A GUIDE TO BZWBK24 SERVICES

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

Convenient Online Banking for Businesses MY COMPANY Plus extended BZWBK24 package

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

Table of Contents Introduction... 7 Safe Use of Electronic Services... 8 Customer Identification Number (NIK)... 8 PIN Password... 8 Additional Password... 8 Authentication... 8 smscode... 9 Security Token... 9 Transaction limits... 9 Predefined Third-Party Accounts... 9 Predefined Own Accounts... 10 Encryption... 10 Blocked Access to Services... 10 Cancelling BZWBK24 Services... 10 Cancelling the Mobile Number... 10 Terminating Inactive Internet Sessions... 11 Registration of Activities... 11 Recording Phone Calls... 11 Internal Procedures... 11 User Guidelines... 11 Main Options of BZWBK24 Services... 13 BZWBK24 Telephone... 15 How to access the Bank?... 15 Structure of the BZWBK24 Service Menu... 16 How to view your account?... 16 How to transfer money between your own accounts?... 17 How to pay your bills?... 17 How to pay social security taxes (ZUS)?... 18 How to use the list of orders?... 18 How to cancel transactions with forward value date?... 19 How to start saving money?... 19 How to obtain information about your investments?... 20 How to obtain a fax with information?... 20 How to change the PIN password?... 20 BZWBK24 Internet... 21 How to enter the Bank?... 21 How to view Portfolio24?... 22 How to transfer money between own accounts?... 23 How to pay your bills?... 24 How to pay social security (ZUS) taxes?... 24 How to pay your taxes?... 25 How to make your money transfers easier?... 25 How to pay for an online transaction using Transfer24 service?... 26 How to make Transfer24?... 26 How to transfer money abroad?... 26 How to use the View orders option?... 28 How to use standing orders?... 28 How to start saving money?... 29 How to invest in Arka investment funds?... 30

How to check the value of registers in Arka investment funds?... 30 How to acquire investment fund participation units?... 32 How to sell the units?... 33 How to convert the units?... 34 How to define the redemption or conversion volume?... 35 How to view orders?... 35 How to top up your mobile phone?... 35 How to check the exchange rates?... 35 How to buy/ sell foreign currencies?... 36 On-line shopping... 36 How to change the PIN password?... 37 BZWBK24 wap... 37 How to enter the Bank?... 37 How to look at Portfolio 24?... 37 How to transfer money between own accounts?... 37 How to pay your bills?... 38 How to use Unreleased Orders?... 39 How to view orders?... 39 How to start saving money?... 39 How to check the exchange rates?... 40 How to change the PIN password?... 40 Technical information... 40 BZWBK24 sms... 41 How to enter the Bank?... 41 How to access your account?... 41 How to obtain information about investments?... 42 How to check the value of investment fund participation units?... 42 How to check the exchange rates?... 42 How to top up your mobile phone?... 42 How to change your PIN?... 43 My Company Plus... 44 How to register your company users?... 44 What kind of rights can be assigned to users?... 44 How to use the Administrator option?... 46 Portfolio24 in My Company Plus package... 47 How to make a transfer?... 47 Example: How to make a money transfer requiring two signatures?... 49 How to exchange data with other systems of the company?... 50 How to use order batching?... 51 How much do I pay for My Company Plus package?... 54 Alerts24... 54 My Money Package... 54 How and when can I activate the Alerts24 service?... 55 How much do I pay for Alerts24 service?... 55 How to activate Alerts24 via the BZWBK Internet service?... 56 How to manage the settings of the Alerts24 service via BZWBK24 Internet?... 56 Tokens... 57 First activation of a token... 58 Using the token... 58 Change of the token PIN... 58

How to get help?... 59 BZWBK24... 59 My Company Plus... 59

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

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

smscode SmsCode is a safe, cost-effective and easy to use Internet transaction authentication method. The only thing you need is a regular mobile telephone. When making a money transfer via BZWBK24 Internet service, enter all the data in the transfer form and the system will automatically send a text message with the security code. The code has to be typed in the relevant field on the screen before final authorisation of the transaction. Each smscode message is unique and is active only for three minutes so that no unauthorised person can use it. SmsCodes offer the user unprecedented flexibility in managing the account. Using smscodes you can transfer your money to all bank accounts and increase the daily transaction value limit. In order to get access to the service, you need to sign an agreement at one of our branches and specify the mobile number you will be using for authorisation. Remember to cancel the service if you happen to lose your mobile. Security Token A security token is a miniature encrypting device with a functionality similar to that of smscode. Tokens generate single-use, unique codes which are used as a kind of an electronic signature in authorising transactions in BZWBK24 Internet and BZWBK24 wap. To activate the token you need to key in a special five-digit PIN password to prevent unauthorised persons from using it. By means of a token you can authorise transfer orders to any accounts and add new entries to the list of beneficiaries to avoid manual completion of the transfer order form each time you transfer money. Since tokens enhance the security of transactions, the daily transaction value limit can be increased. When a wrong token PIN password is entered three times the token is automatically blocked. To unblock it, you need to call the BZWBK24 Advisors Team (061) 856 52 42 or visit any of the Bank s branches. Tokens are also issued to the users of Investor Online, a service offered by the brokerage House of Bank Zachodni WBK. The same tokens can be used for BZWBK24 Internet and BZWBK24 wap services. Transaction limits Upon activation of BZWBK24 services, a daily transaction limit is set i.e. the maximum amount of money which you can transfer to third-party accounts on one day. The limit applies to all services in the package excluding transfers to own accounts and operations on deposits. You can also set a separate limit for transactions secured and unsecured by smscodes and/or token. If you are using smscode or a token you can set a higher limit for transfers to third-party accounts. An additional monthly limit is set for prepaid phone top-ups via BZWBK24 sms service. Predefined Third-Party Accounts If you are not using smscode or token authorisation, you can only make electronic money transfers to predefined third-party accounts. This restriction is imposed by reasons of safety, to guarantee that your money can only be transferred to third-party accounts predefined by you. When signing the agreement for BZWBK24 electronic banking services, you can predefine up to nine different third-party accounts, with a payment type assigned to each of them to facilitate submission of transfer orders. The predefined accounts may belong to your suppliers, the power supplier, telephone operators or any other institutions, businesses or individuals selected by you. You can modify the list of predefined beneficiary accounts personally by visiting one of the Bank s branches, over the phone at (061) 856 52 42 or via

the Internet, using the option Beneficiaries and authorising the modification by means of an smscode or a token. The possibility of making money transfers to any third-party accounts is available to the users of tokens via BZWBK24 Internet and BZWBK24 wap services and the users of smscodes via BZWBK24 Internet. Predefined Own Accounts Each of our clients may have more than one account, however, when signing the BZWBK24 agreement for electronic banking services, you may decide that only some of them will be operated under the BZWBK24 package. Other accounts may be managed in a traditional way. The BZWBK24 telephone service and BZWBK24 sms service offer access to information only about the predefined own accounts, while information about all accounts is available in BZWBK24 Internet and BZWBK24 wap. Encryption Encryption is used for the purpose of data transmission and archiving. In BZWBK24 Internet and BZWBK24 wap, we are currently using the most reliable and the strongest SSL encryption with 128-bit keys and a certificate provided by VeriSign Inc. When the certificate is used, the address displayed by the web browser starts with https:// instead of the regular http://. When using the Internet, you can check the certificate by double-clicking the padlock symbol in the lower right hand corner of the screen and reading the information in the General and Details tabs. You should make sure that the certificate has been issued to www.centrum24.pl and check the validity dates. You can also check the certification path (Certification Path tab) which should be as follows: VeriSign Class 3 Public Primary CA o www.werisign.com/cps Incorp. by Ref. LIABILITY LTD. (c) 97 VeriSign www.centrum24.pl Blocked Access to Services When wrong authentication data are entered three times in a row upon logging onto the system, access to the services will be automatically blocked. To unblock it, you must call the BZWBK24 Advisors Team at (061) 856 52 42 and go through the telephone authentication procedure including the additional password. All components of the BZWBK24 package can be blocked or selected services only. Cancelling BZWBK24 Services You can cancel one or more services from the BZWBK24 package. This procedure should be used only in justified circumstances since reactivation of cancelled services requires generation of new PIN passwords. Cancelled services can be reactivated at any of the Bank s branches. Cancelling the Mobile Number You can also cancel the mobile number provided to the Bank which is used for customer authentication and authorisation of transaction orders. This procedure is required when the phone is lost, damaged or in other similar circumstances. To cancel the mobile number call the BZWBK24 Electronic Advisors Team (061) 856 52 42 or visit any of the Bank s branches.

Terminating Inactive Internet Sessions After 10 minutes of continuous inactivity, you will be automatically logged out of the transaction service and the system will redirect you to the log-in page. Registration of Activities The system automatically records all user activities during an Internet session (e.g. login attempts, review of account history, making a money transfer, etc.) and other information such as the certificate, IP address or telephone number of the user. Recording Phone Calls All phone calls to the Advisors Team at (061) 856 52 42 are recorded. The recordings may be used as evidence of orders and instructions placed. Internal Procedures Bank Zachodni WBK S.A. has implemented rigorous operating procedures to ensure protection of personal and financial data. The procedures also cover response to emergency situations. User Guidelines 1. Protection of NIK and PIN Keep your PIN passwords, NIK numbers etc. confidential. Do not reveal your PIN passwords even to the Bank staff. If you suspect that your PIN password may have been disclosed, change the password immediately or cancel the service by visiting the nearest Bank branch or calling the BZWBK24 Advisors Team. Do not use the same PINs for various services (e.g. BZWBK24 Internet, BZWBK24 Telephone or the payment cards). If you feel you have to write down your NIK or PIN number, do it in such a way as to prevent an unauthorised person from identifying the data. Change your passwords regularly e.g. once a month. 2. Logging to the BZWBK24 Internet Service Log into the service from the BZWBK website (www.bzwbk.pl) or directly from the transactional service http://www.centrum24.pl by entering the correct address in the address line of the web browser. Never use an address or a link emailed to you by another person to log on to the system. Before logging in, make sure the address in the address line of the web browser starts with https and not http. Make sure a padlock symbol denoting an encrypted session appears at the bottom of the screen.

