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User Manual for Virtual Bank's Transaction Portal Table

1. 3 Plus BG37BGUS816502000309303 BG12BGUS5981601000309302 8 BG21BGUS81601400309301 hide BGB6BGUSS1501000309300 hide 4595 4045 hide 2 4 Statistics for Log In to the Virtual Bank As a client of the Virtual Bank you can obtain a report for your session in the Virtual Bank and the channel through which the access was made In order to obtain such a report you have to visit the section specified below 2 Plus Welcome IP 192 168 Upon clicking on that button a screen with your user details is displayed Page 59 of 99 USER SESSIONS View Sessions Address MANO Mobile ii abv bg 0594715482 Period to Channel 01 08 2014 12 08 2014 22121 BACB Plus Info center Mobile banking You have to select the respective period for the report by specifying the starting and end date as well as to specify the desired channel for the report The
2. CENA adialogue box appears providing you with the installation options where you should choose the Run add on option 73 3 EBACE Plus 7 This website wants to run the Following add on 2 1 0 2 from Microsoft Corporation If you trust the we s it to run click here e the following window pops up where you should click on the Run button Page 14 of 99 ZBACBP s 79 100 5970 Internet Explorer Security Warning e adialogue box comes up where you should choose the respective QES for registration of the active operations in the Transaction Portal Select a Certificate IVAN IVANOV IVANOV Valid From 8 1 2013 to 8 1 2014 Click here to view certificate prope IVAN IVANOV IVANOV Issuer B Trust Operational CA QES Valid From 14 12 2012 r to 14 12 20 The system will prompt you to enter the PIN code of the QES Page 15 of 99 ZBACB s E Welcome IP 192 168 5 0 PAYMENTS Microsoft Smart Card Provider Please enter your PIN Gertificates Certificate regi Issuer C BG Notary Personal SerialNumber 00 EffectiveDate ExpirationDate 5 Sign OU i Your uploaded certificate is valid you would like to register your valid qualified electronic signature QES
3. SKI VACATION BGN 0 00 2000 00 16 06 2014 300 00 10 2 50 digital safe 2000 1000 Close SKI VACATION i Current amount target Request new savings product The system loads the application for closing the target saving TARGET SAVINGS CLOSE Close target savings SKI VACATION 0 00 Additional information Heason Close target savings back save and send After reviewing the application you can send it to the Bank for processing using the Save and Send button by signing it with the QES or save it and send it in the future by using the Save button After signing the status of the application can be reviewed from the Requests menu in the Savings section Page 57 of 99 SAVINGS Sent requests GENERAL REPORT requests order no amount currency term date document state Target savings close 2000 BGN 3 monthly 12 08 2014 Sent Target savings open 2000 BGN 12 08 2014 Processed Deposit clase 0 EUR 3 monthly 12 00 2014 Processed Deposit open 500 EUR 3 monthly 12 08 2014 Processed 2 3 Editing Products The portal offers the option to visualize all your products or any one or more of them In case you have registered yourself through the Internet for using remote channels the portal by default displays all your products If the registration is done in an office of BACB you may have expressly specified which products are to be displayed b
4. Citizen Personal ID Foreigner ID Beneficiary choose an account Name Beneficiary IBAM BG09BNBG96613000173701 BIC Bank Name Type of Payment Amount Amount Currency 100 BGN Payment system BISERA Additional information Details of Payment Additional Details fee Document Type of Document Liability document number 8 Other Date E Period of Payment Period of payment up to Created 01 09 2014 17 28 23 Save as X Recurrent payment 7 Future payment Periodicity Execution Date Initial Date 7 Template 7 Template name Short name Visible for all authorised users cancel save and send 2 6 1 1 3 Direct debit The request for direct debit may be accessed through the main menu Services Direct debit DIRECT DEBIT Upon activation of this section a form is opened where you must fill in the payer s details name account number and bank recipient s details name account number and bank the amount the currency and the reason for payment The creation date is automatically filled in by the system using the current date The direct debit request can be saved as a Template or as a Future payment with a specific performance date from the Save as section at the end of the form After filling in all th
5. 39 2 2 4 SAVINGS Products SECTION 0 0 ccccsescccevsscsnnssscdsvssecevsssscesesconsssssneveusdeavescudevsserevsssccessscieevsderersesceaesscarevescressssss 47 2 2 4 1 Um mem 48 2241 BOS ERROR 48 2 2 4 1 2 Closing of deposits eeeessssssssssseeeeeeseeenn nennen nennen nennen nennen 51 2 2 4 2 SU s ULT UU Um 53 22170421 Opening target SAVE 53 2 2 4 2 2 Closing a Target Savings Product i e i ey ele Fase ko VE Co 56 2 3 EDITING PRODUCTS 58 2 4 STATISTICS FOR LOG IN TO THE VIRTUAL BANK 59 2 5 COMMUNICATIONS WITH THE BANK semi ausu 61 2 JnlomnationTrem 61 25 2 Messages BONK 63 2 9 9 COMIDUMIENTIS sec onere trae eu oiu rer v om du ba p EUR x REF 64 254 Instructions tO Tne BANK 65 2 6 PAYMENT OPERA IONS ee a EEEE E AERES 67 CW T Tm 67 2 6 1 1 E Nm 67 Hic POTERE 67 2 6 1 1 2 Transfer to the national nnne nnn esent ness nenne esas nns 70
6. ALLIANZ LEBENSVER 07 04 2014 9040 03 EUR D8779751 31 03 2014 1 83 EUR 08499588 AHRENKIEL SHIPMAN 21 01 2014 2857 84 EUR digital safe 08485577 AHRENKIEL SHIPMAN 28 01 2014 9000 00 EUR 08383300 31 12 2013 0 69 EUR 08338343 ar AHRENKIEL SHIPMAN 21 12 2013 9000 00 EUR statements 08020523 30 09 2013 147 EUR 05848530 AHRENKIEL SHIPMAN 16 08 2013 7701 41 EUR Last balances will display a list of the last 10 balances of the account together with information the respective availability and the total turnovers as of the specific date the end of the day when there was a movement in the account The total turnovers have been accumulated since the beginning of the calendar year last movements last debit movements last credit movements balance balance available total turnover debit total turnover credit daily turnover debit daily turnover credit for 1458 89 1451 39 25214202 22426 85 0 00 0 00 12 08 2014 account movements digital safe If there is no data to be displayed for the respective account the No data message will be displayed last movements last debit movements last credit movements last balances No data The vertical buttons let you receive more information about your account as well as the diagram visualizin
7. MN RR E O Xm 74 2 6 1 2 Transfer orders in foreign 75 2 6 1 3 Currency exchange 81 2 6 1 4 RPM ME EINEN NOVA MU NUN MCA RERO 85 202 WE ei IET TI M 86 2 6 3 Pending DOVIMCINS onene eiT EAE SENEE TEREE EARE 88 GT COIS d MP i mop MM ee 89 10595 m 91 2 7 Gi P 92 92 User Manual for Virtual Bank s Transaction Portal VA MEN PN 94 2 8 SPECIAL FUNCTIONALITIES ds 96 PP MENU uoo 96 PR P MEME od 0 6 eol Tm 97 Lio NV ICU 99 1 Log In and Home Page 1 1 Log Into the Transaction Portal of the Virtual Bank BECOME A 02 965 83 70 B Plus CUSTOMER bectplos ZBACBP s Username TestUser Forgotten username password Norton 27 Q g G H Plus gt Username TestUser 7 Display card password a smart thing dots forear Password Forgotten us
8. Code Street No City back save save and send The following information must completed in the application e Card type Name on the card this 15 the name of the card holder to be inscribed on the card The name the card is entered in Latin letters e Answer to a secret question mother s maiden name Account to which the debit card is to be issued e Mobile phone number so that you can receive your PIN as an SMS as the number must start with 359 e Valid e mail address e Address for the delivery of the debit card All the fields marked with gt are mandatory and must be filled in correctly At your request the application can be cancelled saved to be sent later to the Bank or signed using a QES and sent for processing by the Bank In order to see the status of the applications you have submitted please click on the Requests button All the applications are loaded in this section Page 33 of 99 CARDS 2 Requests GENERAL REPORT order document state New card 06 03 2014 Sent New card request The following application statuses can be observed e Processed e Returned e Sent e Saved Only saved applications can be edited and respectively sent for execusion 2 2 2 1 Debit cards For more information about our debit cards please refer to the product section and click on the button on the line of the chosen card This will open
9. larget monthly payment WAN USA BGN 0 00 2000 00 11 08 2014 500 00 3 2 590 You can get to the same place directly if you click on a specific deposit saving on the home page of the website 2 2 4 1 Deposits 2 2 4 1 1 Opening a deposit If you do not have Savings Products or if you want to create a new savings product please click on the Request new savings product button After clicking on this button the portal will load a list of the available products among which you can make your choice Let s take Promotional 3 month deposit for example Page 48 of 99 PRODUCT ADVISOR Choose product Choose from existing products if you already know what you are looking for Promotional 12 m Interest rate in BGN 5 50 EUR 5 10 USD 3 60 Promotional 1 m Promotional 3 m Interest rate in BGN 4 60 EUR 4 10 USD 3 0096 Promotional 6 m Interest rate in BGN 5 00 EUR 4 60 USD 3 30 Promotioanal 3m Bacb Plus Interest rate in BGN 4 90 EUR 4 40 USD 3 20 standard 12 m Interest rate in BGN 4 50 EUR 4 00 USD 3 00 standard 1 m Interest rate in BGN 2 50 EUR 2 50 USD 1 50 standard 24 m Interest rate in BGN 4 50 EUR 4 00 USD 3 00 standard 3 m Interest rate in BGN 3 50 EUR 3 00 USD 2 00 standard 6 m Interest rate in BGN 4 00 EUR 3 50 USD 2 5090 oe a OO Saving account target
10. Chose the account holder currency the account to be charged tick the box indicating that you agree to the framework agreement for the keeping and maintenance of the account and click on the Save and Send button OPENING A CURRENT ACCOUNT Opening a current account Account information Account halder Currency IVANOV 000000 Opening fees Choose account for the opening fees Agreed with Framework agreement on setti save and send Page 23 of 99 If you want to review the application you have made select Requests and click on the desired request ACCOUNTS a Active Inactive Requests 1 GENERAL REPORT c au bank client name document state onder na Current account open IVAN IVANOV IVANOV BGN 05 03 2014 sent Detailed information on the application will be displayed providing you with the option to print it 2 Opening a current account Account holder IVAN IVANOV Account for the opening fees Current account Date 05 08 2014 If you want to see more information on a specific account in the list of accounts you just have to click on the symbol on the respective line and this will take you to the information section about that account Page 24 of 99 BACBr s CE Welcome IP 192 168 PAYMENTS ACCOUNTS 2 GENERAL REPORT accounts IWAN IWANOW IWANOW reference date amoun
11. balance accounts IWANOW IVANOV BG85BGUS90000 000000000 BGN f amp 38 17 933 17 After selecting that option list of your accounts opens together with the main information regarding these amounts short name what you have given to the respective account account number IBAN currency balance availability in the account funds available balance blocked amounts permitted overdraft the amount of the overdraft to the account permitted by the bank if any the number of cards issued to that account and the account type gt 1 Welcome IP192168 0 PAYMENTS x y ACCOUNTS a Inactive Requests GENERAL REPORT account name 1 balance funds availabla overdraft allowed related cards currency type WAN IVANOV IVANOV T G BG 00BGUS90000000000000 BGN 838 17 833 17 0 00 2 Gurrent Request new account Using the Request new account button you can open a new current account Page 22 of 99 Active GENERAL REPORT accounts account name IBAN currency balance funds available overdraft allowed related cards type IWANOW IVANOV ar 4 BGOOBGUS90000000000000 BGN 830 17 833 17 0 00 2 Current Select the account type current and click on the Next button PRODUCT ADVISOR Choose product Choose from existing products if you already know what you are looking for Current account RN
12. i N gt 0 BGN GBB 304 26 59 304 26 BGN lt Hayn Oe sc After clicking on the strip all the exchange rates of the bank will be displayed divided into four columns Buy Sell Fixed Rate Date buy sell central bank date USD 1 428000 1 458000 1 443740 19 06 2014 EUR 1 950000 1 960000 1 955830 19 06 2014 2 392000 2 452000 2 422080 19 06 2014 CHF 1 589000 1 619000 1 604720 19 06 2014 The process of submission of a currency exchange request takes place in three steps e The first step is the selection of the account the amount and the currency which you want to exchange Page 82 of 99 PAYMENTS Sender load template choose an account my accounts balance available Q Current BGN BG43BGUS91601000000000 532 00 532 00 c Current EUR BG25BGUS91601000000000 1 109 90 2 450 22 Current 950 BG87BGUS91601000000000 29 14 29 14 Amount and currency Amount Currency 50 EUR e second step is to select your account where you want to receive the exchanged amount PAYMENTS Recipient choose an account My accounts balance available iw Current BGN BG4386US91000000000000 532 00 532 00 Current USD BGS87BGUSB81 29 14 29 14 Beneficiary Other beneficiary After selecting the account and filling in t
13. priority subject Read Information 06 06 2014 10 06 2012 J nea In order to see the full text of the message please click on More button MESSAGES Information from BACB Messages to BACB Instructions to BACB Compliments and complains Unread Period to Results per page 01 05 2014 19 08 2014 10 search priority subject date validity Mark as read Information 06 06 2014 10 06 2012 Previous 1 You can select messages received a certain period depending on whether they are read or unread and sort and select them by categories MESSAGES Compliments and complains Messages to BACB Instructions to BACB Information from BACB Read Read Critical Unread Warming search Information validity priority subject Read Information 06 06 2014 10 06 2012 Previous 1 J Page 62 of 99 2 5 2 Messages to the Bank In the Messages to the Bank section you can send us any kind of messages with free text which do not require signing with a QES and can be related to the products and services which you use the functionalities of the systems and their quality of operation MESSAGES Information from BACB Messages to BACB Instructions to BACB Compliments and complains Period to Results per page 19 07 2014 19 08 2014 10 search PF N number subject state c
