BZWBK24 Internet. How to access the Bank? Logging on to BZWBK24 Internet: Step-by-step instruction

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1 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 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 personal and current accounts, credit card accounts and term deposit accounts look at the history of operations on your own accounts during the last 12 months obtain information about the debit cards issued to personal or current accounts obtain information about the issued credit cards (main and additional) manage your debit and credit cards (activate, unblock, assign a new PIN) activate 3 D-Secure service 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 online stores thanks to the Transfer24 service top up the account of your prepaid mobile phone place orders to transfer money to FX accounts in foreign banks open and terminate a deposit (PLN or FX) open a savings account, check its balance and make deposits and withdrawals open a personal account order a card to your personal account insure a card issued to a personal account find information about exchange rates change your PIN password modify the contact details provided to the Bank 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 view the list of operations executed using the service (including the IP address of the computer from which the instructions where placed) How to access 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 on to it from the Internet portal or directly from the transactional service page In both cases, you will be directed to the login page of BZWBK24 Internet, where you have to enter your NIK number and PIN password in the relevant fields and accept them. If you use an additional security solution, in the next step you will be requested to confirm your login using the token or an smscode. After login, the main menu with all available groups of options will be displayed on top of the screen and will remain visible at all times when using the service. When you choose a selected option from the main menu, a detailed menu will be displayed on the left-hand side of the screen. You can use it to navigate directly to the operation which you want to execute. Logging on to BZWBK24 Internet: Step-by-step instruction 1. PIN password to BZWBK24 Internet Upon activation of the BZWBK24 Internet service, you will receive and envelope with a four-digit PIN password. At first login, you will be requested to change the password for a longer one (from 4 to 12 characters in the case of a standard password and from 8 to 20 characters in the case of a masked password). In addition to the prescribed number of characters, your new PIN password has to meet the following requirements: the password may contain only the following characters: - letters A to Z and a to z (excluding the Polish diacritics), - digits from 0 to 9, - special characters and symbols: `'!@#$%^&*()_+-=[]{},;:.?/ the password may not be composed of only letters or only digits, 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. Regular change of the password (e.g. on a monthly basis) is recommended). Each new password has to meet the requirements set out above. 2. First login to the service: The following procedure is used upon first login to the service (as well as the first login after issue of a new PIN by the Branch):

2 Step 1 Client s ID Enter your identifier i.e. the NIK number Figure: Login procedure NIK number Step 2 PIN password Enter the entire PIN password from the envelope received from the Bank (four digits). Figure: Login procedure standard PIN password You can also use the onscreen keyboard to enter the PIN password. Click on the keyboard icon and enter the selected characters by clicking on the respective keys. Figure: Virtual keyboard The CAPS and BkSpce keys have the same functions as on the traditional keyboard. Clicking on the Shift key will switch the keyboard to the special characters and capital letters mode. After entering a special character or a capital letter the onscreen keyboard automatically switches back to the regular mode. Hence, the entry of each special character or a capital letter must be preceded by clicking on the Shift key. The buttons below the onscreen keyboard have the following functions: Accept - transfer the entered password to the login window Clear - delete all the characters entered Cancel quit entry of the password using the onscreen keyboard Step 3 Change of the PIN password Before you start using the transaction service, you have to change the PIN password and log on to the service again. Figure: Change of PIN password When entering a new password, you can check its conformance with the requirements and the level of security offered by your password. An indicator of the password correctness and strength is located next to the field in which you enter the new password. The degree to which the indicator display is filled reflects the correctness and security standards of the password. If the password does not meet the requirements, the indicator will remain empty and the change password instruction will be rejected. Figure: PIN password indicator bar - empty The PIN password is also unacceptable (empty status bar) when the password meets one of the criteria specified below: is shorter than 4 characters (8 characters in the case of the masked password), contains the NIK number, part of the NIK number or NIK number written backwards, contains only digits or only letters, contains three identical characters next to each other, is the same as the previous password. If the password meets the requirements and the change instruction can be accepted, green colour appears on the indicator bar reflecting the degree of security offered by the password. Each of the parameters specified below raises the degree of security by one level (as reflect by green shading of one segment of the indicator bar): - the password is longer than 4 characters (8 characters in the case of the masked password), - the password contains upper and lower case letters, - the password contains at least one digit, - the password contains at least one special character, - the password is longer than 10 characters. Figure: PIN password indicator bar - full 3. Next logging to the service: Each next login to BZWBK24 Internet service proceeds as follows: Step 1 Client s ID Enter your identifier i.e. the NIK number Figure: Login procedure - NIK Step 2 Standard or masked password If you use a standard PIN password, enter the entire password. If you use a masked PIN password, enter the characters haphazardly selected by the system from your PIN password. The characters requested by the system and their number may differ each time you log on to the service. Figure: Login procedure PIN password masked

3 In the example below, the system asked for entry of the characters in fields numbered 2, 5, 7, 8, 9, 10, 14, 16, 17 and 20. The fields are highlighted (unshaded). If the password contains less than 20 characters, enter only those characters which occur in your password, leaving the other highlighted fields empty. Example: Let s assume that the login password is: Haslo1bezpieczne H a s l o 1 b e z p i e c z n e Enter the respective characters of your password (haphazardly selected by the system) in the highlighted fields. In our example, fields 17 and 20 should be left empty, since the password consists of 16 characters only. You can also enter the masked password using the onscreen keyboard. Step 3 Token code or smscode (optionally) If you use a security token or an smscode service, you can take advantage of additional security key while logging on to the service. When this option is active, in the last, additional login step you will be requested to enter an smscode or a code from the token display. smscode Figure: Login procedure - smscode Enter the smscode sent to your mobile phone. token Figure: Login procedure token masked password If you use the masked password, when the message APPLI appears on the token display press 1 on the device keyboard. Then, enter the digits displayed by the token (token response) in the field on the screen. If you use a standard (unmasked) password, when the message APPLI appears on the token display press 2 on the device keyboard. Then, enter the token challenge shown on your computer screen and enter the token response to the challenge in the respective filed on the screen. 4. Login settings with additional security key (token/smscode) You can activate the additional login key by yourself, choosing the option available on top of the screen: My profile -> Login procedure. Select either password+token or password+smscode, respectively.. Figure: My profile login procedure 5. Login with a selected picture There is also another method of logging on to the service with additional security solution login with a selected picture. You can also activate this security solution by yourself, choosing the option available on top of the screen: My profile -> Login procedure. Select a picture which will always appear on the login page after you enter your NIK number. If you don t see the picture on the page where you enter your PIN password, you are not on the secure Bank s website. In such a case, do not enter the PIN password and immediately report the incident to the Bank. If you do not want to continue using the security option, choose the option My profile -> Login procedure and then select the field with the message I don t want the picture. 6. Events log Upon logging on to the BZWBK24 Internet service, you gain access to the information about operations executed using the service. Choose the option My profile > Information > Events log to check when and from which IP address the following operations were executed: logging on to the system (successful and failed), change of the PIN password, change of the authentication method during logging,

