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Current version (valid from: 2014.12.04)

1. and ePIN code K amp H SME Corporate Telephone Banking Service telephone banking services provided by the Bank to non natural person Clients through a telephone customer service The two customer services differ in terms of the services they provide The services available from these two customer services are described in the prevailing Announcement K amp H The eight digit numeric identification code defined in the manner described in Section 3 for the unique identification of the User when using the Banking Services Requiring Electronic Identification ePIN code The secret six digit numeric identification code defined in the manner described in Section 4 which 2692 v J o orna C PARALYMPIC TEAM member of the KBC group 1 16 1 19 K amp H together with the serves to uniquely identify the User when using the Banking Services Requiring Electronic Identification Queriable ePIN code An ePIN code issued to an SME Client to be used for the services specified in the relevant Announcement The ePIN code is not allocated to a single natural person Clients may disclose it to others at their own responsibility User name An alphanumeric identification code defined in the manner described in Section 5 for the unique identification of the User when using the K amp H e bank the K amp H e box and the K amp H mobile bank services Password An alphanumeric
2. 15 1 15 1 15 1 15 1 15 1 15 1 15 1 15 1 15 1 19 23 24 25 26 27 28 29 30 K amp H to the relevant provision and with the content corresponding to the access rights listed in the relevant Annex to the Contract shall be regarded as lawful e bank Users by the Bank Based on the information provided by the Client the Bank shall set up the e bank User s access rights and manufacture the identification device to be delivered to the relevant e bank User in person E bank Users holding a valid identification device and entering the related PIN code K amp H myID ePIN code and primary secondary SMS password shall have the right of disposal specified in the Contract over the accounts designated by the Client in the K amp H corporate e banking service The Client may use the relevant Annex to the Contract for notices concerning granting access rights to e bank Users and deleting them and modifications in user details The Client s e bank Users authorised thereto may do the same in the e banking application Each e bank User of the K amp H corporate e banking services must have at least one identification device The Bank shall enclose a PIN code to the identification device which will be delivered to the Client in a sealed envelope The Bank shall deliver the chip card and the PIN envelope only to the e bank User it shall not accept a power of attorney on delivery
3. WebElectra the web based interface of the Electra service VICA an application developed for Android and iOS operating systems which enables the user to confirm or decline the access or signatory actions initiated on the web interface while using the service Electra System The Bank s electronic system for the execution of Banking Transactions Requiring Electronic Identification available in the context of the Bank s Electra service Electra Software Any and all of the computer programs enabling the Electra User to execute Electronic Banking Transactions and thereby to use of the Bank s services Electra Software Module All of the services requested by the Client and set up by the Bank from among the ones listed in Section 13 5 10 Electronic Banking Transaction All orders and notices provided to the Bank by the Electra User directly through the application of computer communication at least partly in the form of electronic signals During Electronic Banking Transactions the Electra User substitutes their signature with personal identification coding in the form approved by the Bank or with another similar authorisation tool approved by the Bank Orders and notices provided as Electronic Banking Transactions are irrevocable and non modifiable unless agreed otherwise between the Parties Unique definitions pertaining to the K amp H e box service Identification device Token A physical storage device issued by the Bank which toge
4. an unauthorised operation in the Client s bank account statement due to which the Client requests in the case of the Electra Software the blocking of the Service or the blocking of any User The reporting of the above listed events must contain the Client s company name registered seat tax number account number the accurate definition of the event reported the name of the reporting person and a fax phone number at which the Bank can confirm the reported event as well as a declaration that the reporting person expressly requests in the case of the Electra Software the blocking of the entire Service or a specific User In the event defined in Section 9 1 b if the reporting person does not request blocking at the time of reporting the event the Bank shall proceed in accordance with the rules pertaining to complaints The Bank shall execute blocking immediately during the phone call in the case of events reported between 7 00 AM and 5 00 PM on banking days In the case of events reported on holidays and between 5 00 PM and 7 00 AM on banking days the Bank shall execute the blocking before the processing of the payment items received after 5 00 PM on the previous banking day Within one hour of the blocking but on the next banking day at the latest the Bank shall confirm the event reported and the blocking by sending a fax message to the fax number specified by the reporting person An event is considered reported if the reporting perso
5. s own responsibility to make regular back ups of the computer files containing their orders and notices If the Electra program installed on the Client s computer is damaged the Bank can only guarantee the retrieval of the saved data The Bank shall regard as valid orders only those orders that were submitted to it by the User were found formally correct by the Electra System and in terms of content fully complied with the provisions of legal regulations and of the Contract The Bank shall be entitled to debit the account in accordance with the orders that were signed using the Token or the VICA application BLOCKING THE REPORTING OBLIGATION OF USERS 15 6 27 15 6 28 15 6 29 15 6 30 15 6 31 15 6 32 Blocking in the case of Client side administration is performed by the Client or other User themselves with the help of the Electra terminal or by phone with the help of the Bank using the ePIN code In the case of Bank side administration The User shall report the following events immediately upon being informed of them by calling the phone number defined in the Contract available 24 hours a day every day of the year a access by unauthorised persons to the Token Password and b 1055 or theft of the Token c the device on which the VICA application is installed is no longer in the possession of the Electra User lost or stolen and the PIN of the application is accessed by an unauthorised person d
6. basis of the reporting and the time of reporting of this fact to the Bank shall be borne by the Client The Bank shall be liable for the damages arising after the reporting of the relevant event unless the damage arising after reporting is caused by the User themselves by an intentional or grossly negligent breach of contract If a judgment of the facts with the generally expected care suggests that a criminal act has taken place the Client or other User shall immediately report this suspicion to the authority competent for the investigation of criminal acts The blocking of the Token password is final and irrevocable The Service may not be used from the time of confirmation until the release of blocking The blocking may be released by the representative of the Client personally at the account managing branch by filling out the Form received at the branch and signing it in the corporate signature registered with the Bank The costs arising at the Bank and at the Client in relation to the blocking shall be borne by the Client LIABILITY 15 6 41 15 6 42 15 6 43 The Bank shall not be liable for the damages arising from errors in the Electra Software the inappropriate transmission of data incorrect or incomplete data or non updated information unless such damages can be proven to have occurred due to an error of the Bank Also the Bank reserves the right to interrupt the availability of the system on an occasional basis due to
7. concerning the procedures of receiving and executing Orders The Client shall honour their payment obligations to the Bank arising under these GCTC as they become due as they occur The Bank shall have the right to charge any amounts receivable from the Client to any of their accounts managed by the Bank or to offset such amounts against any amounts due to the Client on another account or from the Bank 2692 v J o orna C PARALYMPIC TEAM member of the KBC group 2 6 2 7 2 8 2 9 2 10 K amp H The Client undertakes to pass on the contents of the GCTC to the User identified by them during the use of the service Each User shall have their unique K amp H mylD which can only be used by them Users shall be bound by the obligations of the Client set out in the GCTC The User shall acknowledge the instructions given while using the service as per the following the identification procedure as their own and they shall take full responsibility for such instructions The Bank does not provide investment advice regarding orders given via Banking Services Requiring Electronic Identification thus the Bank does not consider the suitability and appropriateness of the product in question for the Client Banking Services Requiring Electronic Identification are provided in the Hungarian language The User can only give orders in other languages at their own responsibility COMPOSITION AND GRANT
8. document received about the service s used bank account statement special notice shall be regarded as written proof of the execution of such orders TERMINATION OF THE CONTRACT FOR BANKING SERVICES REQUIRING ELECTRONIC AUTHENTICATION The Contract ceases to exist a by extraordinary termination by the Bank with immediate effect b by regular termination by the Bank or the Client c mutual consent on a date agreed by the Bank and the Client d ifthe Contract for all of the Banking Services Requiring Electronic Identification used by the Client ceases to exist or e ifall bank account contracts serving as a basis for the service cease to exist for whatever reason In the event of a material breach of contract by the Client the Bank shall have the right to terminate the contract with immediate effect and at the same time to terminate the User s access right to the service extraordinary termination The Bank has the right to terminate the Contract without an explanation with a notice period of 30 calendar days regular termination The Client has the right to terminate the Contract at any time with regular termination with a notice period of 30 calendar days provided that they have complied with all of their outstanding payment obligations Upon the cessation of the Contract if a K amp H e banking service requiring chip card token authentication is set up within the framework of the Banking Services Requiring Electroni
9. exercise this right only in writing via its relationship manager The instructions of the Telephone Representative shall be accepted by the Bank until the day on which the Client terminates their access right after which only the Client shall be authorised to act via its relationship manager until a new Telephone Representative is appointed 15 6 SPECIAL PROVISIONS APPLICABLE TO ELECTRA SERVICES GENERAL PROVISIONS 15 6 1 15 6 2 15 6 3 15 6 4 15 6 5 15 6 6 15 6 7 15 6 8 15 6 9 Under the Electra service hereinafter the Service the Electra User may take the following actions electronically in the currency defined in the Announcement a submit orders and notifications to the Bank b perform bank account statement queries of their account balance and turnover c gain access to the current day foreign currency FX exchange rates of the Bank and to the FX exchange rates of the National Bank of Hungary The Electra User may perform Electronic Banking Operations for the execution of which the submission of documents by the Client or a third person and the inspection of the documents by the Bank or a third person are necessary pursuant to the Contract or legal regulations only if having fulfilled these obligations in advance For the purposes of Electronic Banking Operations performed by Electra Users the time established by the computer system of the Bank shall be regarded as the time of receipt of t
10. for a short time The Bank shall notify the e box User of the expected time of the interruption The Bank shall not be liable for damages potentially arising from such interruptions 34 wy o e o PARALYMPIC TEAM member of the KBC group