If you find a padlock symbol, double-click on it to check whether the displayed certificate is valid and whether it has been issued to Bank Zachodni WBK for the Internet address www.centrum24.pl. If the padlock system is invisible or if the certificate has been issued for another address, do not use the service and do not enter your NIK and PIN numbers. Immediately contact the BZWBK24 Advisors Team (061) 856 52 42. If you have a token or if you use smscodes you can change the login procedure and enhance the security of your money by an additional instrument. You can do it while logged into the service (option Settings Login).The next login to BZWBK24 Internet service will be a two-step process. You will first be requested to enter your PIN and NIK numbers and in the second step you will key in the smscode or the number generated by the token. When logging in, the NIK number and the PIN password are entered in two consecutive steps (two different screens). Each PIN character is entered in a separate field. You can also enter PIN using the keyboard on the screen. 3. Using BZWBK24 Internet Service In the transaction service, use only one web browser window at a time. When operating the service, do not use the web browser navigation keys (such as Back, Next, Refresh or Stop). The transaction service has its own keys and links which ensure convenient and safe navigation around the website. Make use of smscodes or tokens to achieve the highest security level offered by the Bank. If you are disconnected from the transaction service (e.g. by the telephone operator), log into the service again and check whether the system saved your last orders. When you have finished working with the transaction service or when you need to leave your computer unattended you must first log out of the transaction service using the Logout option available in the main menu. 4. Using BZWBK24 Wap Service After making operations on your account, check whether you find them on the list of released orders. If you are disconnected or errors occur during processing of the operation, check whether the operation has been saved under Released Orders. It is possible that right after making the operation, your mobile will not be showing updated data. If so, log into the service once again from the home page. Standard WAP connections use port 9201. However, connections to banking services should, for reasons of safety, be made using port 9203 which enables encryption of the data. In mobile telephones which do not have a port number option, like Nokia, for example, Encrypted Connection option must be set. Other settings should be made in accordance with the recommendations of the telephone operators. Note: Data transmission starts from defining the encryption key. The process is initiated automatically for connections using port 9203. Different mobile telephones have different ways of informing the user about encrypted connection. Some require a two-step acceptance of encryption, however, in the majority of mobile phones the encryption key is defined only during the first connection to the service. Subsequently, the same key is used. If you have any problems with WAP connections, contact the customer service of your mobile operator.

5. Other Guidelines Use the recommended web browser settings described on the Bank s website. Follow the recommendations of the operating system and web browser manufacturers and install the recommended updates of your software. Use regularly updated anti-virus software at all times. Install a personal firewall. Firewall is a security system which defends your computer against unauthorised internal or external access and protects information about the user and the resources stored on the computer. Do not access electronic banking services in public places, such as Internet cafes. The software used in such places can be configured or modified in such a way that data of the users are captured without their consent. Do not open or execute programs or files from unknown sources. Use only legal software. Use a token or smscode for login to ensure additional security. If you use those instruments to authorise money transfers, you can also employ them as additional keys upon login. Activate the Alerts24 service to receive current information from the Bank about the operations on your account in the form of emails or text messages. If you need help, you can always (24 hours 7 days a week) contact the BZWBK24 Advisors Team at (061) 856 52 42 or report your problem by electronic mail sent to pomoc24@bzwbk.pl. Inform the Bank immediately about any suspicious situations. You can do it at any time by calling us at (061) 856 52 42 or by visiting any of the Bank s outlets. Main Options of BZWBK24 Services (as at 1 November 2006) The summary presented below includes additionally the services available in the Bank s ATM network to cover the whole range of options of automatic access to your bank accounts. + - option available - - option unavailable 1 - maximum 9 accounts 2 - available only to customers using tokens or smscodes 3 - available from a free of charge Infoline at 0800 240 240 4 - archival exchange rates are also available * - function not available in My Company Plus package

Options BZWBK24 BZWBK24 BZWBK24 BZWBK24 Internet Telephone wap Sms Checking the account balance + + + + + Cash withdrawal - - - - + Detailed information about the account + + + + + History of operations + + + + + estatement + - - - - Transfers between own PLN accounts + +* +* - - Transfers to 3 rd party accounts predefined 1 +* +* +* - - Transfers to 3 rd party accounts undefined 2 + - +* - - Transfers to ZUS account + +* - - - Transfers taxes + - - - - Prepaid phone top-ups + - - +* + Release and repayment of a revolving loan + - - - - Standing orders + - - - - Unreleased orders + - + - - Orders with forward value dates + + + - - Cancelling orders with forward value dates + + + - - FX transfers between own accounts + - - - - Payment instruction + - - - - Opening PLN and FX deposits + +* +* - - Terminating PLN and FX deposits + +* +* - - List of Internet, phone and wap orders + +* +* - - Checking ARKA Funds registers* +* +* - +* - Orders re. ARKA Funds registers* +* - - - - Change of the PIN password + + + + + Exchange rates + 4 + 3 + + + Faxing account balance information - + - - - Demo version of the service* + + 3 - - - Ordering paper confirmations of transactions + - - - - ATMs

BZWBK24 Telephone By signing the BZWBK24 electronic banking agreement, you are also getting an easy and quick access to your account over the telephone, both regular and mobile. Since BZWBK24 Telephone is a fully automatic service, you are not talking to a consultant but listen to prerecorded voice messages and place your instructions using the telephone keys. The impressive range of functionalities offered by this service covers: account balance information and detailed information about up to nine operated accounts (current accounts and term deposit accounts) history of operations on the accounts (last 10 operations or selected operations from the last 6 months searched by date) money transfer orders to own accounts or 3 rd party accounts (including social security ZUS transfers) opening and terminating term deposits checking the list of orders and instructions placed (unreleased and rejected) information about exchange rates change of the PIN password ordering faxes with information about the account (account balance and last 10 operations) predefining new accounts and changing other settings information about ARKA Funds registers (value, history) ordering faxes with information about the current status of ARKA Funds registers How to access the Bank? To use the BZWBK24 Telephone service you need a regular telephone with tone dialling. The dialling mode switch is usually located on the side of the telephone set (Pulse/ Tone or P/T symbol). Set the switch to Tone (T). The telephone service for institutional clients is available at: (061) 856 52 56 When you connect to the service, you will be requested to enter your NIK number by pressing the appropriate telephone keys. Afterwards, the system will request you to enter two haphazardly selected digits of your PIN password. Example: Your NIK number is 10045987 and your PIN is 5728. Telephone: Please enter your personal NIK number. Customer: Key in 10045987. Telephone: Please enter the third digit of your PIN password. Customer: Key in 2. Telephone: Please enter the first digit of your PIN password. Customer: Key in 5.

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

Search an operation by date Go through the identification procedure by entering your NIK and PIN numbers. Select the account in question (if you have predefined more than one own account) Choose the History of operations option 2. Choose the Search transaction by date option 2. Enter the relevant date in the dd-mm-yyyy format. Example: You want information about transactions executed on 5 January, 2004 Telephone: Please enter the day of the month in a two-digit format. Customer: Key in 05. Telephone: Please enter the month in a two-digit format. Customer: Key in 01. Telephone: Please enter the year in a four digits format. Customer: Key in 2004. How to transfer money between your own accounts? Go through the identification procedure by entering your NIK and PIN numbers. Select the account in question (if you have predefined more than one own account) Choose the option Transfer to own account 3. Select the account from which you want to transfer money (if you have predefined more than one account which can be debited). Select the account to which the money will be transferred. Enter the amount to be transferred. Example: You want to make a transfer of PLN 134.06 Telephone: Please enter the amount of Polish zlotys to be transferred and press #. Customer: Key in 134. Telephone: Please enter the amount of groshes in a two-digit format. Customer: Key in 06. Press 1 if the transfer order is to be executed instantly or 2 to set a forward value date. Press 1 to confirm your order or * to cancel your order. After confirming your order, enter the two requested digits of your four-digit PIN password. How to pay your bills? The BZWBK24 Telephone service offers a possibility of transferring money to 3 rd party accounts predefined at the Bank s branch (maximum nine accounts). Go through the identification procedure by entering your NIK and PIN numbers. Select the account in question (if you have predefined more than one own account) Choose the option Transfer to 3 rd party account 4. Select 1 to make a money transfer to predefined accounts. Select the account from which you want to transfer money (if you have predefined more than one account which can be debited). Define the 3 rd party account to which the money will be transferred by choosing the relevant payment type. Enter the amount to be transferred.

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

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

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

BZWBK24 Internet BZWBK24 Internet is a service which offers quick and easy access to bank accounts using a personal computer connected to the Internet. This service ensures the most comprehensive access to information about your company accounts and the broadest range of functionalities within the BZWBK24 package. Using BZWBK24 Internet you can: obtain account balance information and detailed information about all operated current accounts and term deposit accounts look at the history of operations on your own accounts during the last 6 months. make money transfers to your own accounts or 3 rd party accounts (including ZUS and tax authorities accounts) make safe payments for transactions with selected Internet stores thanks to the Transfer24 service top up the account of your prepaid mobile phone place order to transfer money to FX accounts in foreign banks open and terminate a deposit (PLN or FX) find information about exchange rates change your PIN password manage the list of beneficiaries (only for users of smscodes or tokens) change the telephone number from which prepaid mobile phones can be topped up using the BZWBK24 sms service (only for users of smscodes or tokens) place, modify and cancel standing orders for money transfers to 3 rd party accounts obtain information about ARKA Funds registers (value, history and detailed data) place instructions concerning ARKA Funds registers manage the functionalities and settings of Alerts24 service How to enter the Bank? In order to use the BZWBK24 Internet service, you will need a computer or another hardware with access to the Internet and a web browser. If you want to make money transfers to undefined 3 rd party accounts you will also need a token or smscodes. In order to use the service you need to log into it from the Internet portal www.bzwbk.pl or directly from the transactional service page http://www.centrum24.pl. On the log-in page you can choose the Polish language or the English language version of the service. The login procedure consists of entering and accepting the NIK number and the PIN password. If you use a secure, two-step login procedure, you will be requested in the next step to confirm login by means of a token or an smscode. After login, the main menu with all available options will be displayed on the left hand side of the screen and will remain visible at all times when using the service. Thanks to this solution, you will be able to navigate to any option at any point in time and from any screen. If you use a secure, two-step login procedure, you will be requested in the next step to confirm login by means of a token or an smscode.

