A GUIDE TO BZWBK24 SERVICES

Transcription

1 A GUIDE TO BZWBK24 SERVICES FOR BUSINESSES BZ WBK Bank Zachodni WBK S.A.

2 Convenient Online Banking for Businesses MY COMPANY Plus extended BZWBK24 package

3 A GUIDE TO BZWBK24 SERVICES FOR BUSINESSES BZ WBK Bank Zachodni WBK S.A.

4 Table of Contents Introduction... 7 Safe Use of Electronic Services... 8 Customer Identification Number (NIK)... 8 PIN Password... 8 Additional Password... 8 Authentication... 8 smscode... 9 Security Token... 9 Transaction limits... 9 Predefined Third-Party Accounts... 9 Predefined Own Accounts Encryption Blocked Access to Services Cancelling BZWBK24 Services Cancelling the Mobile Number Terminating Inactive Internet Sessions Registration of Activities Recording Phone Calls Internal Procedures User Guidelines Main Options of BZWBK24 Services BZWBK24 Telephone How to access the Bank? Structure of the BZWBK24 Service Menu How to view your account? How to transfer money between your own accounts? How to pay your bills? How to pay social security taxes (ZUS)? How to use the list of orders? How to cancel transactions with forward value date? How to start saving money? How to obtain information about your investments? How to obtain a fax with information? How to change the PIN password? BZWBK24 Internet How to enter the Bank? How to view Portfolio24? How to transfer money between own accounts? How to pay your bills? How to pay social security (ZUS) taxes? How to pay your taxes? How to make your money transfers easier? How to pay for an online transaction using Transfer24 service? How to make Transfer24? How to transfer money abroad? How to use the View orders option? How to use standing orders? How to start saving money? How to invest in Arka investment funds?... 30

5 How to check the value of registers in Arka investment funds? How to acquire investment fund participation units? How to sell the units? How to convert the units? How to define the redemption or conversion volume? How to view orders? How to top up your mobile phone? How to check the exchange rates? How to buy/ sell foreign currencies? On-line shopping How to change the PIN password? BZWBK24 wap How to enter the Bank? How to look at Portfolio 24? How to transfer money between own accounts? How to pay your bills? How to use Unreleased Orders? How to view orders? How to start saving money? How to check the exchange rates? How to change the PIN password? Technical information BZWBK24 sms How to enter the Bank? How to access your account? How to obtain information about investments? How to check the value of investment fund participation units? How to check the exchange rates? How to top up your mobile phone? How to change your PIN? My Company Plus How to register your company users? What kind of rights can be assigned to users? How to use the Administrator option? Portfolio24 in My Company Plus package How to make a transfer? Example: How to make a money transfer requiring two signatures? How to exchange data with other systems of the company? How to use order batching? How much do I pay for My Company Plus package? Alerts My Money Package How and when can I activate the Alerts24 service? How much do I pay for Alerts24 service? How to activate Alerts24 via the BZWBK Internet service? How to manage the settings of the Alerts24 service via BZWBK24 Internet? Tokens First activation of a token Using the token Change of the token PIN... 58

6 How to get help? BZWBK My Company Plus... 59

7 Introduction Recent years marked the emergence of new standards in the banking sector. The development of modern means of communication has completely changed our perception of banking services and the relationship between the bank and its clients. BZWBK was one of the first banks to realise the changes and offer a modern package of electronic banking services called BZWBK24. The growing number of businesses taking advantage of this offering indicates that our clients have learned to appreciate the comfort, safety and independence of the new forms of access to bank accounts - via the telephone, the mobile and the Internet. We appreciate the trust you have placed in us. Let us assure you that we will continue to do our best to make the management of your money even more convenient and pleasant. To this end, we are presenting to you a new edition of the Guide to BZWBK24 Services including the new options, functionalities and the additional package for corporate customers called My Company Plus. In 2005, the electronic services offered by Bank Zachodni WBK were awarded in a competition organised by Polskie Towarzystwo Handlowe Sp. z o.o. in the EUROSERVICE category for two service packages addressed to small and medium-size enterprises: BZWBK24 Standard and BZWBK24 My Company Plus.

