Poslovni user guide

Poslovni Bank@Net user guide Version 5.1 In force since 12.02.2018 Poslovni Bank@Net user guide 1

List of Terms Term DIGITAL CERTIFICATE PASSWORD BANK BS E-INVOICE RECIPIENT BANK B2B scheme CASH MANAGEMENT CROSS-BORDER PAYMENT TRANSACTION DUE DATE BUSINESS DAY DEBTOR DOMESTIC PAYMENT TRANSACTION OTHER PAYMENT TRANSACTION Explanation A combination of 8 characters specified by the user at the login to the Poslovni Bank@Net application using a qualified digital certificate. This password is used at every single login to the Poslovni Bank@Net application using a digital certificate and in signing the packages to be sent to the bank. Nova KBM d.d. Bank of Slovenia The bank through which the e-invoice recipient receives e-invoices from their issuers, for which the recipient subscribed via Poslovni Bank@Net. SEPA DB defines the rules, standards and procedures for the execution of SEPA direct debits, where both the payer and the payee are legal entities. Management of cash in the accounts of subsidiaries in Slovenia and abroad. A payment transaction between two Member States in any currency of Member States. Nova KBM performs non-cash transactions in the following Member State currencies: EUR, GBP, DKK, SEK, NOK, CHF (Liechtenstein), PLN, BGN, HUF, CZK and HRK. The day the bank approves or charges the account and which is taken into account in the calculation of interest. The day on which the payer s or the payee s bank, which participates in the execution of the payment transaction, operates in such a manner that enables the execution of payment transactions to its user. A person with the obligation to make the payment. A payment transaction within Slovenia in any currency of Member States. Nova KBM performs non-cash transactions in the following Member State currencies: EUR, GBP, DKK, SEK, NOK, CHF (Liechtenstein), PLN, BGN, HUF, CZK and HRK. A payment transaction within Slovenia or a payment transaction between two Member States in any third country currency or a payment transaction with a third country in any currency. Nova KBM performs non-cash transactions in the following third country currencies: AUD, USD, CHF, CAD, HRK, JPY, RSD, BAM, RUB and MKD. Poslovni Bank@Net user guide 2

FOREIGN PAYMENT TRANSACTION COMPANY MEMBER STATE ONE-TIME PASSWORD UNIQUE IDENTIFIER E- UNSUBSCRIPTION A payment transaction within Slovenia in any currency of Member States or a payment transaction between two Member States in any third country currency or a payment transaction with a third country in any currency. Nova KBM performs non-cash transactions in the following third country currencies: AUD, BAM, CAD, CHF, JPY, MKD RSD, RUB and USD. The term is used for companies and other legal persons which are considered legal entities under the valid legal order, i.e. legal entities under the civil and public law. A Member State of the European Union or a state signatory to the Agreement on the European Economic Area (hereinafter: EEA). A randomly generated combination of 6 digits, which is changing and is valid only once. The number of the user s transaction account opened with the bank or the number used in a payment transaction so as to identify the user and/or their payment account. An electronic form of unsubscribing from receiving e-invoices, which the e-invoice recipient bank submits to the e-invoice issuer. E-SUBSCRIPTION An electronic form of subscribing to receiving e-invoices, which the e- invoice recipient bank submits to the e-invoice issuer. E-INVOICE E-RETURN RECEIPT IDENTIFICATION CARD HOLDER INTERNAL PAYMENT ORDER E-INVOICE ISSUER An electronically issued invoice in compliance with the applicable legal regulation. An e-invoice is an equivalent replacement for the paper invoice, which the invoice issuer submits to the invoice recipient for services performed, goods issued, etc. A notice on received/rejected e-subscription/e-unsubscription or e- invoice. This document is not mandatory in the e-invoice system. Receiving of e-return receipts depends on whether the issuer/user submitted an e- return receipt. An identification and security instrument to assist with identification of the user upon their login for the performance of Poslovni Bank@Net services. The identification card generates a changing ONE-TIME PASSWORD (code), which ensures a secure user identification when performing services. A Nova KBM d.d. account holder. A payment order issued in favor of transaction accounts and other accounts with Nova KBM d.d. A subject that issues an e-invoice and has concluded a business relationship with the e-invoice recipient. Poslovni Bank@Net user guide 3

CREDIT PAYMENT COVER ACCOUNT COVER SEPA MASS PAYMENT MAILBOX A payment service where the payer initiates the execution of an individual payment transaction or several payment transactions, including a payment order, a standing order and a SEPA mass payment. The funds on the transaction account and the approved account overdraft as the sum of available account balance. The sum of the positive balance on the transaction account (in domestic or foreign currencies) and the overdraft approved for the account. A group (package) of SEPA payment orders which is charged to the payer s account in the total amount of the package and which approves several accounts or one or several payees in a Member State. A tab within the Poslovni Bank@Net application, which enables importing and sending of files with e-invoices, SEPA mass payments and SEPA direct debits, opening and amending a letter of credit, filling and emptying of the business pre-paid VISA card, receiving of e- invoices, notices regarding marketing campaigns and new products and services, as well as other notifications by different types of transactions (MONETA, deposits, loans, cards, securities, etc.). PACKAGE A file which may contain a group of payment orders or a file with e- invoices, SEPA direct debits or SEPA mass payments. PBN PIN PAYMENT SERVICE PAYMENT TRANSACTION PAYMENT INSTRUMENT PAYMENT ORDER The abbreviation for Poslovni Bank@Net electronic banking for corporate customers. A personal identification number which is a sequence of 4 characters determined by the bank. It includes: cash deposit to a transaction account, cash withdrawal from a transaction account, execution of payment transactions credited and debited on a transaction account, execution of payment transactions of which funds are covered by a credit line to the user; the payment services referred to in the previous paragraph also include execution of payment transactions by direct debits, payment cards or similar devices, or credit payments. An act initiated by a payer or a payee and involving depositing, transferring or withdrawing funds, at which the execution of the payment transaction through the bank is independent from the basic obligations between the payer and the payee. Any device or set of procedures or both agreed upon the user and their bank that is bound by this user and used by the user in order to initiate a payment order (for example payment cards, electronic banking). An instruction by the payer or the payee to the payer s bank requesting the execution of a payment transaction. Poslovni Bank@Net user guide 4

PAYER SIGNATORY AUTHORISED PERSON FIREWALL E-INVOICE RECIPIENT PAYEE APPLICATION FORM AVAILABLE ACCOUNT BALANCE REFERENCE EXCHANGE RATE REFERENCE INTEREST RATE PAYMENT REFERENCE SEPA PAYMENT SYSTEM SEPA DIRECT DEBIT (SEPA DB) CONSENT FOR THE EXECUTION OF A PAYMENT TRANSACTION A legal entity or a natural person who initiates a payment transaction by issuing a payment order or providing consent to the execution of a payment order issued by the payee. The person who is authorized by the payer and has the right to dispose of the funds in the selected payment account. A natural person who is authorized to dispose of the funds in the bank accounts of other persons. On the internet, the name for a security device separating the external part of the network (internet) from the internal part of the bank s network (intranet), preventing unauthorized data access. A natural person or legal entity who is the intended recipient of the e- invoice and has concluded a business relationship with the e-invoice issuer. A natural person or a legal entity who is the intended recipient of funds that were the subject of a payment transaction. A statement on the intention to perform services via Poslovni Bank@Net. The account balance increased by the approved overdraft in the domestic currency less any other liabilities arising from the account transactions (e.g. reservation of funds, payment orders in a queue for the current date). The exchange rate which is used as the basis to calculate any currency exchange and which is made available by the bank or comes from a publicly available independent source. The interest rate which is used as the basis to calculate interest and comes from a publicly available independent source and which can be verified by both parties. A combination of digits used for the identification and recording of payments and for correct direction of payment to the payee. The payment system for the processing of payments in euros between the banks in the EU and 4 Member States of the EEA (Iceland, Norway, Liechtenstein and Switzerland). A payment service used to settle the payer s obligations to the payee in a Member State by directly debiting the payer s payment account. Submission of a paper or electronic payment order by the user to the bank or submission of an authorization for the execution of a payment transaction by the user in the case of a payment transaction initiated by the payee. Poslovni Bank@Net user guide 5

PBN GENERAL TERMS AND CONDITIONS FUNDS 20022 ISO STANDARD TA BALANCE TA THIRD COUNTRY USER USERNAME LEGAL REPRESENTATIVE PRIVATE PERSON ZPlaSS An integral part of the agreement between the Bank and the user of the payment services. Funds deposited in the holder s transaction account with the bank. The standard for importing/exporting data in PBS (the user manual is published on the website of the Bank Association of Slovenia). The difference between the transactions credited and debited to a TA as of the date of the TA balance. The abbreviation for the transaction account opened and maintained by the bank for the account holder; TA is used for the execution of payment transactions and other purposes related to the performance of banking services. A country that is not a Member State. A user of Poslovni Bank@Net services who was authorized by the account holder or the legal representative of a legal entity. A selected sequence of characters determined by the bank, which does not change. A representative of the company, who was appointed by law or articles of association. Legal entities other than companies but entered in an appropriate register have their provisions about legal representatives stated in the statute or other appropriate regulations or in the articles of association. A natural person, e.g. a notary, doctor, attorney at law, farmer and similar, who is not a sole trader and who independently performs a certain activity as their profession. The abbreviation used herein for the Payment Services and Systems Act including all its amendments. Poslovni Bank@Net user guide 6

