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Click 24 Banking BCR User Manual

1. 5 1 2 3 1 Payment order for future date initiation In order to initiate a payment order for a future date you will communicate the Contact Center advisor aside of the information specified at previous chapters 5 1 2 1 and 5 1 2 2 the date when you wish the payment order to be processed It will be necessary for you to ensure that at processing date the transfer sum is available in your account 5 1 2 3 2 Modification Cancellation of payment orders for future date A payment order for a future date can be modified or cancelled within a maximum period of 24 hours before the actual processing date The details which can be modified in a payment order for a future date are the transfer amount the execution date and the payment details 5 1 2 4 Term Deposit Call Deposit Maxicont opening and Discounted Certificates of Deposit DCD buying In order to open a term deposit through ALO 24 Banking it is necessary to communicate to the Contact Center advisor the following details e Payer account the account number in IBAN format from which the deposit will be opened The deposit type The interest type The deposit amount Specify if you wish rollover or interest capitalization for the deposit In order to open a Call Deposit Maxicont through ALO 24 Banking it is necessary to communicate to the Contact Center advisor the following details e Payer account the account number in IBAN format from which the deposit will be open
2. The device will display 2 insert the last four beneficiary IBAN numbers If the IBAN contains letters only the last 4 numerical characters will be user Example IBAN beneficiar ROS3RNCB5975316589413456 5 la anba catala Ten device vvill be 3456 IBAN beneficiar Ro2sgPoseds21385strsholizl 5 ne mmoc eniecd any ne Token device will be 7412 12 Press and hold button 4 13 The token will generate a unique DS code The displayed OTP DS unique code for identification authorization is valid for 36 seconds If you press other buttons the code will remain displayed but it will expire after 36 seconds If you do not press any button the device will be closed after 25 seconds and the PIN will be required again when it will be turned on In order to generate a new OTP DS unique code for identification authorization press the on off button 4 and reinitiate the generation process by pressing button 1 or 3 Make sure that 36 have passed since previous code generation lll PIN change If you wish to change the PIN code input the current PIN code and when the Token device displays APPLI press and hold the on off button 4 until the message NEW PIN is displayed IV Notes e f you press the on off button 4 you can erase previously entered characters e In order to turn off the Token device simply press the on off button lt twice ina row For CLICK 24 Banking the transfers with identical
3. available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 4 of 28 24 BANKING BCRS Login Internet Banking Welcome In order to login to BCR Internet Banking please insert your user number and password generated by your token device via key no 1 UserNumber Password s Login By inserting my user ID and password accept the Terms and Conditions of BCR S Internet Banking Help Helpdesk netbanking guide Security Back CLICK 24 Banking is available 24 7 from any Internet connected computer Hardware Software requirements For application usage it is necessary to have a PC with Internet connection In order to view stored information from CLICK 24 Banking application you will need to have Acrobat Reader installed on your computer Operating Systems supported browsers Windows 2K XP Vista Apple OS X Suse 9 1 IE 6 x and higher 4 Token Digipass device The Token device allows customer identification and transaction authorization for transfers made through ALO 24 Banking and CLICK 24 Banking The device is handed to you by the client advisor at the BCR branch from which you purchased the Alternative Channels Service and it generates unique codes used for customer identification and transaction authorization The Token device is secured through a PIN code chosen by you at first use The Vasco Token version offered by the bank is Digipass Pro 2
4. 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 2 of 28 BCR 1 Service description BCR Alternative Channels Service offers you the possibility to have access to personalized information and banking operations without a direct contact with a BCR client advisor and regardless of the branch working hours BCR Alternative Channels Service offers you access to your accounts through two distinct channels ALO 24 Banking and CLICK 24 Banking Through these services you can quickly and safely perform banking operations via telephone and internet After purchasing the BCR Alternative Channels Service you will benefit simultaneously from the possibility of using the two components CLICK 24 Banking and ALO 24 Banking based only on your option In order to have access to BCR Alternative Channels Service BCR offers you at contract signing an 8 digit username and a Token device that can be used for ALO 24 Banking and CLICK 24 Banking 2 Definitions IVR Interactive Voice Response Advanced system of treating calls that allows the customer by pressing one keypad to select the desired option from the ones specified by the voice menu Depending on the selected keypad the customer can perform operations just by following the voice menu or by being transferred to a specialized operator BCR Technical Support The service offered by BCR Contact Center which offers y