8 Safe Use of Electronic Services Electronic banking is not only quick, cost-effective and convenient but also safe. However, each system is only as safe as its weakest link. The security foundations of the system are laid down jointly by the Bank and you, the user of our services. Below find the description of the safety aspects guaranteed by the Bank. In the following sections, the elements dependent on you and your employees are enumerated in the form of a list of recommendations. The safety of BZWBK24 services is ensured by: Customer Identification Number (NIK) A unique number assigned to each user of BZWBK24 services. The number consists of eight digits and, together with the PIN password, is used for authentication in the login process. The NIK number should never be revealed to any third parties except for authorised employees of the Bank. PIN Password The PIN password ensures exclusive access to selected BZWBK24 services and serves the purpose of authentication in the login process. You will receive your PIN password in a securely sealed envelope to make sure you are the only person who knows it. Different PIN passwords are used with different services. Depending on the service, the PIN password may consist of at least four digits for BZWBK24 telephone and BZWBK24 sms, at least four different characters for BZWBK24 wap and up to twenty characters for BZWBK24 Internet service. The PIN password for BZWBK24 Internet service must meet the following criteria: the password may not consist of letters or digits only; there cannot be three identical characters in the PIN password next to each other; the password may not contain the NIK number, part of the NIK number or NIK number written backwards; the new PIN may not be the same as the previous PIN; capital and lower case letters in the PIN password are differentiated. The PIN password should never be disclosed to other people! Additional Password Additional password is used for telephone authentication. The password is defined at activation of BZWBK24 services and is used for blocking or unblocking access to selected services. The additional password should never be disclosed to other people! Authentication The purpose of authentication is to check the identity of the user and his/her authorisation to access the system. The basic authentication procedure consists of entering the NIK number and the PIN password. It is a so called simple authentication sufficient to make use of passive services which do not result in changes in the account balance or to make transfers to predefined accounts. The more advanced authentication (so called strong authentication) involves the use of smscode or an additional cryptographic device called a security token.

9 smscode SmsCode is a safe, cost-effective and easy to use Internet transaction authentication method. The only thing you need is a regular mobile telephone. When making a money transfer via BZWBK24 Internet service, enter all the data in the transfer form and the system will automatically send a text message with the security code. The code has to be typed in the relevant field on the screen before final authorisation of the transaction. Each smscode message is unique and is active only for three minutes so that no unauthorised person can use it. SmsCodes offer the user unprecedented flexibility in managing the account. Using smscodes you can transfer your money to all bank accounts and increase the daily transaction value limit. In order to get access to the service, you need to sign an agreement at one of our branches and specify the mobile number you will be using for authorisation. Remember to cancel the service if you happen to lose your mobile. Security Token A security token is a miniature encrypting device with a functionality similar to that of smscode. Tokens generate single-use, unique codes which are used as a kind of an electronic signature in authorising transactions in BZWBK24 Internet and BZWBK24 wap. To activate the token you need to key in a special five-digit PIN password to prevent unauthorised persons from using it. By means of a token you can authorise transfer orders to any accounts and add new entries to the list of beneficiaries to avoid manual completion of the transfer order form each time you transfer money. Since tokens enhance the security of transactions, the daily transaction value limit can be increased. When a wrong token PIN password is entered three times the token is automatically blocked. To unblock it, you need to call the BZWBK24 Advisors Team (061) or visit any of the Bank s branches. Tokens are also issued to the users of Investor Online, a service offered by the brokerage House of Bank Zachodni WBK. The same tokens can be used for BZWBK24 Internet and BZWBK24 wap services. Transaction limits Upon activation of BZWBK24 services, a daily transaction limit is set i.e. the maximum amount of money which you can transfer to third-party accounts on one day. The limit applies to all services in the package excluding transfers to own accounts and operations on deposits. You can also set a separate limit for transactions secured and unsecured by smscodes and/or token. If you are using smscode or a token you can set a higher limit for transfers to third-party accounts. An additional monthly limit is set for prepaid phone top-ups via BZWBK24 sms service. Predefined Third-Party Accounts If you are not using smscode or token authorisation, you can only make electronic money transfers to predefined third-party accounts. This restriction is imposed by reasons of safety, to guarantee that your money can only be transferred to third-party accounts predefined by you. When signing the agreement for BZWBK24 electronic banking services, you can predefine up to nine different third-party accounts, with a payment type assigned to each of them to facilitate submission of transfer orders. The predefined accounts may belong to your suppliers, the power supplier, telephone operators or any other institutions, businesses or individuals selected by you. You can modify the list of predefined beneficiary accounts personally by visiting one of the Bank s branches, over the phone at (061) or via

10 the Internet, using the option Beneficiaries and authorising the modification by means of an smscode or a token. The possibility of making money transfers to any third-party accounts is available to the users of tokens via BZWBK24 Internet and BZWBK24 wap services and the users of smscodes via BZWBK24 Internet. Predefined Own Accounts Each of our clients may have more than one account, however, when signing the BZWBK24 agreement for electronic banking services, you may decide that only some of them will be operated under the BZWBK24 package. Other accounts may be managed in a traditional way. The BZWBK24 telephone service and BZWBK24 sms service offer access to information only about the predefined own accounts, while information about all accounts is available in BZWBK24 Internet and BZWBK24 wap. Encryption Encryption is used for the purpose of data transmission and archiving. In BZWBK24 Internet and BZWBK24 wap, we are currently using the most reliable and the strongest SSL encryption with 128-bit keys and a certificate provided by VeriSign Inc. When the certificate is used, the address displayed by the web browser starts with instead of the regular When using the Internet, you can check the certificate by double-clicking the padlock symbol in the lower right hand corner of the screen and reading the information in the General and Details tabs. You should make sure that the certificate has been issued to and check the validity dates. You can also check the certification path (Certification Path tab) which should be as follows: VeriSign Class 3 Public Primary CA o Incorp. by Ref. LIABILITY LTD. (c) 97 VeriSign Blocked Access to Services When wrong authentication data are entered three times in a row upon logging onto the system, access to the services will be automatically blocked. To unblock it, you must call the BZWBK24 Advisors Team at (061) and go through the telephone authentication procedure including the additional password. All components of the BZWBK24 package can be blocked or selected services only. Cancelling BZWBK24 Services You can cancel one or more services from the BZWBK24 package. This procedure should be used only in justified circumstances since reactivation of cancelled services requires generation of new PIN passwords. Cancelled services can be reactivated at any of the Bank s branches. Cancelling the Mobile Number You can also cancel the mobile number provided to the Bank which is used for customer authentication and authorisation of transaction orders. This procedure is required when the phone is lost, damaged or in other similar circumstances. To cancel the mobile number call the BZWBK24 Electronic Advisors Team (061) or visit any of the Bank s branches.