11. identification code defined in the manner described in Section 6 for the unique identification of the User when using the K amp H e bank the K amp H e box and the K amp H mobile bank services Electronic identification Identification with K amp H mylD Electronic identification without chipcard for the use of Banking Services Requiring Electronic Identification The is to be used together with the ePIN code or in the case of K amp H e banking requiring SMS authentication or in the case of the K amp H e box service the primary SMS password upon the first use Identification with a User name e bank Users K amp H e bank and e box Users must give their user name password and their primary sms password together when using the K amp H e box services with sms identification When using the K amp H mobile bank e bank Users must give their user name and password together e Identification with a chip card as identification device e bank Users may opt to identify themselves with the help of an identification device when using K amp H e banking services or jointly using K amp H e bank and K amp H e box services in which case the Bank shall provide an electronic identification device and a chip card reader to them Identification with Token as identification device For the use of the Electra service or the joint use of the Electra service and the K amp H e box service the Bank provides Electra Users with an identi
12. other component of the Software by way of disassembly decompilation or in any other manner The User shall not have the right to modify the mobile banking Software or to combine it with other Software unless expressly authorised to do so If such an authorisation exists then the User shall bear all and any risk arising from such a modification with special regard to the risk of incompatibility between the modified mobile banking Software and any hardware software or future software software version software update test diagnostic or control routine 15 3 SPECIAL PROVISIONS APPLICABLE TO K amp H TELECENTER SERVICES 15 8 1 The K amp H Telecenter is provided to natural persons using the Bank s banking services 24 J KAH o orna C PARALYMPIC TEAM member of the KBC group 15 3 2 K amp H Transactions executed via the K amp H Telecenter and their fees shall be governed by the provisions published in the Announcements concerning the bank accounts deposit accounts and term deposits of natural persons and concerning investment services and securities dealings 15 4 SPECIAL PROVISIONS APPLICABLE TO THE K amp H C GVONAL SERVICE 15 4 1 15 4 2 15 4 3 15 4 4 15 4 5 15 4 6 15 4 7 The K amp H C gvonal telephone banking service is provided with the banking services specified in the General Contracting Terms and Conditions for the Bank s account management deposit and lending servic
13. thereof and the preparation of backup copies The Bank hereby declares and warrants that the identification device and the chip card reader provided to the e bank User and the driver required for the use of the chip card reader and downloadable from the internet are free from litigation encumbrances and claims and no third parties have any rights that would limit the Client in exercising their own rights pertaining thereto or prevent them from doing so The Bank hereby declares and warrants that the identification device the chip card reader and the driver required for the chip card reader meet the specification provided by the Bank at the time of their delivery download and that they can be used normally on the specified hardware and software configuration 2692 v J o orna C PARALYMPIC TEAM member of the KBC group 15 1 15 1 15 1 15 1 15 1 15 1 15 1 15 1 15 1 15 1 15 1 The obligations of the Bank shall extend to the following a advice provided on the use of the identification device and the chip card reader and the installation of the driver for the chip card reader b troubleshooting advice c investigation of problem reports Furthermore under the warranty the Bank undertakes to replace faulty identification devices and chip card readers free of charge However if such a fault is attributable to their abnormal use by the e bank User the Bank shall char
14. unavailable to the User The Bank may charge a fee for deleting the ePIN code or password or for blocking the identification device or the VICA application The rate of this fee is quoted in the prevailing Announcement Such a report shall not authorise the Client to delay the performance of any of its obligations to the Bank The deletion of the ePIN code and or password the blocking of the identification device or of the VICA application shall be final and irrevocable the ePIN code the password the identification device and the VICA application can no longer be used with the same registration Deleted ePIN codes passwords and blocked identification devices or devices equipped with the VICA application cannot be used even if they are subsequently found The risk of deletion blocking and any damages arising therefrom from the fact that the deleted ePIN code blocked identification device or VICA application cannot be used shall be borne by the Client The Bank shall not be liable for any damages suffered by the Client or any third parties as a result of a failure to delete the ePIN code password block the identification device or VICA application or an abuse of their deletion blocking EPIN codes passwords identification devices can only be replaced and the VICA application can only be used again after applying for a new ePIN code a new password new identification device or repeatedly registering the VICA application For security reasons the Ba
15. with special regard to the risk of incompatibility between the modified Electra Software and any hardware software or future software software version software update test diagnostic or control routine 31 2692 v J o orna C PARALYMPIC TEAM member of the KBC group 15 6 52 15 6 53 15 6 54 15 6 55 15 6 56 K amp H The Bank shall grant the right of use for a period starting on the day of delivery of the Electra Software and ending when the Client terminates the use of the Service or the Contract concluded between the Parties terminates for any other reason If the Client fails to comply with any of the obligations defined in the Contract regarding the use of the Electra Software the Bank shall be entitled to immediately withdraw the right of use in respect of each item of the Electra Software without any special legal procedure The Client shall take all necessary measures in order to protect the rights of the Bank or the licensor of the Bank from violations by the Client s own employees and representatives or any other person who may have access to the documentation the Electra Software and the know how If failing to comply with the above obligation the Client shall bear full liability for all legal consequences and for the breach of the Contract including the obligation to indemnify for the damage caused The Client shall destruct the Electra Software within one day of the day of
16. 6 11 15 6 12 Clients themselves shall install the Electra service accessible on fat clients using the installation toolkit which can be downloaded from the Bank s website and an installation code sent to the Client by SMS with the help of the group code user name and Token specified in the data sheet Otherwise if the Client specifically requests administration by the Bank or requests help from the Bank having opted for administration by the Client the Electra service is installed by the Bank at the site specified by the Client for a fee defined in the Announcement If the service is installed by it the Bank shall also provide training on the use of the installed system The Client shall sign the Installation Report to confirm that the Bank has installed the Electra Software in compliance with the Contract The Electra service available via web interface WebElectra can be accessed from any computer that meets the requirements as defined in the Announcement having Internet connection No software is to be installed for using the service however in the case of identification device physically linked to the computer e g a token the driver and the browser pug in of that device must be installed The Bank may determine the browsers that can be used for the service ACCESS RIGHTS 15 6 13 The Client registers with the Bank the authorised persons in the relevant Annex along with the scope of their access rights to the Electra servi
17. Bank shall extend from sending the message from the Bank through to its arrival to the message centre of the relevant mobile network operator Irrespective of the User s liability stipulated in Section 9 1 the Bank in accordance with its statutory obligation must refuse to provide the relevant service if it discovers that the Users myID ePIN code primary secondary SMS password identification device or chip card PIN code user code or password has been lost by or stolen from the User The Bank must prohibit the provision of services requested in this manner at the time and thereafter delete the ePIN code and cancel the identification device the user name and the password and promptly notify the Client thereof in the most practicable manner in most cases by telephone or if that fails by e mail fax or post The Bank shall be entitled to refuse to execute a User s order if it does not comply with the legislative provisions in effect is incomplete incorrect or contains other incorrect data and at the same time it shall inform the User of the reason s thereof The Bank shall not be responsible for events and non performances arising from the fact that the User fails to use their identification device and chip card reader altogether or use them incorrectly or not in the environment required for their correct use Environment for correct use shall mean the tools specified in these GCTC the components of the installation prog
18. CCOUNT STATEMENT AND OTHER DOCUMENTS eene mener 18 TERMINATION OF THE CONTRACT FOR BANKING SERVICES REQUIRING ELECTRONIC AUTHENTICATION bna Re er eiie gx eu M re trieste IR eet 18 OTHER SPECIAL PROVISIONS APPLICABLE TO THE VARIOUS BANKING SERVICES REQUIRING ELECTRONIC AUTHENTICAT ION eseseeeeeerenneenene nennen nnne enne nni en rennen nsn nnns 18 2 9999 a THE HUNGARIAN 5 7 PARALYMPIC TEAM member of the KBC group K amp H K amp H Bank Zrt registered office 1095 Budapest Lechner d n fasor 9 company registration number Cg 01 10 041043 registered by Metropolitan Court as Court of Registration hereinafter Bank shall provide Banking Services Requiring Electronic Identification to its Clients in accordance with these General Contracting Terms and Conditions hereinafter BCTC The personal scope of these GCTC shall extend to all persons using Banking Services Requiring Electronic Identification as defined in Section 1 below The provisions of these GCTC shall apply Users using K amp H e banking services with an electronic identification device who signed their contracts before or on 18 September 2009 to all Users using K amp H e banking services with SMS authentication who signed their contracts before or on 18 September 2009 and who are already using such services with the new electronic identification process as per the notice sent by the Bank K amp
19. FTWARE AUTHORISATIONS Each module of the mobile banking Software is the exclusive property of the Bank Each item in the mobile banking Software and all authorised copies of the mobile banking Software are and shall remain the property of the Bank All intellectual property rights copyrights trademarks and secrets relating to the mobile banking Software are and shall remain the property of the Bank The User has no right to sell transfer publish dispose of disclose or in general make available any item or any copy of the mobile banking Software to a third party unless authorised to do so by the Bank in writing The Bank grants the User the right to use the mobile banking Software which shall be run at all times in compliance with the hardware criteria and on the operating system defined in the current Announcement The User undertakes to use the latest version of the mobile banking Software provided to them by the Bank at all times The right to use the mobile banking Software is granted to the User on a non exclusive basis and subject to a transfer ban The mobile banking Software shall be used subject to the User s liability in a manner compliant with the provisions applicable to the use of the mobile banking Software The right to use the mobile banking Software is expressly limited to the binary code delivered The User shall not attempt to reconstruct the source of the mobile banking Software or to perform reconstruction from any
20. H mylD ePIN code primary SMS password to all Clients who have used the services of the K amp H TeleCenter Retail Telephone Banking C gvonal SME Telephone Banking Corporate Customer Service Telephone Banking actively as per the definition of the Bank i e at least once since 1 January 2008 and who are now using them by way of the new electronic identification process as per the notice sent by the Bank K amp H mylD ePIN code to all Clients not using the K amp H Retail SME Corporate Telephone Banking Services actively who have switched to Banking Services Requiring Electronic Identification as per the notice sent by the Bank and who are thus using these services by way of the new electronic identification process K amp H myID ePIN code and to all Clients having signed their contracts for Banking Services Requiring Electronic Identification after 18 September 2009 o e e Stor THE HUNGARIAN 7 PARALYMPIC TEAM member of the KBC group DEFINITIONS Client Natural persons over 18 years of age or in the case of certain products over 14 years of age resident and non resident legal or unincorporated entities organisations foundations churches associations municipalities etc businesses or private individuals engaging in commercial activities that have a contract in place with the Bank for services provided by credit institutions to which the Banking Services Requiring Electronic Identification appl
