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SERVIS 24 – Mobile bank

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1. Although the renewal of the Client Certificate means the issue of a new one the current contract on higher type of security will remain in effect in this case and once the certification authority successfully issues the Client Certificate the previous certificate will be automatically invalidated We will advise the user of the expiry of the Client Certificate at least one month before the end of its standard validity by means of a message in the SERVIS 24 Internetbanking service and concurrently by an e mail message sent to the e mail address specified in the protocol application 3 2220a 10 2015 18 41 Client Certificate renewal shall be declined if you are not a sponsored person We will advise you of this fact when submitting the application for Client Certificate renewal 8 4 Issuance of subsequent Client Certificates In the following cases the user may must apply for the issue of a subsequent new Client Certificate at our branch by submitting an application The Client Certificate issued on the basis of the protocol and concluded contract on higher type of security or a previous application has expired i e the option to renew the Client Certificate has not been availed of lf a change to your identification details occurs name surname address of permanent residence even during the time of validity of the Client Certificate issued on the basis of the original identification details Loss damage exchange of the chip
2. Bank messages after you log into the application e g information on planned system maintenance hints for using the application and business information You can also avail of the support of the telephone banker at the SERVIS 24 service line see chapter 2 1 Access to SERVIS 24 services 1 5 Characteristics of the SERVIS 24 GSM banking service Starting from 20 7 2015 offering of this service to new clients will be terminated The service cannot be newly installed or re installed to a new SIM card Clients who have this service already activated can utilise it without restrictions The purpose of the SERVIS 24 GSM banking service is to administer accounts via mobile phones and it is provided by means of the SIM Toolkit application in the mobile phone For a detailed description of the usage of the GSM banking application please refer to the SERVIS 24 GSM banking user manual which will be provided to you when you register your details at the business point A manual is also available from www csas cz You can also avail of the support of the telephone banker at the SERVIS 24 service line see chapter 2 1 Access to SERVIS 24 services Principle of the service You are communicating with the bank system via the banking application on the SIM card and thus you are managing your account The communication between the bank and the mobile phone is conducted using encrypted SMS messages The SERVIS 24 GSM banking service also allows you
3. When calling from a mobile phone you can also avail of telephone numbers with rates for calling within your network depending on the selected tariff 02 726 11 11 44 T Mobile 605 66 11 44 Vodafone 776 99 11 44 At e mail address servis24 csas cz You can obtain answers to your questions or send your ideas on SERVIS 24 only on this e mail address 2 2 Access to the Internetbanking and Mobile bank applications The fees for connecting to the internet application are charged as per the pricelists of individual accompanies providing internet connection 2 3 SMS messages in the GSM banking application The fees for SMS messages which you send to us are charged as per the pricelists of individual mobile phone operators 2 4 Delivery of SMS messages abroad You can obtain the information on whether it will be possible to avail of the functionality of sending of SMS messages also abroad in the following manner Domestic operators if you avail of the services of a domestic operator and travel abroad please check with your mobile phone operator whether they deliver SMS messages to the concerned country destination Foreign operators If you avail of the services of a foreign operator please check whether the foreign operator whose services you use is a roaming partner of the T Mobile mobile phone operator CS executes all foreign SMS messages via T Mobile 3 SERVIS 24 Security The SERVIS 24 services are normally se
4. This modification ensures that you download and install applications only from the official repository 3 4 Change password You can change your Telebanking password only via IVR When changing your password you will be asked to Client ID Enter 3 randomly selected positions from the existing password for Telebanking Enter 4 randomly selected positions from the security ID Enter a new password for Telebanking a six digit number Confirm the new password for Telebanking You can change the Internetbanking password only via the Internetbanking application When changing your password you will be asked to Enter the old password for Internetbanking Enter a new password for Internetbanking Confirm the new password for Internetbanking Details may be entered using the graphic keyboard 3 2220a 10 2015 10 41 You can change the banking PIN for the SERVIS 24 GSM banking service only in your mobile phone To be able to change the banking PIN for SIM cards of the O2 and Vodafone mobile operators and the SIM cards of the T Mobile mobile operator of other than the Universal types it is necessary to Enter the banking PIN incorrectly three times Thereafter enter the banking PUK and then the new banking PIN Confirm the new banking PIN To be able to change the banking PIN for SIM cards of the Universal type of the T Mobile mobile operator it is necessary to Select the following options from th
5. and pension savings persons agreed contract terms and conditions contact details in the case of the SERVIS 24 GSM banking service only information on the balance on the contract as of a certain Information on transaction history Transactions on the pension insurance supplementary pension savings and pension savings accounts Set up cancellation of receipt of e holder who has also contracted documents v the SERVIS 24 or SERVIS 24 START service Service Service activation The service will be terminated by service provider Mopet CZ as of 30 November 2015 As of 1 October 2015 it is no longer possible to register for the service and as of 1 December 2015 to use the service Service display of Only an owner of sporogiro who is also an owner of S24 3 2220a 10 2015 38 41 Service etsy Other services Information on the CS foreign exchange table and rates of open mutual funds of ISCS Information on FX rates of selected currencies Current interest rates applicable to deposit accounts MBA Remarks Operation without authentication Sending of the FX rate of a selected currency via a SMS message By means of deposit account modelling operation without authentication These are new sporogiro account numbers generated by renumbering in April 2004 operation without authentication Informs the user about commercial offers of CS Only account owners who are at the same time S24 owners Only accoun
6. performed at www lbod cz CS business points or with iBOD partners Remarks S24 START Type of Remark user Se Online contract signing IVR TB 1B Gsm MBA Display electronic signing of contracts Sending documents and documents s Account for display electronic owner signing to the client into S24 IB v Operation or service may be conducted Type of user For each operation the type of user who may perform the concerned operation on the given account is defined Users may be of the following types Authorised person AP Joint Holder JH Joint holder with the right to conduct active transactions JHA Joint holder with the right to conduct passive transactions JHP Joint holder with the co authorisation right JHC Owner of a securities account OSA Operations may be performed by several types of users In such a case the individual types of users are divided by a comma For more information on the type of user and its set up please refer to chapter 6 Users in the SERVIS 24 services Open mutual funds Operations involving mutual funds are inaccessible every day for the period of 30 minutes in the time interval from 12 00 midnight to 8 00 a m due to data updates kkk Secured products of Investi n spole nost S Secured products are secured funds premium deposits bonds and mortgage bonds listed on a collection bond Note Standing payments or direct debit payments direct debits and SI
7. spo ic et CS S24 Entrepreneur savings account START GSM MBA Domestic payment Transfer of money is allowed only for a JHP user who has concurrently active rights for the Maxi Entrepreneur account Podnikatelsk konto Maxi Mpe Remarks Spo en esk spo itelny S S24 Type of savings START IVR IB GSM MBA user Remarks imiormaton on account patane P V v vt e e ee EA E fsingewindewal J Tv Tt i A Oc E owner oc a BN E E owner D tska vkladni knizka Child 24 ei START Type of user Remarks VR 1B IB GSM MBA UCA a a a maonar nsoni J se ve ARP Remarks Payment cards and card accounts 2a GSM MBA WEE gor natural pemons user private individuals and entrepreneurs Information on payment cards for the Payment card PC card account payment card detail holder only own PC JHP account owner ino on all cards Information on card account JHP card Movements on the transaction history Account ard account for the last 7 months Also for LE Card blocking and unblocking Via TB Operations without authentication unblocking after the provision of certain personal details Via S 24 IB the payment card holder can block only his her own card if he she blocked it Account owner can block and unblock all cards issued for the card account PC holder account ownerAP 3 2220a 10 2015 28 41 24 Payment cards and card accounts START IVR TB Arranging fo
8. 00 Company reg no 26439395 incorporated under the Registry Court in Prague Section B item 7136 hereinafter also referred to as I CA Information on the certification authority may be obtained from http www ica cz or from the following e mail addresses oper ica cz and info ica cz You shall be obliged to verify the correctness of the certificate after the certificate is generated without unnecessary delay If you identify inconsistencies between the Client Certificate content and data in the Protocol Application you shall be obliged to invalidate the Client Certificate and to forthwith advise us to this effect The certificate shall be stored in the chip card and it shall be intended for securing Internetbanking We do not provide support for the use of the certificate outside the Internetbanking application The Client Certificate ensures Data integrity Obligation to provide response Confidentiality of data Set up of a shared secret key within the protocol for secure data exchange Direct encryption and decryption of data Direct signing of data 8 2 Validity and effect of the Client Certificate and chip card The validity of the Client Certificate has been set to the period of one year of the day of its issue by the certification authority information on the period of validity of the Client Certificate with the specification of exact time point of certificate expiry may be obtained any time during its use
9. 1 day before its due date a maximum and minimum balance limit may be defined for current accounts only via the SERVIS 24 Telebanking List of entered standing payments for balance adjustment and details of a selected standing payment for balance adjustment Set up change cancellation of direct JHA debit Information on direct debits Set up change cancellation of SIPO payments for sporogiro accounts Information on SIPO payments Set up change cancellation of standing direct debit payments Information on standing direct debit payments Sending of a payment with cash disbursement to the payee by means of the type B postal slip for a sporogiro account 3 2220a 10 2015 FAE EET BEGG poaaug HA List of entered direct debits and details of a selected direct debit The payment may be set up no later than 1 day before its due date List of entered payments and details of a selected payment A standing direct debit payment may be set up no later than 1 day before its due date List of entered payments and details of a selected payment Only as part of an entered standing payment standing payment order display and administration is possible only via S24 TB 24 41 Sporogiro account current account S24 in CZK START Mobile payments recharging of prepaid cards and payments of invoices of mobile phone operators IVR Multiple payment Co authorisation of transactions
10. IS S accounts of the same owner assigned under SERVIS 24 and The user entering the transaction is authorised to administer both accounts via the SERVIS 24 services If an active transaction is conducted from an internet savings account to the contact account the limit is not drawn either Limits applying to foreign currency accounts are established as the equivalent of amounts in CZK as per the current exchange rate of the account currency at the time of receipt of the required transaction for processing Limits are converted using the non cash buy rate All of these limits are daily limits applicable within the scope of operating hours which end begin every day at 11 00 p m 3 2220a 10 2015 14 41 5 1 Service limit The service limit represents the maximum daily amount of active transactions which a user may execute within the scope of SERVIS 24 services on all accounts administered by the user without authorisation through Client Certificate In addition to the daily limit a monthly limit is also established for the SERVIS 24 Mobile bank service and it represents the maximum amount of active transactions executed within a calendar month on all accounts administered by the user The necessary precondition for the execution of active transactions in the SERVIS 24 Internetbanking service without authorisation by Client Certificate and hence also the drawing of the limit of the SERVIS 24 Internetbanking service is the activation of aut
