.comtick“sendmoney”,“EnterRecipient”,typeinthephonenumber(+4799999999)towhomyouwishtosendmoneyto,“Amount”,fillintheamountyouwishtosend,“SMSReceipt”,checkthisboxifyouwantaSMSsenttoyouwiththeconfirmationandfeeschedule.“Description”,fillinwhatthemoneyisifyoulikei.e.cardpayment,birthday.Andtick“sendMoney”.ThepersonyouwanttosendmoneytodonotneedtobeaTowahMember,ItwillautomaticallybeopenedanaccountonthisphonenumberandaSMSwillbesenttothepersonwithinformationthattheyhavereceivedmoneyandhowtheycanregister.

SendingmoneycanalsobedoneviaSMS:

SendaSMSto+447797882510withtext

‐SENDreceiverpasswordamountAmountisinEurocent(Ifyouwanttotransfer475euro,youtype47500)

Transfer money from Towah to another bank:

(Requestawiretransfer)Onthemenuontowahbanking.comtick“transfertobank”,Choosefromwhichaccountyouwishtotransfermoney,Theamountyouwishtotransfer,Fillinnreceiversnamein“accountname”,IBANandBIC(swift)ofthereceivingbank.Checkthebox“remembermybankdetails”,ifyouwanttosavethedetailsofthisreceiver.

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Tick“continue”

View Transactions: Onthemenuontowahbanking.comtick“viewtransactions”,Under“transactionoverview”choosetheaccount/cardyouwanttoseetransactionsfor,(Unlessyouchooseatimeframeitwillautomaticallygiveyouthelast14days)Toselectadifferenttimeframe,youcantickthearrowdownunderselectpresetfilter,Oryoucanselectafromandtodateinthecalendar.

Give your accounts new names: Ontowahbanking.comonthemenutotheleftchoose“renameaccounts”,Choosetheaccountyouwishtogiveanothername,writethenameyouwantunder“newaccountname”andtickupdate.

“RegisterCreditcard”isnotnecessarytoexplainsincetheoptiontoloadaccountwithcreditcardisterminated.

“Upgrademembership”isforupgradingyourmembershiptocardmembership.InotherwordsifyouwanttoorderaTowahMasterCardyoucantickthisbutton.(See“howtoorderTowahMasterCard”forinfoaboutthis)

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Useful information about Towah: Ontowahbanking.com,youwillsee5links;TheselinksprovideyouwithgoodandusefulinformationaboutTowah.

About Towah – GivesyoualittleinciteinwhatTowahcanprovideyouwith,andwhatweare.

Contact Support – (ThefirsttimeyouusethissiteIsuggestyouregisteryouremailaddress,toeasiermanageyourwayaroundonthispage.)

Inthemenuontheleftyougetsomealternatives:

Home– Takesyoubacktotheopeningpage

Openaticket–isforwhenyouneedtocontactTowahsupport,tickthelink,choosewhichdepartmentyouneedbecomeintouchwith,andwriteasfullasyoucanaboutyourissue(ifyouneedtosendadocumentyoucanuploadthisunder“AddFileAttachment(s))andclick“sendticket”,andoneofTowah`semployeeswillhelpyou.

TicketHistory– Letsyouviewalltheticketsyouhavesentandreceivedto/fromTowah.

BrowseKnowledgebase–Letsyousearchforfrequentlyaskedquestions.

MyAccount–LetsyouviewtheinformationyouregisteredwithunderSupport(NotyourTowahAccount),hereyoucanchangeyourpersonalinformationandyouloginpasswordatsupport.

Terms and Conditions – Tick“T&CforprepaidMasterCardStandardCard”ThispagegivesyoualmostalltheinformationyouneedaboutTowahMasterCard.Iwouldrecommendthatyoutakealookatthisinformationsite.

Pricing – Letsyouviewinformationaboutfeesandcharges. “FeesandchargesforstandardMasterCardprogram”– LetsyouseethefeesforusingTowahMasterCard.

Privacy Policy – HereyoucanreadaboutTowahsPrivacyPolicyregardingourcustomers,andtheirpersonalinformation.

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