TABLE OF CONTENT 1. Introduction... 9 2. Required equipment... 9 3. Functionality of the Poslovni Bank@Net application... 9 4. Security...11 5. Login to the Poslovni Bank@Net application...13 5.1. Entry of the password upon the user s first login with a qualified digital certificate... 16 5.2. Changing the password for the qualified digital certificate... 16 5.2.1. Obligatory change of password after the password was changed by electronic banking administrators...16 5.2.2. Changing the password at the request of the PBN application user...17 5.3. Locking the password for the qualified digital certificate... 18 6. The main window of the Poslovni Bank@Net application...18 6.1. Selection of a business account... 18 6.2. Settings... 21 6.3. Selection of tabs in the main window... 22 7. Description of the TAB STRUCTURE...23 7.1. Requests... 23 7.2. Tab structure... 23 7.2.1. Description of the left menu of the selected tab...23 7.2.2. Description of the main/display window for the selected tab/folder...25 7.2.3. The icons displaying the processing status of requests...27 7.2.4. The buttons for selecting actions...28 7.2.5. The meaning of actions...33 7.2.6. Request processing statuses...39 8. Description of functionality of individual tabs...40 8.1. General tab... 40 8.1.1. Account balance folder...41 8.1.2. PBN logins folder...42 8.1.3. NKBM and BS exchange rates...42 8.1.4. The General folder...43 8.2. Transactions tab... 43 8.2.1. All transactions folder...44 8.2.2. Reservations folder...45 8.2.3. Statements folder...45 8.2.4. Cash management folder...46 Poslovni Bank@Net user guide 7

8.3. Domestic transactions Payments tab... 47 8.3.1. Draft payments folder...48 8.3.2. With errors folder...56 8.3.3. To send folder...56 8.4. International transactions Payments tab... 62 8.4.1. Draft payments folder...63 8.4.1.1 Manual entry of payment.63 8.4.1.2 Importing a package of request.70 8.4.2. Draft payments folder...70 8.4.3. Incoming payments folder...72 8.4.4. Notifications folder...73 8.5. Messages tab... 74 8.5.1. Received messages folder...74 8.5.2. For confirmation folder...75 8.5.3. Messages draft folder...76 8.6. Mailbox tab... 77 8.6.1. All...78 8.6.2. E-invoices...82 8.6.5. SEPA Direct Debit...87 8.6.6. MSEPA Credit transfer...89 8.6.7. Cards...90 8.6.8. Accounts...96 8.6.9. Letter of credit...97 8.6.10. Deposits... 105 8.6.11. MONETA... 105 8.6.12. Securities... 106 8.6.13. Loans... 106 8.6.14. Other... 107 Poslovni Bank@Net user guide 8

1. Introduction Poslovni Bank@Net is a way to perform Nova KBM banking services online. It provides a quick and secure manner of doing business with the Bank. Online banking brings many benefits to the users as it saves time, provides a constant overview of account balance, it is independent from the business hours of branch offices and it ensures privacy. The Poslovni Bank@Net application (hereinafter: PBN) has been designed for the performance of basic transactions between a company and the Bank. It is the online version of the Poslovni Bank@Net application, which means working with the application that has a permanent internet connection. 2. Required equipment For the correct functioning of the PBN application, the following has to be installed on the computer: correct system time, correct regional settings (Slovenia), correct browser settings. The PBN application requires Internet Explorer (IE) 9 or newer versions (IE 10, IE 11, IE 12), or Mozilla Firefox (FF) 20 or newer versions. The application is also compatible with the web browsers Chrome, Safari and Opera. The PBN application runs on the following operating systems: Windows, Linux and Mac. To use a qualified digital certificate, the signature component proxsign has to be installed. It is distributed as a browser plug-in, which the user has to install on their computer. The required component is SETCCE proxsign XML. If you are using an older version of the browser, you can upgrade it on its website. Further information on IE 9.0 is available at: http://www.microsoft.com/slovenija/windows/downloads/ie/getitnow.mspx Further information on Mozilla Firefox is available at: http://www.mozilla.com/en-us/firefox/ 3. Functionality of the Poslovni Bank@Net application The PBN application allows: to view logins into the PBN application for an individual user and the logins of all users on a selected business account; to check the exchange rates of Nova KBM and the Bank of Slovenia; to view the rights and the signing level of the user logged into the PBN application; to view the balance and transactions on the selected business account; to view and print statements; to view and print MT 940 statements management of cash on subsidiary accounts in Slovenia and abroad; to view and print incoming cross-border payments; to view and print notifications on incoming and outgoing cross-border payments; to import and prepare payment orders for Slovenia and cross-border transactions; Poslovni Bank@Net user guide 9

to send payment orders to the bank; to manage the queue of payment orders for Slovenia; to send messages to the bank and to receive messages from the bank; to send e-subscription/e-unsubscription for an e-invoice; to view e-subscriptions/e-unsubscriptions; to view received positive and negative e-return receipts for e-subscription/eunsubscription and e-invoices; to view imported packages (e-invoices, SKLADI, SEPA mass payments); to send packages (files) via the Mailbox tab (SEPADB, SEPA mass payments); to view settlements of specifications by payment card; to view the notifications on interest rates and fees by business account; to view, fill and empty business pre-paid VISA cards; to view information, transactions and statements for all types of business cards by business account; to export the overview of business cards with a deferred payment; to enter, view and send requests for opening a new letter of credit, to send requests for amending already open letters of credit and to view notifications for opening a new letter of credit; to view notifications regarding deposit interest rates; to view the statement of monthly transactions with business Moneta; to export a large number of notifications for all business accounts, for which the user has been authorized in the PBN application according to the user-selected criteria; to view notifications on annual statements, reminders, issued invoices for carrying charges and annual fee for management of securities; to view notifications regarding loan interest rates; to view general notifications and notices on security elements. In the PBN application, payment orders may be created in two ways: by importing a package (a file) containing payment order data in the ISO 20022 xml standard format, by manually manual entering the information on payment orders into the application and creating a package of payment orders to be sent to the bank. Different packages (SEPADB files, SEPA mass payments, e-invoices) may be sent to the bank under the MAILBOX tab. Depending on the function of users in the company or their authorizations, the Poslovni Bank@Net system differentiates between the following user levels: Data entry user: preparation and creation of payment orders. The data entry user cannot send payment orders to be processed by the bank. This can only be done by the signatory. Signatory: preparation, creation and sending of payment orders to be processed by the bank. The signatory can also create payment order packages. Collective signatory: partial signing of payment order packages. A payment order package will be sent for processing only after it has been signed by a sufficient number of collective signatories. Poslovni Bank@Net user guide 10

The user level in the PBN application is determined by the account holder on the form 3654 EB-87 EN: Authorization for the performance of services on the transaction account via Poslovni Bank@Net. Depending on the function of users, the PBN application may only be used by the signatories or their authorized representatives, who are authorized by the responsible person in the company by using the signatory s identification card or by contacting the authorized person of the bank and ordering an identification card for their authorized representative. Only the digital certificates of qualified digital certificate issuers approved by Nova KBM may be used with the PBN application. The holder of a qualified digital certificate must fill out the relevant forms and register the digital certificate at: https://bankanet.nkbm.si/prijava/poslovni. In order to register a qualified digital certificate, the proxsign component has to be installed. The instructions for registering a digital certificate and installing the required components are available at the Nova KBM website: www.nkbm.si. The instructions are also available in the left menu of the Poslovni Bank@Net login window. The following rights, i.e. the right to access different tabs/functionality, will be assigned by the bank to the users of the Poslovni Bank@Net application: domestic transactions (access to domestic transactions, view of transactions and payments) cross-border transactions (access to cross-border transactions, view of transactions and payments) e-invoice (view of received e-subscriptions/e-unsubscriptions, sending of e- invoices, view of received e-invoices, execution of payments of received e-invoices) MSEPA payments (viewing and sending of files for SEPA mass payments) SEPA DB (viewing and sending of files for SEPA DB, view of notifications for SEPA DB, refusal of the received SEPA DB) cards (view of transactions and card statements, filling and emptying of the business pre-paid VISA card and view of statements of business cards with a deferred payment, export of the overview of business cards with a deferred payment) account (view of all notifications by business account) letter of credit (entering a request to open a new letter of credit, overview of requests, amending an open letter of credit) deposits (view of notifications on daily and monthly deposit interest rates) Moneta (view of notifications on monthly transactions with business MONETA) securities (view of annual statements, reminders, issued invoices for carrying charges and annual fee for management of securities) loans (view of notifications regarding loan interest rates) other notifications (view of general notifications and notices on security elements) 4. Security The Poslovni Bank@Net application is available via a web address. This means that the user is connected to the banking server via the internet the entire time when using the PBN application. Poslovni Bank@Net user guide 11