21. ING OF A K amp H myID All new Users shall receive their own K amp H mylD from the Bank Natural persons may obtain their new K amp H mylD in a branch or via the K amp H TeleCenter Retail Telephone Banking Service while legal and unincorporated entities may obtain their new K amp H mylD in a branch only COMPOSITION AND GRANTING OF THE ePIN CODE All new Users shall receive their own ePIN code The ePIN code can be set up in a branch as a series of numbers determined by the User or generated in advance by the Bank in a closed system The latter ePIN code type can also be mailed to the User upon request For details see the effective Announcement COMPOSITION AND GRANTING OF THE USER NAME Each User using the K amp H e bank or K amp H e box service by sms identification after July 15 2013 shall provide upon their first login an alphanumeric user code composed of minimum 6 and maximum 15 characters by which they can later use the service If a User does not yet have a user code the user code can also be provided during the licencing procedure of the K amp H mobile bank service Users shall use the same single user code for using the K amp H e bank the K amp H e box and the K amp H mobile bank services alike Formatting requirements minimum 6 maximum 15 characters no differentiation between small and capital letters is made may contain numeric and alphabetic characters only the characters of the English alphabet are allowed of specia
22. K amp H Bank Zrt K amp H 1095 Budapest Lechner d n fasor 9 phone 36 1 328 9000 fax 36 1 328 9696 www kh hu bank kh hu GENERAL CONTRACTING TERMS AND CONDITIONS FOR BANKING SERVICES REQUIRING ELECTRONIC IDENTIFICATION Effective as of December 4 2014 o v 7 WC J PARALYMPIC TEAM member of the KBC group SE gro 59 dw 12 13 14 K amp H TABLE OF CONTENTS 4 GENERAL PROVISIONS ici epr dinde iet tert reote Ee Rd 9 COMPOSITION AND GRANTING OF A K amp H 10 COMPOSITION AND GRANTING OF THE ePIN 10 COMPOSITION AND GRANTING OF THE USER nennen 10 COMPOSITION AND GRANTING OF THE 55 10 ACCESS TO AND MODIFICATION OF BANKING SERVICES REQUIRING ELECTRONIC AUTHENTIGATIGON tet eh cade ct net e eerte ee i erede 11 PROCEDURES TO BE FOLLOWED BY THE USER ELECTRONIC AUTHENTICATION 11 GENERAL RIGHTS AND OBLIGATIONS OF THE 13 DELETION CODE PASSWORD BLOCKING OF IDENTIFICATION DEVICE 15 RULES APPLICABLE TO LIABILITY FOR DAMAGES RESULTING FROM THE DELETION OF THE ePIN CODE BLOCKING OF IDENTIFICATION enne 17 AMENDMENT OF THE TERMS OF 2 17 BANK A
23. S 15 2 1 15 2 2 15 2 3 15 2 4 15 2 5 15 2 6 15 2 7 15 2 8 15 2 9 15 2 10 GENERAL PROVISIONS The K amp H mobile banking service is available to Users who have a valid and effective contract for K amp H e banking with the Bank and have at their disposal the hardware and software necessary for using the service In the case of a Joint Account as defined in the General Contracting Terms and Conditions for Bank Account Deposit Account and Term Deposit Products Provided to Resident and Non resident Natural Persons the K amp H mobile banking service may be used by both the natural person specified as the Accountholder in the bank account agreement and by the natural person specified as the Co Accountholder If the User s contract for K amp H e banking services is terminated their ability to accessing the K amp H mobile banking service will also end LIABILITY The Bank shall not be held liable for the adequacy of the Client s own hardware peripherals or of any software installed on or connected to the same and the Bank shall accept no liability for any and all damages arising from the above The Bank shall not be held liable for damages attributable to malware spyware programs outside its information technology infrastructure Furthermore the Bank shall accept no liability for damage arising from a lack of proper protection anti virus and anti spyware software on the User s own information technology
24. SMS password and the PIN code for their identification device or the user code and the password they shall keep such records separate from any and all documents associated in any way with their bank accounts or their identification device and they shall seek to ensure that they cannot be accessed and acquired by third persons The User shall be responsible for the safe handling and the proper and lawful use of their identification device chip card reader K amp H mylD PIN codes user code and password The User shall be fully liable for any damages resulting from their failure to comply with the above fully or in part Furthermore the User shall be liable for any direct and consequential damages resulting from the incorrect use of their K amp H myID ePIN code primary secondary SMS password user code and password identification device PIN code and chip card reader or their acquisition by third persons The Bank shall accept no liability for any damages resulting from the circumstances described herein The Bank shall use all reasonable efforts in its electronic data transmission to ensure that the Client s details cannot be accessed by unauthorised persons The Client acknowledges that the Bank shall not be liable for any damages arising from data becoming accessible by a third person despite the Bank s reasonable efforts to prevent this In the case of K amp H e banking and K amp H e box services requiring SMS authentication the liability of the
25. Upon receiving the chip card the e bank User shall confirm on the receipt that they have received the PIN envelope intact E bank Users are required to use both the identification device and the PIN code to prove their authority when exercising their right of disposal in the context of using the services The Bank shall have a new identification device manufactured prior to the expiry of the existing identification device subject to the fee published in the Announcement unless the Client sends a written notice to the contrary by no later than 45 days before the expiry date of the current identification device If the Client gives such instructions later any costs resulting therefrom shall be borne by the Client When the new identification device is collected any outstanding payments must be settled and the expiring identification device must be returned to the Bank If a technical fault occurs in an identification device the e bank User may apply for a replacement card The Bank shall have the right to reject such an application without an explanation If the technical fault of the card is attributable to improper use by the e bank User the Bank shall charge the fee published in the Announcement for the replacement card The Bank reserves the right to shut down the system for short periods from time to time for maintenance purposes The Bank undertakes to inform the e bank User about the likely downtime via the system The Bank shall accept
26. User does not know the exact details its likely venue and timing If the report does not contain the User s personal identification details the Bank may disregard it and immediately inform the User thereof The Bank shall have the right to request further details related to the User and kept on file by the Bank in order to verify the User s authority for making such a report The reports shall also serve as an instruction to delete the relevant ePIN code and or password or to block the relevant identification device or the VICA application The Client shall be liable for any and all damages arising between the time the Client learns about the facts serving as a basis for the report and the time when the report is made to the Bank If the reason of the report made in order to have an ePIN code deleted or an identification device cancelled is an action assumed to have been unauthorised and discovered on a bank account statement or on the account and the User does not request the deletion or blocking when making the report the Bank shall act in accordance with the rules applicable to complaints If a reasonably careful analysis of the facts concludes that the reported event s occurred in a criminal offence the Client shall immediately report this suspicion to the relevant authorities 10 4 Other than that any third persons having discovered that the ePIN code password or identification device or the device equipped with the VICA application of their hold
27. able to Clients online i e the services available to Clients on the website of the Bank https ebank khb hu Natural person Clients must use the services themselves as they are not entitled to appoint a Permanent Proxy The available services are listed in the current Announcement K amp H mobile bank banking service provided by the Bank and available on a mobile device to clients using the K amp H e bank service e bank Users The K amp H mobile bank service can be used following authorisation on the K amp H e bank surface and downloading the related application on the mobile device A list of the services available to clients is contained in the prevailing Announcement Electra service a banking service provided by the Bank to non natural person Clients through an electronic system installed on the Client s computer or accessible via the Internet suitable for the execution of banking transactions requiring electronic identification specified in Section 13 5 10 K amp H e box service electronic bank mailbox service provided by the Bank through the internet to the Users of non natural person Clients through which Users may use the services specified in the Announcement e K amp H TeleCenter telephone banking services provided by the Bank to natural person Clients through a telephone customer service A Permanent Proxy or a Co holder may act in the Client s place or on their behalf if necessary using their personal
28. ank not to be construed as a bank card Acting as an electronic means of payment providing remote access the card and its matching PIN code allow the given User to use both the K amp H e bank service and the K amp H e box service through the internet The identification device issued by the Bank is the property of the Bank Only natural persons may hold identification devices One natural person may only have one identification device at a time Chip card PIN code a secret numeric identification code generated by the Bank during the process of chip card identification required for the use of K amp H e banking K amp H e box services The PIN code of this identification device is different from the ePIN code Primary SMS password One time password sent by the Bank to the Client in an SMS message upon login authorising the User for one login Secondary SMS password For each transaction initiated by the Client the Bank sends an SMS message to the Client containing a unique one time password at the time when a transaction s is are to be performed Electronic banking transaction Any and all queries orders and notifications given by the Client to the Bank at least partially in the form of electronic signals via direct computerised communication In electronic banking transactions the User s signature is substituted with an identification code given in the format approved by the Bank User s Manual a manual supporting the use of the e banking s
29. c Identification the User shall return the identification device and the chip card reader provided by the Bank within 15 calendar days therefrom provided that they do not use any other Banking Services Requiring Electronic Identification Any and all damages resulting from the failure of the Client to do so shall be borne by the Client If the User fails to return the chip card reader upon the cessation of the Contract or returns it late or damaged beyond reasonable wear and tear they shall pay the fee of the chip card reader to the Bank If the User fails to do so in time or at all the Bank shall be entitled to collect the fee of the chip card immediately from the Client The fee of the chip card reader is stated in the Announcement Upon the cessation of the Contract for whatever reason the access right granted to the Client and all Users under the Contract in question shall also cease to exist and consequently the Client and the Users will no longer be able to use the relevant services The cessation of the Contract for whatever reason shall not affect the other contract s of the Client with the Bank OTHER SPECIAL PROVISIONS APPLICABLE TO THE VARIOUS BANKING SERVICES REQUIRING ELECTRONIC AUTHENTICATION For the matters concerning various Banking Services Requiring Electronic Identification not regulated in this Section the general provisions of the GCTC shall apply 18 J KAH o orna C PARALYMPIC TEAM member of th
30. ce In the case of administration by the Client the access rights may cover the following query right specified for each account right to record transactions specified for each account query right for all accounts signatory right specified for each account group right defined per identifier self administration right administration of user access rights except for the signatory right over the account executive right administration of user access rights including the signatory rights over the account The above listed rights can be set on the interface enabling administration by the Client or they can be set by the Bank Exceptions to this are the executive rights which can only be set by the Bank upon the written request of the persons authorised to sign on behalf of the company The Bank is entitled to charge a fee as determined in the Announcement for any setting performed by it 27 209 wv J 4 PARALYMPIC TEAM member of the KBC group K amp H 15 6 14 Electra Users having query or other rights shall gain access to the items for which they are authorised after providing their Token passwords or if using WebElectra via the VICA application 15 6 15 Electra Users having query rights for all accounts may perform queries of every account of the Client The scope of this query right automatically extends to newly opened accounts for which the que