4 change of the orders and instructions authorisation method. Additionally, a number of other selected operations are recorded in the log of events, e.g. ordering hardcopy confirmation of a transaction, import of transfers, import of beneficiaries, blocking the WAP channel, activation of the Alerts24 service, change of the Alerts24 service package, blocking/ unblocking the Alerts24 service, modification of the Alerts24 service parameters, change/ deletion of a mobile phone number from which prepaid mobile phones can be topped up using the BZWBK24 sms service. How to view Portfolio24? Account balance After login, a page will be displayed with the list of all your PLN and FX accounts. You can find there information about personal/ current accounts, deposit accounts, credit accounts and Arka investment fund registers. Under the Portfolio24 tab, information about the current balance and available funds is displayed for each account. The information about available funds is also displayed upon making a money transfer order. In the Actions column, there are a number of options which enable viewing detailed information about the account and execution of selected operations. For some products, you will find there another option called More which offers access to additional options. You will find information about your accounts under the following tabs: Portfolio24, Savings, Cards and Loans. The summary of Portfolio24 displayed at the bottom of the page contains an option Details which can be used to check the grand total balance of all accounts and balance per each currency type. The presentation of the list of accounts under Portfolio24 tab can be adapted to the user requirements. The sequence of sections can be changed by clicking on (to move the section one place down on the list) or (to move the section one place up on the list). The contents of particular sections can be hidden by clicking on on. or scrolled down by clicking Figure: Portfolio24 History You can view the history of operations executed on the account by choosing the option History or clicking on the account name. By default, the history of operations is displayed in tables containing 10 items each. In the My profile > Data display option, there is a possibility of customising the number of items displayed on the screen 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 above the history of transactions. 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 or choose the Details option in the Actions column. The data can be automatically added to the list of beneficiaries by using the Add beneficiary option. Using the option Order confirmation, you can also order hardcopy 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 authorised Bank s staff. A fee in accordance with the Schedule of Fees and Charges is charged for generating paper confirmation of a transaction. If you receive confirmations of SEPA transfers and you want to see additional information about such transfers in your account history, estatement and hardcopy transaction confirmations, select the field Show SEPA data in the option My profile > Data display. estatement estatement is an electronic statement from your bank account containing exactly the same information as the paper statement which is offered free of charge. The statements available under this option can be viewed in the electronic format (HTML or PDF) or printed off. Alternatively, the data about displayed transactions can be converted into a CSV file. Additionally, a template is made available to facilitate quick upload of account statement data into an Excel spreadsheet from a CSV file downloaded and saved on the hard drive. The generated account statement remains available online for at least 6 months for personal customers and for at least 35 days for companies. Note: Choice of the estatement option by personal clients is equivalent to resignation from paper account statements. For companies, estatements are available for all types of accounts for which paper or electronic statements were requested in the Bank s branch. Statement of Credit Card Transactions For the credit card account in question, choose the Summary option in the Actions column. Transactions from the last six months are available in this option. The types of data about executed card transactions include: - posting date,

5 - transaction date, - transaction place, - amount in the transaction currency, - value. The operations displayed in the summary can be sorted according to available parameters, by clicking on the column title. Detailed Information Depending on the account type, the following details are presented: Personal account/ Current account/ Savings account Account balance Available funds Credit limit Interest rate Date of last transaction Date of last capitalisation Term deposit Account balance Deposit period Interest rate Interest type Capitalisation Renewal Deposit opening date Deposit start date Date of last capitalisation Date of next capitalisation Date of interest availability Credit card account Current debt balance Available funds Credit limit Blocked funds Interest rate Interest for the previous period Overdue minimum repayment Current minimum repayment Total minimum repayment Last statement date Next statement date Next repayment date Loan account Loan amount Loan balance Current interest Interest rate Disbursement date Last operation date Next instalment date Total repayment date For each account the mailing address is also displayed. In order to see the detailed data, choose the option Details in the Actions column next to the account in question. Loan repayment schedule After choosing the Schedule option in the Actions column next to the selected loan account, the loan repayment schedule is displayed (eschedule). This option gives you access to the following information: repayment dates, instalment amounts (total, principal, interest), loan principal balance. eschedule is available only for personal clients. Note! eschedule is a simulation of the loan repayment schedule. It is made available for information purposes only and cannot be treated as the basis for making repayments. Limits and counters In addition to the list of accounts and the summary of deposited funds, the Portfolio24 contains also additional information grouped in the section called Limits and counters : - date and time of last successful login attempt, - date and time of last failed login attempt, - used up amount of limits for transfers to 3rd party accounts (with token/smscode and without token/ smscode), - number of free of charge smscodes used up.

6 Other details are available after choosing the option More. You can also display the information by choosing the option My profile > Information > Limits and counters. The additional information available includes numbers of text messages (free and charged) sent as part of the Alerts24 and BZWBK24 sms services. How to resign from paper account statements? If you want to resign from paper account statements : choose the Portfolio24 tab, next to the selected account choose the option estatement, accept the statement about resignation from paper statements from the account, press the Confirm button. If you have resigned earlier from the receipt of paper account statements in one of the Bank s outlets, the resignation statement will not be available in BZWBK24 Internet. To resume generation and delivery of paper account statements, you have to contact the nearest branch of the Bank. Only personal customers can resign from paper account statements using the BZWBK24 Internet service. How to view your cards? The BZWBK24 Internet service gives you access to information about cards issued to the accounts of which you are an owner or co-owner. Choose the Cards tab from the main menu to see on the screen the list of your debit cards (to the personal/ current account) and credit cards. To view the details of particular cards choose the appropriate option in the Actions column. The following information is available: history of operations executed using the card, card details, blocked funds. History of transactions executed using the card (History option) The following information about transactions executed using a selected card during the last 30 days is available: transaction date, name and location of the merchant or ATM, transaction type (cash/ cash-free/ refund/ debit), transaction value and currency. You can view all transactions or choose only cash withdrawals or only cash-free transactions (in the shops or online). You define the transaction category by choosing the appropriate item on the Operation types list. Card details (Details option) The following information is available for each displayed debit card: cardholder name and surname, card name, number of the account to which the card has been issued, current card status, card limits e.g. daily, monthly, all operations, cash withdrawal, whether the card is insured, mailing address to which a new or renewed card should be sent. Blocked funds (Blocked funds option) Using this option you can check unsettled operations executed using the selected card. The following information is available: operation date, name and location of the merchant or the ATM, transaction type, transaction value and currency. How to activate or unlock a card or change the PIN password? If you are a personal customer and use a token or an smscode service to authorise transactions, you can execute the following operations concerning your debit or credit card: card activation activation of a new or renewed card, card unlocking unlocking of a card locked after entering an incorrect PIN password three times in a row on the ATM or the merchant s terminal, assigning a new PIN password to a card. These operations are available only for the cards of which you are the user. You can t execute them for cards issued to your account but in the names of other users. After choosing the Cards tab, a list of cards will be displayed on the screen. For each of the cards, the following options will be available in the Actions column: Activate, Unlock, Assign PIN password. Choose the appropriate option, enter the required data and confirm the operation using an smscode or the token.

