Welcome to the online bank! We re always open.

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1 Your guide to the online bank Welcome to the online bank! We re always open. swedbank.se Art nr: Do you need any help? Call online bank customer services on , daily between 07:00 and 23:00. Do you need any help? Call online bank customer services on , daily between 07:00 and 23:00.

2 Welcome to the online bank! We re always open, so you can do your banking when it suits you best. All you need is a computer with an internet connection and your personal log-in details. The online bank is within the bank s firewalls our digital security system. All the information sent to and from your computer is encrypted so that unauthorised parties cannot gain access to it. This guide will show you how to log in to the online bank, pay bills and transfer money. You will also find tips about other useful functions, but there is not enough room to include everything you can do using the online bank in this guide. Spend some time exploring the possibilities yourself. It will be time well spent! Contents Visit the online bank page Bill payments page Transfers page 8 Do things your way page 10 More useful functions page 12 Help is at hand page 1

3 Visit the online bank what to do To access the online bank, you need to identify yourself using your security token, BankID on card, BankID in mobile or a personal code. 1 1 Go to swedbank.se. Click on Logga in ( Log in ) in the top right-hand corner. Log in using your security token Log in using your security token Log in using BankID on card 2 2 Enter your Swedish personal number and select Säkerhetsdosa ( Security token ) from the Logga in med ( Log in using ) list. Click on Fortsätt ( Continue ). Enter your Swedisch personal number and select BankID på kort ( BankID on card ) from the Logga in med ( Log in using ) list. Click on Fortsätt ( Continue ). 3 Turn on your security token using the arrow key. Enter your personal PIN code. APPLI will now be shown in the window. Enter the digit 1. Insert your card into the card reader. Enter your Swedish personal number in the box and select the BankID på kort ( BankID on card ) option. 3 There are a number of different models of security token. They all have an arrow key in the bottom right-hand corner. A random code will now be shown in the window, which you should enter into the one-time code field in the online bank. Click on Fortsätt ( Continue ). Click on Fortsätt ( Continue ) and follow the instructions. Logging in with a personal code If you only want to check your balances or make transfers between your own Swedbank accounts, you can instead log in using your six digit personal code. In this case, choose Personlig kod ( Personal code ) instead from the Logga in med ( Log in using ) list. You can request a personal code from the Home Page under Tillval/Beställ personlig kod ( Options/Request personal code ). Remember that your security token, BankID on card and BankID in mobile are forms of identification. They should be kept in a safe place. Do you need any help? Call online bank customer services on , daily between 07:00 and 23:00. Do you need any help? Call online bank customer services on , daily between 07:00 and 23:00.

4 Bill payments what to do 1 Go in under Betala/Överföra ( Pay/Transfer ). Select Bg/Pg-betalningar ( BG/PG payments ). Enter the details under Från ( From ). The first time you make a payment to a new recipient, enter the BankGiro or Plusgiro number under Lägg till ny mottagare ( Add new recipient ). Then fill in the payment details: amount, due date and OCR or message. 1 2 Click on Lägg till ( Add ). Approve new recipient and payment using your security token Approve new recipient and payment using BankID on card 3 Turn on your security token using the arrow key. Enter your personal PIN code. APPLI will now be shown in the window. Enter the digit 2. Enter the digits shown in the online bank under the heading Kontrollnummer ( Check number ) into your security token. Insert your card into the card reader. Follow the instructions on the screen. The payment will now be included in your payment list. To approve the payments in the list, click on Till godkänna ( To approve ) and repeat the points above. Approve new recipient and payment using your security token 2 The security token will now show a numerical code, which you should enter in the online bank in the Svarskod ( Response code ) box. Click on Godkänn ( Approve ). 3 The payment will now be included in your recipient list. To approve the payments in the list, click on Till godkänna ( To approve ) and repeat points 3 above.n The recipient you enter will be automatically saved in an alphabetical list, so that you do not need to fill in their details every time you make a payment. About due dates If you do not specify a due date, the payment will be made on the same day if you approve the payment before 10:00. Otherwise, the payment will be made on the next banking day. If you specify a due date, the bill will be paid on the date you have provided. The money will be withdrawn from your account on the day before the due date. If the due date is a non-working day, the recipient will receive the money on the last working day before the non-working day. Make a habit of adding your payments to the online bank as you receive them on their due dates. That way, all your bills will be paid on time. Automatic monitoring? Under the heading Egna inställningar ( Own settings ) on the Startsida ( Home Page ), you can request monitoring of certain information such as e-invoices and rejected payments payments that have not gone through for some reason. You can choose whether to be notified by SMS or . Do you need any help? Call online bank customer services on , daily between 07:00 and 23:00. Do you need any help? Call online bank customer services on , daily between 07:00 and 23:00. 7