5. performed on a specific time interval of maximum 90 days from current date Order Status Overview Enter Criteria BX Comelsint nquiry 11 06 2008 08 39 19 E Help From 27 05 2008 EB Tor 26 06 2008 EN Dates marked with 7 are processing dates Search can be performed only over transactions processed either within next 90 days or within previous 90 days The results are displayed in a list which contains their current status Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 20 of 28 BCR Order Status Overview Frint Seve FA Comelaintiinquiry 11 06 2008 06 45 26 El Help Sontby Dateofprocessing C Payer IBAN Payee Name pate Os Dale m Payer IBAN TC Status Payee Name Amount Currency submission processing 20 06 2008 06 06 2008 20 06 2008 ROSZRNCBOOOO0S0151860003 IB Cancel Cristian 001 RON E 15 06 2006 06 06 2008 15 06 2008 ROFIRNCBOOOO050151860002 B Pending Cristian 200 00 RON 94 x lt 10 06 2008 10 06 2008 10 06 2005 ROSZRNCAOOOO0S0151560003 IB Done Cristian 001 Ron 8 The payment order options are displayed to the right of the list A Future dated payment orders Details Modify Cancel B Processed payment orders Details 5 2 4 Templates In order to make payment order easier you can now use payment templates In order to view exi
6. to the BCR Alternative Channels Service Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 3 of 28 BCR 3 Access ALO 24 Banking can be accessed by calling one of the following BCR Contact Center telephone numbers e 0801 0801 227 available from Romtelecom network local fee applied regardless the country location from where the user is calling e 0801 227 available through Vodafone EasyDial 004 021 407 42 00 available from any network and from abroad After calling any of the mentioned numbers you will be guided by a voice menu system IVR which will present the existing options In order to access ALO 24 Banking please follow the following IVR structure IVR Structure 0801 0801 227 0801 227 021 407 42 00 Bine ati venit la Serviciul InfoBCR Va rugam sa comutati telefonul in modul ton Welcome to InfoBCR Please change your telephone into the tone mode Pentru limba romana tastati 1 For English press 2 pe p Q ALO 24 Banking is available daily from 8 00 to 22 00 CLICK 24 Banking channel can be accessed directly on the BCR portal www bcr ro Login according to the following image Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00
7. 60 presented in the image below Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 5 of 28 Button 1 amp Button 3 generates the OTP and DS codes Button lt On Off The Token device presents numerical keys from O to 9 and an on off button 4 illustrated by an arrow tip bottom right While functioning the Token device can be turned off by pressing the on off button two times in a row For access code generating only button 1 will be used For generating unique access codes for ALO 24 Banking and CLICK 24 Banking you will use only button 1 After accessing the service in order to generate unique authorization codes for the transaction ordered through ALO 24 Banking you will use button 1 and for CLICK 24 Banking you will use button 3 The codes generated by the Token are unique and valid only for one use The codes will expire in 36 seconds from the generation time Also if during these 36 seconds the device is turned off and then turned back on the same OTP DS code will be displayed The Token device will shut down automatically after 25 seconds of inactivity In case of activity by pressing any digit key a generated code can be displayed for more than the validity period but it is accepted as identification code only during the validity period
8. 7 42 00 available from any network and from abroad Email suport direct bcr ro By accessing the BCR Technical Support you can benefit from a Token unblocking b Token synchronization c Access granting in case of user blocking in case the OTP DS code was inserted incorrectly three times in a row to the BCR Alternative Channels d Access blocking to the BCR Alternative Channels for security if the Token device is lost or stolen in case of fraud etc e General technical support o access and identification support ALO 24 Banking amp CLICK 24 Banking o application use support application menu account and displayed fields details CLICK 24 Banking o operation performing support ALO 24 Banking amp CLICK 24 Banking The general technical support for ALO 24 Banking amp CLICK 24 Banking is offered to you by email by contacting the above mentioned address General technical support regarding CLICK 24 Banking is available only for the BCR Technical Support Service We mention that actions with immediate impact upon your accounts which are included in the topics covered by the BCR Technical Support service can only be performed by phone Also the operations can be performed at any BCR branch by a bank advisor In both situations you will be required to answer the secret question set by you at contract signing time In case your access to the BCR Alternative Channels is blocked due to security reasons unbloc
9. BCRS Alternative Channels Service User Manual 24 BANKING Contents 1 Serice descrip ON esti ia nel ii ere iden ateendmtaitaetee 3 EO NOS a e tantes tetes A E EEEE tensi 3 SC E eae E E EE EE eee eee ee eee ee ee E ore me 4 Hardware Software require Ment c ccccccsssecccssssececcsseeeessseseeeeccsseeeeescsaeeeessseeeeeeessaaeeeseneeeeesgs 5 A TOKEN Digipass COVICE scaderea aA Ea sms dx a eaaa 5 At LNE PIN COGG ee eee ee 6 4 2 User identification for access to BCR Alternative Channels Service ccccccccssssseeeeeeeees 7 4 3 Transaction authorization for the operations performed through Alternative Channels BS T tec sees a gs steric cts erne tat esti fae cede eyes teeter AN A E E ETES 7 4 4 Token device SYNCHLONIZALION ccccccccsssssssecceecssseeseececeecseseeseeeesesesaeeesessssseaaaeeeeesesssnsaeeeeseas 8 4 5 Token device DIOCKING UNDIOCKING ceccssseecceccssseseeeeeeecsseeeeeeeeseeeeaeeeeeessseaaaeeeeessseseeeeeeeeeas 8 5 Operations that can be made through Alternative Channels ccccccsssscceccsssssssreeeeeesssseaeeeeees 11 5 ALO 24 Banking OpeCraiiOn S xcisicssavicstccancauneeovirsiansiveivinenessciosersediaendawcisnsmiaviminttdieestvmnmeneueedss 11 5 1 1 Accessing personalized information about own BCR accounts through ALO 24 ES AI II UN a E nyceembenee ray sue eae edacaden E E E 11 5 1 2 Transactions made through ALO 24 Banking cccccsecceee