7 To assign a new PIN password to a card, you don t need to know the previous PIN number. How to resign from a paper statement of credit card transactions? If you want to resign from a paper statement of transactions executed using a credit card: choose the Portfolio24 tab, choose the option Resignation next to the selected credit card account, accept the statement about resignation from the receipt of paper statements of credit card transactions for the main card and additional cards assigned to the account, if you want to receive free of charge text messages or s with information about the credit card repayment date and amount, accept the second statement, press the Accept button. If you have resigned earlier from the receipt of paper account statements in one of the Bank s outlets, the Resignation option will not be available. To resume generation and delivery of paper account statements, you have to contact the nearest branch of the Bank or contact the Call Centre. Upon resumption of paper statements delivery, the free of charge text messages/ s will automatically be terminated. How to activate the 3D-Secure service for a card? The 3D-Secure service enables shopping in online stores using a payment card with additional transaction authorisation by means of authorisation solutions of BZWBK24 services (token, smscode). When making a payment, you enter the data set out on your card, i.e. the card number, expiry date and the three-digit CVV code (available on the reverse side of your card the three last digits of the number on the card s signature strip) and subsequently, after being redirected to the Bank s website, you log on to BZWBK24 Internet service and authorise the transaction using an smscode or a token code. In order to activate the 3D-Secure service choose the Cards tab in the main menu and in the Actions column next to the selected card choose the option Activate 3D-Secure. You can also activate the 3D-Secure service upon the first card payment in an online store. When the 3D-Secure option has been activated, the option Activate 3D-Secure is not available anymore. How to transfer money between your own accounts? In order to execute a transfer of money between your own accounts take the following steps: select the Transfers tab in the main menu, and from the side menu choose the option Domestic transfers To own account, 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 Next 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. check the correctness of the entered data and press the Execute transfer button. 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 your 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. Figure: Transfer to a 3rd party account entry of transfer data If you use smscodes or a token, the procedure is as follows: select the Transfers tab in the main menu, and from the side menu choose the option Domestic transfers To 3 rd party accounts, select the account from which you want to transfer money. if you have predefined the transfer beneficiary, choose the abbreviated name of the beneficiary from the drop-down menu or search for the beneficiary by entering a part of the beneficiary s full name, abbreviated name or the account number if you have not predefined the beneficiary, enter the account number and the address details of the transfer beneficiary, enter the amount to be transferred, enter the transfer description., enter the transfer value date and click on the Next 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. check the correctness of the entered data and press the Execute transfer button. If you use smscodes, the system will automatically send you the code. If you use a token, enter into the token the number displayed in the field Challenge for token.

8 In the field Enter token response/ Enter smscode type in the number displayed on the token/ mobile phone screen and click on the Accept button. Figure: Transfer to a 3rd party account confirmation using a token or an smscode If you do not use smscodes or a token to execute transfers to a 3 rd party account the procedure is as follows: select the Transfers tab in the main menu, and from the side menu choose the option Domestic transfers To 3 rd party accounts, select the account from which you want to transfer money. select the account to which you want to transfer money (from the list submitted to the branch upon signing the agreement), enter the amount to be transferred, enter the transfer description, enter the transfer value date and click on the Next 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. check the correctness of the entered data and press the Execute transfer button. Note: Money transfer orders can be placed with a forward value date (maximum 365 days in general or 60 days in the case of social security and tax payments). All orders can be displayed under the option Released orders > View Orders. You can cancel transfers with forward value dates using the option Cancel an order next to the selected money transfer order. Note: If you have activated the Sorbnet transfer type (see the section How to activate the Sorbnet option? in the chapter BZWBK24 Internet) and you want to use this form of money transfer, choose Sorbnet from the Transfer types list (Elixir is displayed as a default type). The Sorbnet option is available only to corporate customers. How to pay social security (ZUS)? If you want to pay ZUS taxes, select the Transfers tab in the main menu, and from the side menu choose the option Domestic 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. Figure: Transfers to ZUS accounts How to pay your taxes? If you want to pay your tax to the account of the tax authorities (e.g. Tax Office), select the Transfers tab in the main menu, and from the side menu choose the option Domestic 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. Figure: Transfers of taxes How to make your money transfers easier? List of beneficiaries Using the option Transfers Beneficiaries, you can easily create a database of money transfer beneficiaries. The list of beneficiaries can include recipients of PLN transfers, tax offices and recipients of FX transfers (domestic and foreign). Figure: List of 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 My profile > Data display option, there is a possibility of changing the number of items displayed at a time to 25, 50 or 100 entries displayed on one screen. To view the list, use the Previous and Next buttons. To find a specific beneficiary, choose the category from the drop down Display menu or enter the first letters of the beneficiary s name in the Search field and click on the magnifying glass button. The beneficiary search option is also available on the transfer order page. If you use smscodes or a token, you can define on your own whether transfers to the beneficiary s account can also be ordered over the phone. If so, when you add the beneficiary to the list, choose YES in the field Accounts available via phone. The beneficiary will then be marked as available in BZWBK24 Telephone. If you do not want to use a token or an smscode when ordering money transfers in BZWBK24 Internet to a specific beneficiary, when adding the beneficiary to the list select NO in the field Additional confirmation. Such a beneficiary will not be ticked off with in the smscode/token column. If you want to add a new beneficiary, press the Add beneficiary button.

