USER GUIDE INTERNET BANKING FOR
Contents
1. name address street and street number place state appear automatically when you enter the account excluding retail accounts held with other domestic banks for which you need to enter the data BIC SWIFT address Name of the payee s bank is filled in automatically from the payee s account External purpose code four letter code according to the ISO 20022 international standard for the standardised defining of the transaction purpose entry is optional with the exception of disbursement of salaries disbursement of business trip allowances for private individuals holding accounts with PBZ and when issuing orders for cover transfer fee collection for mass specifications for which data file is created SALA payment of salaries disbursement of salaries to FX retail accounts filled in before entering the payee data BEXP business expenses disbursement of business trip allowances filled in before entering the payee data PAYR pay roll calculation transfer of cover collection of fee mass specifications filled in before entering the payee data Bank charges selection of OUR BEN or SHA option If the field is blank it is assumed that the charge option is 3 SHA Payment description free textual description of payment in maximum 4 lines with 35 characters entry is mandatory Payment instrument offered value is remittance it is possible to choose also the remittance refund Execution date date on wh2. IKA ZAGREB USER GUIDE PBZCOM NET INTERNET BANKING FOR CORPORATES PAYMENTS Zagreb June 2015 PBZ a bank of INTESA SANPAOLO TABLE OF CONTENTS SE IY WARNING reece taser zoen cpa eters tat eeigatatnbipotgdeinecpcta E O WHAT PAYMENTS CAN BE MADE BY USING PBZCOM NET 0 ee NATIONAL PAYMENTS IN DOMESTIC CURRENCY i ieeeee reer eeeateeeeeeees NATIONAL PAYMENTS IN FOREIGN CURRENCY 0 0 eeeeeeeee eee eeeeaaeeeeeeees INTERNATIONAL CROSS BORDER PAYMENTS IN DOMESTIC AND FOREIGN IG ccc nce cetacean poset eateries een detteneeaetene PAYMENTS WITH THE USE OF TEMPLATES cccccceceseeeeceeeeeeceeseeeeaeseeesanees PROCESS OF SENDING ORDERS AND VIEWING THEM BY STATUSEG Preparation Of orders ccccceeccceececeeeceeeeceeeeseeeeeeeeeseeeseeeeseeeesseeseaeeeaeeesaeeesaeeesaeeeeas Signature and execution Of order ccccccccsececceeceseeeeesodeeesceeeecceeeeseeeesceeeesss Global list Of ACCOUNTS ccccceeccceececeececeeeeceeeececeseucesececeueeseeeteueessneessneetaess White list Of ACCOUNMS cccccccceccceeceeeceeeceeeceeeseeeeeeseeeseeeseeseeesueseeeseeeseeeaeesanes Modes of additional signing of orders referring to uncustomary transactions PS tc ee en ne nc ee eee ee eee Review of orders Sent for execution cccceeccsececeeeeeeeeeeeseeeseeeeseeeseeeseeeaeeeas Review Of EXECUTE OFCELS ccccccceecccececeeeceeeeseeeceeeceueeseeeseeeceeeesueeseeesee
3. payments Payee Bulk orders Payee account number Naticnal orders Kuna National orders FC Remittance advice of the payee HR International cross border ord e rS ii Payment details irao Purposes code i Matured obligations Display of arrears f Payment description Solvency information Issue BON 2 Date of execution 2 Save Save and New Send to a signature New template Return Figure 4 national payments in local currency HKR NATIONAL PAYMENTS IN FOREIGN CURRENCY Payer s name Name address street number place it is filled in automatically pursuant to a selected account Payer s account can be selected from the list of accounts jointly with the currency cover or entered in IBAN construction Cover currency filled in from the list of accounts list of currencies or the character denotation of the currency is entered EUR USD CHF HRK Fee account can be selected from the list of accounts jointly with the currency or entered in IBAN construction If the field is blank it implies the account specified in the field Payer s account Fee currency filled in from the list of accounts list of currencies or entered in the form of character denotation of the currency HRK EUR If the field is blank it implies that the currency of the fee is HRK Payer remittance advice Debit number ex Payer reference optional field e model possible following options blank pre defined HR or RF e remittance advic
4. rount Bulk order i Templates Date to Amount to Payee s name Payer account Overview order National orders Kuna J Review orders from the archive National orders FC International crossborder payments Receiving time Order number Payee Amount and currenac PDF Bulk orders y z Date of execution National orders Kuna 10 31 2014 11 52 07 National orders FC 1 2014906273436 112442340009 ieee 401 00 HRK 10 31 2014 a International crossborder FTR E IME0805724673036 PREZIME0805724673036 40 30 2014 13 45 22 orders 2 2014906242960 1247531000 S0 00HRK 1030044 a Matured obligations Total 451 00 HRK Display of arrears Solvency information Orders download in issue BON 2 Figure 135 executed orders Review of rejected orders Select the desired type of order in the section Pregled naloga Order review Select the option Rejected orders By clicking the Order number you can see the order details and place a new order using the rejected one ACCOUNTS PAYMENT S FX DEALS TERM DEPOSIT FINANCIAL OPERATIONS INWEST MENT CARDS MESSAGES PREFERENCES New order In preparation For signing For execution In execution Executed Rejected e Search National orders Kuna Natonal orders FC Filtenng Intematonal crossborder a z orders oF ayee s Date from DAT 2074 2 Amount from SOENE Bulk order Templates Date tor l Amount to Payee s name Payer account Overview order National o
