User manual UniCredit Online

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2 I TABLE OF CONTENTS Topic I Introduction 1 Topic II System requirements 1 Topic III Quick start 2 Topic IV Connection 3 1 One-time passwords Registration... 4 Topic V Work with the system 9 1 Quick acquaintance... with the system 9 2 Log-in the system System interface Information review Account overview Account details Card statem ent Accounts statem ent Card transactions Account transactions Loans Loan details Paym ents overview Order archive Carry out of payments Card transfer Internal Transfer Dom estic paym ent 35 Operations w ith templates... of payments Paym ents by card deposits Online insurance 6 Card management New card Reissue card Additional card Block card Card lim its Activate savings account Activate SMS banking Change SMS banking Activate E-m ail banking Change E-m ail banking 7 Deposit Application for opening deposit 8 Mobile banking Activate UniCredit Mobile Manage UniCredit Mobile Signing of documents Correspondence with... the Bank 56

3 TABLE OF CONTENTS Review of m essages Sending m essages 11 Notifications Login Transactions Account balance Exchange rates 12 Information II Regulation execution of paym ents Docum ent statuses ATMs and branches 65 Topic VI Settings 1 Bank settings Menu settings General settings Password change Changing the authentication... method Topic VII Security 1 Activity log Recommendations Topic VIII Tariff 76 Topic IX Frequently Asked Questions (FAQ) 77 Topic X References and contacts 81

4 1 1 Introduction UniCredit Online system proposed by UniCredit Bank is a modern system of remote banking for natural persons-customers, which provides a unique opportunity to feel a comfort of twenty-four-hour banking services from anywhere in the world where there is an Internet access. UniCredit Online system offers rich functional capabilities to manage your money in UniCredit Bank: to control the funds on your accounts and cards to look through your extracts and payment history to transfer funds between accounts and cards at UniCredit Bank to pay purchases to accounts with other banks in Ukraine to replenish deposit accounts to make settlements using payment cards VISA, MASTER CARD to pay utility bills to top up mobile phones to manage your cards - to issue new ones, re-issue payment cards, provide restrictions on the transactions execution to monitor loan repayment schedule to communicate with the bank via a secure communication channel and many other useful functions. Advantages of the UniCredit Online system work in the system twenty-four-hour 7 days a week the system doesn t require installation of the additional software or special knowledge. You can receive access to UniCredit Online via any browser access to the management of your funds in any place, under condition you have access to the Internet no-charge connection and maintenance multi-level security time saving in case of banking transaction understandable by intuition and human-engineered interface 2 System requirements Screen resolution: at least 1024 x 768 Proper system operation is maintained by means of the following browsers: - Microsoft Internet Explorer, version 8.0 or higher; - Mozilla Firefox, version 33 or higher; - Google Chrome, version 38 or higher; - Opera, version 24 or higher; - Linux (recommended version Ubuntu ) / Firefox, version or higher; - Mac (recommended version MacOS X ) / Safari, version or higher Additional software: - RTF Viewer - if you want to view card statements. For example: MS Word. - PDF Viewer - if you want to view account statements or print documents from the system. For example: Acrobat Reader. Browser s settings: Cookies: switched on How to switched on? v.1.0.0

5 System requirements 2 If you use browser Internet Explorer 7.x: The menu Service/ Tools - Options of reviewer, choose inlay Confidentiality, in the field "Parameters" click the button "optional/ advanced ", click checkbox "to Block automatic processing of files "cookie" and click checkbox "Accept" or "Request". Or it is possible to choose "Average" or "Moderately high" level of confidentiality then setting of cookies will be carried out automatically. If you use browser Firefox: In the menu "Tools" you shall enter into "Options/Settings", choose inlay "Privacy", and there the point "Cookies" and click checkbox "to allow to sites to establish cookie". If you use browser Opera: In the menu "File", you shall choose point "Preferences" then "Privacy". In section "Cookies" in the first drop-down list you shall choose "Automatically accept all cookies" Javascript : switched on How to switched on? If you use browser Internet Explorer: - Enter the menu "Tools"-> "Internet Options" - Choose inlay "Security" - Click "Custom Level..." - In the appeared list to find section "Scripting" - In subsection "Active Scripting" - Put the toggle button in position "Enable" - Click "ОК" If you use browser Firefox: - Enter the menu "Tools" -> "Options..." - Choose inlay "Contents" - Choose section "Web Feauters" or if it isn t available, section "Contents" - Click checkbox near "Enable JavaScript" - Click "ОК" If you use browser Opera: - Enter the menu "Tools" -> "Preferences..." - Choose section "Advanced" - In the list to the left choose the point "Content" - Click checkbox near point "Enable JavaScript" Click "ОК" Security protocol TLS 1.0: switched on How to switched on? The menu Service/ Tools - Options of reviewer, choose tab Additional, and in the section "Security" enable the setting "TLS 1.0". 3 Quick start To connect to the system UniCredit Online you need to execute some simple steps: 1. At any ATM of "Ukrsotsbank" you need to receive a list of one-time passwords. For this purpose you shall execute the following actions: insert your basic card into ATM and enter a PIN-CODE

6 3 in the main menu of ATM choose point Other services choose a point the List of one-time passwords. 2. Follow the link and then you need to pass a procedure of registration in the system, following step-by-step instructions. 3. At the first enter into the system you need to change the initial password which will be sent to the post address specified by you upon termination of registration. After that you can begin at once full-scale work with system. In case of need, you can get acquainted with detailed instruction on connection. Before beginning of the work in the system UniCredit Online it is recommended to get acquainted with the following: 1. recommendations on maintenance of safe work in the system. To read 2. the description of the general principles of work with system (Fast acquaintance with the system) or the detailed instruction of the user of system. 4 Connection Connection to the system UniCredit Online is carried out independently without necessity of visiting of branch of the Bank and signing of any additional documents. Unique and sufficient condition for connection to the system is a holding of an active payment card of "Ukrsotsbank". To start work in the system UniCredit Online you need to execute some simple steps: 1. At any ATM of "Ukrsotsbank" you need to receive a list of one-time passwords. More detailed 2. Independently to pass a procedure of registration in the system. More detailed 3. At the first enter into the system to change the initial password. More detailed To the first step of connection >> 4.1 One-time passwords Step 1. Reception of the list of one-time passwords To receive the list of one-time passwords at any ATM of "Ukrsotsbank" you need to execute the following actions: insert your basic card (usually it is the first issued card) into ATM and enter a PIN-CODE; choose point Other services; choose a point the List of one-time passwords; choose desirable quantity of passwords (10, 15 or 20); take away, one-time passwords printed on the check by ATM. v.1.0.0

7 Connection 4 Before continuing, make sure that you have ATM one-time passwords, taken not earlier than year. Next step of the registration >> 4.2 Registration The Step 2. Registration in the system UniCredit Online Before the procedure of registration you need to verify if you have a list of one-time passwords This simple procedure is carried out independently and takes a few minutes: To start registration follow the link Enter full number of a card on which you ve received the list of one-time passwords, your date of birth and a verifying code capture.

8 5 To undertake the next step of registration click to Continue enter the required number of the one-time password from the list of one-time passwords received in ATM. To undertake the next step of registration click to Continue in the next panel your biographical particulars kept in the bank system will be displayed you need to check up and if necessary to adjust these data. v.1.0.0

9 Connection 6 To undertake the next step of registration click to Continue the choice of the version of system will be the next step of registration. For the time being for service of retail persons UniCredit Online is used. To undertake the next step of registration click to Continue at this stage you need to fill:

10 7 o User s name and by means of icon used for registration. you need to check that the given name isn t reserved and can be Choose a user s name being easily remembered for you as you ll use this name each time to enter the system. At the same time you shall try to avoid too simple combination of letters or figures. o there a message with the initial password to enter system will be sent. As this will be used at a password reminding if you forget it. Therefore it is very important to specify work- you have access to. o a method of identification and confirmation of payment For the time being 2 methods of identification are available: SMS one-time password - at log-in the system and confirmation of payments on the specified mobile phone a SMS containing one-time password to enter into system to continue operation will be sent; System can send SMS-messages with one-time password only to the numbers of Ukrainian mobile operators: Life:) (+38063, ) MTS (+38050, , , ) Kyivstar (+38067, , , , ) Golden Telecom (+38039) Telesystems (+38092) If you need to receive SMS from system UniCredit Online in abroad you should be connected to the specific service of your mobile operator. Please keep in mind that the delivery of SMS in roaming completely depends on the technical capabilities of your mobile operator. ATM one-time password - at log-in the system and confirmation of payments the system will request a specific one-time password from the list you ve received in ATM before the registration v.1.0.0

11 Connection 8 beginning. More detailed information on methods of identification you can find in section Safety o a secret question and answer - these data will be used for your identification at access to the Bank contact-center To undertake the next step of registration click to Continue the next panel will display all information entered by you for confirmation. In case error detection, return back and adjust data. After confirmation the system will register your user and will send on the specified a password to log-in the system.