9 Subsequently, select the appropriate Beneficiary type. Depending on the selected type, the matching list of fields to be completed will be displayed. The list of beneficiaries is managed using the following options in the Actions column: Insert into transfer, Modify, Delete and Details. Note: Upon saving the data of a beneficiary holding an account with Bank Zachodni WBK S.A., the system will automatically recognise the currency of the beneficiary s account. Using the option Transfers > Beneficiaries and payers > List of beneficiaries you can also create a database of beneficiaries of FX accounts (payment orders). Figure: Adding a beneficiary If you want to add or modify an entry on the list, you have to complete the following fields: Beneficiary s name, Account number, Transfer description, Street Address, City and Area code. Changes in the list of beneficiaries may 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. The Insert into transfer option is used to populate the transfer order fields with data of beneficiaries from the List of beneficiaries. If the data of a particular beneficiary can be used only in a strictly defined transfer type (e.g. Taxes), after choosing the Insert into transfer option, the appropriate type of a transfer order will be automatically displayed. If the beneficiary s data can be used in different types of orders, a list will appear on the screen from which you have to choose the appropriate transfer type, e.g. To a 3 rd party account or Standing order. A new beneficiary can also be added to the list when making a money transfer. To do it, on the transfer data confirmation screen select additionally the field Add to the list of beneficiaries, and in the field Save the beneficiary as enter the abbreviated name. The list of beneficiaries can be created by adding the entries individually as described above, however, there is also a possibility of downloading a whole group of beneficiaries from the specially prepared file. To this end, use the button Import beneficiaries and specify the name of the file which contains the data to be imported. The imported file must be a text file prepared in a special format. The detailed information about the format can be found on the service website. If you want to extract the data from the List of beneficiaries to use them in other applications, use the button Export selected entries. You will obtain a text file in the same format as the format required to import a list of beneficiaries. If you need to delete from the List of beneficiaries a bigger number of entries at a time, you can do it by selecting the redundant list entries and clicking on the button Delete selected entries. 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 insert into the transfer form the predefined payer data. To this end, when completing the transfer fields choose the Predefined option next to the Payer field and choose the payer s name from the displayed list. The populated fields can then be additionally edited. The list of payers can be defined using the option Transfers -> Beneficiaries and payers -> List of social security (ZUS) and tax payers. Figure: List of payers 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, repayment of credit cards and FX transfers. Figure: Unreleased orders Transfer orders can be saved under Unreleased orders one by one, as and when the payment obligations arise. There is also a possibility, however, of downloading a whole group of transfer orders from the specially prepared file (maximum 20 transfer orders). To this end, use the button Import transfers and specify the name of the file which contains the data to be imported. The imported file must be a text file prepared in a special format. You can also prepare the transfer orders using a special template and create a file to be imported at the end. The detailed information about the imported file format and the template can be found on the service website. If you need to delete from the Unreleased orders a bigger number of entries at a time, you can do it by selecting the redundant entries and clicking on the button Delete selected entries.

10 New order The New order option (available for selected transaction types, under Unreleased orders in the Actions column) and the New order button (available under Released orders > View orders for selected transaction types) make it possible to create a new order based on the data copied from an earlier order. All information required to execute a new order, including the payer account, the beneficiary data and account number, the transfer amount and description will be copied to the new order. This functionality is available to customers using smscodes or tokens. Default debit account If you have a number of your own accounts, you can choose one of them as the default account to be debited. This account will appear in BZWBK 24 Internet as the first one on the list of accounts to be debited when making money transfers. Other accounts will be displayed on the list in the sequence defined by the respective account numbers. In order to set the default debit account choose the option My profile -> Data display and then choose from the list a Default debit account and save the new setting. Online shopping Transfer24 Users of BZWBK24 Internet service with a token or smscode authorisation can make Internet payments using the Transfer24 service. Transfer24 is a safe and convenient method of payment for online shopping directly from your account to the seller s account. You should know that: Transfer 24 transactions are executed using the secure, encrypted SSL protocol, your NIK and PIN numbers and the account balance are not visible to the transfer beneficiary (seller), the Bank does not know what you are buying it will only see the transaction value and the merchant data you can shop any time you want the Bank charges no additional fee for Transfer24 service. Find the information about stores in which you can pay using the Transfer24 payment system at How to make Transfer24? After choosing the products which you want to buy from an Internet store, you have to go to a payment page of the merchant s website. From the list of available payment methods choose Transfer24. (Depending on the store, different names of payment methods can appear there, however Transfer 24 will always be one of them). When you choose Transfer24, you will be redirected to BZWBK24 Internet login page. Key in the NIK and PIN numbers which you use to log on to BZWBK24 Internet service. The transfer order form will be displayed. The fields with the transfer amount, beneficiary and description will be populated and it will not be possible to edit them. Check the details and confirm the transfer. You can now return to the online store website or continue executing other operations in the BZWBK24 Internet service. How to transfer money abroad? The BZWBK24 Internet service additionally offers the option FX transfers > Foreign and domestic transfers which can be used to make transfers to accounts in foreign banks and FX transfers to accounts held in other banks in Poland. This service is available only to customers using smscodes or tokens. Terms and restrictions A single transfer may not be higher than EUR 200,000 (or its equivalent)* The minimum transfer value is PLN 5 (or its equivalent)* The amount of money to be transferred can be denominated in PLN, EUR, USD, GBP, CHF, AUD, CAD, CZK, DKK, JPY, NOK, SEK. The list of countries to which payment orders can be made is restricted. 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. Urgent and Express money transfer modes are available only for selected currencies. * The above specified limits are subject to changes. Currently applicable limits can always be found at Entering data in the transfer order form Figure: Transfer order 1 From the account - choose the account from which you want to transfer money. Enter the beneficiary data or use the predefined money transfer beneficiary list. To the account choose the country from the list and enter the beneficiary account number. Currency choose the currency of the money transfer.

11 Transferred amount, Received 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. Costs covered by 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. Transfer execution mode for transfers in EUR, GBP, USD and PLN, in addition to the Standard mode, you can also choose Urgent or Express mode. Description choose the first part of the description from a drop-down list. Description contd. enter the second part of the FX transfer description. Selecting the beneficiary s bank Figure: Transfer order 2 If you know the SWIFT code of the beneficiary s bank, type it in the BIC field and press the Search bank button. If you do not know the SWIFT code of the beneficiary s bank (or the bank does not have a SWIFT code), enter data in at least one of the following fields: Name of the bank, Branch number, City and press the Search bank button If the displayed bank data are correct, click on the Next button to pass on the to the final confirmation of the transaction. Accepting the order On the screen, you will see all money transfer details and the text of a statement which needs to be accepted before confirming your transaction. To do it, select the appropriate box by the text. The payment order requires authorisation by means of a token or an smscode. Customers placing payment orders may also check the cost of the money transfer before accepting the order. On the FX transfer acceptance form there is a link to a calculator of foreign fees and charges with data entered into the transfer order form. Note: If at the time of placing the transaction order, the Bank s exchange rate table changes, the transaction will not be accepted until the amounts to be transferred are corrected. Payment execution Your account will be debited with the amount of money transferred and the Bank s fees and charges no later than on the next business day following the placement of the order. The transfer to the foreign bank of the amount of money specified in the international payment order will take place no later than on the third business day following the day on which the customer s account was debited. Viewing orders FX transfer orders can be viewed and printed off using the Released transfer orders > View orders option. If the transaction description is underlined, detailed information about the transaction is available. To view it, click on the selected transaction description. For FX transactions, in addition to the general data displayed under View orders option, the applied exchange rates, the number of the exchange rate table and the selected beneficiary s bank are additionally shown. How to make an FX transfer to an account in BZWBK? The BZWBK24 Internet service additionally offers the option of FX transfers made to accounts in BZWBK. This service is available only to customers using smscodes or tokens. Terms and restrictions an FX transfer to an account of another client of Bank Zachodni WBK S.A. has to meet one of the following terms: - transfer from an FX account to an FX account, - transfer from an FX account to a PLN account, - transfer from a PLN account to an FX account, this option should not be used to transfer money to PLN accounts in other domestic banks (which are executed using the option Domestic transfers -> To 3 rd party accounts), a single transfer may not be higher than EUR 200,000 (or its equivalent)* the minimum transfer value is PLN 5 (or its equivalent)* the amount of money to be transferred can be denominated in PLN, EUR, USD, GBP, CHF, AUD, CAD, CZK, DKK, JPY, NOK, SEK. 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). transfers are executed free of charge transfers of this kind can be executed only by clients using tokens or smscodes to authorise transactions

