Prime Minister Narendra Modi hugged new Tamil Nadu Chief Minister O Panneerselvam as the latter wept inconsolably when the Prime Minister visited Chennai's Rajaji Hall, a large public auditorium where J Jayalalithaa's body was placed for people to pay their respects before she was burried at Chennai's Marina beach near her political mentor MGR. PM Modi was also seen patting Ms Jayalalithaa's long-time companion Sasikala Natarajan on the head. Ms Natarajan too broke down and PM Modi consoled her, stopping for a few minutes to talk to her.
Tuesday, December 6, 2016
PM Modi Pays Tribute to Jayalalithaa
Prime Minister Narendra Modi hugged new Tamil Nadu Chief Minister O Panneerselvam as the latter wept inconsolably when the Prime Minister visited Chennai's Rajaji Hall, a large public auditorium where J Jayalalithaa's body was placed for people to pay their respects before she was burried at Chennai's Marina beach near her political mentor MGR. PM Modi was also seen patting Ms Jayalalithaa's long-time companion Sasikala Natarajan on the head. Ms Natarajan too broke down and PM Modi consoled her, stopping for a few minutes to talk to her.
Tuesday, October 25, 2016
Thursday, October 13, 2016
How to insert sim card, battery, SD card, into a smart phone
This video is tutorial for novices on how to insert sim card, SD card, battery in Intex Cloud Fx firefox smartphone. This video is meant only for the novices, who are the first time buyer of any smartphone.
Friday, September 30, 2016
What is the difference between SIM card and USIM card?
SIM
cards (Subscriber Identity Module) are used to communicate on GSM networks.
With the introduction of UMTS or 3G, it’s highly recommended to use a USIM card
to access UMTS network. Although it’s possible to access it with a simple SIM
card, the USIM have many advantages as compared to the SIM:
•
A USIM is a tiny computer which is able to handle several mini applications,
for instance a contactless e-purse for the subway, a local service portal giving
you access to your phone bill, etc;
•
A 3G (UMTS) handset equipped with a USIM card can be used to make video calls,
assuming the calling area is covered by a 3G network;
•
Regarding security, a new algorithm is integrated (it’s derived from recent researches
in cryptology). It allows to protect you from unauthorized access to your phone
line, and therefore to be charged with fraudulent calls on your bill;
•
Your calls and data exchanges are encrypted using keys computed by the USIM,
and these keys are stronger than those provided by SIMs.
•
The phonebook is much bigger on the USIM, allowing thousands of contacts
(instead of a maximum of 255 in a SIM). Each USIM contact is also richer, for
instance it can contain email addresses, a second or third phone number, etc;
•
Contacts in the USIM are stored much more securely on the USIM as compared to
using the phone memory.
Thursday, July 7, 2016
Refund Rules Indian Railways
Authority:- Railway Board letter No. TCII/2003/2015/Refund
Policy/1 dated 06-Nov-2015 The Gazette Of India Notification Dated 04-Nov-2015.
Ticket Booking/cancellation Hours: 00.20 HRS to
23.45 HRS
IRCTC Service Charges for I-Ticket (Service charge
levied is not Refundable):-
Class
|
Service Charge
|
|
|
Sleeper Class/Second Class
(SL/2S)
|
Rs.80/- per ticket plus service
Tax
|
|
|
Higher Class
|
Rs.120/- per ticket plus
service Tax
|
(1AC,2AC,3AC,CC,3E,FC,EC)
|
|
IRCTC Service Charges for E-Ticket (Service charge
levied is not Refundable):-
Class
|
Service Charge
|
|
|
Sleeper Class/Second Class
(SL/2S)
|
Rs.20/- per ticket plus service
Tax
|
|
|
Higher Class
|
Rs.40/- per ticket plus service
Tax
|
(1AC,2AC,3AC,CC,3E,FC,EC)
|
|
Refund Rules:- (i-ticket &
e-tickets)
Reservation Failed Transaction:- (i-ticket &
e-tickets)
If
amount getting debited from customer account and ticket not issued, IRCTC will
refund the entire Fare and IRCTC service charges electronically(as credit to
the relevant credit /debit card account used for the transaction), but the
bank/card transaction charges are likely to be forfeited.