12 9 Our congratulations! You were successfully registered and can log-in the system and begin to work in it. Before the work beginning in the system UniCredit Online it is recommended to get acquainted with the following 1. Recommendations on maintenance of safe operation in the system. To read 2. The description of the general principles of work with system (quick acquaintance with the system) or the detailed instruction of the user of system. 5 Work with the system This section contains the description of principles of work with the system. Before the beginning of use of system it is recommended to study the basic sections of the instruction: the description of the system s interface review of the detailed information on your accounts creation of financial and non-financial documents signing and sending of documents to the bank correspondence with the Bank settings of notices You can use a short instructions worked our for skilled users 5.1 Quick acquaintance with the system This chapter summaries the general principles of work with the system, and is worked out for skilled users. For reception of more detailed instructions on work you can address to corresponding points of the instruction. The basic interface circuit of the system has a little differences from what that are used in similar systems. The system interface can be divided into following blocks: the header control - the unchangeable block containing changeover of language of the system, status of icon and the button for exit from the system. the menu - navigation on panels and functions of the system. the content - the principal block for display of data of the system The most important panels \ functions of the system are the following: the review of accounts - allows to review all your accounts and current balances on them. It is caused by menu item ACCOUNTS Balances on accounts are updated each time at opening of the review of accounts. Therefore if you v.1.0.0

13 Work with the system 10 need to update balances on accounts you shall simply open the menu the Accounts once again. the Account Statements \ Card Statements - allows to review all financial transactions on the account or card for the previous periods. You can access to it using the following: the menu the ACCOUNTS > Statements and the ACCOUNTS> Card Statements accordingly creation of financial and other documents. In this case the document means a request to the Bank, issued in a special form, on performance of any transaction. Transactions can be financial (payments, transfer of means) and non-financial (card blocking, establishment of restrictions on a card, service activation). For creation of financial documents menu item Payments is used, non-financial - Card Managements a folder of signatures - all documents shall be signed for sending to the Bank with a purpose of execution. the history of payments - allows to review the status of a document sent to the Bank The typical scenario of payments mechanism: to enter the system to open a necessary type of payment in the menu Payments to fill all necessary fields in the form of payment to save and sign the payment to check up the payment status in archive of payments 5.2 Log-in the system To log-in the system you can use a reference Log-in in Online banking on official site of UniCredit Bank ( For subsequent use you can make a bookmark at once for the opened site of the system and use it. Enter your login and password; click the log-in the system

14 11 At the first log-in the system, it asks you to change the initial password. For this purpose enter the initial password, then enter your new password 2 times. Depending on the method of identification chosen at registration, you ll need to enter ATM one-time password. In case of correct one-time password you ll log-in the system. Entry of one-time password at log-in the system can be canceled using system options. Being guided by consideration of safety we don t recommend to cancel request of one-time password at log-in the system. 5.3 System interface The user interface of system can be divided into 3 conditional blocks: header, basic menu and content v.1.0.0

15 Work with the system 12 The header is always displayed on the top and contains functions and information being accessible from any place of the system: phone and the reference to a page of support service of the system the block of notifications displays animated statuses-icons informing on the important events in the system: - you ve received the Bank s message. Click by the mouse of an icon will open the review of incoming letters - In a folder of signatures there are unsigned documents. Click by the mouse of an icon will open a folder of signatures a control for a choice of language of the system. At any time you have a possibility to change display language of the system the button of exit from the system You shall obligatory carry out exit from the system after work termination. More detailed information on safe work in the system. name and surname of the connected user.

16 13 The basic menu is always displayed in the left part and allows carrying out convenient navigation on functions and system panels. The menu is organized in the form of the two-level list (Section - functions). The menu of the first level displays sections of function abilities of the system and is displayed by capital letters. For access to functions of the section (the menu of the second level) you need simply to click by you mouse on the section necessary to you. Click by your mouse of the menu function will open a panel of this function for operation execution. My menu is one of sections of the menu which you can operate at your own will. You can supplement, delete, change the procedure of functions display at this section. More detailed information on management/operation of section My menu The content is basic workspace of the system where all data and elements of control, used at work with the system, are displayed. The majority of data displayed in the system are presented in the matrix format. For organization of more structured and compact display of data you can use the following sorting of data - for this purpose you simply need to click by your mouse on header of a column you wish to sort filtering of data - for this purpose you need to choose a command Filter in the Menu of operations being under the table, and to specify values for filtering To reset the Filter you need to use the menu the Filter in the menu of operations once again. Elements of control/operation used in the system: 1. The block of icons contains access to the following functions: - by clicking an icon in My menu the call of this function will be added. The icon of functions already added in the adjusted menu will have the following display and repeated click on an icon will lead to removal of the menu of activation from My menu. - The context help on activated function. The click by you mouse will open the section of this instruction describing activated function/panel in the system. - Opens a visible part of the screen in document PDF. - Prints a visible part of the screen. For navigation in system you need to use only references and system buttons. Don't use the button of navigation of a browser. 2. The menu of actions/operations is a contextual menu containing commands applicable for the open document or tabular data. Sometimes for performance of some commands it is necessary to select one or several lines. Below you'll find commands of the menu of actions which are mostly applied: 5 (10, 20, 50, 100) per page - limits quantity of displayed elements on one page filter switch on \ off a mode of a filtration for the table. In this mode you have possibility to concretize or limit data displayed in the table select all - marks all elements of the table v.1.0.0

17 Work with the system 14 cancel a choice cancels all earlier established marks delete - deletes marked elements reset of sort order - cleans sorting from table columns. 3. Some elements of control can be in a hidden form for the organization of more compact display. You can independently hide and display such elements with the help of icons accordingly. Example of accounts display with the hidden lists of accounts 4. If at display data of table can't be displayed on one page, data will be divided into several pages. Thus at the bottom of table the element of control used for navigation between pages and indication of number of current page is displayed 5. In the bottom of the block of content date and time of last log-in the system is displayed. You can use this information to improve safety. More detailed information on last actions in the system you can learn by means of review log-files of work 5.4 Information review The system has wide opportunities on display of the detailed information, the executed operations, balances on your accounts and cards. More detailed information on these possibilities you can learn from corresponding sections: the review of accounts - the list of all your accounts and cards with display of the current balance on them the detailed information on accounts statement and history of transaction on the account card statement the list of credits and their details (the repayment schedule, the interest rate, a termination date) the list of the created documents archive of documents Account overview In panel Account overview to you can review a list of all your accounts, cards and credits, their status and balance on each of them. This panel is opened right after log-in the system and on-default is start screen of the system UniCredit Online. All your accounts opened in UniCredit Bank and accessible to you, are displayed in this panel in the form of three blocks: Current accounts and deposits this block contains all your accounts, deposits and savings accounts.

18 15 Cards - this block contains all your cards and additional cards issued to your proxies. Credits - this block contains your credits and lines of credit. You have possibility to hide or show each of blocks - for this purpose you only need to use buttons near each block accordingly. Balances on accounts are updated each time at opening of a panel Account overview. Therefore if you need to update balances on accounts you'll simply open the Accounts menu once again. In this panel you have possibility to carry out the following operations over data: activate a panel with a detailed information on each of presented accounts or cards - for this purpose simply click by your mouse on the account you wish to review. review the history of operations on the current account - for this purpose you shall click by your mouse on a mark near the necessary account. More detailed information on review of history of operations. sort the displayed information by any of the presented columns - for this purpose you need simply to v.1.0.0

19 Work with the system 16 click by your mouse on the necessary heading. To reset sorting you shall use a command Reset of sort order in the menu of actions filter the displayed information on any of the presented columns. For this purpose in the Menu of actions of the necessary block you need to choose the Filter. Then you shall enter the needed conditions of a filtration of displayed data. To reset filter you shall use a command the Filter in the menu of actions once again Account details In a panel Account Details you have possibility to review the additional information on each of displayed accounts and to establish for it the personal name (my name). To open the additional information on the account you shall simply click by your mouse on the account in Account overview. For each type of the account separate information is displayed. Examples of display of the detailed information and key features and functions on each of types of accounts are provided below: The function My name of the account being general for all types of accounts will allow you to give your name to the account (alias). The name given to the account is displayed at an account choice that facilitates its identification. To give the name to the account you shall fill a field My name of the account (no more than 20 symbols) and click the button Example of display of a panel with the detailed information on the Current account:

20 17 Besides the basic information such panel contains Financial details which include: the balance on the beginning of day the sum of operations of write-off /transfer for a day the sum of operations which aren't carried out yet the current balance and accessible funds Example of display of a panel with the detailed information on the Card: v.1.0.0

21 Work with the system 18 Besides the basic information such panel contains the status (active/inactive) of service SMS-banking and phone number to which it is connected. By means of corresponding buttons you have possibility to activate service SMS-banking or to change mobile number to which service SMS-banking is connected. Example of display of a panel with the detailed information on the Credit account: Parameters of the credit account (the interest rate, the balance, overdraft, the schedule of repayment and other helpful information) you have possibility to see in the menu Loans Card statement By means of function Card statement you have possibility to receive the detailed report (statement) on all operations transacted on your cards and card accounts for last 12 months. You have possibility to print or export this statement for the further analysis. To receive card statement or card account you shall execute the following actions: choose the menu ACCOUNTS > Card statements

22 19 in the field Choose account / card specify one or several cards or accounts over which you want to receive a statement. To choose several cards/accounts keep pressed Ctrl. You have possibility to filter the list of accessible cards and accounts using the switch Type - (All, Account, Card). At switching the system will display all your cards and card accounts, only accounts, only cards accordingly. The card account statement contains operations both on account and on all cards related to this account. select from the list a month for which you want to review the statement click the button Download statement - to review and print statement (format RTF) Export - to export the statement to format XML. This format is well suited for importing data into an external program, for example for analysis. But this format is not the same as XLS (MS Excel) after preparation of data for what some period of time can be required, the statement becomes accessible to review or to save. Click the reference and selected the necessary operation: Open or Save. v.1.0.0

23 Work with the system Accounts statement By means of function Statement you have possibility to receive the detailed report (statement) on all transactions carried out on your non-card accounts for any period. You have possibility to print or export this statement for the further analysis. To receive account statement or you shall execute the following actions: choose the menu ACCOUNTS > Statements in the field Choose account(s) specify one or several accounts over which you want to receive a statement. For your convenience you have possibility to filter the list of accessible accounts using the switch Type (deposit account and current account, credit accounts). At switching the system will display all your accounts or credit accounts accordingly. Credit accounts are special accounts used by the Bank for the account of your credits and give you the information on funds transfer on your credits. Usual transactions on payments aren't accessible for these accounts - only review of statement. choose the period for which you want to review the statement establish the switch on Show zero turnovers according to your preferences. At the established switch the data being provided will contain data for those days for which there were no turnovers. click the button Search after preparation of data for what some period time can be required, the system will display the summary of information on transactions per each day (turnover for a day) for the period set by you. The given information contains: o date and account number o balance on the account on the beginning of day o the sum of operations for a day separately write-off and separately transfer - using these data you can find out whether transactions on days took place or not o balance on the account at the end of day

24 21 To review the list of transactions carried out for a specific day, click record with date being interesting for you. The system will display the list of transactions for the selected date with possibility to search transactions using specific details. Similarly if you click on transaction the detailed information on it will be displayed. v.1.0.0

25 Work with the system 22 To search transactions using such search criterion as period of time and export, you need to use function review history of transactions on the account. You also have possibility to print the received statement in convenient form. For this purpose you need to mark days, statement on which you want to print, and click the button Download Statement the statement into file PDF. The statement will be opened in a new panel of a browser. Attention! To review the statement on your computer the program to review files in PDF (for example Adobe Reader) shall be installed Additional operations which you have possibility to execute in this panel: to export turnover to a file of format CSV. For this purpose you need to mark those days turnovers on which you want to export, click the button Export and save the generated file Currently the system in account statement displays transactions which executed no more than 3 months in the past, from the time when user registered in UniCredit Online.