14. _ Plus Table of Contents 1 TOGINAND HOMEPAGE wes ctor FUERIT bain cov ea 2 1 1 LOG IN TO THE TRANSACTION PORTAL OF THE VIRTUAL 2 1 2 VIRTUAL BANK S TRANSACTION PORTAL HOME PAGE sssccccsssseccccccssseccesossesscnsesessescessessecsessesscsseusesscsseseesensessess 6 2 ADMINISTRA TIVE uoi 7 2 1 DIMINIS TRATION c 7 VC RTT 7 212 CHONGING TAC DOSS WONG 9 2L Channo YOUN PN ess ects esc cvs MEME MEME IEEE E EM M ME 10 VAR MEME GC TT 10 2 1 4 1 Chane ine ME QE 10 2 1 4 2 Registering a certificate QES for active operations nnne nnne nennen nnn nnne enn 12 Bel PM 18 2 1 5 1 Signing With OTP one time password 19 2 2 PRODUCT SECTIONS C H 22 Lr ME eo Pio T UTR 22 VA EP m M eee 31 2 2 2 1 E E EREE EA E 34 2 2 2 2 I CAN e 38 LOOMS SOCIO
15. Last debit movements will only display a list of the outgoing transfers from the account last movements last credit movements last balances balance reference details date amount 07121772 4830 10 06 2014 18 92 EUR account 07121772 E 10 06 2014 0 05 EUR TIT 07114753 1 SMS A 09 06 2014 0 06 EUR 07114812 1 Gp SMS a 09 06 2014 0 06 EUR 07110156 or kapra 4880 2370 06 06 2014 204 52 EUR digital safe 07110158 no E 08 08 2014 0 81 EUR 070978937 c kapta 4880 03 06 2014 35 16 EUR 07097937 03 08 2014 0 11 EUR statements 07097242 RODOLPH M 03 08 2014 4000 00 EUR 07097242 03 06 2014 15 00 EUR Page 26 of 99 Last credit movements will only display a list of the incoming transfers to the account last movements last debit movements last balances balance reference details date amount 07033045 ar AHRENKIEL SHIPMAN 28 05 2014 7000 00 EUR 08831031 or ALLIANZ LEBENSVER 07 04 2014 5727 15 EUR ree 08831029
16. Additional information Details of Payment sale trade Anti money laundry Law declaration Origin of funds Personal savings Family savings Funds from emplayment income Savings from additional sources rent Savings from additional sources annuity Savings from additional sources work at home Savings from additional sources civil contract Savings from additional sources additional employment Funds from a sale of property motor vehicle Funds from a sale of property equipment Fund from ala nf real estate flandi cancel save and send After you are ready with the review and or editing please click on the Save and send button to send the request to the Bank The currency exchange request is saved in Pending payments and a window is displayed where you must confirm or cancel the exchange For amounts exceeding BGN 10 000 00 ten thousand you can negotiate the applicable exchange rate with the Bank If there is an exchange agreed in advance with the Bank the client must fill that in during the last step the Edit screen by clicking on the Agreed Exchange Rate box and entering the respective value in the Exchange Rate box If the amount is below 10 000 00 ten thousand the following error message will be displayed in red Currency exchange orders at Agreed Exchange Rates are only accepted for amounts exceeding 10 000 EUR or their equivalence 2 6 1 4 Future payme
17. Additional information Reason Close account save and send Page 30 of 99 An application is completed with the following information account selected for closing e the account to which you want to transfer the available balance e the account which you will charge for the payment with the respective closing fees and commissions e reason field You can cancel an application save it and send it for processing by the Bank later or sign it using a QES and send it for processing by the Bank 2 2 2 Cards section You can access the cards section from the main menu Funds gt Cards 2 Welcome IP 192 168 50 funds available WAN IVANOV IVANOV BG60BGUS91601002163503 BGN 1 993 60 1 508 76 number MAN IVANOV IVANOV VISA GOLD Revolving Credit BGN 4598 1346 10 2015 0 00 VISA VPAY Debit BGN 4880 0572 07 2018 1 508 76 After you choose this section a list of all registered debit cards and credit cards is displayed together with the following information Currency e Number e Expiry date month and year e Card holder name of the account holder The following additional information is available for the debit cards e Overdraft allowed the amount up to which you are allowed to use a credit granted by the Bank to the current account to which the card has been issued and which is utilized and repaid dynamically e The availability is the amount
18. MANOV 08 08 2014 08 08 2014 15 15 BGN 4 In leva BBGUSS18010000000D0 BG07BGUSS1801000000000 08 08 2014 08 08 2014 254 00 BGN 7 Card repayment BG81BGUS9160100D000000 MAMO 01 08 2014 01 08 2014 10 00 Card repayment BG81BGU5981501000000000 BG07BGUS916010000000D0 01 08 2014 01 08 2014 10 00 BGN send delete 2 6 4 Standing payments The information on your regular payments is accessible through the main menu Payments Standing CREATE NEW PI FUNDS SERVICES TRANSFERS When you access this section the system displays a list of the registered regular payments and various options TRANSFERS 2 type short name to openning date amount periodicity state Currency exchange trip 21 09 2014 23400 EUR 1 month Active p pn Page 89 of 99 Creation A regular payment can be created using the New button at the end of the list of regular payments A regular payment is created similarly to the creation of a transfer Each of your transfers can be saved as a regular payment whether in BGN in BGN to the national budget in foreign currency or as currency exchange You must mark the Recurrent payment field in the Save as section at the end of the transfer form and specify the name familiar to you the periods of the payment the period in which the payment is to be effected every 1 3 6 9 12 months and the starting date if yo
19. form please click on the Next button which will take you to the second step Here you are prompted to select the beneficiary of the payment recipient as you can use a list of pre defined benficiaries PAYMENTS Recipient choose an account My accounts balance available w Current BGN BG43BGUS81000000000000 532 00 532 00 Current 150 BG87BGUS81000000000000 29 14 29 14 Beneficiary Other beneficiary If you do not use a pre defined beneficiary in the Other beneficiary menu you can fill in the details of the recipient name address IBAN country BIC SWIFT of the recipient s bank recipient Bank s name All this data must be completed in Latin letters Page 76 of 99 PAYMENTS Recipient choose an account My accounts Beneficiary Other beneficiary Account abroad Beneficary Mame ABCD Address NEWARK Account number lBAN GB38BARC2Z0500D000D40000 Country UNITED KINGDOM Beneficiary s bank BIC code Bank code 22 Bank name Branch Barclays Bank City Country Address BIC SWIFT code of comespondent bank All the fields marked with are mandatory as well as the following combinations one of which you must specify for the recipient s bank e BIC name of the bank Name ofthe bank city After you fill in accurately all the recipient s details please click on the Next button to continue with ordering the foreign currency transfer In th
20. please select the certificate from In arder to be able to send payments using QES in Internet Explorer you need to install CAPICOM Latest version can be downloaded from here e After entering the PIN code the application for the registration of the QES must be confirmed and sent to the Bank ZBACB Welcome IP 192 168 2 0 Certificates The selected certificate is CN Obsht Testov KEP O BAKB L Sofia Are you sure In order to be able to send payments using QES in Internet Explorer you need to install CAPICOM Latest version can be downloaded from here CAPICOM e The registration will be approved within a single business day Meanwhile the system displays a message that the certificate is waiting for approval by Bank s administrator Page 16 of 99 ZBACBP s ua Welcome 192168 12 4 7 4 y y 7 FUNDS TOOLS SERVICES j f CERTIFICATES a Certificates Your certificate waits for bank administrator approval In order to be able to send payments using QES in Internet Explorer you need to install CAPICOM Latest version can be downloaded from here CAPICOM After the certificate is confirmed by an employee of BACB you will see the details of the QES approved for active operations after Log In in the Certificates section CERTIFICATES Gertificates Certificate reqistered in databaze Issuer
21. 42 of 99 CREATE NEW VIRTUAL CREDIT REQUEST 2 PERSONAL INFORMATION 2 2 0 Name Name IVAN IVANOV IVANOV Personal ID number Identity card number Date of issue Issued by Age 3B Country City Postal code BULGARIA Address Country City Postal code 7 Same as permanent address BULGARIA Address Country City Postal code E Same as permanent address BULGARIA El Same as current address Address How long have You lived at Your current address months Phone number Mobile phone number Work phone Fill in home phone or mobile number e mail Work e mail Fax Fill in personal or work e mail On the next step you are prompted to fill in the data of your current job the type of your employment agreement the official income as well as all other income sources if any You must select the current account where you want to receive the loan If you do not have such an account or if you want to open a new account you can state that by ticking the checkbox I want to open a new checking account in leva If you have another type of loan you must click on the button in the Current liabilities s
22. Create new target saving Target ski vacation From account BG 5BGUS91600000000000 BGN 2035 71 Specify target amount 2000 BGN Monthly payment 400 Day of the month to transfer money gt second day of the month to transfer money After specifying the parameters of your target savings product you must check the Agreed with the contract box By clicking on the respective link you can load and read the agreement All the fields marked with an asterisk are mandatory If you fail to complete any of these fields the respective field is highlighted red and the message Field is required is displayed as well as the error message The data you have entered in the marked fields is incorrect Please check them again After you have completed all the mandatory fields in the respective application form you are presented with two options e The Save and Send Button saves and sends the application as the system requests it to be signed with a QES e The Save button saves the application as you can confirm it in the future After saving or signing the status of the application can be seen in the Requests menu of the Savings section Page 55 of 99 SAVINGS requests document state order amount currency term date Target savings open 2000 BGN 29 08 7014 Sent Deposit apen 3000 EUR 3 monthly 29 08 2014 Processed Deposit close 0 EUR 12 monthly 29 08
23. number expiry date available IVAN IVANOV IVANOV ACCOUNTS VISA VPAY CodeSure Debit BGN 0000 0000 04 2017 1 00 VISA VPAY Debit BGN 0000 0000 10 2017 1 00 PETAR PETROV PETROV LOANS 0000 0000 03 2016 500 00 VISA VPAY Debit BGN 0000 0000 10 2017 488 30 VISA VPAY CodeSure Debit BGN 0000 0000 04 2017 488 30 savings accounts openning date balance interest rate IVAN IVANOV IVANOV ACCOUNTS BG11BGUS91602000470209 BGN 16 01 2014 517 02 4 60 96 LOANS amount next installment amount next installment date IVAN IVANOV IVANOV 000298 06 EUR 63 000 00 414 18 14 06 2014 ACCOUNTS 000298 09 EUR 48 700 00 1 368 97 14 06 2014 LOANS reference details date amount BG51BGUS91601000000 000 07111977 06 06 2014 100 00 BG51BGUS91601000000 000 07111973 Brocka or 06 06 2014 0 75 BGN BG51BGUS91601000000 000 07111056 COT DSC 10000080 06 06 2014 19 56 BGN BGS1BGUS91601000000 000 07108549 c kapra 4880 2893 06 06 2014 100 00 BG51BGUS91601000000 000 07107086 0888976989 05 06 2014 20 68 BGN Available Pending transfers Available balance Savings total 600 400 200 0 BGN Availabl Avsilabie EN 517 02 517 02 BGN e Pending transfers 487 30 BGN Page 6 of 99 The prod
24. removed Page 35 of 99 Using the predefined filters you can specify the period of the report and the number of the results to be displayed CARD AUTHORIZATIONS 0000 0000 For Today Month to date Year to date Periad 01 04 2014 07 08 2014 State Results per page 10 Sea original amount in card date device merchant amount currency operation type state 29 04 2014 SOFIA SLAVIANSKA amp SOFIA 12 54 50 00282102 BG 50 00 BGN 50 00 ATM pending 29 04 2014 SOFIA SLAVIANSKA SOFIA 00 00 00 D0282102 BG 50 00 BGN 50 00 BGN ATM pending The Account movements button will display a list of the last 10 outgoing and incoming transfers from to the respective account The Account statement button takes you to the section where you can specify the necessary period for displaying statements for the respective current account to which the debit card is issued If there are no statements for the respective period Available message is displayed The Card details opens a dialogue box with information about the card Number of the account to which the debit card is issued Card number Name of the cardholder Name of the holder Name as displayed on the card Card limits for withdrawing cash for single transaction 24 hour period and weekly Card limits for payments for single transaction 24 hour per
25. 00 BGN In foreign currency 1 25 EUR Currency exchange 1 15 EUR In foreign currency 15002 00 In leva 25400 BGN In foreign currency 1 25 EUR This functionality displays information in the form of a calendar of all your outgoing payments in the specific month as the different types of payments are color coded e Registered utility payments blue e Ordered standing payments green e Pending payments for future dates orange e Pending payments without a specified date purple these are displayed below the calendar Page 96 of 99 All the already performed payments are marked with v lt August2014 gt w paid utilities standing pending 28 29 20 21 1 2 2 1 00 BGN 35020 00 EUR 3 payments 4 5 6 T 8 9 10 35000 00 USD 23 23 200 00 EUR 100 00 EUR 71000 00 EUR 2 payments 4 payments 11 12 13 14 15 16 17 1 00 BGN 100 00 EUR imme 10 00 EUR 2 payments 18 19 20 15 August 2014 Friday 22 24 11 00 BGN a Inforeign currency 10 00 EUR 1 payment In leva 1 00 BGN 25 26 27 total paid 1 00 BGN 30 31 25 00 BGH total pending 10 00 EUR 1 payment Go to payments If you place the pointer on an individual cell a list of payments for that day is displayed indicating their respective individual values and total amounts by type If you click on the Go to payments you will be taken to the Pending payments section 2 8 2 Product advisor The product advisor can be accesse