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

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

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

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

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

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

requires authorisation by means of a token or an smscode. Customers placing payment orders may also check the cost of the money transfer before accepting the order. On the FX transfer acceptance form there is a link to a calculator of foreign fees and charges with data entered into the transfer order form. Note: If at the time of placing the transaction order, the Bank s exchange rate table changes, the transaction will not be accepted until the amounts to be transferred are corrected. Payment execution Your account will be debited with the amount of money transferred and the Bank s fees and charges no later than on the next business day following the placement of the order. The transfer to the foreign bank of the amount of money specified in the international payment order will take place no later than on the third business day following the day on which the customer s account was debited. Viewing orders FX transfer orders can be viewed and printed off using the View orders option. If the transaction description is underlined, detailed information about the transaction is available. To view it, click on the selected transaction description. For FX transactions, in addition to the general data displayed under View orders option, the applied exchange rates, the number of the exchange rate table and the selected beneficiary s bank are additionally shown. How to use the View orders option? Using the option Released orders View orders you can go through all the transactions executed using the BZWBK24 service package. By default, the list of orders is displayed in tables containing 5 items each. In the Settings Profile option, there is a possibility of customising the number of items displayed at a time. The available history options include 5, 10, 20 or 50 operations displayed on one screen. Under Released orders you can also print off a selected order. Using the option Released orders Cancel order you can cancel your orders with a forward value date. How to use standing orders? In BZWBK24 Internet service you can define standing orders to 3 rd party accounts. Choose the option Standing orders from the main menu and then go to Standing orders To 3 rd party account. Enter the required data, just like in the case of a single money transfer to a 3 rd party account. Define the additional parameters to set the terms of the order execution: o date of the first payment o standing order expiry date (if the order has no specified date leave the field empty) o execution cycle i.e. the frequency of order execution Your orders will be executed if you ensure funds available in your account one day before the order value date. The Bank will not be held liable for orders which have not been executed due to unavailability of funds in the account. In the case of orders to other bank accounts, if the execution date falls on a non-business day in the Bank's IT system, your transfer will be executed on the first business day following the non-business day or days.

Modification and cancelling Standing orders placed via the BZWBK24 Internet service can be cancelled or modified. The following parameters can be modified: description, date of the first payment, standing order expiry date and the execution cycle. A standing order can be modified no later than on the business day preceding the next payment date under that order. Information about orders You have unlimited access to the history and detailed data of active standing orders. In order to display the list of standing orders, choose the option Standing orders. If standing orders are defined on more than one account, you have to choose the account in question. Orders displayed on the screen are arranged by date of the next payment and are broken into orders placed at the Bank s branch and orders placed via the Internet. Option Rejected transfers displays a list of orders which have been rejected for various reasons. You can use it after selecting a specific standing order from the list. In order to use the options History, Details or Rejected transfers select a specific standing order from the list, choose the required option from the drop-down menu in the upper part of the screen and then click on the Select button. How to start saving money? The BZWBK Internet service offers a range of tools to open and terminate selected deposits and to view information about all deposits held. The service also covers deposits opened at the Bank s branches. Opening a deposit Select the account from which you want to transfer money to the deposit account. Depending on the selected account, in the next step a list of available deposits will be shown for a currency matching the selected account currency. Choose the appropriate deposit type from the list of available deposits. Enter the amount of the deposit. Confirm your order on two following screens. Viewing active deposits The list of active deposits is available under Portfolio 24 and in the Deposits option. If you want to get detailed information about a particular deposit, select the deposit account, choose the Details option and click on the Select button. You can also generate a statement of your company s deposits under the estatement option. This possibility is available for all deposit accounts for which the option of generating paper or electronic statements was declared at the Bank s branch. Terminating a deposit Using the option Terminate a deposit you can terminate deposits opened via the BZWBK24 service or personally at the Bank s branch. This is possible for deposits authorised for termination via electronic banking services. The exception is Deposit24 which can be opened and terminated exclusively via the electronic service channels. The money from a terminated deposit can be transferred exclusively to one of the accounts predefined in the agreement for BZWBK24 electronic banking services. The currency of the account has to match the currency of the terminated deposit. Select the deposit which you want to terminate. Select the account to which the money from the terminated deposit will be transferred. Press the Terminate button. Confirm the operation using the Accept button.

How to invest in Arka investment funds? The BZWBK Internet service offers access to Arka investment funds. With the different investment portfolios, you can choose an investment option which best suits your preferences in terms of the degree of risk, potential profit and the saving period. The participant may select one investment fund or split the investment between different funds building an investment portfolio. A detailed description of the investment funds can be found on the dedicated website at www.arka.pl. Regardless of whether you already are a participant of investment funds or you are planning to become one, in order to get access to your present or future investments via BZWBK24 Internet service, you have to sign an agreement for BZWBK24 electronic services in which you declare your intention to use this option. Using the BZWBK24 Internet service you can: obtain information about the capital collected in Arka funds open new registers in all open Arka funds buy participation units also through standing orders redeem participation units to withdraw money. How to check the value of registers in Arka investment funds? List of registers You will find a full list of your Arka funds registers in the Arka Funds option. In the window which opens after selecting this option you can execute all options available in the top menu (Acquisition of units, Standing orders, History, Breakdown into packages, Details, Payment for register opening for currently opened registers). The list of registers is also available under Portfolio24 option but here it excludes the registers currently opened. In the top menu, only the History and Details options are available. The list of registers contains the following information: Register number Product name name of the investment fund or systematic savings program if the register pertains to such a program Register value result of multiplication of the number of participation units by the current value of the relevant type of participation units in a given fund Date of the last operation day on which the last operation on the register was executed If you placed an order for opening of a register which has not been executed yet, an item New register currently opened will appear on the on the list. When the order is executed, this entry will contain information about the value and date of the register opening order. History of transactions Select the register in question in Portfolio24 or in Arka Funds option. Choose the option History and then click on the Select button. The history of transactions contains the following information: Value date - the day on which the transaction is settled Order date order placement day Transaction type type of the transaction(e.g. acquisition or conversion). In the case of some transaction types, additional information is displayed about the collected charges or savings tax. Value amount of transaction based on the current value of participation units. The transaction value is always denominated in Polish zlotys.

Number of units number of participation units involved in the transaction Balance [units] number of the fund s participation units remaining in the register after the transaction The Print option enables printing off the information shown on the screen. The operations executed on a given register can be viewed using the Previous and Next buttons. The displayed operations can be filtered using the following options: All available history all available operations starting from the last one History from to operations from a selected period of time History for a month history of operations in one of the last three months, including the current month The history covers all transaction types, including acquisition, redemption, conversion, cancelling a transaction, change of the participation units type or order payment. Details Select the register in question in the Portfolio24 option or Arka Funds option. Choose the Details option and then click on the Select button. The Details section contains the following information about each of the registers: Fund s name name of the fund and product for the selected register Systematic Savings Program - information whether the selected register is a register opened under the systematic savings program Unit type type of the unit (A, S or T) for the selected register, depending on the total value of the customer s assets Date of the last valuation date for which the last unit value is available Date of the last transaction date of the last operation on the register For registers which have already been opened the following data are displayed additionally (some of them are optional): Fund s currency symbol of the currency in which the fund operates Unit value current PLN value of the specific type of unit of the fund for which the selected register is kept Number of units number of participation units recorded in a selected register Register value according to last valuation PLN value of the register according to the last available valuation i.e. unit value multiplied by the number of units Unexecuted orders displayed only when some of the orders placed have not been executed yet. The information includes estimated value of such an order. Acquisition acquisition of participation units as a result of payment of money to the register Redemption withdrawal of money from the fund conversion (+) acquisition of units to a given register as a result of conversion of units from another register. conversion (-) redemption of units from a given register combined with acquisition of units in another register Information about packages The breakdown into packages presents units broken down by acquisition dates. Each transaction of participation units acquisition is equivalent to one package containing the units purchased on that day. In the register in which acquisition transactions were executed, the number of packages equivalent to the number of transactions will be recorded. After redemption of part of the register, the number of packages will be reduced to match the current register status Choose the Arka Funds option in the Portfolio24 view. Select the register in question. Choose Breakdown into packages and then click on the select button.

Information about particular packages includes the following data: Package acquisition date date of settlement of the package acquisition transaction Number of units number of units in a package Unit acquisition price price paid for units in the package, including the value of distribution fees Package value current value of the package calculated on the basis of the current unit price Profit/ Loss difference between the package acquisition price and the current package value Taxation information whether upon redemption the package is subject to income tax (package redemption is not subject to taxation if the package generated loss or was acquired before 31 November, 2001. Note: Information about tax charged is given only for investor s own knowledge. The register opening operation consists of two steps: order placement and payment. Opening of a register Choose the option Arka Funds Choose the option Open register Choose a fund from the drop-down list. Enter the amount. Read the information prospectus and tick the relevant flag. Click on the Accept button. Check the correctness of all data and confirm your order. Payment for register opening You can pay for the order to open a register using the BZWBK24 service at once or during five days following the order placement or visiting the Bank s branch during the five days following the order placement. When the order is paid up, it is submitted for execution. Payment for the order directly after placement Choose Yes as a reply to the question whether you want to pay for the order now. From a drop-down list, choose the account which will be debited. Click on the Accept button (the payment description and the account will be populated automatically). Check the correctness of the data and authorise the transaction using smscode or a token. After submitting the order for execution, the register is visible in the Arka Funds view as a Register currently opened. After the execution of the order (which may take up a few days), the register will appear in the selected fund in Portfolio24 option and Arka Funds option with information about its current value. How to acquire investment fund participation units? One-off acquisition If you have a register in which some participation units are recorded, you can buy more units: In the Arka Funds option selected a given register (with an assigned number and a value higher than zero). Choose the Units acquisition option. Click on the Select button.