31. devices The Bank maintains the right to specify further requirements concerning the use of K amp H mobile banking in its relevant Announcement In mobile banking the Client shall bear sole responsibility for which person or persons they grant an access right to for using the service and what type of access they grant with what scope When electronic banking transactions are executed the Bank shall consider a User a lawful mobile banking user if the Client has registered them as such with the Bank via the K amp H e banking service Based on the information provided by the Client the Bank shall set up the mobile banking User s authorisations E bank Users having a valid user name and password shall have the signatory right defined in the e banking Contract while using the K amp H mobile banking service concerning the account designated by the Client as included in the K amp H corporate e banking service The Bank shall not be held liable for damage due to errors resulting from the improper use of the mobile banking Software the improper transmission of data wrong or incomplete data or not up to date information except if demonstrably attributable to an error by the Bank The Bank shall be obliged to restore the Client s data only if such data can be proven to have been corrupted or destroyed due to a software error caused by the Bank The Bank reserves the right to interrupt the availability of the system on an occasional basis due to sy
32. e KBC group 15 1 OTHER SPECIAL PROVISIONS APPLICABLE K amp H SERVICES 15 1 1 15 1 2 15 1 3 15 1 4 15 1 5 15 1 6 15 1 7 K amp H e banking services can be used by Clients who have the appropriate valid and effective contracts for account opening and management in place with the Bank and that have the hardware and software required for the services see the User Manual for their list In the case of a Joint Account as defined in the General Contracting Terms and Conditions for Bank Account Deposit Account and Term Deposit Products Provided to Resident and Non resident Natural Persons the K amp H e banking service may be used by both the natural person specified as the Accountholder in the bank account agreement and by the natural person specified as the Co Accountholder The e bank User must have the equipment required for the use of the K amp H e banking services and specified by the Bank and must be authorised for their use The e bank User must familiarise themselves with the technical attributes of this equipment and any other tools required for the use of the services The Bank shall provide the e bank User with the tools and equipment required for the use of the services the identification device and the chip card reader the property of the Bank and the installation guide demonstrating their use The chip card reader a Bank is the property of the Bank and the e bank User as its hold
33. e downloaded from https ebank khb hu The Bank reserves the right to update and supplement the user manual from time to time in order to improve the quality of the service and develop the applications The update of the user manual shall not constitute an amendment of the Contract under any circumstances and the Bank shall inform e box Users thereof electronically through the internet using the e box application Regarding the definition of access rights in the case of the K amp H e box service it is the Client s exclusive responsibility to determine the person or persons who are authorised to use the service For the purpose of the execution of electronic banking operations the Bank shall regard those persons as legitimate e box Users who have been reported to the Bank as such on the form provided by the Bank in the relevant Annex 33 J KAH o orna C PARALYMPIC TEAM member of the KBC group K amp H 15 7 5 Bank sets e box User authorisations on the basis of the authorisations reported by the Bank and produces the identification devices to be provided personally to the given e box Users 15 7 6 The Client may request from the Bank the cancellation of the access rights of a certain e box User or the modification of user data in writing on the form provided the relevant Annex of 15 7 7 The Bank reserves the right to interrupt the availability of the system on an occasional basis due to system maintenance
34. ed The Client shall immediately inform the Bank if the chip card reader gets damaged faulty lost or stolen and of any other events concerning the chip card reader The Client shall be liable for damages occurring in the chip card reader to the Bank as per the Announcement The e bank User shall use the chip card reader and the identification device in accordance with the installation guide provided by the Bank and to observe the requirements set out therein The Bank reserves the right to stipulate further requirements concerning the use of the chip card reader in the relevant Announcement The identification device can only be used by the e bank User and it cannot be assigned pledged as collateral or deposited as security Legal and unincorporated entity Clients must notify the Bank when its relationship with an e bank User as an e bank User is terminated E bank Users must have their ePIN code deleted and their identification device cancelled if they have no access to other Banking Services Requiring Electronic Identification In the case of K amp H corporate e banking services the Client shall decide at their sole discretion and responsibility to which person s to grant an access right and what nature content such access rights will have Only the e bank Users registered by the Client with the Bank according 20 2692 v J o orna C PARALYMPIC TEAM member of the KBC group 15 1 15 1 15 1
35. er has been lost or stolen may 15 w deco MC BANK OF o THE HUNGARIAN C PARALYMPIC TEAM member of the KBC group 10 5 10 6 10 7 10 8 10 9 K amp H report this in any of the manners listed in Section 8 2 Persons making such a report must give their personal details name address mother s name and the details of the identification device in question in a clearly identifiable way and explain how they learnt about the loss or theft If the identification device or the access via the VICA application cannot be clearly identified on the basis of the report the Bank will disregard the report and refuse the deletion cancellation Reports described herein shall also be governed by the other provisions of Section 8 The local time in Hungary as measured and recorded by the central systems of the Bank shall be used to determine the time of the report the deletion of the ePIN code and or password and the blocking of the identification device or the VICA application as well as the liability for costs risks and damages Based on the report received the Bank shall immediately proceed to implement the deletion cancellation The deletion cancellation shall come into effect when the Bank has taken the required actions in the time needed therefor Upon the deletion of the ePIN code and or password all Banking Services Requiring Electronic Identification through the ePIN code and or password shall immediately become
36. er is not in a position to do so and the person making the report can only assume this circumstance In this case the person making the report must give their personal identification details name address mother s name and must assert that they are expressly requesting the deletion of the PIN code and or password or the blocking of the identification device or the VICA application The Bank shall not examine actual authority when the report is made and it shall not be liable for any damages arising from unauthorised reports 10 3 The report shall include e If made by a natural person the User s personal identification details name address mother s name any identification number used in banking except for a bank account number If the User fails to comply with this requirement the Bank may refuse to record their report and simultaneously inform the User thereof If made by a legal or unincorporated entity the details of the legal or unincorporated entity Client name registered office and the User s personal identification details name address mother s name bank identification number When reporting such an incident in the event of the deletion or cancellation of ePIN code password primary secondary SMS password or identification device s or VICA application s PIN code due to their acquisition by an unauthorised person the event prompting the report must be specified together with its venue and timing or if the
37. er shall only be given it for use The User Manual and the installation guide for the services and the driver for the chip card reader can be downloaded from https ebank khb hu The Bank reserves the right to update and supplement the User Manual from time to time in order to improve the quality of the service The update of the User Manual shall not require the amendment of the Contract under any circumstances and the Bank shall inform e bank Users of such updates electronically using the e banking application The e bank User may collect their identification device immediately after the signature of the Contract in any branch of the Bank The Bank hereby points out to the e bank User that should it not have an identification device to give to the e bank User for reasons beyond its control it shall inform the e bank User about the date by which it will be able do so when they come to collect the identification device The Bank as the owner of the driver required for the chip card reader grants non exclusive and non unrestricted right to the e bank User to use the chip card reader Only the e bank User is authorised to use the chip card reader driver on the specified hardware and software configuration under this right for the normal use of the service in accordance with the relevant provisions This right shall not extend to reproduction reworking processing and translation including any other modifications and the reproduction of the result
38. ervice giving a detailed description of the process of executing the different transactions the content of the different functions and powers and the features of the different specifications Access right A right bestowed upon the e bank User by the Client granting the e bank User the right to execute electronic banking transactions on the Client s account specified in the relevant Annex to the Contract in line with the terms and conditions applicable to the service and in compliance with the provisions laid down in the Contract The Client grants access rights to e bank Users and determines the extent thereof in the relevant Annex to the Contract Driver The program required for the operation of the chip card reader Minimum configuration The minimum technical conditions required for the use of the service Operation in public places Operation in any places other than the places where the computer of the Bank or of the User are operated Chip card reader A technical tool required for the use of the K amp H e banking services requiring chip card identification Unique definitions pertaining to the K amp H mobile bank service mobile device device with iOS or Android operating system of the version number defined in the prevailing Announcement enabling Internet access smartphone tablet mobile banking system the Bank s electronic system suitable for the execution of Banking Transactions Requiring Electronic Identification access
39. es to businesses Clients may specify or modify the access rights of their authorised Transacting Persons in the relevant Annex to the Contract Each Querying Transacting Person can query all the accounts of the Client without restrictions or limitations However transaction orders can only be given by Transacting Persons authorised by the Client A Transacting Person can modify or terminate their own authorisation to use Banking Services Requiring Electronic Identification by phoning K amp H C gvonal to register this request The termination of a Transacting Person s authorisation to use Banking Services Requiring Electronic Identification may be requested by the Transacting Person themselves by telephone or in writing or by the Client The Client may exercise this right only by registering the request in writing with a branch administrator The Transacting Person s instructions shall be accepted by the Bank until the day on which the Client registers the request If the Client terminates all the authorisations of all the Transacting Persons then only the Client shall be authorised to act via a branch administrator until the new Transacting Person s are appointed The Transacting Person shall not have the right to transfer to others their right to dispose over an account included in the scope of the Banking Services Requiring Electronic Identification to collect bank account statements to sign amend or terminate c