Considerable progress in internet safety has been made over the past years. The protection of privacy when using Poslovni Bank@Net is ensured by using the latest forms of security services: Authentication the procedure where the electronic bank authenticates the person wishing to use online banking services. Through authentication, the user makes sure that the data are really exchanged with the Nova KBM electronic bank. Encryption the procedure whereby Nova KBM ensures that all electronic transactions are hidden from unauthorized persons. The data can only be seen and read by the electronic bank and its user. For the verification of advanced services, Poslovni Bank@Net uses: ONE-TIME PASSWORDS which can only be used once. Each electronic bank user can obtain an IDENTIFICATION CARD (Figure: SecurID) which every minute generates a new password, which is known only to the card owner and the electronic bank. The password appears on the display of the electronic bank card and the user has to manually enter it into the electronic banking system. In addition to this card, the user receives a PIN number, without which the electronic bank card is useless. Qualified digital certificate (further details are described in the General Terms and Conditions for the Use of Poslovni Bank@Net, form 3646 EB-85), users log in into the Nova KBM electronic banking themselves. The procedure for registering a digital certificate is described in Appendix 5. Figure: SecurID identification card Attention: The identification card will self-destruct if you try to open it! In the event that the identification card has not been used over two months, it may become desynchronized with the bank server, which means that it will no longer be possible to send payments to the bank. In this case it is necessary to notify the electronic banking administrators, who will synchronize the card. If the card is lost, damaged or its abuse suspected, you must immediately inform the electronic banking administrators or the nearest branch office of the Bank in accordance with the General Terms and Conditions for the Use of Poslovni Bank@Net. The Poslovni Bank@Net user may at any time verify whether they really do business with the right branch office and not some other server posing online as the server of the Poslovni Bank@Net electronic banking. The server identity may be verified when the following two conditions are met: Poslovni Bank@Net user guide 12

access to the web address begins with the series https:// and in your web browser, the safe mode may be verified by checking whether an image of a lock is displayed next to the username in the bottom left corner of the window. Except for the authentication of the electronic bank server, the images prove that the encryption system ensures the confidentiality of the data transmitted via the internet between the user and the Poslovni Bank@Net server. This means that the data transfer between the user and the bank server is encrypted and hidden from the eyes of unauthorized persons on the web. The safety mechanisms that switch to the banking infrastructure over the internet are extremely reliable. The Bank has secured online access by installing a quality firewall. Therefore, the service users access only the servers outside the firewall. Access from the outside is impossible. 5. Login to the Poslovni Bank@Net application You may log in to Poslovni Bank@Net by typing the following web address in your browser: https://www.nkbm.si/ On the Nova KBM website, select the POSLOVNI tab. The Login to Poslovni Bank@Net tab is displayed. Figure: Selecting the tab on the Nova KBM website By clicking on the Login to Poslovni Bank@Net tab, the PBN application login window will be displayed. The login to the PBN application is also possible by typing the following web address in the browser: https://bankanet.nkbm.si/prijava/poslovni The login window appears. It contains the left menu and the basic login window for the Poslovni Bank@Net application. The left menu of the login window includes: Safety instructions User guide Instructions certificate General Terms and Conditions for the Use of Poslovni Bank@Net Frequently asked questions At the login to the Poslovni Bank@Net application, you may select the following languages: Slovene English Poslovni Bank@Net user guide 13

The language selection currently enables the English translation of the basic login window and the instructions for registering a digital certificate and installing the proxsign signing component. In the basic login window, select the security element for login to the application. Figure: Login to the Poslovni Bank@Net application The login is possible in two ways: by clicking on the chosen security element or by marking the security element and clicking on the Enter button. The chosen security element is highlighted in red. To enter with a one-time password (SecurID), select the button: To enter with a qualified digital certificate, select the button: After the selection of the security component, a new window will appear for entering the required information. In the case of selecting the login with SecurID, it is necessary to enter the following information in the login window: User: username PIN One-time password Poslovni Bank@Net user guide 14

Figure: Login with SecurID In the case of selecting the login with a qualified digital certificate, it is necessary to select the certificate from the list of the user s all digital certificates. After selecting the appropriate qualified digital certificate, you have to confirm the selection by clicking on the OK button. A new window opens, which requires you to enter the obligatory password. The password is OBLIGATORY upon the user s first login with a qualified digital certificate. Figure: Login with the selected qualified digital certificate The valid version of the SETCEE proxsign XML signing component is displayed in the far right corner of the login window. Digital certificate registration is displayed under the login window in the right corner. It is used to register a new digital certificate. Poslovni Bank@Net user guide 15

5.1. Entry of the password upon the user s first login with a qualified digital certificate At the first login to the PBN application, all new users are REQUIRED to set the password for the qualified digital certificate. The password for the qualified digital certificate is intended to provide higher user security when logging in to the online bank. The password for the qualified digital certificate must contain at least 8 characters. It is recommended that the password includes lowercase and uppercase letters, numbers and nonalphanumeric characters such as: +, *,!, #,?, etc. Upon entering a new password, the PBN application shows the quality of the password. When selecting Set digital certificate password, a new window will open to enter the password: The prescribed minimum length of the new password is 8 characters. After completing the entry of a new password, the same password has to be entered in the Confirm password field. The PBN application allows setting the selected password regardless of its quality. After the entry of the new password for the digital certificate is completed, the new password is confirmed by clicking on the CONFIRM button. 5.2. Changing the password for the qualified digital certificate The PBN application user may change the password for the qualified digital certificate at any time. The password can be changed in two ways: at the request of the PBN application user at the login to the application; it is obligatory in the case when the password is set for the first time (a new user of the online bank with a qualified digital certificate) or changed by electronic banking administrators. 5.2.1. Obligatory change of password after the password was changed by electronic banking administrators At the request of the PBN application user, the password for the qualified digital certificate may be changed by electronic banking administrators. The electronic banking administrator may inform the user of the new or changed password by telephone or e-mail. When you log in to the PBN application, the following notice appears first: The password for the digital certificate must be changed! Poslovni Bank@Net user guide 16

After clicking on the OK button, a new window will appear, which requires the entry of a new password. After the password has been successfully changed, a new window will appear informing you that the password has been successfully changed. 5.2.2. Changing the password at the request of the PBN application user The online bank user may change the password at any time. This can be done at the login with a qualified digital certificate upon the entry in the PBN application. The password is changed by clicking on to the PBN application. in the bottom left corner of the screen at the login The Change password window appears. Figure: The window for changing the password Poslovni Bank@Net user guide 17

The procedure of changing the password is the same as setting a new password, which is described in Section 6.1 hereof. 5.3. Locking the password for the qualified digital certificate In the Poslovni Bank@Net application, the password for a qualified digital certificate is automatically locked after 3 failed attempts to enter the password. The application warns you of an incorrect password. At the request of the PBN application user, electronic banking administrators will unlock the password. If the PBN application user does not know or forgets the password, electronic banking administrators will change the existing password. Upon the login to the PBN application, the user will be required to repeat the procedure to change the password, as described in Section 6.2.1 hereof. After the password is unlocked, the user will be required to repeat the procedure described in Section 6.2.1 hereof. 6. The main window of the Poslovni Bank@Net application After a successful login to the PBN application, the main window of the Poslovni Bank@Net application will open. Company information is displayed in the window. If the user has been assigned the rights to several accounts, they may select the account they wish to access from the list of accounts. 6.1. Selection of a business account Within the PBN application, a business account may be selected in any window by clicking on the green mark to the left of the account name. By clicking on this mark, a new window for the selection of a business account will appear. Poslovni Bank@Net user guide 18

The business account search function enables: searching by company name or account in the Filter current page box sorting company names alphabetically by clicking on Name sorting company accounts alphabetically by clicking on Account Figure: The main window of the Poslovni Bank@Net application business account selection Poslovni Bank@Net user guide 19

Figure: Business account selection window A company can be highlighted and selected by clicking on the Select button or by doubleclicking the highlighted selected company. To do a quick search for the right business account, enter the name or the account of the company in the Filter current page field. Poslovni Bank@Net user guide 20

6.2. Settings The Settings functionality is in the upper right corner of the main display window. Figure: Settings functionality By clicking on Settings, a new window will open. In the window, the following may be selected: Language setting the number of displayed items of information by individual tab (Transactions, Payments, Mailbox) setting the display of help the description of the additional search criterion Filter current page setting the length of session duration Each PBN user may select the desired setting to display the number of items of information in individual tabs. The selected setting applies only to a particular user! The settings can be reset to the default value set by the bank. The selection of own settings is enabled by selecting the values in the drop-down menu. After selecting the values, confirm the selection by clicking on the Confirm button. Figure: Selection of settings Poslovni Bank@Net user guide 21

