USER S GUIDE ONLINE BANKING Internet Banking of UniCredit Bank Czech Republic, a.s. Aktualizace k Verze 1.6

Transcription

1 USER S GUIDE ONLINE BANKING Internet Banking of UniCredit Bank Czech Republic, a.s. Aktualizace k Verze 1.6

2 TABLE OF CONTENTS: 1. Introduction 3 2 Security First of All Security Token 4 How to work with the security token? 5 How tochange the PIN? 5 How to unblock the token? 5 Loss or theft of the security token - blicking access 6 Security token maintenance Mobile Security Token 6 Login to the application 7 Signing (authorization) of transactions Other Security Features 7 3 BusinessNet Other Internet Banking Products Multiple-access options within the internet banking family 8 Managing accounts of several clients within a single login 3.2 Greater flexibility in the application setup 9 4 Logging into Internet Banking Minimum Technical Requirements 10 References for login to internet banking First Login 10 First login by means of the security token 10 First login by means of a mobile token 11 5 Working with the application Overviews in general Action Menu Searching Printing and Exporting Quick Navigation My Favourites Function 15 6 Finances Accounts 16 Financial overwiev 17 Account Details 19 Account History 20 Uncounted Transactions 6.2 Cards 20 Debit Cards Overwiev 20 Credit Card Overwiev 25 Card History 1

3 6.3 Securities 27 Securities Depot History 27 7 Transactions 31 Canceling transactions in the Overview 7.1 Domestic Payments 32 Standard Domestic Payment 32 Settlement of the card 32 Recharging/M-Payments 33 List of Templates and Beneficiaries Domestic 34 List of Domestic Beneficiaries Foreign Payments 38 Foreign Payments Overview 38 Conversion between client s own accounts List of foreign beneficiaries 7.3 Standing orders 42 Standing Orders Overview 42 Domestic standing orders 42 Foreign standing orders 45 Cancellation of standing orders change of standing order 8 Term deposits Term Deposits Overview Ordering a term deposit 55 9 To sign signing and sending transactions to the Bank Messages Inbox Outbox Notifications Notifications Overview Conclusion Help Telephone support What to do when you encounter a problem? language versions of aplication Logout from the application 64 1 INTRODUCTION Dear Client, We are pleased you have decided to use Online Banking, a modern internet banking service designated specially for individuals and corporate clients. Together with the new Online Banking service, the internet banking family of UniCredit Bank Czech Republic, a.s. has been increased by another internet banking product called BusinessNet designated in particular to corporate clients. Internet banking services will enable you to manage your financial flows simply, comfortably, securely and effectively for 24 hours a day, 7 days a week. You can connect to the Bank from any country at any time using a standard PC equipped with an internet browser. It is up to you where you want to manage your finances - whether from the comfort of your home, your office, your business trip or from the place where you spend your holidays. The application s functions are programmed to be used by users as easy and comfortably as possible. This manual is intended to guide you through the applications and simultaneously to assist you to use them properly. The application itself contains the Help option to provide you with the step-by-step guidance in using the system. In addition to the Help function, you can also call telephone lines Our operators will advise you about proper using BusinessNet s possibilities and help you with problems that may occur as you work with the application. The highest security degree offered by the latest information technologies is a basic parameter of the application. Banking security is especially provided when using the internet by means of a security token that allows you to log in securely to the system and to sign (authorize) all transactions you send through internet banking to the Bank for processing. The security token which looks like a small calculator is portable, simply managed and moreover it generates a code that is valid for a limited time, thus protecting you against any possible attack. You will be also able to use this token for your identification during calls to our tollfree client line. In addition to security, comfort, availability and simple manageability, internet banking can also bring you an interesting saving of charges. Compared with fees for standard payment orders for individual transactions fees for payment services are by up to 100% more advantageous. If you regularly use internet banking for the current management of your financial means, you will find out soon how significant the financial effect will be by applying this way of the account management. We have developed a service in tune with the 21st century that will enable you to manage your finances simply, comfortably and securely. Why not to get connected to us and try it out? We wish you much success in making your financial transactions in the internet banking environment. UniCreditBank Czech Republic, a.s. 2 3