40. fication device a Token In order to use the service s Users must authenticate themselves with their Token together with the matching Token password Identification with smart phone application VICA For the Electra User using the Electra service via web interface the Bank also allows for allows for identification for the Electra service with a smart phone application With the PIN provided by the application an Electra User can log in the application and authorise or decline the access or signatory requests appearing there Contract a unique Contract concluded by and between the Client and the Bank for the use of Banking Services Requiring Electronic Identification The annexes hereinafter the Annex this GCTC the General Terms and Conditions of the Bank and the relevant Announcements form an integral part of the Contract Announcement Notices displayed in the public areas and on the website of the Bank setting out the terms and conditions of using the Banking Services Requiring Electronic Identification pursuant to these GCTC Among others Announcements describe the contents of the relevant services the specification of the tools required for their use and the applicable fees and charges 2692 2 v J o orna C PARALYMPIC TEAM member of the KBC group 1 20 Unique definitions pertaining to the K amp H e banking services 1 21 Identification device chip card a plastic card issued by the B
41. g the Bank s products and services indicated in the relevant Announcements and under the terms and conditions specified in said Announcements also by using the K amp H e bank service The Client Contract and all relevant documents will only be created and accepted in an electronic form in this case and will be valid without any physical signatures Contracts made via the K amp H e bank become effective when the Bank makes the electronic form of the contract document primarily but not exclusively contract declaration on accepting the contract offer available for the User in the K amp H e bank document storage area invoices bankcards documents contracts menu option from where it can be accessed any time later on The electronic document displayed in the document storage area cannot be modified later on it can be used to check the original content of the document as recorded at the time when it was made and to identify the declarants mentioned therein and the date and time when their declarations were made Following their conclusion contracts made via the K amp H e bank can only be modified or terminated subject to the General Contracting Terms and Conditions applicable to the respective contract Contracts made using the K amp H e bank qualify as contracts made out in writing 22 J KAH o orna C PARALYMPIC TEAM member of the KBC group 15 2 SPECIAL PROVISIONS APPLICABLE K amp H MOBILE BANKING SERVICE
42. ge the fee quoted in the Announcement for this Service The warranty provided by the Bank as per the above shall not extend to the own hardware peripherals of the Client and any software installed thereon or connected thereto the Bank shall accept no liability for damages resulting therefrom The Bank shall not be held liable for damages attributable to malware spyware programs outside its information technology structure Furthermore the Bank shall accept no liability for damages arising from a lack of proper protection anti virus and anti spyware software on the User s own information technology devices and equipment The Bank shall be entitled to use the assistance of specialist third persons in order to comply with its obligations under the warranty As a condition precedent for the warranty service the Client undertakes to provide access to the identification device the chip card reader the chip card reader driver and the hardware accommodating it and to make these available to the Bank at the conditions requested by the Bank and for the duration required for the delivery of the warranty service The validity of the identification device is visibly stated on it in a month year format The identification device shall be valid until 24 00 hrs on the last day of the relevant month The e bank User shall use the chip card reader and the identification device provided by the Bank normally and shall keep them undamag
43. gin in accordance with the provisions of Section 6 8 Electronic Banking Transaction All queries orders and notices provided to the Bank by the User directly through the application of computer communication at least partly in the form of electronic signals During Electronic Banking Transactions the Electra User shall substitute their signature with a personal identification coding in the form approved by the Bank Access right The right granted by the Client to the e box User on the basis of which the e box user disposes over the account or accounts specified by the Client and is authorised to perform Electronic Banking Transactions The Client specifies the access rights of e box Users for the Bank using the form provided in the relevant Annex GENERAL PROVISIONS Clients can request Banking Services Requiring Electronic Identification in a Contract signed with the Bank for this purpose under which Users may use the banking services specified in the Announcement pertaining to the selected electronic channel using their K amp H myID The Bank issues a K amp H an ePIN code and a K amp H e bank identification device and a matching PIN code or an SMS password to be used for the services Issues not regulated in these GCTC shall be governed by the provisions of the General Terms and Conditions of the Bank and the General Contracting Terms and Conditions applicable to the services used by the User Furthermore issues not addressed herein
44. he order or the notification by the Bank In its Announcements the Bank may publish limitations on the scope and the amount of Electronic Banking Operations The Bank may allow Electra Users to perform additional Electronic Banking Operations in the future The Bank shall notify Electra Users of such changes The Bank provides Electra Users with Forms for the purpose of written notifications relating to the Service The Bank shall accept written communications by Electra Users to the Bank as valid only if submitted on these Forms Certain sub services provided to Electra Users by the Bank under the Service e g installation error fixes may also involve third party experts The bank charges for the Service are published in the relevant Announcement of the Bank Should the Contract stipulate bank charges different from the ones defined in the Announcement the rates defined in the Contract shall apply The Bank shall also notify Electra Users directly through the Electra System of any changes if the Service or any condition relating to the Service justify such notification or if the Electra User and the Bank so agreed in this regard 26 2692 v J o orna C PARALYMPIC TEAM member of the KBC group 15 6 10 THE SPECIAL FEATURES OF THE SERVICE A detailed description of the basic and supplementary services is published in the latest prevailing Announcement ELECTRA INSTALLATION AND DEPLOYMENT 15
45. he KBC group 11 12 12 1 K amp H only be released by the Bank and involves replacing it with a new card when the original card is handed in The fee payable for unblocking the chip card is quoted in the relevant Announcement Blocking of the identification device Token the Bank shall block the identification device after the Token password is entered incorrectly five times in succession The blocked Token can only be released by the Bank after an identified phone call to the Corporate Telephone Banking Service Blocking identification via the VICA application the possibility of identification via the VICA application is blocked if the wrong PIN is entered on the occasion of 5 consecutive attempts while using the application The blocking is final the possibility of identification via the VICA application becomes accessible again only after the repeated downloading registration and activation of the application RULES APPLICABLE TO LIABILITY FOR DAMAGES RESULTING FROM THE DELETION OF THE ePIN CODE BLOCKING OF IDENTIFICATION DEVICES The risk of the deletion of the ePIN code password blocking of the electronic identification device or VICA application and any damages arising therefrom shall be borne by the Client The Bank shall not be liable for any damages suffered by the Client or any third parties resulting from the failure to perform the deletion or the blocking or from any abuse related to the deletion blocking or a
46. ible in the context of the mobile banking service mobile banking software a mobile device application enabling the User to execute Electronic Banking Transactions i e to use the Bank s services 2692 2 v J o orna C PARALYMPIC TEAM member of the KBC group 1 22 1 23 K amp H Electronic Banking Transaction Any and all queries orders and notifications given by the Client to the Bank electronically electronic banking transactions the User s signature is substituted with an identification code given in the format approved by the Bank Unique definitions pertaining to the Electra service Identification device Token A physical storage device issued by the Bank which together with its matching Token password allows only the given Token holder User to use the Electra service The Token issued by the bank is the property of the Bank Only natural persons may be holders of a Token One natural person may only have one Token at a time Token password An 8 character identification code specified by the User at the time of the first login using the Token which has a dual function It shall be used on the one hand at the time of each login during the use of the Electra service and on the other hand for the approval of Electronic Banking Transactions performed in the context of the Electra service by Electra Users to whom the right of disposal was granted using the form provided in the relevant Annex
47. ies Agent A natural person identified by the Client in the Contract who can avail themselves of the services offered by the K amp H Corporate Telephone Banking Service in the manner specified in the prevailing Announcement following a successful telephone authentication Only a Client who is a resident or non resident legal or unincorporated entity organisation foundation church association municipality etc business or private individual engaging in commercial activities may have an Agent Telephone Representative A natural person identified by the Client in the Contract who liaises between the Bank and the Client in respect of the services available through the K amp H Corporate Telephone Banking Service acts on the Client s behalf and may use the services defined in the prevailing Announcement following a successful telephone authentication Only a Client that is a resident or non resident legal or unincorporated entity organisation foundation church association municipality etc business or private individual engaging in commercial activities may have a Telephone Representative The person of the Telephone Representative is not necessarily the same as the person with power of agency as defined in the relevant laws i e the legal representative Disponer A Telephone Representative identified by a Client that is An FX resident or FX non resident legal or unincorporated entity organisation foundation church association munic
48. ipality etc business or private individual engaging in commercial activities who is also granted right of disposal and is entitled to use the services requiring such right of disposal specified by the Client and defined in the prevailing Announcement following a successfully telephone authentication Transacting Person A natural person identified by the Client in the Contract who may use the services available through the K amp H SME Telephone Banking Service specified by the Client and defined in the effective Announcement following a successful telephone authentication e bank User in the case of K amp H corporate e banking services a natural person authorised by a resident or non resident legal or unincorporated entity organisation foundation church association municipality etc business or private individual client engaging in commercial activities to carry out electronic banking transactions defined in the Contract in accordance with the terms and conditions applicable to the service E bank users with different powers can be defined in the relevant Annex to the Contract The exact content of the different powers is described in the Users Manual Electra User A natural person authorised by a non natural person Client to execute banking transactions requiring electronic identification in accordance with the terms and conditions applicable for the service concerned appointed by the Client in the relevant Annex mobile ba
49. k shall set centrally in the case of Client side administration the authorisations of the first two Users in the case of Bank side administration the authorisations of the Users specified by the Client The User shall set their Token password at the time of the first registration In the case of Users having signatory rights the same code will qualify as the code required for the approval confirmation of specific orders 15 6 19 The Electra User shall ensure that no other person has access to their Token password The Bank shall not be liable for damages arising from unauthorised use 15 6 20 The User shall accept that if they enter their Token password incorrectly for five times in succession they shall automatically lose access to the Electra service thereafter 15 6 21 In the event defined in Section 13 5 20 the User shall release the blocked Token password themselves by contacting the Bank s telephone customer service the ePIN code will be required 15 6 22 The Client shall notify and consult the Bank in advance if they intend to modify their hardware or software system RECEIPT AND EXECUTION OF ORDERS 15 6 23 The deadlines for the receipt by the Bank of the Orders and the deadline for the execution thereof are specified in the Announcement 28 2692 v J o orna C PARALYMPIC TEAM member of the KBC group 15 6 24 15 6 25 15 6 26 K amp H It is the Client s User