11. a SMS with a control code will be automatically sent to you if you have not activated authorisation or login SMS messages you will be prompted to enter the Telebanking password In the respective field enter the control SMS code sent to your mobile phone or the Telebanking password and create your password for Internetbanking The new password for the Internetbanking application has to contain at least 2 letters and at the same time at least 2 numerals Hence the password cannot be composed solely of letters or of numerals but always has to be a combination of both The number of characters ranges from 8 to 30 If you wish to log into the Internetbanking application only via Client Certificate please mark this option after your first time login in the SERVIS 24 Internetbanking application in the Settings tab Login method option Thereafter upon your next login the system will always require the use of the Client Certificate Second and subsequent logins To log in use your client number and current password for Internetbanking and if applicable the login SMS code You can enter the password for Internetbanking through the graphic keyboard located on the login screen of the Internetbanking application If you have activated your Client Certificate insert the chip card into the reader connected to your computer for more details please refer to the Client Certificate manual After you execute the relevant option from the login screen you
12. a domestic payment please proceed in line with the instructions provided by the IVR If you enter the detail incorrectly the IVR will ask you to repeat your entry When you use up the three permissible attempts the IVR will bring you back to the previous menu When you enter a detail the system will repeat its value Thereafter you may either confirm the entry or correct it Once you provide your confirmation the transaction will proceed further on Functions of the most important telephone keys 0 zero Option to connect to the Phone Banker 3 2220a 10 2015 3 41 ki asterisk Return to the previous item in the menu mode asterisk Cancel the input in the entry mode hash Confirmation of the entry at the request by the IVR For the structure of the IVR system the scheme of the automatic voice response service please refer to chapter IVR structure Using the SERVIS 24 Telebanking service via the telephone banker You can also manage your accounts via the telephone banker You will confirm the data necessary for the execution of transactions or service to the telephone banker orally 1 3 Characteristics of the SERVIS 24 Internetbanking service The SERVIS 24 Internetbanking service is intended for account administration via the internet and it is provided by means of an internet application Principle of the service When you enter the www serviS24 cz address in the internet browser you will be brought to
13. account within four working days of the submission of the single purchase order The sale of a bond mortgage bond may be entered in the SERVIS 24 services at any time for the price effective on that particular day Deals made on non working days will be settled for prices of the preceding working day We will transfer the bond mortgage bond share to you within four working days of the submission of the single sale order 3 2220a 10 2015 17 41 Should you be uncertain about the posting of an entered order please contact directly the telephone banker who will be happy to answer your questions For selected transactions the transaction reference number will be provided to you upon request or displayed automatically in the SERVIS 24 Internetbanking service This number may be used for payment identification e g ona statement or it may facilitate a complaint filed in respect of the transaction entered via the SERVIS 24 services if applicable 8 Implementing directive for the usage of Client Certificates in telephone and internet banking services 8 1 General provisions A user purchasing a chip card reader undertakes to acquaint himself herself with the licence terms ad conditions available from https www csas cz PKlLicence and to observe them Certificates for our purposes are issued by a certification authority The certification authority is Prvn certifika n autorita a s Prague 9 Libe Podvinn ml n 2178 6 Postal code 190
14. and authentication 4 1 Logging into the SERVIS 24 Telebanking service First time login Once you receive a special registered mail consignment with your security data you can carry out your first time login by calling 956 777 956 and you can start using the SERVIS 24 Telebanking service according to the instructions provided in this manual Upon your first time login you will be asked to enter The client number Three characters from the Telebanking password selected randomly by the system Four characters from the security ID selected randomly by the system Recommendation If you are making your first time login via IVR select option 1 Operations with bank accounts and products The automatic voice response service will prompt you to authenticate and identify yourself Thereafter select e g option 1 Information on bank account balance Second and subsequent logins Upon your second and subsequent logins you will be asked to enter The client number Three characters from the Telebanking password selected randomly by the system 4 2 Logging into the SERVIS 24 Internetbanking service First time login Once the Internetbanking application comes up from the www servis24 cz address select the first time login link Thereafter the system will ask you to enter your client number and four randomly required positions from the security ID After the successful entry of the login details
15. blocking of access via Client Certificate which may be unblocked only by personal visit to a business point If blocking occurs when using the SERVIS 24 Telebanking service via IVR you will be automatically connected to the telephone banker Each of the below mentioned unblockings maybe done only if you provide four characters of the security code randomly selected and required by the system 1 If you block access to SERVIS 24 services you can unblock it by applying for new security data which will be handed over to you at a business point in a security envelope or sent to you to the provided mailing address for the SERVIS 24 services The SERVIS 24 GSM banking service is accessible immediately after the entry of the requirement for the generation of new security data applies only if the mobile phone has not been deactivated at the same time 2 If you block your access to the SERVIS 24 Telebanking service you can unblock it by applying for the generation of a new password for Telebanking 3 If you block your access to the SERVIS 24 Internetbanking service you can unblock it directly in the login screen of the SERVIS 24 Internetbanking application For the unblocking you will need the security ID and if you have not set up security SMS messages also the Telebanking password Unblocking user access to the SERVIS 24 GSM banking service 1 Access to the SERVIS 24 GSM banking service may be unblocked by applying for the generation of new se
16. building savings loan Product modelling Setting up building savings Set up cancellation of receipt of e documents Change of parameters of the building savings contract 3 2220a 10 2015 Remarks The life insurance contract holder who has also contracted the SERVIS 24 or SERVIS 24 START service The life insurance contract holder who has also contracted the SERVIS 24 or SERVIS 24 START service The life insurance contract holder who has also contracted the SERVIS 24 or SERVIS 24 START service The life insurance contract holder who has also contracted the SERVIS 24 or SERVIS 24 START service Operation without authentication Operation with authentication only for persons associated with the account via Internetbanking for persons associated with a SSCS account who have contracted the SERVIS 24 or SERVIS 24 START services Display of movements on the building savings accounts Possibility to change the SSCS client s personal data name address only for the SSCS account owner above 18 years of age or guardian of a minor owner where applicable Building savings account bridging loan building savings loan operation without authentication simulation Conclusion of draft contract on building savings via the SERVIS 24 internetbanking application Holder who has also contracted the SERVIS 24 or SERVIS 24 START service Change of target amount change of requirement for state con
17. card or change of e mail address We do not support the issuance of a subsequent Client Certificate for data which applied to a previously issued invalidated Client Certificate 8 5 Client Certificate invalidation The Client Certificate may be invalidated upon your request of the user or in those cases when we are entitled to invalidate the Client Certificate The Client Certificate has been issued on the basis of untrue or falsified data or the validated and certified data are no longer valid and we learn about this fact The price for the issue of the Client Certificate has not been paid or you have breached any obligation implied by the contract on higher type of security The user has died and we learn about this fact Automatically when the contract on higher type of security expires or if a subsequent new Client Certificate has been issued upon application submission Automatically when you advise a change of data to the client certificate and do not apply for a follow up new client certificate within the established timeline The issuance of Client Certificates for our purposes has been terminated If concerned authorities have decided about the invalidation in compliance with effective legal regulations You shall be entitled to invalidate your Client Certificate only via certificate administrator or via KCP tel 956 777 956 please provide your name surname and birth number You shall be ob
18. day 3 2220a 10 2015 40 41 Communication an abbreviated title of documents Communication for clients of Ceska spo itelna a s Particulars of payment orders and Communication for clients of Ceska spo itelna Payment posting timelines Telephone and internet banking services our services within the scope of which you may execute active and passive transactions and administrative operations via telephone internet or other remote communication tools Contract also Contract on the provision of SERVIS 24 services a contract on the basis of which the telephone and internet banking services are provided Contract on higher type security An agreement between us on the basis of which the you are provided with a Client Certificate it is a contract on the usage of a security tool as referred to by the respective item of the General business terms and conditions of Ceska spo itelna a s Sponsored person a user for whom the bank charges the fees and prices associated with the set up and administration of security tools according to the Pricelist of Ceska spo itelna a s for bank deals to the account whose owner has agreed to such arrangement via telephone and internet banking services Sporogiro account includes both sporogiro accounts and all types of CS Personal Accounts Certificate administrator software internet application allowing for the administration of the Client Certificate Telephone banker an em
19. from the certificate administrator and or information telephone line Throughout its validity the certificate is in effect i e it may be used to secure internet banking services as defined in this Manual The possibility to use services requiring the use of the Client Certificate is linked to its validity and effect Client Certificate invalidation renewal or change of data therein is described in detail in chapter 3 Security of the SERVIS 24 services of this Manual For technical reasons the validity of the chip card is limited The expiry date is provided on the chip card in the YYYY format which applies to December 31 of the given year The last valid Client Certificate may be downloaded to the chip card no later than on December 31 of the year preceding the expiry date of the chip card 8 3 Client Certificate validity renewal The validity of a Client Certificate may be renewed throughout its effective period providing the following conditions are met An effective contract on higher type of security has been concluded between you and us and at the same time the user has not advised any change to his her identification details specified in the protocol application except for a change of e mail address which you may perform via Client Certificate renewal prolongation You will complete and submit an application for renewal via the certificate administrator in a manner allowing us to receive it before the Client Certificate expires
20. history Searches for ATMs and branches of Ceska spo itelna Our important contact details Contracting of loans for natural persons credit cards or overdraft Increase of loans for natural persons credit cards or overdrafts 3 2220a 10 2015 5 41 Conditions An account with Ceska spo itelna see Types of managed accounts with joint holder rights A active or P passive the account does not require authorisation of transactions via the Client Certificate Active SERVIS 24 Internetbanking or SERVIS 24 START Internetbanking for the set up of password for the Mobile Bank 1 7 Mobile application M J STAV MY BALANCE Mobile application which unlike the Mobile Bank application offers only a passive access to your accounts without option to perform active transactions It is suitable for everyday quick checking of your accounts and transactions Main functions Controll all your products personal account card account loans mortgages building savings pension insurance life insurance investment account securities account View the history of account transaction history filter individual transactions incoming outgoing all Display transaction details counter party account number notes for payee yourself variable and other sysmbols and share them through SMS e mail messaging applications etc Display the balances of accounts of the desktop of your device without necessity to
21. in electronic and paper format for sporogiro current sie accounts and for the Sikovn spo en Nifty savings accounts Set up change of statements for card accounts Setting up the sending of credit advices of incoming foreign payments for current and sporogiro accounts Change user s consent with the sending of commercial messages Information on the current settings of a personal account OUCS OUCS II OKCS and ZU Information on the current settings of the company account Firemni u et entrepreneur account Podnikatelsk konto Change in the CS personal account settings Account owner gua rdian Account owner gua rdian Change in the CS Personal account Osobn et CS II Osobni konto ZU v v settings Sporogiro account current account S24 Type of START INR IB GSM MBA TA in CZK Information on account balance Information on account transaction histor Addition of own remarks on the executed transaction in transaction history Repeated use of the payment details JHA JHP TAT Di Information on multiple payments and v JHP Information on transactions entered via SERVIS 24 imported payments 3 2220a 10 2015 Remarks Based on the settings data statements which may be subsequently used e g for import to the user s accounting system are automatically generated Applies only to natural persons private individuals This applies also to other types Junior Student Absol