11 Terminating Inactive Internet Sessions After 10 minutes of continuous inactivity, you will be automatically logged out of the transaction service and the system will redirect you to the log-in page. Registration of Activities The system automatically records all user activities during an Internet session (e.g. login attempts, review of account history, making a money transfer, etc.) and other information such as the certificate, IP address or telephone number of the user. Recording Phone Calls All phone calls to the Advisors Team at (061) are recorded. The recordings may be used as evidence of orders and instructions placed. Internal Procedures Bank Zachodni WBK S.A. has implemented rigorous operating procedures to ensure protection of personal and financial data. The procedures also cover response to emergency situations. User Guidelines 1. Protection of NIK and PIN Keep your PIN passwords, NIK numbers etc. confidential. Do not reveal your PIN passwords even to the Bank staff. If you suspect that your PIN password may have been disclosed, change the password immediately or cancel the service by visiting the nearest Bank branch or calling the BZWBK24 Advisors Team. Do not use the same PINs for various services (e.g. BZWBK24 Internet, BZWBK24 Telephone or the payment cards). If you feel you have to write down your NIK or PIN number, do it in such a way as to prevent an unauthorised person from identifying the data. Change your passwords regularly e.g. once a month. 2. Logging to the BZWBK24 Internet Service Log into the service from the BZWBK website ( or directly from the transactional service by entering the correct address in the address line of the web browser. Never use an address or a link ed to you by another person to log on to the system. Before logging in, make sure the address in the address line of the web browser starts with https and not http. Make sure a padlock symbol denoting an encrypted session appears at the bottom of the screen.

12 If you find a padlock symbol, double-click on it to check whether the displayed certificate is valid and whether it has been issued to Bank Zachodni WBK for the Internet address If the padlock system is invisible or if the certificate has been issued for another address, do not use the service and do not enter your NIK and PIN numbers. Immediately contact the BZWBK24 Advisors Team (061) If you have a token or if you use smscodes you can change the login procedure and enhance the security of your money by an additional instrument. You can do it while logged into the service (option Settings Login).The next login to BZWBK24 Internet service will be a two-step process. You will first be requested to enter your PIN and NIK numbers and in the second step you will key in the smscode or the number generated by the token. When logging in, the NIK number and the PIN password are entered in two consecutive steps (two different screens). Each PIN character is entered in a separate field. You can also enter PIN using the keyboard on the screen. 3. Using BZWBK24 Internet Service In the transaction service, use only one web browser window at a time. When operating the service, do not use the web browser navigation keys (such as Back, Next, Refresh or Stop). The transaction service has its own keys and links which ensure convenient and safe navigation around the website. Make use of smscodes or tokens to achieve the highest security level offered by the Bank. If you are disconnected from the transaction service (e.g. by the telephone operator), log into the service again and check whether the system saved your last orders. When you have finished working with the transaction service or when you need to leave your computer unattended you must first log out of the transaction service using the Logout option available in the main menu. 4. Using BZWBK24 Wap Service After making operations on your account, check whether you find them on the list of released orders. If you are disconnected or errors occur during processing of the operation, check whether the operation has been saved under Released Orders. It is possible that right after making the operation, your mobile will not be showing updated data. If so, log into the service once again from the home page. Standard WAP connections use port However, connections to banking services should, for reasons of safety, be made using port 9203 which enables encryption of the data. In mobile telephones which do not have a port number option, like Nokia, for example, Encrypted Connection option must be set. Other settings should be made in accordance with the recommendations of the telephone operators. Note: Data transmission starts from defining the encryption key. The process is initiated automatically for connections using port Different mobile telephones have different ways of informing the user about encrypted connection. Some require a two-step acceptance of encryption, however, in the majority of mobile phones the encryption key is defined only during the first connection to the service. Subsequently, the same key is used. If you have any problems with WAP connections, contact the customer service of your mobile operator.