IRCTC's
payment reconciliation team works on a 24 x 7 basis, IRCTC offers no guarantees
whatsoever for the accuracy or timeliness of the refunds reaching the Customers
card/bank accounts. This is on account of the multiplicity of organizations
involved in processing of online transactions, the problems with Internet
infrastructure currently available and working days/holidays of financial
institutions.
Refund on cancellation:- (i and e-ticket)
The
e-tickets shall be cancelled through internet and the refund of fare shall be
credited to the account from which booking transaction took place, after
deducting the applicable charges and in case of i-tickets, the ticket shall be
cancelled at the reservation counter and thereafter on online application, due
shall be credited to the account from which booking transaction took place.
In
case of e-tickets shall be cancelled online or online TDR shall be filed within
the time limits prescribed under these rules for obtaining refund.
All
refund will be processed as per Extant Railway Refund Rules:
The amount deducted is based on
the time of cancellation and the status of your ticket. Detailed explanations
are given below:-
(a)
If
the ticket is presented for cancellation more than forty eight hours in advance
of the scheduled departure of the train, a minimum per passenger cancellation
charges shall be deducted at the flat rate:-
|
Class of your ticket
|
Flat Cancellation charges per
|
|
|
|
passenger
|
|
|
AC First/Executive Class
|
Rs.240
|
|
|
First Class/AC 2 Tier
|
Rs.200
|
|
|
AC Chair Car/AC 3Tier/AC 3
Economy
|
Rs.180
|
|
|
Sleeper Class
|
Rs.120
|
|
|
Second Class
|
Rs.60
|
|
(b)
|
|
|
|
|
If the ticket is presented for cancellation
|
25%(twenty five) percent of
fare subject
|
|
|
between forty eight hours and
up to
|
the minimum of the cancellation
charge
|
|
|
twelve hours before the scheduled
|
referred to in clause 1(a)
|
|
|
departure of the train
|
|
|
(c)
|
|
|
|
|
If the ticket is presented for
cancellation
|
50%(Fifty) percent of fare
subject to a
|
|
|
within twelve hours before the
scheduled
|
minimum of the cancellation
charge
|
|
|
departure of the train and up to
four
|
referred clause 1(a)
|
|
|
|
|
|
|
hours before the scheduled
departure of
|
|
|
|
the train irrespective of
distance
|
|
|
|
|
|
|
(d)
No refund of fare shall be
admissible on the ticket having confirmed reservation in
case ticket is not cancelled or TDR not filed online upto four hours
before the scheduled departure of the train
(e)
No refund of fare shall be
admissible on RAC e-tickets in case the ticket is not cancelled
or TDR not filed online up to thirty minutes before the scheduled
departure of the train.
2. Cancellation Charges for RAC
or Waitlisted Tickets:-
(a)
In
case of e-tickets shall be cancelled online or online TDR shall be filed within
the time limits prescribed under these rules for obtaining refund.
(b)
Where a RAC ticket or wait-listed ticket
is presented for cancellation, the refund of fare shall be made after deducting
the clerkage if the ticket is present for cancellation upto thirty minutes
before the scheduled departure of the train irrespective of the distance.
Clerkage
Charge:-
Up to 30 minutes before the
scheduled
|
Clerkage charge Rs.60 per passenger
|
departure of the train
irrespective of
|
|
the distance
|
|
(c)
No
refund shall be granted on RAC ticket or wait-listed ticket after thirty
minutes before the scheduled departure of the train.
(d)
Where
confirmed reservation has been provided to RAC or wait-listed ticket holder at
any time up to final preparation of reservation chart, such ticket shall be
treated as a reserved ticket and cancellation charges shall be payable in
accordance with clause 1(Cancellation Charges for
Confirmed
Tickets):-
3. Cancellation Charges for
Partially Confirmed Tickets
(a)
In
case of e-tickets shall be cancelled online or online TDR shall be filed within
the time limits prescribed under these rules for obtaining refund.
(b)
In
case, on a party e-ticket or a family e-ticket issued for travel of more than
one passenger, some passengers have confirmed reservation and others are on RAC
or waiting list, full refund of fare, less clerkage, shall be admissible for
confirmed passengers also subject to the condition that the ticket shall be
cancelled online or online TDR shall be filed for all the passengers up to
thirty minutes before the scheduled departure of the train.