5. 0 00 Page 21 National payments in foreign currency DISBURSEMENT OF SALARIES AND BUSINESS TRIP EXPENSES In the segment of national payments in foreign currency salaries can be disbursed or business trip expenses paid to FX retail accounts held with PBZ Salaries can be paid individually or using the payees accounts list specification in IBAN or a shortcut format eleven digit number of a foreign currency retail account 2XXXXXXXXXX and associated amount in corresponding foreign currency EUR USD GBP In order to enter the specification list of individual recipients you need to choose the Purpose code SALA Payment of salary or BEXP Business expenses which will activate the field Specification of recipients at PBZ and after the Check box is turned on the list for the entry of more individual recipients will open After entering the number of individual recipient s account and the corresponding amount in foreign currency by pressing the key Dodaj primatelja Add recipient plus all the data on the recipient full name address place are retrieved and the recipient is added to the list When adding one recipient these same blank fields for entering other recipients will reopen Payer Name Tyrika 1 0 0 Address ULICASS38481 358481 City ZAGREB Cover Account HR15234000911100 XXXXX Compensation account Remittance advice of the payer Amount and currency Urgent L 7 Payee Specification of r
6. characters lett Save Save and New New template Return Figure 23 Orders for transfer of cover collection of fee bulk specifications Page 23
7. list of accounts and click OK wish to add the payee s account s to the White List of Accounts Signature o Ok Cancel Figure 113 secondary authorisation with QR code Page 14 Case 3 If you created an Uncustomary order and you have autonomous authority to perform payment transactions as Superuser or autonomous user but you have not contracted PBZmToken as the secondary device for the second signature after the creation of such Uncustomary order and the system s notification to the Bank s Customer Call Centre thereof the CCC employee will contact the End User who created the order by phone and after the identification of the End User the employee will check if it is the order created by that same End User verifying all details of the order and will ask the User if he she wishes to add the payee s account from that order to the White list of accounts of that User If the End User s answer is affirmative the employee will add the payee s account number to your White list of accounts and send the order back for processing re signing of such created order by the User and sending the order for execution This means that next time you will be able to execute payments without repeated signing Such phone conversations are recorded and the Bank is authorised to use the audio records as evidence for adding the payee s account to your White list of accounts and as confirmation of the contents of the order discus
8. name address street number place it is filled in automatically pursuant to selected account Payer s account can be selected from the list of accounts jointly with the cover currency or can be entered in IBAN construction Cover currency filled in from the list of accounts list of currencies or the character denotation of the currency is entered EUR USD CHF HRK Fee account can be selected from the list of accounts jointly with the currency or entered in IBAN construction If the field is blank it implies the account specified in the field Payer s account Fee currency filled in from the list of accounts list of currencies or entered in the form of character denotation of the currency HRK EUR If the field is blank it implies that the currency of the fee is HRK Payer remittance advice Debit number ex Payer reference optional field e model possible following options blank pre defined RF or HR e remittance advice o if the model is blank there is no control over entered values o if the model is RF control module as per ISO standard 11649 international RF standard o if the model is RH control of remittance advice according to the Uniform list of basic remittance advice models and effective Ordinance on the manner of paying the budget revenue compulsory contributions and revenues for financing other public requirements Amount amount in n nnn dd format Payment currency foreign currencies can
9. requirements e remittance advice up to 22 numeric characters with dashes as per the model External purpose code four letter code according to the ISO 20022 international standard for the standardised defining of the transaction purpose entry is optional SALA Payment of salary disbursement of salaries to retail kuna accounts filled in before entering the payee data Payment description free textual description of payment in maximum 4 lines with 35 characters entry is mandatory Execution date date on which the payer s transaction account is debited and payment order executed For regular payments current date the date is not entered but is filled in automatically depending on the type of order internal orders external orders NCS and CRTGSS and on the time of sending the order for Page 3 execution For standby orders with future value date selected is the execution date up to 3 months in advance USB stick S mg IF PBZCOM NET wnt ACCOUNTS PAYMENTS FXDEALS TERM DEPOSITS FINANCIAL OPERATIONS INVESTMENT CARDS MESSAGES PREFERENCES New order Payer National orders Kuna National orders FC Name Tvrtka d 0 0 oo en Address street and nbr ULICA388481 388481 Templates City ZAGREB Overview order Account number HR152340009XXXXXXXXXX ga Naticnal orders Kuna atonal orders Kuna Remittance advice of the payer HR National orders FC International crossborder Amount HRK Urgent RE