13 5. Other Guidelines Use the recommended web browser settings described on the Bank s website. Follow the recommendations of the operating system and web browser manufacturers and install the recommended updates of your software. Use regularly updated anti-virus software at all times. Install a personal firewall. Firewall is a security system which defends your computer against unauthorised internal or external access and protects information about the user and the resources stored on the computer. Do not access electronic banking services in public places, such as Internet cafes. The software used in such places can be configured or modified in such a way that data of the users are captured without their consent. Do not open or execute programs or files from unknown sources. Use only legal software. Use a token or smscode for login to ensure additional security. If you use those instruments to authorise money transfers, you can also employ them as additional keys upon login. Activate the Alerts24 service to receive current information from the Bank about the operations on your account in the form of s or text messages. If you need help, you can always (24 hours 7 days a week) contact the BZWBK24 Advisors Team at (061) or report your problem by electronic mail sent to pomoc24@bzwbk.pl. Inform the Bank immediately about any suspicious situations. You can do it at any time by calling us at (061) or by visiting any of the Bank s outlets. Main Options of BZWBK24 Services (as at 1 November 2006) The summary presented below includes additionally the services available in the Bank s ATM network to cover the whole range of options of automatic access to your bank accounts. + - option available - - option unavailable 1 - maximum 9 accounts 2 - available only to customers using tokens or smscodes 3 - available from a free of charge Infoline at archival exchange rates are also available * - function not available in My Company Plus package

14 Options BZWBK24 BZWBK24 BZWBK24 BZWBK24 Internet Telephone wap Sms Checking the account balance Cash withdrawal Detailed information about the account History of operations estatement Transfers between own PLN accounts + +* +* - - Transfers to 3 rd party accounts predefined 1 +* +* +* - - Transfers to 3 rd party accounts undefined * - - Transfers to ZUS account + +* Transfers taxes Prepaid phone top-ups * + Release and repayment of a revolving loan Standing orders Unreleased orders Orders with forward value dates Cancelling orders with forward value dates FX transfers between own accounts Payment instruction Opening PLN and FX deposits + +* +* - - Terminating PLN and FX deposits + +* +* - - List of Internet, phone and wap orders + +* +* - - Checking ARKA Funds registers* +* +* - +* - Orders re. ARKA Funds registers* +* Change of the PIN password Exchange rates Faxing account balance information Demo version of the service* Ordering paper confirmations of transactions ATMs

15 BZWBK24 Telephone By signing the BZWBK24 electronic banking agreement, you are also getting an easy and quick access to your account over the telephone, both regular and mobile. Since BZWBK24 Telephone is a fully automatic service, you are not talking to a consultant but listen to prerecorded voice messages and place your instructions using the telephone keys. The impressive range of functionalities offered by this service covers: account balance information and detailed information about up to nine operated accounts (current accounts and term deposit accounts) history of operations on the accounts (last 10 operations or selected operations from the last 6 months searched by date) money transfer orders to own accounts or 3 rd party accounts (including social security ZUS transfers) opening and terminating term deposits checking the list of orders and instructions placed (unreleased and rejected) information about exchange rates change of the PIN password ordering faxes with information about the account (account balance and last 10 operations) predefining new accounts and changing other settings information about ARKA Funds registers (value, history) ordering faxes with information about the current status of ARKA Funds registers How to access the Bank? To use the BZWBK24 Telephone service you need a regular telephone with tone dialling. The dialling mode switch is usually located on the side of the telephone set (Pulse/ Tone or P/T symbol). Set the switch to Tone (T). The telephone service for institutional clients is available at: (061) When you connect to the service, you will be requested to enter your NIK number by pressing the appropriate telephone keys. Afterwards, the system will request you to enter two haphazardly selected digits of your PIN password. Example: Your NIK number is and your PIN is Telephone: Please enter your personal NIK number. Customer: Key in Telephone: Please enter the third digit of your PIN password. Customer: Key in 2. Telephone: Please enter the first digit of your PIN password. Customer: Key in 5.

16 Structure of the BZWBK24 Service Menu Customer identification (entering the NIK number and two out of four digits of the PIN password). Selection of the account. 1 account balance 2 history of operations 1 last 10 operations 2 search for a specific operation by date 3 transfer of money to own account 4 transfer of money to a 3 rd party account 1 transfers to predefined accounts 2 transfers to ZUS accounts 5 deposits 1 opening a new deposit 2 information about deposits 3 terminating a deposit 6 ARKA Funds 7 list of orders 1 transactions in progress 2 unexecuted transactions 3 transactions with a forward value date 4 - cancelling an order with a forward value date 8 change of the PIN password 9 faxing information 0 information and help * - selecting another account How to view your account? Account Balance Go through the identification procedure by entering your NIK and PIN numbers. Select the account in question (if you have predefined more than one own account) Choose the Account balance option 1. In this option, you can also get detailed information about the selected account and information about balances of other accounts. History Last ten operations on your account Go through the identification procedure by entering your NIK and PIN numbers. Select the account in question (if you have predefined more than one own account) Choose the History of operations option 2. Choose the Last ten operations option 1.