10. CLICK 24 Banking cccccsssssseeceeeessssseeeeeessssseeeeeseeeees 16 5 2 2 1 EDICIONS I El S ee teta desta et el 17 6 2 2 2 IMCD aK Vans e S eenn NoE Ea EEEE 17 5 2 2 3 DEDOSIEODEMA Olereiimenon simidsminn nants hnimaanmnsnhyb a iinyyssnyamaimsahneida 17 If you wish to open a deposit via CLICK 24 Banking you have the following options 17 TERM GEDOSINS S innana EON 17 Call deposits MaxiCOnt cccccsssccceccessssseceeeccsseeeeeeceseeeeaeseeeecsssssaeeeeesesseseseeeeeeeenas 17 Discounted Certificates Of D POSiIt eeceecccsseeecsseeeeeeeeseaeeeessseeeeeesssaeeeesesaeeeeeses 17 5 2 24 DEPOSIETCCOING osrin ea EEN a nEs rE EEE E a ER 19 5 2 2 5 Deposit closing reserse anann EnEn naa EEE n EE EES AAEN AEAEE EEE EEEE EAE 19 meo Oder fc 10 a E N 20 324 TOMPA ISS comiats oouosmemismntmneimemmymt 21 IL MAIDO rE E E A AE E ERR 22 5 2 6 My Netbanking Favorites cccccsssssccceecssssseeeceeeessseseseeessceeaeeeeeessssaeeeeeeesssssnseeesseeseas 23 92 BOOKMATK S sairaan eaae EEE EE E EAE AE EE E EEEa 24 6 BCR Technical SUD POS ccccscceessceceecesseeesesseeeeeecseaeeesesesseeeeeseeseesecaaeeesssneeeeeesssaeeesseeseeeeeses 25 For access and usage of the BCR Alternative Channels Service you are offered technical support 24 7 by phone and email Also you can benefit from technical support by addressing any Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network
11. In order to generate a new OTP DS code it is necessary to press the on off lt button and button 1 or 3 again by the case In this case the Token s PIN code is not required again 4 1 The PIN code It s a security code which ensures security regarding the access to the Token device The Token device received at the BCR branch from where BCR Alternative Channels Service was purchased does not have a PIN code assigned After the device is received you cat set the preferred PIN code by entering the desired combination 4 digits after which it has to be confirmed by typing it in the token device again By setting a PIN code the afterwards usage of the device for identification password and digital signature generation is conditioned by the code The PIN code is confidential and shouldn t be communicated to anyone lf the PIN code is entered incorrectly 3 times in a row the device will be blocked see chapter Token device blocking unblocking In order to change the PIN code input the existing PIN and when the device displays APPLI press and hold the on off button 4 until the message NEW PIN is displayed Then you Can insert and confirm the new PIN For CLICK 24 Banking the transfers with identical amounts and with the same last 4 figures from the IBAN code can be initiated at a time difference of minimum 5 minutes Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone netw
12. account you will have to know only the beneficiary account number in IBAN format We specify that in order to perform the transfer it is necessary that both accounts are opened in the same currency 5 2 2 2 Interbank transfers If you wish to initiate a transfer to an account opened at another financial institution it is necessary to know the following e The beneficiary account number in IBAN format e Beneficiary name and surname e Beneficiary CNP CUI optional We mention that in order to perform the transfer it is necessary that both accounts are opened in the same currency 5 2 2 3 Deposit opening If you wish to open a deposit via CLICK 24 Banking you can choose the following products e Term Deposits e Call Deposits Maxicont e Discounted Certificates of Deposit Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 17 of 28 In order to open a Term Deposit you have to specify the following details Payer account Open Term Deposit Transfer From Account RO Deposit type Currency RON I Interest type Deposit Name succes BCR Amount Type of Deposit Term deposit with biannual interest payment 36 months VVith AVithout Rollover Term Period 36 months Deposit Feeding With Feeding Disbursement account Type Of Interest ae WithW
13. amounts and with the same last 4 figures from the IBAN code can be initiated at a time difference of minimum 5 minutes Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 10 of 28 Phone Banking amp Internet Banking identification BCRS OTP PAES dii button 1 Phone banking transaction signing Internet DS Banking transaction button 3 signing 5 Operations that can be made through Alternative Channels The Alternative Channels Service allows users to have access to varied information regarding own BCR accounts and to perform banking operations from a distance by phone or by Internet Please consult Appendix 1 of this manual for the complete list of personalized information you can access and banking operations you can initiate through the Alternative Channels Service at the moment of contract signing 5 1 ALO 24 Banking operations 5 1 1 Accessing personalized information about own BCR accounts through ALO 24 Banking Through ALO 24 Banking you will have access to a large amount of information regarding your own BCR accounts This information will only be available for accounts activated for this service We mention that the account types which can be activated for this channel as well as the information available can vary
14. based on the BCR offer For a complete list containing the operations which can be performed please consult the manual s Appendix In order to have access to personalized information regarding owned and activated accounts the steps you have to follow are e Call at the above specified numbers for the ALO 24 Banking channel during the available hours e In order to identify yourself you will be asked by the Contact Center advisor to communicate your username and a unique OTP code generated by the Token device The username is provided when the service is purchased and it is specified in the contract Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 11 of 28 BCR 5 1 2 Transactions made through ALO 24 Banking Aside from personalized information you also have the possibility to initiate transactions from these accounts In order to have access to transactions performed through ALO 24 Banking the steps you have to follow are e After a successful client identification you will have access to all the personalized information regarding own accounts activated for the ALO 24 Banking e Together with the Contact Center advisor you will identify the account from which you wish to initiate a transaction e After offering all the necessary information for transaction i