6.3. Selection of tabs in the main window Tabs are at the top of each window. Each tab contains a particular functionality of the PBN application. The following tabs may be selected: GENERAL viewing of Nova KBM notifications, account balance, NKBM exchange rates, BS exchange rates, user logins, information on the selected account and all the rights assigned to the logged-in user. TRANSACTIONS viewing of transactions, account reservations, statements, preparation of orders from an individual debit transaction, export and printing of statements. PAYMENTS preparation of payments, sending of payments, review of sent and exported packages, review of imported packages/request files. For the assigned Cross-border transactions right, the functionality also includes preparation and sending of orders for the purchase or sale of foreign currency, viewing of incoming payments and notifications of both outgoing and incoming cross-border payments. MESSAGES viewing, preparation and sending of messages. Attachments in various formats (pdf, Word, Excel, etc.) may be added to a message. MAILBOX importing and sending of files/packages with e-invoices, viewing of sent and received e-invoices, viewing and sending of e-subscriptions/e-unsubscriptions, viewing of e-return receipt, importing and sending of SEPADB files, importing and sending of SEPA mass payments, viewing, filling and emptying of the business prepaid VISA card, viewing of information and statements of business cards, viewing of notifications on interest rates, fees and reminders by business account, viewing of settlements of specifications by payment card merchants, entering and viewing of requests for opening a new letter of credit, entering of requests for amending already open letters of credit and viewing of notifications for opening a new letter of credit, viewing of notifications on daily and monthly deposit interest rates, viewing of notifications on monthly transactions with business MONETA, viewing of statements of business cards with a deferred payment, viewing of annual statements, reminders and issued invoices for carrying charges and annual fee for management of securities, viewing of notifications regarding loan interest rates, viewing of general notifications and notices on security elements and exporting of a large number of notifications by various business accounts according to the user-selected criteria. Figure: PBN application tabs Poslovni Bank@Net user guide 22

7. Description of the TAB STRUCTURE On the left side of the main window of the selected tab, all tabs have a menu with the list of folders. The list of folders always has the same display or structure. At the top is the main folder, which displays unfiltered data of the selected main folder. Below the main folder are sub-folders, which contain the filtered data. All main windows of a selected folder include the lists specific to each folder. All display windows of tabs/functionality of the PBN application always have the same structure. The buttons for selecting actions are at the bottom of each display window of the selected folder. The action buttons are displayed depending on the processing status of a particular request. 7.1. Requests Requests include: payment orders for domestic and cross-border transactions; SEPADB packages, SEPA mass payments, e-invoices; e-subscriptions/e-unsubscriptions; letters of credit; orders; messages A request means sending a different type of customer information to the bank for processing. 7.2. Tab structure All tabs in the PBN application have the same structure. On the left side of the main/display window of the selected tab is the menu with the folders, which enable to view the requests for the selected tab. 7.2.1. Description of the left menu of the selected tab The order of the folders in the left menu of the selected tab is the same. The main folder of the selected tab is always at the top of the menu. All processing statuses of the requests, which fall under the selected folder, are always visible in the main folder. Below it is the folders that display the filtered information/requests regarding the processing status of information/requests. The main folders in the menu are at the far the left. All processing statuses of the requests, which fall under the selected folder, are always visible in the main folder. Below it and to the far right are the folders that display the filtered information/requests regarding the processing status of information/requests. Poslovni Bank@Net user guide 23

Figure: Folders and sub-folders Poslovni Bank@Net user guide 24

By clicking on the selected folder, the latter will be highlighted in blue, displaying all sub-folders for the selected main folder. By clicking on the selected sub-folder, the display window of the selected folder will appear, displaying the information or requests contained in the selected folder. 7.2.2. Description of the main/display window for the selected tab/folder The display window of all folders/tabs allows to select the following search criteria at the top of the window: selection of the date from the code table the period selection of a date in the calendar from to the field to enter the information from the window displaying that information (company name, account, amount, status, etc.) the Filter current page field for the manual entry of the searched information (by entering the information in the field, several items of information can be marked, which will remain marked even when the entered information is replaced). To turn the description of the functionality of this field on/off, select the setting in the Settings functionality see the description in Section 7.2 hereof. Figure: Selection of the criteria to display information in the display window At the bottom of the display window of the selected folder are the buttons for the execution of actions and the criteria to select the number of items of information displayed in the PBN application display window. Figure: The buttons and the selection of the number of rows at the bottom of the selected display window The display of information in an individual display window of the selected folder/tab has the same structure in all display windows. The names of the columns of a particular display window are adapted to the content of an individual functionality of the selected folder/tab. Poslovni Bank@Net user guide 25

Important: The number of items of data displayed in the display window of an individual folder is set to the default value, i.e. 250 lines. It is possible to select the display of 25 3,000 items of information. Individual items of information in the display window may be randomly sorted by clicking the selected column. The display windows contain the following columns to display the information: S status: the icon displaying the processing status of particular information/request Due date/expiration date Recipient Account no. Amount Currency Description/Purpose Complaint number/order id Order type Creation date Confirmation date/date of authorisation Execution date Status Important: The names of the columns of a particular display window are adapted to a particular folder or transaction type/tab. By clicking on the name of an individual column to show the information in the selected display window, the information will be sorted. Figure: The display window of the Payments tab the Orders for payment folder Poslovni Bank@Net user guide 26

7.2.3. The icons displaying the processing status of requests The icons displaying the processing status of individual information/requests are the same regardless of the selected folder or transaction type tab. The icons are displayed in the display window of the selected tab/folder in front of each request the S column. The icons displaying the processing status of individual information/requests S : The order is already due. The order is already due and has an error (the order cannot be sent to the bank). The order is already due and has been marked for payment. The order is due today. The order is due today and has an error (the order cannot be sent to the bank). The order is due today and has been marked for payment. The order is not yet due. The order is not yet due and has an error (the order cannot be sent to the bank). The order is not yet due and has been marked for payment. The order is being processed (received by the bank and waiting to be processed). The order has been processed. The order has been rejected or has an error. The order has been withdrawn/revoked (withdrawal from the queue or revocation). The order is partly signed and when it is signed by the sufficient number of signatories it will be transferred to the bank (for processing). Poslovni Bank@Net user guide 27

7.2.4. The buttons for selecting actions The table below includes all action buttons and the actions allowed with regard to the processing status of individual information/requests. Also shown are the folders in which a particular request may be found. Action Action name Request status Folder Review/View All statuses All folders Add Duplicate Edit/Change VALIDATED VALIDATED_WITH_ERRORS PARTLY_SIGNED FOR_PROCESSING IN_PROCESSING PROCESSED REJECTED REVOKED VALIDATED VALIDATED_WITH_ERRORS PARTLY_SIGNED FOR_PROCESSING FOR_PROCESSING_IMMEDIATELY IN_PROCESSING PROCESSED REJECTED REVOKED ERROR WITHDRAWAL_FROM_THE_QUEUE WITHDRAWN_FROM_THE_QUEUE UNSUCCESSFUL_WITHDRAWAL_FROM_THE_QUEUE VALIDATED VALIDATED_WITH_ERRORS PARTLY_SIGNED Folders: Draft payments With errors To send Sent payments In processing Processed Rejected Draft orders Sent orders Folders: Draft payments With errors To send Sent orders In processing Processed With errors Sent packages For sending Sent orders Archive EPP Sent orders Processed Rejected Folders: Draft payments an individual payment order With errors To send Draft orders Poslovni Bank@Net user guide 28

Action Action name Request status Folder Revoke PARTLY_SIGNED FOR_PROCESSING IN_PROCESSING (withdrawal from the queue) Folders: In processing In processing Sent packages Partially signed Sent orders Change Execution date Partners VALIDATED VALIDATED VALIDATED_WITH_ERRORS PARTLY_SIGNED FOR_PROCESSING FOR_PROCESSING_IMMEDIATELY IN_PROCESSING PROCESSED REJECTED REQUEST_FOR_REVOCATION REVOKED WITHDRAWAL_FROM_THE_QUEUE WITHDRAWN FROM THE QUEUE UNSUCCESSFUL_WITHDRAWAL_FROM_THE_QUEUE ERROR REJECTED Folders: Draft payments To send Folders: Preparation orders With errors To send Sent orders In processing Processed Rejected of Poslovni Bank@Net user guide 29

Action Action name Request status Folder Delete VALIDATED VALIDATED_WITH_ERRORS PARTLY_SIGNED ERROR WITHDRAWAL_FROM_THE_QUEUE Folders: Draft payments With errors To send Sent payments In processing Processed Rejected Sent packages Imported files Split VALIDATED Folders: Confirm/Send/ Sign Signatories VALIDATED PARTLY_SIGNED PARTLY_SIGNED FOR_PROCESSING FOR_PROCESSING_IMMEDIATELY IN_PROCESSING PROCESSED REJECTED REQUEST_FOR_REVOCATION REVOKED ERROR WITHDRAWAL_FROM_THE_QUEUE WITHDRAWN_FROM_THE_QUEUE UNSUCCESSFUL_WITHDRAWAL_FROM_THE_QUEUE Draft payments To send Folders: Draft payments To send Sent packages Partly signed Folders: Sent orders In processing Processed Rejected Sent packages Partly signed Revoked packages Sent orders Poslovni Bank@Net user guide 30

Action Action name Request status Folder Summary document/print Export to pdf orders Folders: Draft payments To send Sent orders an individual payment order In processing Processed Rejected Sent packages Partly signed Revoked packages Draft orders Sent orders Archive EPP Sent orders Processed Rejected Folders: Draft payments With errors To send Sent packages Partly signed Revoked packages Draft orders Sent orders Poslovni Bank@Net user guide 31