4 2 SECURITY FIRST OF ALL The most important feature of the whole internet banking architecture provided by UniCredit Bank Czech Republic, a.s. is its security. The applied solution is based on international experience and knowhow developed within the banking group and has earned security certificates of renowned foreign auditing companies. The user can choose the security type by means of the security token or through a mobile security token. 2.1 Security Token Internet applications of UniCredit Bank Czech Republic, a.s. are secured by using the so-called electronic security token in the form of a small calculator provided to every internet banking user at the Bank s branch. After obtaining the security token from the Bank, the user will choose a 4- digit PIN and enter it into the electronic security token. The device generates a unique security code that is valid for a very limited period of time (tens of seconds). These unique codes are used especially for: the user s authentication, i.e. the remote verification of the user upon the login to the internet banking application the transaction authorization, i.e. the signing of active transactions sent to the Bank (for more information see the chapter SIGNATURE FOLDER ). The security token contains a programmed coding algorithm and a coding key. Authentication/ authorization is made on the principle of symmetric coding on the side of both the user and the Bank and on comparing their results. If a transaction requires to be confirmed so that it is clear that it is really carried out by you by means of your security token, you have to enter your security code that will be automatically generated by your security token after you enter your PIN. The identically set authentication/ authorization application running at the Bank s server will generate the identical authentication code and compare it with your code. If both codes are identical, everything is in order and the transaction will be successfully carried out. If both codes differ, the transaction will not be carried out and the client will be called to enter the correct authentication code. The security code is always unique for the moment of verification, i.e. you have to generate a new code for every transaction. The time limit for validity of the generated security code makes it in fact impossible for a potential hacker to abuse it. This applies especially in cases of phishing (malicious acquisition of user access data by means of false s or internet pages) because even if a hacker acquired the security code entered by you, it would be already invalid by that time. Important: The Bank never sends requests for information by concerning your sensitive data, such as your user number, etc. If you receive such , do not respond to it. Another big advantage of using security tokens is their separability from the computer. When you want to use a token, you do not need to install anything in your PC or internet browser. Unique security codes are generated directly in the token without any connection with the PC and therefore it is impossible to remotely eaves drop such codes from your PC, which protects you against the so-called Trojan horse attacks. How to work with the security token? When you sign the Contract with the Bank, you will receive the security token and a Bank s officer will explain you how to use it. The procedure is as follows: switch on the security token (press the arrow button on the lower right-hand side) New PIN will appear on the display, enter a 4-digit number (known only to you) PIN CONF will be displayed, reenter the PIN to confirm your PIN the generated security code will be automatically displayed the security token is prepared to be used again you can switch it off (press the arrow button on the lower right-hand side). Important: Your security token is protected by your PIN known only to you. Do not disclose this PIN to anybody, do not write it down (especially not directly on the token)! For security reasons you will have to remember it. How to change the PIN? If you are afraid that any third person has revealed, even if by chance, your PIN, change it as follows: switch on the security token (the arrow button) enter your PIN and generate a security code press the arrow button and hold it for about two seconds until you are called to enter a new PIN ( New PIN ) enter a new PIN PIN CONF will be displayed, reenter your new PIN to confirm it your PIN has been changed and you will enter the new PIN when you use the token next. Note: Do not use simple numbers, such as a date of birth, birth identification, your house number, etc. as your PIN. These numbers are easy discoverable. It is worth, without any doubt, applying and remembering the number that cannot be revealed too easy. How to unblock the token? If you enter an invalid PIN three times consecutively (FAIL 1, FAIL 2, FAIL 3 will be gradually displayed), the token will be blocked (LOCK PIN and a 7-digit number will be displayed). In such case, you have to contact the help line tel. number , identify yourself by using the so-called secondary identification, i.e. your user number (see your Contract), password, or other data and to unblock the token with the operator s help: 1. after your identification is verified, the operator will ask you for the 7-digit number displayed under LOCK PIN on your security token 4 5

5 2. then the operator will give you the unblocking code, you will enter it to the security token; If you enter an invalid unblocking code provided by the operator three times, your security token will be totally blocked and you will have to exchange it at the Bank s branch 3. then you will be called to enter and confirm the new PIN Loss or theft of the security token blocking access If you lose your security token or in any other situation when you need to block access to internet banking, please contact the help line tel or your bank advisor and ask for the blocking of access to internet banking. Then visit the branch where you will receive a new security token. Important: If your security token is lost or stolen, inform the Bank without any delay so that your security token can be blocked. Security token maintenance The security token is an electronic device produced to withstand common use. It is, however, necessary to avoid situations that could result in its failure, such as high temperatures, contacts with chemicals, water or drinks and hard impacts. The security token runs on a power battery with a very long lifetime (about 7 years), which in combination with the low consumption of electronic circuits has made the manufacturer embed batteries firmly, without any possibility of being exchanged. If the battery is flat in the token, the entire security token will be exchanged free of charge at the Bank s branch. 2.2 Mobile Security Token Internet applications of UniCredit Bank Czech Republic, a.s. can be also secured by a mobile security token. Its security standard is equal to the security token. When arranging this type of security, the user will designate an adress for sending the entry security code and his mobile telephone number for sending single SMS codes. Login to the application To log in to the application, you will fill in: the user number (given in the Order to set the user) the entry security code (sent by ) After you click on the Confirm button, an SMS code will be sent to your mobile telephone. You will fill in this code on the following screen: By clicking on the OK button you will finish the login and the Overview of accounts and balances will be displayed on the screen. Signing (authorization) of transactions You will only click on the Send mobile (SMS) code field in the To sign folder. You have to fill in the code sent by an SMS message to the Mobile security token code field. You will finish the authorization by clicking on the Sign button. Coded data communication between the Bank and the user Secure data transmissions between the Bank and your compute are ensured by the so-called 128-bit coding (SSL version 3.0) protecting the data against any abuse during the transmission. The coding protects the confidentiality of information being transmitted and is considered absolute secure. Daily limit at the user s level When signing the Contract, every user 2.3 Other Security Features In addition to the security token as the principal security feature, internet banking of UniCredit Bank Czech Republic, a.s. is protected by other important security features, such as for example: can determine an individual daily limit for his transactions made through internet banking. This limit is automatically monitored at the level of the application that will not allow entering payments above the limit determined by the user during one day. 6 7