15. ble from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 8 of 28 HOSES a a Gal BCR e After unblocking the Token device will be again available to generate the OTP DS codes Challenge code Token device usage summary First use al a Ei a all Start gt Press once the on off button 4 The device displays NEW PIN insert the desired 4 digit combination The device displays CONF PIN reinsert the PIN combination Memorize the entered PIN The device displays APPLI Press button 1 The device will generate a unique OTP code Il Next uses dol ciu Start gt Press once the on off button 4 The device displays PIN Insert PIN The device displays APPLI A In order to obtatin the unique OTP code generated by the token 6 7 Press button 1 once The device will generate a unique OTP code B In order to obtatin the unique DS code generated by the token 8 9 Press button 3 once The device will display 1 insert the transaction amount without comma in integer format ex 563 00 se va scrie 56300 Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 9 of 28 BCR 10 Press and hold the on off button lt 4 11
16. e right of the list Template options Details allows the user to view template details Modify allows the user to modify certain template fields such as template name payment details and amount Delete deletes the template Own templates Overview Print Save EQ Complaint Inquiry 11 06 2008 09 14 00 El Help Li Template Name Payee Name Payee Bank Amount Currency Acitivity Cirstea RON BANCA COMERCIALS ROMANA S A 200 00 RON El a X Dragos RON BANCA COMERCIALA ROMANA S A 25 00 RON EX l Gabriela RON BANCA COMERCIALA ROMANA S A 20 00 RON cl sl x lo Mihai RON BANCA COMERCIALS ROMANA S A 100 00 RON El a 4 Delete Selected 5 2 5 Mailbox 1 Message list Sent messages can be viewed by accessing the option Mailbox Messages are displayed in a list Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 22 of 28 BCR Mailbox EJ Comelsint Inquiry 11 06 2008 09 20 37 Orderby Date Description C Recipient sent messages To Subject Date Li El BCR Contact Center Alternative channels Support i Internet banking 11 06 2003 L El BCR Contact Center Info request BCR Deposits 11 06 2008 L I Suggestion Appreciation Suggestion Appreciation for BCR El BCR Contact Center products and services 11 06 2008 C Delete selected 2 Message c
17. ed e The amount you wish to deposit e The main account for the transfer where the funds will be transferred when the Call Deposit Maxicont will be closed e The user has the option to choose interest capitalization In case interest capitalization is not selected the user may choose another account for interest payment In order to buy Discounted Certificates of Deposit DCD through ALO 24 Banking it is necessary to communicate to the Contact Center advisor the following details e Payer account the account number in IBAN format from which the deposit will be opened e Number of certificates you wish to buy e Maturity date date at which you with to sell them e The account for principal payment where the funds will be transferred when the Discounted Certificates of Deposit DCD will be closed 5 1 2 5 Term Deposit Call Deposit Maxicont feeding Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 13 of 28 BCR In order to feed owned Term Deposits or Call Deposits through ALO 24 Banking it is necessary to do the following e Together with the Contact Center advisor you will identify the term deposit call deposit which you wish to feed e Communicate the Payer account account number in IBAN format from which you wish to feed the term deposit call depos
18. er 340 days Send 5 2 Bookmarks Bookmarks can be saved for any page which has the bookmark sign EH Setting of Payment Order EA Complaintinguiry 11 06 2008 05 32 24 El Help In order to finalize the bookmark creation the user must specify a bookmark name Save my netbanking bookmark BJ Comolaintinquiry 11 06 2006 08 35 20 EE Help Name of bookmark Back Save After bookmark saving it can be viewed by accessing the option Bookmarks in the left static menu Logout J my bookmarks My bookmarks Help clever Templates Opening deposit Exchange rate list Mailbox My Netbanking Seca S Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 24 of 28 BCR 6 BCR Technical Support For access and usage of the BCR Alternative Channels Service you are offered technical support 24 7 by phone and email Also you can benefit from technical support by addressing any BCR branch as presented below The BCR Technical Support Service can be accessed by phone or email Telephone button 5 according to the IVR structure e 0801 0801 227 Romtelecom local fee applied regardless the country location from where the user is calling e 0801 227 available through Vodafone EasyDial service e 004 021 40
19. eseneeeeesseeeeeeeeeseeeeesenneeeeeeeas 12 5 1 2 1 Intrabant tranSfers cccccccssssccececeececcseeesseeecaeesecceecesseseeseaaeseseceeeeseeeseseaaaeseeeeeeeeess 12 5 1 2 2 Interbank traNSferS ccccccccssssccsececeececcsesessseeeeeececeeeeesseseseeaaeesseeeeeeseeesseaaaeseeeeeeeeess 12 5 1 2 3 Payment orders for future Gate cccccccccesssesseceeeesssesaeeeeecesssseseeeseeesseseseeeeesestsaaees 13 5 1 2 3 1 Payment order for future date initiation cccccccecessssseeceeesssssseeeeeeeesssneaeeeeees 13 5 1 2 4 Term Deposit Call Deposit Maxicont opening and Deposit Certificates with Discount DOD DUYN esiisa enra nanan a Eaa a TTET a AE 13 5 1 2 5 Term Deposit Call Deposit Maxicont feeding ccccsccesssssceeesssseeeeessseeeesseeees 13 5 1 2 6 Closing Term Deposit Call Deposits and selling Discounted Certificates of Deposit DCD A A E en is temtutmetts 14 5 2 CLICK 24 Banking ODEra MO NS ee savnnenicnicnixvarssevansinndsadeeanedineduniniunided denddasterncandevsseddechdednavensnisasiies 14 5 2 1 Accessing personalized information regarding own accounts through CLICK 24 BE AMINO ONAM Ehsen E 14 5 2 2 1 AGCOUN S liSl ienen aa aaar AEAEE AARAA EE AEE EEA EE EEEE NEESER 14 5 2 2 2 Account detalls cece ce cccctectacac desis cceesiceroswateeteatsetvoracuerteaesssadyadee Poectioreotdeandiesedeucteeteetesseee 15 9229 Transaction IS LO ii iimemnmnyamambsmmmodmnsiotstsim stsmemymn 16 5 2 2 Transactions made through