10. to i Order Receiving time Order number Status Amount and currency iv 1 20150001468550 02 16 2015 14 35 43 6 Unsigned 4 500 00 HRK Return to update 2001 2015 Privredna banka Zagreb d d Figure 19 signing and execution of a file Page 19 NOTE If you have the authority of a Super User you can also choose the option Sign and execute If the authority is split so that there is a separate authority for signing and a separate for execution you will be able to access a separate option Sign and within the box For execution the option Execute OVERVIEW OF ORDERS GIVEN VIA BULK ORDERS Orders given via bulk orders can be viewed using links provided in the paragraph OVERVIEW OF BULK ORDERS Bulk orders are classified in the same way as individual orders into 3 types National payments in the domestic currency National payments in foreign currencies and _ International cross border payments in the domestic and foreign currency By clicking on the number of a particular bulk order you can access individual orders from that bulk order and you may print out a confirmation in PDF format about the executed order and a SWIFT ACK for international payments in the domestic and foreign currency At the same time you will be able to revoke i e cancel the entire bulk order as well as to revoke an individual order within a relevant bulk order by choosing the option REVOKE NOTE For the time being you can view the proces
11. OSITS FINANCIAL OPERATIONS INVESTMENT CARDS MESSAGES PREFERENCES New order HOTICE National orders Kuna Order 62029437 is saved and sentto signing National orders FE International cross border Inpreparation Forsigning Forexecution Inexecution Executed Rejected We Search orders Bulk order Templates Ir Number Payee Amount and currency Status Date of execution BANKA88323583 hz 1 62829437 1 500 00HRK Unsigned 10 31 2014 aa ee 202360000500 Ea Overview order HR20236000 E National orders Kuna National orders FC Sign and execute Return to update International crass border jayments weicad i pa Baars Orders download in bas Bulk orders National orders Kuna National orders FE Intemationalicrossborder orders Matured obligations Display of arrears Solvency information Issue BON 2 Figure 9 order signing and execution Global list of accounts Global list of accounts contains payees accounts bank accounts utility services accounts telecommunication services accounts government and local budget accounts and similar accounts held by business entities considered by the Bank to be safe payees Global list is defined in the Bank s system and applies to all the PBZCOM NET service Users and it is not possible to review the list in the PPZCOM NET service White list of accounts White list of accounts contains the list of payees accounts in national and international
12. ate new order NOTE you can choose the option Send for signing without previously selected option Verify Payer Account number bas Remittance advice of the payer HR Amount HARK Urgent E 7 Payee IBAN Payee s account F Remittance Advice of the payee HR Payment details Purposes coe ay Payment desgnpikon Date of execution 1a Save Save and Mew New tempate Return send lo a wgnaiure Figure 8 order preparation Signature and execution of order Choose the desired type of order in the section Pregled naloga Review of orders Choose the option Orders for signing Mark the orders you wish to sign by selecting the option Sign the order or to sign and immediately execute by selecting the option Sign and execute If you wish to send the order back for additional processing select the option Return to final processing By clicking the Number you can see the order details and work on it With each signing of a transaction it is necessary to re enter the PIN to confirm the signing of transaction Page 11 NOTE orders marked as IMPORTANT and having only One first signature should be additionally confirmed with another signature because an UNCUSTOMARY TRANSACTION is identified Uncustomary transaction means each first payment credited to an account which is indicated neither on the Global list of accounts nor on the White list of accounts ACCOUNTS PAYMENTS FX DEALS TERM DEP
13. autorisation method and mToken e PKI method uses Smart cards and USB sticks as media carriers for qualified Fina certificates serving for authorisation and electronic signing of transactions e mToken device supports the QR mPotpis Signature method for authorisation signing of transactions Review of orders sent for execution Choose the desired type of order in the section Pregled naloga Order review Select the option Orders received for execution If you wish to cancel the orders mark the order and select the option Cancel By clicking the Order number you can see the order details and work on it J6 ACCOUNTS PAYMENTS FX DEALS TERM DEPOSITS FINANCIAL OPERATIONS INVESTMENT CARDS MESSAGES PREFERENCES New order in preparation For signing For execution In execution Executed Rejected Ye Search National orders Kuna National orders FC eee Filtering Intermational crossboarder orders nal E ayee s 1026 Date from 10 26 2014 es 2 Amount from sara Bulk order Templates Date to Amount to Payee s name p Fayer account Overview order ies National orders Kuna Status National orders FC Intemationalicrass border payments p gt Receiving time Bulk orders Ir Onder number Payee Amountand currency Status i Date of execution National orders Kuna AMER RETO IERS REO dA TEAS s POESIE nN Paro ral laea gt 1Ha 201A TS Se Nationa orders FE 1 2014906273596 HR202350000 WAA 1 500 00 HRK In pr