22. messages may be set up only when logging into SERVIS 24 Internetbanking via Client Certificate So called confirmation it is only of an informative nature the following methods of sending may be selected by e mail by post by post applies only to the SERVIS 24 Selection of phone number for the sending of security SMS messages activation of login and authorisation SMS messages Sending of confirmation of the transaction acceptance Setting up bank messages Application for the sending of a chip card Available only if the chip card expires and Client Certificate validity lt current day 45 and at the same time gt current day 15 Can be unblocked through PUK either on the login screen or immediately after blocking Unblocking of PIN for a chip card SERVIS 24 account administration GSM MBA Iser Remarks Setting up favourite items It is possible to set v JHP up the maximum of 10 favourite items A graphic overview of the Data for the last 5 v AP completed calendar months development of balances incomes 3 2220a 10 2015 20 41 and expenditures SERVIS 24 account administration Account addition or deletion Setting up account limit Set up change deletion of a mobile phone number for automatic sending of balance SMS messages Set up change deletion of a mobile phone number for automatic sending of SMS messages after the receipt of each active transaction Sending of SMS or e ma
23. of your account press one 2 For single domestic payment press two 2 For support of electronic banking press two 3 For mobile payments press three 4 For set up of Standing Payment Order press four 5 For balance of securities account press five 6 For Building Savings press six 7 For pension security press seven 8 For change of Telebanking password press eight 3 2220a 10 2015 41 41
24. payments 7 2 Foreign payments Foreign payments and SEPA payments are processed within timelines and according to priorities detailed in the Information on Payment Service private clients and in the Information on Payment Service corporate and commercial clients which is available from our website www csas cz under the section Downloads Obligatory information Business Terms and Conditions Information of Ceska spo itelna a s on payment services for private clients Information of Ceska spo itelna a s on payment services for corporate clients You will be informed about executed or non executed foreign payments by means of advices If you decline the sending of an advice via the SERVIS 24 Telebanking service you give up information on executed or non executed payments For the purposes of transfers of money in foreign currency within our bank it is recommended to use the domestic payment form We offer individual exchange rate for the above limit FX payments account currency differs from the payment currency 7 3 Transactions on securities accounts The settlement of transactions on securities accounts are governed by the following timelines Purchase or sale of investment securities of funds is always carried out for price which is unknown at the given moment For each fund it is necessary to observe the currently effective instructions applicable to the given fund and the statutory documents of the fund in particular its S
25. persons entrepreneurs and legal persons the primary account defined in the contract a card account if opened for the same owner and all payment cards issued for these accounts will be automatically assigned A minor owner may assign other products to the service manually Upon your first login or at any time upon your own instruction Pojistovna CS accounts will be also assigned automatically for you as the account owner Where Stavebn spo itelna CS accounts are concerned also those accounts in respect of which you are the owner guardian debtor co debtor or guarantor shall be assigned for you All of the assigned accounts except for the primary account may be removed or re assigned by you or by the authorised person at any time via the SERVIS 24 services 1 2 Characteristics of the SERVIS 24 Telebanking service The SERVIS 24 Telebanking service allows for account administration via phone and is provided by means of our Client Centre Principles of the service When you call 956 777 956 you will be connected to the automatic voice response system hereinafter referred to also as IVR You can navigate in the IVR system by pressing the offered button through which you will be brought to another menu or to the specific information or operation The SERVIS 24 Telebanking service also allows for you to be connected to a telephone banker who will provide you with the relevant information or who will execute the selected financial operati
26. register your device The registration involves a one time entry of your login details which you use for the SERVIS 24 Internetbanking service After a successful entry of the Client ID and password combination you can choose from four login methods a PIN code a gesture a fingerprint for selected devices only or you can leave the application without any password Usage Upon your next entry into the application enter the PIN gesture or fingerprint you have selected or log directly into the application without a password 4 5 Logging into the My Healthy Finances Application Activation To log into the My Healthy Finances application it is necessary to open a Healthy Account Log into the SERVIS 24 IB service The homepage will display the icon of the My Healthy Finances MHF application When you click on the MHF icon a screen will come up from which you will be able to switch to the MHF application Inthe next step confirm your logout from the SERVIS 24 IB service You are now logged into the My Healthy Finances application 5 Limits used in SERVIS 24 service Several limits which restrict the amount of entered active transactions and hence represent another security feature are defined for the SERVIS 24 services None of the below stated limits is drawn if the following conditions are met The active transaction is executed between bank accounts e g current sporogiro deposit account and
27. to avail of the support of the telephone banker Important telephone buttons and shortcuts asterisk the asterisk is used to divide the account prefix e g 123456 1234567890 hellers in the amount e g 540 40 CZK should be entered as 540 40 CZK The due date should be entered in the following format DDMMYYYY or DDMMYY 1 6 Characteristics of the SERVIS 24 Mobile bank service A mobile application which will enable you to administer securely and comfortably your personal finances at any time and from any place directly in your mobile phone or tablet with the iOS operating system iPhone iPad iPod touch Android or Windows Phone 8 1 operating system It is available free of charge in the Czech and English version Types of managed accounts All types of personal accounts or sporogiro accounts Savings account for the CS Personal Account Pen ze stranou Money Aside for Osobn et II personal account Current account Foreign currency account Card account credit card Major features Displaying of account balances Entry of payments Entry of payments via scanning of type A postal slips Entry of payments from the QR codes on the invoice Recharging of credit with mobile operators Displaying the list of cards Change of limits for payment cards Blocking unblocking of payment cards Ordering of replacement card Searches in transaction
28. IS 24 START S rviCe ceeeeeeeeeeneeee eter rete eeeeeeee teeter eeeeenaeeeeeeeeeeteee 6 Access to SERVIS 24 and communication fees ecceeceeseeeeeeeeeeeeeeeeeeeeeeees 6 Access to the SERVIS 24 services cciiccisesechicetvcsteneceshiviecsteeceaassdeatestdeeceesseeuevectienevessaeeevuaeionconeeaetiaes 7 Access to the Internetbanking and Mobile bank applications cccceeeeeeceeeeeteeeeeeeeeeeeeeeteeeeaaees 7 SMS messages in the GSM banking application nn seeeseenennreneessseeenrrrntrrserrnnrrntnesrerrnnnnnnneseeennee 7 Delivery of SMS messages abroad sie mestie oie Wicionaeleecyhste Binnseme Had narteeapaid Pee emabeenadneed 7 SERVIS 24 Security nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn teed 7 Provision of Sec rty data erensia een i A ER E AEE R AEE T EEE a E EER AE Ed 7 User identification and authentication sesictccscnccdidensatisdnndedd Aaedsleaiaadseidathadlactgeaseidithdd achinedierthaglacdtnass 8 Security rules for utilisation of SERVIS 24 Internet banking services ssssssseeeeesseererrrrrreeserrrree 9 Change password eo ace eae te catia ndeas ous Seca e vanes acende da ieee tage nla ceigensitugut EEEE EEEn 10 Blocking and unblocking access to the SERVIS 24 services cecceeeeeeeeeeeeeeeeeeetneeeeeeeeeeeeeeenaaees 11 Logging into the SERVIS 24 cc cc22scc5f 235 ss2deccestidcttucnadadeceaanstaucnadescnabacssaustucesseabacs 13 Logging into the SERVIS 24 Telebank
29. Import of batch of domestic payments and direct debit payments from current accounts Export of data statements from current account Export of electronic statements from current sporogiro and card accounts 24 Internet savings in CZK START Te IB IB GSM MBA GSM MBA Type of user Ht l HAE i Remarks Recharging of prepaid cards of mobile phone operators payment of Vodafone invoices the sum total of mobile payments from a single account cannot exceed the amount of 10 000 CZK per day payments cannot be co authorised Allows to execute transactions in bulks a multiple payment may contain the maximum of 10 individual domestic payments in CZK Authorisation of transactions which exceed the co authorisation limit Import of a data file in a standard ABO format containing domestic payments or direct debit payments in CZK the file may be exported from usual accounting systems the batch may contain the maximum of 50 orders May be utilised only with the Client Certificate Export of automatically generated files containing transaction history of the account in the ABO or CSV format a data statement may be subsequently imported to usual accounting systems Download of automatically generated statements in the PDF format Remarks a e e PT internet savings account Information on wansacion tioy o e eem e A ie E 3 2220a 10 2015 25 41 Foreign curren
30. MS A SMS message which we send to your mobile phone and which contains a control SMS code The control SMS code serves for the authorisation of security data upon your first time login to the SERVIS 24 Internetbanking service of for unblocking PIN for chip card with Client Certificate At least a four digit number of your choice for work with the chip card with the Client Certificate You have received the initial PIN value together with the chip card in a security envelope You can change the value of the PIN yourself at any time after you login to the SERVIS 24 Internetbanking service or using the supplied software Should the PIN code become blocked the security envelope also provides a PUK code which is required for unblocking the PIN code using the supplied software Important notice Disclosure of the aforementioned security features may jeopardise the security of your accounts administered via SERVIS 24 It is advisable not to disclose the special registered mail consignment or individual security features to anybody and to protect them from loss or theft If you are using the SERVIS 24 Internetbanking service at computers which are not under your direct control e g in public premises internet caf s office or school computer networks it is advisable to use the login SMS messages or the Client Certificate for logging in We are not responsible for the disclosure of security data if these are disclosed on your part or on the part of pe
31. PO set up in the SERVIS 24 service will be executed also after the death of the owner a change may be performed only at a business point E invoice e document as of 18 7 2014 the E invoice service will be renamed to E invoice e document in SERVIS 24 IB This is because there will be an option to use this service also for sending non payment documents from selected issuers 10 Overview of other provided services Service IVR TB IB GSM MBA Remarks START Insurance products of For natural persons private Pojistovna CS individuals Operation without authentication Information on life insurance Operation without contracts authentication only the life insurance contract holder data about the client payments of premium claims insured risks 4 vf Z amount of capital value reserved amounts Via the Internetbanking application only for insured persons with contracted SERVIS 24 or SERVIS 24 START service 3 2220a 10 2015 36 41 Service Changes of life insurance contracts Set up cancellation of receipt of e documents from the Poji ovna CS related to the selected life insurance contract Set up of notifications of incoming e documents SMS e mail from Poji ovna CS List of e documents from Poji ovna CS Mediation of contact in case of reporting claims and safeguarding contacts between the client and Poji ovna CS Service Information on the building savings account bridging loan
32. SERVIS 24 ik er User s guide From now you have nonstop access to modern forms of Internet and telephone banking SERVIS 24 Internetbanking available from the following internet address www servis24 cz SERVIS 24 Telebanking available from the following telephone number 420 956 777 956 SERVIS 24 Mobile bank for iPhone Android or Windows users Mobile Application Muj stav My Balance for iPhone or Android My Healthy Finances Web Application 3 2220a 10 2015 1 41 C N i i i ee ee oM oM OMNOOAWD ONTENTS Accounts COMM locas secant os alsa da stud tuchs choad antes toa See EEA E Sas E tu tes apna tase O AE 3 Characteristics of the SERVIS 24 Telebanking service ceeeeeeeeeeeeeeeeneeeeeeeeeeeeeeenaeeeeeeeeeeneee 3 Characteristics of the SERVIS 24 Internetbanking Service sessssssserrneeeseerrrnrrnreeseerrnnrrnnesssrrnnne 4 Using SERVIS 24 Internetbanking aes Aa i 4cuteadcncamieadnta ea ivada aed eoen Kaea wo da iads en 5 Characteristics of the SERVIS 24 GSM banking ServiCe c ccceeeeeeeeeeeeeneee teste eeeteeeeaeeeeeeeeeeteee 5 Characteristics of the SERVIS 24 Mobile bank Service eee ntti 5 Mobile application MUJ STAV MY BALANCE siefcsescciscececehs sere cenrceencebeheticcerdedvadhe ben ean cease layne 6 My Healthy Finances Web Application ceecececcccceee eee eeeeeneeeeeee eee eeeaaaaaaaeeeeeeeeeeeesaaaaaeeeeeeeenena 6 Characteristics of the SERV