26. a foreign currency you are required to fill in a statistical form Page 80 of 99 Anti money laundry Law declaration Origin of funds Personal savings Abroad payment declaration instructions Your payment order will only be executed after the Bank has received by fax 02 9444473 or e mail paymenteiibact bg the required document attachments Declaration under art 2 par 1 from The Ordinance on Documents presented to the Providers of Payment Services about Crosz border Transfers and Payments fo a third party The Ordinance Declaration must be filled in for Cross border Transfers and Payments fo a third pany that amount to 30 000 BGN ar ifs currency equivalent Section order transfer payment to a third country for 55000 EUR ents under 2 par 2 from The Ordinance certifiing fne execution of fne cross word s border transfer or payment to party which repi Corporate income Tax Act lam informed about the coming responsibility under art 313 from CC for providing of false infomation SSeS ju Income aaie under am 37 and 58 irom Rie Ines of natural persons Act or under 194 and 195 form me Information for the statistic Fill in if iniemationa payment order or between resident and non resident for 700 000 leva or greater amounts Ordering customer Data Beneficiary Data local party foreign party e local party e foreign party Ordering customer Co
27. amount and currency of the deposit type starting and maturity dates period interest 96 applicable when interests are accrued on the amount of the deposit on its maturity date penalty interest applicable in case of early termination of the deposit Savings currency balance the amount accumulated so far objective the final amount of the saving the amount of the installment installment date interest 96 applicable when the objective is reached and the specific saving is closed Page 47 of 99 SAVINGS 2 rnaturity term interest rate penalty interest rate deposit type IVAN IVANOV IVANOV BG37BGUSS1D00000000000 2 BGN 5000 00 BACB Plus 25 03 2014 26 06 2014 3 4 90 0 20 Savings accounts interest rate day of month balance target monthly payment IVAN IVANOV IVANOV c USA BGN 0 00 2000 00 11 08 2014 500 00 3 2 90 Request new savings product If you need more information on a specific deposit saving you just have to click on the symbol on the respective line and this will take you to the information section about the respective product SAVINGS amount deposit type of matunty iem interest rate penalty interest rate IVAN IVANOV IVANOV BG37BGUSs1000000000000 4 BGN 5000 00 Plus 26 032014 28062014 3 4 90 020 savings accounts mies rade
28. and want to allow it to run click here BACB Plus fii e This website wants to run the Following add on CAPICOM 2 1 0 2 from Microsoft Corporation IF you trust the website and the add on and want to allow it to run click here gt FSi i IP 79 100 20 N A Eg 2 OB 1 1 00 BGN Message from webpage xj CyMa not error occurred when attempting to sign the content the error was Automation server cant create object X 100 Z gt oT d J 7 When you click the message a second message is displayed Invalid Certificate Page 13 of 99 02 9658 370 Gh Message from webpage NEN After clicking OK on that message you must complete the installation of CAPICOM which goes through several steps e Click on the notification highlighted in yellow which starts the installation process e This website wants to run the following add on CAPICOM 2 1 0 2 From Microsoft Corporation IF you trust the website and the add on and want to allow it to run click here A Plus
29. client Sent the document has been sent to the Bank but it has not yet been processed by the Bank Whether the document has been accepted for processing and waiting second control or is queued Recorded the document has been processed by the Bank i e client s instructions have been executed and the his her account has been charged We always show reference Final status Returned the document has been rejected by the Bank and it will not be executed The rejection is accompanied by a description of the respective reason for the rejection Final status Page 91 of 99 2 7 Other services 2 7 1 Beneficiaries The Beneficiaries section is accessible through the main menu Services DIRECT DEBT mum Creation After you enter the Beneficiaries section select the New button to create a new record gt the next screen you should enter the name and address of the Beneficiary If you have authorized users for your accounts you can use the Visible for all authorized persons button to choose whether they are to see the Beneficiary when creating a new transfer Here only Beneficiary s name is mandatory If you fail to fill that in an error message will be displayed and the field will be highlighted red Mame Address Petar Petrov Slavyanska 2 Visible for all authorised users There is no added accounts Add account Cancel Save beneficiary After filling in
30. must confirm that from the icon If you want to cancel the change please select The information section for each account has four horizontal buttons with reference information related to the specific account last movements last debit movements last credit movements last balances If you choose one of these statements a table is displayed with information The last movements will display the last 10 outgoing and incoming movements in the respective account last debit movements last credit movements last balances balance reference details date amount 0r121772 c 4880 10 06 2014 18 92 EUR account 07121772 E 10 08 2014 0 05 EUR E 07114753 1 5 5 09 06 2014 0 06 EUR 07114812 1 SMS A 09 06 2014 0 08 EUR 07110158 kapra 4880 2370 06 06 2014 204 52 EUR digital safe 07110158 06 06 2014 0 61 EUR 0709793 kapra 4880 03 06 2014 35 16 EUR 0709793 03 06 2014 0 11 EUR statements 07087242 RODOLFH 03 08 2014 4000 00 EUR 07097242 03 06 2014 15 00 EUR
31. of displayed results The dialogue boxes may be closed using the symbol in the upper right corner The other two vertical buttons take you to the sub pages of the Transaction Portal containing detailed information e Digital Safe where all the electronically signed documents are stored Page 28 of 99 DIGITAL SAFE Account statement BG95BGUS91600000000000 Period to Results per page 01 08 2014 28 08 2014 10 search Displaying 1 results filtered by period 01 05 2014 28 08 2014 date name type 11 06 2014 BGS95BGUSS16500000000000 20140601 20140630 pdf Previous 4 Next e Statements takes you to a page where you can request the respective period for the display of the account statement The system displays all the available statements for the respective period as the statements for individuals are monthly and generated once at the end of each month The corporate statements are generated ona daily basis By clicking on either of them you can download that statement and open it on your screen If there are no statements for the desired period regarding the selected bank account the No data message is displayed Page 29 of 99 E pu 00000 No STATEMENT OF ACCOUNT No BG07BGUS91601480038800 BAIIYTAICURRENCY EUR O
32. registered you must make sure that the reader is connected to your computer and to have previously installed the software required for the operation of the QES provided by the Certifying Service Provider On the page that is opened for the registration of the QES you must click on the Here button in order to start the registration procedure After you activate the Here button and with a previously activated QES the system displays a dialogue box allowing the user to select a QES Page 12 of 99 CERTIFICATES Gertificates Certificate registered in database Issuer CN BAKB CA DC bakb DC bq SerialNumber 491C7A6DO00000000000C ErrectiveDate 6 23 2014 2 19 37 EzxpirationDate 6 23 2015 2 29 37 Your uploaded certificate is valid If you would like to register your valid qualified electronic signature OES please select the certificate from In order to be able to send payments using QES in Internet Explorer you need to install CAPICOM Latest version can be downloaded from here CAPICOM If you are using Internet Explorer you must have CAPICOM installed Otherwise the following message is displayed An error occurred when attempting to sign content the error was Automation server can t create object Also the heading of the browser displays the message This website wants to run on the following add on CAPICOM 2 1 2 from Microsoft Corporation If you trust the website and the add on
33. s website when you make purchases on the Internet BUTTON 9 bank ID Used for mutual identification between a bank employee and a client on the phone You can use that if you are in doubt that a call originates from the Bank Select the bank ID mode by pressing BUTTON 9 During the identification process the bank employee will request from you to provide your full name if you have initiated the call and the first 4 and the last 4 digits of the number of your display card based on which the bank employee will verify your identity in the Bank s system After that the bank employee will provide you with an 8 digit code which you should enter into the display card If it is valid the card will display VERIFIED This is evidence that you are speaking with a legitimated bank employee Immediately after that the card will prompt you to enter your 4 digit PIN which you use for payments at POS and ATM withdrawals Upon entering the respective PIN the card displays the response an 8 digit code response code which is to be disclosed to the bank employee By that the bank employee will identify you and you will be able to continue your telephone conversation Page 21 of 99 2 2 Product sections You can access the product sections through the home page or the menus 2 2 1 Accounts Section The Accounts Section can be accessed from the main menu Funds gt Accounts ZBACB wm Saree we funds available
34. the Next button PRODUCT ADVISOR Choose product Choose from existing products if you already know what you are looking for Promotional 12 m Interest rate in BGN 5 5095 EUR 5 1055 USD 3 8095 Promotional 1 m Promotional 3 m Interest rate in BGN 4 60 EUR 4 10 USD 3 00 Promotional 6 m Interest rate in BGN 5 00 EUR 4 60 USD 3 30 Promotioanal 3m Plus Interest rate in BGN 4 90 EUR 4 40 USD 3 20 Standard 12 m Interest rate in BGN 4 50 EUR 4 00 USD 3 00 Standard 1 m Interest rate in BGN 2 50 EUR 2 50 USD 1 50 Standard 24 m Interest rate in BGN 4 50 EUR 4 00 USD 3 00 Standard 3 m Interest rate in BGN 3 50 EUR 3 00 USD 2 0056 Standard 6 m Interest rate in BGN 4 00 EUR 3 50 USD 2 5056 Saving account target saving money 0000000000 am not sure want an advice MN Page 54 of 99 After selecting your savings product please click on the Next button to continue with your application The system loads a screen where you specify your target savings product There you choose the name of the purpose the account to be used for replenishing the target savings product the target amount the amount of the installment to be applied for the replenishment of the target saving and choose one or two dates on which the funds are to be transferred to your savings product every month TARGET SAVINGS OPEN
35. which you have to enter in the Password box in order to log in to the Virtual Bank You can then continue by clicking on the Log in button ZBA Usemame TestUser Display card password a smart thing dots a forearm Login iz possible only with the display card that is currently selected as yaur authorization device Password by Symantec All transactions are protected by 128 bit SSL encryption login One or more individual users may be registered for each client to have access to that client s accounts as each individual user may have different access rights The Virtual Bank s transaction website allows a single user to have access to the accounts of different clients using one and the same user name On the next step you can choose which clients you want to access during your current log in to the Virtual Bank Page 3 of 99 ZBACB If you are corporate customer or a small business If you are a corporate customer or a small business customer and have individual corporate and or budget customer and have individual corporate and or budget accounts you can enter either in e Banking for accounts you can enter either in e Banking for individuals or in e Banking for corporate by clicking the individuals or in e Banking for corporate by clicking the corresponding button below corresponding button below comporte individual corporate
36. yet can be edited deleted or sent from the Requests section of the Savings menu SAVINGS GENERAL REPORT Active Closed Requests Sent requests order no amount ter date document state Deposit open 3 monthly 29 08 2014 2 2 4 2 Target savings 2 2 4 2 1 Opening a target saving The target saving enables you to save money for a specific purpose as you can also specify a specific target amount which you want to reach Upon reaching the target the specified interest rate is added to that amount and the funds are transferred to your current account You can access your savings through the Savings menu in the Funds section In order to create new target saving please click on the Request new savings product button Page 53 of 99 ACCOUNTS PAYMENTS TOOLS SERVICES SAVINGS 2 LIEN o GENERAL REPORT deposits amount deposit type as of maturity interest rate penalty interest rate IVAMOV IVANOV BGTIBGUSS160D000000000 4 EUR 3000 00 22 06 2014 22 09 2014 3 3 30 56 0 20 Savings accounts balance target as of monthly payment day of month interest rate IWANOW IVANOV BGN 2001 04 20000 00 18 02 2014 500 00 1 250 Request new savings product After clicking on that button the portal loads a list of possible products from which you should choose Saving account target savings and click on
37. 014 e 00061322 BACE ATM 081322 SOFIA BG 50 00 BGN 50 00 proved 12 03 00 ATM Iu 12 01 2014 93917433 KAUFLAND gt SOFIA BG 43 09 BGN 4309 GN ANAHE HB approved 15 14 14 Nnm 11 01 2014 FANTASTICO K1 23990719 36 12 BGM 36 12 BGN approved 16 33 08 BG 11 01 2014 KOME OWVCHA KUPEL 1 SOFIA 5411203 45 886 BGN 45 88 BGN ved 15 38 29 BG uso 10 01 2014 00061322 BACB 061322 SOFIA BG 300 00 BGN 300 00 BGN pao UT approved The horizontal buttons provide detailed reference information related to the account to which the specific card has been issued card details account movements account statement Upon choosing one of these card reports a table is displayed with information Card Authorizations button opens a dialogue box with information on the card authorizations which are displayed in the system immediately after the finalization of the transactions These are all the latest transactions involving the respective card as the following statuses may be displayed Approved the amount is recorded under client s account i e the respective money has actually been removed from his her account Pending the amount is just blocked in the account but has not actually been charged