6 Login Information sent to your New internet banking has a security innovation and a means of prompt control that allows setting an automatic message generated by the system and sending it to your address (or even more addresses) whenever there is the successful login to the system. 3 BUSINESSNET OTHER INTERNET BANKING PRODUCTS In addition to Online Banking a service created to satisfy especially individuals and corporate clients, UniCredit Bank Czech Republic also offer BusinessNet Basic and BusinessNet Professional a service designated especially for corporate clients. BusinessNet Basic compared with Online Banking, this service also offers: a) statements of accounts maintained with UniCredit Bank with their possible exporting to the accounting system b) importing domestic and foreign payments from a file created by the accounting system and their comfortable processing c) an option to set structured signature rights (the so-called Multisignature) at the level of the user and the account. BusinessNet Professional also offers compared with BusinessNet Basic: a) statements of accounts maintained with other banks delivered by means of the SWIFT message MT940/MT942 with their possible exporting to the accounting system b) the Cash Management function a list of final balances in accounts maintained with the Bank and final balances in accounts maintained with other banks with their possible addition. For more information about BusinessNet, internet banking services, please visit or contact your bank advisor at the Bank s branch. Our tip: Try the DEMO version at www. unicreditbank.cz 3.1 Multiple-access options within the internet banking family The Online Banking and BusinessNet applications are based on a single technological platform, which enables them to work together. Moreover, their design, menu structure and manner of use are almost identical. This interconnection, therefore, creates new possibilities for use of internet banking for both private and business purposes with a single login. Managing accounts of several clients within a single login If you are authorized as a user to access the accounts of several clients through internet banking, you no longer need Personal Numbers for all the other clients. Now you can work with one Personal Number and just one security token. At login, you can choose whether you wish to work with all the accounts or just with selected ones. This innovation accommodates the needs of clients who have not only their private accounts but also their corporate accounts with the Bank and who wish to manage them through internet banking using a single Personal Number and token. In such a case, you will need two internet banking products, namely Online Banking for your private accounts, and For example, BusinessNet Basic for your corporate accounts. Upon logging in, you will choose which product (Online Banking or BusinessNet) you wish to work with first. This selection can be changed at any time while using the application by clicking the Product / Client menu item. At maximum, then, you can use the accounts of several clients and several internet banking products simultaneously within a single login. 8 9