33. SM banking service via the telephone banker or at a business point The blocking of user does not affect the utilised functionalities such as the sending of set up SMS messages e mails etc Blocking user if incorrect password is entered You have only three attempts for the entry of the password for Telebanking or the password for Internetbanking and My Healthy Finances Web Application If you enter an incorrect password for your client number three times in a row your access to the SERVIS 24 Telebanking or SERVIS 24 Internetbanking services and My Healthy Finances Web Application will be blocked An incorrect entry of the client number means an entry of a number other than the one specified User set up protocol An incorrect entry of the password means an entry of a password other than the password for Telebanking or Internetbanking which you as the user have selected upon the last successful change After a successful login the incorrect attempts for the entry of the password will be zeroised Blocking user in the case of invalid Client Certificate or incorrectly entered PIN for chip card For security reasons the use of Client Certificate for the SERVIS 24 services requires its regular renewal If you fail to renew the Client Certificate within the specified timeline it will be automatically invalidated An invalid Client Certificate may be renewed solely at a business point You have three attempts for entry of PIN for the chip card T
34. a E ER E REE A E E E E ss 17 Transactions on securities ACCOURIS sssesseeetetetssttttttt edt Ace at acer nee ee ennnen 17 Implementing directive for the usage of Client Certificates in telephone and internet banking services cceeeceeeeeeeseeeeeeeeeeeeeeeeeeeneeeeneeeeeeeeeeeeneneneneees 18 General PrOV SI NS mesai ea rot ta ce ica NE E uated det Serge Cee Bt eee eet AEREE 18 Validity and effect of the Client Certificate and Chip Card cccccseceeeeeeeeeeeeeeneeeeeeeeeeeeeeeennaeeeeeeees 18 Client Certificate validity renewal ccccceeeeeeeeeeeeeeeeeeeeeeeeeeeaaaaeeeeeeeeeesaaaaaaaaaeeeeeeeesesscsaaeeeeeees 18 Issuance of subsequent Client Certificates cee cceeeeee reer eee eeeeeneeeeeeeeeeetecceaaeeeeeeeeeeteneeaaaees 19 Client GSH MCATSINVANIGALION seit tcccusts e e TY 19 Overview of provided account operations and services seeeeeeeeeeeeeeees 20 Overview of other provided S rviCes cccccccceseseeeseeeceeeeeeeeeseeeeeeneeeeeeeeeeeeeeeees 36 Delimitation of selected teriMS ccccccenseeseeeeeeeeeeeeeeeeeeeneeeeeeeeeeeeeeeeeeneeneeeeeeeeeees 40 IVR structure 507 cecatscardlezeseceacecesascacsgsaicaseccsecassosSicasnecdccunsossacsesa sdeeesedsoacassassseiezocoecess 41 3 2220a 10 2015 2 41 Characteristics of the SERVIS 24 service You can avail of the SERVIS 24 services via phone SERVIS 24 Telebanking services by means of a voice response system hereinaf
35. as to be allowed Usage of cookies and similar technologies On its website and in its Internetbanking Ceska spo itelna uses small text files cookies which are sent to your browser This facilitates your visits to our website and provides you with more relevant content These files are used particularly to save your settings such as your preferred language for the monitoring of the website usage rates and the selection of proper communication Personal data protection principles are always carefully observed What specific cookies are used Personalisation for the identification of the preferred language and login method Authentication to verify the user for security reasons Technical to safeguard communication with the bank s system and minimum parameters necessary for the operation of the application Communication to display multimedia content Statistical to determine the usage rates of application sections Operating systems and internet browsers other than the aforementioned ones may not be fully compatible with the 3 2220a 10 2015 4 41 internet banking application and therefore it cannot be guaranteed that the application will be displayed properly and that all of the offered functionalities will be processed correctly From 8 April 2014 Microsoft has ended their support of the Windows XP operating system and Microsoft Office 2003 1 4 Using SERVIS 24 Internetbanking For other information please refer to
36. ates of domestic foreign payments and templates for credit recharging TB the requirement may be submitted no sooner than the day following the entry date and it has to be submitted 1 day before the due date by 4 00 p m Using 24 IB the user can cancel the future date domestic payment from sporoziro and current accounts SEPA payment and Foreign payment The payment may be received only on working days before 14 00 noon Applicable only to current accounts of legal entities A pre filled payment form direct link from the e shop May be executed from personal accounts only Business Terms Information of CS as On Payment Services Business Terms Information of CS as On Payment Services List and details of advices The debited person has to approve the direct debit 23 41 Sporogiro account current account S24 in CZK Set up of a standing payment Change and cancellation of a standing payment Information on standing payments Set up change cancellation of standing payment for balance adjustment Information on standing payments for balance adjustment FA B Remarks The standing payment may be set up no later than 1 day before its due date The change or cancellation of a standing payment may be conducted no later than 1 day before its due date List of entered standing payments and details of a selected standing payment The standing payment may be set up no later than
37. c keyboard a keyboard displayed on the login screen and other selected screens of the Internetbanking application it serves for the purposes of entry of the password for Internetbanking upon login or upon its change Automatic user logout if the validity of the site expires Possibility to change the password for Internetbanking Telebanking and Mobile Bank chapter 3 3 Change of password refers Possibility to change the limit amounts please refer to chapter 5 Limits used in SERVIS 24 services Possibility to select the use of Client Certificate Possibility to have account information sent via SMS messages Digital signature which allows to check whether the confirmation in the PDF format and balance e mails have been generated by us and have not been altered by any third party Possibility to actively use and combine security features change of password for Telebanking Internetbanking and Mobile Bank change of limits SMS messages on transactions accepted by us or the use of authorisation SMS messages login SMS messages or the Client Certificate Recording and archival of any communication maintained via the SERVIS 24 services on our part 3 2 User identification and authentication The precondition for performing active as well as passive transactions is your identification by means of the security data or the Client Certificate This involves the following Client number A ten digit number wh
38. cured by the following security data Password for Telebanking Password for Internetbanking Security ID Security SMS messages including authorisation SMS mandatory for active transactions and login SMS optional set up for the given user or account where applicable Optionally unless specified otherwise in the contract you can use the following Client Certificate a suite of data stored on a chip card by means of which it is possible to unequivocally identify a SERVIS 24 Internetbanking user or authorise transactions via a chip card reader connected to the computer In your contract you may stipulate the obligation to authorise all active transactions executed on your accounts by means of the Client Certificate In this case it is necessary to authorise all active transactions by the Client Certificate or to execute them via the SERVIS 24 GSM banking service Furthermore if in your contract you stipulate the obligation of access to SERVIS 24 services via the Client Certificate then the access to your products will be possible only after the user logs in using the Client Certificate or via the SERVIS 24 GSM banking service The SERVIS 24 Telebanking service is available only for filing of complaints You can set up the obligation to use the Client Certificate for login to the SERVIS 24 Internetbanking service yourself You may cancel this obligation yourself in the SERVIS 24 Internetbanking service after loggi
39. curity data for the SERVIS 24 services at our branch or via the telephone banker The SERVIS 24 GSM banking service will be available to you immediately after the entry of the requirement for the generation of the new security data applies only if the mobile phone has not been deactivated at the same time 2 If all mobile phones registered for the SERVIS 24 GSM banking service have been deactivated access renewing to the account via SERVICE 24 GSM Banking service is no longer possible due to the terminated offer of this service 3 For renewing access to the account if one mobile phone has been deactivated see paragraph above Deactivation of a mobile phone registered for the SERVIS 24 GSM banking service upon own request 3 2220a 10 2015 12 41 Blocking access to the SERVIS 24 Mobile bank application Access to accounts via the SERVIS 24 Mobile bank application may be blocked via the SERVIS 24 Internetbanking or SERVIS 24 START applications or via Telebanking but also by entering an incorrect password for the Mobile bank three times in a row Unblocking access to the SERVIS 24 Mobile bank application Access to the SERVIS 24 Mobile bank application may be unblocked only in Internetbanking where you have to set up the password for the Mobile bank again and generate a one time code 4 Logging into the SERVIS 24 The usage of the SERVIS 24 services is preconditioned by successful login which serves for the purposes of Your identification
40. currency joint holder set wishes to deposit up and provision of funds to the newly money at the same opened deposit account AP or AP time the minimum together deposit amount is with JHA established for individual currencies separately e g for CZK it is 5 000 CZ Change of deposit account number The change request of renewal cycles method of interest AP has to be submitted disbursement method of principal together no later than 1 day disbursement with JHP before the deposit maturit Single withdrawal In the GSM banking service applies only to deposit accounts in CZK Remarks Standing order as of the maturity date rs JHA withdrawal Deposit account modelling Information on Vv ae JHP interest rates and value of interest for the selected period Cancellation of deposit account If renewal is renewal cancelled the deposit account will be properly v v AP terminated the account cannot be cancelled i e terminated before its ikovn spo en Nifty savings in 24 IVR Te IB Gsm mea Type of 074 4 START Beo Remarks Information on account balance for JHP ikovn spo en i ee ee E Podnikatelsk spo ic et S S24 Type of Entrepreneur savings account START INR C maues user Kemalis Information on account balance Entrepreneur savings account is set up only for the MAXI entrepreneur account momen on rers v o o e 3 2220a 10 2015 27 41 Podnikatelsk
41. cy current account 2 Information on account balance Domestic payment Entry of an express payment Foreign payment SEPA payment List of advices credit advices debit advices fees advices performed payment advices Information on transaction history Lists of entered operations 3 2220a 10 2015 GSM MBA Type of user JHP Remarks Information on the accounting balance and overdraft amount Domestic payment entry allows for the transfer of CZK to a CZK or foreign currency account maintained in a bank in the Czech Republic transfers in foreign currency may be made only within S so called future due date may be entered The payment may be received only on working days before 14 00 Payment can be entred only in CZK Business Terms Information of CS as On Payment Services Business Terms Information of CS as On Payment Services List and details of advices E g standing payments direct debits 26 41 Deposit accounts in CZK and in foreign currencies Information on balance on the deposit Information on the account accounting balance in the GSM banking application only for deposit accounts in CZK Opening a deposit account in CZK or The minimum in a foreign currency and joint holder deposit amount is set up established for individual currencies separately e g for CZK it is 5 000 CZK Opening a deposit account in CZK or If the AP with JHA in a foreign
42. der together with any joint holder PC holder together with any joint holder right AP with the P right PC holder together with any joint holder right AP with the P right PC holder together with any joint holder right AP with the P right with any D authorisati Payment card holder Account owner AP with the P right PC holder Account owner AP with the P right PC Type of IB GSM MBA user Remarks for natural persons private individuals and entrepreneurs and legal persons Via TB also without authentication after the provision of certain personal details only for private PC PC holder own PC only Via TB also without authentication after the provision of certain personal details only for private PC PC holder own PC only Via TB also without authentication after the provision of certain personal details only for private PC PC holder own PC only Via TB also without authentication after the provision of certain personal details only for private PC PC holder own PC only For business PC Remarks 31 41 CS loan products Information on loan account Information on mortgage loan account Loan possibilities Loan product offer loan overdraft loan credit card List of applications for loan products 3 2220a 10 2015 Contract holder Contract holder AP in case of legal persons Contract holder AP in case of legal perso