26 23 Account statements updated every minutes. This means that transaction will displayed in the account statement approximately after minutes of the execution time Card transactions By means of function Card transactions you have possibility to receive list of transactions carried out on your cards and card accounts for any period.. To receive Card transactions or you shall execute the following actions: choose the menu ACCOUNTS > Card transactions select the cards and card accounts in the field Chosen Cards. You can use the filter Type to switch between cards and card accounts. specify the time period List of operations will be filtered by the execution date in the banking system. Execution date and actual date of the operation are the same for most type of operations. But for purchase transactions in retail date may be more than 1-2 days. Search results are displayed as a list of transactions: o transaction date o card or account transactions will be displayed by chosen card and related card account too. o transaction description o amount of the transaction in the transaction currency. o billing amount - the amount of transactions in the currency of the card account o commission amount for the operation v.1.0.0

27 Work with the system 24 Note that the system limits the search and display only the first 100 operations performed on the account, which tied up the chosen card. If you lack the necessary search operations, try to reduce the period of the search, or use card statement Account transactions By means of function Account Transactions you have possibility to receive list of transactions carried out on your accounts for any period. To receive the list of transactions on the current account, you need to execute the following operations: in Account overview near the current account being interesting for you, you need to click on icon the account will be automatically displayed in the field Chosen Account. If necessary you can select another account specify the time period for transactions search if necessary specify Direction

28 25 You can use additional conditions for search. Access to them can be received by clicking on More search criterion : a code receiver (ЕДРПОУ/ tax ID number) and the account of the receiver a bank code (МФО) of the receiver a sum of the document - it is possible to specify a range of sums for display The sum for conditions on write-off transactions is entered with a positive sign payment purpose The result of search is displayed in the form of list of transactions and summarized data. You have possibility to export the found transaction into a file. For this purpose it is necessary to click the button Export. Summarized data include: balance carried down and balance brought down for the chosen dates The balance carried down and balance brought down will be selected only if any additional search criterion isn't selected quantity and the sum on transactions of transfer (credit), write-offs (debit) and summarized data Loans The panel Loans allows you to drop down a menu of all your credit with a possibility of their easy filtration. To view a list of your credits, please follow these steps: select a menu Accounts> Loans and press the button Search v.1.0.0

29 Work with the system 26 Additional operations that you have an opportunity to perform in this panel are, as follows: export the list of your loans to the file of CSV format. Use the Export button and save the generated file for this purpose. review the detailed information on the credit. Click the credit being interesting for you to this effect - a panel to review the details of the loans will be opened Loan details The panel Loan details allows you to become familiar with the detailed information on the credit, as follows: date of opening and a dead-line of credit payment term, interest on credit current floating debt and arrears of repayment of credit repayment schedule analytical accounts - special credit accounts, providing you with the information on transfer of funds on your credits. To see the detailed information on your credit, please execute actions, as follows: choose menu Accounts > Loans and click the credit interesting you

30 27 Additional operations which you have possibility to execute: export repayment schedule to a file of CSV format. Use the Export button and save the generated file for this purpose. v.1.0.0

31 Work with the system 28 to review a statement on the analytical accounts. Click the button (next to each account for this purpose) than the panel to review the statements on account will be opened Payments overview The panel Payments overview contains all documents created by you in the system, which are processed (not yet completed). To review not processed billing documents, please select menu Payments, then select required search criteria and click the button Search All the ordinary typical such as filtering by any of field, and print are available above the list of found documents. In this window, you may: open payment for editing. delete payment - for this purpose, please select one or more payments and select the command Delete in the action menu. To delete a document, you may use the button. After confirmation of delete of payment, it will be removed. You may delete only files/documents not yet sent to the Bank. reject the payment - you can send a request to reject the payment processing (cancellation), which has

32 29 already been sent to the bank, but has not yet been processed. The cancellation of payment is similar to deletion procedure, except the procedure that is carried out over the payment in the status In the Bank. Use the button to reject payment the payment or the menu Delete. Then a Request for rejections will be generated, which is to be signed. If it is possible to cancel the payment, such Request for withdrawal will be successfully executed, and the payment will be rejected. create a new file/document - use the appropriate command in the action menu or in the main menu for this purpose You may use filters and conditions of search, as follows: Status of the document when you set the filter, only the documents with the selected status of execution (Rejected, In Bank, Executed) will be displayed Type of the document Account the filter allows you to display only the documents on a specified account. Creation date - is used for indication of a time span to search for documents. The access to additional search criteria may be gained by clicking the button More search criteria (hidden on default) Beneficiary Account The sum of the document you may specify a range of amounts for display You may cancel the automatic search of payments when you open the panel in the system settings Order archive The panel Order Archive contains all documents (payments, application) created by you in the system, provides flexible tool for search the right document, and a possibility to copy it for reuse. Order archive contains both already processed documents (status Executed) and documents not yet processed by the Bank (status In the Bank). To review and find the documents you need: select the menu Order Archive, select the appropriate search criteria and click the button Search v.1.0.0

33 Work with the system 30 You may open and review any determined document by simply clicking it. Over an open document from the File of documents you may perform the following steps: print the document review the history of execution of the document. For this purpose, please click the button Document history If a banking employee states the reason for rejection of the payment, you will be able to see it in the field Rejection reason in the block Payment history copy the document - to create completely the same document, but with the current date and a number. For this purpose, use the button Copy The history of the document also displays the ID of this document in the banking system. Such value may be required in case of access for support team of the Bank. You may use the following filters and conditions of search to refine the search conditions: Status of the document - in case of set of the filter, only the documents with the selected status of execution (Withdrawn, In the Bank, Satisfied, Refused) will be displayed Type of the document

34 31 Account - the filter allows you to display only the documents on a specified account. The date. The filter contains two values: o Date of status - search for documents will be carried out by the date of processing of the document o Date of the document - search for documents will be carried out by the date of creation of the document History - this option is used to specify the time range of search for documents: during the past X days from the current day or during the specified time period. You may use the additional conditions for search. You may gain an access to them by clicking the reference More search criteria : Payee code and account Payment Amount Payment details 5.5 Carry out of payments You have the possibility to create financial documents for their further transmission to the Bank, using menu Payments This section contains several types of financial documents (payments): card-to-card transfer payments between own accounts payment orders in UAH transfers between savings accounts recharge of mobile phone account Card transfer Card transfer function allows you to carry out transactions of transfer of funds in UAH (national currency) from your cards, issued by the PJSC Ukrsotsbank to other your card any card issued by the PJSC Ukrsotsbank the Visa or MasterCard card, issued by another bank of Ukraine In order to carry out card-to-card transaction, please execute actions, as follows: please, select menu Payments > Card to card v.1.0.0

35 Work with the system 32 Please, select the card from which you want to transfer funds. The Card is selected from the available list of your active cards Please, select one of the areas of transfer and specify the card-recipient of money means: o to your own card - select the payee card from the list of your cards o to another card, issued in the PJSC Ukrsotsbank - enter the full number of payee card Transfer from Virtual cards are possible only to cards issued by the PJSC Ukrsotsbank o to another card issued in another bank of Ukraine - enter the full number of payee card The term of transfer of funds to account of recipient is equal from a few minutes up to 2-4 banking days and completely depends on the issuing bank of card of recipient. Commission makes 0.5% of the amount min 5 UAH. specify the amount of the transfer fill in the purpose of the transfer (transfer information). This field is optional and you may not to fill it in. However, in case of its completion, it may help the receiver of funds and you to determine the purpose of this payment. save and sign this transfer To save this transfer, you have the opportunity to use one of the buttons, as follows: save & sign - after saving of transfer, the Folder of signatures will be opened for signing of this translation. save & new - after saving of translation, the same document will be opened to fill in the new translation. save - after saving of transfer, Payment overview will be opened Internal Transfer Internal Transfer option allows you to carry out transactions of transfer of funds between your accounts. To transfer funds between your cards or to other cards, please, use the option Card transfer In order to carry out transaction of transfer of funds between your accounts, please follow these steps: please, select menu Payments > To own account

36 33 in the field Payer Account choose the account from which you want to transfer funds in the field Payee Account choose the account to which you want to transfer funds. All other details are automatically filled To transfer funds from card to card deposits Savings + or Active please use the "Payments by card deposits" To transfer funds from card to card please use the "Card transfers" specify the amount of the transfer the number of document will be automatically filled in by the system, but if you wish you may change it specify the Purpose of payment - this is a mandatory description of the purposes for which the translation is carried out. The length of the text in this field shall not exceed 160 characters. In case payment processed from the card or card account, the funds will be sent to the recipient from a special bank account (* 2924) and for the payment details will be added of information. Therefore the available length for the payment details will be less than 160 characters. save and sign this transfer To save this transfer, you have the opportunity to use one of the buttons, as follows: save & sign - after saving of transfer, the Folder of signatures will be opened for signing of this translation. save & new - after saving of translation, the same document will be opened to fill in the new translation. save - after saving of transfer, Payment overview will be opened. You will be notified in the appropriate status for this application concerning the fact of execution of your transfer. Transfer status after sending to the Bank you may see in the Order Archive. v.1.0.0

37 Work with the system Domestic payment Option Domestic payment allows you to carry out transactions of funds from your account in national currency to other accounts opened in the UniCredit Bank or other banks in Ukraine. By means of this option you are able to pay for utility bills, to pay for tuition fees, to transfer money to your friends without visit the Bank's branches. For this purpose you need to know the recipient's bank account only. In order to make the transfer of funds, please execute actions, as follows: select menu Payments > To free requisites in the field Payer Account choose the account from which you want to transfer funds. After choosing, all the rest of your account details will be automatically filled in by the system specify account details of the receiver of funds: Account number MFO code and Bank name. You have the option to specify the code of bank (MFO) - in this case, the system will specify the name of the bank automatically or to seize the opportunity to search the bank among the directory. For activation of the directory, please click the icon. Payee Name