Action Action name Request status Folder Export payments (ISO Standard) Review imported payments Create payments VALIDATED PARTLY_SIGNED FOR_PROCESSING FOR_PROCESSING_IMMEDIATELY IN_PROCESSING PROCESSED REJECTED REQUEST_FOR_REVOCATION REVOKED ERROR WITHDRAWAL_FROM_THE_QUEUE WITHDRAWN_FROM_THE_QUEUE UNSUCCESSFUL_WITHDRAWAL_FROM_THE_QUEUE VALIDATED PARTLY_SIGNED FOR_PROCESSING FOR_PROCESSING_IMMEDIATELY IN_PROCESSING PROCESSED REJECTED REQUEST_FOR_REVOCATION REVOKED ERROR No status Folders: Draft payments To send Sent orders In processing Processed Rejected Draft orders Sent requests Folder: Sent packages Partly signed Revoked packages Imported files Folder: Imported files Import file Import package no statuses Folder: Draft payments To send Select template Add new template no statuses Folder: Preparation orders of Orders with error Orders for payment Sent orders Orders in processing Processed orders Orders with error Poslovni Bank@Net user guide 32

Action Action name Request status Folder Export to Excel Export of transactions to an Excel table no statuses Folder: Details The details of the notification on outgoing/incoming crossborder payments no statuses All transactions Credit Debit Folder: International transactions Notifications Credit foreign payments Debit foreign payments Messages All notifications in the Mailbox tab The action buttons are displayed at the bottom of each display window of the selected tab. By moving the pointer/mouse to an action button, the description of that button will be displayed. Important: The display of buttons in the display window of the selected tab depends on the processing status of the selected request. 7.2.5. The meaning of actions The actions have the same meaning in all tabs. Actions may be executed either for each selected request or for a group of marked requests. Display of the actions depends on the status of a particular request. Several requests may be selected by marking the box in front of the S column (status) at the top of the display window. Review/ View By clicking on the selected request, the details of the selected request will be displayed. The details include all Request information, Payer information, Recipient information, Payment information and Bank recipient information. The content of the display is adapted to each type of request. Add By clicking on the button, a new window to enter or import a new request will appear depending on the tab. Duplicate Duplication of orders does not depend on the status of an individual request or folder, which was selected. The selected request/payment is doubled by selecting the Duplicate button. Upon selecting this action, a warning message appears to once again warn you that the request will be duplicated. By clicking on the OK button, the duplication of Poslovni Bank@Net user guide 33

the request will be completed and the request will be placed in the Draft payments folder. A notification is displayed that the requests were added to the Draft orders folder. If the Cancel button is selected, the marked requests will not be duplicated. This action simplifies adding known and often repeated requests. Figure: Warning messages in the Duplicate action Edit/Change By clicking on the selected request, the window of the selected request will open (e.g. Payment ), enabling to change/edit the request. The executed change is confirmed by clicking on the Confirm button. Revoke The action enables to revoke an individual request or a package of requests already sent to the bank. Revocation of a request is only possible for certain request processing statuses. The same action also allows to withdraw a payment from the queue only valid for Domestic transactions. Important: Only the following payment orders may be withdrawn: with a future due date, i.e. typically up to 1 day before the due date up to D1; not yet processed; with the status: IN_PROCESSING. Conditionally, a payment order with the current due date (on D day) may be withdrawn, however this does not apply to the following payments: already authorized and in the queue, if there are sufficient funds on the account for the execution of the payment on D day. Under the above conditions, a payment order will not be withdrawn from the queue the request for withdrawal is unsuccessful. Poslovni Bank@Net user guide 34

Change the date of execution The action allows to change the date of execution of an individual request or a package of requests. A warning message appears, asking you to confirm the change made. Figure: The warning message for the requested change of date Partners The action allows to enter, import or select information from the Partners code table. By clicking on the Partners button, the register of partners will open. To enter a new partner, click on the Add button. A new window to input information will appear. The window has 3 tabs: Recipient, Recipient bank and Intermediary bank. In the partner register, account controls have been established for the recipients in Slovenia. If the entered transaction account in the IBAN format is correct, the details of the recipient and the recipient bank will be filled out automatically. If the entered IBAN refers to the recipient abroad, the information on the bank recipient will also be filled out provided that the entered IBAN is correct. The name and address of the partner abroad must be entered manually. The Intermediary bank field has to be filled out only if this information is required for the execution of the payment. A new domestic partner may be added from the transaction account register. In this case, you can search for the partner in the register by their account or name, mark the partner, click the Add button and then save the partner. Partners may also be imported from the installation version of EPP FAT application. Important: Partners are not classified into Domestic partners and Foreign partners. The searched partner can be quickly found by entering their name or account in the Search or Filter current page fields. Partners may be sorted by clicking on the columns at the top of the display window. Sorting is enabled by all columns (name, account, address, postal code, place, tax number and reference). Poslovni Bank@Net user guide 35

Figure: The Partners register Figure: Entry of a new partner If the new partner was successfully added, a confirmation message will appear. Poslovni Bank@Net user guide 36

Figure: The confirmation message on successfully adding a new partner Delete The action enables to delete the selected individual request or the package of requests. Deletion of the selected request or the package of requests depends on the processing status. Split The action which enables to split the amount of a particular request into two amounts or two new requests. The amount may be split randomly. If the desired amount is entered in the First partial amount field, the application automatically offers the second part of the amount. In this way, two payment orders for the same recipient are created from one payment order. Figure: Action: "Split" the window for splitting the amount Confirm/Send/Sign The action for signing and sending the selected request or the package of requests to the bank. Signatories The display of the signatories of the selected request or the package of requests. Summary document/print The action enables to view the summary document and print the selected request or the package of requests. Export payments to pdf The action allows to view the summary document and print the selected request/package of requests in pdf format (e.g. statements or the summary document). Poslovni Bank@Net user guide 37

Export payments (ISO 20022) The button to export requests/payments in the ISO 20022 standard. Review imported payments The action enables to view all requests in a specific file/package Imported files folder. Create payments The action allows to recreate the requests from a particular file/package. Import The action means importing a prepared file/package. Select template The action allows to enter, import and create a payment template using the template list. A new template is entered in the same way as described for adding a new partner. The button is at the top of the window to the left Payment". If a payment template is selected, it only needs to be added by clicking on the Add button and the new payment will be placed into the To send and Draft payments folders. Templates may also be imported from the installation version of EPP FAT application. Payment templates can be created both in Domestic transactions and Foreign transactions. Templates are sorted in the same way as described for the Partners register. Figure: Template selection Export Excel The action enables to export information on transactions to an Excel table. Poslovni Bank@Net user guide 38

Details The action enables to view the details of a particular request. The details displayed are adapted to the nature of the individual request. 7.2.6. Request processing statuses Request processing statuses are shown in the display window of the selected tab in the Status column. Depending on the status of an individual request, the requests are sorted into individual folders of the left menu of the selected tab. In a particular folder, only the actions allowed for an individual request or group of requests are displayed. 7.2.6.1. Request processing statuses in individual folders Folder: Draft payments and Draft orders" Request statuses: VALIDATED VALIDATED WITH ERRORS PARTLY SIGNED Folder: With errors Request statuses: VALIDATED WITH ERRORS Folder: To send Request statuses: VALIDATED PARTLY SIGNED Folder: Sent orders The main folder displays all request statuses. Request statuses: FOR PROCESSING FOR PROCESSING IMMEDIATELY IN PROCESSING REQUEST FOR REVOCATION PROCESSED REJECTED REVOKED ERROR WITHDRAWAL FROM THE QUEUE WITHDRAWN FROM THE QUEUE WITHDRAWAL FROM THE QUEUE UNSUCCESSFUL Folder: In processing Request statuses: FOR PROCESSING FOR IMMEDIATE PROCESSING Poslovni Bank@Net user guide 39

IN PROCESSING REQUEST FOR REVOCATION WITHDRAWAL FROM THE QUEUE Folder: Processed Request statuses: PROCESSED Folder: Rejected Request statuses: WITHDRAWN FROM THE QUEUE WITHDRAWAL FROM THE QUEUE UNSUCCESSFUL REJECTED REVOKED ERROR The Archive EPP Sent orders folder The main folder displays all request statuses. Request statuses: PROCESSED WITHDRAWN INCOMPLETE DOCUMENT Folder: Processed Request statuses: PROCESSED Folder: Rejected Request statuses: WITHDRAWN INCOMPLETE DOCUMENT 8. Description of functionality of individual tabs 8.1. General tab After a successful login to the PBN application, the main window of the General tab will open. The last three notifications of Nova KBM are displayed in the main window. The menu of the General tab is displayed on the left side of the main window: Selection of the Domestic transactions or International transactions right Account balance PBN logins Poslovni Bank@Net user guide 40