17 Search an operation by date Go through the identification procedure by entering your NIK and PIN numbers. Select the account in question (if you have predefined more than one own account) Choose the History of operations option 2. Choose the Search transaction by date option 2. Enter the relevant date in the dd-mm-yyyy format. Example: You want information about transactions executed on 5 January, 2004 Telephone: Please enter the day of the month in a two-digit format. Customer: Key in 05. Telephone: Please enter the month in a two-digit format. Customer: Key in 01. Telephone: Please enter the year in a four digits format. Customer: Key in How to transfer money between your own accounts? Go through the identification procedure by entering your NIK and PIN numbers. Select the account in question (if you have predefined more than one own account) Choose the option Transfer to own account 3. Select the account from which you want to transfer money (if you have predefined more than one account which can be debited). Select the account to which the money will be transferred. Enter the amount to be transferred. Example: You want to make a transfer of PLN Telephone: Please enter the amount of Polish zlotys to be transferred and press #. Customer: Key in 134. Telephone: Please enter the amount of groshes in a two-digit format. Customer: Key in 06. Press 1 if the transfer order is to be executed instantly or 2 to set a forward value date. Press 1 to confirm your order or * to cancel your order. After confirming your order, enter the two requested digits of your four-digit PIN password. How to pay your bills? The BZWBK24 Telephone service offers a possibility of transferring money to 3 rd party accounts predefined at the Bank s branch (maximum nine accounts). Go through the identification procedure by entering your NIK and PIN numbers. Select the account in question (if you have predefined more than one own account) Choose the option Transfer to 3 rd party account 4. Select 1 to make a money transfer to predefined accounts. Select the account from which you want to transfer money (if you have predefined more than one account which can be debited). Define the 3 rd party account to which the money will be transferred by choosing the relevant payment type. Enter the amount to be transferred.

18 Press 1 if the transfer order is to be executed instantly or 2 to set a forward value date. Confirm your order and enter the two requested digits of your four-digit PIN password. Example: You want to pay your rent. You are selecting a source account i.e. a current account held with the 1 st Branch of Bank Zachodni WBK S.A. in Poznań. When signing the agreement for BZWBK24 electronic banking services, you predefined the account of your housing cooperative and assigned a payment type rent to it (you can also do it later via BZWBK24 Internet service if you use smscodes or a token. Telephone: Please choose the payment type from the list of predefined bills, for example: - Electricity 1 - Gas 2 - Rent 3 - Tuition - 4 Customer: Press 3. Now you can enter the amount of money to be transferred. Your order will be accepted after entering the two requested digits of your PIN password. How to pay social security taxes (ZUS)? The BZWBK24 Telephone service offers a simple and easy to use possibility of paying ZUS taxes because the system makes use of automatic parameters such as the NIP number and the abbreviated name of the payer. You have to predefine the necessary parameters at the Bank s branch or using the BZWBK24 Internet service. Go through the identification procedure by entering your NIK and PIN numbers. Select the account in question (if you have predefined more than one own account) Choose the option Transfer to 3 rd party account 4. Select 2 to make a Transfer to ZUS accounts. Select the account from which you want to transfer money (if you have predefined more than one account which can be debited). Define the type of tax which you want to pay. Enter the data required to make the transfer Enter the amount to be transferred. Press 1 if the transfer order is to be executed instantly or 2 to set a forward value date. Confirm your order and enter the two requested digits of your four-digit PIN password. Note: each executed money transfer to 3 rd party accounts reduces the value of the daily transaction limit. How to use the list of orders? Go through the identification procedure by entering your NIK and PIN numbers. Select the account in question (if you have predefined more than one own account) Choose the option List of orders 7. Select option 1 Transactions in progress, option 2 Unrealised transactions or option 3 Transactions with a forward value date. If you have placed more than five orders press 1 to listen to the remaining transactions. To end listening to the list of orders press *.

19 How to cancel transactions with forward value date? Before the execution date of a transaction, you can cancel the order placed. Go through the identification procedure by entering your NIK and PIN numbers. Select the account in question (if you have predefined more than one own account) Choose the option List of orders 7. Select option Cancelling transactions with a forward value date. Select the transaction to be cancelled. Press 1 to cancel your order or 2 to return to the previous menu. If you want to interrupt the operation, press *. Enter the two requested digits of your four-digit PIN password. How to start saving money? Opening a deposit Go through the identification procedure by entering your NIK and PIN numbers. Select the account in question (if you have predefined more than one own account) Choose the option Deposits 5. Select option 1 Opening of a new deposit Select the account from which you want to transfer money (if you have predefined more than one account which can be debited). Select the appropriate deposit type. Select the interest type (1 variable or 2 fixed) Specify the term of the deposit *. Enter the amount of the deposit. Press 1 to confirm or * to cancel your order. Enter the two requested digits of your four-digit PIN password. Note: Interest type and deposit term are selected only for term deposits. Information about deposits Go through the identification procedure by entering your NIK and PIN numbers. Select the account in question (if you have predefined more than one own account) Choose option 5 Deposits. Select option 2 Information about deposits. If you have more than five deposits press 1 to listen to the remaining list items. To end listening to the list of orders press *. Terminating a deposit Go through the identification procedure by entering your NIK and PIN numbers. Select the account in question (if you have predefined more than one own account) Choose option 5 Deposits. Select option 3 Terminating a deposit. Select the deposit which you want to terminate. In order to terminate the deposit press 1 or pass on to the next deposit by pressing 2. Select the account to which the money from the terminated deposit will be transferred (if you have predefined more than one account which can be credited) Press 1 to confirm the order to terminate the deposit or * to cancel your order. Enter the two requested digits of your four-digit PIN password.