50. l characters the underline and the dot are allowed spaces are not allowed COMPOSITION AND GRANTING OF THE PASSWORD Each User using the K amp H e bank or the K amp H e box service by sms identification after July 15 2013 shall provide upon their first login an alphanumeric password belonging to their user code described in Section 5 composed of minimum 8 and maximum 15 characters by which they can later use the service If a User does not yet have a password the password can also be given during the licensing procedure of the K amp H mobile bank service Users shall use the same single password for using the K amp H e bank the 10 o e e stor THE HUNGARIAN 5 7 PARALYMPIC TEAM member of the KBC group 7 1 7 2 7 3 7 4 8 2 8 3 8 4 8 5 K amp H box and the K amp H mobile bank services alike Users are obliged to modify their password at the intervals defined in the relevant Announcement Formatting requirements minimum 8 maximum 15 characters small and capital letters are differentiated 3 consecutive identical characters are not allowed the password cannot be the same as the user code it must contain small and capital letters alike and at least two numbers ACCESS TO AND MODIFICATION OF BANKING SERVICES REQUIRING ELECTRONIC AUTHENTICATION The Client shall specify the Banking Service s Requiring Electronic Identification they wish to use in the relevant Annex to the Contract upon
51. ly when all three codes have been entered can the User use the K amp H e box service Accessing the K amp H e box service with an identification device chip card the e bank User inserts the identification device in the chip card reader according to instructions and then keys in their PIN code The K amp H e bank and the K amp H e box services will be accessible after a successful authentication of the correctly entered code w deco MC BANK OF o THE HUNGARIAN C PARALYMPIC TEAM member of the KBC group 9 2 9 3 9 4 9 5 9 6 K amp H Accessing the K amp H e box service with an identification device Token After the insertion according to the instruction of the Token in the USB connector the e box User keys in the Token password using the keyboard The authentication is successful and the e box service is accessible after the correct entry of the Token password GENERAL RIGHTS AND OBLIGATIONS OF THE PARTIES The User shall always act during the term of the Contract signed with the Bank as can be reasonably expected in such circumstances This includes an obligation to retain their myID and ePIN code and the identification device and PIN code required for their authentication Further Users shall keep the items listed above their user code and password as well as their primary secondary SMS password confidential If the User records their K amp H myID and ePIN code or their primary secondary
52. n has provided all of the data requested by the Bank with the exception of only the tax number The blocking shall become effective when the Bank has taken the measures required for the blocking within a reasonable time 29 2692 v J o orna C PARALYMPIC TEAM member of the KBC group 15 6 33 15 6 34 15 6 35 15 6 36 15 6 37 15 6 38 15 6 39 15 6 40 K amp H necessary these measures The Bank shall record the time of reporting in accordance with the local time applied in the Bank s systems The Client shall bear the risk of blocking and all damages arising from the fact that the blocked Token password cannot be used The Bank shall assume no liability for damages suffered by either the User or by any third person due to the failure to block the Token password or the abuse of the blocking process If the damage arising from unauthorised use was not caused by the intentional behaviour or gross negligence of the User the User shall cover the damage arising before the reporting and the request for the blocking of the Token password up to a cap of HUF 45 000 The Bank shall keep a record of the events reported Upon the request of the Client the Bank shall issue a certificate of the fact that an event was reported and on the content and time of the report made retroactively for a period of maximum five years Any damages arising between the time of being informed of the fact forming the
53. nd ePIN code when using Banking Services Requiring Electronic Identification their primary secondary SMS password when using K amp H e banking or K amp H e box services requiring SMS authentication their identification device and matching PIN code when using K amp H e banking services or jointly using K amp H e banking and K amp H e box services requiring identification by an identification device and their Token and matching Token password when using the Electra service or K amp H e box service requiring identification by Token When using WebElectra electronic identification takes place by using the VICA smart phone application linked to the K amp H myID of the Electra User concerned and by providing the PIN of that application When using the K amp H mobile bank application electronic identification will require that users input their user name and password previously specified using the K amp H e bank service The handling of ePIN codes and PIN codes by the Bank is subject to strict security requirements Identification on landline or mobile telephone K amp H TeleCenter Retail Telephone Banking Service K amp H SME Telephone Banking Service and K amp H Corporate Telephone Banking Service 2692 2 v J o orna C PARALYMPIC TEAM member of the KBC group K amp H Having successfully reached the relevant telephone banking service the User must enter their K amp H myID code and their ePIN code on a touch tone or m
54. nes and computerised electronic systems The User hereby irrevocably exempts the Bank from any liability that may result from a telephone conversation being cut off repeated or distorted or from an error in the computerised system or computer network or a disruption of their operation for whatever reason 14 J KAH o orna C PARALYMPIC TEAM member of the KBC group 10 DELETION CODE PASSWORD BLOCKING OF IDENTIFICATION DEVICE 10 1 The User shall immediately report to the Bank if they discover that their ePIN code password primary secondary SMS password identification device including both the chip card and the token and the related PIN code password the device on which the VICA application is installed and the related PIN have been lost or stolen an unauthorised transaction has been initiated using their ePIN code password their identification device or VICA application 10 2 Users may make such reports in writing in any branch of the Bank or by telephone to the relevant telephone banking service all telephone banking services can be contacted twenty four hours seven days a week regarding the deletion of ePIN codes passwords and the blocking of identification devices or the VICA application Such reports can only be made by Users and ePIN codes can be deleted and chip cards can only be cancelled by the Bank The Bank will also accept such a report from another person if the relevant Us
55. nk User In the case of the K amp H mobile banking service a natural person authorised to execute electronic banking 4 lt CS e lt gt wy THE HUNGARIAN 5 7 PARALYMPIC TEAM member of the KBC group K amp H transactions according to the terms and conditions applicable to the service by a resident or non resident legal or unincorporated entity organisation foundation church association municipality etc business or private individual client engaging in commercial activities e box User A User authorised under the terms and conditions defined in the relevant Announcement by a non natural person Client to execute banking transactions requiring electronic authorisation through the K amp H e box service in accordance with the terms and conditions applicable for this service designated by the Client in the relevant Annex We differentiate between Normal Reader and Confidential Reader users The powers relating to these roles are defined in the relevant Announcement User a collective name for Clients Permanent Proxies Co holders Agents Representatives Disponers Transacting Persons Clients with a Query ePIN e bank Users mobile bank Users Electra Users and e box Users Banking Services Requiring Electronic Identification a collective name for the services provided by the Bank and defined below K amp H e banking services banking services provided by the Bank and avail
56. nk shall have the right to delete the ePIN code the password block the identification device the identification via the VICA application if the risk arising from the relevant Contract significantly changes if there are insufficient funds on the account if there are reasonable grounds for suspecting that the code has been abused or misused if the User is found to be in material breach of contract or if the contract ceases to exist The Bank shall inform the User of the above actions 10 10 The User accepts that the Bank may block or delete their ePIN code password and identification device or the identification via the VICA application in the following cases Blocking and deletion of the ePIN code the Bank shall block ePIN codes for 24 hours if it is entered incorrectly three times in succession If an ePIN code is blocked three times within 30 calendar days it shall be deleted finally and irrevocably Blocking and deletion of the password the Bank shall block passwords for 24 hours if it is entered incorrectly three times in succession If a password is entered incorrectly five times in succession it shall be deleted finally and irrevocably Blocking of the identification device chip card the Bank shall block the identification device after the chip card PIN code is entered incorrectly three times in succession The blocked chip card can 16 2692 v J o orna C PARALYMPIC TEAM member of t
57. no liability for any damages resulting from such downtimes The Bank shall send its written notices to the Client to their correspondence address registered office specified in the Contract and by email The Bank shall accept no liability for the failure of the Client to receive such written electronic notices and the damages arising therefrom E bank Users shall have the access rights to K amp H corporate e banking services specified in the relevant Annex to the Contract The extent of the right of disposal granted to the different e bank Users over the accounts involved in the K amp H corporate e banking service shall be determined by the person authorised to act on behalf of the Client under the relevant 21 2692 v J o orna C PARALYMPIC TEAM member of the KBC group 15 1 31 15 1 32 K amp H legislation If the Contract is amended the Parties shall monitor the access rights in force if an inconsistency still exists the Bank shall take into account the access rights stated in the last order OPERATION IN PUBLIC SPACES In public places the e bank User shall take care to use the chip card reader required for the service and owned by the Bank normally keeping it undamaged The operator and the e bank User shall be jointly and severally liable for any damages occurring in the chip card reader on such occasions The fee payable therefor is published in the Announcement In public places the e bank Use
58. obile telephone Once they have been successfully identified they are put through to the automated system or a Telephone Banker or a staff of the K amp H Corporate Telephone Banking Service who will assist them with the execution of their order 8 6 Online authentication for K amp H e banking services Accessing the K amp H e banking services with SMS authentication the User keys in their K amp H mylD and ePIN code using the keyboard The Bank sends the primary SMS password to their mobile phone Only when all three codes have been entered can the User use the K amp H e banking services If a User logs in for the first time after July 15 2013 they shall provide the user code and password described in sections 5 6 which shall replace the K amp H and the ePIN code all subsequent login actions Accessing K amp H e banking services with an identification device the User inserts the identification device in the chip card reader according to instructions and then keys in their PIN code The services will be accessible after a successful authentication of the correctly entered code 8 7 Authentication for the K amp H mobile banking service Login to the K amp H mobile banking service E bank Users using the K amp H mobile banking service shall provide their user code and password using the keyboard of their telephone Only when both the user code and the password have been provided can the User use the K amp H mobile banking ser