38. 2014 Processed Request new savings product From that menu you can also edit delete or confirm an already saved application which has not been sent to the Bank SAVINGS Requests Sent requests GENERAL REPORT requests Target savings open 2000 USD 29 08 2014 Deposit open 1000 BGM 3 monthly 29 08 2014 Saved 2 2 4 2 2 Closing a Target Savings Product You can access your savings through the Savings menu in the Funds section After that choose the target saving which you want to close from the displayed list and open its details using the button SAVINGS penalty interest rate IVAN BG37BGUSS1000000000000 G BGH 5000 00 BACE Plus 26 03 2014 26 06 2014 3 4 90 005 VAN USA BGH 0 00 2000 00 11 08 2014 EDO 00 3 2 50 36 0 lt a Page 56 of 99 This will open a screen where you have different options one of them is its closing using the Close button SAVINGS Senis MILENA ZLATANOVA ZLATANOVA GENERAL REPORT amount deposit type as of maturity term interest rate penalty interest rate BG37BGUss1602000309303 4 BGN 5000 00 BACB Plus Bb 26 03 2014 25 06 2014 3 4 90 96 0 20 savings accounts interest rate monthly payment day of month MILENA ZLATANOVA ZLATANOVA RES RES
39. 611169550 Citizen Personal ID Foreigner ID Beneficiary Type of Payment Additional information Details of Payment Additional Details Document Type of Document Liability document number Other Date Pernod of Payment Pernod of payment up to After filling in all the details please press the Next button All the fields marked with are mandatory and if you fail to fill them in an error message will be displayed On the fourth step you can review and if necessary edit the transfer details liable person recipient name and account amount type number date and period of the document payment system The payment system may be BISERA standard payment system where the payment is made within the day for transfers sent for processing by 3 00 p m or by the next day for transfers sent for processing after 3 00 p m RINGS express payment system where the payment takes place within 2 hours The price of this service is higher than Bisera and it is in accordance with the current tariff of the Bank After filling in and or editing the document you will only be able to save it for subsequent sending or to save and send it for processing by the Bank Page 72 of 99 PAYMENTS Preview Ordering customer Name Ordering customer IBAN BG07BGUS91600000 Type of Payment Obliged Person Tax Payer BULSTAT
40. DC bakb DC bq SerialNumber 491 6000000000000 EffectiveDate 6 23 2014 2 19 37 ExpirationDate 6 23 2015 2 29 37 PM Your uploaded certificate is valid If you would like to register your valid qualified electronic signature QES please select the certificate from here In order to be able to send payments using QES in Internet Explorer you need to install CAPICOM Latest version can be downloaded from here CAPICOM The approved QES is displayed with information regarding its details If your QES expires or is stolen and then it is re issued it must be registered again in the Transaction Portal as detailed above The electronic signatures operate with certain specificities in the different operating systems and browsers You can find detailed information in the table below Page 17 of 99 Operating system Apple Mac Apple Mac Windows XP Windows Windows XP Windows Vista Windows 7 Windows 7 Windows 7 Android IOS 2 1 5 Security tool Browser Safari 56 Mozilla Thunderbird Internet Explorer Google chrome Mozilla Firefox Internet Explorer Internet Explorer Google Chrome Mozilla Firefox App App X x lt lt lt lt The Security Tool serves for identification and authorization of active operations in the portal It may be a certificate QES or OTP through a display card Only one active signing tool can be present on the Virtu
41. KO OF 93990721 81 88 BGM 81 98 BGH Ae proved 09 01 38 SOFIYABG New card request The horizontal buttons produce the relevant reports for the credit cards card details card authorizations card movements card statement Using the Card Authorization button you can see all the transactions made with the card and their respective status Using the Card movements button you can see all the transactions made and recorded as well as the respective fees and amounts received through the card Using the Card Statement button you can see your statements the card statements are monthly Using the Card Details button you can see the IBAN of the account card number the name of the account holder the name of the card holder the interest rates and the card limits The vertical buttons either open a dialogue box or take you to another section on the website and they have the following functions e Change card parameters Upon clicking on the Change card parameters button a form is opened where you can change the parameters related to your Credit Card the answer to the secret question the mobile phone number SMS notification e mail address e Change limits Using this button you can reduce the card limits Digital Safe Page 38 of 99 This button takes you to the section where are stored all the electronic
42. Search button activates the generation of the respective report with information on the Log In date and time the action you have performed and the IP address you have used to log in The Details button provides more information on the specific action USER SESSIONS View Sessions Mame Address MAN MANO MANO E mail Mobile 0894715482 Period to Channel 01 06 2014 12 08 2014 BACB Plus Displaying 129 results filtered by period 01 06 2014 12 08 2014 y N A session start last action ip channel 11 08 2014 17 03 12 08 2014 15 33 192 168 20 240 BACB Plus Details 06 03 2014 10 02 08 08 2014 15 36 182 168 20 240 BACB Plus Details 05 05 2014 13 47 08 08 2014 13 47 182 168 252 234 BACB Plus Details 05 05 2014 10 19 08 08 2014 10 23 192 168 20 240 BACB Plus Details 05 05 2014 10 22 05 05 2014 10 23 182 163 20 240 BACB Plus Details 06 03 2014 10 20 05 05 2014 10 20 182 163 20 240 BACB Plus Details 05 05 2014 05 25 05 05 2014 05 54 192 168 20 240 BACB Plus Details 07 08 2014 17 20 07 08 2014 17 38 182 168 20 240 BACB Plus Details 07 08 2014 17 19 07 08 2014 17 25 182 163 20 240 BACB Plus Details 07 08 2014 17 19 07 08 2014 17 19 182 168 20 240 BACB Plus Details Previous Page 60 of 99 2 5 Communications with the Bank In order to facilitate your communication with us through the Transaction Portal you can send messages to the Bank from the relevant dedicated section The red number displayed nex
43. Select all Continue IVAN IVANOV IVANOV KRASIMIRA BORISOVA BORISOVA Continue The Transaction Website is not optimized for working properly mobile devices For that purpose you may use the mobile banking application BACB Plus developed by the bank which can be downloaded from the Apple store for iPhones or from the Android market for Android systems respectively The Transaction Website and the mobile banking of BACB Plus operate with certain specificities through the various operating systems and browsers You can find detailed information in the table below Page 4 of 99 Google Browser Chrome Operating system C25 older Internet zw Operating system Mobile devices amp Page 5 of 99 Internet Explorer IE11 IE10 IEB x lt amp xu Opera 012 011 lt lt lt amp 4 Safari 56 55 4 1 2 Virtual Bank s Transaction Portal Home page 2 Plus 1 Welcome IP 192 168 Q 9 balance funds available IVAN IVANOV IVANOV aia ee ACCOUNTS BG36BGUS91601000000001 BGN c 5 00 1 00 BG45BGUS91601400000000 EUR 0 00 0 00 BG63BGUS91601000000000 BGN 0 00 0 00 LOANS PETAR PETROV PETROV BG25BGUS91601100470000 USD 0 00 0 00 BGS1BGUS91601000470000 BGN gt 2 5 00 488 30 BG60BGUS91601400470000 EUR 0 00 0 00 BG78BGUS91601000470000 BGN 0 00 0 00
44. TMET No STATEMENT NO 2014 06 PERIOD 01 06 2014 30 06 2014 Banbop Date Ref No Value Date Description of the transaction Paid Received 02 06 2014 07091681 1 5 5 0 06 02 06 2014 07091832 1 5 5 0 06 02 06 2014 07093925 31 05 2014 c 4880 2370 1841 31 05 2014 20 08 57 BGN 34 00 EINO ARENA WT EOOD SOFIA 02 06 2014 07093925 31 05 2014 EUR BGN 1 050000 0 05 03 06 2014 07097017 or 600 00 03 06 2014 07097019 1500 00 BGL 1 950000 769 23 03 06 2014 07097242 8 00 03 06 2014 07097242 6 00 03 06 2014 07097242 RODOLPH MAZRAANI 4 000 00 e The Close Button enables you to send a request to the Bank for closing the account you have selected CLOSE ACCOUNT Close checking account Account information 388510890000000000000 0 81BGM to transfer funds Closing fees Choose account for the closing fees
45. a sub section with four horizontal and five vertical buttons Page 34 of 99 1 Welcome IP 192 168 PAYMENTS CARDS ee Inactive Requests GENERAL REPORT expiry overdraft currency number date card holder allowed available balance to account IWANOW IWANOW VISA Debit BGN 0000 0000 107 0 00 629 33 33 42 BGa amp 1BGUSDODDODODDODDOO card authorizations account movements account statement card details change card parameters TU original amount in card date device merchant amaunt operation type state 000 28 04 2014 SOFIA SLAVIANSKA 8 SOFIA D0282102 50 00 BGN 50 00 BGN pendin Im 4000 12 54 50 BG ATM deles limits 29 04 2014 SOFIA SLAVIANSEA 8 SOFIA 00282102 50 00 BGN 50 00 d 00 00 00 BG 7 Pu Revenue 25 03 2014 l digital safe 1 EFL 1 Fli T 115 14 BGM 115 14 Te 20 58 19 13000032 SOFIA MC SOFIA BG 115 14 BGH 115 14 BGM approved Expenses 00061322 BACB 061322 SOFIA BG 50 00 BGN 50 00 Une UT approved 17 43 00 ATM 14 01 2014 last balances ER 00002405 CIBAMK ATM 62405 SOFIA BG 50 00 BGN 50 00 BGN approved 12 29 00 ATM 13 01 2
46. al Bank s transaction website at a time When you select Security tool in the Settings section a window is displayed where you can see the current security tool and are given the option to change it If your current security tool is QES the relevant details of the certificate registered with the system are displayed and you are given the option to change it by selecting OTP Page 18 of 99 Welcome ZBACB pm mam am gm Am d m 1 P y PAYMENTS FUNDS TOOLS CHANGE YOUR AUTHORLZATION DEVICE Authorization device Dom 55 9 OOOOOOOOGOON 42 200 539 42 IP 192 168 PENA gt p SERVICES If OTP is selected the system displays in the right hand side of the window list of all the display cards among which you can choose the one which you will be using as a security tool CHANGE YOUR AUTHORIZATION DEVICE Authorization device Active authorization device Display card 0000 0000 e Display card password Choose display card Certificate 2 1 5 1 Signing with OTP one time password OTP One time password is a unique one time 8 digit numeric combination which is the password that you use to identify yourself when performing payment and non payment bank operations in the Virtual Bank OTP is generated by your display card using different mathematical algorithms operation mod
47. ally signed documents between you and the Bank e Card repayment Using this button you can order a repayment of your credit card related liability as you have the option to choose among the minimum repayment installment the entire installment or an amount of your choice Card debt repayment Main info Ordering customer Choose payment Amount Currency 0 BGN create 2 2 3 Loans Section The Loans Section is accessible through the main menu Funds Loans gt AC B Plus 1 Welcome IP 192 168 0 T ACCOUNTS CARDS 7 LOANS 2 A inactive Requests GENERAL REPOR loans currency amount contract date maturity date interest rate next installment amount next installment date state IVANOV IVANOV 000298 06 12 04 2007 4 EUR 63000 00 12 04 2007 30 06 2030 7 65 414 18 14 06 2014 Hew loan request After selecting this operation the page containing a list of your loans is loaded together with the basic information related to these loans e Credit contract number Currency Page 39 of 99 e Contractual amount the amount of the loan e The signing date of the loan agreement e maturity date the date by which the loan is to be repaid e Interest 96 e Next installment amount monthly repayment installment payable on the next due date e Next installment date the due date of the next installment e Status regular overdue The mont
48. alogue box where you must choose 1 The Content option 2 Certificates Internet Option Content Advisor Ratings help you control the Internet content that can be viewed on this computer Enable Certificates Hp Settings Use certificates for encrypted connections and identification AutoComplete AutoComplete stores previous entries webpages and suggests matches for you Feeds and Web Slices Feeds and Web Slices provide updated content from websites that can be read in Internet Explorer and other programs Then a dialogue box is opened containing information on the Registered QES Page 11 of 99 Trusted Root Certification Issued To _ Ivanov Ivanov B Trust Operational CA Universal Ele 20 12 2011r Certificate intended purposes Client Authentication Secure Email IP security end system IP security tunnel termination IP security user IP security IKE intermediate Learn more about certificates 2 1 4 2 Registering a certificate QES for active operations The registration of a QES takes place through the Settings section by choosing the Certificates sub menu 2 BAC B Plus Welcome IP192168 amp 5 o Change your authorization device y Current username PAYMENTS Password b Certificates Edit products BG In order for a certificate QES to be
49. ch of the Bank or by phone Page 64 of 99 In the Text field please indicate the nature of your compliment or complaint as the limitation here is 2000 characters After filling in all the information you can either send the message using the Send button or cancel it using the Back button All the compliments and complaints submitted to us are displayed in a list as by clicking on the icon you will see the details of the document sent to the Bank and closes these details A number is assigned to each message sent 2 5 4 Instructions to the Bank In the Instructions to BACB module you can send any and all messages with free text related to payments and active operations concerning your products Each and every instruction is to be signed using the QES MESSAGES Information from BACB Messages to BACB S MA Compliments and complains clients instructions including requests Far active Period to Results per page banking operations that require signing with e signature 01 08 2014 01 09 2014 10 search X from subject account create date state MAN IMANOV Promotional deposit BS69BGUS916 00000000000 19 08 2014 Sent Previous i Create To send a message click on the Create button which will load a form to be filled in Page 65 of 99 INSTRUCTIONS TO BANK Instruction to Bank To Bulgarian American Credit Bank From Re