20 How to obtain information about your investments? Using the BZWBK24 Telephone service you can obtain information about the ARKA Funds registers or order a fax with such information: Register Value Go through the identification procedure by entering your NIK and PIN numbers. Select the account in question (if you have predefined more than one own account). Choose option 6 Arka Funds. Choose one of the funds. Choose one of the registers for the fund selected in the previous step. Choose option 1 Register value. History Go through the identification procedure by entering your NIK and PIN numbers. Select the account in question (if you have predefined more than one own account). Choose option 6 Arka Funds. Choose one of the funds. Choose one of the registers for the fund selected in the previous step. Choose option 2 Last 10 operations Fax with information about the register Go through the identification procedure by entering your NIK and PIN numbers. Select the account in question (if you have predefined more than one own account). Choose option 6 Arka Funds. Choose one of the funds. Choose one of the registers for the fund selected in the previous step. Choose option 9 Faxing information. How to obtain a fax with information? Go through the identification procedure by entering your NIK and PIN numbers. Select the account for which you want to receive faxed information (if you have predefined more than one own account). Choose option 9 Faxing information. Turn on your fax machine. Note: The fax has machine has to be set to a tone mode. How to change the PIN password? Go through the identification procedure by entering your NIK and PIN numbers. Select the account in question (if you have predefined more than one own account). Choose option 8 Change of the PIN password Enter the old PIN. Enter the new PIN. Confirm the new PIN.

21 BZWBK24 Internet BZWBK24 Internet is a service which offers quick and easy access to bank accounts using a personal computer connected to the Internet. This service ensures the most comprehensive access to information about your company accounts and the broadest range of functionalities within the BZWBK24 package. Using BZWBK24 Internet you can: obtain account balance information and detailed information about all operated current accounts and term deposit accounts look at the history of operations on your own accounts during the last 6 months. make money transfers to your own accounts or 3 rd party accounts (including ZUS and tax authorities accounts) make safe payments for transactions with selected Internet stores thanks to the Transfer24 service top up the account of your prepaid mobile phone place order to transfer money to FX accounts in foreign banks open and terminate a deposit (PLN or FX) find information about exchange rates change your PIN password manage the list of beneficiaries (only for users of smscodes or tokens) change the telephone number from which prepaid mobile phones can be topped up using the BZWBK24 sms service (only for users of smscodes or tokens) place, modify and cancel standing orders for money transfers to 3 rd party accounts obtain information about ARKA Funds registers (value, history and detailed data) place instructions concerning ARKA Funds registers manage the functionalities and settings of Alerts24 service How to enter the Bank? In order to use the BZWBK24 Internet service, you will need a computer or another hardware with access to the Internet and a web browser. If you want to make money transfers to undefined 3 rd party accounts you will also need a token or smscodes. In order to use the service you need to log into it from the Internet portal or directly from the transactional service page On the log-in page you can choose the Polish language or the English language version of the service. The login procedure consists of entering and accepting the NIK number and the PIN password. If you use a secure, two-step login procedure, you will be requested in the next step to confirm login by means of a token or an smscode. After login, the main menu with all available options will be displayed on the left hand side of the screen and will remain visible at all times when using the service. Thanks to this solution, you will be able to navigate to any option at any point in time and from any screen. If you use a secure, two-step login procedure, you will be requested in the next step to confirm login by means of a token or an smscode.

22 How to view Portfolio24? Account balances After login, a page will be displayed with the list of all your accounts, their current balances and dates of the last operations. You will find information about your accounts under the options Portfolio24 and Deposits. History Select the account in question in the table of accounts. Choose the History option and click the Select button. By default, the history of operations is displayed in tables containing 10 items each. In the Settings Profile option, there is a possibility of customising the number of items displayed at a time. The available history options include 10, 20, 50 or 100 operations displayed on one screen. To view the history, use the Previous and Next buttons or the menu at the bottom of the history screen. The menu enables searching for transactions executed within a specific time range. You can also print off a selected transaction, if you wish. If you are interested in the counterparty of the transaction i.e. a person or the company who transferred the money to your account, click on the description of the transaction selected from the list. After passing on to detailed information about the transaction, you can also order paper confirmation of the transaction which is generated by the Bank and sent by regular mail to the client. The paper confirmation of the transaction is stamped and signed manually by the Bank s staff. A fee in accordance with the Schedule of Fees and Charges is charged for generating paper confirmation of a transaction. estatement The statements available under this option can be viewed in the electronic format (HTML or PDF), printed off or, alternatively, the data about displayed transactions can be converted into a CSV file. Additionally, a template is made available to facilitate quick upload into an Excel spreadsheet of account statement data from a CSV file downloaded and saved on the hard drive. The generated account statement remains on the Internet for 35 days. estatements are available for all types of accounts for which an instruction to generate electronic or paper statements was placed in the Bank s branch.