59. ontracts for services outside the scope of Banking Services Requiring Electronic Identification 15 5 SPECIAL PROVISIONS APPLICABLE TO THE K amp H CORPORATE CUSTOMER SERVICE 15 5 1 15 5 2 The K amp H Corporate Customer Service is a service provided by the Bank to Clients that are resident or non resident legal or unincorporated entities organisations foundations churches associations municipalities etc businesses or private individuals engaging in commercial activities by telephone whose scope is determined in the prevailing Announcement and particularly includes the provision of information and general help complaint management and advice concerning the corporate products of the Bank as well as taking instructions The Telephone Representative has the right to modify the authorisations of the Users allocated to the accounts of the Client The Telephone Representative has the right to terminate the relationship between the Users of the Client who had appointed them and the K amp H Corporate Customer Service 25 2692 v J o orna C PARALYMPIC TEAM member of the KBC group 15 5 3 15 5 4 K amp H The ePIN code may be deleted at the express request of its holder and in the cases defined in Section 8 4 The termination of a Telephone Representative s access rights may be initiated by the Telephone Representative themselves by telephone or in writing or by the Client The Client shall
60. or the data connection The Bank shall have no liability for damages arising from the manipulation of the data files by any person during data transmission The User shall use the Electra Software at the risk and liability of the Client and may connect the computer to the Bank s Electra System at the liability of the Client Accordingly the Bank shall not be held liable on the grounds of damage to the Client s computer or the data files stored on the Client s computer or damage to other peripherals computers software or data files connected to the Clients computer caused by the Electra Software or the Electra System or an error or breakdown of the Electra Software or the Electra System or any other damage arising from the fact that the Client is not authorised to dispose over the computer appointed for the installation of the Electra Software ELECTRA SOFTWARE AUTHORISATIONS 15 6 47 15 6 48 15 6 49 15 6 50 15 6 51 Each module of the Electra Software is the exclusive property of the licensor of the Bank and each item of the Electra Software and each authorised copy made of the Electra Software is and shall remain the property of the licensor of the Bank All intellectual property rights copyrights trademarks and secrets relating to the Electra Software are and shall remain the property of the Bank and the licensor of the Bank The Client User has no right to sell transfer publish dispose of disclose or in general make a
61. r shall use the chip card reader according to the installation guide provided by the Bank to the operator and to comply with the requirements set out therein The Bank reserves the right to stipulate further requirements concerning the use of the chip card reader by the e bank User in public places both to the operator and the e bank User The e bank User acknowledges that the operator pursuant to its legal relationship with the Bank must immediately notify the Bank about any damage or fault occurring in the chip card reader or its loss theft or any other events related thereto The Bank shall not be responsible for events and non performances arising from the improper use of the chip card reader by the e bank User The e bank User acknowledges that the operator shall covenant under its legal relationship with the Bank to make every reasonable effort to identify any unauthorised uses of the services and it shall have the system supervised by system managers twenty four hours seven days The Bank will not check the e bank User s authority to use the chip card reader or the circumstances of its use The operator shall be solely liable for any damages arising from the unauthorised use of the chip card and this liability cannot be transferred to the Bank The above provisions shall also apply if the e bank User fails to use the service with the specified banking tools required CONTRACTING USING K amp H E BANK Users can make contracts for usin
62. ram provided by the Bank and the technical environment suitable for their regular use at the time The Bank shall accept and handle the orders received via the system for Banking Services Requiring Electronic Identification and record them in its computerised system if they meet the same requirements in terms of their content as orders given in writing The recorded entry substitutes the written order and it 13 2692 v J o orna C PARALYMPIC TEAM member of the KBC group 9 7 9 8 9 9 9 10 9 11 9 12 9 13 9 14 K amp H is the equal thereof in every respect Orders received electronically may however be different from the written order in terms of data content final submission deadline execution order and fees and commissions the details of which are described in the relevant Announcement of Terms and Conditions The Client shall accept the data recorded in the system of the Bank as authentic and recognise them as evidence of both giving and executing the order in the event of a legal dispute In the case of services used according to the GCTC the User shall recognise the information provided after the authentication as their own and they shall take full liability therefor The Bank shall be entitled to refuse to execute orders if a technical error occurred during their entry and the User did not confirm the order and or its execution as a result The Bank shall not be liable for an
63. rising subsequently in connection therewith The Bank only takes responsibility for damages arising within the control of the Client following the deletion of the ePIN code password blocking of the identification device or the VICA application if the damages in question are expressly attributable to the negligent conduct of the Bank The Bank shall be exempted from liability if it successfully proves that the damages occurred due to a breach of contract wilfully committed by the User or caused by their gross negligence Any and all risks and costs associated with banking actions requiring the simultaneous use of the identification device and PIN code the VICA application and its PIN the K amp H mylD and the ePIN code and or the user code and the password and the primary secondary SMS password shall be borne by the Client as damages arising from their wilful conduct or gross negligence AMENDMENT OF THE TERMS OF CONTRACT The Bank shall expressly reserve and the Client shall acknowledge the right to supplement the provisions of the GCTC whenever new or improved services are introduced and to unilaterally amend the provisions of the GCTC in force and the terms and conditions set out in the Announcement to reflect any changes in the legislation applicable or relevant to the activities and the operating conditions of the Bank in the rulings of the Central Bank of Hungary or any other regulations binding on the Bank the Central Bank base rate or an
64. ry right of the User shall be granted automatically To modify rights Clients themselves shall set the appropriate authorisations if Client side administration is opted for In the case of administration by the Bank Clients shall request the necessary authorisations for the new account in a data sheet 15 6 16 Signatory rights shall be defined for each User with the help of a score of 1 to 10 points The Bank shall only accept the orders signed with 10 point authorisation For the submission of orders signatory rights defined for specific accounts have to be defined in the case of current accounts A non account specific signatory right shall be required at the time of the software installation in order to register the client program and also for the termination of term deposits for the confirmation of authorisations relating to direct debits and in the case of Client side administration for the registration of additional users 15 6 17 The Client shall bear responsibility for the choice of the person or persons whom they authorise to use the Electra System installed at the Client The Bank and the Electra System shall regard as authorised the persons who have been registered by the Client in the case of Client side administration or who have been reported to the Bank as such in the form provided by the Bank in the relevant Annex The user authorisation levels specified this way shall only apply to the Electra client terminal 15 6 18 The Ban
65. s on problems f delivery of updates As a precondition for the provision of the Electra Software warranty service the Client undertakes to provide access to the Electra Software and the hardware containing the Electra Software under the conditions requested by the Bank and for the time required to provide the warranty service during the entire term of the Contract The Client shall always use the latest Electra Software version provided by the Bank 32 2692 v J o orna C PARALYMPIC TEAM member of the KBC group 15 7 15 6 62 Services beyond the scope of the Electra Software warranty a solving problems arising from non contractual or non documented use of the Electra Software or negligence b regenerating the Electra Software in the cases when regeneration is necessary due to an error not attributable to the Bank c modification of the functions of the Electra Software upon the Client s request TERMINATION OF SERVICE 15 6 63 15 6 64 If the Client does not use any Electra Software Module does not log on to the Electra client program for a period of at least 12 months the Bank may delete the Electra Software Module not used from the Electra System If the Client does not use the Electra Software Module or in the case of more than one Electra Software Modules all of the modules for more than 18 months the Bank may terminate further access of the Client to the Electra System
66. shall be subject to the provisions of the Civil Code and the prevailing legislation on credit institutions investment enterprises payments and electronic payment channels In addition the User expressly confirms and accepts the provisions set out in Section 4 Data protection data handling and the provision of information of the General Terms and Conditions of the Bank and grants the Bank the powers described therein The use of the services is subject to the fees commissions and charges set out in the relevant Announcements The Bank shall be entitled to charge to the Client s account the fees commissions and charges at the time specified in the relevant Announcements The fees commissions and charges payable for the Banking Services Requiring Electronic Identification quoted in the relevant Announcements do not include the fees commissions and charges payable for the transactions effected while using the services The costs associated with the use of the tools required for the use of the Banking Services Requiring Electronic Identification telephone internet etc shall not be payable by the Bank When a User is initiating an order or executing a banking transaction the time when the service was requested shall be the time determined and recorded by the electronic system of the Bank The Bank shall execute the orders placed via the Banking Services Requiring Electronic Identification within the timeframe specified in the relevant Announcements
67. stem maintenance for short periods of time The Bank shall notify the User via the system of the expected time of the interruption The Bank shall not be liable for damage arising from such interruptions 23 i PARALYMPIC TEAM member of the KBC group 15 2 11 15 2 12 15 2 13 15 2 14 15 2 15 15 2 16 15 2 17 15 2 18 K amp H Mobile banking Users shall have access rights to the K amp H mobile banking service specified in the relevant Annex to the Contract The extent of the right of disposal granted to the different e bank Users over the accounts involved in the K amp H corporate e banking service shall be determined by the person authorised to act on behalf of the Client under the relevant legislation If the Contract is amended the Parties shall monitor the access rights in force if an inconsistency still exists the Bank shall take into account the access rights stated in the last order Users shall be liable themselves for damage resulting from the mobile device used for accessing the K amp H mobile banking service being taken away from the User or being destroyed failing or becoming unsuitable for any other reason whatsoever for using the K amp H mobile banking service INSTALLATION AND DEPLOYMENT OF K amp H MOBILE BANKING Users shall install the K amp H mobile banking service themselves from the link stated in the relevant Announcement K amp H MOBILE BANKING SO
68. system maintenance for a short time The Bank shall notify the Electra User via the system of the expected time of the interruption The Bank shall not be liable for damages potentially arising from such interruptions The Bank shall be obliged to restore the Client s data only if such data can be proven to have been corrupted or destroyed due to a software error caused by the Bank provided that the Client took measures to ensure that the data can be restored from materials stored in a format readable by the Electra System The Client shall cover all damages arising from the inappropriate use of the Tokens provided to the Users or the use of the Tokens by an unauthorised person The only exemption from this rule shall be the damages arising after the reporting of the Token or in the case of the Electra Software the Service to the Bank 30 2692 v J o orna C PARALYMPIC TEAM member of the KBC group 15 6 44 15 6 45 15 6 46 K amp H The Client shall be liable before the Bank and other collaborators for all damages arising from the fact that the orders placed by the User or the data provided by the user were inappropriate incorrect or incomplete The Bank shall not be liable for damages arising from the fact that the instruction order of the User is damaged becomes unintelligible or is accessed by unauthorised persons during data transmission due to the faulty operation or the failure of the modem