(c) In
case of party e-ticket or family e-ticket issued for travel of more than one
passenger, some passengers have
confirmed reservation and others are on the list of RAC or waiting list, then
in
case of passengers
or RAC or waiting list not travelling, a certificate shall be obtained from the
ticket checking
staff to that effect and refund of fare shall be processed online through TDR, indicating
the details of the certificate issued by ticket checking staff and the online
TDR shall be filed up to seventy two hours of actual arrival of the
train at passengers' destination and the original certificate issued by ticket
checking staff shall be sent through post to Group General Manager/IT,
Indian Railway Catering and Tourism Corporation Ltd., Internet Ticketing Centre,
IRCA Building, State Entry Road, New Delhi – 110055.
4. Full Wait list Ticket:-
(a)
In
case of wait-listed e-tickets on which of all the passengers is on waiting list
even after preparation of reservation chart, names of all such passengers
booked on that Passenger Name Record (PNR) shall be dropped from the
reservation chart and refund of fare shall be credited to the account from
which booking transaction took place after deducting clerkage.
(b)
In
case of wait-list i-ticket, such tickets can be cancelled at the computerised
Passenger Reservation System (PRS) counter up to thirty minutes before
the scheduled departure of the train irrespective of the distance.
No
refund of fare shall be granted on RAC or wait-listed ticket after thirty
minutes before the scheduled departure of the train.
5. Cancellation of Train:-
(a) e-tickets:-
In
case of cancellation of trains, automatic full refund of fare on confirmed or
RAC e-tickets shall be directly credited to the account from which booking
transaction took place and online cancellation or filing of TDR shall not be
required in such case.
(b) i-tickets:-
In case of i-ticket, the ticket
can be cancelled up to 72 hrs after the scheduled departure of train at any
computerized reservation counter.
Note: Train Diverted – Please refer clause
14(9), 14(10),14(11)
TDR
shall be filed up to seventy two hours of schedule departure of the train at
passengers boarding station
6. Train Running More than Three
hours Late and passenger not travelled:-
No cancellation charge or
clerkage shall be levied and full fare shall be refunded to all passengers
holding reserved, RAC and wait-listed tickets, if the journey is not undertaken
due to late running of the train by more than three hours of the scheduled
departure of the train from the station commencing journey subject to the
condition that
(a)
In
case of e-ticket, the TDR is filed online before the actual departure of the
train for availing full refund.
(b) In case of i-ticket, the ticket
surrendered up to the actual departure of the train.
(c)
In
case the ticket is cancelled or surrendered or if the request for refund of
fare is filed online after the actual departure of train. No refund of fare
shall be admissible.
7. Cancellation of tickets where railway
administration is unable to provide accommodation:-
Where
a railway administration is unable to provide accommodation for any reason
whatsoever to passengers holding reserved tickets, no cancellation charge shall
be levied and full refund of fare shall be granted to them if such tickets are
surrendered for refund within three hours from the actual departure of the
train.
Provided that when the train is
cancelled due to unforeseen circumstances such as accident, breach or flood,
the ticket is surrendered within three days excluding the scheduled day of
departure of the train.
8. Refund on partially used
tickets:-
(a) Where a passenger terminates
the journey enroute, a ticket deposit receipt (TDR) shall be issued to the
ticket holder by the station master of the station in lieu of surrender of the
ticket. The original certificate issued by ticket checking staff shall be sent
through post to Group General Manager/IT,
Indian Railway Catering and
Tourism Corporation Ltd., Internet Ticketing Centre, IRCA Building, State Entry
Road, New Delhi – 110055.
(b) In case of i-ticket, The TDR
shall be issued only up to three days after the scheduled departure of the
train.
(c) In case of e-ticket, TDR is filed
online up to 72 hours after the scheduled departure of the train.
(d) The TDR shall be issued to the
passenger and the passenger may apply for refund of fare within ten days from
the date of commencement of journey.
9. Refund of certain fare on
failure to provide air-conditioning facility in air-conditioned coaches:-
(1) Where the air-conditioning
facility could not be provided for a portion of journey, refund on tickets
issued for air-conditioned coaches shall be granted for such portion on the
following basis namely
(a) If the ticket is for
air-conditioned first class, the difference between the air-conditioned first
class fare and first class fare;
(b) If the ticket is for
air-conditioned II-tier or air-conditioned III-tier class, the difference
between air-conditioned II-tier or air-conditioned III tier class fare and
sleeper class fare(Mail and Express);
(c) If the ticket is for
air-conditioned chair car, the difference between air-conditioned chair car
fare and second class fare (Mail and Express);
(d) If the ticket is for executive
class, the difference between the notified executive class fare for the
concerned section and first class fare (Mail and Express) for the concerned
distance of that section.