20. eve DJ Complaint Inquiry 10 06 2008 15 42 06 3 Help EUR RON USD EUR RON RON RON RON RON RON RON USD USD Transaction history Payment Order Transaction history Payment Order Transaction history Payment Order Transaction history Transaction histary Transaction history Transaction history Transaction history Payment Order Transaction history Transaction history For each account you can access a page containing details Aside from the information from the account list you can also see details about overdraft the branch where the account was opened opening date attached cards interest and many other details specific for each product type In the details screen you can access History of last ten transactions functionality which will return the last 10 transactions registered on your account This functionality is ideal for a quick check of the last transactions Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 15 of 28 5 2 1 BCR Current account details Frint Save DI Comolaintiinguiry 10 06 2008 15 52 16 5 Help Status Active Opening Date 30 12 2003 Type Current accounts Closing Date Branch where account was Account Name Cont Curent opened BUCURESTI DOAMNEI IBAN Currency RON Number of attached cards 0 Name
21. ion for the operations performed through BCR Alternative Channels Service After your identification as BCR Alternative Channels Service user in order to authorize the transactions initiated through Alternative Channels you must use another code generated by the Token device as follows The authorization code represents a signature through which you give your consent regarding transaction performing through Alternative Channels a For ALO 24 Banking transaction authorization the Contact Center advisor will ask you for the code generated by the token device The ALO 24 Banking authorization codes are obtained by pressing button 1 and it s called the same as the one used for identification OTP One Time Password b For CLICK 24 Banking transaction authorization you will be required to input the Token generated code by using button 3 The codes generated using button 3 are called DS Digital Signature a OTP codes are generated as follows e Press the on off button lt e Insert the PIN code set at the token s first usage as mentioned in the previous chapter e When the device displays APPLI press the button 1 The device will generate the OTP code used for ALO 24 Banking tranzaction authorization Note Your identification as well as transaction authorization through ALO 24 Banking is performed with the unique code generated by the Token button 1 One Time Password OTP Phone number 0801 0801 227 available f
22. it e The amount which you wish to transfer to the term deposit call deposit 5 1 2 6 Closing Term Deposit Call Deposits and selling Discounted Certificates of Deposit DCD In order to close Term Deposits Call Deposits it is necessary to do the following e Together with the Contact Center advisor you will identify the term deposit call deposit which you wish to close e Communicate the disbursement account account number in IBAN format where funds will be transferred when the account is closed In order to sell Discounted Certificates of Deposit DCD it is necessary to do the following e Communicate the buy back account to the Contact center advisor in IBAN format account where funds will be transferred at selling date e Communicate the number of Discounted Certificates of Deposit you wish to sell 5 2 CLICK 24 Banking operations Through CLICK 24 Banking you will have access to a large amount of information about your own BCR accounts This information will only be available for accounts activated for this channel We mention that the account types which can be activated for this component as well as the information available on this service can vary based on the BCR offer For a complete list containing the operations which can be performed please consult the manual s Appendix 5 2 1 Accessing personalized information regarding your own accounts through CLICK 24 Banking Channel 5 2 1 1 Accounts list You have the possibil
23. ithout Deposit amount H L 940 00 Capitalization Account for Messies El eje Obtain interest Rate El interest payment f With Rollover Without Rollover Account for principal payment A CG With Interest Capitalisation Without Interest Capitalisation Account for interest payment EH Cancel Fields marked with are mandatory In order to open a Call Deposit you have to specify the following details Payer account Opening of Call deposit Complaint inquiry 10 06 2008 16 55 45 El Help Transfer from account RO Deposit amount Account for principal payment WithMWithout interest capitalization account for Currency Deposit amount EH L RON o 600 00 Interest Rate EH RC Account for principal payment H Account for interest payment i 7 Obtain interest rate B MM Interest capitalization interest payment Cancel J Fields marked with are mandatory Ex Comelsint Inguir Buy Discounted Certificate Deposit In order to buy Discounted Certificates of Deposit you have to specify the following details 10 06 2008 16 59 14 El Help Account information and number of certificates Payer account Transfer from account H RO Account Caer RON Due date DCD number Number of certificates to buy El Maturity date Obtain quotations Quotations Nominal value far 1 certificate Buying value for 1 certificate Buying value for 1 certifica
24. ity to visualize your financial status All accounts can be visualized or sorted by categories Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 14 of 28 Financial Overview Your last log in Your last transaction Status Active Active Active Active Active Active Active Active Active Active Active Active Active Hote Type Curent accounts Current accounts Current accounts savings savings Savings Savings Savings savings Savings Savings Savings savings 10 06 2006 43 57 11 Payment Order from Call Deposit both RON and foreign currency Name Cont Curent ROFSRNCBOOOO0S01 51 S60002 Cont Curent ROFSRNCBOOO00S01 51560002 Cont Curent ROGSRNCBOOO00501 51560002 Activ BCR Activ BCR succes BCR succes BCR Activ BCR succes BCR Succes BCR Maxicont BCR succes BCR succes BCR Account Number 200050151 200050152 200050155 200050150 200050151 200050155 200050151 ROSSRACBOOUD0SO1S1e60002 200050151 200050151 Click on Account Number to view Account Details 5 2 1 2 Account details Available Balance Outstanding Balance Currency 995 208 66 1 045 995 69 10 630 00 5 000 00 47 000 00 1 150 00 600 00 2 000 00 5 000 00 1 000 00 1 000 687 75 22 49 600 00 CEI in BCRS S