38 35 Payee Code - for the recipients as the legal persons shall be used the code under the Unique National State Registry of Ukrainian Enterprises and Organizations (к- +L); for the recipients as natural persons shall be used the ID tax number. If you do not know the Payee Code of not a legal client, you have the opportunity to use code o if the receiver is a non-resident, the field Country is obligatory to fill-out. To fill in this field, you have the opportunity to use directory of countries. For activation of the directory, please click the icon o field Passport series and number to be completed only if the field Payee Code indicates " " (ten zeros) - this is a sign that the receiver is a natural person who has no ID tax number. In this case, according to the law, you shall specify passport details of the receiver. specify the amount of the transfer the number of payment shall be filled in automatically by the system, but optionally you have possibility to change it specify the Payment details - this is obligatory description for what purpose the translation is carried out. The length of the text in this field shall not exceed 160 characters. In case payment processed from the card or card account, the funds will be sent to the recipient from a special bank account (* 2924) and for the payment details will be added of information about the sender. Therefore the available length for the payment details will be less than 160 characters. If you need to send long payment details, up to 160 characters, payment should be done from current account. save and sign this payment order Fields marked with * - are required. To save this transfer, you have the opportunity to use one of the buttons, as follows: save & sign - after saving of transfer, the Folder of signatures will be opened for signing of this translation. save & new - after saving of translation, the same document will be opened to fill in the new translation. save - after saving of transfer, Payment overview will be opened. You will be notified in the appropriate status for this application concerning the fact of execution of your transfer. Transfer status after sending to the Bank you may see in the Order Archive. To simplify operations with payments, the use of templates of payments and the opportunity to copy performed payments is specified by the system Operations with templates of payments To simplify operations with payments the saving and the use of template of payment and receiver's information are provided in the system. Partners - means stored details of the payee / receiver of payment. These details may be reused for a new payment. Template of payment means completely saved payment document, including your details and purpose of payment. This template may be reused with the purpose to create a new payment. To save the template of payment or partner, just fill in Partner's Name or Template Name in the appropriate fields after completing all details of payment and click on the icon (Save) v.1.0.0

39 Work with the system 36 To use a previously saved template of payment or partner during the process of creation of a new order, please select them in corresponding fields, notably Template or Partner You have the opportunity to review or edit a list of saved partners and templates of payments in the menu Information Information > List of Partners and List of Templates respectively Payments by card deposits Payments by card deposits allows you to carry out transactions of funds to/from your card deposit accounts, such as Saving+, Active ets. Management of such accounts shall be carried out using cards that are connected in a special way to those accounts. In order to carry out transaction with the card deposit account, please execute actions, as follows: select menu Payments > By card deposits select a card from which or to which you are going to transfer funds. Card is selected from the available list of your cards, providing access to such transactions. If you do not have cards available for selection, this means that either you do not have opened card deposit accounts you shall have the opportunity to open them by yourself, or you do not have active cards, connected to a deposit account - in such case you shall address your requests to the Contact Center of the Bank for improvement of the situation. select direction of translation from available ones for selected card. o to Savings account - the funds will be transferred from the selected card to the deposit account "Savings +" o from Savings account - the funds will be transferred from the deposit account "Savings +" to the selected card o to Active account - the funds will be transferred from the selected card to the deposit "Active" account

40 37 o to Active 3m account - the funds will be transferred from the selected card to the deposit "Active 3 month" account specify the amount of the transfer save and sign this transfer Fields marked with * - are required. To save this transfer, you have the opportunity to use one of the buttons, as follows: save & sign - after saving of transfer, the Folder of signatures will be opened for signing of this translation. save & new - after saving of translation, the same document will be opened to fill in the new translation. save - after saving of transfer, Payment overview will be opened. You will be notified in the appropriate status for this application concerning the fact of execution of your transfer. Transfer status after sending to the Bank you may see in the Order Archive Online insurance Online insurance function allows you to purchase the insurance policy without leaving home In order to buy insurance policy, please execute actions, as follows: select menu Payments > Online insurance select of insurance policy type check out the insurance conditions click on Buy policy button to open ordering form buy policy, follow the instructions on the form 5.6 Card management Using Card management option, you have the opportunity to manage your payment cards and related services without visiting the Bank's branches. This section contains many useful features such as: v.1.0.0

41 Work with the system 38 An application for issue of a new card Re-issue of card An application for issue of the additional card for yourself or addressed to an Agent Card Lock Setting of limits of card transactions Activation of the reserved accounts Activation of "SMS-Banking" service Change of SMS-banking number Activation of -Banking service Change of -banking address New card By means of function New card you have possibility easily to open a new or additional card account and payment card to it. To open a new card account and card you need to execute the following operations: select the menu Card management > New Card Fields marked with * - are required. select a card from which the commission for card issue will be written off according to the current tariffs of the Bank, from the list of your active cards. If you don't have any active cards, the field will not be filled. In this case you shall pay the commission in the Bank branch at card reception. select the Bank branch where you would like to take a new card. select a tariff package of the card account from the list of tariff packages accessible to you. specify necessary type of a payment card - the list of payment cards accessible for issue is drawn up individually for each client. after selection of type of a payment card the commission for opening of a new account and card issue will be displayed. save and sign this application To save this transfer, you have the opportunity to use one of the buttons, as follows:

42 39 save & sign - after saving of transfer, the Folder of signatures will be opened for signing of this translation. save - after saving of transfer, Payment overview will be opened. Your application to issue a new card will be executed within several days. You'll be notified on it by installation of the corresponding status of this application. You can see the status of this application in Archive of payments after sending to the Bank. After application execution a new card will be accessible to you in the review of cards in the status "blocked". To unblock it, you need to carry out any transaction on this card at ATM of Ukrsotsbank or to address to the Bank Contact-center Reissue card By means of function Reissue card you have possibility easily to order reissue of your lost or physically damaged card without necessity of visiting of the bank branch. To create an application for card reissue you need to execute the following operations: select the menu Card management > Reissue Card select a card which shall be reissued, from the list of your cards. specify a place of delivery of a new card o send card to bank branch - a new card will be sent to that branch of the Bank which you will specify in the field bank Branch. o send to the address registered for this card - a new reissued card will be sent by mail to address of your residence/registration being registered by the Bank o send card to new address - a new card will be sent by mail to the post address specified by you. To specify the address of delivery of a new card, click the button to Edit the address and fill the form. Some option can be hided specify whether it is necessary to change PIN on a new card or not. save and sign this payment v.1.0.0

43 Work with the system 40 To save this transfer, you have the opportunity to use one of the buttons, as follows: save & sign - after saving of transfer, the Folder of signatures will be opened for signing of this translation. save - after saving of transfer, Payment overview will be opened. Your application to issue a new card will be executed within several days. You'll be notified on it by installation of the corresponding status of this application. You can see the status of this application in Archive of payments after sending to the Bank. After application execution a new card will be accessible to you in the review of cards in the status "blocked". To unblock it, you need to carry out any transaction on this card at ATM of Ukrsotsbank or to address to the Bank Contact-center Additional card By means of function the Additional card you have possibility to open an additional card to the existing card account for your or for the authorized person (for example for the wife or the child). To open an additional card you need to execute the following operations: select the menu Card management > Additional Card select a card account to which it is necessary to issue an additional card. specify the necessary type of a payment card - the list of payment cards accessible to issue is drawn up individually for each client. After selection of type of a payment card the commission for opening of a new account and issue of card will be displayed. select to whom a new card will be issued - to you or your authorised representative (the wife, the child...). click the button Edit for editing\filling of the personal information which is necessary for card issue. If a card is issued for the authorized representative it will be necessary to fill the full questionnaire of the client. save and sign this application To save this transfer, you have the opportunity to use one of the buttons, as follows: save & sign - after saving of transfer, the Folder of signatures will be opened for signing of this translation. save - after saving of transfer, Payment overview will be opened.

44 41 Your application to issue a new card will be executed within several days. You'll be notified on it by installation of the corresponding status of this application. You can see the status of this application in Archive of payments after sending to the Bank. After application execution a new card will be accessible to you in the review of cards in the status "blocked". To unblock it, you need to carry out any transaction on this card at ATM of Ukrsotsbank or to address to the Bank Contact-center Block card To block quickly your card need to execute the following operations: select the menu Card management > Block card select a card from the list of your active cards. save and sign this application To save this transfer, you have the opportunity to use one of the buttons, as follows: save & sign - after saving of transfer, the Folder of signatures will be opened for signing of this translation. save - after saving of transfer, Payment overview will be opened. To unblock the blocked card you can by means of reference to the Bank Contact-center Card limits The function Card limits allows you to establish flexible rules for restrictions (limits) on performance of transactions on your cards (receiving of money using ATM, payments for goods and services by means of payment card and other kinds of restrictions). You also have possibility to review current indications of counters (how many time operation was used) for the activated restrictions. Restriction establishment will allow you to control the expense of money means on additional cards, to improve control over the use of your means and to reduce risk of swindle over a payment card. To establish restriction on a card you need to execute the following operations: select the menu Card management > Card limits select a card from the list of your active cards. After selection, a current status of restrictions on this card will be displayed: types of restrictions that are included, parameters and current values of counters for the included types of restrictions. v.1.0.0

45 Work with the system 42 click the button Edit mark those types of restrictions which you'd like to include or remove a mark from those you needn't. set parameters for established restrictions - quantity of operations and/or amount of operations. The set restriction will work if the counter exceeds any of the following parameters. For example: you have set restriction on carrying out of transactions per day: no more than 2 times and no more than 100 UAH. In this case at transactions carrying out: o 2 transactions with 60 UAH each - the transaction operation will be rejected (excess of the sum) o 3 transactions with 20 UAH each - the third transaction will be rejected (excess of quantity) save and sign this payment. To save this application, you have the opportunity to use one of the buttons, as follows: save & sign - after saving of transfer, the Folder of signatures will be opened for signing of this translation. save - after saving of transfer, Payment overview will be opened. Restrictions are set in course of action of a payment card. In case of reissue of a payment card the set restrictions will be canceled Activate savings account At opening of card account in Ukrsotsbank, special saving card accounts such as "Savings +" and "Active" are automatically reserved for all clients. Such accounts aren't accessible to use till the moment of their activation. Activation of the reserved accounts can be executed upon the client's application directly at the Bank branch, at opening of the card account, or by means of the e-application through the system UniCredit Online. By means of function Activate savings account you can easily send such application and activate all accounts reserved for you.