NKBM exchange rates BS exchange rates General Important: The selection of the Domestic transactions or International transactions right is only displayed to the PBN application users who have been assigned both rights. If the user has been assigned only one of the rights, only the left menu for a specific right will be displayed in the application. The latter applies to the Payments and Transactions tabs as well as to the balance of the selected business account. 8.1.1. Account balance folder By clicking on the Account balance folder, the window will appear showing the account balance. If the Domestic transactions right is marked in the main window of the General tab, the balance is shown in the domestic currency EUR. If the International transactions right is marked, the balance of all the currencies used on the selected business account is shown in the main window. The balance displays the latest data as at the date of login to the PBN application. The display of the balance includes: Book balance Informative balance Available balance Figure: View of account balance Domestic transactions Figure: View of account balance International transactions When book balance, informative balance and available balance are displayed, you may select them by clicking on the arrow at the top of the window next to the selected business account, to the right of Book balance / Informative balance / Available balance. Book balance is the account balance as at the end of the previous business day. The book balance for the current date will be visible the next business day. Poslovni Bank@Net user guide 41

Informative balance includes not only the information on not yet recorded transactions of the company during the day but also the information received on incoming cross-border payments with the date of recording in the coming days. This means that informative balance is not the same as book balance. Available balance means funds available on the business account in the given moment. This balance takes into account both the queue of payment orders and the reservations on the business account, and normally differs from book and informative balance. 8.1.2. PBN logins folder By clicking on the PBN logins folder, the main window of the selected folder will open. Logins are displayed in the main window. The following may be selected in the window: Period Type of login When opening the window, the default value of the period is set to Period from to for 1 month in advance. Other than the default period, the following can be selected: Today and Last month. For the type of login, the following can be selected: User logins Account logins User logins show the logins of a particular user in the selected period. The following information is displayed: Login date and time Login status Login channel Manner of login User Account logins show the logins of different users of the selected business account in the selected period. 8.1.3. NKBM and BS exchange rates The NKBM exchange rates and BS exchange rates folders display exchange rates for the selected period. The NKBM exchange rates folder shows Nova KBM exchange rates for companies for buying and selling currencies. The BS exchange rates folder shows the exchange rates of the Bank of Slovenia. Poslovni Bank@Net user guide 42

8.1.4. The General folder The following information is displayed in the folder: User information (business account, name and address of the company) Login information (first and last name of the user, signing level, security element, username) Information on authorizations/mandates (all authorizations/mandates assigned to the logged-in user) Figure: Information displayed in the General folder 8.2. Transactions tab By selecting the Transactions tab, the main window of the selected tab will open. The menu of the Transactions tab is displayed on the left side of the main window: All transactions (overview of transactions in the selected period) Debit (only debit transactions in the selected period) Poslovni Bank@Net user guide 43

Credit Reservations Statements Cash Management 8.2.1. All transactions folder The default display of the Transactions display window is Current transactions for the future one-month period. The display of transactions depends on the right assigned to the user Domestic transactions or International transactions. Important: If only the Domestic transactions right was assigned, it is only possible to view the transactions in the domestic currency EUR. Transactions in the domestic currency EUR include transactions in EUR regardless of whether the payment has been made in Slovenia (domestic payment) or as a cross-border payment. The International transactions right enables to view transactions in all other foreign currencies used on the selected business account. International transactions do not include transactions in EUR. The following criteria can be selected as a period: Current transactions Last month Period from/to Figure: Transactions tab Transactions can be exported in the ISO 20022 standard and in an Excel table. Transactions may also be printed. Debit and credit transactions are distinguished according to the colour of the icon displayed in front of: Book balance of debit transactions. Book balance of credit transactions. Poslovni Bank@Net user guide 44

Informative balance of debit transactions. Informative balance of credit transactions (for the account held with Nova KBM). 8.2.2. Reservations folder The Reservations folder contains information on the reservations for the selected business account. By selecting the Reservations folder, a display window will open containing the information on reservations for the selected business account. The following information is displayed in the Reservations display window: Date of reservation Amount of reservation Liabilities Paid Outstanding debt Figure: The display window of the Reservations folder 8.2.3. Statements folder The Statements folder enables to view, export and print bank statements. Only cumulative data are displayed for each statement in the display window. The transactions of a particular statement can be viewed by double-clicking on the individual statement or by marking the selected statement. The box for marking a statement is found in front of the selected statement. By clicking the box at the top of the display window, which is to the left of the Date column, all statements will be marked, which are displayed for the selected period from/to. After marking the statements, the buttons to export statements will appear at the bottom of the display window. Figure: The display window of the Statements folder Poslovni Bank@Net user guide 45

Statements can be exported in the ISO 20022 standard and in pdf. Export is enabled both for an individual statement and for several statements together. Both buttons are at the bottom of the display window for statements. Important: The statements display all currencies for the selected business account, irrespective of the Domestic transactions or International transactions right. For a detailed view of the statement, double-click on the selected statement. A new window will open showing all information on transactions for the selected statement. 8.2.4. Cash management folder The Cash Management folder enables to view, export and print MT940 and MT942 bank statements. Only cumulative data are displayed for each statement in the display window. The transactions of a particular statement can be viewed by double-clicking on the individual statement. By double-clicking on the selected statement, a new window will open showing the transactions on the selected MT940 or MT942 statements. The box for marking the transactions is found in front of the selected type of transactions. By clicking the box at the top of the display window, which is to the left of the Date column, all transactions will be marked, which are displayed for the selected period from/to. After marking the transactions, the buttons to export statements or transactions will appear at the bottom of the display window. Any number of transactions may be exported. Figure: The display window of the Cash Management folder Poslovni Bank@Net user guide 46

Figure: Transactions of the selected MT940 statement 8.3. Domestic transactions Payments tab By selecting the Payments tab, the main window of the selected tab will open. The menu of the Payments tab is displayed on the left side of the main window of the Payments tab. The display of the left menu depends on the right assigned to the user Domestic transactions or International transactions. The menu contains the following folders: Draft payments With error To send Sent orders In processing Processed Rejected Sent packages Partially signed Revoked packages Imported packages Archive EPP Processed or Rejected orders Poslovni Bank@Net user guide 47

Figure: Domestic transactions the left menu of the Payments tab and the main window of the Payments tab 8.3.1. Draft payments folder In the Draft payments folder, payment orders may be prepared in two ways: through manual input, by importing the file in the prescribed structure ISO 20022. 8.3.1.1. Manual entry of payment The Add button is at the bottom of the main window of the Payments tab. By clicking the button, the window for the manual entry of a payment order will open. Poslovni Bank@Net user guide 48

Figure: Manual entry of a payment order Poslovni Bank@Net user guide 49

The Payment window contains mandatory input fields and enables to enter the required information about the payment. The following fields have to be filled out in the payment order: Urgent Payment method Payer Debtor reference Purpose Purpose code Recipient Currency Amount Due date Account SWIFT of the recipient bank By clicking the box, the selected order will be marked as urgent. The mark in the box means that the payment is to be executed immediately. The payment processing fee is higher. BANK TRANSFER. By clicking the arrow, CASH may be selected as the payment method. The payer information. The information for the selected business account will be filled out automatically. Entry of the reference (the default value is set to SI99). The reference is not mandatory. Entry of the purpose of the transfer (the default value is set to INVOICE PAYMENT). By clicking the arrow on the right, a menu will appear so as to select the appropriate purpose code (the default value is set to GDSV). The recipient information (name, address, place). The information is automatically filled out provided that recipient account is correct and that the recipient of the payment is a legal entity or a sole proprietor. The information has to be entered manually only if the recipient account is a retail bank account. The following warning will appear: It is not possible to obtain customer information. The information is MANDATORY. The default value is the domestic currency EUR. Entry of the amount of the payment order. The information is MANDATORY. Entry of the due date of the payment order (the default value is set to the current date). After clicking on the field with the date, the calendar will appear so as to select the desired date. The date may be selected maximum one year in advance! Entry of information on the recipient account. Information may be entered either manually or from Partners, which is opened by clicking the button. The button is below the Account field. The default value of the field is SI56. The account in the IBAN structure is MANDATORY. By entering the account in the IBAN structure, the field is filled out automatically. Creditor reference Entry of the reference (the default value is set to SI99). Poslovni Bank@Net user guide 50

The Payment window also contains the SEPA information tab. By clicking on the tab, a window will open to enter additional SEPA information. Figure: SEPA information Important: The SEPA information tab may be filled out if the following conditions are met in the context of Payment details: currency (EUR), amount (<=50,000.00), bank charges (SHA), urgency (non-urgent payment), payment method (BANK TRANSFER) The SEPA information tab will not be displayed if the Urgent field is selected or if the conditions for a SEPA payment are not met. Under the SEPA information tab is displayed the fields in which additional information about the payment may be entered. In the input fields that have an arrow at the end is the menu for the selection of information. The empty fields are intended for the manual entry of information. All fields are controlled in accordance with the SEPA scheme. Poslovni Bank@Net user guide 51

Once all the information has been entered, the payment is saved by selecting the button (CONFIRM). The entered information will not be saved if the button (CANCEL) is selected. The application contains controls of the correctness of the entered information. If an item of information is incorrect or missing, the field with an error will be marked in red and a notification will appear a warning message. The payment order with an error can be saved by clicking on the Save incomplete order button. A payment with an error cannot be sent to the bank. Figure: Warning message payment error In the case of entering a payment order for cash withdrawal, select CASH instead of the default BANK TRANSFER by clicking the arrow. A new window to input payment will appear. Please fill out only the fields highlighted in red: Amount Cash withdrawal Enter the amount you wish to withdraw. Entry of information (first and last name, type of the identification document, number of the identification document). The information has to match the information held by the bank. Poslovni Bank@Net user guide 52