25. k 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 26 of 28 BCR i I pr date Matrity date S O date an met Et Dm date a salt a a e DO er a O a oOo z Buy back account cen O o oo HO date a z Loan account number a o OOO T a a ESC Account number in IBAN format of the reimbursement account fone ee Loans poe Current interest b Loan contracting date ry Loan period T Monthly installment T Monthly due date 1 a ES Maximum PERT period Alternative Channels Service account activation date Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 27 of 28 ntrafintemant lel nterbank lel Intrabank transfers in foreign currency the same currency AE P RR Furedaed paynentoreriniaton wooo e a Fuedapametacesmodicaion S ee Intrabank transfers lei only between own accounts Intrabank transfers in foreign currency the same currency only own accounts Future dated payment order initiation no ciclicity only own accounts Maxicont only tran
26. king will only be performed at a BCR branch Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 25 of 28 BCR 7 Appendix Available functionalities for BCR Alternative Channels Service ALO 24 CLICK 24 Product type Personalised information Current account pe o a o a O s menat LM E I a emanen Le ll Ge Current accounts with without attached debit card py ei GL LA Future dated pament ordor status me a oven ES ont le terres U Of attached cards Alternative Channels Service account activation a date Available ballance I ee Current account type call deposit 2 currentinterest Call Deposit Maxicont Tranzaction history past 90 days Future dated payment order viewing Future dated payment order status Pe E b 1 b I b I b b b b b b b Account opening branch Account opening date Current interest b era O porsons Openingdate OSS O date n a ta E Deposit opening date Means of interest payment Current interest A Deposit peri z Tranzaction history past 90 days Empowered porsons Phone number 0801 0801 227 available from Romtelecom networ
27. l identify the account from which you wish to perform the desired transaction Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 16 of 28 BCR e After inputting all the necessary information for transaction initiation CLICK 24 Banking application will require the unique DS code generated by the Token device see chapter 4 3 in order to authorize the transaction Please enter your token code IH e After performing the transaction the application will display a confirmation message After successfully authorizing the transaction it will be processed by the system After transaction authorization it cannot be canceled with the exception of the future dated payment order you are allowed to modify or cancel them within a maximum period of 24 hours before the actual processing date The details which can be modified in a future payment order are the transfer amount the execution date and the payment details Setting of Payment Order Confirmation message Print Save 4 Complaint Inquiry 10 06 2008 16 38 52 El Help Status Type Account Number Available Balance Currency Active Current accounts ROTSRNCB0318066 743620002 929 17 RON Payment Order has been submitted 5 2 2 1 Intrabank transfers If you wish to perform an intrabank transfer to another BCR
28. ndatory Conditions In order to close a Call Close Call Deposit FJ Comalaint lnquiry Deposit you have to specify the following details Name of Deposit Maxicont BCR Disbursement Deposit Account ROBIRNCBOS02Z066 743620002 3 000 00 RON account Disbursement Account A Ro 11 06 2008 08 25 13 H Help When closing a Call By submitting this closing request you agree with the Term and Conditions from the contract Deposit please check the Cancel contract Terms and Conditions i In order to sell Sell Discounted Certificate Deposit PrintiSave El Complainvinguiy Discounted Certificates of 11 06 2008 08 24 05 E Help Deposit you must specify the followi ng Account information and number of certificates Certificate account 200805070000214 Account Currency RON Buy back account Al RO Number of certificates to sell Fields marked with are mandatory Buy back account Number of certificates When selling Discounted Selling value Certificates of Deposit Semi ig idiotes on ee please check the selling Selling value for 1 certificates on value by accessing the 1009400 81054 button Obtain quotatio ns For more information regarding quotations please consult Quotation list Obtain selling value Li Cancel Fields marked with are mandatory 5 2 3 Order Status In order to view processed or future dated payments you can access Order Status in the left static menu The search can be
29. nitiation the Contact Center advisor will ask for the unique OTP code generated by the Token in order to authorize the transaction Exception For future dated payment orders you have the possibility to modify or cancel them within a maximum period of 24 hours before the established execution date The details which can be modified in a future payment order are the transfer amount the execution date and the payment details 5 1 2 1 Intrabank transfers In order to perform an intrabank transfer through ALO 24 Banking you have to know and communicate to the Contact Center advisor the following details e The beneficiary IBAN e Beneficiary name In order to perform an intrabank transfer both accounts involved must be opened in the same currency 5 1 2 2 Interbank transfers In order to perform an interbank transfer through ALO 24 Banking you have to know and communicate to the Contact Center advisor the following details The beneficiary IBAN The beneficiary bank Beneficiary name and surname Beneficiary CNP Beneficiary address optional In order to perform the interbank transfer both accounts involved must be opened in the same currency Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 12 of 28 BCR 5 1 2 3 Payment orders for future date