69. termination of their right of use for any reason and send a written declaration to the Bank of the destruction of the software ELECTRA SOFTWARE WARRANTY 15 6 57 15 6 58 15 6 59 15 6 60 15 6 61 The Bank warrants that the Electra Software complies with the specifications communicated by the Bank at the time of delivery and that it can be used properly on the contractual hardware and operating system In the case of installation by the Bank the Bank shall install the Electra System and train in a maximum of 2 hours one person acting on behalf of the Client to use the Electra System at the site of installation The warranty of the Bank shall not extend to the peripherals of the hardware containing the Electra Software and any hardware and software connected to the Electra Software The Client acknowledges that the Bank may use the services of third party experts for the installation of the Electra Software and the fulfilment of its obligations under the warranty The warranty service of the Electra Software covers the following a advisory service in relation to the installation of the Electra Software Module the updates and corrections provided and authorised by the Bank b advisory service for the identification of errors c advisory service for the solution of the problems arising during the installation of the updates and corrections d temporary fixes and alternative solutions e investigation of report
70. ther with its matching Token password allows only the given Token holder User to use the K amp H e box service The Token issued by the bank is the property of the Bank Only natural persons may be holders of a Token One natural person may only have one Token at a time Token password An 8 character identification code specified by the User at the time of the first login using the Token which shall be used at the time of each login during the use of the K amp H e box service Identification device Chip card a plastic card issued by the Bank not to be construed as a bank card Acting as an electronic means of payment providing remote access the card and its matching PIN code allow the given User to use both the K amp H e bank service and the K amp H e box service through the internet The identification device issued by the Bank is the property of the Bank Only natural persons may hold identification devices One natural person may only have one identification device at a time J KAH o orna C PARALYMPIC TEAM member of the KBC group 2 2 2 3 2 4 2 5 K amp H Chip card PIN code a secret numeric identification code generated by the Bank during the process of chip card identification required for the use of K amp H e banking K amp H e box services The PIN code of the chip card is different from the ePIN code Primary SMS password One time password sent by the Bank to the User in an SMS message upon lo
71. user code and the password in a specific period of time and the sum thereof The Bank shall inform the User about these limits in the relevant parts of the Announcement The User cannot withdraw any orders given via electronic identification except in the cases specified in the Announcement The Bank shall be entitled to charge to the Client s account the amounts specified in the orders given in accordance with the GCTC during the electronic identification using the Banking Services Requiring Electronic Identification The Client shall be informed about the transactions performed during the use of such services in the bank account statement or in the securities client account statement The Client shall immediately report to the Bank any unauthorised actions discovered in their bank account statement However such complaint shall not authorise the Client to delay the performance of any of its obligations to the Bank Such complaints can be made by telephone in writing sent to the addresses stated in the Announcement or in person in any branch of the Bank The Bank shall not be liable for any damages arising within the control of the operators or from the use of telephone lines private switchboards and computerised systems or the use of telephone sets or computers used by the User Furthermore the Bank shall not be liable for any damages arising from the use of intercepted information obtained by unauthorised access to telephone sets telephone li
72. vailable any item or any copy of the Electra Software to third parties unless authorised to do so by the Bank in writing The Bank grants the Client or the User the right to use the Electra Software which shall be run at all times in compliance with the hardware criteria and on the operating system defined in this GCTC The Client shall always use the latest version of the Electra Software provided by the Bank which shall either be updated online or the current updates may be downloaded from the Bank s internet portal and installed on the Client s computer The right to use the Electra Software is granted to the Client on a non exclusive basis and subject to a transfer ban The Electra Software shall be used under the Client s exclusive liability in a manner compliant with the provisions applicable to the use of the Electra Software The right to use the Electra Software is expressly limited to the binary code delivered The Client shall not attempt to reconstruct the source of the Electra Software or to perform reconstruction from any other component of the Electra Software by way of disassembly decompilation or in any other manner The Client shall not have the right to take a backup of the Electra Software The Client has no right to modify the Electra Software to combine it with other software unless expressly authorised to do so If such an authorisation exists the Client shall bear all and any risk arising from such a modification
73. vice 8 8 Authentication for Electra services After the insertion according to the instructions of the Token in the USB connector the Electra User keys in the Token password using the keyboard After the correct entry of the Token password the authentication is successful and the Electra service becomes accessible When using the WebElectra service the service also becomes accessible with the help of the VICA application installed on the smart phone by the Electra User application For using the downloaded VICA application the Electra User keys in the registration code provided by the Bank and the unique SMS code sent by the Bank once these codes are entered the application is activated In the activated application the Electra User must choose a PIN code which will have to be used in the future to start the VICA application and to validate the transactions From then on the Electra User logs in the VICA application by indicating their PIN registered earlier and confirms the identification requests appearing there 8 9 Authentication for K amp H e box services e The e bank User using K amp H e banking services may access the K amp H e box service after accessing the e bank as described in Section 8 6 Accessing the K amp H e box service with SMS authentication the e box User keys their amp and ePIN code using the keyboard The Bank sends them the primary SMS password to their mobile phone in an SMS message On
74. which shall imply automatic termination of the Contract In the case of termination of the Contract for any reason the fees commissions and charges not paid to the Bank shall become due and payable in a lump sum on the day of termination SPECIAL PROVISIONS APPLICABLE TO K amp H E BOX SERVICES 15 7 1 15 7 2 15 7 3 15 7 4 The K amp H e box service is available to the Users of the non natural person Clients that have a valid and effective contract in place with the Bank for the products defined in the relevant Announcement and have the hardware and software required for the use of the service as are listed in the user manual The e box User must have and be authorised to use the equipment defined by the Bank as necessary for the use of the K amp H e box service E box Users shall familiarize themselves with the technical attributes and the proper use of these equipment and other tools necessary for the use of the service The Bank shall not assume liability for damages arising from improper use If so requested the Bank shall provide the e box User with the identification devices and equipment required for the use of the services the property of the Bank and the installation guide demonstrating their use The identification device is the property of the Bank and the e box User as its holder shall only be given it for use The user manual and the installation guide for the services and the driver for the chip card reader can b
75. which the Bank shall grant access to the User thereto An exception to this is the K amp H mobile bank service which is only accessible to Clients also using the K amp H e bank service and its use can only be initiated in the K amp H e bank application The Bank shall provide the K amp H myID to the User after the signature of the Contract The Bank shall be entitled to withhold the mylD the ePIN code and the identification device until the Client has complied with all the terms and conditions pertaining to the requesting of the services in question or to putting the authorisation into effect and with any other terms and conditions set out in the Contract The User shall be entitled to change their personal ePIN code in the automated telephone system The PIN code of the identification device can be changed in the e banking application The User shall be responsible for their K amp H mylD and ePIN code and their identification device and matching PIN code from their receipt or creation in the system PROCEDURES TO BE FOLLOWED BY THE USER ELECTRONIC AUTHENTICATION If the User fails to comply with all the rules and requirements applicable to Electronic authentication as set out herein the Bank shall be entitled to refuse to provide the requested service Prior to their electronic identification Users can only carry out transactions which are not subject thereto according to the relevant Announcement Users must enter their K amp H mylD a
76. y other Central Bank interest rates in the opportunities for fundraising in money markets and the costs thereof in other prime costs of the Bank the consumer price index or state interest subsidies in taxes and contributions the reserve requirements or the procedures or operating processes of the Bank and in the risk associated with a service or the Client Should the Bank modify the provisions of its effective General Contracting Terms and Conditions and or relevant Announcement to the detriment of the Client it shall be obliged to display such amended General Contracting Terms and Conditions and or Announcement in its branches and to publish them on its website 30 days before the modification is to take effect Should the Client not agree with such a modification they shall have the right to terminate the contract within 30 days of the publication of the new terms or else the modification will take effect and become applicable to the Client 17 2692 v J o orna C PARALYMPIC TEAM member of the KBC group 13 13 1 13 2 14 14 1 14 2 14 3 14 4 14 5 14 6 15 BANK ACCOUNT STATEMENT AND OTHER DOCUMENTS Notices about orders given by the User in accordance with the terms and conditions of this contract shall only be sent by the Bank if specifically requested by the Client Such special notices shall be subject to a charge published in the prevailing relevant Announcements The
77. y technical errors occurring during the provision of the services or the failure of transactions resulting therefrom if such errors occurred outside the control of the Bank or cannot be attributed thereto Users must give their K amp H myID and ePIN code or their primary secondary SMS password or their chip card and their chip card PIN code and the user name and the password together to prove that they are authorised to exercise the right of disposal and to give orders using Banking Services Requiring Electronic Identification The Bank shall not check the User s authority for and the circumstances of their use of the K amp H myID and the ePIN code the user code and the password or the SMS password or the identification device and the PIN code The Bank shall not be liable for any damages arising from the unauthorised use thereof However the Client acknowledges that the Bank is entitled to check the legitimacy and authenticity of orders received through the use of these services The Client shall ensure that the funds required for the execution of their order are available at the time including any and all fees and charges applicable to the execution of such orders at the time which are due on their performance If the funds on the Client s account do not fully cover such fees and charges the Bank shall be entitled to refuse to execute the relevant order The Bank may limit the number of orders and that can be placed using the K amp H myID and the

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