43. e menus of the mobile phone T Mobile Sifrovane SMS Encrypted SMS Zmena BPIN Change BPIN Enter the new banking PIN Confirm the new banking PIN The change of your passwords will be executed in all cases immediately 3 5 Blocking and unblocking access to the SERVIS 24 services Cancelling a user where internet and telephone banking services are not used Upon the point of allocation of security data which are handed over at the business point in a security envelope or sent off in a special registered mail consignment a 120 day period within which you have to log in to at least one of the SERVIS 24 services i e to begin using the service begins to run If you do not log in for the first time during this period or perform the first operation in the case of the SERVIS 24 GSM banking service your user access will be cancelled and the contract will cease validity if you are the sole user of the SERVIS 24 services Blocking user upon own request You can perform the blocking of access to the SERVIS 24 Telebanking SERVIS 24 Internetbanking SERVIS 24 Mobile bank and the SERVIS 24 GSM banking services upon your own request through the telephone banker Access to all services will be blocked at one time The services will be blocked when you provide some of your personal data If your SIM card or mobile phone is lost or stolen it is advisable to also deactivate the mobile phone registered for the SERVIS 24 G
44. eans of registered mail consignment for 3 2220a 10 2015 11 41 personal delivery to your mailing address Blocking the banking PIN for the GSM banking service As the offer of this service is terminated for new clients as of 20 7 2015 and the service cannot be newly installed or re installed to a new SIM card once the banking PIN and PUK for the GSM banking service is blocked the service cannot be used any longer You have three attempts for the entry of the banking PIN If you enter an incorrect banking PIN three times in a row you will be asked to enter the banking PUK which you have received when you bought your SIM card from the mobile operator or in a registered mail consignment in the case of older SIM cards of the T Mobile mobile operator Deactivation of a mobile phone registered for the SERVIS 24 GSM banking service upon own request You may have a mobile phone registered for the SERVIS 24 GSM banking service deactivated upon your own request via the telephone banker or at a business point Renewing access to the account via a deactivated phone is no longer possible due to the termination of the service Unblocking user access to the SERVIS 24 Telebanking and SERVIS 24 Internetbanking services You may unblock access to the SERVIS 24 Telebanking or to the SERVIS 24 services and My Healthy Finances Web Application as a whole including the SERVIS 24 GSM banking service via the telephone banker An exception to this rule is the
45. em are always entered The security ID is required upon first time login to the service first time login to certificate administrator user unblocking change of limits activation of 3D Secure and service and upon the entry of the telephone number for automatic sending of balance SMS messages or SMS messages about active transactions executed via SERVIS 24 You will receive the security ID directly at the business point in a security envelope or by registered mail together with the Telebanking password You may 3 2220a 10 2015 8 41 apply for a change of the security ID either through a business point and you will obtain it in a security envelope together with the Telebanking password or via the KCP and it will be sent to you by registered mail Authorisation SMS A SMS message which we send to your mobile phone It contains an authorisation SMS code The authorisation SMS code serves for the authorisation of transactions which you enter via the SERVIS 24 Internetbanking service In the course of authorisation it is necessary to copy the SMS code from the SMS message to the relevant field in the Internetbanking application It may also serve as the electronic signature which you attach to a data message addressed to the bank Login SMS A SMS message which we send to your mobile phone It contains a login SMS code The login SMS code serves for the authorisation of security data upon your login to the SERVIS 24 Internetbanking service Control S
46. ember 2015 to use the service ZU Zdravy ucet a Healthy Account My Healthy Finances Application Business day any day when we and other banks in the Czech Republic are opened and when settlement of inter bank deals is executed In respect of payment orders submitted via telephone and internet banking services and executed within the bank every day is a business day Passive transactions passive transactions include any information provided via telephone and internet banking services Payment card an instrument of non cash payments It includes all types of cards debit card credit card supplementary credit card charge card prepaid card Signature specimen a form specified by the bank where all authorised persons have been listed by you you may include yourself among the authorised persons specimen signatures or these persons or the scope of their powers Protocol Also Higher type security protocol A document drafted if you are interested in obtaining the Client Certificate a security tool Primary account an account which we maintain for you on the basis of which you use other accounts and products of yours within the scope of our financial group and Poji ovna CS Operating hours in respect of telephone and internet banking services these are from 11 00 p m to 11 00 p m of the following calendar day Orders entered after 11 00 p m will be processed with the date of the following calendar
47. ersonal details with the exception of business PC Via TB also without authentication after the provision of certain personal details Via TB also without authentication after the provision of certain personal details only for natural persons private individuals Via TB also without authentication after the provision of certain personal details Only for private credit and charge PC Via TB also without authentication after the provision of certain personal details For prepaid PC Via TB also without authentication after the provision of certain personal details but only for Payment cards and card accounts IB GSM MBA Change of password for a card Domestic payment Contracting of supplementary card and credit sticker Payment cards for current and sporogiro accounts debit Information on payment cards payment card detail Blocking and unblocking of a card Contracting of replacement card 3 2220a 10 2015 Type of user Type of user Account owner only PC holder together with JHP together with JHP PC holder account with the P right acco unt owner PC holder together authorisati Remarks for natural persons private individuals and entrepreneurs Only for private credit PC maximum amount of the transactions is 49 999 K future due to 30 days It is possible to order a supplementary card via S24 IB only for a holder who has been fu
48. es called SERVIS 24 START You can use the SERVIS 24 START service to execute operations and services specified in chapters 9 Overview of provided account operations and services and 10 Overview of other provided services The same rules principles and technical prerequisites as those of SERVIS 24 services apply to the SERVIS 24 START service Transactions which are not available for the SERVIS 24 START users in the SERVIS 24 Internetbanking service are colour coded The usage of the SERVIS 24 Telebanking service is also limited If you are interested in using the SERVIS 24 services in full scope you can apply for a transfer from SERVIS 24 START to SERVIS 24 at a business point The precondition for this is the existence of a current sporogiro or personal account in Ceska spo itelna to which the SERVIS 24 services will be related 2 Access to SERVIS 24 and communication fees Communication fees are telephone fees fees for connecting to the internet and fees for sent or delivered SMS messages 3 2220a 10 2015 6 41 2 1 Access to the SERVIS 24 services Available at 956 777 956 This telephone line is intended for the execution of transactions via the IVR system and the telephone banker This number also safeguards support for the SERVIS 24 services Telephone fees correspond to the fees for calling a local fixed line When calling from abroad please use the telephone number in international forma i e 420 956 777 956
49. et up 6 3 Co authorisation Co authorisation is the obligation to authorise active transactions on your accounts by several joint holders It is not mandatory to set up co authorisation You may arrange the co authorisation obligation in the contract together with the co authorisation limit an amount which may be transferred from your accounts in one day without the necessity of co authorisation and the number of co authorising joint holders persons who have to authorise transactions in excess of the entered limit prior to their submission for processing A transaction for co authorisation may be entered via the SERVIS 24 Internetbanking SERVIS 24 GSM banking or SERVIS 24 Mobile bank services A transaction may be co authorised only via the SERVIS 24 Internetbanking service If the transaction is not co authorised by its due date it is possible to update the due date by adding the remaining co authorisation within thirty days of the due date and to execute the transaction with the current due date 7 Payment orders processing 7 1 Conditions governing the execution of transactions We may provide access to passive and active transactions for you only after you have been properly authenticated We will be entitled to decline the execution of an active or passive transaction or an administrative operation if it suspects that it has been entered by an unauthorised person 3 2220a 10 2015 16 41 Before an active transaction or an administ
50. et up cancellation of e invoice e document receipt from the issuer Set up of incoming invoice document notification SMS e mail 3 2220a 10 2015 Notes For natural persons individuals and entrepreneurs Clients can enter payment from account assigned to the SERVIS 24 services or from a different bank account in case of purchasing bond mortgage bond only from the S account i e bank code 0800 The sale of premium deposits secured funds cannot be entered via the SERVIS 24 services Securities account transactions Remarks List of all e invoice e document issuers from whom it is possible to receive invoices in electronic format The service may be activated by selecting an issuer and entering the unique identifier under which the client is maintained by the issuer on the basis of this activation the issuer will begin to send invoices or documents electronically to internet banking and will stop sending them by post for instructions how to activate individual issuers please refer to www csas cz e faktura For PS S you can activate deactivate the service Only AP JHA JHP who is at the same time the product owner The notification is delivered to the client always when a new invoice or document arrives to internet banking 34 41 E invoicing e document Set up of coming invoice due date notification List of e invoices e documents E invoice payment Advice on t
51. hase of a premium deposit may be entered at any time in the SERVIS 24 services The related orders entered in respect of current and sporogiro accounts will be submitted for processing on the same or next working day Orders in respect of accounts which are not assigned under the SERVIS 24 services have to be entered ina manner ensuring that the amounts of money are consistent with the deposit amount and were credited to our account no later than three working days of the purchase If you fail to pay the money within three working days the purchase shall be considered void The premium deposit will be opened in respect of a securities account on a working day following the day when the deposit amount paid by you is credited to our account A purchase of bonds mortgage bond may be entered in the SERVIS 24 services at any time for the price effective on that particular day The prices of the preceding working day will apply to deals made on non working days Related orders entered in respect of current and sporogiro accounts will be submitted for processing on the same or next working day Orders from accounts which are not assigned under the SERVIS 24 services have to be entered by you yourself The transaction has to be paid within three working days of the entry of the single purchase order If you fail to pay the purchase price within three working days the purchase will be considered void We will transfer the bond mortgage bond share to your securities
52. he PIN for chip card will be blocked after three invalid attempts You can get the PIN unblocked via the card administrator CryptoPlus using the PUK password that you received in special envelope along with your PIN and your chip card If you enter an invalid PUK code seven times in a row the chip card will be blocked After the card is blocked it is necessary to purchase a new chip card at a business point and to apply for a new Client Certificate Revocation of client certificate validity You can apply for the revocation of Client Certificate validity yourself after you log into the SERVIS 24 Internetbanking service or via a business point or via the SERVIS 24 Telebanking service The validity of an invalidated Client Certificate cannot be renewed If you wish to continue using the Client Certificate you have to apply for the issue of a new one at a business point Blocking the security ID You have only three attempts for the entry of the security ID If you enter an incorrect security ID three times in a row it will become blocked The security ID cannot be unblocked it is always necessary to apply for the generation of a new security ID via a business point or the SERVIS 24 Telebanking service If you are applying via a business point a new security ID including a Telebanking password will be immediately provided to you If you request the new security ID via the SERVIS 24 Telebanking service the new security ID will be sent to you by m
53. he set up of e invoice e document Advice on the delivered e invoice e document Purchase of products and services in an e shop 3 2220a 10 2015 Type of user AP JHA JHP JHA JHP am o m k MBA MBA Remarks The notification is delivered to the client a certain number of days before the invoice or document due date validity specified by the client Contains received invoices or documents 24 months after their due date the user may display a selected e invoice or document in the PDF format and then save it to his her computer or print it out When you click on the Pay button the payment will be defaulted based on the invoicing data and the user will authorise itin a standard manner if the client pays invoices in another manner e g by direct debit he she will not use this link Set up and display of the advice is related to the primary account Activation of the e invoice e document service will automatically activate the advice on such service Set up and display of the advice is related to the primary account Activation of the e invoice e document service will automatically activate the advice on such service Remarks The user is informed about specific conditions of setting up the product or service during his her purchase 35 41 Type of 1 0 B GSM MBA usar Display of the number of points a pe Display of the activation code Registration may be