14. be chosen from the list of currencies or entered in the form of character denotation of the currency EUR USD CHF Urgency mark denoted with the sign V and means URGENT execution entry is optional option URGENT is extra charged as per the Decision on fees Payee s account number IBAN entry of account number in IBAN construction up to 34 characters depending on the country of the payee s bank or entry of account number when it is not in IBAN construction it is a mandatory field except when the Payment instruments are cheques and collection of bills Payee remittance advice Credit number optional field e model possible following options blank pre defined RF or HR e remittance advice o if the model is blank there is no control over entered values o if the model is RH control of remittance advice according to the Uniform list of basic remittance advice models and effective Ordinance on the manner of paying the budget revenue compulsory contributions and revenues for financing other public requirements o If the model is RF control module as per ISO standard 11649 international RF standard Payee s name name address street and street number place state mandatory entry of all data Page 7 Payee person entity it is possible to choose Private individual Business entity mandatory choice BIC SWIFT address Name mandatory entry if there is a BIC bank address If there isn t it is mandatory to e
15. cross border payments to which you made payments in the period 6 June 2018 till 6 June 2014 via PBZCOM NET and mPBZCOM service in National International Cross border payments You can review the White list of accounts in PBZCOM NET in the part Postavke gt Bijela lista ra una Settings gt White list of accounts Page 12 ACCOUNTS PAYMENTS User preferences My preferences White List of Accounts Authorisations Orders for authonzation a z eect i Ki Authonsaton rights SERVICES ered FX 11 Prepared orders Executed orders FX DEALS TERM DEPOSITS FINANCIAL OPERATIONS White List of Accounts INVESTMENT CARDS MESSAGES 4 PREFERENCES HRS323400091 1XXRRMARK HR3123400091 1 XXXEXEX HRI5248100011 XAXRRKKK HR37233000317 XRXKARKX HRIS24020061 1 XKARRAKK Figure 80 Display of the White list of accounts Modes of additional signing of orders referring to uncustomary transactions For each created order specifying the payee account which is not included in the Global list of accounts and White list of accounts hereinafter Uncustomary order the Bank reserves the right to request double additional signing of orders from Users and End Users following the method displayed in Pogreska Izvor reference nije pronaden CASE 1 Case 1 First signature Person 1 signatory Person 1 Ferson 1 Person 1 First signature a Person 2 signatory Person 1 J White l
16. der bulk order number 20150001468552 in preparation For signing Forexecution In processing Processed Rejected fe Search Filtering Date from 01 16 2015 2 Date to ir Order Receiving time Order number Status Amount and currency Ig 1 20150001468552 2 16 2015 14 44 53 6 Entered 4 500 00 HRK 2001 2015 Privredna banka Zagreb d d Figure 18 overview of uploaded files NOTE If you wish to delete an uploaded file choose Delete For signing Select the orders you wish to sign by choosing the option Sign or if you wish to sign it and promptly execute by choosing the option Sign and execute If you wish to amend a bulk order choose the option Return to update PBZCOM NET ACCOUNTS PAYMENTS New order National orders Kuna National orders FC International crossborder orders Bulk order Templates Overview order National orders Kuna National orders FC International crossborder payments Bulk orders National orders Kuna National orders FC Intermational crossborder orders Matured obligations Display of arrears Solvency information Issue BON 2 FX DEALS ao nn nn nnn nee eee Tyrtka d 0 0 Jes a ONTACI LOGOUT TERM DEPOSITS FINANCIAL OPERATIONS INVESTMENT CARDS MESSAGES 9 PREFERENCES g NOTICE Number of orders sent to signing 1 in preparation For signing For execution in processing Processed Rejected Ye Search Filtering Date from 01 16 2015 2 Date
17. e Page 4 o if the model is blank there is no control over entered value o if the model is HR control of remittance advice according to the Uniform list of basic remittance advice models and effective Ordinance on the manner of paying the budget revenue compulsory contributions and revenues for financing other public requirements o If the model is RF control module as per ISO standard 11649 international RF standard Amount amount in n nnn dd format Payment currency foreign currencies can be chosen from the list of currencies or entered in the form of character denotation of the currency EUR USD CHF Urgency mark denoted with the sign V and means URGENT execution entry is optional option URGENT is extra charged as per the Decision on fees Payee remittance advice Credit number optional field e model possible following options blank pre defined HR or RF e remittance advice o if the model is blank there is no control over entered value o if the model is HR control of remittance advice according to the Uniform list of basic remittance advice models and effective Ordinance on the manner of paying the budget revenue compulsory contributions and revenues for financing other public requirements o If the model is RF control module as per ISO standard 11649 international RF standard Payee s account number entry into IBAN account construction HRxxnnannnnnannnnnnnnnn 21 characters Payee s name