7 3.2 Greater flexibility in the application setup You may especially appreciate this innovation if you are a client who authorizes other users to have access to your accounts through internet banking. Now you have greater flexibility in setting up the rights of individual users for a given account and, therefore, you can better differentiate various levels of access. In the Agreement/Authorization, you may specify the following 3 basic kinds of authorization for a particular user and account: Signature rights Based on this authorization, the relevant account will or will not be displayed in the Signature folder and the user will or will not be able to sign payments or instructions in relation to it (e.g., establishing a standing order). The authority will make it possible for you, as the owner of the account, for example to define a user who will only prepare payment orders but will not be able to sign them and send them to the Bank for processing. Only you, as the owner of the account, will then have the authority to complete the transaction. Establishment/change of payment order Based on this authorization, the relevant account will or will not be displayed in payment orders and the user will or will not be able to enter a payment or any other instructions (e.g., establishing a standing order) in relation to it. Access to all activity records Based on this authorization, the Online Banking application will (or will not) give a user access to records of the activities of other users having access to the relevant account. All activities of each user defined for the given account can be monitored under the Activity records menu item. All authorizations are usually available for the user it depends only on you whether or not you as an account holder will want to limit authorized persons users in any manner. The Bank will perform the setting according to your instruction in the Order to set the user. If you want any change, you will have to visit your branch. 4 LOGGING INTO INTERNET BANKING 4.1 Minimum Technical Requirements The UniCredit Bank Czech Republic, a.s. internet banking family operates as a pure web/html application. This means you do not have to install anything on your computer (as it is necessary e.g. in case of electronic banking systems). All you need to do is to click on the internet link and to log in to the application. With respect to the security requirements for internet banking, your computer must have a certain degree of configuration (set up). In other words, your computer and browser must be of a certain minimum version or configuration necessary for the correct functionality and security of internet banking. Important: The current minimum technical requirements for using internet banking of UniCredit Bank Czech Republic, a.s. can be found in the List of Direct Banking Services and Parameters at the web sites onlinebanking. References for login to internet banking You can log in to Online Banking and BusinessNet, internet banking services on under the reference Online Banking Login and BusinessNet Login. 4.2 First Login After you click on the internet banking login link, the initial login screen will appear. The first login differs by the way of security you use. First login by means of the security token Enter the following data to the respective fields on the login screen: your user number (given on the Order to set the user) the code generated from the security token. To generate the security token, switch on the token by pressing the arrow button (on the lower right-hand side) and enter your PIN. Enter the security code that will appear on the display to the Security Code and click on the Login button. You can choose the language version of the application on this introductory screen (Czech or English). Note: If you have access to more products/ accounts of more clients, the screen with the option of choosing the particular product or account will appear after you click on the Login button. (For more information see the chapter Multiple access options within... ) If you have access to only one product/ account of one client, the introductory screen of the application will appear displaying a List of Accounts and Balances. First login by means of a mobile token Enter the following data to the respective fields on the login screen: your user number (given on the Order to set the user) the entry security code you have received by

8 After you click on the Login button, the application will ask you to change the entry security code that must consist of just 6 digits. At the moment when you confirm the change in the entry security code, a security code will be sent to your mobile telephone by an SMS. access to the application, please contact our help line After our operator identifies you based on the code generated by your token, he will unblock your access to the application. provide for a uniform approach and control over the data displayed, such as: account, debit and credit card, and securities overviews, and overviews of domestic, foreign and standing payment orders. Important: The individual order of the items in the Overview chosen by you, will be kept after logging out and the next logging in to the application. Fill in the SMS code you have received by the SMS message to the SMS security token field. Important: If you enter an invalid security code three times, access to the application will be blocked. For security reasons the Incorrect Attempt at Login message will appear on the screen at any time you enter an invalid security code. To unblock the 5 WORKING WITH THE APPLICATION Before describing the main functions of Online Banking, we would like to acquaint you with the new control features of the application designed to promote user convenience. 5.1 Overviews in general The Online Banking application is made up of many screens, or overviews. These The data in these Overviews are arranged in an order and sequences defined by the Bank. Individual items can be ordered in the Overview under a random column by clicking on the respective column name in its heading, where by the items will be ranked either in an ascending or descending order. If you want to rank the items in the other direction, you need only to click again on the respective column name. For example, by clicking on the term Amount in the heading of the Domestic Payments Overview, all items will be ranked from the largest amount to the smallest one. If you want the opposite order, click again on the term Amount. The currently chosen ranking order is displayed by small red triangles in the Overview indicating the direction (up/down). If you want to return to the original setting defined by the Bank, choose the Reset sort order in the selection field at the bottom of the overview. 5.2 Action Menu Another control element in the application is the so-called Action Menu which can be found at the bottom of most Overviews. This control element includes: 1) Actions common for all Overviews, for example numbers of items displayed per page (5, 10, 50, 100, etc. per page) or the option to return to the default ordering for the given Overview defined by the Bank, i.e. the Reset Sort Order item. Note: The pagination item will be displayed only if the number of items in the list exceeds the determined minimum of 5 items. If the number of items in the list exceeds the set number per page, additional pages will be created. You can move between these pages by using the page browse button