5 Transfers what to do 1 Go in under Betala/Överföra ( Pay/Transfer ). Choose the appropriate heading under Överföringar ( Transfers ). Enter the details under Från ( From ). The first time you make a transfer to a recipient, enter the clearing number, account number and name under the heading Lägg till ny mottagare ( Add new recipient ). Then enter the amount, the transfer date and any message. 1 2 Click on Lägg till ( Add ). Approve new recipient and transfers using your security token Approve new recipient and transfers using Bank ID on card 3 Turn on your security token using the arrow key. Enter your personal PIN code. APPLI will now be shown in the window. Enter the digit 2. Enter the digits shown in the online bank under the heading Kontrollnummer ( Check number ) into your security token. The security token will now show a numerical code, which you should enter in the online bank in the Svarskod ( Response code ) box. Click on Godkänn ( Approve ). Insert your card into the card reader. Follow the instructions on the screen. The recipient and the transfer will now be included in your transfer list. To approve the transfers, click on Till godkänna ( To approve ) and repeat the points above. Approve new recipient and transfers using your security token 2 The recipient and the transfer will now be included in your transfer list. To approve the transfers, click on Till godkänna ( To approve ) and repeat points 3 above. 3 The recipient will be automatically saved in an alphabetical list, so that you do not need to fill in their details every time you transfer money. About transfer dates A transfer to an account at Swedbank or a savings bank will reach the recipient account immediately. If you do not specify a date, the money will be available in the recipient account on the same work day if you approve the transfer before 13:00. Otherwise, the money will be available on the next working day. Information about transfers and payments is available in the online bank for 18 months. Information about deposits and withdrawals to and from your account is available for 13 months. 8 Do you need any help? Call online bank customer services on , daily between 07:00 and 23:00. Do you need any help? Call online bank customer services on , daily between 07:00 and 23:00. 9

6 Do things your way Under Egna inställningar ( Own settings ), which you will find on the Home Page, you can adapt the online bank according to how you want it. You can: Change the format of text and headings according to how you want them to look. Enter your contact details just once. These details will be automatically entered when new forms need to be filled in. Choose whether you want to receive offers and information about various services and events. Choose to monitor e.g. e-invoices by or SMS. Add the pages you often use as Favourites in your main navigation menu, so that you can find them more quickly. Do you want to make multiple payments to the same recipient? Go in under Betala/ Överföra, Kontohändelser, Historiska kontohändelser ( Pay/Transfer, Transactions, Past transactions, Historic transactions ) and click on the relevant recipient. Click on Kopiera ( Copy ) and create a new identical payment. Check the BankGiro/Plusgiro number and the OCR number to ensure that they correspond with the new payment. 10 Do you need any help? Call online bank customer services on , daily between 07:00 and 23:00. Do you need any help? Call online bank customer services on , daily between 07:00 and 23:00. 11

7 More useful functions Under the heading Beställ tjänster ( Order services ) on the Startsida ( Home Page ), there are lots of useful services that you can easily order. Here are brief details about some of them. Beställ tjänster 1 1 Elektronisk faktura/e-faktura ( Electronic invoice/e-invoice ). Lots of companies allow you to receive invoices electronically, directly to the online bank. This is a simple and practical process that also reduces environmental impact. Choose Anmäl elektronisk faktura ( Register e-invoices ) and follow the on-screen instructions. 2 Hitta dina kontovillkor ( Find your account terms and conditions ). Go in under Ekonomisk översikt ( Financial overview ) on the Startsida ( Home Page ). Here you will find Konton och lån översikt ( Accounts and loans overview ). Click on the relevant account and choose Kontovillkor ( Account terms and conditions ). If instead you choose Byt kontonamn ( Change account name ), you can rename the account to whatever you want to call it. 3 3 Elektroniskt lönebesked ( Electronic salary statement ). Under Övriga tjänster ( Other services ) you will find Anmäl elektroniskt lönebesked ( Register electronic salary statement ). Go in and find out whether you can use this service to receive your salary statements electronically in future. e-sparkonto ( e-savings account ). Open an e-savings account. This is free, and gives you a better interest rate than a normal personal account. With an e-savings account, you can make payments and withdrawals however you like free of charge. Go in under Spara/Placera ( Save/Invest ), Öppna nytt sparkonto ( Open new savings account ) and select e-sparkonto ( e-savings account ). 2 e-kort, Verified by Visa and MasterCard Secure Code are three ways of shopping online more securely. In order to use your card to make payments online, you must sign up for e-kort, Verified by Visa or Master Card Secure Code. You can find these services under the heading Kort ( Cards ). Follow the instructions. BankID. Under Övriga tjänster ( Other services ) you will find Beställ BankID ( Order BankID ). With a Bank ID, you will be able to carry out transactions online such as filing your tax return and registering leave to care for a sick child. To order and use a Bank ID, you first need to install the Bank ID security software on your computer. When adding a new recipient, you can label the payment by choosing one of the alternatives under the heading Kategori ( Category ). You can then search by category and check how much you have spent on the various items. 12 Do you need any help? Call online bank customer services on , daily between 07:00 and 23:00. Do you need any help? Call online bank customer services on , daily between 07:00 and 23:00. 13

8 Help is at hand Contact online bank customer services if you would like help with online bank functions. You can call customer services on , daily between 07:00 and 23:00. You can also send a question to online bank customer services select Kontakta oss ( Contact us ) on the Home Page. You will receive a reply within 2 hours. To find out more about the page you are currently on, click on the Hjälp ( Help ) button in the top menu bar to the right. Any questions? Contact your local Swedbank or savings bank branch. You can also visit us at swedbank.se* Test drive the online bank functions by using our demo at swedbank.se/demo. DEMO If you have any questions about your finances, you can call the Telephone bank on , daily between 07:00 and 23:00. The Telephone bank is free of charge. Connect via the Tillval ( Options ) menu in the online bank. Give your accounts their own names. You can choose names for your accounts to make it easier to tell them apart. Go in under Ekonomisk översikt ( Financial overview ), Konton och lån översikt ( Accounts and loans overview ). 1 Do you need any help? Call online bank customer services on , daily between 07:00 and 23:00. Do you *Please need any note help? that some Call online savings bank banks customer may have services a different on website. 7 Contact 12, daily your between bank to find 07:00 out and more. 23:00.

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