18. ecipient in ru No Account pany First and Foreign name Recipient information Amount Total sum 0 00 Payment details Purposes code SAA Beo Bank fees Divided expense SHA Payment description Payment instrument Remittance Date of execution 7 Comment 105 characters leit Check Save Save and New New template Retum Figure 22 national payments in FX entry of specification of recipients at PBZ Page 22 In the field Amount and currency on the order mask entered is the total amount of order that should correspond to the Total amount and currency on the recipients list sum of individual amounts and in the field Amount on the list of the recipients specification of recipients entered is the amount corresponding to each individual recipient BULK SPECIFICATIONS To enter the order for the transfer of cover collection of fee for bulk specifications for which the recipient data file is created it is required to choose the Purpose code PAYR Payroll calculation Payer Name Tvrtka d_o 0 Address ULICA385481 38848 City ZAGREB Cover Account HR15234000911100XXXXX gt Compensation account Ea Remittance advice of the payer Amount and cunrency D Urgent E 8 Payee According to the recipient specification in a file number Payment details Purposes code Bank fees Divided expense SHA Payment description Payment instrument Remittance Date of execution zs Comment 105
19. esseeess Review Of rejected OFCELS cccceeccceececeeeeceeeeceeeeceeeeseeeeseeeseeeseeeesseeesaeeesaeeeeas PROCESS OF SENDING BULK ORDERS serres eee stare eee erence OVERVIEW OF ORDERS GIVEN VIA BULK ORDERG cccccceeecceseeeeeeseaeeeees DISBURSEMENT OF SALARIES BUSINESS TRIP ALLOWANCES AND BULK SPECIFICATION ho Cee eee eee ee en ete em E E E eee National payments in local currency cccceecceeeeneeeeeeeeeeeeseeeseeeseeeeneeeseeeeaeeens National payments in foreign CULTENCY ccccccceeeeceeeceeeeeeeeneeeseeeeeeeeneeeseeeeaeeens pees 3 Page 1 SECURITY WARNING IMPORTANT NOTICE Upon finishing the work in the service please act according to instructions set out in the image Figure 1 SAFETY WARNING Please do not leave the smart card USB device unattended After working in PBZCOM NET application be sure to remove the smart card from the reader the USB device from the computer and store them in a safe i H place r7 Carefully keep payment instruments user names passwords codes PINs and other identifiers protecting them from theft loss damage or misuse without distributing them to others Preventive apart from removing the smart card or USB device regularly update anti virus protection on their computers and regularly install security patches to operating systems and Internet browsers and pay attention to suspicious e mails and programs for remote access to y
20. ew order Matured obligations Display of arrears Solvency information Issue BON 2 Privredna banka Zagreb dd Figure 17 Uploading of bulk order files If a bulk order file is rejected a notice will appear on the screen Receiving of bulk order files showing the file name and the reason for rejection After a file has been successfully uploaded the bulk order will be shown in the Orders Overview under the order type to which the relevant file belongs National payments Kuna National payments FC and International Cross border payments HRK or FC In preparation e Select the bulk order you wish to send for signing by choosing the option Send to signing e By clicking on the number of a bulk order you may view details of the order except for the type 4 of the bulk order payment of wages Page 18 PBZCOM NET ACCOUNTS PAYMENTS New order National orders Kuna National orders FC International crossborder orders Bulk order Templates Overview order National orders Kuna National orders FC International crossborder payments Bulk orders National orders Kuna National orders FC International crossborder orders Matured obligations Display of arrears Solvency information Issue BON 2 FX DEALS Tvrtka doo S LOGOUT TERM DEPOSITS FINANCIAL OPERATIONS INVESTMENT CARDS MESSAGES PREFERENCES NOTICE Bulk order file bulk_order_file txt is successfully uploaded un
21. for non consumers The User who has not accepted double signing of Uncustomary orders as described in Cases 1 2 and 4 is responsible for the damage that could be inflicted upon him her if executing such orders Uncustomary order double additionally signed in any of the above described manner Cases 1 4 and sent for execution authorised fully commits the User who may not demand from the Bank the compensation for any damage possibly inflicted upon him her as a result of executing the Uncustomary order signed in line with described Cases 1 4 Limits Limits set in the PBZCOM NET service have been introduced for security reasons Daily limit refers solely to payment transactions National payments in kuna National payments in foreign currency International and cross border payments They are contracted in HRK and FX transactions are converted at the PBZ mean rate of exchange The User of electronic banking is allowed to sign the number of payment orders having the total amount within the contracted limit for a particular service and authorisation method Upon sending back the signed orders for processing the unused limit increases for the amount of orders sent back Page 15 The User stipulates the amount of limit in the Request for the contracting of Privredna banka Zagreb d d electronic banking services for corporates and granting of authorisations for end users PBZCOM NET internet banking for corporates can be used by applying the PKI