9 Important: In case of printing or exporting in the csv format (to Excel) such paginated list, the entire list will be always printed or exported. 2) Actions that are different by the type of the Overview in which the Action menu is located. For example in case of Overview of transactions, the action menu can be used for staring a screen for entering a new transaction. If the Overview contains check boxes before individual items in the list, it is possible to use the Select All command to mark them all at once or the Deselect all command to clear all the boxes at once. 5.3 Searching Lists of items in the Overviews can be also searched by means of 2 types of searching criteria: basic searches are generally located at the top of the given Overview and will enable you to search the required items of the list according to the main criteria, i.e. account, status, type of the payment order, etc.) advanced searches More search criteria are located under the icon. By clicking on this icon, additional search criteria will be displayed that can specify your search, i.e. for example amount from to, transaction detail, etc.). Our tips: If you are searching for a particular amount, enter the same value to the Amount from to fields. If you are searching, for example, for a transaction with the loan instalment information for the beneficiary, you need only to indicate the word instalment to the Transaction details search field and the application will automatically search for such transaction using the so-called full-text searching procedure. Such searching does not depend on capital and small letters and you do not have to know the full and precise wording of the payment title, but only its part, and the application will display all transactions concerning characters entered by you (you can only enter pay for searching the entire loan instalment information). The search itself is always made by pressing the Search button, the Reset button will return the searching criteria into their default values. 5.4 Printing and Exporting Printing from the application is implemented by using the print icon in the right upper corner of the screen. Clicking on the icon, you will call a print dialog window: Step 1 Click on the print.pdf link that will initiate the creation of a print file in the pdf format. This will enables you to print all details displayed on the respective screen. Step 2 You can save the generated pdf file to your computer for the later use. Our tip: You can send the saved pdf file as an attachment to the to your business partner. The Back button will return you to the Overview and the printing dialog window will disappear. Important: In order to display a pdf file, you need to have Acrobat Reader installed that is already a standard part of most computers. If you do not have Acrobat Reader installed, contact our client line for assistance in the installation. If the number of items to be printed is large, the creation of a print file in the pdf format could require several tens of seconds. In the Transaction history overview you can also export items from the list by means of the Export button (below the list of displayed items) in the so-called csv format, which is a general format for viewing in, for example, Excel. Clicking on the Export button will again display the dialog window: Step 1 Click on the export.csv link that will launch displays of items of the file, for example in Excel, with which you can further work. Step 2 You can save the generated Excel file to your computer for the later use. The Back button will return you to the Overview and the export dialog window will disappear. Note: If Czech characters with diacritics appear incorrectly and the words are unreadable when you export in the csv format, try to choose another type of format from the drop-down menu in the Settings > General > Character encoding menu. Important: Exporting in the csv format is used only for facilitating the work with the items in the Transaction History Overview for example by means of Excel. In no case do we recommend you to program interconnections for example to the accounting above such outputs, because the Bank does not guarantee this format. If you need to transfer transaction information to the accounting, please use new product BusinessNet

10 5.5 Quick Navigation My Menu Function 6 FINANCES Just as you use the favourites function to save your favourite web sites for the further use, you can also use the My Menu function in this application in order to simply save your most used menu items. By clicking on the Add to favourites icon in the upper right-hand corner of every screed, this menu item will be automatically added to the My Menu menu located on the left-hand side above the main menu. Using this list, you can quickly and simply call up the desired screens by clicking on the item concerned in the My Menu menu, i.e. without the complicated searching of the menu structure. Note: As an example for you, the Bank has entered the Overview of domestic payments item to this list. You can further modify these items in the My Menu list in the Settings > My Menu, i.e. for example to change the order in the list or to delete these items..j The Finances menu consists of three basic areas: Accounts a summary of your accounts and balances and their history Cards a summary of your debit and credit cards and their history Securities a summary of your securities portfolios and their history 6.1 Accounts After you successfully log in to the application, you will see a screen automatically displaying a summary of your accounts and their balances. The Accounts screen provides you in a well-arranged display with the most important information about accounts maintained with the Bank and available through internet banking. This includes especially accounts listed by their type, current information on balances, recent transaction history in the selected account, and a summary of balances that can be summed. You can also set your own name for each account here using the My name function. By clicking on the respective account its detail will open, you will give your account name and save it by clicking on the Save icon. The name will be displayed in the Account Overview screen below the official account name and then in all drop-down lists containing the respective account, thus facilitating your orientation. The screen is divided into two tabs placed next to each other, i.e. Account Overview the tab appears automatically after you click on the Accounts item in the menu. Financial overview this item will be displayed after you click on this tab The Accounts Overview tab consists of the following parts: Current accounts A list of current accounts maintained by the Bank and assigned to the user with the account balances displaying. Term deposit accounts A list of term deposit accounts maintained by the Bank and assigned to the user with the account balances displaying. Loans and other accounts A list of credit accounts maintained by the Bank and assigned to the user with the balances displaying. Accounts of other, less common, types can be also displayed here