Figure: Manual entry of order CASH 8.3.1.2. Importing a payment file The Preparation of orders folder enables to import a prepared payment file. The file structure has to comply with the ISO 20022 standard. Useful links: ISO 20022 Standard User Guide: http://www.sepa.si/sloprenova/gradiva_publikacije/sepa_zbs/prirocnikiso20022_sct.zip The file is imported by clicking the button Import file at the bottom of the display window. By clicking on the Import file button, a new window will open for importing the prepared file. Poslovni Bank@Net user guide 53

Figure: The window for importing a payment file By clicking on the Browse button, a window will open on the computer where the file to be imported is selected. After selecting the file on the computer, click on the Open button. The name of the file is automatically copied into the window for importing the file the Package information field. The name of the file can be manually renamed. The procedure continues by clicking on the Import button. A new window will appear showing the import process of the selected payment file. After the import of the selected payment file is completed, a new window will open. The window will contain the message about the successfully imported payment file and the information on the number of successfully/unsuccessfully imported individual requests/payments. A successfully imported file is placed in the Imported files folder. Figure: Selection of the file on the computer Poslovni Bank@Net user guide 54

Figure: The window displaying the payment file importing process After the import of the selected payment file is completed, a window will appear displaying the message about the successfully imported payment file. In addition, errors in individual payments will be shown. Figure: The message after the completed file import Poslovni Bank@Net user guide 55

8.3.2. With errors folder The With errors folder contains the orders with an error. The processing status of these requests is VALIDATED_WITH_ERROR. These payments/requests cannot be sent to the bank. By clicking the Overview of errors box at the top right corner of the display window, a description of errors for each payment will be displayed in the display window. The payments with an error can be edited/corrected and saved. The corrected payments will be placed into the To send and Payment Orders folders. Figure: The main window of the With errors folder 8.3.3. To send folder This folder contains requests/payments with the VALIDATED and PARTLY SIGNED statuses. By marking the box at the top of the display window in front of the S column, all requests/payments will be marked for signing or sending to the bank based on the selected criteria (types of information). The number and the sum of the selected requests which may be sent to the bank are shown at the bottom of the display window. Figure: The display window of the To send folder Poslovni Bank@Net user guide 56

8.3.3.1. Sending requests to the bank signing The payment/request package signing/sending process depends on two factors: the selection of the security element (using a one-time password the SecurID card or a qualified digital certificate), the signatory level (individual or collective signatory). The signing process consists of several steps. Step 1: After selecting the payment orders marked for payment, the button (Confirm/Send/Sign) is selected. An individual request or a package of requests may be sent to the bank. The package of requests, which is marked for signing, may have a random name. Random text in the length of up to 35 characters may be entered in the Package description field. The system date and time are set as the name of the package by the application. The procedure continues by selecting the button (CONFIRM). By selecting the button (CANCEL), the signing process is terminated early. The selected requests are not sent to the bank. Figure: The window after clicking on the Confirm/Sign button Before sending to the bank, by clicking on the button (Summary document) a summary document will appear displaying the number and the amounts of requests prepared for sending to the bank. In the Summary document, information about the document and the button to print the document (Print) are at the bottom of the document. By clicking on the button (Export payments to pdf), a new window will appear, in which you can choose between opening the document or saving it on the selected location on your computer. After saving the pdf file, the document may be printed. Poslovni Bank@Net user guide 57

Poslovni Bank@Net user guide 58

Figure: Summary document Poslovni Bank@Net user guide 59

Figure: The summary document in pdf format the option of manual document signing Step 2: The procedure continues with the selection of the security element and the information required for the selected security element. Step 3: After the confirmation, the processing of sending requests to the bank will begin. A new window will appear displaying the transfer of the package of requests to the bank. Poslovni Bank@Net user guide 60

Step 4: After the package of requests is transferred to the bank, a new window will open with the message that the package was successfully transferred to the bank. Figure: The notification on the completed transfer of data to the bank The process of partial signing and sending of the package of requests of the bank is similar to the process of individual signing. The only difference is that the signatories have only the right of partial (collective) signing of the package of requests. This means that until the package of requests is signed by a sufficient number of signatories it will not be sent to the bank s processing system and will be shown in the Partially signed folder. All partly signed packages of requests are displayed in the Partially signed folder. Partly signed packages may be: fully signed (the package of requests will be sent to the bank) by selecting the Send button. cancelled (the package of requests can no longer be sent to the bank) by selecting the button ( Cancel package ). By selecting the button ( Signatories ), you may review the signatories who have previously signed the selected partly signed package of requests. When sending requests to the bank, the procedure may be interrupted. Poslovni Bank@Net user guide 61

The most common reasons for cancelling the payment procedure are: internet connection failure, the user does not have the right of signing the selected account, the user does not have the right of signing with the selected security element (SecurID or a qualified digital certificate), SecurID card is desynchronized you have to call an electronic banking administrator. Important: In the event of internet connection failure or other IT system difficulties, the payment orders can be delivered to the bank in paper form. 8.4. International transactions Payments tab By selecting the Payments tab, the main window of the selected tab will open. The menu is displayed on the left side of the main window of the Payments tab. It differs from the menu for Domestic transactions. The menu contains the following folders: Payments orders With errors To send Sent orders In processing Processed Rejected Sent packages Partially signed Revoked packages Imported packages Draft orders With errors For sending Sent orders Partially signed In processing Processed Rejected Incoming payments Processed Notifications Credit foreign payments Debit foreign payments Poslovni Bank@Net user guide 62

Archive EPP - Draft orders Processed orders Rejected orders Figure: International transactions the left menu of the Payments tab and the main window of the Payments tab 8.4.1. Draft payments folder In the Draft payments folder, payment orders may be prepared in two ways: through manual input, by importing the file in the prescribed structure ISO 20022 8.4.1.1. Manual entry of payment The button Add is at the bottom of the main window of the Payments tab. By clicking the button, the window for the manual entry of a payment order will open. The cross-border payment consists of four information tabs: Payment (general information on the payment) Cover (information on the type of cover for the selected payment) Intermediary bank (information on intermediary bank and an additional description) SEPA information (additional information on the SEPA payment) Poslovni Bank@Net user guide 63

Figure: Cross-border payment The Payment and Cover tabs contain mandatory fields, which have to be filled out for cross-border payments, while the Intermediary bank tab contains only optional fields. All mandatory fields in the Payment window are highlighted in red. The following information has to be entered under Payment : Urgent Payment instrument Payment method By clicking the box, the selected order will be marked as urgent. A SEPA payment may only be non-urgent! After clicking the arrow on the right, a drop-down list will appear to select the appropriate option for each payment. The allowed values for a SEPA payment are BANK TRANSFERS, LETTERS OF CREDIT and CHEQUES. The window for the entry of payment information is automatically adjusted to the selected payment instrument. The application contains built-in controls and therefore when another Payment instrument is selected, the text in the Payment method field will be automatically changed. After clicking the arrow on the right, a drop-down list will appear to select the appropriate option. The allowed value for the SEPA payment is BANK TRANSFER. The Payment method window is automatically adjusted to the selected payment instrument. Poslovni Bank@Net user guide 64

Recipient Recipient bank ABA ROUTING No. (for the USA) Cnaps code (for China) Expiration date Coverage type Amount Payment costs paid by Purpose Reference Entry of information on the recipient. The information may be entered either manually or from the Partners register located under the Account field in the context of Recipient information. If the account is written in the IBAN structure and is correct, the Recipient bank field will be automatically filled out. Entry of information on the recipient bank. If a correct recipient account is entered in the IBAN structure, the field will be automatically filled out. The same applies to the correct SWIFT code of the recipient bank. Recipient bank is MANDATORY for BANK TRANSFER. This information is required only when the country of the recipient bank is USA 840. Example: FW123456789. This information is required when the country of the recipient bank is China. Example: CN123456789012 or CN12345678901234. Entry of the due date of the payment order. The default value is set to the current date. After clicking the arrow to the right of the date input field, the calendar will open so as to select the date. Select the type of cover. The default value is set to 1 TA in the currency of the bank transfer. After clicking the arrow to the right of the date input field, a drop-down list will appear to select the appropriate option: 1 TRR in the currency of the bank transfer, 2 TRR selection of all currencies. Entry of the amount of the payment order and selection of the currency. The default value is set to the domestic currency EUR. The currency is selected by clicking the arrow in the right corner of the input field. Selection of the appropriate type of charges. The default value is set to SHA. After clicking the arrow to the right of the date input field, a drop-down list will appear to select the appropriate option: SHA, BEN or OUR. With the execution of payment orders in all currencies for the countries of the EEA (the area of the 28 EU member states and 3 EFTA countries) is allowed only the selection of charges "SHA". With the execution of payment orders in all currencies for all the countries (outside the EEA area) allowed the selection of all three options of payment of charges (OUR, BEN, SHA). Entry of a description of the purpose of payment. The default value is set to Invoice payment. Purpose and Reference for a SEPA payment are mutually exclusive. A structured reference for SEPA payments only the RF reference is allowed. Purpose and Reference for a SEPA payment are mutually exclusive. The entered information is confirmed by selecting the button (CONFIRM). Poslovni Bank@Net user guide 65