54. horisation SMS messages at a business point The basic limits of the services are automatically set up for each newly set up user The limit of the SERVIS 24 Telebanking service may be reduced via the Telebanking or Internetbanking service You can increase as well as reduce your limits at a business point The limits for the SERVIS 24 Internetbanking service may be reduced or increased also via the Internetbanking service Basic limit set up at when the Type of limit service is established Maximum limit Limit for SERVIS 24 Telebanking 50 000 100 000 Limit for SERVIS 24 Internetbanking 200 000 200 000 Limit for SERVIS 24 GSM banking no limit no limit Limit for SERVIS 24 Mobile bank 30 000 monthly limit 200 000 30 000 monthly limit 200 000 Account limit for mobile payments 10 000 10 000 5 2 Account limit To restrict active transactions in respect of a specific account it is possible to set up an account limit The account limit cannot be exceeded not even when using the Client Certificate The account limit may be set up directly in the SERVIS 24 Internetbanking and SERVIS 24 Telebanking services 5 3 Co authorisation limit The co authorisation limit is used when an account is administered by several users For more details please refer to Chapter 6 3 Co authorisation The co authorisation limit represents the maximum total daily amount of active transactions which may be executed by the user
55. ich is specified in the User set up protocol The User set up protocol is provided to any newly set up user It serves for the purposes of your authentication upon login You can apply for a change of your client number via a business point Telebanking password A six digit number which you have received when you contracted the service at our branch in a security envelope or via registered mail and which is used for your verification at every first time login to the SERVIS 24 Internetbanking service or for the unblocking of the SERVIS 24 Internetbanking service When logging into the SERVIS 24 Telebanking service you will be asked to enter three randomly selected characters from this password If you forget or lose this password you can apply for the generation of new security data through the telephone banker or at a branch Internetbanking password A combination of numerals and letters of your choice of at least 8 and no more than 30 characters it is necessary to distinguish between upper and lower case and refrain from the use of diacritical symbols containing at least two letters and at the same time at least two numerals You will define it when logging into the SERVIS 24 Internetbanking service for the first time chapter 4 2 Logging into the SERVIS 24 Internetbanking service refers If you forget your password for Internetbanking you can set up a new one directly in the login screen of the SERVIS 24 Internetbanking application Mobile bank pa
56. il messages on the balance on a sporogiro current securities deposit or Sikovn spo en Nifty savings account Joint holder administration 3 2220a 10 2015 Remarks In respect of natural persons private individuals product assignment is automatic AP may manually remove or subsequently re assign the products If the owner is a minor addition or deletion of a product may be done only manually Maximum daily amount of all active transactions on the given account chapter 5 2 Account The operation requires the entry of the security ID the change may be performed in SERVIS 24 only if the following option is not active Use authorisation SMS method for the authorisation of financial transactions if it is active it is necessary to conduct migration by security SMS settings first The operation requires the entry of the security ID Information on the accounting balance on the account is sent always on the day following the change of the accounting balance Only e mail for SERVIS 24 START Addition deletion of account joint holders and the settings of their rights for sporogiro current deposit and card accounts and payment cards definition of joint holders whose fees are going to be paid from the primary account 21 41 SERVIS 24 account administration Setting up data statements for current accounts together with JHA Set up change cancellation of statements both
57. ing service ccceeeeeeeeeeeeeeeee teeter eeeeeeeaeeeeeeeeeeeeeeeneneaaees 13 Logging into the SERVIS 24 Internetbanking service c cccceeeeeeeeeeeeeeeeeeeeeeeeeeeeetaeeeeeeeeeeeeeeteeee 13 Logging into the SERVIS 24 Mobile Bank c cccceeeeesecccecee eee eeeeeneseeeeeeeeeeeeaaaeeaeeeeeeeeeeeneneaaas 14 Logging into the SERVIS 24 My Status Service ccccccccceeeeeeeeeeeeeeeeeeeeeeseeeeaaaaeeeeeeeeeeeesaaaaes 14 Logging into the My Healthy Finances Application ccccccceeeeeeeeeeeeeceeeeeeeeeeeeeenaaeeeeeeeeeeeeeenaaees 14 Limits used in SERVIS 24 serViCe wxccsiccccccscesdsccssceciaecesccssaceeshaeascdeessnssesaasneccsescnes 14 Telavi esa al STE E E E E ete 15 PCC OMI MINI S e an aaa Gest as R T A E RE E eet R O ace 15 GC a thorisatiom UNMIS sesse enesenn e e area e E EAE pE E eE E pE Ta E eean E pE Tn Ui eiA eiti 15 Limit for mobile payments aaen ate sents tae Aree E E E E a Maal ete 15 Users in the SERVIS 24 ServiCes seeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeees 15 OMA molo EIEEE EARTE AEE TE ETEA ATETA ITE AA TAA TIAE AA IEA TSE E 16 Authorised PerSOrierrn n ieena AE AE EN 16 Goa thorisatiOn esenea E T T E TN 16 Payment orders processing sssssssssnnsrnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn nnmnnn nnmnnn nnnm 16 Conditions governing the execution of transactions sseeeseessesenrrrrtrsstrrntrrntrtssrtrnernnnnnnnneseet 16 F rgign DAYMGING s reepa eaae
58. l shops Never install to your computer any programs from sources that you did not verify When installing applications to your mobile phones download applications only from official stores App store Google play and Windows phone store 5 Access Internet banking only from your computer Never access the SERVIS 24 and BUSINESS 24 services from unknown computers or from computers in Internet caf s or other public places Logging to your computer shall be done with access not involving administrator rights check the settings of user rights in Start Control panels User accounts Verify that you log into the Bank s website Once the login page opens up check whether the address line in the upper part of the Internet browser displays addresses https www servis24 cz for SERVIS 24 https www business24 cz for BUSINESS 24 Check in the address line after clicking on the lock icon in the green coloured part of the line whether the information on certified securing of the given service is displayed 6 Utilize anti virus program and also personal firewalls Install anti virus program to your computer and your smart mobile phone To ensure that the anti virus program fulfils its function update it on regular basis even several times a day Outdated anti virus program is ineffective Majority of supported operating systems already offers tool personal firewall Do not switch this tool off it protects you during communication
59. liged to invalidate the Client Certificate if you suspect that it has been abused or if your chip card is lost or stolen After we receive a justified application for Client Certificate invalidation we shall forthwith revoke the validity of the Client Certificate and since that moment it will not be possible to use the Client Certificate for telephone and internet banking services and it shall be invalidated by the certification authority The invalidation of the Client Certificate irrevocably terminates its validity and it is no longer possible to use it 3 2220a 10 2015 19 41 9 Overview of provided account operations and services 24 SERVIS 24 user administration START IVR TB GSM MBA Change of password for Telebanking Change of password for Internetbanking Change of contact details Type of Remarks user Change of mailing address for the sending of security data telephone or fax number e mail address for sending of confirmations Reduction of user limit for Telebanking Change of limit for Internetbanking Activation and deactivation of login to the Internetbanking application via Client Certificate Only if the user has concluded a contract on the provision of higher type security Security ID and or password for Telebanking can be re sent through Telebanking Blocking and unblocking of the service Blocking of the Mobile bank service Activation of Mobile Bank service Authorisation SMS
60. lly verified in the bank s internal systems Remarks for natural persons private individuals and A and legal persons Through IB in menu E SHOP Cards Via TB also without authentication after the provision of certain personal details only for private PC PC holder own PC only Via TB operation without authentication unblocking after provision of certain personal details Via S24 IB PC holder can block only his her own and unblock it if he she blocked it Account owner AP can block and unblock all cards issued for the Via S24 IB AP Owner of the account for which the payment card is issued He she can request it for anybody Payment card holder can request it only for himself herself 30 41 Payment cards for current and sporogiro accounts debit Change of payment card parameters 1 automatic renewal settings 2 change of address for sendingof PIN oor card if applicable 3 re sending of PIN 4 method of next card collection Change of type of next card contact contactless Change of payment card limits decrease increase Contracting insurance for the card and personal belongings Contracting travel insurance or supplementary insurance for the payment card 3D Secure service activation for existing card Displaying PIN for payment card Set up of PIN delivery to S24 IB CS loan products 3 2220a 10 2015 PC holder together with any joint holder PC hol
61. ng in via the Client Certificate or through a business point 3 1 Provision of security data The security details are provided by us automatically upon contracting the SERVIS 24 services You will receive the Security ID and password for Telebanking personally when you contract the SERVIS 24 SERVIS 24 Start services or 3 2220a 10 2015 7 41 we will send them to you by registered mail for your own receipt to you mailing address You can receive the client number which forms part of the User set up protocol directly at the branch or by standard post to your mailing address To be able to enter active transactions via the SERVIS 24 Internetbanking service it is necessary to activate authorisation SMS messages in addition to standard security You can apply for the set up of the mobile phone number for the sending of security SMS messages and the activation of authorisation and login SMS messages either when contracting the SERVIS 24 services or any time later via a business point or via the Internetbanking application if you use the Client Certificate You can apply for the Client Certificate for the SERVIS 24 Internetbanking service either when contracting the service or any time later but only through a business point The validity of the Client Certificate is 1 year The Client Certificate may be renewed before its expiry via the SERVIS 24 Internetbanking service Other elements enhancing security of the service are as follows Graphi
62. ng the code check meticulously the stated details and thus confirm that this is the transaction which you have entered 2 Do not react to scam e mails Do not react to e mail messages that you received from unknown senders or to messages with suspicious title or content Do focus also on the correct grammar of e mail messages fraudulent e mails usually contain grammar errors a If you get such a scam e mail do not respond to it do not click on inserted links and do not open the attachments Bear in mind that Ceska spo itelna never contacts clients regarding security matters by e mail therefore never disclose your personal or security details as part of response to received e mail message b Do not click on links in e mails from unknown or suspicious senders and do not enter your sensitive details Ceska spo itelna NEVER requires it 3 Do not open unknown links to unfamiliar servers When working on Internet do open links to unfamiliar servers e g with erotic content and those which you came across in spam e mails 3 2220a 10 2015 9 41 4 Protect your computer and also your mobile phone Your device is an important security means for communication with Internet banking and therefore you shall carefully prtotect it and follow the basic rules a Regularly update your operating system and your Internet browser install security patches and packages which the manufacturer recommends b Install applications solely from officia
63. ns Remarks Provision of information to a natural person natural person entrepreneur legal person on a loan account which has been activated for the service e g the amount of loan interest rate fees and instalments Provision of information to a natural person natural person entrepreneur legal person ona mortgage account which has been activated for the service e g the amount of loan interest rate fees and instalments A non binding offer of the amount of loan overdraft and credit card for the client For natural persons private individuals natural persons entrepreneurs who have responded to the offer of loan products and have resources necessary for contract conclusion Legal persons only an offer without the possibility to conclude the contract For natural persons private individuals natural persons entrepreneurs all pending applications for an overdraft loan and credit card submitted by the user via the SERVIS 24 Internetbanking service will be displayed giving the current status of the application 32 41 CS loan products f Remarks List of concluded contracts For natural persons private individuals natural persons entrepreneurs all contracts on overdrafts loans and credit cards concluded by the user in the SERVIS 24 Internetbanking service will be displayed with the possibility to save them in the PDF format Possibility to incremen