12 Entering data in the transfer order form Figure: FX money transfer in BZWBK Currency choose the currency of the money transfer. Transferred amount, Received 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. Accepting the order On the screen, you will see all money transfer details and the text of a statement which needs to be accepted before confirming your transaction. To do it, select the appropriate box by the text. The payment order requires authorisation by means of a token or an smscode. Note: If at the time of placing the transaction order, the Bank s exchange rate table changes, the transaction will not be accepted until the amounts to be transferred are corrected. How to use the View orders option? Using the option Released orders View orders you can go through all the transactions executed using the BZWBK24 service package. By default, the list of orders is displayed in tables containing 5 items each. In the My profile -> Data display option, there is a possibility of customising the number of items displayed at a time. The available history options include 5, 10, 20 or 50 operations displayed on one screen. You can also print off a selected order, by choosing the option Print next to the order Figure: View orders Using the option Released orders > View orders > Cancel order you can cancel (delete) your orders with a forward value date which is still in the future. How to use standing orders? Opening In BZWBK24 Internet service you can define standing orders to 3 rd party accounts. To do it: from the side menu, choose the option Standing orders > New order enter the required data, just like in the case of a single money transfer to a 3 rd party account. define the additional parameters to set the terms of the order execution (payment dates): - date of the first payment - execution cycle i.e. the frequency of order execution - standing order expiry date (if the order has no specified date leave the field empty) Figure: Standing order Your orders will be executed if you ensure availability of funds in your account one day before the order value date. The Bank will not be held liable for orders which have not been executed due to unavailability of funds in the account. In the case of transfer orders to accounts held with other banks, if the execution date falls on a non-business day in the Bank's IT system, your transfer will be executed on the first business day following the non-business day or days. Modification and cancelling Standing orders placed via the BZWBK24 Internet service can be cancelled or modified, using the option Standing orders > View orders. The following parameters can be modified: beneficiary data, transfer description, amount, date of the first payment, date of the last payment, execution cycle and the standing order expiry date. The standing order can be modified no later than on the business day preceding the next payment date under that order. To modify or cancel a standing order use the options Change or Delete. Information about orders You have unlimited access to the history and detailed data of active standing orders. In order to display the list of standing orders, choose the option Standing orders > View orders. Orders displayed on the screen include orders placed at the Bank s branch and orders placed via the Internet. The information is shown in the column Order placement mode. The entry Rejected in the Status column means that the order has not been executed. The most frequent reason is unavailability of funds in the account. How to start saving money? The BZWBK Internet service offers a possibility of opening and terminating selected deposits and viewing information about all deposits held. The service also covers deposits opened at the Bank s branches. As a personal client, you can also open a savings account with access to information about the account balance and history make deposits and withdrawals. Opening a deposit From the main menu choose the Savings tab and then find the option Opening a deposit in the side menu. Select the account from which you want to transfer money to a deposit account (depending on the selected account, in the next step a list of available deposits will be shown for a currency matching the selected account currency).

13 Choose the appropriate deposit type from the list of available deposits. Enter the amount of the deposit. Confirm your order on the following screen. Viewing active deposits The list of active deposits is available under Portfolio 24 and Savings tabs. If you want to get detailed information about a particular deposit, select the deposit account and choose the Details option. Terminating a deposit You can terminate both deposits opened via the BZWBK24 service or personally at the Bank s branch. This is possible for deposits authorised for termination via electronic banking services. The money from a terminated deposit can be transferred exclusively to one of the accounts predefined in the agreement for BZWBK24 electronic banking services. The currency of the account has to match the currency of the terminated deposit. In order to terminate a deposit you have take the following steps: click on the Terminate button next to the deposit which you want to terminate. select the account to which the money from the terminated deposit will be transferred. choose the Terminate button confirm the operation using the Accept button. Savings account (for personal customers) Using BZWBK24 Internet you can open a free of charge savings account (PLN or FX) which combines the advantages of a term deposit and a personal account i.e. a high interest rate and the possibility of using your money at any time without losing the accrued interest. Opening a savings account via BZWBK24 Internet requires confirmation using a token or an smscode. In order to open a savings account take the following steps: from the main menu choose the Savings tab and then find the option Savings account > Account opening in the side menu. select the savings account type and the currency in which it should be held. specify the mailing address for correspondence in relation to the opened account enter the address to which the bank will send you the banking regulations, schedule of fees and charges and other notifications associated with the processing of your request for opening the account. read the terms of holding a Savings Account download and save on your computer the Savings Account Agreement displayed on the screen confirm execution of the Savings Account Agreement with a token or an smscode (in the same way as you confirm a money transfer order) The savings account will appear under the Portfolio24 tab no later than 24 hours after placing the order. Transfer the money to the opened account and start saving. How to invest in Arka investment funds? The BZWBK Internet service offers access to Arka investment funds. With the different investment portfolios, you can choose an investment option which best suits your preferences in terms of the degree of acceptable risk, potential profit and the investment horizon. The participant may select one investment fund or split the investment between different funds building an investment portfolio. A detailed description of Arka investment funds can be found on the dedicated website at Regardless of whether you already are a participant of investment funds or you are planning to become one, in order to get access to your present or future investments via BZWBK24 Internet service, you have to sign an agreement for BZWBK24 electronic services in which you declare your intention to use this option. Using the BZWBK24 Internet service you can: obtain information about the capital invested in Arka funds open new registers in all open-ended Arka funds buy participation units also through standing orders redeem participation units to withdraw money. convert participation units into units of other funds with a different investment strategy The net asset value of the Funds may show a high degree of variability due to the composition of the investment portfolio. The financial data of the Funds and the description of the risk factors are set out in the Information Prospectuses available on the Funds website at and from the Funds Distributors. Some of the Funds can invest more than 35% of their assets into securities issued, guaranteed or underwritten by the State Treasury or the National Bank of Poland. The Funds do not guarantee achievement of the planned investment objectives or a specific level of the investment performance. The participant must take into account the possibility of losing at least some of the invested funds. How to check the value of your investment? List of registers You will find a full list of your Arka funds registers under the Savings tab in the main menu. You can open new registers and execute operations on the registers held using the options in the side menu and in the Actions column (Acquisition of units, Standing orders, History, Packages, Details and Payment - for register currently being opened). The list of registers is also available under Portfolio24 tab but here it excludes the registers being currently opened. Figure: List of registers