11 Transaction history A list of transactions accounted in the chosen account during the last days. Each part can be minimized or maximized by clicking on the Hide/ Show icon. This setting is maintained even after you log out and then log in to the application again. You can also set your preferred account here that is highlighted in green in the Account Overview and is always displayed first in the drop-down lists. Financial overview The Financial Overview tab includes the search criteria area and a list of accounts with their balances given. You can click on the History icon located on the right side with every account to display the Transaction History screen for the respective account where you can use advanced search criteria to go through the transactions accounted in such account. When you click the Accounts Banking Setting button, the Settings > Banking screen will be displayed where you can set the number of days displayed in the Transaction History part. Search criteria area You can use search fields to limit the records displayed in the list of accounts for displaying only accounts belonging to a certain account holder, accounts of a specific type or accounts maintained in a certain currency only. The Display in currency field is used for translating balances into one currency. In order to translate amounts to other currency, the Bank s cheque mid rate is applied; translations are for information only and are not binding. After choosing the search criteria, you have to press the Update button to update the list of accounts and to translate the balances into the chosen currency. To reset the search criteria, click on the Reset button. List of accounts If the accounts mentioned in the list are denominated in one currency or if the translation into one currency is made by means of the Display in currency search field, a checkbox will be displayed before each account. Account balances designated by means of the checkbox can be summed by clicking on the Sum the chosen button. Account Details After you click on the account line, the Account Details screen will be displayed. The screen consists of the following parts: 18 19

12 search criteria, the display of the transaction details is a matter of fact. In the lower part of the screen there are total values displayed (the numbers of items, sums of amounts) related to the transactions complying with the set search criteria. - these are e.g. payments with a payment card made e.g. on The available account balance will be decreased by such amount, but the transaction will be accounted for only at when it also appears in the account history. Account Details The basic account data, such as the account number, the IBAN account number, the account currency and type, data on the account holder and the account status, the account name set in the Bank s system. You can set your own name for the account by clicking on the Save icon and such account name will be then displayed with the account number. Other account details You can maximize or minimize the part by clicking on the Hide/Display icon. The maximized view displays three columns containing balances denominated in the currency account, in the Bank s domestic currency or in euros. Individual lines display the Current Balance in the account from which pre-accounted payments and blockages are deducted. It also displays the final Balance and the Overdraft Limit value, if available, that is included to the Available Funds figure. Account History The Transaction History screen provides you with a summary of transactions accounted in the chosen account. In order to find particular transactions, you can use the advanced Intraday movements The Intraday movements screen displays an overview of transactions made, however, unaccounted in the Bank s system, i.e. they cannot be found in the history. 6.2 Cards The Cards Overview screen displays well-arranged information on debit and credit cards in three basic sections as follows: Debit Cards Overviews Credit Cards Overviews Transaction history of a selected card for the past x days 20 21

13 Important: 1. Debit cards associated with an account maintained in UniCredit Bank will be displayed automatically in the internet banking application if the user has access to the account through internet banking. 2. Credit cards will be automatically displayed in the internet banking application no later than within 3 banking days after they are activated at the Credit Cards hotline if the credit cardholder has access to the account with UniCredit Bank through internet banking and depending on the type of the cardholder: a holder of the main credit card can see the main credit card and all additional credit cards in the Overview a holder of the additional credit card can see only his additional card in the Overview Note: Unless you see any of your cards in the application, please contact our Client Line given in the application (in the menu at the bottom left) or the Credit Cards hotline Information displayed in the Cards section of internet banking is updated at the previous banking day. Debit Cards Overview The Debit Cards Overview displays current information concerning debit cards issued to accounts maintained with UniCredit Bank that are available for you in the internet banking application. The Overview contains basic information on debit cards, such as card number and product name account name associated with the debit card debit card type, i.e. main/additional cardholder s name total limit and currency You can change the sorting of individual debit cards in the Overview as necessary by clicking on the column heading. If you want to return to the default setting given by the Bank, simply click on the Reset Sort Order item in the drop-down menu under the Overview. After clicking on the line of the respective card, the Card Details screen will be displayed containing detail information about the debit card, i.e. compared with the information in the Overview it also displays: Item in the detail Description Credit Cards Overview The Credit Cards Overview list contains current information about credit cards held by the internet banking user with an account maintained with UniCredit Bank. The Overview contains basic information as card number and product name credit card type, i.e. main/additional card holder s name due date credit limit and currency topical due amount, i.e. an amount after the credit card payment Total limit/period Cash limit Transactions without a card Additional services Status Valid to A limit for cash and non-cash transactions made with a card. Period means a renewal period for such limit. We distinguish only the daily period. Part of the Total Limit, i.e. the cash limit only (e.g. for AMT withdrawals). An option to use the card for online payments or for other so-called MO/ TO transactions (postal and telephone orders). If this fields is marked as Blocked, such card cannot be used for online payments or for mail or telephone orders. If the field shows Active except for online payments, the card can be used for mail and telephone orders, however, online payments are blocked. They include various types of insurance associated with the card. An up-todate list of additional services provided to cards is available at the Bank s web sites. There are 3 basic status types: Active, Blocked and Closed Active cards can be fully used. If you want to find out whether a Blocked card is blocked temporarily or permanently, place call our Credit Cards hotline If your card is Closed, it has been cancelled. However, you can see the history of card transactions for the past 15 months even for a cancelled card. Month and year of the card s expiry. The card is valid until the last day of the specified month. In most cases, the Bank automatically sends a new card by registered letter to your address a month before the card s expiry