50. d from the main menu Tools Product advisor PRODUCT ADVISOR If this service is activated the selected starts by choosing among the main product types Account Loan product Debit Card or Savings product Page 97 of 99 PRODUCT ADVISOR Choose product Hello am your product advisor and am here to answer your questions to advise and to help you make the right choice What do you need Account Loan product Debit card 9 Savings product After a choice is made the system will display a list of all the offered products of the selected type as you can choose one of them PRODUCT ADVISOR Choose product Choose from existing products if you already know what you are looking for Promotional 12 m Interest rate in BGN 5 50 EUR 5 10 USD 3 60 Promotional 1 m Promotional 3 m Interest rate in BGN 4 60 EUR 4 10 USD 3 0096 Promotional 6 m Interest rate in BGN 5 00 EUR 4 60 USD 3 30 Promotioanal 3m Bacb Plus Interest rate in BGN 4 90 EUR 4 40 USD 3 20 Standard 12 m Interest rate in BGN 4 50 EUR 4 00 USD 3 0056 standard 1 m Interest rate in BGN 2 50 EUR 2 50 USD 1 50 Standard 24 m Interest rate in BGN 4 50 EUR 4 00 USD 3 00 standard 3 m Interest rate in BGN 3 50 EUR 3 00 USD 2 00 Standard 6 m Interest rate in BGN 4 00 EUR 3 50 USD 2 50 O O O O OOOOO Saving account target saving mon
51. ds the respective field is highlighted red and the message Field is required is displayed as well as the error message The data you have entered in the marked fields is incorrect Please check them again After you complete the form with all the mandatory fields for the respective application you are presented with two options e Save and Send Button saves and sends the application as the system requests it to be signed with a QES e The Save button saves the application as you can confirm it in the future After saving or signing the status of the application can be seen in the Requests menu of the Savings section Page 50 of 99 SAVINGS requests order no amount currency term date document state Deposit open 500 BGH 3 monthly 15 07 2014 Processed al Request new savings product 2 2 4 1 2 Closing of deposits In order to access your savings you must select the Savings menu in the Funds section After that you should select the deposit saving that you want to close from the displayed list and open its details using the x button SAVINGS 2 Active Sent requests GENERAL REPORT deposits IVANOV IVANOV ccy amount deposit type as of maturity term interest rate penalty interest rate E gt BG98BGUS91600000000000 EUR 10000 00 12 19 08 2013 19 08 2014 12 5 10 0 20 96 Savings accounts ccy balance target as of monthly payment day of
52. e necessary information you have two options either to only save the request for future sending or to save and send it to the Bank for processing The saved direct debit requests are accessible and ready for future sending to the Bank in the Payments menu Pending payments Page 74 of 99 DIRECT DEBIT REQUEST load template Ordering customer choose and account Ordering customer IBAN BIC Bank Ordering customer Beneficiary IBAN Beneficiary Name Amount Amount Currency 0 BGN Additional information Details of Payment Additional Details Created on 20 08 2014 15 24 26 ld Save as X Future payment Execution Date Template Template name Visible for all authorised users back save save and send 2 6 1 2 Transfer orders in foreign currency The process for execution of transfers in foreign currency involves four steps Page 75 of 99 The first step prompts you to specify the account the amount and the currency in which you want to make the transfer PAYMENTS Sender load template choose an account my accounts balance available Current BGN BG66BGUS81801000309300 823 85 823 05 Current EUR BG21BGU381801400308301 500 85 500 85 Q Current BGN BG12BGUS81801000308302 157 84 30 966 25 Savings EUR BG10BGUS81804400308300 1 493 76 1243 78 Amount and currency Amount Currency 400 EUR After completing
53. e next step you have to select the value date of the transfer the reason for payment and the bank expenses e The value date can be standard 2 business days urgent next business days and express within the same business day e The bank charges may be at the expense of the Payer all the costs and expenses are covered by the payer Beneficiary all the costs and expenses are covered by the recipient and Shared the outgoing costs and expenses are covered by the payer the rest by the recipient Page 77 of 99 All the fields are mandatory and the system will not allow you to go to the next step if you have failed to fill in any of them as the following error message will be displayed Field is required is displayed as well as the error message The data you have entered in the marked fields is incorrect Please check them again PAYMENTS Additional information Value date Standard 2 working days Foreign currency payments are executed with standard value date 2 working days You can also order payments with Urgent 1 working day and Super Urgent same working day value date with the prior consent of the Bank Additional information Details of payment personal transfer Bank Charges Shared would like an urgent processing of the payment within 2 hours from its ordering only for payment orders sent till 3pm in a working day After filling in accurately all the details regardi
54. ection and fill in the agreed amount of the loan the current debt the type of the loan the creditor the monthly installment the interest rate and the maturity date After filling in all the mandatory fields please click on the Next button Page 43 of 99 CREATE NEW VIRTUAL CREDIT REQUEST 2 EMPLOYMENT DATA 202000 Name FIK Bulstat Work address OTR Work experience in the company Total work experience months months Position Profession Staff 2 9 indicate the bank Labor contract data no on probation until fi in a period of termination of employment contract hired for temporary seasonal work other Second employer data Third employer data Ha New account want to open a new checking account in leva Income Leva Employment contract Civil contract Fee Rent Private practice Business activity Pension Other T back cancel save next On the next step you must fill in details about your family status and education as well as to indicate the type of your curr
55. ent residence your own belonging to your parents rented or other If you choose own residence you are required to fill in the relevant data about the residence type of property address total area any encumbrances and co ownerships Page 44 of 99 CREATE NEW VIRTUAL CREDIT REQUEST 2 MARITIAL STATUS Q O0 04 family and property status data Marital status Children under 18 years yes Education Live in 2 7 in the amount of the rent in the loan currency The Next button will take you to the last screen where you can review all the information you have entered before sending it to the Bank You will also have the option the print the request by clicking on the Print button or save it by clicking on the Save button By clicking the Send button your application will be sent to the Bank for review Page 45 of 99 CREATE NEW VIRTUAL CREDIT REQUEST PREVIEW Loan amount Term in months Day of the month to pay installment Servicing account Personal information Name Personal Number PersonallD No Date of issuing Issued by Age Live on this address for Home phone Mobile Bus
56. equest for a new user name will be accepted and upon your next Log In to the Transaction Portal you will have to enter your new user name 2 1 2 Changing the password In order to ensure maximum security clients must change their password from time to time When you select Password Change in the Settings section a window is opened prompting you to fill in your current password and enter the desired new password which must meet the specified requirements rj Plus 2 Welcome IP 192 168 Change your p authorization device Current username PAYMENTS SERVICES Password PIN pus Certificates Edit products PASSWORD 2 BG Change password New password Retype new password Please enter a password which meets all of the following requirements 15 st least 8 symbols Contains symbols from each of the following four groups uppercase etters A Z lowercase letters a z digits 0 9 and special characters amp _ 1 Control number If an attempt is made to enter a password which does not meet the requirements the system generates the error message Incorrect Format You must confirm the desired new password by retyping it as if the two passwords do not match the system will display the error message Passwords do not match It is also mandatory to enter the Control Number generated by the system and if it is not entered the system will not re
57. ere the system displays a list of all the activated regular payments and their respective details From here you can deactivate the payment or created a similar payment To delete a payment it must be inactive TRANSFERS Inactive type short name ta openning date amount periodicity state I uU n Currency exchange trip 21 08 2014 234 00 EUR 1 month Active The regular payment is saved and on date specified for its execution you must confirm it from the Pending menu in the Payments section 2 6 5 General report Here you can find detailed information on all your movements balances and payments The reports are divided into different sub sections Movements Balances Payments Bills You can generate different reports using the available filters and specify a specific period You can also choose how many results you want displayed on the page GENERAL REPORT Balances Payments Utilities Movements Account Type Amount to Period to Beneficiary Results per page 22 07 2014 22 2014 10 The statuses existing for the payments and available for display in the various reports are as follows Saved the document is submitted to the system but it is not signed or sent to the Bank Awaiting signatures the document has been signed by one user but more than one signature is required for sending Denied the document has been denied by the
58. ername password SECURED 4 d by Symantec inne ja 490_h Coj DOL All transactions are protected by 1 login In order to use the Virtual Bank s transaction website you must be a client of BACB and to be registered for using the remote banking channels in BACB Plus Each and every Client who has a current deposit savings or special account with the Bank is entitled to access In order to log in the transaction website please follow the link of the Log In button on the portal website www bacbplus bg When you click on the button a new window is opened where you have to enter your user name Upon clicking the Continue button the personal image avatar and phrase chosen by you during the registration process are visualized in the window as well as a box for entering the password In case you recognize your personal image and phrase please click on the Log In button Page 2 of 99 For improved security you are provided with the option to log in to the Virtual Bank using a One Time Password generated by your display card in case you have been issued such a card In order to request a One Time Password you have to tick the Display card password check box The password is generated by pressing button 7 on the display card You must enter your PIN the one you use for withdrawing money from an ATM and for POS payments and the display card will generate a One Time Password
59. es defined as separate buttons and after entering the PIN for using the card Page 19 of 99 BUTTON 7 BACBplus Used for signing of Se S AUS SOUS Applications for the opening closing of current accounts Applications for the opening closing operations with deposits and savings accounts Applications related to debit cards request for issuing change of parameters and limits Free form instructions to the Bank Utility payments General payments Log In to BACB Plus platform You can select the BACBplus mode by pressing BUTTON 7 You must enter your PIN for using the respective card and the display generates your OTP password The password generated in this way is used to sign into the transaction website of the Virtual Bank BUTTON 8 e sign Used for signing of v v Transfers in BGN transfer in BGN transfer to the national budget multi line transfer to the national budget direct debit request Foreign currency transfers Foreign currency exchange You can select the e sign mode by pressing BUTTON 8 Please enter the values for the Account as these are the first six numbers of recipient s account Then you enter the respective value for Amount as this is the amount of the transfer without the numbers after the decimal mark After that you enter the PIN for using the respective card and your OTP is generated on the display The password generated in this way is used for signing into the Virtual Ba
60. essing of the payment within 2 hours from its ordering only for payment orders sent till 3pm in a working day Future payment Execution Date Template Template name Visible for all authorised users Page 79 of 99 For amounts equal to or exceeding BGN 30 000 thirty thousand or their equivalence in a foreign currency you must fill in a statement of origin in accordance with the Measures Against Money Laundering Act MMLA in an additional dedicated field Additional information Details of Payment sale trade Anti money laundry Law declaration Origin of funds Personal savings Family savings Funds from employment income Savings from additional sources rent Savings from additional sources annuity Savings from additional sources work at home Savings from additional sources civil contract savings from additional sources additional employment Funds from a sale of property motor vehicle Funds from a sale of property equipment Funds fram a ala nf real eztate save and send For any cross border transfers and payments to third parties of amounts equal to or exceeding BGN 30 000 00 thirty thousand or their equivalence in a foreign currency you must also complete a declaration pursuant to Ordinance 28 of the Ministry of Finance and the Bulgarian National Bank For transfers of more than BGN 100 000 00 one hundred thousand or their equivalence in
61. ey am not sure want an advice If you are not sure which of our products suits your needs best this functionality will help you choose the most appropriate product offered by the Bank Based on an algorithm on the principle of Q amp A the system will guide you until finally it shortlists the products you should choose from Page 98 of 99 2 8 3 Wallet This functionality is accessible through the main menu Services Wallet PRODUCT 7 ADVISOR PAYMENTS FUNDS SERVICES CALENDAR In this section the current status of your funds revenues costs and expenses savings loans is presented visually using charts MY WALLET 2 Available balance Revenue and expenses 1600000 BGN e Revenue Expenses 1200000 BGN 800000 EGN 4DDODO BGN _ Savings 323 111 14 8 9 10 41 2 1 2 5 6 7 Accounts BGN 2013 2014 Accounts 98 986 78 BGN Savings total A 229 111 14 BGN Page 99 of 99 Bulgarian American Credit Bank AD