30. of attached cards Approved Overdraft 0 00 Available balance 1 045 996 69 Date of processing Transaction channel Transaction details Amount 15 04 2008 Internet Banking 29 00 RON 20 04 2008 Internet Banking 0 75 RON 20 04 2008 Internet Banking 100 00 RON 29 04 2008 Branch 900 00 RON 29 04 2008 Branch 250 00 RON 29 04 2008 Branch 600 00 RON 07 05 2008 Branch 1 760 70 RON 07 05 2008 Branch 5 000 00 RON 04 06 2008 Internet Banking 1 000 00 RON 10 06 2008 Internet Banking 100 00 RON 3 Transaction history For a detailed transaction search filtered by transactional channel transaction type and a specific time interval of maximum 90 days from current date you can use the Transaction history functionality accessible from financial overview and details 5 2 2 Transactions made through CLICK 24 Banking Aside from personalized information regarding your accounts you can also perform transactions from these accounts In order to gain access to transaction performing through CLICK 24 Banking the steps you have to follow are Access www bcr ro Access Login In order to identify yourself you must input your username which was assigned to you when you purchased the service and it is written on the signed contract and the unique Token generated OTP code After identification you will gain access to your accounts activated for CLICK 24 Banking Using the functionalities from the CLICK 24 Banking application you wil
31. order can Deposit amount A L 00 00 11 06 2008 06 20 40 a Help be initiated from a Interest Rate E 7 Obtain interest rate JA current account or Account for principal payment A Ro another Call Deposit Accounttor interest payment H M interest capitalization In order to feed a Call i Deposit you must ETT specify the following details Fields marked with are mandatory Payer account Payment details Deposit amount Execution date Discounted certificates of deposit cannot be fed 5 2 2 5 Deposit closing Deposit closing is possible for the following products Term Deposit Call Deposit Discounted Certificates of Deposit DCD Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 19 of 28 In order to close a Term Close Term Deposit FJ Comelaintinauiry Deposit you have to 11 06 2008 08 22 03 E Help specify the following 3 ae Name of Deposit Succes BCR details s Currency RON Disbursement Type of Deposit Depozit la termen 3 luni dobanda fixa Deposit Account 200805070000220 5 000 00 RON account ee Disbursement Account H RO When closing a Term By submitting this closing request you agree with the Term and Conditions from the contract Deposit please check the Cancel contract Terms and Fields marked with are ma
32. ork 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 6 of 28 BCR 4 2 User identification for access to BCR Alternative Channels Service For your identification in order to use the BCR Alternative Channels Service ALO 24 Banking and CLICK 24 Banking you will use the username and the button 1 from the Token device which will generate a unique code valid for only one use One Time Password OTP a For ALO 24 Banking the customer identification will be performed when the Contact Center advisor will ask for your username and for the identification password The username is specified in the BCR Alternative Channels Service contract and you will receive it from the BCR branch when purchasing the service The _ identification password represents the 6 digit combination generated by the Token device by using button 1 One Time Password OTP b For CLICK 24 Banking the identification is similar to the one described before for ALO 24 Banking The username must be specified and the password consists in generating the unique OTP code using the Token device OTP codes are generated as follows e Press the on off button 4 e Insert the PIN code set at the token s first usage as mentioned in the previous chapter e When the device displays APPLI press the button 1 The device will generate the unique OTP code used for identification 4 3 Transaction authorizat
33. ou technical support for the BCR Alternative Channels Service Token Device which allows user identification and transaction authorization for transfers made through the BCR Alternative Channels Service The device is handed to you by the client advisor at the BCR branch from which you purchase the Alternative Channels Service and it generates unique codes used for customer identification and for transaction authorization The token device is secured through a PIN code chosen by you at first use If wanted you have the possibility to change the initially chosen PIN code PIN Personal Identification Number its a numeric code 4 digit number with confidential character used for user identification You will set your PIN code the first time you receive the device after that the access to the Token is allowed only by inserting the PIN code you have set at first usage One Time Password OT P unique code generated by the Token device by selecting the Token button 1 It is used for customer identification for CLICK 24 Banking and ALO 24 Banking and for transaction authorization for ALO 24 Banking Digital Signature DS unique code generated by the Token device by selecting the Token s button 3 It is used for transaction authorization in the CLICK 24 Banking application Username represents an 8 digit identification number assigned to each BCR Alternative Channels Service user it is used along with the OTP code for access