22. ich the payer s transaction account is debited and payment order executed For regular payments current date the date is not entered The payment value date with respect to the Page 5 execution date is defined by General Operating Terms Cut Off Time For standby payment orders with future value dates selected is the execution date up to 3 months in advance from the date of their receipt in the Bank s IT system Note used to enter additional information message to the Bank You may enter into the Note e Additional requests info for the Bank e g fax number mail if the client wishes the Confirmation of executed order to be delivered to a special number information that the Confirmation Deal is pending etc e Other messages you wish to forward to the Bank Payer Name Tyrika do a Address ULICA388481 388481 City ZAGREB Cover Account HR15234000911100XXXXX Compensation account Remittance advice of the payer s Amount and currency D Urgent E amp Payee Payee account number 7 Remittance advice of the payee s Name Address street and number City State ga Payment details Purposes code gt a 7 Bank fees Divided expense SHA w Payment description Payment instrument Remittance Date of execution 2 Comment 105 characters lett Figure 5 national payments in foreign currency Page 6 INTERNATIONAL CROSS BORDER PAYMENTS IN DOMESTIC AND FOREIGN CURRENCY Payer s name
23. ist of accounts Person Figure 91 procedure of additional double signing of order When there are two signatories using Smart card USB stick and an uncustomary order is created such an order to be sent for execution authorisation requires double signing regardless of the authorisation role of the signatories Superuser Single power signatory If you wish to include the new payee account into the White list of accounts tick the denotation reading I wish to add payee s account s to the White list of Accounts and click OK Page 13 i NOTIFICATION Payee s accounts is are not on your White List of Accounts see definition of the List in Instructions mt wish to add the payee s account sjto the White List of Accounts Ok Cancel Figure 102 confirmation for adding payee account s to the White list of accounts Case 2 If you have autonomous authorisation for performing transactions as a Superuser or Autonomous user and there is no other signatory and you use the Smart card USB stick you should contract the PBZmToken as the secondary device for the second signature at the nearest SINERGO desk Uncustomary transaction requires additional signing with PBZmToken by scanning QR code option QR mPotpis QR mSignature on PBZmToken main menu If you wish to add the new payee s account to the White list of accounts tick the denotation reading wish to add payee s account s to the White
24. ists of the following model 67 the reference number specifying the OIB tax ID number of the company for which the salary is disbursed and the month and year for which the salary is disbursed as well as the salary detail lt oib gt lt MMYY gt lt xX gt Maximum number of specification items for salary recipients at PBZ is 50 and specification items are not displayed in the turnover and statement which show only the total amount of cover for all salaries ACCOUNTS PAYMENTS New order National orders Kuna National orders FC International crossborder orgers Bulk order Templates Overview order National orders Kuna National orders FC International crossborder payments Bulk orders National orders Kuna National orders FC International crossborder orders Matured obligations Display of arrears Solvency information issue BON 2 Payment details Purposes code SALA Payment description Date of execution Save and New Send to a signature New template Total sum Figure 21 entry of specification of salary recipients at PBZ Return FX DEALS TERM DEPOSITS FINANCIAL OPERATIONS INVESTMENT CARDS MESSAGES 35 PREFERENCES Payer Name Address street and nbr City ZAGREB Account number HR2123400091510575904 es Remittance advice of the payer HR 2 Amount 30 000 00 3 HRK Payee Specification of recipient in PBZ t No Account party Firstand Foreign name Recipient information Amount
25. nter the data on the payee s Bank Name Address Street number Place State except when the Payment instrument are cheques External purpose code four letter code according to the ISO 20022 international standard for the standardised defining of the transaction purpose entry is optional Bank charges selection of OUR BEN or SHA option If the field is blank it is assumed that the charge option is 3 SHA Payment description free textual description of payment in maximum 4 lines with 35 characters each entry is mandatory Payment instrument offered value is the remittance it is possible to choose also cheques collection of bills remittance refund cheque refund Execution date date on which the payer s transaction account is debited and payment order executed For regular payments current date the date is not entered The payment value date with respect to the execution date is defined by General Operating Terms Cut Off Time For standby payment orders selected is the execution date up to 3 months in advance from the date of their receipt in the Bank s IT system Note used to enter additional information message to the Bank You may enter into the Note e Additional requests info for the Bank e g fax number mail if the client wishes the Confirmation of executed order to be delivered to a special number information that the Confirmation Deal is pending etc e lf the URGENT tag is entered additional explana