23 Detailed Information Depending on the account type, the following details are presented: Current account Account balance Available funds Currency Interest rate Date of last transaction Date of last capitalisation Date of next capitalisation Credit limit Credit limit expiry Date of opening a deposit Start date of the deposit Date of interest availability Term deposit Account balance Currency Deposit period Current interest rate Type of interest Capitalisation Renewal Date of last capitalisation Date of next capitalisation Loan account Loan amount Loan principal balance Currency Interest rate Current interest Loan repayment date Last operation date Disbursement date Next instalment date Current payment date Next statement date Select the account in question in the table of accounts Choose Details option and click on the Select button How to transfer money between own accounts? Select the option PLN transfers To own account from the main menu. Select the account from which you want to transfer money. Select the account to which you want to transfer money. Enter the amount to be transferred. Enter the transfer description. Enter the transfer value date and click on the Accept button. Note: If you want to make your transfer on the same day or on the following business day, do not fill in the value date field.

24 How to pay your bills? The BZWBK24 Internet service offers the broadest range of options to manage your money. In addition to money transfers between own accounts and predefined accounts you can transfer money to any other 3 rd party accounts. To do it, you have to use smscodes or a token. If you do not use smscodes or a token, the procedure is as follows: Select the option PLN transfers To 3 rd party accounts from the main menu. Select the account from which you want to transfer money. Select the account to which you want to transfer money. Enter the address data of the transfer beneficiary. Enter the amount to be transferred. Enter the transfer description. Enter the transfer value date and click on the Accept button. Note: If you want to make your transfer on the same day or on the following business day, do not fill in the value date field. On the following screen click on the Accept button. If you use smscodes or a token, the procedure is as follows: Select the option PLN transfers To 3 rd party accounts from the main menu. Select the account from which you want to transfer money. Select the account to which you want to transfer money. Enter the address data of the transfer beneficiary. Enter the amount to be transferred. Enter the transfer description. Enter the transfer value date and click on the Accept button. Note: If you want to make your transfer on the same day or on the following business day, do not fill in the value date field. If you use smscodes, the system will automatically send you the code after pressing the Accept button. If you use a token, enter into the token a number displayed in the field Challenge for token. In the field Enter token response/ Enter smscode type in the number displayed on the token/ mobile phone screen. Click on the Accept button. Note: Money transfer orders can be placed with a forward value date (maximum 60 days). All orders can be displayed under the option Released orders View Orders. In the case of orders with a forward value date, the date specified is considered as the order issue date. Transactions with a forward value date can be cancelled using the option Released orders Cancel orders. How to pay social security (ZUS) taxes? If you want to pay ZUS taxes, use the option PLN transfers To ZUS accounts. You can select between three national account numbers. All fields of the order form have to be completed in accordance with the recommendations of ZUS.

25 How to pay your taxes? If you want to pay your tax to the account of the tax authorities (e.g. Tax Office), use the option PLN transfers Taxes. If you are not using smscodes or a token, you can choose only from the list of predefined accounts of the tax authorities. All fields of the order form have to be completed in accordance with the recommendations for this type of payment. How to make your money transfers easier? List of beneficiaries Using the option Settings Beneficiaries, you can easily create a database of money transfer beneficiaries. Entries on the list of Beneficiaries are displayed in the alphabetical order by beneficiary s name. By default, the beneficiaries are displayed in tables containing 10 items each. In the Settings Profile option, there is a possibility of customising the number of items displayed at a time. The options available for the list of beneficiaries include 10, 20, 50 or 100 entries displayed on one screen. To view the list, use the Previous and Next buttons. To find a specific beneficiary, enter the first letters of the beneficiary s name and click on the Search button. The beneficiary search option is also available on the page Transfers to 3 rd party accounts. If you are using smscodes or a token, you can define 3 rd party accounts for BZWBK24 Telephone service, marked on the list of beneficiaries as Accounts available via phone The following options can be used to manage the list of beneficiaries: Insert into transfer Insert into Taxes Insert into Standing Order Modify Add Add Tax Office Delete Details Display all Display available via phone Display Tax Offices If you want to add or modify an entry on the list, you have to complete the following fields: Name, Account number, Street and City/Town. Changes in the list of beneficiaries have to be confirmed by means of a token or an smscode. You can assign abbreviated names (up to 20 characters) to the counterparties entered on the list of beneficiaries and then use the name for quicker completion of the transfer order forms. List of payers When making traditional money transfers to ZUS or tax office accounts, you have to enter the payer data each time. In the BZWBK24 Internet service you can use the option Insert payer to automatically enter a predefined set of parameters into the transfer order (the populated fields can then be edited). The list of payers can be defined using the option Settings Payers.