From the drop-down list choose the account which will be debited. Enter the amount of money for which you want to purchase participation units. Click on the Accept button (the payment description and the account will be populated automatically). Check the correctness of the data and authorise the transaction using smscode or a token. The execution of the order may take up a few days. Cyclically If you have a register in which some participation units are recorded, you can place a standing order to buy more units: In the Arka Funds option selected a given register (with an assigned number and a value higher than zero). Choose the Standing order option. Click on the Select button. From the drop-down list choose the account which will be debited to pay for the regular purchases of participation units. Enter the parameters of the standing order to define the interval of time at which funds are to be transferred to pay for the acquisition of the fund s units. Click on the Accept button (the payment description and the account will be populated automatically). Check the correctness of the data and authorise the transaction using smscode or a token. The execution of the order may take up a few days from the transfer execution date. How to sell the units? If you want to withdraw all or some of your money from an investment fund, you have to place an order for redemption of the participation units. Choose the Arka Funds option. Choose the Units redemption option. Click on the Select button. Choose the fund whose units you want to redeem. Choose a register in the selected fund. From the drop-down list choose the account to which money from the redeemed units will be transferred Choose the method of defining the redemption volume (number of units, gross amount, net amount, entire register see below). Define the redemption volume (number of units with three decimals, amount of money including groshes). If you choose to redeem the entire register, this field is not displayed. Check the correctness of the data and authorise the transaction using smscode or a token. The execution of the order may take up a few days. Upon redemption of participation units a redemption fee may be charged (if the redeemed units are subject to such a fee) or income tax on savings profits (if the redeemed units have generated profits and are subject to taxation). If, as a result of redemption, the remaining number or value of units in the register is lower than the minimum required by the fund s statutes, all units from that register will be redeemed.

How to convert the units? If you want to withdraw your money from one fund and invest in other fund, you can do it quickly and easily by placing a conversion order. Choose the Arka Funds option. Choose the Conversion option. Click on the Select button. Click on the Redemption button. Choose the source fund whose units you want to convert into the units of another fund. Choose a register in the source fund. Choose a target fund from the list of available funds. If you want to make a conversion to an existing register, select the register on the list. If a new register is to be opened as a result of conversion, select the proper flag and read the information prospectus of the fund. Choose the method of defining the conversion volume (number of units, gross amount, net amount, entire register see below). Define the conversion volume (number of units with three decimals, amount of money including groshes). If you choose to convert the entire register, this field is not displayed. Check the correctness of the data and authorise the transaction using smscode or a token. The execution of the order may take up a few days. Upon redemption of participation units income tax on savings profits may be withheld (if the converted units have generated profits and are subject to taxation) or a distribution fee may be charged (if the target fund has a higher distribution fee than the source fund and the conversion is made for the first time). If, as a result of conversion, the remaining number or value of units in the register is lower than the minimum required by the fund s statutes, all units from that register will be redeemed. The same effect may be obtained when the participation units in the source fund are first redeemed and then participation units of the target fund are acquired, however, a conversion order offers a number of additional benefits: A single conversion order will be executed faster than two consecutive orders. An upfront fee may be charged in respect of a redemption order. In the case of conversion, a distribution fee will never be higher than the acquisition fee. In the case of conversion to a fund with the same level of distribution fee, the distribution fee will not be charged. In the case of conversion to a fund with a lower distribution fee, the distribution fee will not be charged. In the case of first conversion to a fund with a higher distribution fee, the distribution fee will be charged, however, only in the amount equivalent to the difference between the fee rates in the source and target funds. After returning to the source fund through another conversion to a given register (for example, 1% rate >>0% rate>>1% rate) the distribution fee will not be charged.

How to define the redemption or conversion volume? When placing the redemption and conversion orders, their volume may be defined in four ways: Number of units. Specify the number of units which are to be redeemed. As a result of redemption, you will receive the amount of money which is a result of multiplication of a number of units and unit value, after deducting the tax and applicable fees, if any. In the case of conversion, the resulting amount, after deducting the distribution fee, if any, will be used to pay for participation units of another fund. Gross amount. The amount specified in the order will be reduced by the potential tax and charges. The balance of the register is reduced exactly by the amount specified in the order. Net amount. You receive the amount specified in the order and the tax and fees, if any, are additionally charged. The balance of the register is reduced by the amount specified in the order plus the potential taxes and fees. In the case of conversion, the resulting net amount, after deducting the distribution fee, if any, will be used to pay for participation units of another fund. Entire register. All units recorded in the register will be redeemed or converted. How to view orders? The option View orders gives access to information about the placed register opening orders and orders for the acquisition, conversion and redemption of Arka funds participation units. To view the orders choose the Arka Funds option and then View orders option. Order execution: Orders concerning Arka funds are executed with a certain delay, according to the following pattern: - D day of order placement (in the case of register opening, the day on which the payment is made) - D+1 order execution day - D+2 day on which information about executed transactions is available Orders placed until 8.30 a.m. on the day D+1 will be settled on the same day. How to top up your mobile phone? The Phone top-ups option is available both to individual and corporate clients and is used to top up the account of a prepaid phone. The operation involves a transfer of money from the bank account to the account of the GSM operator. If you want to top up a phone number other than declared earlier, you will have to authorise the transaction using smscode or a token. Note: Transfers of this kind are subject to the daily limit of transfers to 3 rd party accounts. In order to define a GSM telephone number from which sms transactions will executed, use the option SMS transactions (in the Settings menu). You can use it also to change the telephone number. In each case, the transaction will need to be authorised by means of an smscode or a token. How to check the exchange rates? In order to check the exchange rates, check the option Exchange rates. The table presents exchange rates currently in force in the Bank (with the time and date when the exchange rates become effective) and the average NBP rate. Below the exchange rate table there is a field where a date can be entered to select a table with archive exchange rates (from 1 March, 2004).

How to buy/ sell foreign currencies? Thanks to the option Fx transfers To own account you can make fx transfers between own accounts. When your making a money transfer between an account kept in PLN and an account kept in a foreign currency it is equivalent to a foreign currency buy transaction. When you are making a reverse transfer, it is equivalent to an FX sell transaction. Terms and restrictions The total value of money transfers executed on one day may not exceed PLN 225,000 (equivalent amount)*. The minimum amount is PLN 10 (equivalent)*. For the purpose of currency conversion when making FX transfers, the buy/sell rates are used. FX transfer orders cannot be placed with forward value dates (with the exception of a situation when both accounts are kept in the same currency). Transfers cannot be saved under unreleased orders. An FX order to own account held with the Bank is free of charge. FX transfers to own accounts can be executed by all customers using BZWBK24 Internet service. * The above specified limits are subject to changes. Currently applicable limits can be found at www.bzwbk.pl. Money transfer execution From account, To account select own accounts from the list Dr amount, Cr amount enter the amount to be transferred in one of the fields and the system will calculate the other amount according to the applicable exchange rate table and populate the field automatically. The order will be executed no later than by the end of the following business day. View orders FX transfers between own accounts can be viewed and printed off under View orders option. If the transaction description is underlined, detailed information about the transaction is available. To view it, click on the selected transaction description. For FX transactions, in addition to the general data displayed under View orders option, the applied exchange rates, the number of the exchange rate table and the selected beneficiary s bank are additionally shown. On-line shopping This option enables placement via electronic channels of applications for various offers and services proposed by BZWBK S.A. Thanks to the forms available on the website, the procedure is very simple. Examples of applications for businesses: An application for the opening of a current account with electronic banking services and Visa Business Electron Card. An enquiry form addressed to the Business Advisor. Note: Completion of some of the fields on the form is mandatory. The fields which must be completed are marked with an asterisk. If the fields marked with an asterisk are not completed or are completed incorrectly, the application page will be displayed again and the names of fields completed incorrectly will be shown in red.

How to change the PIN password? Change of the PIN password in the BZWBK24 service is very easy. When you enter the Settings option, choose Change of PIN, complete the relevant fields and conform the change. BZWBK24 wap The BZWBK24 wap offers functionalities similar to those of BZWBK24 Internet, including the possibility to: obtain information about the account balance and detailed information about your current accounts and term deposit accounts, obtain the history of operations on own current accounts for the last six months open and terminate a deposit obtain information about current exchange rates change the PIN password. How to enter the Bank? If you want to use the BZWBK24 wap service and you have a current account in our Bank and a mobile telephone with WAP, you only have to sign a BZWBK24 electronic banking agreement. You don t need to do it if you are a user of BZWBK Internet service all users of BZWBK Internet are automatically allowed to use the BZWBK24 wap system. Access to the service is ensured by the link on the website wap.bzwbk.pl. First, you have to log into the service by entering the NIK an PIN numbers and clicking on the Accept button. When you log in, you will see the main menu consisting of: Portfolio24 Debit cards Deposits Transfers Released orders Unreleased orders. How to look at Portfolio 24? The option Portfolio24 in the main menu is used to identify an account in question. You will also find here information about your term deposits. In addition to the possibility of checking the balance of the selected account, you can also make use of the other two options: History and Information. The Information option contains information about the credit limit, interest rate and the exact account number. In the History section, the last operation executed on the account is displayed. If you are interested in earlier operations, choose the option Earlier. In order to pass to an operation executed on the specific day, choose the option Specify date and then type it in the format dd-mm-yyyy. How to transfer money between own accounts? Choose the option To own account. Select the account from which you want to transfer money. Select the account to which the money will be transferred. Enter the amount to be transferred.