26. ocessing 10 34 2014 3 te Intamationalicrossborder orders Orders download in Matured obligations meva Ma Display of arrears Solvency information Issue BON 2 Figure 124 list of orders in execution NOTE excerpt from General Terms of electronic banking for corporates EXECUTION OF PAYMENT TRANSACTIONS 5 A payment order issued via electronic banking service but only a standby order with future value date can be cancelled via that electronic banking service if the User wishes to do so before the cut off time for receipt of orders on a business day which precedes the business day in the curse of which the order is to be executed in the manner provided for in the instruction for a particular electronic banking service allowing the issue and cancellation of orders which instruction is posted on the Bank s website www pbz hr Page 16 Review of executed orders Select the desired type of order in the section Pregled naloga Order review Select the option Executed orders By clicking the Order number you can see the order details and work on it 36 ACCOUNTS PAYMENTS FXDEALS TERM DEPOSITS FINANCIAL OPERATIONS INVESTMENT CARDS MESSAGES PREFERENCES New order in preparation Forsigning fForexecution Inexecution Executed Rejected Ye Search National orders Kuna National orders FC Filtering international crossborder z orders i ayee s Date from 10 26 2014 amp Amount from
27. our computer if you use them Close Figure 1 security warning for PBZCOM NET service If you notice that the web page does not start with https comnet pbz hr end your work immediately because you are not on the Bank s web pages By clicking the lock placed in front of or beside the web address for accessing the PBZCOM NET service make sure you check if the address is correct Pogreska Izvor reference nije pronaden ComnetWeb app comet html f https comnet pbz hr Pb Pp Ee L Figure 2 correct web page check IE When you click the lock icon in the Internet Explorer IE the image will appear Pogreska Izvor reference nije pronaden displaying the correct service page Tananan E Website Identification PEZRootCaA has identified this site as This connection to the server is encrypted Should I trust this site View certificates Figure 3 correct result of security check IE Page 2 WHAT PAYMENTS CAN BE MADE BY USING PBZCOM NET Types of payments in national cross border and international payment system e National payments in local currency e National payments in foreign currency e _International cross border payments in local and foreign currency NATIONAL PAYMENTS IN DOMESTIC CURRENCY Payer s name Name address street number place it is filled in automatically pursuant to selected account Payer s account number can be entered in the IBAN construction or cho
28. rders Kuna Matonal orders FE Intematonalcroass border payments SS Bulk orders Order number Payee TE sense Status see ese aes aE el k y CUmency Rejection date for rejection Mathonal orders kuna Natonal orders FC 4 2014904015767 433 00 HRK Recalled epee Oi TOTES Recated Intematonalicross border HR1622340009 orders 2 seasosnis7ves __ 120 00HRK Recalled Ge esots OTTSS Recalled Matured obligations HR1623400099 Display of arrears e f 3 2014904015765 1450 00 HRK Recalled SOTEY20T4 10 17 36 peated HR1623400099 PEDRARES Solvency information a 4 0O 3 5 0 issue BON 2 4 2014904015708 133 00HRK Recalled DoDo Ti O8S5 01 Recalled HR16523400099 Figure 146 rejected orders Page 17 PROCESS OF SENDING BULK ORDERS Bulk order files of the types 1 2 3 and 4 method of execution 2 can be uploaded using the box New order Bulk order Receiving of bulk order files e Select a generated file by using the option Choose file e Upload the chosen file by using the option Upload file NOTE It is not necessary to sign a file via the application eUred eOffice before it is uploaded a V a N SE PS it PBZCOM NET isa ars i INTACT LOGOUT ACCOUNTS PAYMENTS FX DEALS TERM DEPOSITS FINANCIAL OPERATIONS INVESTMENT CARDS MESSAGES 3 PREFERENCES New order Bulk order file upload National orders Kuna a bulk_order_file txt Choose file nternational crossborder Upload file Bulk order emr Overvi
29. sed files via the box PROCESSED ORDERS ACCOUNTS PAYMENTS FX DEALS TERM DEPOSITS FINANCIAL OPERATIONS INVESTMENT CARDS MESSAGES PREFERENCES New order in preparation For signing Forexecution In processing Processed Rejected Ye Search National orders Kuna re National orders FC riltering International crossborder n Date from 09 30 2014 2 Bulk order Templates Date to a Overview order National orders Kuna National orders FC Tr Order Receiving time Order number Status Amount and currency International crossborder n i oe SEs pae z payments 1 2014000 MMF 10 30 2014 10 45 05 37218 Entered 169 909 462 13 HRK Bulk orders n National orders Kuna Send to signing Delete National orders FC International crossborder orders Matured obligations Display of arrears Solvency information Figure 20 bulk orders Page 20 DISBURSEMENT OF SALARIES BUSINESS TRIP ALLOWANCES AND BULK SPECIFICATIONS National payments in local currency In the segment of national payments in local currency kuna salaries can be paid to retail accounts You can pay the salaries individually or using the payees accounts list specification in IBAN or shortcut format ten digit number of a retail account 3xxxxxxxxx and corresponding HRK amount In order to enter the specification list of persons receiving their salary at PBZ you need to choose the Purpose code SALA Payment of salary The debit reference number cons