64. on Internet 7 Utilize protection against spam Use protection against spam in your mailbox We also recommend using other protective instruments labelled as antispyware antiadware etc 8 Set up notification of payments on your bank account We recommend you shall set up on your account sending of information SMS messages about movements on your account you can set it up in SERVIS 24 Internetbanking Seettings icon key SMS MESSAGES Information and balance SMS Thus you will be informed about every movement on your account We also recommend checking the last successful login to the Internet banking Information is available in the footer of the Internet banking 9 Regularly follow information on security Ceska spo itelna publishes information about security situation on its website www csas cz and also directly in the Internet banking 10 Make sure your smart mobile phone is correctly set up Smart phone contains operating system and for such modern types of phones you shall pay more attention to carefulness and to security Do not use program modifications of your smart mobile phones that allow for full administrator access these are modification such as jailbreak for iOS iPHONE root for Android SAMSUNG Galaxy NEXUS and many others or jailbreak also unlock unclosking for Windows Recommendation in case of telephones with the Android syst m we recommend prohibiting installation from unknown sources
65. on for access to telephone and internet banking services Security SMS these include authorisation SMS messages and login SMS messages set up for the concerned user Certification authority an institution which issues administers and invalidates Client Certificates Chip card a secure repository of the Client Certificate an independent microprocessor on a card compliant with ISO 7916 Chip card reader a hardware device necessary for the usage of chip cards Joint holder a user who is authorised to administer money on your accounts on the basis of an authorisation and in the scope assigned thereto by you A joint holder has to be identical with the person listed in the specimen signature for the given account Domestic payment serves for the purposes of one off sending of a payment to the payee account maintained in Ceska spo itelna or in other banks in the Czech Republic E invoice the bank s service provided as part of the SERVIS 24 Internetbanking service allowing you to receive tax dockets from service providers who are our contracting partners in electronic format and also allowing for an easier payment for the provided products and services subjected to tax Our financial group includes the subsidiaries of Ceska spo itelna a s a company which has decisive asset share in Ceska spo itelna a s the bank s parent company and companies where the bank s parent company has a more than 25 asset share of
66. ons The above mentioned implies that SERVIS 24 Telebanking allows for communication with the IVR system and with the telephone banker Any time this manual refers to the SERVIS 24 Telebanking service it involves both of these contact options Using SERVIS 24 Telebanking through IVR Interactive Voice Response For you to be able to avail of this service you will need a telephone with tone dialling or a mobile phone If you do not have such a phone please wait for the automatic connection with the telephone banker once you dial the number When using the service the IVR system will inform you of the menu of available operations where you can press the relevant specified button to select where to proceed next You can interrupt the IVR voice message recording at any time by pressing the button of the required option For example when each entered detail is repeated or upon the final check of the entered details it is possible to cut off some of the sections by pressing the symbol You can avail of connection to the telephone banker from any menu but not from the transaction you are executing If the system prompts you to enter a specific detail you have approximately ten seconds for the entry If you do not enter the detail in this limit the system will repeat the prompt After the prompt is repeated for the third time the call will be automatically terminated When entering an order for the execution of a transaction such as
67. ployee of Client Centre Prost jov who provides the predefined scope of services via phone User A natural person holder of security data who is entitled to use telephone and internet banking services within the scope of powers assigned thereto by you On the basis of the given powers there is a user authorised person anda user joint holder A user may hold both powers at the same time User Authorised person hereinafter also referred to as authorised person a user acting on your behalf on the basis of authority specified in respect of him her in the contract It does not have to be a client of the bank User Joint holder A user who is authorised to handle money on your accounts on the basis of an authority and within the scope assigned by you or by the user authorised person thereto A joint holder has to be identical to a person specified in the valid specimen signature for the concerned account Application also application for higher type security a document specifying your requirement addressed to the bank for the change of identification data associated with a security tool Client Certificate 12 IVR structure 956 777 956 Do you need help After you press one you can For English press three yourself learn about the balance from a telephone banker or enter the transaction Press two For entry of transaction and learning about the balance press one For balance
68. r a replacement card v Change of credit card parameters automatic renewal settings change of address for sending of PIN or card if applicable re sending of PIN method of next card collection v Change of type of next card contact contactless v Change of address for statement sending v Change of payment card limits decrease increase Contracting insurance for the card and personal belongings v Contracting travel insurance v v v Information on the ATM network 3D Secure activation of service for the existing credit card 3D Secure displaying information Card activation v Display of password for a card Bi A Ag BE DE ENESE AEA BE A E BE 3 2220a 10 2015 Card account owner AP PC holder everybody with the P right for the card account Card account owner only Card account owner only Card account owner only Card account owner only Card account owner only Card account account owner JH P card holder Payment card holder Account owner AP with P right PC holder Remarks for natural persons private individuals and entrepreneurs Via S24 IB The owner of the account in respect of which the payment card has been issued Payment card holder The AP for the contract to which the account is assigned Except for business credit cards and charge PC Via TB also without authentication after the provision of certain p
69. rative operation is executed it is necessary for you to approve its contents An approval of an active transaction or administrative operation is considered to be an oral confirmation given to the telephone banker confirmation of the respective option in the IVR system or a confirmation of the active transaction or administrative operation in internet banking and Mobile Bank Once the active transaction or administrative operation has been approved it is accepted for processing which means that all of the required details have been completed and have met the formal requirements It does not mean that the order will be processed We may decline the order e g if there are insufficient resources on the account Passive and active transactions and administrative operations may be entered created during operating hours of the SERVIS 24 services For a payment order to be processed with the date of the current business day it has to be entered by 11 00 p m Exceptions from this rule are provided in the Information on Payment Service private clients The SERVIS 24 services moreover offer a function which checks for unwanted duplicities of payment transactions When executing a domestic payment multiple payment or payment import the SERVIS 24 services check for previously entered payments If on the same day an identical payment appears a warning will be displayed You may then cancel the payment check the previously entered payments or submit the
70. rsons you have selected for use of the SERVIS 24 services We do not assume responsibility for unsuccessful delivery of a SMS message caused by a technical outage on the part of the mobile phone operator or caused by incorrect functioning of the mobile phone Information on a change of the accounting balance in the form of a SMS message sent outside the SERVIS 24 GSM banking service or e mail is sent always after the change of the accounting balance 3 3 Security rules for utilisation of SERVIS 24 Internet banking services 1 Protect your security details a Password Never disclose your security details to other persons and do not enter them into applications unless you are sure that you are working at the www servis24 cz or www business24 cz sites Create a robust password it should contain lower and upper case letters numerals and special characters and change it regularly Password for Internet banking should be different from other passwords used in other applications b Certificate Do not leave your chip card with client certificate in the chip card reader when you are not carrying out banking operations Chip card is necessary only for the logging in and for authorisation of transactions c Authorisation SMS Every Authorisation SMS message contains not only the unique code by entering of which you confirm the executed transaction but it also includes detailed information for the given transaction Therefore prior to enteri
71. run applications Android widget iOS overview Today Dnes Select the method of securing the access to an application PIN gesture fingerprint without password Display account contract numbers and sahre them through SMS e mail messaging applications etc Display useful contacts of the bank telephone numbers e mail address Conditions of use Mobile phone note applicatuion was developed for mobile telephones it can be used for tablets however the displaying is not optimised Operating system of the device Android 4 0 and higher versions iOS 7 and higher versions Activated service SERVIS 24 Internetbanking or SERVIS 24 START Internetbanking User is the owner of account 1 8 My Healthy Finances Web Application A web application which will display your expenses by category and will thus allow you to better manage your spending Main functions Display of expenses by category Set up of expense budgets for individual categories Conditions of use Active SERVIS 24 Internetbanking service 1 9 Characteristics of the SERVIS 24 START service For those of you who use only deposit accounts loan accounts and or products of our financial group of the bank or of Poji ovna CS such as securities accounts savings or loan accounts of the building savings pension insurance supplementary pension saving pension saving or life insurance we have prepared a simpler version of the SERVIS 24 servic
72. s on all accounts assigned under the given contract without the necessity of their authorisation by another account user Transactions in excess of this limit have to be authorised co authorised in the SERVIS 24 Internetbanking service by other account users with the relevant powers The co authorisation limit is not mandatory If it is required it is stated together with the number of required co authorisations in the contract and it may be changed only through a business point These limits are not applicable to transactions between accounts belonging to a single user and falling under a single Contract on the provision of SERVIS 24 5 4 Limit for mobile payments The limit pertains to recharging of prepaid Twist cards O2 cards Vodafone cards and Vodafone invoice payments For other conditions governing recharging stipulated by mobile operators please refer to brand outlets of mobile operators and to the relevant websites www o2 cz www t mobile cz www vodafone cz 6 Users in the SERVIS 24 services As a user of the SERVIS 24 services you may be a joint holder and or the authorised person 3 2220a 10 2015 15 41 6 1 Joint Holder A joint holder is a user who may administer your accounts within the scope of powers allocated thereto A joint holder of a sporogiro current deposit account ikovn spo en Nifty savings or Internet savings may be a user listed in the specimen signature at a business point A join
73. ssword A combination of letters without diacritical symbols numerals and of some other symbols provided on the graphic keyboard which you create The password of the Mobile bank is generated in Internetbanking and it is necessary for the activation and subsequent logins to the SERVIS 24 Mobile bank application The password has to contain at least 6 and at the most 20 characters The password distinguishes between lower and upper case It must not be made of a simple numerical sequence If the Caps Lock key is activated the screen will give a brief warning To increase security it is possible to set up the password using the graphic keyboard Banking PIN for the SERVIS 24 GSM banking service At least a four digit number which serves for secure access to the bank application Where the O2 mobile phone operator is involved the banking PIN is provided directly with the SIM card In the case of T Mobile and Vodafone mobile operators you select the banking PIN yourself after you enter the banking PUK Banking PUK for the SERVIS 24 GSM banking service An eight digit number which serves for the purposes of first time login into the banking application in the case of the SIM cards of the T Mobile and Vodafone operators and for unblocking access to the GSM banking service for all operators after the banking PIN has been entered incorrectly three times in a row Security ID An eight digit number of which only 4 characters selected randomly by the syst
74. t holder may be granted the following rights Active transactions right entering transactions from the given account and obtaining of information about these transactions activation deactivation changes and set up of the e invoice e document service Passive transactions right access to information such as the account balance in respect of the given account activation deactivation and changes in the set up of the e invoice e document service Transaction co authorisation right co authorising authorising of transactions which have exceeded the co authorisation limit chapter 5 3 Co authorisation limits refers In respect of a card account the joint holder may be granted only the passive transactions right and only in the following cases He she is listed as a joint holder with passive authorisation in respect of at least one of your current or sporogiro account He she is the owner of the card account or the holder of the payment card issued for the given card account If the joint holder with any powers is at the same time the holder of a debit or credit payment card he she may change its parameters chapter 9 refers The rights to administer your respective account are assigned to joint holders by the authorised person via the SERVIS 24 Internetbanking or SERVIS 24 Telebanking services If the assigned person is not a user he she will be set up as the user and security data will be generated and sen