26 Unreleased orders The Unreleased orders option offers the possibility of preparing in advance up to twenty orders. Orders stored here can be supplemented, amended or modified and then released at one time or one by one. Unreleased orders can be used with transfers to predefined accounts and transfers requiring authorisation by smscode or a token. In the latter case, the whole package of transfers can be released using one batch authorisation by smscode or a token. Unreleased orders may include orders of transfers to 3 rd party, ZUS and tax office accounts but cannot be used with transfers to own accounts, standing orders, opening or terminating deposits and FX transfers. New order The New order option (available for selected transaction types, in the main menu under Unreleased orders) and the New order button (available under View orders for selected transaction types) make it possible to create a new order based on the data copied from an earlier order. Information about the payer account, the beneficiary data and account number will be transferred. This functionality is available to customers using smscodes or tokens. How to pay for an online transaction using Transfer24 service? Users of BZWBK24 electronic banking services can make payments for transactions in selected Internet stores using the Transfer24 service. Transfer24 is one of the most modern Internet payment systems. It is safe, cost-effective and convenient: NIK and PIN numbers and the account balance are not visible to the Internet store Money transfer transactions are executed using the secure, encrypted SSL protocol. We work only with credible partners. The Bank charges no fee for Transfer24 service. How to make Transfer24? After choosing the products which you want to buy from an Internet store, a screen will appear on which you have to define the preferred payment method. Select Transfer24. You will then be redirected to BZWBK24 Internet login page with information Log-in to the Internet payment system Transfer24. Key in and accept the NIK and PIN numbers to BZWBK24 Internet service. When the populated transfer order page appears (amount, transfer beneficiary, operation description), click on the Accept button. If you use smscodes, the system will automatically send you the code after pressing the Accept button. If you use a token, enter the number displayed in the field Challenge for token into the token. In the field Enter token response/ Enter smscode type in the number displayed on the token/ mobile phone screen. Click on the Accept button. Note: If the Internet store account is one of the predefined accounts, the transfer does not need to be authorised by means of a token or an smscode. How to transfer money abroad? The BZWBK24 Internet service additionally offers the option FX transfers - Payment orders which can be used to make FX transfers to accounts in foreign banks. Such transfers, also referred to as international payment orders, are made via the interbank communication system called SWIFT. This service is available only to customers using smscodes or tokens.

27 Terms and restrictions A single transfer may not be higher than EUR 10,000 (or its equivalent)* The minimum transfer value is PLN 50 (or its equivalent)* The amount of money to be transferred can be denominated in PLN, EUR, USD, GBP or CHF. The list of countries to which payment orders can be made is restricted to member states of the European Union and OECD. Transfers can be made from accounts held in PLN and convertible currencies. Transfers are subject to the daily transaction limit for transfers to 3 rd party accounts (after conversion) and, in the case of businesses, also to single transaction value limits (after conversion). For the purpose of currency conversion when making FX transfers, the buy/sell rates are used. FX transfer orders cannot be placed with forward value dates (with the exception of a situation when the debited account and the amount to be transferred are in the same currency). Transfers cannot be saved under unreleased orders. * The above specified limits are subject to changes. Currently applicable limits can be found at Entering data in the transfer order form Currency choose the currency of the money transfer. Dr amount/ Cr amount type in the amount to be transferred in one of the fields. The system will automatically calculate and display the other amount using the Bank s table of exchange rates. Description choose the first part of the description from a drop-down list. Description contd. enter the second part of the FX transfer description. Costs covered by from the drop-down list choose the party who will cover the fees and charges of the Bank and/ or the foreign bank. Sender means that you will cover all fees and charges Sender and Beneficiary means that you will cover the fees and charges of the Bank and the beneficiary will cover the fees and charges of the foreign bank. Beneficiary means that the beneficiary will cover all fees and charges which will be deducted from the amount of money transferred. Selecting the beneficiary s bank If you know the SWIFT code of the beneficiary s bank, type it in the BIC field. Otherwise, choose from the list the Country and the City/Town in which the beneficiary s bank is located and click on the Search button. If the displayed bank data are correct, click on the Accept button to pass on the to the final confirmation of the transaction. If not, select another bank from the list displayed. If the bank data displayed are not correct or you don t know the SWIFT code of the beneficiary s bank, you can search for it after completing the following fields: Country select the country in which the beneficiary s bank is located (mandatory) City/Town type in the city/ town in which the beneficiary s bank is located Name type in the name of the beneficiary s bank Branch no. type in the branch number of the beneficiary s bank Accepting the order A statement will be displayed on the screen which needs to be accepted before confirming your transaction. To do it, select the appropriate box by the text. The payment order