14 The list of registers contains the following information: register number and name of the investment fund or systematic savings program if the register pertains to such a program register value result of multiplication of the number of participation units by the current value of the relevant type of participation units in a given fund If you placed an order for opening of a register which has not been executed yet, an item New register currently being opened will appear on the list. When the order is executed, this entry will contain information about the number and value of the new register. History of transactions Under Portfolio24 tab select the History option next to the register in question. The history of transactions contains the following information: order date order placement day value date - the day on which the transaction is settled transaction type type of the transaction (e.g. acquisition or conversion). In the case of certain transaction types, additional information is displayed about the collected charges or savings tax. value amount of transaction based on the value of the participation units at the time of posting the transaction; the transaction value is always denominated in Polish zlotys. number of units number of participation units involved in the transaction balance [units] number of the fund participation units remaining in the register after the transaction The Print option enables printing off the information shown on the screen. The operations executed on a given register can be viewed using the Previous and Next buttons. The displayed operations can be filtered using the following options: all available history all available operations starting from the last one history from-to operations from a selected period of time history for a month history of operations in one of the last three months, including the current month 30-days history. The history covers all transaction types, including acquisition, redemption, conversion, cancelling a transaction, change of the participation units category or order payment. Details Under Portfolio 24 or Savings tab, choose the Details option next to the register in question. The Details section contains the following information about each of the registers: fund s name name of the fund and product for the selected register register number Systematic Savings Program - information whether the selected register is a register opened under a systematic savings program unit category type of the unit (A, S or T) for the selected register, depending on the total value of the participant s assets date of the last transaction date of the last operation on the register For registers which have already been opened the following data are displayed additionally (some of them are optional): fund s currency symbol of the currency in which the fund operates unit value current PLN value of the specific unit category of the fund for which the selected register is kept number of units number of participation units recorded in a selected register register value according to last valuation PLN value of the register according to the last available valuation i.e. unit value multiplied by the number of units Information about packages The breakdown into packages presents units broken down by transactions. Participation units acquired in a single transaction form one package. Each transaction of participation units acquisition is equivalent to one package containing the units purchased on that day. In the register in which acquisition transactions were executed, the number of packages equivalent to the number of transactions will be recorded. After redemption of part of the register, the number of packages will be reduced to match the current register status Under Portfolio 24 or Savings tab in the main menu, choose the Packages option next to the register in question to get access to information about particular packages, including: package acquisition date date of settlement of the package acquisition transaction number of units number of units in a package unit acquisition price price paid for units in the package, including the value of distribution fees unit value according to last valuation package value current value of the package calculated on the basis of the unit value according to last valuation profit/ loss difference between the package acquisition price and the current value taxation information for personal customers whether upon redemption the package is subject to capital income tax (package redemption is not subject to taxation if the package generated loss or was acquired before 31 November, 2001). Note: The information about capital income tax charged (for personal customers) is presented only for investor s own knowledge.

15 How to open a register? The register opening operation consists of two steps: order placement and payment. Register opening choose the Savings tab in the main menu, choose the option Open register in the side menu, choose a fund from the drop-down list, enter the amount taking into account the minimum order value defined in the statutes of each fund, read the summary information prospectus and tick the relevant flag, click on the Next button, check the correctness of all data and confirm your order by pressing the Confirm button. Figure: Register opening Payment for register opening You can pay for the order to open a register using the BZWBK24 Internet service or visiting the Bank s branch. The funds to pay for the order should be credited to the Bank s account within 7 days (valuation days) calculated from the day following the order placement. When the order is paid up, it is submitted for execution. Payment for the order directly after placement on the confirmation screen, choose the Payment link, from a drop-down list, choose the account which will be debited, the payment amount, description and the number of the account to be credited will be populated automatically, check the correctness of the data, read and accept the displayed statement, press the Execute transfer button, authorise the transaction using smscode or a token. Payment for the order at a later time under the Savings tab, choose the Payment option next to the register in question, from a drop-down list, choose the account which will be debited the payment amount, description and the number of the account to be credited will be populated automatically, check the correctness of the data, read and accept the displayed statement, press the Execute transfer button, authorise the transaction using smscode or a token. After submitting the order for execution, the register is visible in the Savings tab. After the execution of the order (which may take up to a few days), the register will appear in the selected fund under the Portfolio24 and Savings tabs with information about its current value. How to acquire investment fund participation units? One-off acquisition If you have an open register, you can buy more participation units placing individual purchase orders. To do it:: in the Savings tab choose the Buy option next to the register in question (the register must have an assigned number), from the drop-down list choose the account which will be debited, enter the amount of money for which you want to purchase participation units, the payment description and the account to be credited will be populated automatically, read and accept the displayed statement, click on the Next button, check the correctness of the data and press the Execute transfer button, authorise the transaction using smscode or a token. The execution of the order may take up to a few days.

16 Cyclically If you have an open register, you can place a standing order to buy more units. To do it: in the Savings tab choose the Standing purchase order option next to the register in question (the register must have an assigned number), from the drop-down list choose the account which will be debited to pay for the regular purchases of participation units, the payment description and the account will be populated automatically, enter the parameters of the standing order to define the interval of time at which funds are to be transferred to pay for the acquisition of the fund units, the date of the first payment and optionally the expiry date of the standing order, read and accept the displayed statement, click on the Next button, check the correctness of the data and press the Execute transfer button, authorise the transaction using smscode or a token. The execution of the order may take up to a few days from the transfer execution date. Figure: Acquisition of units How to sell the participation units? If you want to withdraw all or some of your money from an investment fund, you have to place an order for redemption of the participation units. in the Savings tab choose the Sell option next to the register in question (the register must have an assigned number and a value higher than zero), from the drop-down list choose the account to which money from the redeemed units will be transferred define the redemption volume - choose the method of defining the redemption volume (number of units, gross amount, net amount, entire register) - enter the respective value (number of units with three decimals, amount of money including groshes). If you choose to redeem the entire register, leave the field empty. choose the method of the units redemption (only personal customers) redemption of the earliest purchased units (FIFO), redemption of the latest purchased units (LIFO), redemption of units purchased at the highest price (HIFO) or individual selection, if you decide to choose the individual selection method, define the package sequence (see below), check the correctness of the data and press the Confirm button, authorise the transaction using smscode or a token. Figure: Redemption of participation units The execution of the order may take up to a few days Upon redemption of participation units a redemption fee may be charged (if the redeemed units are subject to such a fee) or, in the case of personal customers, income tax on savings profits (if the redeemed units have generated profits and are subject to taxation). If, as a result of redemption, the remaining number or value of units in the register is lower than the minimum required by the fund statutes, all units from that register will be redeemed. Methods of units redemption and conversion (personal customers only) If units acquired under different transactions (different packages) are recorded in the same register, it may be important which of them are to be redeemed since different purchase prices and different purchase dates may have an influence on the tax and charges payable. If units were acquired in a single transaction (one package) the redemption method is irrelevant, similarly as in the case of redemption of the entire register when all unit packages are redeemed. If a number of unit packages are recorded in a register, the units are redeemed by packages depending on the redemption order size one by one, until the whole transaction is executed. The following redemption methods can be chosen: First-In-First-Out (FIFO) The execution of the transaction starts with the oldest units and the youngest units remain in the register. Last-In-First-Out (LIFO). The execution of the transaction starts with the youngest units and the oldest units remain in the register. Highest-In-First-Out (HIFO). The execution of the transactions starts with the packages containing units with the highest purchase price. Individual selection method. In this option, you decide about the sequence in which your units are redeemed.