In
case of e-ticket, the online TDR shall be filed up to twenty hours of
actual arrival of the train at passenger’s destination and the original
certificate (GC/EFT) issued by the ticket checking staff (TTE) at the time of
journey is to be send to following address: through post: Group
General Manager/IT, Indian
Railway Catering and Tourism Corporation Ltd., Internet Ticketing Centre, IRCA
Building, State Entry Road, New Delhi – 110055.
In case of i-ticket, the original
certificate (GC/EFT) issued by the ticket checking staff (TTE) at the time of
journey is to be send to following address: through post: Group General Manager/IT,
Indian Railway Catering and
Tourism Corporation Ltd., Internet Ticketing Centre, IRCA Building, State Entry
Road, New Delhi – 110055
Refund will be processed
through TDR only after receiving the original certificate (GC/EFT). IRCTC will forward
the claim to Concerned Zonal Railways under whose jurisdiction the train
destination falls. After receipt of the refund amount from the said Railway,
refund amount will be credited back to same account of user through which
payment was made through opted payment Gateway.
10.
Refund of fare when passengers are made to travel in lower class for want of
accommodation:-
If
the ticket holder of a higher class is made to travel in a lower class for want
accommodation in the class for which the ticket was issued, refund of the
difference between the fare paid and the fare payable for the class in which it
is actually used.
In case of e-ticket, the online TDR
shall be filed within two days of the date of issue of the certificate
(excluding the day of issue of the certificate) and the original
certificate (GC/EFT) issued by the ticket checking staff (TTE) at the
time of journey is to be send to following address: through post: Group General Manager/IT, Indian
Railway Catering and Tourism
Corporation
Ltd., Internet Ticketing Centre, IRCA Building, State Entry Road, New Delhi –
110055.
In
case of i-ticket, the original certificate (GC/EFT) issued by
the ticket checking staff (TTE) at
the
time of journey is to be send to following address: through post: Group General Manager/IT,
Indian
Railway Catering and Tourism Corporation Ltd., Internet Ticketing Centre, IRCA
Building, State Entry Road, New Delhi – 110055.
Refund will be processed through TDR
only after receiving the original certificate (GC/EFT). IRCTC will forward the
claim to Concerned Zonal Railways under whose jurisdiction the train
destination falls. After receipt of the refund amount from the said Railway,
refund amount will be credited back to same account of user through which
payment was made through opted payment Gateway
11. TATKAL Tickets:-
(a)
No
refund of fare shall be admissible on confirmed Tatkal Tickets.
(b)
Grant
of refund for unused Cancellation Charges for RAC or Waitlisted Tickets as per
clause 2"
Cancellation
Charges
for RAC or Waitlisted Tickets"
(c)
In
case of party tatkal ticket or family tatkal ticket issued for travel for more
than one passenger, some passengers have confirmed reservation and others are
on waiting list, full refund of fare, less clerkage shall be admissible for
confirmed passengers also subject to the condition that entire tatkal ticket is
surrendered for cancellation up to thirty minutes before the scheduled
departure of the train
(d)
Grant
of refund in case of non-commencement or missing of journey due to late running
of train shall be governed by clause 6 " Train Running More than Three
hours Late and passenger not travelled".
(e)
Cancellation
of ticket where Railway administration is unable to provide accommodation shall
be governed by clause 7" Cancellation of tickets where railway
administration is unable to provide accommodation".
(f)
Refund
of fare on tatkal tickets when passengers are made to travel in lower class for
want of accommodation shall be governed by clause 10" Refund of
fare when passenger are made to travel in lower class for want of
accommodation" and the refund of difference between tatkal charges,
if any, shall also be granted.
Note: (1) Where confirmed
reservation has been provided to RAC or Waitlisted ticket holder at any time
upto final preparation of charts, such ticket shall be treated as
confirmed/partially confirmed and cancellation charges shall be payable as
applicable to confirmed/partially confirmed tickets.