75. t owners who are at the same time S24 owners Searching for new numbers of sporogiro accounts Business messages Information about the CS FX rate table and on rates of open mutual funds of ISCS Information on FX rates for selected currencies v Service or operation may be conducted In respect of all operations your authentication will be necessary see chapter 3 2 User identification and authentication except for those where the remark states operation without authentication Authentication is always required for access to the SERVIS 24 Internetbanking service The current version of the SERVIS 24 User Manual is available from the bank s website www csas cz section Downloads Manuals 3 2220a 10 2015 39 41 11 Delimitation of selected terms Administrative operation an operation which results in a change to the set up of the service and user rights Active transaction a transaction by means of which money is transferred Security instruments these are unique security features allocated by the bank to the user for the purposes of user identification and providing the user with access to telephone and internet banking services using enhanced security of communication with the bank e g the Client Certificate Security data unique security features the security ID and Telebanking password which are automatically allocated to a newly set up user for the purposes of his her unequivocal identificati
76. t previously For natural persons contracted loan products overdrafts private individuals credit cards loans for natural persons only Within the scope of SERVIS 24 IB MBA Contract holder AP Contract holder Notes For natural persons individuals and entrepreneurs Open mutual funds of the cS S24 IVR GSM User Investi n spole nost type EEE TE securities account Single purchase Clients may enter payments from an account assigned under the SERVIS 24 services or from another bank account Regular purchase Entry change cancellation Clients who have contracted the SERVIS 24 START service and who have an assigned current or sporogiro account have to enter the money transfer order outside the SERVIS 24 START service cancellation perme bp ee cancellation aaa A a histor transactions Portfolio modelling Clients may enter the payment from an account assigned under the SERVIS 24 services or from a bank account Portfolio Portfolio display poole deo s statement parameters Os om to set up the frequency of sending of statements Notes For natural persons individuals and entrepreneurs ucts of the S24 spole nost START 3 2220a 10 2015 33 41 Secured products of the CS Investi ni spolecnost Single purchase Single sale Information on the transaction histor List of accounts E invoicing e document List of e invoice e document issuers S
77. t thereto 6 2 Authorised Person The authorised person is a user who has been empowered in the contract to execute the following operations Adding removing accounts to from the SERVIS 24 services and setting up limits for the individual added accounts Administration of joint holder rights i e adding removing joint holders to from the SERVIS 24 services and setting up changing deleting their rights in respect of handling money on your accounts Opening deposit accounts via the SERVIS 24 services Activation change deactivation of text statements in electronic as well as paper format for sporogiro current and deposit accounts in Czech crowns or foreign currencies Adding newly issued payment cards to accounts in respect of which these have been issued Change of parameters of debit payment cards Change of parameters of credit payment cards if he she is also the owner of the card account Activation deactivation set up of the e invoice e document service or making changes to the existing set up Sponsoring of a particular SERVIS 24 user The authorised person has an automatically set up right of passive transactions in respect of all card accounts assigned under the SERVIS 24 services If you are the owner of the account you administer in the SERVIS 24 services you are automatically maintained as the authorised person and joint holder of the account with all rights without the option to change this s
78. tatute that specify also the procedure for calculation of the investment security price All the documents are available from the website of the concerned fund administrator or at a point of sale When buying or selling investment securities of CS investment companies and REICO the time is 12 00 p m If the purchase and payment order sale order is entered after 12 00 p m means the purchase sale of securities for the price of the following working day Instructions received outside the working day up to 12 00 p m of the last day of holiday are settled for the price of the last day before the holiday When buying and selling investment securities of the ESPA funds i e ERSTE SPARINVEST funds denominated in CZK it is necessary to enter the order for purchase or payment or for sale no later than by 12 00 p m of a working day Instructions for the purchase of investment securities will be sent off on the following working day when investment securities will be also issued providing the day is a working day also in Austria Please note The issuance and settlement of investment securities of the ESPA funds is governed by the Austrian law and conventions and e g the rate of issue of the securities is dated as at the following working day The investment securities of the ESPA Stock Japan ESPA Stock Russia ESPA STOCK Global Emerging Markets and ESPA Stock Istanbul funds are issued one day later than other ESPA funds The purc
79. ter referred to as IVR and telephone bankers the internet SERVIS 24 Internetbanking the mobile phone SERVIS 24 GSM Banking and via the SERVIS 24 Mobile Bank application for devices equipped with the iOS Android or Windows operating systems The SERVIS 24 services are provided to you within the scope of passive and active transactions and administrative operations on accounts which we maintain unless defined otherwise in this document The scope of passive and active transactions and services supported by SERVIS 24 differs for various types of administration and is explained in chapter 9 Overview of provided account operations and services and chapter 10 Overview of other provided services The bank is entitled to unilaterally change the scope of transactions and services in relation to the extension of services offered within SERVIS 24 and other products of the financial group of our bank and of Poji ovna esk spo itelny a s Vienna Insurance Group hereinafter referred to as Poji ovna CS 1 1 Accounts control The SERVIS 24 services may be used for account administration both by you as the account owner and by other persons which you authorise for account administration If you are a natural person once you or the authorised person log s in for the first time so called service activation all products maintained by the financial group of our company will be automatically assigned under SERVIS 24 services In respect of natural
80. the internet banking site Technical requirements for using the service The recommended equipment for the proper functionality of the SERVIS 24 Internetbanking application is a personal computer with internet browser Operating system Browser Internet Explorer 10 Internet Explorer 11 Mozilla Firefox last 3 versions Google Chrome last 3 versions Internet Explorer 10 Windows 8 Internet Explorer 11 Windows 8 1 Mozilla Firefox last 3 versions Google Chrome last 3 versions Windows 7 SP1 Safari 6 and higher Mozilla Firefox last 3 versions Google Chrome last 3 versions Mac OS X 10 9 Mavericks Mac OS X 10 10 Yosemite Mozilla Firefox last 3 versions Linux distribution CentOS version 6 and higher Google Chrome last 3 versions Linux distribution Ubuntu version 12 10 and higher The latest browser versions are tested following their release for the period of 3 months and the application is adopted to them in order to safeguard full functionality and proper display The application requires a computer capable of processing websites according to the following standards HTML 4 01 as per recommendation W3C HTML 4 01 Specification and the ISO IEC 15445 2000 standard JavaScript as per recommendation ECMAscript 262 rev 3 CSS 3 as per recommendation W3C CSS3 Values and Units HTTP 1 1 as per recommendation IETF RFC2616 TLS 1 0 The storing of cookies h
81. the registered capital or a share in excess of 25 of voting rights Current information on the members of our financial group is available from the bank s website and at its business points Password for obtaining the certificate a one time password for the confirmation of the request for Client Certificate IVR the automated voice response system Client Centre Prost jov also KCP A workplace of the bank which provides by means of phone telephone and internet banking services It supports clients and informs them about the products and services of the entire bank Client Certificate a data file stored in a chip card which may be used by means of a reader connected to the computer for unique identification of the SERVIS 24 Internetbanking service user or for authorisation of his her transactions Client number an identification number of the user which is specified in the User set up protocol Mobile payments recharging of prepaid coupons of mobile phone operators O2 card TWIST card Vodafone card and moreover for the Vodafone mobile operator also the payment of invoices Vodafone payment and increase of the call deposit Mobito a service which enables clients to pay via the mobile phone using a simple connection to their bank account The service will be terminated by service provider Mopet CZ as of 30 November 2015 As of 1 October 2015 it is no longer possible to register for the service and as of 1 Dec
82. tributions only for the SSCS account owner or guardian of a minor owner where applicable 37 41 Service Remarks Pension insurance supplementary pension saving For natural persons private pension saving of the CS individuals contract holders penzijn spole nost Change in the course of the Application for postponement pension insurance or discontinuation of payments supplementary pension saving of contributions application for pension saving discontinuation of the pension insurance supplementary pension saving and pension Change of contract terms and Change of contact details type conditions of pension amount of monthly contribution joining pension plan no 4 pension insurance only change of distribution of finances into funds supplementary pension savings and pension savings only contracting or terminating the Maximum and Optimum services for pension insurance and supplementary pension savings onl Change in the savings amount contributed by the participant agreement on cancellation of employer s contribution agreement on cancellation of pension early retirement old age disabilit Information on the pension Information on contract insurance supplementary balance as of the concerned pension savings and pension saving accounts Information on a contract on Recapitulation of the status of pension insurance the contract supplementary pension savings beneficiaries designated
83. vent Remarks Information on the accounting balance and overdraft amount JHP Posted transactions on the account Possibility to re use details of an executed payment from the transaction history All transactions executed by the user such as standing payments direct debits payments Payments executed via payment cards All entered multiple payments and payment batches imported to the SERVIS 24 Internetbanking service 22 41 Sporogiro account current account S24 in CZK Type of user Domestic payment entry payment of a postal slip payments for services insurance premium payment etc Payment templates Display cancel pending payments Entry of an express payment Entry of a domestic payments to collection accounts v JHA PAYMENT 24 entry of a domestic payment for an e shop v JHA Foreign payment v v JHA SEPA payment v v JHA List of advices credit advices debit advices v v JHA JHP fees advices performed payment advices Entry of a direct debit payment So Oeil 3 2220a 10 2015 MBA Information on deferred mobile payments JHA JHP Remarks All credit recharging of prepaid cards of mobile phone operators O2 T Mobile which have not been processed It is possible to enter a future due date to transfer money in CZK toa foreign currency account to enter data to the field describing the payment via SERVIS 24 Telebanking or SERVIS 24 Internetbanking Templ
84. will be asked to enter the PIN code for your chip card 3 2220a 10 2015 13 41 Recommendation It is recommended to keep the security ID and the current password for Telebanking You will need it for potential unblocking of access to the SERVIS 24 Internetbanking application 4 3 Logging into the SERVIS 24 Mobile Bank Activation Download the SERVIS 24 Mobile Bank application free of charge from the App Store or from Google play into your mobile device To search for the application you can use the keywords SERVIS 24 S24 CS spo itelna esk spo itelna internetbanking mobiln banka or mobile bank Credentials must be set in the SERVIS 24 Internetbanking http www servis24 cz You will be required to enter the new password for the Mobile Bank and to generate a one time activation code Start up the SERVIS 24 Mobile Bank application in your mobile device and enter the requested details The activation wizard in the application will help you Usage Use your password for Mobile Bank to log into the Mobile Bank application 4 4 Logging into the SERVIS 24 My Status Service Activation From the App Store devices with iOS or Google play store devices with Android download the My status application to your mobile device free of charge To retrieve the application you can enter the following keywords My status Ceska spo itelna Following the entry into the application you will be invited to

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