Enter the transfer description. Enter the transfer execution date. Note: If you want to execute the transfer on the same day, do not complete the field. If you want to execute the transfer later, enter the forward date in the following format: dd-mmyyyy. Accept the data entered. Check the data when they are displayed again. Confirm execution of the order. How to pay your bills? If you use a token, you will have access to the same list of beneficiaries as in the BZWBK24 Internet service. Data of counterparties to which you want to transfer money can be selected from the list or entered manually. You cannot, however, add new beneficiaries to the list over the phone. The orders placed are confirmed using the token, similarly as in BZWBK24 Internet. 1. money transfers without a token Select the option Transfers Select the option To 3 rd party accounts. Select the account from which you want to transfer money. From the list of beneficiaries (only the name of beneficiary is displayed) select the account to which you want to transfer money (e.g. housing cooperative s account) Enter the amount to be transferred with exact number of decimals (groshes) Enter the transfer description. Enter the transfer value date. Note: If you want to make your transfer on the same day, do not fill in the value date field. Accept the data entered. Check the data when they are displayed again. Confirm execution of the transfer. In a similar way you can transfer money between your own accounts. You can check whether your order was accepted for execution under Released orders. 2. money transfers with a token I. Transfer to an account selected from the list of beneficiaries Select the option Transfers Select the option To 3 rd party account. Select the account from which you want to transfer money. Select the option Beneficiaries. Enter the first letters (at least one) of your the beneficiary s name. Select Search. Check whether the correct beneficiary has been displayed. If another name is displayed, use the Next/ Previous option. When the correct account is displayed, enter the account into the transfer. Enter the amount to be transferred, description, transfer type and date (only if you want the transfer to be executed with a forward value date). Choose Accept - all data entered will be displayed again for verification. Check the correctness of the data and choose Authorisation with token. Enter token challenge into the token. Enter the token response into your mobile phone. Choose Execute transfer.

II. Transfer to a new, undefined account (not included in the list of beneficiaries) Select the option Transfers Select the option To 3 rd party account. Select the account from which you want to transfer money. Select the option New account. Enter the account number and the beneficiary s data. Enter the amount to be transferred, the description and the date (if necessary). Choose Accept. Check the correctness of the data. Authorise the transfer with the token. Cancelling an order You may want to cancel a transfer order which you placed earlier with a forward value date. To do it, use the option Cancel order available under Released orders. You have to do it, however, no later than on a day preceding the order execution date (e.g. an order with a value date 7 January, 2004 can be cancelled no later than on 6 January, 2006. How to use Unreleased Orders? Unreleased orders is an option which allows you to delete or execute orders. In the BZWBK24 wap service you can do it only individually. You can find more information about Unreleased orders in the section on BZWBK Internet. How to view orders? In the BZWBK24 wap service you can view orders placed under the Released orders option. Transactions can be displayed according to the order status criteria: All, Executed, Nonexecuted, Term, Rejected, Cancelled. After choosing any of these options, you will see the last operation in a given category. If you are interested in older transactions, choose the option Previous. How to start saving money? Opening a deposit Select the option Opening available under Deposits. Select the account from which you want to transfer money to the deposit account. Confirm by pressing Next button. Enter the amount and choose the appropriate deposit type from the list of available deposits*. Confirm your order to open a deposit. When the order to open a deposit is confirmed, the transaction will for a short while be displayed under Released orders- Unexecuted with a status Accepted for execution. Note: You can view your deposits in Portfolio24 in the main menu. The following types of deposits are available: - fixed interest rate - variable interest rate - renewable/ non-renewable - capitalised non-capitalised

Terminating a deposit Select the option Terminating under Deposits. Select the deposit which you want to terminate. Select the account to which the money from the terminated deposit will be transferred. Accept the deposit termination order. Confirm the deposit termination. How to check the exchange rates? The exchange rates can be checked on the home page of the service wap.bzwbk.pl. How to change the PIN password? Change of the PIN password in the BZWBK24 wap service is very simple. Choose the option Change PIN, complete the required fields and confirm the change. Technical information The presentation of Internet pages in WAP depends on the mobile phone model. Therefore, some differences may occur in the use of BZWBK24 wap on various mobiles. You should not be concerned about that. We have tested all popular mobile phone models used in Poland and the service works correctly on all of them. If you use a Nokia mobile, when selecting options from the lists or entering data, you have to choose the fields in square brackets. For example, to enter the amount you have to type it in the field [...]. The fields in which you enter data are either numeric or alphanumeric. In numeric fields only digits can be entered. Alphanumeric fields accept all characters which are entered by pressing the mobile phone keys. In some mobiles, you can change the field type (e.g. in Siemens mobiles using the # key and in Motorola phones using the Menu button). Note: The field used to enter the PIN password is an alphanumeric field. This means that to enter digits, you need to keep pressing each key a number of times until the right digit is displayed. Mobile phone configuration More and more mobile phones with the WAP functionality are launched on the market. Below find the information on the configuration of the most popular phone models to ensure safe use of the BZWBK24 wap service. To check or modify the configuration, enter the Settings option of the Internet functionality of your mobile phone. Some phones have more than one profile of Internet connections. You have to choose one of them and set up the configuration. Note: The Bank shall not be held liable for problems resulting from failure to conform with the recommended phone configuration when using the service. Note: When connecting to the service from the territory of countries other than Poland, a switch from ISDN to analogue transmission is recommended.

BZWBK24 sms The BZWBK sms service offers access to bank accounts via the mobile phone, however, without a possibility of making money transfers. The only exception is topping up of a prepaid mobile phone. Other functionalities of this service are related to requests for information about an account which are sent to the customer in the form of short text messages (SMS). The messages include: balances of own accounts (maximum nine accounts) history of operations on the accounts (last five operations) current exchange rates for USD, EUR, CHF and GBP detailed information about own accounts (maximum nine accounts) information about the status of ARKA Fund registers (value, history) information about the current valuation of the investment funds. In BZWBK24 sms you can also change your PIN password and top-up your prepaid mobile phone. To use the service, you need to make the appropriate settings in the message centre of your phone. The numbers of the message centres are different depending on the GSM operator you are using. How to enter the Bank? In order to get the information, you have to send the appropriate text message to the number 2424. After a short while, you will receive a text message with the response. Your message should always contain the following elements: NIK number PIN password code of the selected service. Note: NIK and PIN numbers and the service code have to be separated by a space. Example: In order to obtain information about the account balance, you have to send a following SMS message to the number 2424: 12345678 0000 S, where: 12345678 stands for a NIK number 0000 stands for a PIN password S is the account balance service code After a short while, you will receive an SMS message with information about the account balance, e.g. ACCOUNT BALANCE 27 April, 2002 - R 1 PLN 125.55 - R 2 USD 565.50 where R1 and R2 stand for different accounts. How to access your account? Depending on the kind of information you want to obtain, after NIK and PIN numbers type in one of the following service codes: S account balance (1-5)

S2 account balance (6-9) H1 history of transactions on account 1 for other accounts H2, H3... H9, respectively. I1 details of account 1 for other accounts I2, I3... I9, respectively. How to obtain information about investments? The BZWBK24 sms service also gives access to information about the status of the investment fund registers. Depending on the type of requested information, after PIN and NIK numbers you should enter one of the following codes: A S 1 or A S value of the first five registers A S 2 value of the next five registers A H {register number} history of transactions for the register number specified in the response to the register value enquiry How to check the value of investment fund participation units? To obtain information about the current valuation of the investment registers send a text message with the word ARKA. How to check the exchange rates? To obtain information about the current exchange rates, after NIK and PIN numbers type in one of the following service codes: KN average NBP rates KG exchange rates: money KB exchange rates: f/x currencies Help To obtain information about the available service codes, send a short text message with HELP or? to the number 2424 (without giving your NIK or PIN numbers). How to top up your mobile phone? The service enables topping up your prepaid mobile phone account (Idea POP, Simplus, Era Tak Tak) by sending a text message to a toll-free number 8024. When you send an SMS message, the specified amount of money from your account will be transferred to the mobile phone operator. The service is free of charge. Before starting to use this service, you need to register the telephone number from which you want to top up your phone. You can do it: at the Bank s branch by contacting the BZWBK24 Electronic Advisors Team at (061) 856 52 42 provided you are a user of the BZWBK24 Telephone service. Before talking to the operator who may register a telephone number you have to log in by entering the NIK and PIN numbers to the BZWBK24 Telephone service via the BZWBK Internet service authorisation by smscode or a token is required. From the registered phone number, you will be able to top up any prepaid mobile phone numbers, both the registered number and any other numbers specified in the text message. The text message must have the following format (elements in the parentheses are not always required): (NIK) PIN (account) D amount (mobile telephone number).

NIK In the majority of cases you don t need to type in your NIK number. When the text message without a NIK number is sent, the mobile phone number from which the top-up order is sent will be automatically associated with a NIK number. PIN The PIN password to the BZWBK24 sms service. account Account Code e.g. R1, R2 etc. If you have only one account which can be debited via electronic banking services, you don t need to specify that number. D Top-up symbol. amount Amount (Polish zlotys without decimals) which will be transferred to top up the mobile phone account. The top-up amounts match the standard nominal top-up values set by the operators. In the case of Simplus and Era Tak Tak, any amount (expressed in PLN without decimals) from the range defined by the operator. Detailed information about the acceptable amounts can be found on the operator websites or at www.bzwbk.pl. mobile telephone number The mobile telephone number that will be topped up. If you are topping up the mobile telephone which you are using to send the text message, you don t need to specify the number. Examples of text message instructions (sent to the number 8024): 1111 D 50 topping up one s own mobile telephone account with an amount of PLN 50 1111 D 100 303123654 topping up the mobile telephone account number 303123654 with an amount of PLN 100 Top-ups of prepaid mobile phones via BZWBK sms service have to fall within the monthly value limit amounting to PLN 150 per one calendar month. In the future, the limit may be changed. The limit does not apply to top-ups effected via BZWBK24 Internet or ATMs. How to change your PIN? If you want to change the PIN password to the service, after entering the NIK number and your current PIN password, type in P nnnn, where P is a symbol of the PIN change and nnnn is a new PIN number (only digits are allowed): Example: 12345678 0000 P nnnn