34. r 36 seconds each and can be done by contacting an advisor from BCR Technical Support see 6 or at any BCR branch 4 5 Token device blocking unblocking For each Token usage PIN code will be required For each incorrect attempt the device will display the message FAIL number of incorrect attempts If the code is entered incorrectly three times in a row the Token device will be blocked and the device will display LOCK PIN and a seven digit code called CHALLENGE CODE Token unblocking can be realized by the BCR Technical Support advisor or by a client advisor at any BCR branch For Token unblocking you will need to have the Token device with you and to communicate the Challenge Code to the BCR Technical Support advisor e In order to acquire this code you have to turn on the device by pressing the on off button lt and to communicate the 7 digit Challnege code to the BCR Technical support advisor or to the branch client advisor e By providing this Challenge Code the BCR Technical Support advisor will be able to offer the Token device unblocking code e In order to enter this code you have to press the on off button lt e Insert the Unlock Code provided by the BCR Technical Support advisor or by the branch client advisor e After Token unblocking the device will require a new PIN code The new PIN must be confirmed entered twice Phone number 0801 0801 227 available from Romtelecom network 0801 227 availa
35. reation In order to create a new message you can access the option New Message in the left static menu The Topic and Subject are predefined in two combo boxes Based on your preferences you can select the means by which you are contacted T Mailbox DI Comelsint Inquiry 11 06 2008 09 23 03 Topic info request Subject BCR cards Message Hello El I would like to know more about how can obtain an online debit card ha Contact me by Telephone x 0T D00000 Send Note Your message is sent encrypted A copy of your message is automatically stored under menu item Mailbox 5 2 6 My CLICK 24Banking Favorites You have the possibility to define certain settings for your CLICK 24 Banking account by accessing My CLICK 24Banking from the left static menu as follows Bookmark deletion Bookmark renaming Changing the preset language Setting of number of days after which stored messages are deleted Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 23 of 28 BCR my netbanking settings El Complaint Inguiry 11 06 2008 09 30 49 BJ Help Bookmark my bookmarks delete Bookmark my bookmarks vl rename into Change preset language English into English EFA Messages are deleted automatically aft
36. rom Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 7 of 28 BCR b DS codes are generated as follows e Press the on off button 4 e Enter your PIN code e After the device screen displays APPLI press button 3 e In the first field you must insert the amount you wish to transfer the one introduced in the CLICK 24 Banking transaction screen without comma eg 123 45 will be entered 12345 in the Token device press and hold the on off button 4 e Inthe second screen you must insert the last four digits from the beneficiary IBAN if the transaction does not contain a beneficiary IBAN eg deposit opening you will insert the last four digits of the payer IBAN If the last four IBAN characters are alohanumerical eg ROO6BPOS85002717789ROL01 you will enter 8901 press and hold the on off button 4 The generated code will be inserted in the indicated field thus the transaction will be authorized Transfers to the same beneficiary and in the same amount can be performed only after a 5 minute delay between transactions 4 4 Token device synchronization It s an option which will be used only when a transaction cannot be initiated even though the correct authorization code has been offered The Token synchronization consist in inserting two successive Token generated codes afte
37. sactions between Future date payment orders modification a ooa same clients accounts Future dated payment order cancelation ___ __ Discounted Certificates of DCD buying Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 28 of 28
38. sting templates or create a new one you can access the option Templates from the left static menu a Creation Template creation is based on a beneficiary IBAN Creation of Own Template Screen 1 2 E A 11 06 2006 08 57 40 P Help Detail Fayee IBAN CheckiBAN H After inputting a beneficiary IBAN you must enter the template creation specific information For Intrabank payments Template name Payment detauls Amount For interbank payments Template name Beneficiary name Beneficiary CNP CUI Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 21 of 28 BCR Payment details Amount optional The operation is saved without digital signature The digital signature will be required when you initiate a transaction Creation of Own Template Screen 2 2 BI Complsint Inquiry 11 06 2008 09 05 19 El Help Detail Template name Bogdan Payee IBAN Payee Bank BANCA COMERCIALS ROMANA S A Payee name Payment Details Rent Amount 200 00 Currency RON Back L_ Save Fields marked with are mandatary b Template list In order to visualize already created templates you can access the option Templates from the left static menu All templates are displayed in a list with the options to each template presented to th
39. tes Selling value for 1 certificates on 03 05 2070 1 000 00 Buy back account RO Buy back account 1 000 00 562 40 562 40 For mare information regarding quotations please consult Quotation list Fields marked with are mandatary Phone number 0801 0801 227 available from Romtelecom network 0801 227 available from Vodafone network 021 407 42 00 available from any network and from abroad Email suport direct bcr ro Web www bcr ro Page 18 of 28 5 2 2 4 Deposit feeding In order to feed a Term Open Term Deposit Ba comolaintiinaui Deposit you must 11 06 2008 08 18 23 GJ Hell specify the following Transfer From Account RO details Curren y RON P Deposit Name Succes BCR ayer Type of Deposit Term deposit with biannual interest payment 24 months account Term Period 24 months Deposit Feeding With Feeding P Type Of Interest Biannually Deposit Deposit amount Es 250 00 amount InterestRate H 8 Obtain Interest Rate H Transactio n With Rollover Without Rollover Account for principal payment i details C With Interest Capitalisation Without Interest Capitalisation Account for interest payment EH Cancel Fields marked with are mandatory In order to feed a Call Opening of Call deposit El Complaini ineuiry Deposit Maxicont you will use a payment order to transfer the funds into Transfer from account the deposit Currency The payment

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