46 43 To activate the reserved accounts you need to execute the following operations: select the menu Card management > Activate savings account select any card from the list of your active cards. save and sign this application for activation To save this application, you have the opportunity to use one of the buttons, as follows: save & sign - after saving of transfer, the Folder of signatures will be opened for signing of this translation. save - after saving of transfer, Payment overview will be opened. Your application for activation of the reserved accounts will be executed within the working day. You will be notified on it by installation of the corresponding status of this application. You can see the status of this application in Order Archive. After successful execute of such application to you'll received all reserved accounts as connected. Therefore there is no necessity to apply function of activation of the reserved accounts for each of your cards Activate SMS banking SMS-banking service makes possible to receive any information or carry out operations with your banking payment card via SMS-messages. By means of function Activate SMS banking you have possibility to activate this service for your cards. To activate the service SMS-banking for your card you need to execute the following operations: select the menu Card management > Activate SMS banking select a card from the list of your active cards to which you'd like to connect service. in the field Current phone number your phone number, which is registered by the Bank and on which v.1.0.0

47 Work with the system 44 messages will be sent, will be displayed. If phone number is absent or it is incorrect you'll need to change by means of function Change SMS banking save and sign the created application. To save this application, you have the opportunity to use one of the buttons, as follows: save & sign - after saving of transfer, the Folder of signatures will be opened for signing of this translation. save - after saving of transfer, Payment overview will be opened. Your application for activation of the reserved accounts will be executed within the working day. You will be notified on it by installation of the corresponding status of this application. You can see the status of this application in Order Archive Change SMS banking Function Change SMS banking allows you to change number of delivery of messages on service SMSbanking. To change the number you need to execute following operations: open Card detail and click button Change opposite Mobile number select a card from the list of your active cards One number of mobile phone for SMS-banking is used for all your cards. Therefore you only need to change it for any card In the field Current phone number your current number which is registered by the Bank and on which you messages on this service are sent will be displayed. Specify a new number of delivery in the field the New phone number. save and sign the created application To save this application, you have the opportunity to use one of the buttons, as follows: save & sign - after saving of transfer, the Folder of signatures will be opened for signing of this translation. save - after saving of transfer, Payment overview will be opened. Your application for activation of the reserved accounts will be executed within the working day. You will be notified on it by installation of the corresponding status of this application. You can see the status of this application in Order Archive.

48 Activate banking SMS-banking service makes possible to receive any information or carry out operations with your banking payment card via SMS-messages. By means of function Activate banking you have possibility to activate this service for your cards. To activate the service banking for your card you need to execute the following operations: select the menu Card management > Activate banking select a card from the list of your active cards to which you'd like to connect service. in the field Current address your , which is registered by the Bank and on which messages will be sent, will be displayed. If is absent or it is incorrect you'll need to change by means of function Change banking save and sign the created application. To save this application, you have the opportunity to use one of the buttons, as follows: save & sign - after saving of transfer, the Folder of signatures will be opened for signing of this translation. save - after saving of transfer, Payment overview will be opened. Your application for activation of the reserved accounts will be executed within the working day. You will be notified on it by installation of the corresponding status of this application. You can see the status of this application in Order Archive Change banking Function Change banking allows you to change number of delivery of messages on service SMSbanking. To change the number you need to execute following operations: open Card detail and click button Change opposite v.1.0.0

49 Work with the system 46 select a card from the list of your active cards One number of mobile phone for banking is used for all your cards. Therefore you only need to change it for any card In the field Current address your current which is registered by the Bank and on which you messages on this service are sent will be displayed. Specify a new of delivery in the field the New address. save and sign the created application To save this application, you have the opportunity to use one of the buttons, as follows: save & sign - after saving of transfer, the Folder of signatures will be opened for signing of this translation. save - after saving of transfer, Payment overview will be opened. Your application for activation of the reserved accounts will be executed within the working day. You will be notified on it by installation of the corresponding status of this application. You can see the status of this application in Order Archive. 5.7 Deposit Application for opening deposit Application for opening deposit function allows you to open new deposit account with bigger interest rate: +1% to interest rate for UAB deposits and +0,5% to interest rate for USD and EUR deposits In order to open new deposit, please follow these steps: please, select menu Deposit review informations about presented deposits and click Select Now under the deposit, you want to open (values in the picture below may differ from the current values)

50 47 select amount and currency for new deposit select method of placement of funds to deposit: o manual transfer of funds to deposit accounts please note that the deposit will be canceled automatically in case you don't replenish it within 3 business days. o automatic transfer of funds to the new deposit. In this case, you should select the current account 2620 from which the deposit will be replenished select the term of the deposit select the scheme of payment of interest: o capitalization - accrued interest on a monthly basis will be credited to the deposit account to increase the amount of your deposit o monthly to the current account - monthly interest will be transferred to the selected current account o monthly to the card - monthly interest will be transferred to the selected card select the account for transfer funds of deposit after expired term of deposit choose your residency status and self-employment select your residency and busyness v.1.0.0

51 Work with the system 48 Attention! If you are a self-employed person, you must enclose a copy of the scanned document issued by the supervisory authority and commission income, which confirms taking you on account of such a body. It can be Tax registration certificate on form No. 4-OPP or Certificate of incorporation into the Uniform State Register (for persons, the registration of which in the control bodies of income and fees on the basis of information from the registration card provided by the state registrar according to the Law of Ukraine "On state registration of legal entities and individual persons - entrepreneurs). To do this, please follow these steps: o click Add attachments...

52 49 o select a file with a scanned copy of the certificate of registration of an individual entrepreneur, and add it by clicking on the Add file button and after that OK button o read and accept the Conditions of opening and service of bank deposit accounts / Rules of operations on bank current (card) and deposit accounts opened by individuals / Rules of service of bank deposit accounts of individuals, opened in PJSC "Ukrsotsbank". save and sign this transfer This application will be executed in terms which described in Regulation execution of payments After executing this application, Bank will send you message with electronic document about opened new deposit. You can found this message on the menu Mail - Inbox. If you need paper and signed deposit agreement you can contact the nearest branch of the Bank. I can see frequently asked questions (FAQ) about opening deposit via UniCredit Online at this link 5.8 Mobile banking UniCredit Mobile - is a modern banking service that provides access to your accounts around the clock via your smartphone. Just install the UniCredit Mobile app from the official app store AppStore or Google Play and activate it and UniCredit Bank will always be in your hands. Official website of UniCredit Mobile - With help of UniCredit Mobile you can use the following services on your phone: view the status and balance of accounts and cards; see the transaction history for each card; make payments and transfers from your card to any other payment card; perform transfers from current account; manage deposit account "Savings+" and replenish deposit "Active"; quickly find the nearest ATM or branch of UniCredit Bank; use currency converter with actual exchange rates. UniCredit Mobile - is a secure service because: you set own personal code to log on to UniCredit Mobile and make transfers; entering the application is possible only with that smartphone which you used to activate UniCredit Online; data exchange between the mobile application and the bank is performed via encrypted channels. Facilities UniCredit Mobile: all necessary financial information is on your smartphone now; v.1.0.0

53 Work with the system 50 access to your accounts in a few clicks; transferring the funds is even easier now than before; current exchange rates are always near at hand; it s easy to find the nearest UniCredit Bank s branches and ATMs. Connecting to UniCredit Mobile and management of the services is performed through a system of UniCredit Online, so you must have an active user of UniCredit Online for using UniCredit Mobile. Tariffs for execution of transactions through a UniCredit Mobile is the same as for UniCredit Online. detailed Connection to the UniCredit Mobile is performed via UniCredit Online without having to visit a bank branch Activate UniCredit Mobile To activate the service UniCredit Mobile you need to execute the following operations: select the menu Mobile banking

54 51 If necessary, update your mobile number entered mobile phone number will replace the contact mobile phone in the system UniCredit Online. usining link download and install UniCredit Mobile application You can download official application of UniCredit Mobile from Apple AppStore and Google play only. Please remember that UniCredit Bank will never ask you to download an application from another resource. press button Activate for saving and then sign the application for connection to UniCredit Mobile system v.1.0.0

55 Work with the system 52 after sign application you will receive a message in the internal mail system. This message will contain the activation code for UniCredit Mobile activate UniCredit Mobile within 72 hours after receiving a message with an activation code, according to the instructions If you already have an account at UniCredit Mobile you are able to temporarily block access to UniCredit Mobile Manage UniCredit Mobile You have the opportunity to control access to system UniCredit Mobile. If necessary you can temporarily block access to the system UniCredit Mobile and reactivate it after blocking due to invalid PIN entry. Reactivate the system can also be used for install the UniCredit Mobile application to another smart phone. To temporarily block access to UniCredit Mobile you need to execute the following operations: select Mobile Banking menu. click Block button and confirm the operation access to UniCredit Mobile will be blocked immediately to resume after blocking access to the system, you should repeat the activation UniCredit Mobile To reactivate the system UniCredit Mobile after blocking due to an invalid PIN entry, you need to execute the following operations: select Mobile Banking menu.

56 53 If necessary, update your mobile number entered mobile phone number will replace the contact mobile phone in the system UniCredit Online. using link download and install UniCredit Mobile application You can download official application of UniCredit Mobile from Apple AppStore and Google play only. Please remember that UniCredit Bank will never ask you to download an application from another resource. press button Reactivate for saving and then sign the application for connection to UniCredit Mobile system after sign application you will receive a message in the internal mail system. This message will contain the activation code for UniCredit Mobile activate UniCredit Mobile within 72 hours after receiving a message with an activation code, according to the instructions v.1.0.0

57 Work with the system Signing of documents In the system any document shall be confirmed (signed) to send it to the Bank for execution. After signing the payment will be automatically sent to the Bank. To sign and send documents to execution to the Bank you'll need to execute the following operations: Open Signature Folder. You can do it by means of the menu or by means of the button to Save and sign at document creation. After opening you'll see all your documents prepared for signing. mark those documents you'd like to sign. The general quantity of the selected documents and the total sum of payments will be displayed below. To select all documents you need to use command Select all from the menu of operations. Pay attention, that at performance of this command all documents, including those on other pages, will be selected for signing. For automatic selection of all documents at opening of the Signature Folder you need to establish a corresponding setting in bank settings. depending on a used method for authentication you shall sign the chosen documents: o if you use the SMS onetime password as a method for authentication, you shall click the button Get one-time password. On your mobile phone the SMS with one-time password (it is specified in the end of the message) will be sent.