17 Selection of units for redemption or conversion If you choose an individual selection method when redeeming your units, an additional screen will appear on which you will have to define the sequence of package redemption. The following parameters are assigned to each package in a register: purchase date, number of units and current value. Click on the Select button next to the package which you want to redeem first. Number 1 should appear next to that package. Click on the Select button next to the package which you want to redeem as second. Number 2 should appear next to that package. Click on the Select buttons next to other packages. The packages for which sequence of redemption is not selected shall be redeemed in the sequence in which they are displayed on the screen (top-down). After confirming the selected sequence you will be redirected to the redemption or conversion confirmation screen. Figure: Selection of packages for redemption How to convert participation units? If you want to withdraw your money from one fund and invest in other fund, you can do it quickly and easily by placing a conversion order. To do it: in the Savings tab choose the Convert option next to the register whose units you want to convert into units of another fund (the register must have an assigned number and a value higher than zero), choose a target fund from the list of available funds. if you want to make a conversion to an existing register, select the register on the list. if a new register is to be opened as a result of conversion, select the proper flag read the summary information prospectus of the target fund. choose the method of defining the conversion volume (number of units, gross amount, net amount, entire register see below). define the conversion volume (number of units with three decimals, amount of money including groshes). If you choose to redeem the entire register, leave the field empty. choose the method of the units redemption (personal customers only): redemption of oldest units (FIFO), redemption of youngest units (LIFO), redemption of highest price units (HIFO), individual selection (see above) If you choose individual selection, specify the sequence of packages to be redeemed (see above). Check the correctness of the data and press the Confirm button authorise the transaction using smscode or a token. Figure: Conversion of units The execution of the order may take up to a few days. Upon redemption of participation units income tax on savings profits may be withheld (if the converted units have generated profits and are subject to taxation) or a differential distribution fee may be charged (if the target fund has a higher distribution fee than the source fund and the conversion is made for the first time). If, as a result of conversion, the remaining number or value of units in the register is lower than the minimum required by the fund statutes, all units from that register will be redeemed. The same effect may be obtained when the participation units in the source fund are first redeemed and then participation units of the target fund are acquired, however, a conversion order offers a number of additional benefits: a single conversion order will be executed faster than two consecutive orders, an upfront fee may be charged in respect of a redemption order, in the case of conversion, a differential distribution fee will never be higher than the acquisition fee, in the case of conversion to a fund with the same level of distribution fee, the distribution fee will not be charged, in the case of conversion to a fund with a lower distribution fee, the distribution fee will not be charged, in the case of first conversion to a fund with a higher distribution fee, the distribution fee will be charged, however, only in the amount equivalent to the difference between the fee rates in the source and target funds, after returning to the source fund through another conversion to a given register (for example, 1% rate >>0% rate>>1% rate) the distribution fee will not be charged. How to define the redemption or conversion volume? When placing redemption and conversion orders, their volume may be defined in four ways: Number of units. Specify the number of units which are to be redeemed. As a result of redemption, you will receive the amount of money which is a result of multiplication of a number of units and unit value, after deducting the tax and applicable fees, if any. In the case of conversion, the resulting amount, after deducting the income tax, differential distribution fee and additional charges, if any, will be used to pay for participation units of another fund. Gross amount. In the case of redemption, the register balance is reduced by the number of units equivalent to the order value. The amount specified in the order will be reduced by the potential taxes and charges. In the case of conversion, the amount will be used to pay for the purchase of participation units of another fund. Net amount. In the case of redemption, you will receive the amount specified in the order. The balance of the register is reduced by the number of units equivalent to an amount specified in the order plus the potential taxes and fees, so that after

18 deducting the taxes and fees the net amount is obtained. In the case of conversion, the resulting net amount (after redemption of the respective number of participation units and deducting the differential distribution fee and additional fee, if any) will be used to pay for participation units of another fund. Entire register. All units recorded in the register will be redeemed or converted. How to view orders? The option Savings -> View orders provides access to information about the placed register opening orders and orders for the acquisition, conversion or redemption of Arka funds participation units. Order execution Orders concerning Arka funds are executed after a certain period of time following their placement. The waiting time can be determined according to the following rules: orders placed and paid for on a given valuation day before 9:00 a.m. shall be settled according to the valuation of that day and the information about executed transactions will appear on the night from D+2 to D+3. orders placed and paid for on a given valuation day after 9:00 a.m. shall be settled according to the valuation of D + 1 day and the information about executed transactions will appear on the night from D+1 to D+2. where D is the order placement day (provided the purchase price is paid on the same day) and D+1, D+2 and D+3 are the subsequent valuation days. How to repay your credit card? How to repay your credit card? In the Portfolio24 tab choose the option Repay next to the credit card which you want to repay and when the transfer order screen appears: choose the account to be debited with the credit card repayment select the repayment type from the drop-down list: minimum amount total credit other amounts if you choose Other amounts option, specify the amount (in the case of the first two options the field is automatically populated with data from the last credit card statement). specify the description of the payment (the default description Credit card repayment can be edited or overwritten). specify the transfer date if different from the current day (the system suggests the deadline by which the credit card should be repaid to avoid high interest charges). Figure: Credit card repayment How to transfer money from the credit card account? To make a money transfer from the credit card account, select the option Domestic transfers -> To 3 rd party accounts, To ZUS or Taxes. In the field From account choose the credit card account which is to be debited The account has to be displayed on the list of own accounts which can be debited/ credited through BZWBK24 services. In the case of money transfers from credit card accounts, the transfers can be made only through BZWBK24 Internet service. The transfer transactions is authorised using an smscode or a token. Transfers to predefined accounts are also possible. Money can be transferred to any PLN account with the exception of own accounts and transfers to other credit card accounts (i.e. money from a credit card account cannot be used to repay another credit card). A fee is charged for the executed transfer in accordance with the Schedule of Fees and Charges. How to top up your prepaid mobile phone? The Phone top-ups tab is available both to individual and corporate clients and is used to top up the account of a prepaid phone. The operation involves transfer of money from the bank account to the account of the GSM operator and is free of charge. When topping up your mobile phone in this way you can take advantage from promotional top-ups offered by the GSM operator Note: Transfers of this kind are subject to the daily limit of transfers to 3 rd party accounts. Figure: Mobile phone top-up If you often top up the same mobile phone numbers, it is convenient to create a list of such numbers to be used during the next top-up operations. You can do it in two ways : when topping up a mobile phone number select Yes next to the filed Remember the number and in the Save as field assign a name to the number, using the option Topping up online (in My profile menu).