62. formation For that purpose you must click on Pre contractual information and a file with all the parameters of your requested loan will be displayed If you agree with all the parameters click on 1 accept the pre contractual information Your consent is then sent to the Bank and it should be processed After that the Bank will prepare a contract which you can see by once again clicking on the applications button in the Loans section of the Funds menu as you will again receive an email Please follow the Loan Agreement link and your agreement and the general terms and conditions for the granting of loans will be displayed After you read and agree with them please click on the Sign button The agreement is signed and sent to the Bank for processing The agreement will be available for signing for 5 days after you receive the respective email 2 2 4 Savings Products Section The Savings Products Section is accessible from the main menu Funds Savings Plus 7 2 Rejected payments 4 Welcome IP 192 168 0 IVANOV IVANOV BG10BGUSSDOODO 00000000 EUR 1993 78 1743 78 BG1IZBGUSS1D000 00000000 BGN 187 84 30 388 25 IWANOW IVANOV VISA VPAY Debit BGH 0000 0000 10 2017 30 388 25 IWANOW IVANOV BG376BGUS910000 00000000 BGN 25 03 2014 2 000 00 4 90 After selecting this option a list of your savings is opened together with all the basic information on them Deposits
63. g your respective revenues and expenses Page 27 of 99 All the vertical menus either open a dialogue box or lead to a new section containing additional information about the account A dialogue box opens Balance and Account Movements For Today Manth to date Yearto date Period 01 04 2014 06 08 2014 Results per page 10 Lm A B B reference details date amount 07121772 c kapra 4880 10 06 2014 18 92 EUR 07121772 10 06 2014 0 05 EUR 07114753 1 5 5 09 05 2014 0 06 EUR 07114512 1 5 5 09 06 2014 0 06 EUR 07110156 c kapra 4880 2370 06 06 2014 204 52 EUR 07110156 05 06 2014 061 EUR 07097937 c kapra 4880 03 06 2014 35 16 EUR 07087937 03 06 2014 0 11 EUR 07087242 RODOLPH 03 06 2014 4000 00 EUR 07087242 03 06 2014 15 00 EUR Previous With predefined filters you can request the specific periods of the statement Today Month to date Year to date or to enter a period of your choice You can also choose the number
64. gister the new password If you fail to complete all the mandatory boxes the system generates an error message After completing all the mandatory boxes and filling in the correct information you must click on the Confirm button The request for a new password will be accepted and upon your next Log In to the Transaction Portal you will have to enter your new password Page 9 of 99 2 1 3 Changing your PIN PIN is the four digit code which you have entered during the registration process and is subsequently used for confirming operations when banking using mobile devices It is also necessary for your identification authentication through the customer service information centre When you choose PIN Change in the Settings section a window is displayed prompting you to enter the current PIN and the value of the new PIN BAAD Plus i Welcome IP 192 168 290 PAYMENTS TOOLS SERVICES 1 1 1 bh 4 bh i CHANGE PIN 5 Change PIN Changing your PIN is allowed only if you sign with or a token password If you don t have a registered security device you can change your PIN in person in your closest bank office Mew Retype new PIN Please enter a 4 digit PIN Your PIN is required for signing transaction in the Plus mobile application and for identification with the bank info center Control number Only digits can be entered in the existing and new PIN boxes If an attempt
65. he amount and the currency click on the Next button to continue with the exchange request e The last step is the Preview screen where you can review and check the entire form for ordering a currency exchange with all the details and edit them if necessary Page 83 of 99 PAYMENTS Preview Ordering customer choose an account Account Currency BG25BGUS91501000000000 EUR 2450 22 EUR Beneficiary choose an account Account Currency BG43BGUS81501000000000 BGN 532 00 BGN Amount Amount Currency 50 00 EUR Additional intormation Details of Payment sale trade Created on 21 08 2014 17 13 50 ld Save as x Recurrent payment Future payment Periodicity Execution Date Initial Date Template Template name short name C Visible for all authorised users cancel save and send The editable fields are e The payer s account IBAN of the account which will be charged with the respective amount e The recipient s account IBAN of the account which will be endorsed with the purchased amount e The amount which the client wants to sell buy currency of the amount which the client wants to sell buy e The reason for payment Page 84 of 99 For amounts equal to or exceeding BGN 30 000 thirty thousand or their equivalence in a foreign currency you must fill in a statement of origin in accordance with the Measures Against Money Laundering Act MMLA in an additional dedicated field
66. hly repayment installment may include various components Relevant information can be found on the home page when you hold the mouse pointer over the amount of the installment loans amount next installment amount next installment date IWAN IWANOW IWANOW 002110 02 EUR 33 577 00 425 85 15 06 2014 Principal 266 71 EUR Interest 104 28 EUR Other dues 55 65 EUR Should you need more information regarding the specific loan you just need to click on symbol on the respective line and this will take you to the information section about the respective loan LOANS 2 Inactive Requests GENERAL REPORT next installment date next installment amount interest rate amount contract date maturity date currency IVANOV IVANOV 1002110 02 08 07 2004 4 EUR 33577 00 08 07 2004 15 04 2018 8 49 426 85 15 06 2014 digital safe 40000 30000 details 20000 current state 10000 0 Paid principal Principal remaining New loan request The information section contains a visualization of the current status of your loan i e the repaid and remaining principal Also available are the following buttons e Digital Safe This button takes you to the section where are stored all the electronically signed documents between you and the Bank Page 40 of 99 e Details This button opens a dialogue box with the following information contractual a
67. iness Phone E mail Work e mail Fax Employment data Name Address Cort Branch Position Work experience in this company Total work experience Labor contract data Second employer data Third employer data Income Social security income Marital status Husband wife data Name Husband wife data Personal Number Children under 18 years Education Live in 2000 00 BGN 24 5 want to open a new checking account in leva 4706296799 234455555 09 07 2014 SOFIA 67 BULGARIA SOFIA ZIP code 2344 3WE3 BULGARIA SOFIA ZIP code 2344 3WE3 BULGARIA SOFIA ZIP code 2344 3WE3 15 months 34555666 GDFS ABV BG CGFSD DFDDDDDDDDDD 23 34 B 2345 Married eana 7711136790 2 Higher The Bank reviews your application and if it is approved the Bank will send you through the portal all the relevant pre contractual information as you will also receive an email message to that effect Page 46 of 99 The pre contractual information may be found by clicking on the Requests button in the Loans section of the Funds menu Your application and its status and the pre contractual information are displayed on the screen You must read and accept that in
68. information Details of Payment Additional Details car insurance fee Created on 20 08 2014 11 54 08 Save as X Recurrent payment Future payment Periodicity Execution Date Initial Date Template Te mplate name Short name Visible for all authorised users cancel save and send Page 69 of 99 Usu At all steps of the process all the fields marked with are mandatory and if not filled the following error message will be displayed Field is required is displayed as well as the error message The data you have entered in the marked fields is incorrect Please check them again and the fields are highlighted red After filling in and reviewing the document you will have the option to either save it for subsequent sending or save and send it for processing by the Bank In the Save as section you can save the created transfer as e Aregular payment with a certain name which is to be made on a date of your choice at regular intervals e Future payment which is to be transferred on the date of your choice A template with a certain name which can be subsequently opened and edited and send for processing More information on these options can be found in the relevant sections 2 6 1 1 2 Transfer to the national budget The process of ordering a payment to the national budget again involves four steps On the first step you select the account from which you want to make the transfer the am
69. ing the with General Terms and Page 86 of 99 Conditions box is mandatory as you can read the respective terms and conditions by clicking on the general terms and conditions link By clicking on the Check for pending bill payments button you can check for any bills due to the respective provider The field indicating the respective liability is displayed below the field with the subscriber number UTILITIES FIBER 1 ARENANET FIBER 1 Ltd Client number 123456 Check for pending bill payments Amount 15 00 BGM Account BG43BGUS816501000000000 BGN 532 00 Payment name Internet providers Fiber 1 Agreed with general terms and conditions From this point you have several options to register the payment using the Save button e to pay the liability without registering it using the Pay Now button to register AND pay the respective bill using the Save and Pay Now button Management of the utility payments Editing After you have loaded the screen with all the bills for payment you may edit a certain bill using the Edit button UTILITIES 4 payment name type client number period amount FIBER 1 FIBER Internet providers Fiber 1 123455 15 00 BGN nternet providers Fiber 1 Ltd After clicking on Edit button the system loads a menu where you can change your subscriber number the account from which the pa
70. iod and weekly All the vertical menus either open a dialogue box or take you to a new section with additional information about the debit card e Change card parameters Upon clicking on the Change of parameters button a form is opened where you can change the parameters related to your Debit Card the answer to the secret question the mobile phone number SMS notification e mail address Page 36 of 99 CARD PARAMETERS Card parameters change Card information Secret answer MIHAILOVA Additional information Mobile 0899888382 SMS notifications E E Mail Adress ZIP Code Street Mo 1000 _ SLAVYANSKA 2 City SOFIA back save and send e Change card limits Using this button you can change the card limits CARD LIMITS Card limits change ATM single transaction limit ATM daily limit 2000 00 3500 00 ATM weekly limit POS single transaction limit 9000 00 9000 00 POS daily limit POS weekly limit 9000 00 9000 00 save and send e Digital Safe This button takes you to the section where all the electronically signed documents between yourself and the Bank are stored e Last balances The last balances will display a list of the last 10 balances of the account together with information on the respective availability daily and total turnovers at the respective date Page 37 of 99 2 2 2 2 Credit cards For more information about our cred
71. is made to enter other symbols the error message Incorrect Format is displayed If the values of the new PIN do not match the error message The entered PINs do not match is displayed All the fields are mandatory and if any of them is omitted an error message is displayed by the system 2 1 4 Certificates 2 1 4 1 Changing the QES In order to make sure that your QES is installed and ready to use you must check it For Internet Explorer select Internet Options in Tools Page 10 of 99 File Edit View Favourites 1770 Delete browsing history InPrivate Browsing Turn on Tracking Protection ActiveX Filtering Fix connection problems Reopen last browsing session Add site to Apps View downloads Pop up Blocker SmartScreen Filter Manage media licences Manage add ons Compatibility View settings Subscribe to this feed Feed discovery Windows Update Performance dashboard F12 Developer Tools Fiddler OneNote Linked Notes Internet options Ctrl Shift Del BACB Plus x Ctrl Shift P ZBACB s 55 a smart thing dots a forearm TestUser LJ 9 lapona SECURED powered by Symantec Ctrl Shift U 128 bit SSL The browser opens di
72. ist of beneficiaries e Beneficiary successfully saved manage beneficiaries Management After you load the list of beneficiaries you may edit a Beneficiary of your choice or delete them from the list You can do that using the button Page 93 of 99 nara cumency bank BGH delete account number 85858559180 1000000000 Editing a Beneficiary is similar to creating one 2 7 2 Templates The Templates Section is accessible through the main menu Services 4 CASHOUT PAYMENTS FUNDS Creation Each of your transfers can be saved as a template You can do that at the end of each transfer whether in BGN in a foreign currency to the national budget or as a currency exchange You have to mark the Template box and specify a name in the Template Name box ld cave as Recurrent payment Future payment Periodicity Execution Date gt E Template Initial Date Short name Visible for all authorised users save and send You can also create a template using the New button at the end of the list of Templates Page 94 of 99 template payment order amount In leva 135 00 BGN Creating a template here is similar to ordering a transfer On the last screen you must name the template and choose whether it is visible to all the authorized persons If you have authorized use
73. it card please click on the button on the line of the chosen This will open a sub section with detailed information in four horizontal and five vertical buttons expiry utilized minimurm repayment due currency number date card holder overdraft amount available amount date IWANOW IVANONV GOLD Revolving Credit BGN 0000 0000 10 15 5000 00 0 00 0 00 0 00 card authorizations card movements card statement card details change card parameters orginal amount in card date device merchant amount currency operation type state 5000 change card 28 08 2014 imi 17 59 22 01045781 PAKOSTNIK BG 30 50 BGN 30 50 pending limits 28 08 2014 FANTASTICO 08 K3 11 15 50 53990278 SOFIYA BG 70 53 BGN 70 53 BGM approved Zr 08 2014 TABAK MARKET AD Availabl Ue nega COAR MARKET ey x Pe EIN l Available 10 42 11 FC8908213 SOFIA BG 18 89 18 69 BGN pending Amount Used 23 08 2014 20 57 00 0669202 KAMIS EOOD SOFIA 7 70 BGN 7 70 approved card repayment 18 08 2014 I ee em 19 10 59 0669202 KAMIS EOOD SOFIA 9 78 BGM BGH approved 14 06 2014 FANTASTI