14 Item in the Detail Credit Limit Cash Limit / Period Billing cycle Interest rate Transactions without a card Description Static Details of Credit Card A limit given in the Application/Contract for cash and non-cash transactions made with payment cards. A limit for cash and non-cash transactions made with a card. Period means a renewal period for such limit. We distinguish only the daily period. A day in the month on which the credit card statement is generated. If such date falls on a non-banking day, the statement will be generated one banking day prior to such date. A monthly contractual interest rate determined by the Bank for the respective credit card. Interest always accrues as from the transaction date. An option to use the card for online payments or for other so-called MO/ TO transactions (postal and telephone orders). If this fields is marked as Blocked, such card cannot be used for online payments or for mail or telephone orders. If the field shows Active except for online payments, the card can be used for mail and telephone orders, however, online payments are blocked. You can change the sorting of individual credit cards in the Overview as necessary by clicking on the column heading. If you want to return to the default setting given by the Bank, simply click on the Reset Sort Order item in the drop-down menu under the Overview. After you click on the card line, you will see the Card Details screen. Bnobr19.jpg The screen contains detail information about the credit card, compared with the information in the Overview, it also displays: Additional Services They include various types of insurance associated with the card. An up-todate list of additional services provided to cards is available at the Bank s web sites. Status There are 3 basic status types: Active, Blocked and Closed. Active cards can be fully used. If you want to find out whether a Blocked card is blocked temporarily or permanently, place call our Credit Cards hotline If your card is Closed, it has been cancelled. However, you can see the history of card transactions for the past 15 months even for a cancelled card. Valid to Month and year of the card s expiry. The card is valid until the last day of the specified month. In most cases, the Bank automatically sends a new card by registered letter to your address a month before the card s expiry. Billing details from the last credit card statement Statement Date Date of the month on which the credit card statement is generated to the client. Original Balance The field displays the Total Amount Due from the previous period. Total transactions The amount informs about the total transactions made with a credit card for the respective period. Interest + Fees The sum of interest and fees for the respective period. Total payments The sum of all incoming payments made by the client with the credit card for the respective period. Total Amount Due A total due amount given in the statement. If there is a minus symbol with the amount, the amount means a debt. If there is no symbol, the card shows a surplus at the date of printing the statement. Total Amount Overdue The value of the outstanding Mandatory Minimum Payment from the previous period. Current Minimum Amount Due 5% of the Total Amount Due. If the credit limit is exceeded, the topical minimum amount consists of 5% of the credit limit and 100% of the amount exceeding the limit

15 Min. Amount Due The sum of the Total Amount Overdue and Current Minimum Amount Due, i.e. the minimum amount that must be paid in the respective month. If the Min Amount Due is CZK 0.-, no instalment has to be paid. Due Date The date at which the payment must be credited to the Bank s credit account. Bonus Points/ Original They are applicable to credit cards in the bonus programme. balance points / New points in For more information, please call the Credit Cards hotline the cycle/ Applied points in the cycle/new balance points Payment Order Details To be credited to UniCredit Bank s internal account number designated for credit card payments. Variable symbol It identifies the credit cardholder. Direct Debit Status Active means that the cardholder has set direct debit payments and their amounts for the respective credit card. For example, 80% means that the Bank will automatically collect 80% of the minimum amount due and 2,000 means that the Bank collects the fixed amount of CZK 2,000. Inactive the credit cardholder has not set the direct debit payments in favour of the Bank and pays the bills in another way, e.g. by a payment or postal order. Our tip: In the Payments> Domestic > Card Repayment menu, the data of the last credit card statement will be automatically filled in for the easier repayment. History of the chosen card for the past x days The Card History is the last part on the Cards screen. It automatically displayes transactions made with one of your cards for the past x days. To set up the card you want to see first, the so-called preferred card, press the Cards Card Settings button at the bottom of the screen or set it directly in the menu using the Setting/Banking setting function. The preferred card saved in this manner is highlighted in green in the Cards Overview and will be always displayed in the first place in the drop-down lists. You can use this screen for setting the number of days for the card history. If you wish to see transactions made with a different card than currently displayed, choose the respective card in the drop-down menu. Individual entries both in the upper and lower table can be sorted by various criteria (e.g. by date, transaction description, amount, etc.) by clicking on the upper bar of the table with the name of the sorting criterion. If you want to return to the default setting given by the Bank, click on the Reset Sort Order in the drop-down menu in the lower part of the Overview. Card History The Card History screen provides an overview of transactions made with the chosen debit or credit card up to 15 month in arrears. If you want to find a particular transaction, you can use the search criteria, the transaction detail will be, of course, displayed when you click on the transaction chosen. Bnobr20.jpg Basic search criteria The search fields will help you filter the entries displayed in the transaction history. The following basic search criteria can be used for debit card transactions: history for the past x days this number is set in the Settings >Banking menu date from to transaction type, i.e. outgoing/ incoming/all transactions The following basic search criteria can be used for credit card transactions: Current statement, which includes transactions from the date of the last credit card statement up to the current banking day Previous statement, which includes transactions for the last credit card statement, i.e. up to the date of the last credit card statement date from to transaction type, i.e. outgoing/ incoming/all transactions After you choose the search criteria, you have to press the Search button to update the list of transactions. If you want to remove the search criteria, please press the Reset button