My Company Plus If the standard BZWBK24 electronic banking service package is not sufficient for your company, you may use a special package called My Company Plus (Moja Firma plus). This package offers additional possibilities of convenient finance management without a need to install additional software. The key features include: registration and support of up to 50 users active in a single company making money transfers requiring two signatures defining pairs of users authorised to sign off transactions managing user rights to the accounts and system functionalities list of own accounts to be debited and credited up to 200 entries (vs. maximum 9 in the standard BZWBK24 package) limit of transactions authorised with an smscode or a token up to PLN 1,000,000 (vs. PLN 125,000 in the standard BZWBK24 package). To activate the package, you need to sign a new agreement for BZWBK24 electronic banking services with appendices (including appendices for individual users). A limitation of the package is absence of Alerts24 and Arka24 services. Furthermore, in the services BZWBK24 Telephone, BZWBK24 sms and BZWBK24 wap, My Company Plus package is supported only in a passive way. The majority of operations in My Company Plus package are executed in exactly the same way as in the standard BZWBK24 package. A new component is the whole area related to different categories of system users and their rights. As a result of diversification of users in terms of their authorisation to carry out specific operations, the Unreleased orders option becomes of special significance. Unreleased orders is the option in which orders requiring two signatures will be handled. How to register your company users? My Company Plus package offers a possibility of registering up to 50 users from one company. Upon registration, daily limits and single transaction limits are set. The limits will apply to the transactions which the user can execute individually and in defined user pairs. Registration of company users can be done exclusively at the Bank s branch. Two basic user categories are distinguished: administrators and regular users. Regular users may have different rights (to execute operations, view accounts or to create, sign off and send orders). What kind of rights can be assigned to users? For each user, individual rights to carry out operations and general and detailed rights to access the company accounts can be defined. You can do that at the Bank s branch or via the Administrator option in BZWBK24 Internet. Rights to execute operations The rights to execute operations determine whether the user can execute the following types of operations: Transfer to own account Transfer to 3 rd party account Transfer to ZUS account Taxes

Internet transfer Phone top-up FX transfer General and detailed rights to access company accounts General user rights are defined separately for three account groups (current accounts, deposits and loans). The defined rights will also apply to the accounts of a given type opened by the company in the future. Detailed rights are defined separately for each of the company s bank accounts and prevail over the general rights. This means that general rights apply to all accounts from a given category (current, deposit, loan), with the exception of those accounts for which detailed rights have been defined. Detailed and general rights may have the following values: Unrestricted access to accounts authorisation to view the accounts, define orders, modify unsigned orders, delete unsigned orders, signing orders and sending signed orders Creating and sending signed orders - authorisation to view the accounts, define orders, modify unsigned orders, delete unsigned orders and sending signed orders Sending signed orders authorisation to view the accounts and send signed orders Creating and signing orders - authorisation to view the accounts, define orders, modify unsigned orders, delete unsigned orders, sign orders, cancel signed orders and delete signed orders Creating orders - authorisation to view the accounts, define orders, modify unsigned orders and delete unsigned orders Viewing accounts authorisation to view the accounts only No access to the accounts no authorisation to access the accounts. Each user of active functions in the BZWBK24 Internet service has to use either smscodes or a token. In My Company Plus, there is no option to order money transfers to predefined accounts. Administrator rights The special status of the administrator in the BZWBK24 Internet service is associated with the rights to: manage the rights of other users (rights to BZWBK24 services, rights to execute operations and the general and detailed rights to accounts), view the signing off matrix (information about the maximum value limits for single transactions executed by the users individually or in pairs. The administrator may not change his/her own rights which have been assigned by the Bank or other administrators of the company. The administrator authorises all instructions to change selected user rights by means of an smscode or a token. The decision to assign the administrator status to the user should be made upon registering the user at the Bank s branch.

How to use the Administrator option? It is possible to use My Company Plus package without appointing an administrator but in the case of larger companies the Administrator option offers numerous advantages. It helps to manage the access of users to particular services and their rights to execute operations and view the accounts and gives access to the signing-off matrix i.e. information about the maximum value limits for transactions which each user may execute individually or jointly with another user. The Administrator option will appear in the main menu only when the logged user has administrator rights. After choosing the option, a list of users appears on the screen. After selecting a specific user, the administrator may manage their rights by selecting an appropriate authorisation category from a drop-down menu in the upper right hand corner of the screen. Managing access to services After selecting the option Administrator Access to services a list of users appears on the screen with information about their access to particular services from the package. The following information is available for each of the users: NIK Name and surname BZWBK24 Internet service status BZWBK24 Telephone service status BZWBK24 sms service status By selecting and deselecting particular fields in the table, the Administrator may grant and revoke access to services to particular users. After changing the status of the services, modified data are displayed on the screen which need to be confirmed by smscode or a token. Managing the rights to operations The option Administrator Rights to operations defines which operations can be executed by particular package users. After choosing the option, a table with operation types will appear. In order to define or modify the rights of a selected user select or deselect the relevant operation types and click on the Accept button. Using the selection list below the table you can pass on to the presentation of rights of another user of the service package. Managing the rights to accounts General rights After selecting a user in the Administrator Rights to accounts option, a table will appear on the screen presenting the status of the user s general rights i.e. rights to particular categories of accounts (current, deposit, loan). In order to define or modify the rights of selected users, use the selection list in the second column of the table (General rights) for a given account category. The fields in columns 3-6 (Read only O, Save Z, Signing P, Sending W) serve only the information purpose and change depending on the choice made in column two. Using the selection list below the table you can pass on to the presentation of rights of another user of the service package.

Detailed rights` The general rights defined in the way described above apply to all accounts from a given category, unless detailed rights are defined to specific individual accounts. You enter the screen presenting the status of detailed user rights by clicking on the link None or Defined in the last, seventh column of the table (Detailed rights). Depending on which item is selected in that column, all current accounts, deposit accounts or loan accounts will be displayed. Detailed rights are defined and modified using the selection lists by the numbers of particular accounts just like in the General rights table. Signing off matrix The option Administrator Signing off matrix offers access to the table reflecting the financial discretions in force in the company. The table shows maximum value limits for individual transactions which each user may execute with authorisation by one or two persons. Individual transaction limits apply to all types of transactions (transfers to own accounts, 3 rd party accounts and ZUS accounts, payment of taxes, opening or terminating a deposit). On the screen, a signing-off matrix for a particular user is shown. Using the selection list below the table you can pass on to the presentation of a signing off matrix of another user of the service package. The Signing off matrix serves only information purposes because no changes can be made to the matrix via this option. The matrix can be defined and/or modified exclusively at the Bank s branch. Portfolio24 in My Company Plus package The specificity of My Company Plus package has necessitated changes in the operation of Portfolio24 service and the range of available information. Thanks to the hierarchy of user rights, each user using this option has access only to those accounts to which the user is authorised. Additionally, in the summary table of accounts, information about the utilised value of daily transaction limits for My Company Plus package is displayed. Utilised user limit on money transfers the total value of transfer orders authorised by the logged user on the given day using smscodes or a token. Utilised limit on transfers for the entire company - the total value of transfer orders authorised on the given day using smscodes or a token by all users. Additionally, below the table of accounts a number of smscodes used by the company is shown, broken down into free of charge and paid codes. The summary shows smscodes sent to all users in the company since the last settlement date. How to make a transfer? In My Company Plus, users with different rights can participate in money transfers at different stages. The process of preparing money transfers by the authorised users looks the same as in the standard BZWBK24 Internet service. Differences occur only at the stage of confirming the order. Transfer order confirmation Depending on the rights assigned to the user who prepared the transfer and depending on whether the transfer is intended to go directly to the Bank, the user selects the appropriate operation type and if necessary shows where the order should be temporarily stored.

The following operation types are available: Place order the order is saved under Unreleased orders where it will wait for the approval by an authorised user or users. Sign and place order the order is signed and saved under Unreleased orders where it will wait for sending out and/ or signing off by the second approver. Sign and send for execution the order is signed and sent for execution without going through Unreleased orders. This option can be used exclusively by users authorised to individually sign off orders. If the user does not have such rights or of the value of the transfer exceeds the user s individual authorisation limit, choosing the option Sign and send the order for execution will be equivalent to choosing the option Sign and place order. This means that the order will be saved under Unreleased orders where it will wait for the signature by the second approver. Instead of going to Unreleased orders, the order may be added to a batch. Batching of orders is a functionality addressed to companies handling large batches of transfer orders. A separate section of this guide is devoted to this functionality entitled How to use order batching? Unreleased orders presentation of orders In My Company Plus package, all orders which need additional authorisation are saved in the Unreleased orders section. This section can contain maximum 200 orders awaiting modification, amendment, authorisation or sending out. In the Unreleased orders, all types of transfers requiring authorisation by another approver can be stored: transfers to own accounts, deposit opening and termination and transfers to 3 rd party accounts. When a user with limited rights views the Unreleased orders, only orders concerning the accounts to which the user is authorised are displayed. Orders saved under Unreleased orders may have a different status. An order may be: Incorrect this means that some of the order data are incorrect (most often the account number) Expired order execution date is in the past Placed an order has been prepared but has not been signed Awaiting second signature an order signed by one approver requiring authorisation by another approver. Ready for sending an order is correctly signed by one or two approvers as required and is ready to be sent. Below the table with orders, there is a summary of all orders saved under Unreleased orders, broken down into Placed, Awaiting second signature and Ready for sending. Unreleased orders filters When viewing unreleased orders you can arrange the list displayed according to different criteria. In My Company Plus three additional filters are available: Orders to be modified orders which can be modified by the logged user Orders to be authorised orders which can be signed off by the logged user individually or together with another approver (in accordance with the discretions defined in the signing off matrix) Orders to be sent orders which can be sent by the logged user. Unreleased orders order processing Orders stored under Unreleased orders can be processed individually or in a batch. Select an order or a group of orders (maximum 50 orders) and click on one of the available buttons. Depending on the assigned rights, the user can choose between the following options:

Sign - signing orders without a need to send them directly for execution. A signed order will wait under Unreleased orders for sending and/ or authorisation by another approver. Sign and send for execution signing the order and sending it to the bank for execution. The order will be sent for execution only when it has the required signatures (in accordance with the signing off matrix). Send for execution sending correctly signed orders for execution. Orders which are not ready for sending can be amended or modified. This applies only to orders which are unsigned (status Placed). Modification can be introduced by a user authorised to sign the order individually or in a pair with another user. Such a user may also delete from the Unreleased orders those orders which should not be executed. There is a possibility of transferring an order to a batch option Add to a batch. Detailed information can be found in the section entitled How to use order batching? Viewing orders Information about orders which have already been executed and are not displayed under Unrealised orders any more can be found in the View order option available under Released orders. Only orders associated with accounts to which the user is authorised are displayed. By clicking on the transaction description in the table you can read more detailed information about the users who were involved in the preparation and execution of the order, including the user parameters and the date and time of executing the following activities: creating the order first signature of the order second signature of the order (if two-step authorisation was required) sending the order. Example: How to make a money transfer requiring two signatures? Users may sign transfer orders in pairs when: the transfer order concerns an account to which both users have authorisations to sign off single-transaction limits of the users defined in the signing off matrix authorise them to sign a transfer order for a given amount The procedure of transfer order authorisation by two users will be demonstrated on the example of a transfer of PLN 300 to a 3 rd party account. The transfer is executed by users whose authorisation limits in the signing off matrix are as follows: User 1 User 2 User 1 PLN 200 PLN 1,000 User 2 PLN 1,000 0 PLN The individual sign-off rights are shown on the diagonal line (fields marked grey). The table shows that: User 1 may individually sign off money transfers up to PLN 200. User 2 is not allowed to sign off money transfers individually. In the remaining fields (white) rights of the users to authorise transactions in pairs are shown. Because in the order authorisation procedure, the sequence of signing is irrelevant, the values appearing in those fields are always equal. In the example above, the pair User 1 + User 2 may jointly sign off money transfers up to PLN 1,000. After completing the order form for a transfer to a 3 rd party account and clicking the Accept button on the next screen, the following options are available: Place order, Sign and place order, Sign and send order for execution (see above). User 1 from our example cannot individually sign and submit for

execution a money transfer for PLN 300, however, User 1 may authorise the money transfer in his/her own name and save it under Unreleased orders where it will await signature by User 2. To do it, User 1 has to use option Sign and place order (or Sign and send for execution) and confirm the order by means of an smscode or a token. After signing the order, User 1 will automatically pass on to Unreleased orders option where the order will be displayed with the status Awaiting second signature. When User 2 logs in the service and enter Unreleased orders, he/she will see the same order among other orders awaiting signature or sending for execution in the future. To search for specific transactions, the user may use different filters, for example Orders to be authorised. User 2 may only view orders which can be signed by him/her individually or jointly with another user, in accordance with the signing off matrix. User 2 will not see the orders placed by users with higher authorisation limits. After selecting a transaction and choosing the Details option, the user may read detailed information about the transaction and check who signed it first. In order to sign the money transfer order and send it for execution, User 2 has to click on the Sign and send for execution button. After correct authorisation of the order by means of a token or an smscode, the order will disappear from Unreleased orders and its status can be tracked using the View orders option. How to exchange data with other systems of the company? My Company Plus enables exchange of data with other IT systems used by the company. The following operations may be executed in relation to exchange of data concerning the beneficiaries and the transactions: upload into My Company Plus of the transfer beneficiaries data saved in the electronic format download from My Company Plus of the transfer beneficiaries data which can then be uploaded into other systems used by the company. download from My Company Plus data about the operations on the company account from a particular statement and uploading them into other systems used by the company. uploading into My Company Plus a list of money transfers prepared in other IT systems used by the company (e.g. the payroll system). Upload/ download of the beneficiaries data Before starting to prepare money transfers, it is recommended to create a List of beneficiaries. You can do it by adding the to the list one by one, as described in the BZWBK24 Internet chapter, section How to make your money transfers easier? As a user of My Company Plus, you also have a possibility of batch uploading of beneficiaries from a specially prepared file (maximum 20 at a time). To do it, choose Settings Beneficiaries first and then from the top menu choose the option Import of beneficiaries and specify the name of the file which contains the data to be uploaded. The uploaded file must be a text file prepared in a special format. Detailed description of the format can be found in the Import of beneficiaries option. If you want to download data from the List of beneficiaries and use them in other company systems, you can do it easily using My Company Plus service. Choose Settings Beneficiaries first and then from the top menu choose the option Export of beneficiaries. You will generate a text file in a format required to download data from the List of beneficiaries. Download of data from estatement In the standard version of BZWBK24 services you can download data from a selected estatement in the PDF, HTML or CSV format. Detailed rules of using estatements are described in the section BZWBK24 Internet How to look at Portfolio24? estatement. In

My Company Plus, you can also choose an additional format MT940 accepted by numerous financial systems. To download a file in MT940 format press the button with an appropriate name. Uploading the list of money transfers Money transfers can be entered into Unreleased orders one by one, following maturation of financial obligations. In My Company Plus, you also have an option of uploading into Unreleased orders a whole list of money transfers from a specially prepared file (maximum 200). For example, you can upload payroll transfers generated in the payroll system. To this end, choose from the main menu the Unreleased orders option and then select the option Import of transfers and specify the name of the file which contains the data to be uploaded. The uploaded file must be a text file prepared in a special format. Detailed description of the format can be found in the Import of transfers option. A file with transfers can also be uploaded into a Batch (maximum 200). The process of order batching is described in the section How to use order batching? How to use order batching? My Company Plus package offers the users a possibility of order batching which facilitates processing of large numbers of orders. Up to 200 transfers can be processed within one batch. The number of batches is unlimited. The following activities are available within the order batching functionality to facilitate management of groups of orders: presentation of a list of defined batches defining and changing the batch name adding an order/ orders to a batch modifying and deleting orders in a batch; transferring orders between batches presentation of detailed batch data signing off batches and sending them for execution deleting and closing batches presentation of information about batches in the View orders option. Presentation of a list of defined batches Information about defined batches is available from the main menu option Batches. Two lists are displayed under this option: Open - the list contains information about batches currently processed (modification, order transfer, signing off, sending for execution, etc.) Closed the list contains information about the batches which have been intentionally closed by the user and which cannot be subject to any modifications. Closed batches may not be deleted, signed off or sent for execution. The only operation available is to view orders entered in a batch. Closed batches (similarly to orders in the View orders option) are available for a period of maximum two years. Afterwards, the batches will not be available for display in the BZWBK24 service. For each batch, the following data are displayed: Batch name assigned upon creation of a new batch Number of orders - number of orders in the bath Batch status the batch may have one of the statuses listed below: New no order has been signed yet Awaiting signatures the batch contains orders which haven t been signed yet Ready to be sent all orders have the required signatures Processed a batch sent for execution

Executed all orders have been correctly executed and the transactions have been posted to appropriate accounts Rejected all orders in a batch have been rejected Partly rejected at least one order in a batch has been rejected In progress some of the orders in the batch have not been executed Closed a batch which used to have one of the above listed statuses and was subsequently closed by the user. Closing the batch (in contrast to deleting a batch) ensures access to information about the entire content of the batch. Deleted batches are not visible in My Company Plus. Batch number batch identifier Amount total value of all orders in a batch in PLN. In the case of orders for FX accounts, the value is converted into PLN at the current f/x currency buy rate in force in BZWBK S.A. Date batch creation date Defining and changing the batch name In order to define the name of a new batch, select the option New under Batches/ Open. You can also modify the name of an existing batch using the option Change name. After confirming the instruction, the batch with a defined/ modified name will be displayed under Batches. Adding an order/ orders to a batch In My Company Plus, you can add the following types of orders to a batch: - PLN transfers to own accounts - disbursement of a revolving loan - repayment of a revolving loan - opening a deposit - terminating a deposit - PLN transfers to 3 rd party accounts - transfers to ZUS - taxes - FX transfers to own accounts - FX transfers payment orders - standing orders. Upon the creation of the above listed transfer types, there is an option which makes it possible to add an order/ orders to a new or existing batch. Orders may be added to a batch one by one (upon authorisation of the transfer order forms) or in groups using the Unreleased orders option. After selecting the option To a batch a selection list will appear on the screen. The list contains open batches and an additional option New batch which allows for assigning the order/ orders to a new batch. If an order/ orders are assigned to a new batch, its name is generated automatically. The batch is assigned a default name containing information about the date and time of its creation New batch dd:mm:yyyy hh:mm. The name assigned automatically can be modified in accordance with a description in the section Defining and changing the batch name Presentation of a list of orders in a batch To display the list of orders in the batch choose the Batch option and click on the name of the appropriate batch. The content of the selected batch will be displayed. Using the options in the top menu and below the list of batched orders you can execute operations on the orders.

Modifying and deleting orders in the batch Transferring orders between batches After clicking on the name of a batch, a list of batched orders will be displayed. By selecting an order and choosing one of the available options (from the selection list on top of the screen or below the table with orders) you can: display order details modify an order (unsigned orders only) delete an order/ orders transfer an order/orders to another batch. Presentation of batch details After selecting a batch and choosing the Details option the following information about the batch is displayed: Batch name Batch number Value of all orders Value of signed orders Date of batch creation Batch status Number of orders signed, deleted, cancelled, imported, rejected, partly signed, sent and executed Last operation on the batch NIK of the user executing the last operation Date and time of the last operation. Signing batches and sending for execution Batches defined under the Open option can be signed off and sent for execution only individually. The rules concerning signing and sending orders for execution by authorised users are identical as for groups of orders saved under Unreleased orders. Deleting and closing batches In order to delete a batch, select the appropriate batch and from the top menu choose the option Delete. After accepting the instruction, the batch will be deleted and will not be available under any option. Orders sent for execution will be visible in View orders option but not in the batch view. If you need a possibility to view a batch (e.g. Executed or Rejected), use the option Close. The batch will then be visible under Batches/ Closed. No operations (modifying, deleting, signing, sending for execution, etc.) can be conducted on closed batches. The only available option is to View orders which have been added to a batch. Closed batches (similarly to orders in the View orders option) are available for a period of maximum two years. Afterwards, the batches will not be available for display in the BZWBK24 service.