58 55 You shall enter the received one-time password in the field SMS one-time password. If after reception of the SMS you change a choice of payments (you select other payment or change quantity of documents to be signed) you'll need to receive one-time password once again - the received earlier one-time password is invalid. In the SMS text the short description of signed payments is specified: the sum, the name of the client, payment destination - at signing of one payment; quantity and a total sum of payments - at signing of several documents. Don't continue to sign documents (don't enter the received one-time password) if the data sent in the SMS don't coincide with data displayed in system. o if you use ATM onetime password as a method for authentication, you shall enter the one-time password from the list of passwords received at ATM "Ukrsotsbank", with a required serial number. If the required one-time password cannot be read or understood, you shall use the button Get other password - system will suggest you to enter other one-time password from those that remained. Password must be entered exactly as it is written on the check - in big letters. Click the button Sign. Signature Result Page will be displayed and system will start signing and sending payments to the Bank. It is an automatic process. You do not need to wait for the end - final result you can see in the Order Archive Signature Result Page it informs you of the result of sending payments to the bank. You can refresh status by button Refresh v.1.0.0

59 Work with the system 56 You can see such statuses of payments: Checking correctness of signature - the system is checking your payments Sending to the Bank - order was put in a queue to sending to the Bank In Bank - payment accepted by the bank to execution Error - payments has error and not received by the bank. You can see such payments in the Signature Folder with error description Correspondence with the Bank The system gives possibility to conduct the secured correspondence with the Bank. You have possibility to send to the Bank and to receive from the Bank text letters (messages) and attached files. The message sent by you will be necessarily processed by bank experts. Depending on the subject of the message chosen by you, processing will be carried out by different experts of the Bank Review of messages You have possibility to receive messages with personal offers, bank news, recommendations from the Bank. At receiving of a new letter the system will notify you by means of animation icon in the top part of interface of the system. - The icon notifies on a new message from the Bank To see the received messages you need to execute the following operations: select the menu Messages > Inbox or click the icon of the received new message and click Search.

60 57 To open message simply click on it. After opening you have possibility to Reply or to Delete. If you need additional filtration of messages you shall establish one or several criteria of search: topic of message date of message reception a sign to display or not remote messages also click the button Search The button Reset will remove all criteria of search established by you. The following operations in the menu of operations are accessible for selected messages: set unread - the selected messages will be marked as not read (are displayed with extra bold) set read - the selected messages will be marked as read delete - deletes the selected messages Review of the sent messages To review the messages sent by you, you need to choose the menu Messages > Outbox and click Search Sending messages This function provides a possibility to send to the Bank a letter (message) with possibility of attachment of files. To write a message to the Bank you shall execute the following operations: choose the menu Messages > Outbox and click the button New massage v.1.0.0

61 Work with the system 58 select a suitable Topic of the message - messages having different topics are processed by different subsections of the Bank fill Subject and Text of the message to attach one or several files to the message click the Attachments button o by means of the button the Review... choose a file to be attached, and click the button Add file to attach a file. o repeat this operation for all required files, and then click the button OK. to send a message you shall click the button Send - the message will be sent at once, without necessity to sign Notifications The group of functions Notifications provides you a possibility to set up and operate notices on a state of your accounts and system. Notices will be sent on the specified by you on the event or within the period specified by you. You have possibility to set up the following types of notices: On log-in the system On the current balances Exchange rates On documents signing

62 59 To review the notices set up at present and their parameters, you shall select the menu Notifications A list of notices, their type, status, parameters of distribution and performance condition (event or schedule) will be displayed. You have possibility to make the following operations over the list of notices using the menu of operations: deactivate the notice - such notice will be in the list of notices, but will not work. For this purpose you shall mark one or several notices and select a Inactive command in the action menu. activate the notice - allows to activate an earlier deactivated notice. It is carried out with Active command. delete the notice from the list. filter the list of notices. For more concrete definition of conditions of search you can use the following filters: by type of notice - at filter setting up only notices with the chosen type (see above) will be displayed. by status - active, inactive, delete Login At activation of the notice on Login notification you'll receive messages on the specified at each input of your user in the system. To create the notice of such type you shall execute the following operations: select the menu Notifications > Login fill or change on which you'd like to receive the notice if necessary, mark SMS -format option - in this case the message will be sent in the reduced form (for example to review using mobile devices) click the button Save - the notice will be created and activated v.1.0.0

63 Work with the system Transactions At activation of the notice Transactions notification you'll receive messages notifying on executed payments To create the notice of such type you shall execute the following operations: select the menu Notifications > Transactions select your account, over which you'd like to receive notices, from the list of Available accounts select type of operations in the drop-down list Direction: o incoming - you'll notified about account replenishment o outgoing - you'll notified about writing off an account o all - you'll notified about all transaction on account you can specify amount of transaction which should be notified: o ">="- you'll notified if transaction amount will be more then specified amount o "<="- you'll notified if transaction amount will be less then specified amount o "=" - you'll notified if transaction amount will be equal to specified amount Also you can fill Advanced settings for notice o Bank code - you'll notified if Bank Payee code will be equal to specified value o Account - you'll notified if Payee account will be equal to specified value o Transaction details - you'll notified if Transaction details will be contain specified value fill or change on which you'd like to receive the notice if necessary, mark SMS format option - in this case the message will be sent in the reduced form (for example to review using mobile devices) click the button Save - the notice will be created and activated Account balance At activation Account balance notification you'll receive messages according to the chosen schedule or on event, with the current balances on accounts To create the notice of such type you shall execute the following actions:

64 61 choose the menu Notifications > Account balance select your account, over which you'd like to receive notices, from the list of Available accounts select a condition of notice sending - under the periodic or on event. o Periodic - you shall specify desirable periodicity of performance (daily, weekly, monthly) - in case of selection of message sending under the schedule. o Event - you shall specify conditions for the sum of balance at which performance the message will be sent. ">="- you'll notified if balance will be more then specified value "<="- you'll notified if balance will be less then specified value "=" - you'll notified if balance will be equal to specified value Check of a condition and delivery of messages is once a day (since morning). fill or change on which you'd like to receive the notice if necessary, mark SMS format option - in this case the message will be sent in the reduced form (for example to review using mobile devices) click the button Save - the notice will be created and activated Exchange rates At activation Exchange rate notification you'll receive messages on current bank exchange rates (cashless purchase/sale and rate of the National Bank of Ukraine) on the specified . To create the notice of such type you shall execute the following actions: choose the menu Notifications > Exchange rates v.1.0.0

65 Work with the system 62 specify periodicity of messages reception: Daily or on the specific day of month fill or change on which you'd like to receive the notice click the button Save - the notice will be created and activated 5.12 Information Enter topic text here Regulation execution of payments The system provides access to the accounts and creating documents on a 24 hours a day, 7 days a week (24 \ 7). This means that you can always log in to view the information, create and send your payments. Payments and documents sent to the bank will be processed under internal regulations and instructions of the NBU. Rules of payment processing and other orders sent via UniCredit Online Payment type \ order Additional Start of Average conditions processing by execution Bank time1 Payments Card to card transfer to card in immediately several seconds to card in another immediately several bank of Ukraine seconds2 Transfer between card deposit immediately several accounts seconds Payments between own accounts order sent before immediately several Payments to free requisites to 18:00 seconds account opened in the Bank order sent after next work day3 (between current \ deposit accounts) 18:00 order sent over several immediately4 weekend seconds Payments between own accounts order sent before immediately 10 minutes Payments to free requisites to 18:00 account opened in the Bank order sent after next work day3 (from current account to the card 18:00 account \ card) order sent over immediately4 10 minutes weekend Payments between own accounts order sent before immediately several Payments to free requisites to 18:00 seconds account opened in the Bank order sent after next work day5 (from the card account \ card to the 18:00 current account) order sent over several immediately3 weekend seconds Payments to free requisites order sent before immediately 1 hour (to accounts opened at another bank) 17:45 order sent after next work day, 17:45 over after 9:006 weekend Application for opening deposit order sent befor before 18:00 in 15:00 the in the banking current banking

66 63 Payment type \ order Additional conditions Start of Average processing by execution Bank time1 day day order sent after before 15:00 18:00 on the or weekends next banking day Card Management Card blocking immediately Card limits immediately New card Reissue card Additional card Activate savings account Activate SMS banking Change SMS banking Activate banking Change banking 30 minutes7 30 minutes7 30 minutes7 30 minutes7 30 minutes7 30 minutes7 30 minutes7 30 minutes7 several seconds several seconds 5 work days 5 work days 5 work days 1 work day 1 work day 1 work day 1 work day 1 work day 1 Average execution time reflects the expected time of obtaining the status "Executed" - successful processed of the document. If by result of the automatic order verification additional check ing by the bank teller is needed, execution time may increase significantly. 2 The funds will be debited from the card immediately. Time credited to the card of the recipient depends on the bank issuer of the target card, and can range from a few seconds up to several days. 3 For payments sent after the operation time check ing of the availability of funds in current accounts is not made. On the next work ing day payment will be sent for processing and if at the start of processing in the account will not be enough money to mak e a payment and \ or the payment of commissions, execution of payment will be suspended until the required amount on the account. 4 The payment will be processed immediately, the date of execution will be specified as next the work date. 5 In case payment from the card \ card account, the funds will be written off from the card \ card account immediately, and credited to the recipient at the opening of the next bank ing day (00:00-2:00) 6 In case payment from the card, the funds will be written off from the card immediately and sent to the recipient on the next bank ing day after 9:00. 7 After receiving the document, the system check s its correctness. We recommend minutes after sending the application to check its status in the archive documents. Successfully tested the application will has status "On execution" Document statuses To display a processing stage of the document in the system, each payment or application is allocated with status. In the system UniCredit Online documents can have the following statuses: * In Sign - this status is allocated to the document which only is created. The document with such status isn't sent yet to the Bank for execution and is in process of drawing up. In Bank - this temporary status (document processing isn't terminated yet and the status will be changed) is allocated to the document after its sending to the Bank. The status means, that the document is on processing by the Bank and will be processed soon. On execution - this interim status (document processing is not finished yet and the status will be changed) is used for card management orders and it means that the order has passed the preliminary check and sent to execution. v.1.0.0

67 Work with the system 64 Executed - this final status (the subsequent processing of the document is terminated) is allocated to the document after its successful execution by the bank. It means that money means have been already transferred to the recipient. Rejected - this final status is allocated to the document, not executed by the Bank for any reasons. In case of refusal to execute a document, a reason of such decision is displayed in history of payment ATMs and branches Find UniCredit branches & ATM option allows you to easily search and view all ATMs and branches UniCredit Bank on Ukraine map In order to find branch and ATM, please follow these steps: please, select menu Information > ATMs and branches please, select menu Information > ATMs and branches open the tab: o UniCredit ATMs - to search and display UniCredit ATMs o UniCredit branches - to search for display UniCredit branches

68 65 find an ATM or branch using: o map zooms o search by address click on a pointer location for more information about ATM or branch: o location address o GPS coordinates o contact phone numbers (for offices) o opening hours (for offices) 6 Settings The system UniCredit Online gives possibility of flexible setting of the interface. For this purpose you can use functions of the following sections: Bank settings - regulates displays of accounts and payments in the system. Menu settings General settings - regulates displays of data in the system Change of password 6.1 Bank settings Bank settings provides you possibility to establish individual settings of display of accounts and payments in the system. To change settings you shall execute the following operations: select the menu Settings > Banking v.1.0.0

69 Settings 66 set up necessary settings and save: Accounts Preferred account - allows you to choose the account which will be automatically put in fields where the account selection is required. Such accounts in the account overview are displayed with green color. History of the last - quantity of days which will be automatically put for search of transactions at opening of history of transaction. Cards Preferred card number - allows you to choose a card which will be automatically put in fields where the card selection is required. Such cards in account overview are displayed with green color. History of the last - quantity of days which will be automatically put for search of transactions at opening of history of transaction.