16 More search criteria The advanced search criteria will allow you search by the transaction parameters. This part supports the searching for the transaction amount and the full-text searching in the transaction detail. Note: The full-text searching does not distinguish between capital and small letters. You can also enter only part of the text to find the whole term. the Overview. The Overview also contains the rate that is important especially with card transactions made abroad. After clicking on the transaction line, you will see its detail. In the lower part of the Overview the sums of all selected transactions are displayed: Total credit sum of selected transactions Total debit sum of selected transactions A sum for selected transactions 6.3 Securities Card Transactions Overview Transactions are sorted by the transaction date from the latest to the oldest one. You can change the sorting as necessary by clicking on the column heading. If you want to return to the default setting given by the Bank, choose the Reset Sort Order item in the drop-down menu under Transaction detail for a card The transaction detail shows all available information on the transaction. The Securities Overview screen offers Bank in a well-arranged form the most important information on securities accounts (the so-called depots/asset accounts) maintained for the client with the Bank. It displays the asset account s number and name and the total current value of its portfolio in the currency determined by the client. Bnobr22.jpg After you click on the asset account line, the Securities Overview screen will be displayed containing a list of topical securities in the portfolio, i.e. their name and ISIN, amount and current price from the previous banking day and the total value of the position in the respective security in the determined currency. After clicking on the respective security, you can see its detail. The sum of current values of all securities means the total current value of the portfolio denominated in the currency determined by the client and displayed in the Securities Overview

17 Basic search criteria You can use search fields to filter the entries contained in the list and thus to display for example transactions/ actions for the respective security by its ISIN (the securities identification number). Advanced search criteria you can use advance search fields to filter the securities history by other parameters, i.e. price or total value of the respective transaction/action. List of transactions/actions Transactions/actions are sorted in the list by their implementation date. You can change the sorting, as necessary, by clicking n the column heading. After you click on the transaction line, you will see the transaction detail. Important: The Portfolio Overview does not include investments into the Czech Pioneer Funds Family. For more information about the position held by you in these Funds, please contact your bank advisor. Important: The Portfolio Overview does not include investments into the Czech Pioneer Funds Family. For more information about the position held by you in these Funds, please contact your bank advisor. The table at the bottom of the screen displays transactions in the asset account chosen by you for the past x days. You can modify the setting of the number of days that are to be automatically displayed in the Settings > Banking Settings menu. You can open this part in the menu simply by clicking on the Securities > Banking Settings button. Securities Depot History The Securities History screen offers an overview of transactions/actions in the selected securities depot up to 15 months in arrears. If you want to find a particular transaction/action, you can use the search criteria, the transaction detail will be, of course, displayed when you click on the selected item. Most frequent types of transactions/actions in the securities depot history: Transaction type Purchase/Sale Purchase/Sale col. b. Subscription Maturity Securities transfer from/to Coupon Dividend Description After you click on the transaction line, you will see the Transaction Detail screen. Purchasing/selling shares, bonds or mutual funds by the client at the agreed purchase/sales price and in the agreed amount. Purchasing/selling a collective bond (UniCredit Bank s own issued of bonds e.g. structured bonds) by the client at the agreed purchase/sales price and in the agreed amount. Subscription for the security by the client such as the subscription for a bond. Maturity of a security, such as the disbursement of the bond s nominal value. Transferring a security from/to the client s depot Disbursing the coupon yield of the bond to the client. Disbursing the dividend on the security to the client