30. sed over the phone The End User is obliged to listen with duty of care to everything he she is told by the Bank s CCC employee during the phone conversation and is responsible for all confirmations and data he she provided over the phone on which the Bank relied when following this Guide and executing the Master Agreement Case 4 When there are two signatories using PBZmToken and an Uncustomary order is created such an order to be sent for execution authorisation requires double signing regardless of the authorisation role of the signatories Superuser Single power signatory If you wish to include the new payee account into the White list of accounts tick the denotation reading I wish to add payee account s to the White list of accounts and click Confirm Pogre ka Izvor reference nije pronaden Uncustomary order which is not double additionally signed as described in cases 1 4 is not deemed issued and correct and as such will not be executed by the Bank The document Cut Off Time will not apply to such an order Double additional signign of Uncustomary orders by Users in any of the above described ways does not exonerate the User from the obligations and responsibilities specified in General Terms for the use of Privredna banka Zagreb d d electronic banking services for corporates and in General Operating Terms of Privredna banka Zagreb d d for transaction accounts and performance of payment and other services
31. sen from the list of accounts Payer remittance advice Debit number before debit e model HR is entered and it is necessary to add a two digit model of control over the remittance advice according to the Uniform list of basic remittance advice models and effective Ordinance on the manner of paying the budget revenue compulsory contributions and revenues for financing other public requirements e remittance advice up to 22 numeric characters with dashes as per the model Amount amount in n nnn dd format Payment currency letter characters of the currency HRK entered value Urgency mark denoted with the sign V and means URGENT execution through HSVP Croatian Real Time Gross Settlement entry is optional option URGENT is extra charged as per the Decision on fees IBAN Payee s account number entry into IBAN account construction HRxxnnnnnnnnnnnnnnnnn Payee s name payee s name and address street place state automatically appear when you enter the account number excluding retail accounts held with other domestic banks for which it is necessary to enter the data Payee remittance advice Credit number before credit e model HR is entered and it is necessary to add a two digit model of control of the remittance advice according to the Uniform list of basic remittance advice models and effective Ordinance on the manner of paying the budget revenue compulsory contributions and revenues for financing other public
32. tails and with the possibility to change it or to create a new order using the template 10 ACCOUNTS PAYMENTS FX DEALS TERM DEPOSITS FINANCIAL OPERA TIONS INVESTMENT CARDS MESSAGES PREFERENCES New order Kuna Foreign currency Intemational crossborder National orders Kuna National orders FC Filtering Interational crossborder orders Template name Templates Search Overview order National orders Kuna National orders FC E International crassborder Senis jiri Ta Template name Payee Description NETTO PLACA 12 2009 est Bulk orders 1 AR National orders Kuna FLACANJE RCN National orders FC 2 AUT fo International cross border orders PLACANJE RCN m 3 Au i ie Matured obligations PLACANJE RCN Display of arrears 4 fa Solvency information mid 5 Crow s ssue BON 2 i Kratkoro na pozajmica um 6 po ugoworu ee Figure 7 templates If you wish to delete the templates tick those you wish to delete and click the button Delete templates The search by template name is also possible by entering the name in the field Template name and by clicking the button Search Page 10 PROCESS OF SENDING ORDERS AND VIEWING THEM BY STATUSES Preparation of orders Enter all the necessary data in the order Select the option Verify order If the order was duly verified select the option Send for signing the order can be just saved by selecting the option Save or Save and cre
33. tion of the term URGENT e Other messages you wish to forward to the Bank Page 8 Address City Cover Account Compensation account Remittance advice of the payer Amount and cunmency Payee Payee s accountiBAN Remittance advice of the payee Recipient person Name Address street and number City State BIC SWIFT Name Payment detail Purposes code Bank fees Payment description Payment instrument Date of execution Comment Tvrtka d 0 0 ULICA388481 388481 ZAGREB 1HR15234000911100 000K a A ae 6 2 o o pooo Eoo urgent O0 9 individual Legal e e n Figure 6 international cross border payments in local and foreign currency Page 9 PAYMENTS WITH THE USE OF TEMPLATES Payment by using the templates can be made within the segment of Payments by selecting the link Templates within the section New order Templates are divided equally as the orders in three types National payments in local currency National payments in foreign currency and International cross border payments in kuna and foreign currency The list of templates contains the data on the template name payee s name and payment description as well as the icon for the creation of new order By clicking the icon for the creation of new order the new order screen will open with the template data By clicking the link with the template name the screen will open with template de
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