70 67 Signatures Preselected Orders - if YES is selected, at opening of the Signature Folder all payments accessible to signing will be selected. Payment Overviews Auto-search when open - if Yes is selected, at opening Payments Overview search of payments with values on-default will be made. Domestic payments The print of 2 copies on page - if YES is selected, at print of payment order in UAH 2 copies on page will be printed. 6.2 Menu settings Menu settings allows you to operate (move, delete) with My menu earlier created and start up page. To change settings you shall execute the following operations: select the menu Settings > My menu Current points of section My menu in the order of their display, and start page will be displayed The start page will be displayed the first after log-in the system! Such page in this panel is marked with icon to change the order of display of points of the menu you shall use buttons in the Actions column for flagging of page as starting - mark the necessary page in the list and use command Set/Unset start page in the action menu. To reset the start-up page you shall execute the same procedure for the selected start page to delete points of the menu you shall use the button or command Delete selected in the action menu. 6.3 General settings General settings allows you to establish individual settings of display of sums and dates in the system, to change contact details and secret question. To change settings you shall execute the following operations: select the menu Settings > General settings v.1.0.0

71 Settings 68 Set-up the necessary settings and Save: Regional settings Date format - allows you to choose a desirable format to display dates. Where DD is a date, MM - number of month, YYYY - year Numeric format - a choice of a format to display sums in the system Character encoding - allows you to change the coding of symbols in the system Contact This block contains and allows you to change contact details (phones and ) entered at registration. The format of filling of number of a mobile phone shall be the following: +38 / 11 / (in different fields) SMS one time password

72 69 In case of use of a SMS onetime password as a method for authentication at this block a registered phone number on which SMS onetime password are sent, is displayed. Only to review. The block will be displayed only if you log-in the system by means of the SMS onetime password Security Question & Answer This block contains and allows you to change a secret question and the answer which will be used at identification if you address to the support service Authentication Limitation Don't request one-time password at log-in - allows you to cancel request of one-time password at log-in the system At cancellation of request of one-time password, an application for cancellation to be signed will be created. 6.4 Password change Password change allows you to change the password to log-in the system. To change settings you shall execute the following operations: * select the menu Settings > Password change specify the password operating at present enter a new password 2 times and click the button Change the password 6.5 Changing the authentication method Changing the authentication method allow you to perform a remote change of the authentication method (or setting) for your user without visiting the bank branch or call the Contact Center of bank, which was not previously possible. In order to change of the authentication method, please follow these steps: please, select menu Deposit v.1.0.0

73 Settings 70 select the type of operation: o change of mobile phone number - after execution this application mobile phone number for receiving SMS messages with one-time password for signing of documents will be changed enter a new mobile phone number o change the authentication method to one-time SMS password - after execution this application you will need to use one-time SMS password to sign documents enter a new mobile phone number o change the authentication method to one-time ATM password - after execution this application you will need to use one-time ATM password to sign documents select a payment card, which will be used for receiving one-time ATM passwords list save and sign this application The application will be processed by the bank and, if it is correct, will be executed within 2 working days after it is sent by you. If application is successfully processed by the bank, you will be informed about via letter in the UniCredit Online system - You will find it in the Messages > Inbox. There you will find a letter with information of the reasons for not processing (rejection) your application and recommendations of possible ways of fixing it in

74 71 case execution of the application by the bank was not possible (for example, you indicated wrong format of mobile phone number). If you cannot sign this application (for example, to change the authentication method from one-time ATM-password to one-time SMS-password, you do not have any working ATM password, and you are not able to get them at UniCredit Bank ATM) you can order the above mentioned installations by contacting any bank branch manager and writing the relevant application in any form. When referring to the branch manager, you must have a valid identity document (e.g. passport), know your login (username) of UniCredit Online Internet-banking system, as well as in case of changing the phone number, the old and the new mobile phone number. Or only in the case of a change of the method of authentication from one-time SMS-password to one-time ATM-password by calling the contact center bank: (calls from landline and mobile phones within Ukraine are free of charge); +38 (044) (for International calls and calls within Ukraine); 332 (short mobile-phone number for MTS, Life, Kyivstar subscribers). 7 Security Security is one of the basic requirements to systems of the Internet-banking. The special attention has been paid to this question at system development. So to ensure a maximum level of security of the system of UniCredit Online the advanced & reliable technologies and methods aimed to secure as much as possible your means at system use are apllied: TLS-encryption (Transport Layer Security) - a cryptographic protocol that provides a secure connection between the Web browser and the server system. TLS technology is supported by all major browsers.when using a secure connection, all traffic is encrypted using an asymmetric public key algorithms. The given security measure will completely secure you against such kind of bank fraud as "man in the middle", where data on payment, sent by user of the Internet-banking, are intercepted/modified at a sending stage, not arriving to the bank. Sign of use of TLS protocol is presence of https in the beginning of an address line. In the majority of browsers at installation of secured connection the lock icon is displayed. An example of such display in browser IE8: v.1.0.0

75 Security 72 You shall be necessarily check the availability of such icon before the beginning of work with the system. security certificate of a site of system - web server of the system UniCredit Online has the security certificate issued out by competent Internet center of certification of keys VeriSign. At log-in the site such certificate is transferred to your browser for confirmation of its identification data and correctness. Thus a check that a site, on which you log-in, is a system site, is carried out. Different browsers differently display results of such check. More often in case of incorrect certificate (period of validity, incorrect data) the browser limits log-in such site and the corresponding warning is displayed, and in case of correct certificate the icon lock is displayed. At work with system the address line of a browser shall always begin with ua.unicreditbanking.net/ Examples of displays in different browsers Examples of displays in different browsers Microsoft Internet Explorer v.7 and above "lock" is placed on the right in address line. In browser Opera: In browser Google Chrome besides a "lock" icon in address line, name of HTTPS protocol is highlighted with green color In browser Mozilla Firefox 3 a "lock" icon is display in status icon to the right Example of display of the warning message on the incorrect certificate of a site Using of one-time passwords - to send payment to the Bank additional confirmation by means of onetime passwords is necessary. Each one-time password can be used only once and term of its action is limited as per time. In system the following types of one-time passwords are used: o SMS one-time password - it is sent in the form of sms on a mobile phone which is specified at registration. To confirm operation you shall enter the password received with the message. SMS messages besides one-time password (in the end of the message) also contain the additional

76 73 information on operation to be confirmed and performance date Examples of messages: "UniCredit Bank Podpys 3 dokumentov Data :01:02 Kod 09662" "UniCredit Bank Grivnevoye platejnoye porucheniye Informatziya TOV" ROGA "the Sum-100,00 UAH Data :20:22 Kod System can send SMS-messages with one-time password only to the numbers of Ukrainian mobile operators: Life:) (+38063, ) MTS (+38050, , , ) Kyivstar (+38067, , , , ) Golden Telecom (+38039) Telesystems (+38092) If you need to receive SMS from system UniCredit Online in abroad you should be connected to the specific service of your mobile operator. Please keep in mind that the delivery of SMS in roaming completely depends on the technical capabilities of your mobile operator. o ATM one-time password - to log-in the system and to confirm operations you shall enter one-time password with number requested by the system. The list of passwords can be received at any ATM "Ukrsotsbank". After input of the password or on the expiration of a period of time (3 minutes) the required password is canceled and cannot be used repeatedly. Example of list of ATM one-time passwords: The type of one-time password which will be used in the system is selected independently at registration. To change a used type of one-time password you can address to the Contact-center. Automatic logout from the system - if within some period of time there are no actions in the system, the automatic logout from the system will be carried out. Thus you will be redirected on a system site, and 5 minutes after - on an official site of the Bank. Automatic blocking of the user - in case of three incorrect attempts to input a password with the purpose of log-in the system the account record will be automatically blocked. To unblock it, you shall call to the Bank contact-center. Such mechanism allows preventing access to data by brute-force attack. Logging operations - the system conducts detailed logs of all operations in the system and provides the convenient tool for their reviewing. Experts on security note, that more often the reason of fraud access to the account of the user, despite v.1.0.0

77 Security 74 all undertaken means of security, is the carelessness and imprudence of the user. That is why to avoid possible problems you shall observe simple recommendations on security maintenance. 7.1 Activity log With function Activity log you have possibility to review the detailed records (protocols) of all operations carried out by your user in the system UniCredit Online. It will allow you to raise security level at work in the system. To review a protocol of operation of your user in the system you shall execute the following operations: select the menu Information > Activity Log specify criteria of search and click the button Search function of review of details of operation is accessible to each of the found records of the protocol. For display of specification on the found record click on it.