19 If you have created a list of mobile phone numbers, when topping up the phones next time choose the option Predefined number in the field Phone top-up and then choose the number which you want to top up from the list. If you want to top up a phone number which is not on the list, choose New number in the field Phone top-up. In order to define a GSM telephone number from which SMS transactions will be executed, use the option SMS top-ups (in My profile menu). You can use it also to change the telephone number. In each case, the transaction will need to be authorised by means of an smscode or a token. Detailed information about available top-up amounts can be found on the operators websites and at You can also top up a prepaid phone using the BZWBK24 sms services and BZ WBK ATMs. How to check the exchange rates? In order to check the exchange rates, check the option Exchange rates on top of the screen. The table presents exchange rates currently in force in the Bank (with the time and date when the exchange rates become effective) and the average NBP rate. Below the exchange rate table there is a field where a date can be entered to select a table with historical exchange rates (from 1 March, 2004). How to buy and sell foreign currencies? Thanks to the option Fx transfers > To own account you can make FX transfers between your own accounts. When you make a money transfer between an account kept in PLN and an account kept in a foreign currency it is equivalent to a foreign currency buy transaction. When you make a reverse transfer, it is equivalent to an FX sell transaction. Terms and restrictions The total value of money transfers executed on one day may not exceed PLN 800,000 (equivalent amount)* and of a single transaction may not exceed EUR 200,000 (equivalent amount)*. The minimum transfer value is PLN 5 (equivalent amount)*. 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 both accounts are kept in the same currency). Transfers cannot be saved under unreleased orders. An FX order to own account held with the Bank is free of charge. FX transfers to own accounts can be executed by all customers using BZWBK24 Internet service. * The above specified limits are subject to changes. Currently applicable limits can be found at Money transfer execution From account, To account select own accounts from the list Dr amount, Cr amount enter the amount to be transferred in one of the fields and the system will calculate the other amount according to the applicable exchange rate table and populate the field automatically. The order will be executed no later than by the end of the following business day. Note: If at the time of placing the order, the Bank s exchange rates table changes, the transaction will be rejected. View orders FX transfers between own accounts can be viewed and printed off under Released orders > View orders option. If the transaction description is underlined, detailed information about the transaction is available. To view it, click on the selected transaction description. For FX transactions, in addition to the general data displayed under View orders option, the applied exchange rates and the number of the exchange rate table are additionally shown. Figure: Buying/ selling foreign currencies How to activate Sorbnet? Corporate clients can choose the Sorbnet money transfer system. If you want to activate the Sorbnet option for executed money transfer orders, in the option My profile > Data display select the field Sorbnet transfer available. Note: Activation of this option requires confirmation using a token /smscode. The option is not available to personal customers. How to change the PIN password? Change of the PIN password in the BZWBK24 Internet service is very easy. When you enter My profile tab on top of the screen, choose the Change of PIN option, complete the relevant fields and confirm the change. How to modify the contact data? Personal clients can modify their contacts details using the BZWBK24 Internet service.

20 The following data can be changed: mailing addresses, electronic channel contact details (home telephone number, mobile phone, address). You can change your main mailing address and the mailing addresses for a selected account or all your accounts (i.e. personal accounts, credit card accounts, deposits, credit card accounts). The change of contact data requires confirmation by means of a token or an smscode. The change becomes effective as of the next business day. Note: This option is not available to corporate clients. Change of the main mailing address/ all mailing addresses choose the option My profile > My data, enter the correct data (address or the electronic channel contact details), select the statement confirming that the mailing address is to be changed, optionally, select the statement that the address should be changed for the new one for all your accounts, click the Save button, confirm the instruction using an smscode or a token. Change of the mailing address for a selected account: choose the tab Portfolio24, choose the Details option next to the selected account, select the Change data button, enter the correct data, select the statement confirming that the address for the account should be changed, click the Save button, confirm the instruction using an smscode or a token. How to open an account or order a card at a click? The tab Our offer for you gives personal clients quick and convenient access to the product range of Bank Zachodni WBK S.A. Using the tab, you can learn about the available banking products and acquire them quickly. You can buy the selected banking products at a click (fully automatically, at an instant, without a need to visit the Bank or wait for the courier), and for other products you can file an online application (the agreement will be signed via a courier or at the Bank s branch). The contents and functionalities of Our offer for you tab depend on whether you are adult, whether you gave your consent for receipt of marketing information via electronic channels and on the banking products you already have. If you have agreed to receive marketing information via electronic channels, in the tab Our offer for you, you will find proposals of services addressed specially to you, if possible, including the personalized credit offering (the amount of credit you could apply for, e.g. personal account overdraft, cash loan, credit card limit). The side menu contains proposals prepared specifically for you broken down into the following categories: Loans cash loans, credit cards and personal account overdraft, Savings and accounts personal accounts, savings accounts, term deposits, Arka investment funds, Cards cards issued to accounts, prepaid cards, Insurance car insurance, card insurance, Open-Ended Pension Fund. In order to acquire the majority of banking products (e.g. an account, a card) at a click you have to be adult, be an active user of BZWBK24 services authorised with a token or smscodes and have a BZWBK24 Electronic Services Agreement signed after 19 January, If you signed your agreement earlier, you can sign a new agreement in any of the bank s branches or update it without leaving your home see the chapter How to order a new BZWBK24 agreement?. At present, the following banking operations can be executed at a click : opening of a PLN or FX personal account (with or without a card), opening a PLN or FX savings account, ordering a payment card for the personal account held (you will receive the card by mail), covering the payment card with insurance under the Financial Insurance Package Pewne Pieniądze (Safe Money). The range of the offering will be broadened in the future. The process of acquiring a banking product at a click is always similar (with minor differences for specific products): choose the product which you want to purchase from the offer presented under Our offer for you tab, read the detailed product description, define the product parameters (account/ card type etc.) by entering data in the respective fields on the screen, enter your contact address, the regulations pertaining to the acquired products are immediately sent to the specified address (e.g. rules, schedules of fees and charged, insurance terms, etc.), read the agreement or statement displayed on the screen (it is also recommended to save the text of the agreement/ statement as a file on your computer hard drive), accept execution of the agreement in the electronic form (use of an smscode/token is required). The banking product will become available as soon as possible. The precise information is always given at the end of the purchase process.