Presentation of information about batches in the View orders option Orders which have been sent for execution in a batch are additionally flagged on the View orders screen. In addition to standard information, name of the batch in which the order was sent is also displayed. After clicking on the name of a batch, information about all orders sent in the selected batch is displayed. How much do I pay for My Company Plus package? Fees and charges in accordance with the Schedule of Fees and Charges of BZWBK S.A. are collected in consideration of the use of services from My Company Plus package. A monthly fee for access to BZWBK24 services offered in My Company Plus package amounts to PLN 30 (as at 16 September, 2006). Alerts24 Each user of BZWBK24 who has at least one PLN account which can be debited may use an additional service called Alerts24. In this service, the following types of text information will be sent to a specified number of your mobile phone and email address: paid messages: - information about the operations on your current account/ accounts - information about the use of BZWBK24 services free of charge messages - information and marketing messages about new services and promotions in BZWBK24 (SMS, email, banners on the transaction site) - regularly issued email newsletter with information about new services, promotions and current developments in electronic banking in Poland and worldwide. My Money Package Under My Money package available to business clients, you will receive information about the following events: debiting the account with an amount equal to or higher than a set limit (0, 50, 200, 500, 1 000, 10 000) all transactions excluding debit card transactions crediting the account with an amount equal to or higher than a set limit (0, 50, 200, 500, 1 000, 10 000) unexecuted standing order exceeding the credit limit account balance less than zero account balance higher than zero account blocked by the bank credit limit expiry date (a set number of days in advance) unexecuted BZWBK24 transaction failure to access one of the BZWBK24 channels settlement of a transaction with a value equal to or higher than a set limit (0, 50, 200, 500, 1 000, 10 000) rejected debit card transaction debit card cancelled/ blocked debit card unblocked renewal of debit card confirmed

How and when can I activate the Alerts24 service? If you want to activate Alerts24, you can do it: at any branch of BZWBK by signing a new BZWBK24 electronic banking services agreement, via BZWBK24 Internet. In the latter case, if you signed your agreement before 13 September 2004, after activation of the service in the paid package you will receive by mail a new agreement which you should sign and send back within 30 days from activating the package. If the Bank does not receive a signed copy of the agreement before the deadline, the Alerts24 service will be terminated and a fee will be charged for the use of the paid package. In order to activate Alerts24, you have to: choose the paid package and/ or the marketing package give the number of your mobile phone or your email address to which information about events in your accounts and events related to BZWBK24 services will be sent. You can define up to 3 mobile phone numbers and up to 3 email address. All messages will be sent to all mobile phone numbers and email addresses defined give the number of your mobile phone or your email address to which marketing and promotional information will be sent activate the mobile phone numbers and the email addresses by entering the received activation codes in the Internet functionality or showing them to the branch staff. When activating the Alerts24 service, you may additionally specify the hours when the text messages are to be sent to you and set a detailed configuration of the events (select and deselect events to be reported, set the value limits, etc.) How much do I pay for Alerts24 service? Paid packages Fees and charges will be collected for using the Alerts 24 service, in accordance with the Schedule of Fees and Charges: monthly fee (including a defined number of free of charge text messages and emails) a charge for each text message and email above the free of charge limit. Fee for using the service Number of free of charge text messages Number of free of charge emails Charge for each text message sent above the free of charge limit in My Money package PLN 10 20 unlimited PLN 0.30 (Rates as at 1 January 2006. Current rates for services under Alerts24 can be found on the website of BZWBK S.A. at www.bzwbk.pl) Free of charge packages If you haven t decided yet to activate Alerts24, you can test it using a free of charge trial package. The trial package will be active for 30 consecutive calendar days from its activation and the number of text messages available is limited to 10. The number of email messages is unlimited.

You can cancel the trial package at any time via the BZWBK Internet service. If you don t do it within 30 days from activating the trial package, it will be automatically converted into a paid package. A trial package can be activated only once. How to activate Alerts24 via the BZWBK Internet service? The most convenient way to manage the functions of Alerts24 is the BZWBK24 Internet platform through which you can: select a package and activate Alerts24 view information about the current settings of the service define and activate mobile phone numbers and email addresses to which messages will be sent set the detailed configuration of events (select/ deselect events to be reported, set the value limits, etc.) block/ unblock sending notifications (all or selected types) Package activation Choose the Packages option from the main menu Select a package which you want to use and then click on the Subscribe package button On the next screen click the Accept button. You can also check the box to mark your consent to receiving free of charge marketing information and notifications Accept the statement which appears on the screen clicking on the Accept button. Choose the Delivery channel option from the main menu. Enter the mobile phone numbers and email addresses to which the messages will be sent and define the hours in which you want to receive SMS messages and then click on the Accept button (you can use this option also when you want to change the settings of the service). When you complete this procedure, you will receive activation codes for each defined mobile phone number and email address. Codes for telephone numbers are sent in the form of SMS messages and for email addresses in the form of emails. The codes must either be given to the bank staff at the branch or entered on appropriate pages of BZWBK24 Internet. Before you enter the codes by the defined mobile phone numbers and email addresses a note Inactive will be displayed next to each of them. In order to enter the codes: Click on the button Enter activation code On the next screen, type the codes in the relevant fields and click on the Accept button. (The Resend code button is used to request for sending a code to the specified mobile phone number or email address once again. Only the last code sent is valid.) How to manage the settings of the Alerts24 service via BZWBK24 Internet? On the Alerts24 page you will see a list of active packages which you are using. You can view detailed settings of the service and individual packages, change the settings and block/ unblock sending the messages. Note: Blocking the messages does not mean cancelling the Alerts24 service. To do it, you need to visit the Bank s branch. After blocking the service, the monthly fee is still charged.

Details To see the details concerning a given package: Select an account or item within the package. Choose the Details option from a drop-down menu on the top of the screen. In the Details section you will see the list of events about which you are currently notified and the delivery channels, i.e. mobile phone numbers, email addresses and the hours in which SMS messages are sent. Modification of the message settings in the package To change the settings: Select an account or item within the package. Choose the Modify option from a drop-down menu on the top of the screen. Select the events about which you want to be informed and set their parameters (e.g. value limits). In order to facilitate selection, you can choose the option Select all and Deselect all. If you want to return to the original settings, use the Reset button. Blocking and unblocking message sending If you don t want to receive messages about an account or an event, you can block them. Select an account or item within the package. Choose the Block option from a drop-down menu on the top of the screen. You can unblock the blocked item at any time using the Unblock option. If you don t want to receive any messages, use the Block all button. You can unblock the blocked items at any time using the Unblock all option. Change of packages When using the Alerts24 service, you can always change the packages you want to receive. To do it: Choose the Packages option from the main menu Select a package which you want to use and then click on the Subscribe package button If you are using a trial package you can cancel it now. Other packages have to be cancelled at the Bank s branch. In this option you can only change packages. Select the package which you want to change and click on the Change package button. On the next screen click the Accept button. You can also check the box to mark your consent to receiving free of charge marketing information and notifications Accept the statement which appears on the screen clicking on the Accept button. Tokens The token keyboard consists of keys with digits and a key which has the following functions: switching the token on/off activating the PIN change option deleting incorrect digits entered. Using the token remember that: The token is secured against unauthorised access using the PIN password. When you enter incorrect PIN password for the first time, FAIL-1 message will appear on the token display. Press the key and enter the PIN password again.

When you enter incorrect PIN three times, the token will be automatically blocked and the LOCK message will appear on its display. To unblock your token contact the BZWBK24 Electronic Advisors Team. Unused token will be automatically switched off after 45 seconds. First activation of a token Before you start using a token for authorising your orders, you have to set its PIN at first activation. Switch on the token by pressing the key. In the empty field type the token start PIN i.e. a strong of digits 12345. A message NEW PIN will be shown on the display and an empty field to enter the new PIN of your choice. Enter the new PIN number i.e. a combination of any five digits. A message PIN CONF will appear on the display. Your new PIN has been recorded. Switch off the token using the key. Using the token The procedure of authorising orders using a token in the BZWBK24 Internet service and BZWBK24 wap service is very similar. Switch on the token by pressing the key. A PIN message will appear on the display and an empty field to type in the token PIN. Enter the token PIN. If the number is correct, APPLI message will be displayed. Press key 2 to access the accounts via Internet/ WAP. Key 1 offers access to BZWBK24 Investor online service. On the token display an empty field will appear for entering the number which will be displayed on your computer or mobile phone screen as a Challenge for token. After entering the number, an eight-digits number will appear on the token display as a response to the challenge. Enter that number in the field displayed on your computer or mobile phone screen next to Enter token response message. If the number is correct your order will be accepted Switch off the token by pressing the key. Change of the token PIN For safety reasons, it is recommended to change the token PIN from time to time especially if you suspect that unauthorised persons may have discovered your PIN. Switch on the token by pressing the key. A PIN message will appear on the display and an empty field to type in the token PIN. Enter the token PIN. If the number is correct, APPLI message will be displayed. Press the key and hold it for 2 seconds. A NEW PIN message and an empty field to enter the new PIN will be displayed. Enter the new PIN of your choice in the empty field. A PIN CONF message and an empty field to enter the new PIN again will be displayed. If the number entered is correct, a PIN CONF message will appear on the display. If you make a mistake when re-entering your PIN a FAIL message will be displayed, after which you will be requested to enter a new PIN number and its confirmation. Switch off the token using the key.

How to get help? BZWBK24 If you need additional information or help when using BZWBK24 services, you can get it in a number of ways: on the transactional pages of the Internet by clicking on the question mark icon (the information provided will concern the section you are currently using) sending via email the enquiry form available on the transactional pages (envelope icon or the enquiry form on the login page) calling the BZWBK24 Electronic Advisors Team at (061) 856 52 42 in BZWBK24 Telephone service, choosing 0 (automatic help; by pressing 0 once again you will be connected with the BZWBK24 Electronic Advisors Team) sending an SMS with the content?, HELP or POMOC TO 2424 sending an email addressed to pomoc24@bzwbk.pl at www.bzwbk.pl/moje24 at the infoline number 0 800 240 240 at any branch of the Bank. My Company Plus To obtain any information about My Company Plus package: call the number (061) 856 54 84 send an email to mojafirmaplus@bzwbk.pl.