78 75 For specification of conditions of search you can use the following filters and search conditions: Date and time - you can specify the required period of time Document type - records of operations with the selected type of the document (payment) will be displayed. the Account - the filter allows to display records only on operations over the specific account. the Status - the filter by result of performance of operation (successfully or error). Operations executed with your user till the moment of full identification are displayed at the protocol of operations as carried out by user Guest 7.2 Recommendations Recommendations on safe use of the system UniCredit Online don't tell to nobody a password/login, don't write down them. At work with the system don't use function of passwords saving which the browser can offer; don't use simple or too short passwords. It isn't recommended to use the password to log-in the system v.1.0.0

79 Security 76 which is used by you for authorization on other sites, especially, on those of entertaining character. regularly change the password to log-in the system. If you have suspicions in compromise of the password, you shall immediately replace it. the Bank will never send you an e-letter with the request to inform your password / login or to install the suspicious software. If you receive such letter, be sure these are actions of swindlers trying to access to the system. don't answer such requests, delete such letter and immediately inform the Bank on the event. before the work beginning with the system UniCredit Online you shall be sure, that the address line of a browser always begins with at work you have to check presence of secured connection (it is usually marked by browsers with the icon "lock"). It particularly concerns cases when you plan to carry out payments or to replace the password. In case of unsuccessful check - terminate work with the system and exit a site; after termination of work with the system you shall logout by means of the button the Exit. To close a browser isn't enough! in case of possibility don't carry out payments by means of the system using public computers, access to which many people have (for example Internet cafe); don't work with rights of the system administrator on the computer from which work with the system UniCredit Online is carried out; use the anti-virus software and firewalls. Regularly check your computer on presence of viruses and other harmful programs. Establish updating for antivirus programs, system, browser - updating of programs cover vulnerability which can be used by violators; using SMS one-time passwords: o try not to use system UniCredit Online from mobile phone o don't save login and password to the account record at browser o in case of loss or theft of mobile phone - immediately address to Contact-center of the Bank with the request to block your account record o signing documents you shall check the information specified in SMS and details of payment o if possible install a mobile antivirus using ATM one-time passwords: o don't keep a list of one-time passwords along with your login and password o don't throw out unused list of passwords and try not to lose it. In case of loss take at ATM a new list of passwords - the previous one will be thus cancelled, or block your account record. set cards limits if you have any doubts, call on the Contact-centre of UniCredit Bank. Employees of the bank will answer all your questions and will be very grateful for the information on any suspicious operations you've noticed. 8 Tariff Tariffs for execution of transactions via the system UniCredit Online

80 77 Transactions and services Tariff amount* Connection to the system free of charge Servicing / services rendering free of charge Receiving of statement of account- / card-balance free of charge Receiving information on loan-indebtedness status, loan-repayment schedule free of charge Within own-accounts transfers: 0,10 UAH 0,01 USD / EUR free of charge Transfer of funds among own accounts Transfer of funds to own deposit account Transfers in third-parties favor: 0.1%, min 1 UAH max 25 UAH 0.3%, min 2 UAH max 300 UAH 0,10 UAH 0,5%, min 5 UAH Transfer of funds to account opened with PJSC "UKRSOTSBANK" Transfer of funds to current accounts opened with other banks of Ukraine Transfer of funds to, cards opened with PJSC "UKRSOTSBANK" Transfer of funds to, cards opened with other banks of Ukraine Card-management: Card-blocking free of charge Setting the personal limits on card-operations performance free of charge Issue of the first additional card free of charge * Fee on transactions under card-accounts shall be retained in the card-account currency. Commission on transactions under current accounts opened in foreign currency shall be retained in Ukrainian hryvnia from the Customer s UAH-current account. More information on Tariffs can be found on official site of UniCredit Bank. More details> 9 Frequently Asked Questions (FAQ) Registration Question: I can see an error while entering one-time password Answer: You should take a new list of ATM one-time passwords. These passwords must be received before year. If it does not help, contact Call Center of system support. To solve the problem will need to provide the card number on which you conducted the registration. Question: system displays that count of active one-time passwords left is zero Answer: to solve this problem, do the following: - take a new list of ATM one-time passwords. Passwords must be received before year. - at the first step of registration enter the card number at which you took one-time passwords If it does not help, contact Contact Center of system support. To solve the problem will need to provide the card number on which you conducted the registration. Question: where can I get the password for the first login after registration? Answer: The first password will be sent to your specified after registration will be finished. v.1.0.0

81 Frequently Asked Questions (FAQ) 78 If you are unable to access the , contact the Contact Center of Support System for - remove your registration record, after that you will be able to register again, or - edit your and generate a new password. Question: The message "Account is locked" is displayed at logon. Why and how to unblock? Answer: system blocks of user after entering incorrect password three times. For unblock you should call to Contact Center of system support. Question: Can I use system abroad? Answer: YES. System UniCredit Online does not have restriction for access to the system from abroad. If you need to receive SMS from system UniCredit Online in abroad you should be connected to the specific service of your mobile operator. Please keep in mind that the delivery of SMS in roaming completely depends on the technical capabilities of your mobile operator. Working with the system Question: password or login is forgotten, what to do? Answer: you should call to the Contact-Center of the support system by phone (additional menu for easy access - 151) for restore login or password Question: how to change the login? Answer: registered login can not be changed. It is possible to remove of the current account and make re-register with a new username. You should call to the Contact-Center of the support system by phone (additional menu for easy access - 151) for delete your account Question: how to change the password? Answer: password can be changed in the system settings Settings > Change Password Question: Message "User blocked" is displayed while logon, what to do? Answer: user may be locked after 3 attempts to enter the wrong password. To unlock the user, please call to the Contact-Center of the support system by phone (additional menu for easy access - 151). Unlocking the user through is not possible for security reasons. Question: how to change your address? Answer: address can be changed in the system settings Settings> General Settings Question: the letter was received on registration, but there is no letter with the first password, what to do? Answer: check your spam folder in mailbox - perhaps a letter with a password by mistake has been marked as spam. If you unable to find letter, please call to the Contact-Center of the support system by phone (additional menu for easy access - 151) to generate a new password Question: the error "Operation is not supported for this document" is displayed after saving order transfer money from the deposit Savings+ and Savings+ / Active, what to do? Answer: This error occurs when you try to make the transfer of funds through the document "payment between own accounts" to/from the card. You should use the document "Payment by card deposits for this type of transfers Question: filed direction of payment is empty when you try to transfer the money from the deposit Savings Savings + or + / Active, what to do? Answer: you should call to the Contact-Center of the support system by phone (additional menu for easy access - 151) for fix this problem

82 79 Question: how to change the authentication method from the one-time SMS-password to ATM password? Answer: you should call to the Contact-Center of the support system by phone (additional menu for easy access - 151) for changing the authentication method Question: how to change the authentication method from the ATM one-time passwords to SMS one-time passwords? Answer: you should visit to the Bank's branch with passport to change the authentication method Question: error message "No such user found" is displayed when logon what to do? Answer: Check login to the system UniCredit Online. Perhaps you are trying to log in with the login from the previous Internet-banking system Question: where can I see the tariffs for making transactions in the system? Answer: you can see tariffs in the system menu Information > Tariffs Question: I don't receive SMS with one-time password, what to do? Answer: If you are not in roaming check to see if the phone memory is full, restart your phone or try again later. If you need to receive SMS from system UniCredit Online in abroad you should be connected to the specific service of your mobile operator. Please keep in mind that the delivery of SMS in roaming completely depends on the technical capabilities of your mobile operator. Question: why does my payment is declined with the error "not enough funds in the account"? Answer: Check is enough amount on account for payment and commission. Commission for payment what made from a current account in a foreign currency will be taken in the UAH from connected with current account Opening a new deposit Question: what to do if the selection list of funds source does not have any accounts? Answer: your funds can be placed on deposit only from your current account If you have no current accounts 2620* you can visit the nearest branch of our bank for opening such account with the originals of passport and identification code Question: why selection list of my accounts does not have cards? Answer: now deposit opening is possible for current accounts only. Function for cards will be available soon Question: under what conditions the deposit might not be open? How will I know about it? Answer: opening a deposit based on your application may be suspended / canceled under the following conditions: - the specified amount for deposit is less than the required minimum; - current account balance at the time of opening of the deposit is less than the amount specified by you in the application for opening deposit; - information on the residence in the application for opening deposit differs from the information in the banking system; - you pointed in the application for opening deposit that you are a self-employed person. But Bank was not notified about this fact in written according to the NBU Resolution 492 sections 6 and 10 If such situations occur, you will be contacted by phone by bank s manager, who will offer options for v.1.0.0

83 Frequently Asked Questions (FAQ) 80 their solution Question: when my application for opening deposit will be processed and deposit will be opened? Answer: the applications are processed twice a day. If you sent application before 15:00 in the working day deposit will be opened till 18:00 in the current day. If you sent application after 15:00 or during weekend deposit will be opened till 15:00 in the next working day. Question: how do I know that the deposit has been opened? Answer: you will receive a message with electronic certificate about the deposit. Also you can see new deposit account in the account overview. Question: I need confirm the opening deposit for third parties, but I do not have the deposit agreement, what to do? Answer: bank can provide you with a certificate about deposit placing. This document contains all necessary information about the deposit. You can visit any branch of our bank, with the originals of passport and identification code for obtaining this document. Question: how can I cancel already opened deposit? Answer: for cancellation of the deposit you should visit branch which was specified in the certificate about deposit. Question: is certificate about deposit suitable for Deposit Guarantee Fund? Answer: Yes. The certificate about deposit is official document with all necessary details. Question: how can I know whether I am a self-employed person or not? Answer: Self-employed person - is a taxpayer who may be: - an entrepreneur who carries on business; - a person who exercises independent professional activity, but is not the owner (eg, current law prohibits notary to be engaged in entrepreneurial activity); - The entrepreneurs who carry on business and at the same time carry out independent professional activity, which is different from the business one (for example, the current law does not prohibit an individual person to be the liquidator and simultaneously be an entrepreneur engaged in other business activities not prohibited by law). Question: how can I know I am a resident or non-resident? Answer: non-resident individuals - foreigners, stateless persons, citizens of Ukraine who have permanent residence outside Ukraine, including those who are temporarily in the territory of Ukraine. Resident individuals - citizens of Ukraine, foreigners and stateless persons who have permanent residence in the territory of Ukraine, including those who are temporarily abroad. Question: how can I make deposit replenishment? Answer: if deposit allows top-ups you can replenish this deposit via internal transfer menu

84 81 10 References and contacts References and contacts Contact-center of a support service of the system UniCredit Online (calls from fixed phones within Ukraine are free); +38(044) (for internationsl calls and calls within Ukraine); 332 from mobile (calls from mobile phones: for subscribers of MTS - the intranet work tariff; for subscribers of Life:) cost of minute - 1,06 UAH., for subscribers Kievstar - 1,00 UAH., for subscribers of Beeline - 0,95 UAH., Velton, Telecom and PeopleNet - a time rate is charged for local calls) [email protected] Official site of Ukrsotsbank (ТМ UniCredit Bank) v.1.0.0