12. Ticket booked in
Premium Special Trains
1. Cancellation
of CNF/RAC ticket booked in Premium Special Trains is not allowed. However,
ticket can be cancelled only if the train is cancelled. Refund will be granted
by PRS system as per extant Railway Refund Rules.
13. CANCELLATION OF
E-TICKETS
(1)
E-Ticket
can be cancelled online till preparation of charts and refund will be granted
by PRS system as per extant Railway Refund Rules.
(2)
After
preparation of charts, the user shall have to file online TDR for claiming
refund. The refund case will be decided by Railways. The TDR can be filed
by the same user who books the ticket. After receipt of the refund amount from
Railway, it shall be credited in the same account through which booking was
made through opted payment gateway.
(3)
No
refund shall be granted on partially confirmed E-Ticket against which none of
the passengers has travelled, if TDR is filed after 30 minutes before the
scheduled departure of the train.
(4)
No
refund shall be granted on Partial RAC/WAITLISTED TICKET against which none of
the passengers has travelled, if TDR is filed after 30 minutes before the
scheduled departure of the train.
(5)
No
refund will be granted in case of train running more than three hours late if
TDR is filled with this reason after actual departure of the train.
(6)
|
In case of party e-ticket or
family e-ticket issued for travel of more than one passenger,
|
some
|
|
passengers
have confirmed reservation and others are on the list of RAC or waiting list,
then in
|
case of
|
||
passengers
or RAC or waiting list not travelling, a certificate shall be obtained from
the ticket
|
checking
|
||
staff
to that effect and refund of fare shall be processed online through TDR,
|
indicating the details of
|
||
the certificate issued by ticket
checking staff and the online TDR shall be filed upto seventy two hours
original
certificate issued by
|
ticket
|
|
checking staff shall be sent
through post to Group General
|
Manager/IT,
Indian Railway Catering
|
|
and Tourism Corporation Ltd.,
Internet Ticketing Centre, IRCA
Building, State Entry
|
Road,
|
|
New Delhi – 110055.
|
|
|
(7) The cases in which TDR are filed
are decided by the Zonal Railway under whose jurisdiction the train destination
falls. After receipt of the refund amount from the said Railway, refund amount
will be credited back to same account through which payment was made through
opted payment Gateway.
(8) If customer is not able to cancel
through web interface before Chart Preparation, customers are requested to send
an email from the email ID to etickets@irctc.co.in from their registered e-mail
id with IRCTC.
14. E-Ticket TDR
Refund eligibility as per Railway Refund Rules:-
Please note that the decision
about the acceptance / rejection or amount of refund will be taken by the
concerned Zonal Railways as per extant Refund rules of Indian Railways and not
by IRCTC.
Sr.
|
TDR filing
Reason
|
Refund Eligibility
as per Railway
|
Refund
|
|
No.
|
Rules
|
|
|
|
|
|
|
||
|
|
|
|
|
|
|
Refund will be process
automatically w.e.f.
|
|
|
1
|
Train Cancelled.
|
01/07/2015
|
|
|
|
|
|
|
|
|
Train Late More Than Three
Hours and
|
TDR shall be filed before the
actual departure of the
|
|
|
2
|
train for availing full refund
|
|
|
|
Passenger Not Travelled.
|
|
|
||
|
|
|
|
|
|
|
|
|
|
|
|
TDR shall be filed within two
days of the date of
|
|
|
|
Difference Of Fare In Case
proper Coach
|
issue of the
certificate(excluding the day of issue of
|
|
|
3
|
Not Attached and passenger has
to travel
|
the certificate) and the
original certificate (GC/EFT)
|
|
|
|
in lower class
|
issued by
the ticket checking
staff is to
be sent
|
|
|
|
|
through post to IRCTC.
|
|
|
|
|
TDR shall be filed within
twenty hours of actual
|
|
|
4
|
AC Failure.
|
arrival of the train at
passenger’s destination and the
|
|
|
original certificate (GC/EFT) issued by the ticket
|
|
|||
|
|
|
||
|
|
checking staff is to be sent
through post to IRCTC.
|
|
|
|
|
TDR shall be filed upto seventy
two hours of actual
|
|
|
6
|
Excess fare Charged BY TTE.