74. maturity date of a deposit the transaction portal will wait until the maturity date and then it will send the application for closing the deposit to the Bank for processing CLOSE DEPOSIT Close deposit BG9SSBGUSS91600000000000 EUR 10000 00 Close deposit Account Account fo transfer funds fo BGS4BGUS91600000000000 EUR 3710 85 Additional information Heason Other reason Close deposit save and send Page 52 of 99 All the fields marked with an asterisk are mandatory If you fail to complete any of these fields the respective field is highlighted red and the message Field is required is displayed as well as the error message The data you have entered in the marked fields is incorrect Please check them again After you have completed all the mandatory fields for the respective application you are presented with two options e The Save and Send Button saves and sends the application as the system requests it to be signed with a QES e The Save button saves the application as you can confirm it in the future After saving or signing the status of the application can be seen in the Requests menu of the Savings section SAVINGS 2 Sent requests GENERAL REPORT Closed Active Requests order no amount currency term date 12 monthly Deposit clase Request new savings product All the saved applications which has not been sent to the Bank
75. month interest rate IVANOV IVANOV BGN 2001 04 20000 00 18 02 2014 500 00 1 2 50 96 Request new savings product This opens a screen where you have various options as one of them is to close the deposit by using the Close button Page 51 of 99 SAVINGS 2 amount deposit type as of maturity term interest rate penalty interest rate IWAN IWANOW IVANOV BG9SBGUS9160D000000000 EUR 10000 00 12 19 08 2013 19 08 2014 12 5 10 0 20 25 last movements last debit movements last credit movements account 19 08 2014 movements data digital safe Available amount close Savings accounts balance target as of monthly payment day of month interest rate WAN MANOW 2001 04 20000 00 18 02 2014 500 00 1 2 50 96 Request new savings product The system loads an application for closing the deposit In this application you should specify your account in which you want the respective funds to be transferred as well as whether the deposit is to be closed on its maturity date or earlier The closing of a deposit before the maturity date is considered a breach of the terms and conditions applicable to the deposit and in this case the penalty interest rate for early termination of the deposit is applied If you choose to close a deposit on its maturity date even if you perform this action before the actual
76. mount utilized amount final repayment date type of the interest rate and IBAN of the relevant account number of the account used to repay the monthly installment 2110 02 amount amount used maturity date interest rate type servcie account iban 3357 7 00 33577 00 15 04 2018 floating BG34BGUS00000000000000 e Current state This button opens a dialogue box containing information regarding the current status of the principal and interests at the current date Principal includes the amount due with respect to the regular principal Interests includes the interests charged up to the current date on the regular principal STATE OF CREDIT 002110 02 Current state by 07 08 2014 principal interest 14747 04 Monthly due amount by 15 06 2014 Total 426 95 principal interest other dues In case of overdue loans this window will also display information on the overdue liabilities related to the principal interests penalty interests and other liabilities Also shown is the number of dates of the delay A new loan product can be requested using the New loan request button ACCOUNTS PAYMENTS SERVICES Active Requests GENERAL REPORT currency amount contract date maturity date interest rate next installment amount next installment date state IVAN IVANOV IVANOV 002110 02 1 08 07 2004 4 EUR 33577 00 08 07 2004 15 04 2018 8 49 426 85 15 06 2014 PenoBeH New loa
77. n request m Page 41 of 99 It will take you to the Product Advisor which will help you select the product that suits you best Currently the Virtual Bank only allows you to request a Virtual Loan PRODUCT ADVISOR Choose product Choose from existing products C O Virtual Credit The Next button will take you to the application form Virtual credit request On the first step you are prompted to choose the amount of the loan up to BGN 2000 the period up to 36 months and the preferred date for the repayment of the monthly repayment installment All the fields on this screen are mandatory After filling in the date correctly please click on the Next button CREATE NEW VIRTUAL CREDIT REQUEST T MAIN INFO 0000 Credit amount Currency BGN The amount of the credit must nat be less than 400 2000 currency units Term in months Bank client IVAN IWANOW IVANOV The credit tem cannot be longer than 36 month Day of the month to pay installment Select prefered day of ihe month io pay installment cancel On the next screen you must fill in accurately your personal details The mandatory fields are marked with One of the fields must always be completed landline or mobile phone number and personal or office email After all the details are filled in please click on the Next button Page
78. ng the additional information please click on the Next button The last step is the Preview screen where you can review and check the entire form for ordering a foreign currency transfer with all the details and edit them if necessary Page 78 of 99 PAYMENTS Preview Ordering customer choose an account BG21BGUS91600000000000 EUR 600 85 Ordering customer IBAN Name 8621860591000000000000 Country BULGARIA Address Balgariya KV MONTE KARLO 233 Amount Amount Currency 100 00 EUR M Direction Value date Abroad Standard 2 working days Foreign payments are executed with standard value date 2 working days You can also order payments with Urgent 1 working day and Super Urgent same working day value date with the prior consent of the Bank Beneficary choose an account Account IBAN GB38BARC20000000000000 Address E NEWARK Country UNITED KINGDOM Beneficiary s bank BIC code Bank code BARCGB22 Bank name Branch Barclays Bank City Country Address BIC SWIFT code of correspondent bank Additional information Details of payment personal transfer Created on 20 08 2014 16 56 33 Save as Recurrent payment Periodicity Initial Date Short name Bank Charges Shared would like an urgent proc
79. nk s transaction website Page 20 of 99 CONFIRM SEND from to created on amount BG85BGUS00000000000000 Ivanov 04 08 2014 1 00 Sign with selected display card Display card 4880 8458 Display card password unique 8 dynamic password used to confirm execution of payment and nonpayment bank operations The generated password is valid for a limited period of time and can be used only once In order to sign the transaction please follow the steps below 1 Turn your display card by pressing button o 2 Mode appears on the screen In order to choose e sign please press button 8 3 Account appears an the screen Please enter the first six numbers from the 5 IBAN as 15 marked here BGOOFINVODOOTO0BGN BBS3 Account 000000 Then press the OK button 4 Amount appears an the screen Please enter the total value ofthe payments without the numbers after the decimal point 1 00 Amount gt 1 Then press the OK button 5 PIN appears on the screen Please enter the PIN code ofthe card the one you use for money withdrawal and card transactions Then press the OK button 6 A 8 digit code appears on the screen Please enter the password in the field below and then click OK Display card password cancel BUTTON 6 VbV It is used for payments on the Internet The card will generate a one time password to be entered in the payment form on the retailer
80. nt Beneficary Mame PETAR PETROV PETROV BG66BG6US91000000000000 BIC Bank BGUSBGSF On the third step you must fill in the reason PAYMENTS Additional information Additional information Details of Payment Additional Details car insurance fee On the fourth step you can review and if necessary edit the transfer details the account from which the transfer is made the recipient the amount the reason and the payment system The payment system may be either e BISERA standard payment system where the payment is made within the day for transfers sent for processing by 3 00 p m or by the next day for transfers sent for processing after 3 00 p m e RINGS express payment system where the payment takes place within 2 hours The price of this service is higher than Bisera and it is in accordance with the current tariff of the Bank Page 68 of 99 PAYMENTS Preview Ordering customer choose an account 8 66860891600000000000 BGN 893 85 Name Ordering customer IVANOV BG66BGUS91600000000000 Beneficiary choose an account Beneficiary IBAN u PETAR PETROV PETROV BG85BGUS91600000000000 BIC Bank Name BGUSBGSF Amount Amount Currency 100 00 BGN Payment system Additional
81. nts Each of your transfers can be saved as a future payment You can do that from the menu at the end of each transfer whether made in BGN in BGN to the national budget in a foreign currency or for currency exchange You only have to mark the Future payment box at the end of the transfer form and specify the date for execution of the payment Page 85 of 99 Save as x Recurrent payment Future payment Periodicity Execution Date 31 08 2014 Initial Date Template Template name Short name C Visible for all authorised users cancel save and send The future payments are saved and confirmed immediately and executed on the specified date 2 6 2 Utility payments The information for the payment of your bills is accessible from the main menu Payments Utilities CREATE NEW PENDING FUNDS 0 PAYMENTS 2 Creating utiltiy payment You can create a new bill payment using the New button The system loads a screen where you have to choose the service and the provider and click on the Create button Let s take the payment of a monthly subscription to your ISP for example UTILITIES Utility Service Provider Internet providers FIBER 1 ARENANET FIBER 1 Ltd cancel create On the next screen you are prompted to enter your subscriber number the account from which you want to effect the payment and to create a name for the payment Mark
82. of the balance the blocked amounts the permitted overdraft e Balance e Toaccount the account to which the card has been issued The following additional information is required for the credit cards e Credit limit overdraft e Utilized amount Page 31 of 99 e Current availability e Minimum repayment amount Due payment date CE Welcome IP 192 168 5 0 CARDS 2 Active Requests GENERAL REPORT expiry overdraft currency number date card holder allowed available balance to account GERGANA YORDANOVA VELKOVA zz VISA CodeSure Debit BGN 4660 5266 12 16 GERGANA VELKOVA 0 00 629 33 33 42 BGS81BGUS91601002120602 VISA VPAY Debit BGN 4060 5536 10 17 GERGANA VELKOVA 0 00 629 33 33 42 BGS81BGUS91601002120602 expiry utilized minimum repayment due currency number date card holder amount available amount date GERGANA YORDANOVA VELKOVA zs VISA GOLD Revolving Credit BGN 4596 ttt 0611 10 15 GERGANA VELKOVA 5000 00 0 00 0 00 0 00 Using the New card request button you can submit an application for the issuance of a Debit Card Page 32 of 99 NEW CARD New card request Card information Type Name on card Secret answer Account Select an accaunt fo issue the mew card for Additional information Mobile E Mail 359 SMS notifications Adress in the address where you want fo recerve your card by
83. osit BG69BGUS91600000000000 19 08 2014 Sent Eka Previous 1 Net Page 66 of 99 2 6 Payment operations 2 6 1 New transfer From here you can submit orders for new transfers in BGN or foreign currency as well as to perform exchange of currencies j PENDING payments EE onns 2 6 1 1 Transfer Orders in 2 6 1 1 1 Transfer Order in BGN The process of performing transfers in BGN includes four steps On the first step you select the account from which you want to make the transfer the amount and the respective currency here BGN You can make the Transfer Order in BGN also from an account in foreign currency PAYMENTS Sender load template choose an account my accounts balance available Current BGN BGS66BGUS81D000000000000 093 85 993 85 Amount and currency Amount Currency 100 BGN gt The Next button will take you to the second step where you have to fill in the details of the beneficiary recipient using either a list of pre defined beneficiaries Beneficiaries button or the Other Beneficiary Let s take a beneficiary who is not included in the list for example Upon clicking on the Other beneficiary button a screen is loaded where you can select a Local account and fill in the name and the account of the recipient Page 67 of 99 PAYMENTS Recipient choose an account My accounts Beneficiary Other beneficiary Lacal accou
84. ount and the currency BGN PAYMENTS sender load template choose account my accounts balance available Current BGN BG66BGUSS1DO0O0000000000 093 85 693 65 Amount and currency Amount Currency 100 BGN After you choose the account the amount and the currency BGN please press the Next button All fields are mandatory and if you fail to fill them in an error message will be displayed On the second step you have to fill in recipient s details name and account IBAN of the governmental institution Page 70 of 99 PAYMENTS Recipient choose an account My accounts Beneficiary Other beneficiary Local account Beneficary Name IBAN BG09BNBGO968813000 173701 BIC Bank BHBGBGSD After you fill in the respective data please click on Next button All the fields marked with mandatory and if you fail to fill them in an error message will be displayed On the third step you are prompted to fill in the details of the liable person the payment type the reason for payment the type date and number of the document based on which the payment is made if required for such payments The liable person may be different from the actual payer Page 71 of 99 PAYMENTS Additional information Obliged Person Tax Payer BULSTAT