|
arrival of the train at
passenger’s destination and the
|
|
|
original certificate (GC/EFT) issued by the ticket
|
|
|||
|
|
|
||
|
|
checking staff is to be sent
through post to IRCTC.
|
|
|
|
|
TDR shall be filed upto seventy
two hours of actual
|
|
|
7
|
Party Partially Travelled.
|
arrival of the train at
passenger’s destination and the
|
|
|
original certificate (GC/EFT) issued by the ticket
|
|
|||
|
|
|
||
|
|
checking staff is to be sent
through post to IRCTC.
|
|
|
|
|
No refund of
fare shall be admissible on the
|
|
|
8
|
Passenger Not Travelled.
|
ticket having
confirmed reservation
|
in case
|
|
|
|
ticket is not cancelled or TDR
not filed online
|
|
After Charting No Room Provided.
|
TDR
shall be filed
within three hours
of actual
|
|
|
departure of the train at
passengers Boarding station
|
|
||
|
|
|
|
|
|
|
|
|
|
TDR shall be filed within two
days of the date of
|
|
|
Difference
Of Fare As
Passenger
|
issue of the certificate(excluding the day of
issue of
|
|
19
|
the certificate) and the
original certificate (GC/EFT)
|
|
|
Travelled In Lower Class.
|
|
||
|
issued by
the ticket checking
staff is to
be sent
|
|
|
|
|
|
|
|
|
through post to IRCTC.
|
|
15. CANCELLATION OF I-TICKETS
(1)
The
tickets cannot be cancelled online.
(2)
In
case no facility of cancellation of RAC ticket or wait-listed ticket is
available at the station originating the journey for night trains leaving
between 2100 hours and 0600 hours (actual departure), the refund of fare shall
be admissible at the station within first two hours after the opening of
reservation office.
(3)
In
remote and hilly area as identified by the Zonal Railways, with the prior
approval of the General Manager and printed in the time table, for night trains
leaving between 1900 hours and 0600 hours (actual departure), the refund shall
be admissible at the station within first two hours after the opening of
reservation or booking office, in case there is no reservation counters or
booking office or current counters available in that area.
(4)
There
will be no refund in cash at the PRS counter. IRCTC will credit the refund
amount in the same account through which booking was made through opted payment
gateway.
(5)
In
case TDR has to be obtained for claiming refund, it will be obtained from the
Railway Station.
(6)
Prefer
the claim for refund to the following address attaching the original copy of
the Ticket Deposit Receipt and other documents/certificate etc.,
Group General Manager/IT, Indian Railway Catering
and Tourism Corporation Ltd., Internet Ticketing Centre, IRCA Building, State
Entry Road, New Delhi – 110055
(5)
The cases in which TDR are filed are decided by the Zonal Railway under whose
jurisdiction the TDR is issued. After receipt of the refund amount from the
said Railway, refund amount will be credited back to same account through which
payment was made through opted payment Gateway
16. TDR Filing for Agent:-
The
Authorized Agents of IRCTC cannot file TDRs online. They have to send a mail to
IRCTC for filing TDR. The customers who have to claim refund against the
tickets purchased through the Agents should approach to the concerned Agent for
filing TDR. It should be kept in mind the Railways decide refund cases as per
extent Railway Refund Rules. As such it should be ensure that the TDRs are
filed within the prescribed time limits.
Whenever
Agents receive such requests from their customers, they are required to send a
mail to IRCTC at nominated e-mail id, provided by IRCTC through their
registered e-mail id containing following details
within
prescribed time. If any TDR request is received at other than nominated email
id or from other than registered e mail id, IRCTC shall not be entertain the
same.
PNR:
|
|
|
|
Quota
|
Tatkal/General
|
|
|
|
|
|
|
|
|
Train No.
|
|
|
|
Journey Date
|
|
|
|
|
|
|
|
|
|
Partly/Fully Confirmed
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Sl No.
|
Passenger Name
|
|
Age
|
Sex
|
Reason for TDR
|
|
|
|
|
|
|
|
|
1.
|
|
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The
agent will obtain written request from the customer for refund for record
purpose as proof that the customer has preferred claim for refund.
The
cases in which TDR are filed are decided by the Zonal Railway under whose jurisdiction
the train destination falls. After receipt of the refund amount from the said
Railway, refund amount will be credited back to same account of the Agent
through which payment was made.
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