85. presenting EIK EGN Person ID subject Instruction refers to account Promotional deposit Description i want to open promotional BACB deposit Anti money laundry Law declaration Origin of funds Personal savings back save and send Your name is automatically filled in the From field In the Subject field you can specify the subject of the instruction Transfer Order Standard Deposit Promotional deposit Transfer Clarification Cancellation or Other In the The instruction refers to account field you can choose the account to which the instruction refers In Description you should specify your instructions For instructions related to operations exceeding BGN 30 000 thirty thousand or their equivalence in a foreign currency you must always fill in a statement of origin in accordance with the Measures Against Money Laundering Act MMLA After completing your instruction you can either save or save and send it for implementation by the Bank If you have submitted instructions to the Bank you can review them by clicking on them After the application is opened you may also print it using the Print button The sent and saved instructions are displayed in a list in the Instructions to the Bank section where you can monitor their status processed or returned as well as to create a similar document using the respective icon from subject account create date state IVAN IVANOV IVANOV Promotional dep
86. r name When you select a user name in the Settings section the current user name is displayed and you are given the option to enter a new username which meets the specified requirements Page 7 of 99 ZBACBP s 1 Welcome IP 192 168 PAYMENTS SERVICES _ _ o H LOGIN 2 Change username Your Call Center client login is use your EGN followed by the number Username Current user login New user login test026025 test026025 Please enter a username which meets all of the following requirements 5 st least 6 symbols Contains symbols from the following groups Uppercase characters A throgh Z or Lowercase characters a throgh z or Numerals 0 throgh 9 Passphrase Passphrase display the chosen phrase and image at login Passphrase Selected image 1 mnane Control number If you attempt to enter a user name which does not meet the relevant requirements the system will automatically generate the error message Incorrect Format Page 8 of 99 Also mandatory is to enter the Control Number generated by the system and if it is not entered the system will not permit the recording of the new user name If you fail to complete all the mandatory boxes the system generates an error message After completing all the mandatory boxes and filling in the correct information you must click on the Confirm button The r
87. reate date CAS 01862 R9J3W8 question abaut credit processing 19 08 2014 15 10 Previous 1 Next From here you can send us signals for issues and inaccuracies in the functioning of the systems Transaction Portal mobile banking information centre To send a message to the Bank please click on the Create button A number is assigned to each message sent MESSAGES New message Subject question about credit Feedback From bank client E mail Text how can i apply for credit Page 63 of 99 2 5 3 Compliments and complaints In the Compliments and complaints module you can submit your comments and recommendations to BACB which will help us improve our services MESSAGES Messages to BACB Information from BACB Instructions to BACB Compliments and complains Period to Results per page 19 07 2014 19 08 2014 10 search _ subject state create date T CGLM DOODODSU quick service about credit application processing 19 08 2014 15 28 Previous 1 Next 3 In order to create a new message please click on the Create button as the portal will open a form to be filled in MESSAGES New message Subject Feedback From bank client In the Subject field please specify the subject of the praise or complaint as the limitation here is 100 characters In Feedback please specify how we can contact you as you can choose among email regular mail personally in a bran
88. rs for your accounts you can use the Visible for all authorized users button to choose whether they are to see the template when creating a new transfer Save as x Recurrent payment Future payment Periodicity Execution Date Initial Date I Template Template name Short name Visible for all authorised users save and send Management To edit a template please click on the button in front of template s name template payment order amount In leva 135 00 BGN After clicking on the button menu with three options is displayed e Edit you can edit the account from which the transfer is to be made the amount currency recipient s details the reason for payment as well as the name of the template itself e Create a Transfer the template is loaded and you can send it for execution e Delete deletes the template with all data saved in it Page 95 of 99 template payment order amount 2 8 Special functionalities 2 8 1 Calendar The payments own calendar may be accessed through the main menu Tools Calendar Payments calendar August2014 gt w utilities standing pending MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY SUNDAY 28 29 20 21 1 2 2 1 00 BGN 1 payment 4 5 6 T 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 22 24 321444 00 EUR 1 payment 25 26 27 28 29 20 21 nding with no date pe 9 In leva 135
89. saving money Q am not sure want an advice After having selected your savings product please click on the Next button in order to continue with your application The system loads a screen where can create your deposit Page 49 of 99 OPENING A DEPOSIT ACCOUNT Opening a deposit account Deposit information Deposit type Promotional Deposit term Term type Interest 96 3 bd monthly im 4 60 ha Ordering customer Choose account which wil be charged with the amount of deposit BG amp 1BGUS91601000000000 BGN 628 33 Client name Ordering IBAN IVANOV IVANOV BGS1BGUSS91601000000000 Amount Amount Currency 500 BGN Additional information Details Additional details Term deposit open Agreed with general terms and conditions Here you can specify the period of the deposit the account and amount to be used for the replenishment of the deposit and the currency in which the deposit is to be opened e The currency of the deposit may differ from the currency of the account from which it is to be replenished The minimum amount for opening a deposit is 500 five hundred currency units The fields Agreed with General Terms and Conditions and Agreed with the contract are mandatory Upon clicking on the respective links the documents are opened for reading All the fields marked with an asterisk are mandatory If you fail to complete any of these fiel
90. t 07121772 kapra 4880 7 10 08 2014 18 92 EUR 07121772 gamyra 10 08 2014 0 05 EUR 10000 07114753 1 09 06 2014 0 06 EUR 07114812 1 SMS a 09 08 2014 0 08 EUR 07110158 kapra 4880 2370 08 08 2014 204 52 EUR 07110158 08 06 2014 0 61 EUR roasaraair c 4280 03 08 2014 35 18 EUR r srear gamyra 03 06 2014 0 11 EUR 07097242 RODOLPH M 03 06 2014 4000 00 EUR orogr242 03 06 2014 15 00 EUR You can go directly to that information if you click on an account in the list on the home page of the website ZBACB S CE Welcome IP 192 168 accounts balance funds available STOIL ALEKSANDROW DIMOV BG69BGU5381801180038800 USD 13 76 13 78 BG85B6GUS31601080038801 BGN 0 00 0 00 Page 25 of 99 You can rename your accounts by clicking on the edit icon Li The field becomes editable and you can enter the desired short name for your account This function can be used for easier recognition of your accounts In order to preserve the change you
91. t to the icon of the section indicates the presence of new messages in your mailbox and their number gt p Plus VE Welcome IP 192 168 y 1 4 4 In this communications section you have the following options os E 2 5 1 Information from the Bank In the Information from the Bank section you can find all the messages sent to you by the Bank This may be information related to new products and services new tariffs promotions news and other events related to BACB A table shows all the received messages and you can open and read them or mark them as read MESSAGES 2 Information from BACB Messages to BACB Instructions to BACB 4 Compliments and complains X Unread Period to Results per page 01 05 2014 19 08 2014 10 N priority subject date validity Mark as read Information 06 06 2014 10 06 2012 C Previous 1 Next Page 61 of 99 MESSAGES Compliments and complains Instructions to BACE Messages to BACB Information from BACH Read Penod E Results page 01 05 2014 19 08 2014 10 search
92. the form please click on the Add account button In the menu that opens select whether the account is in Bulgaria or abroad enter the IBAN bank name currency city country and address Only the IBAN and BIC are mandatory If you fail to fill in these fields an error message will be displayed Page 92 of 99 IBAN BG85BGUS91601000000000 Bic Bank BGUSBGSF City Country Address Sofia Save account Cancel There is no added accounts After filling in the date please click on the Save account button The relevant information on the Beneficiary will be displayed name address IBAN and you can edit this information if necessary Name Address Petar Petrov Slavyanska 2 Visible for all authorised users account number currency bank delete edit BG6586U591601000000000 BGN fil Add account Cancal Save beneficiary A single Beneficiary may have more than one account Use the Add Account button to add more accounts for the Beneficiary To save your beneficiary please click on the Save beneficiary button and if you want to cancel the record the Cancel button After you confirm the record a message confirming the successful recording of the Beneficiary will be displayed and the Beneficiaries button will appear allowing you to return to the l
93. u want it to be different from the ordering date Save as X Recurrent payment 7 Future payment Periodicity Execution Date Cc gt month 22 082014 Initial Date E Template 29 08 2014 Template name Short name car leasing Visible for all autharised users Management All the registered regular payments are accessible from the Standing menu in the Payments section The system displays two lists with two different sections Active and Inactive regular payments Inactive After you create a regular payment you must activate it You can do that by going to the Inactive section and selecting the payment which you want to activate After that you should click on the Activate button The lists provide also detailed information on the regular payment type name starting date amount period status Here you can edit the regular payment delete it or create a similar payment TRANSFERS 2 T 3 Q ar 3 in leva car leasing IVANOV VANOV 29 08 2014 54500 BGN 3month Waiting for signature 2 In foreign currency me IME TEST 16 09 2014 200 00 USD 1 month Waiting for signature 7 iii gt activate with automatic execution Upon clicking on the Activate with automatic execution button the regular payment will be saved and on the date specified for execution it will be executed automatically without prompting you for confirmation Page 90 of 99 Active H
94. uct tables provide you with systematic information on the current status and parameters of the products that you are using accounts cards savings and loans A click on any of the rows in the tables will take you to the specific product in the respective product section Detailed information on your products as well as the options to manage them and submit requests for new products can be found in the respective section in the Funds menu The Last transactions section provides you with more information on the latest five incoming highlighted in green and outgoing highlighted in red movements in your payment accounts as the Date field shows you the date of recording the transfer and Reference is the unique number of the payment as specified in the Bank s accounting system 2 Administrative part 2 1 Self administration During the process of your registration for use of the remote banking channels you have entered your desired credentials user name password PIN and active operations method a Certificate Qualified Electronic Signature QES or OTP through a display card In case you want so you can change the already selected credentials using the Settings section A Plus 1 Welcome IP 192 168 Change your authorization p device Current username TOOLS Password b PIN Certificates Mobile display card Display card test Edit products Bank clients BG 2 1 1 Changing the use
95. untry Beneficiary Country BULGARIA F BULGARIA Ordering customer Address Beneficiary Address 1408 YN 105 AT1 8 Credit Number ISIN ce ce SIN Ha Operation type 2 6 1 3 Currency exchange request Before you start filling in the currency exchange request you can review the currency exchange rates by clicking on the green strip at the bottom of the page Page 81 of 99 BG37BGUS91601 100090300 05588777 100 00 BGL 1 484000 12 07 2013 67 39 USD BG16BGUS91601000090301 05588777 67 39 USD 1 484000 12 07 2013 100 00 BGN BG937BGUS91601100090300 05589776 Ha 74 20 1 484000 12 07 2013 50 00 USD BG16BGUS91601000090301 05588776 50 00 USD 1 484000 12 07 2013 7420 BGN 1600 1200 800
96. y the system The products displayed by the system are managed by the Settings menu Edit products section BAC B Plus Welcome 192 168 Change your authorization device 4 Current PAYMENTS Password PIN Certificates Edit products BG From here you can choose which products should be hidden or shown in the Transaction Portal managing them using the hide and show buttons The hidden products will only be visible in this section where they can be selected to be displayed again The changes will become effective upon the next log in to the portal Page 58 of 99 2 Welcome IP 192 168 WARNING x Personal details changed Successfully Please log out and in again in for changes to take effect o cc o EDIT PRODUCTS 2 customer type short name visiblity BG U3BGUSS16502400309300 show BG21BG6U391602000309300 hide BGB4BGUSS1502000309302 hide BG91BGUS81502000309301 hide
97. yments are made and the name of the payee Page 87 of 99 UTILITIES FIBER 1 ARENANET FIBER 1 Ltd Client number 444444 Amount 15 00 BGM Account BG43BGUS81501000000000 BGN 532 00 Payment name Internet providers Fiber 1 tions 7 Agreed with general terms and cond Delete After you have loaded the screen with all the bills for payment you may delete one or more bills for payment as you must have to mark them and then click the Delete button The same result may be achieved by clicking on the symbol on each of the selected lines UTILITIES 2 GENERAL REPORT bi V payment name type client number period amount charity 654321 0 00 BGN Details unavailable px Internet providers Fiber 1 FEE EE eee 123456 0 00 BGN Details unavailable 1 Ltd Cu Payment The Payment is effected by clicking the Pay button after having marked the desired bills for payment first 2 6 3 Pending payments All your waiting payments may be accessed through the main menu Payments Pending Page 88 of 99 CREATE NEW FUNDS SERVICES The system displays a list of the payments and their details where you can edit them using the button 4 or creating a similar payment using the gt button TRANSFERS 2 Payments sent GENERAL REPORT 3 from created on execute date amount Currency exchange BG10BGUS91504000000000

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