Important: If the option 1 TA in the currency of the bank transfer is selected, the cover information will be automatically filled out and the payment order will be saved into the In preparation and Orders for payment folders. If the option 2 TA selection of all currencies is selected, it is necessary to manually enter the cover information. Select the Cover tab. Figure: Cover tab If the option 1 TA in the currency of the bank transfer is selected, the cover information will be automatically filled out and the payment order will be saved into the In preparation folder. If the option 2 TA selection of all currencies is selected, the cover will first be shown in EUR. To delete this cover, click the button Delete. To add a new Cover, click the button (ADD). A new window to input the cover will appear: Poslovni Bank@Net user guide 66

Figure: Entry of a new cover Under the Cover tab, the following fields have to be filled out: Currency Account (for the cover) Amount The currency is selected by clicking the arrow in the right corner of the input field. Information for an active account is already filled out. The default amount is equal to the amount of the payment order, therefore it is necessary to delete the amount and click on the button in order for the amount to be automatically converted into the selected currency. If the EUR currency is selected, the conversion will be made according to the selling exchange rate of Nova KBM as at the date the order was entered. If another currency is selected, an informative conversion will be made according to the latest exchange rate of the Bank of Slovenia as at the date the order was entered. The entered information is confirmed by selecting the button (CONFIRM). The following fields (all are optional) can be filled out under the Intermediary bank tab: Intermediary bank Information on the intermediary bank. Additional description Information an additional description intended for the bank. If the entered SWIFT code of the bank is correct, the details of the bank will be filled out automatically. Poslovni Bank@Net user guide 67

Figure: The Intermediary bank tab Important: If after entering the information in the Payment window in the EUR currency the PBN application recognises that this is a SEPA payment, the fourth tab SEPA information will automatically appear in the Payment window. The SEPA information tab will be displayed provided that the following conditions are met: currency (EUR), amount (<=50,000.00), bank charges (SHA), urgency (non-urgent payment), payment instrument (1 bank transfer, letters of credit letters and cheques, 2 cancellation of transfer, letters of credit and cheques), payment method (BANK TRANSFER), SWIFT of the recipient bank (verification of its existence in the register of SEPA participants). The SEPA information tab will not be displayed if the Urgent field is selected or if the conditions for a SEPA payment are not met. The following fields (all are optional) can be filled out under the SEPA information tab: Reference code Purpose code Purpose category Payer identification code Recipient identification code Final debtor Final creditor Entry of the reference code. After clicking the arrow on the right, a drop-down menu will appear to select the appropriate purpose code. After clicking the arrow on the right, a drop-down menu will appear to select the appropriate purpose category. Entry of the payer s identification information. Entry of the recipient s identification information. Entry of the final debtor s identification information. Entry of the final creditor s identification information. Poslovni Bank@Net user guide 68

Figure: The SEPA information tab The cross-border payment order is saved by selecting the (CONFIRM) button. The entered information will not be saved if the button (CANCEL) is selected. In the case of entering a payment order for cash withdrawal, select CASH instead of the default BANK TRANSFER by clicking the arrow. A new window to input payment will appear. Payment instrument Payment method Cash withdrawal Date of submission Cover type Amount Payment costs paid by Purpose A payment instrument can only be 7 FOREIGN CURRENCY. The payment method can only be CASH. Entry of information (first and last name, type of the identification document, number of the identification document). The information has to match the information held by the bank. Entry of the due date of the payment order (the default value is set to the current date). After clicking the arrow to the right of the date input field, the calendar will open so as to select the date. Selection of the type of cover (the default value is set to 1 TA in the currency of the bank transfer). Entry of the amount of the payment order. The currency is selected in the field next to the amount. The currency is selected by clicking the arrow in the right corner of the input field. The EUR currency is not permitted. Selection of the appropriate type of charges; only SHA is allowed. Entry of information about the purpose of the transfer (the default value is set to CASH WITHDRAWAL). Poslovni Bank@Net user guide 69

Figure: Withdrawal of cash in a foreign currency Please fill out only the fields highlighted in red! The order is saved by selecting the button (CONFIRM). The entered information will not be saved if the button (CANCEL) is selected. 8.4.1.2. Importing a package of requests A file of cross-border requests is imported in the same way as described in Section 9.3.1.2 hereof. 8.4.2. Draft payments folder The entry of an order is only enabled for the International transactions right. By clicking on the Draft payments folder, a new window will open to enter the order. To add a new order, select the button (ADD). A new window to input the order will appear. Poslovni Bank@Net user guide 70

Figure: Adding a new order When adding a new order, the following request types are available: Sell currency Buy currency The following information is entered in the window: Amount. Selection of currency click on the arrow to the right of the currency displayed in the window. By clicking the arrow, a list of currencies will be displayed. By double-clicking on the selected currency, it will be entered in the Currency field. Due date the default value is set to the current date. By clicking on the field, the calendar will appear so as to select the appropriate date. Conversion to by clicking the Add button, a new window for selecting the cover will open. See Section 9.4.1.1 hereof. The order is saved by selecting the button (CONFIRM). The entered information will not be saved if the button (CANCEL) is selected. The PBN application contains controls of the correctness of the entered information. If an item of information or data is incorrect or missing, the field with an error will be marked in red and an appropriate notification will appear. Poslovni Bank@Net user guide 71

Important: As a general rule, the date of order execution may not be longer than 1 business day from the current date of creation and sending the order. This control is performed upon the entry of the order. Orders are placed in the folders with an appropriate processing status in the same way as in the Payment tab. Orders are sent to the bank under the same procedure as described in Section 9.3.3.1 hereof. 8.4.3. Incoming payments folder The Incoming payments folder contains a display window showing all incoming crossborder payments for the selected business account. In this folder you may only view, export and print individual payments. Export is only possible in the ISO 20022 standard. Figure: The main window of Incoming payments All information about the incoming cross-border payment is displayed for a particular incoming payment. Poslovni Bank@Net user guide 72

Figure: Overview of incoming cross-border payments 8.4.4. Notifications folder The Notifications folder includes a list of all notifications on sent outgoing cross-border payments and received incoming cross-border payments. The folder contains two sub-folders, which display filtered notifications: Credit foreign payments Debit foreign payments Figure: The display window of the Notifications folder An individual notification may be exported in the ISO 20022 standard. Poslovni Bank@Net user guide 73

8.5. Messages tab The Messages tab enables safe communication of the PBN application user with the bank. It allows two-way communication, i.e. sending messages to the bank and receiving messages from the bank. The process of sending messages to the bank is the same as the process of sending requests, which means that the messages have to be signed. The messages are sent using the SSL protocol and therefore cannot be read by third parties. In the display window of the tab on the left side are the following folders for messages: Received messages For confirmation Messages draft Sent messages 8.5.1. Received messages folder All the notifications sent to the PBN application user by Nova KBM are displayed in the display window. By clicking on the selected notification, the notification of the bank will be displayed: Figure: The main window of the Messages tab Figure: Display of the selected notification Poslovni Bank@Net user guide 74

8.5.2. For confirmation folder All received messages for which confirmation was requested by the bank are in the For confirmation folder. All messages for which confirmation was requested by the PBN application user are in the folder s display window. By clicking on the selected message, the latter will be highlighted in blue in the display window. The action buttons will be displayed at the bottom of the display window. The following actions may be selected in this folder: Review Duplicate Change/Edit Delete Send By clicking Review for the selected message, the content of the message will appear in a new window. Figure: The content of the message waiting for confirmation If the user agrees with the displayed content, they can return to the display window by clicking on the Back button, mark the message and send it to the bank by clicking on the Send button. Messages are sent in the same way as described in Section 9.3.3.1 hereof. The message that has been sent to the bank is automatically placed in the Sent messages folder. Poslovni Bank@Net user guide 75

Figure: Sent messages 8.5.3. Messages draft folder The PBN application user may send a message to the bank. The message is prepared in the folder Messages draft. When entering a new message, the following information needs to be filled out: Message type Subject Content Attachments Selection from the drop-down list. The title of the message a MANDATORY field. The content of the message that the user wishes to convey to the bank. Attachments in a random format may be added to the message (Word, Excel, pdf, jpg, etc.). An attachment is imported in the same way as a file as described under Section 9.3.2.1 hereof. Different types of messages can be selected: Depending on the selected type of message, the messages will be forwarded to those departments in the bank, which are in charge of dealing with a particular message type. Important: Attachments documentation may be added when entering the message. A request file is imported in the same way as described in Section 9.3.1.2 hereof. Poslovni Bank@Net user guide 76

Figure: Entry of a new message The entered messages are in the Messages draft folder. Messages can be sent to the bank either individually or in a package. A package of requests is sent in the same way as described in Section 9.3.3.1 hereof. After successfully sending the messages to the bank, they will be automatically moved to the Sent messages folder. 8.6. Mailbox tab The following types of transactions are possible in the mailbox tab: All e-invoices, e-subscriptions/e-unsubscriptions, SEPA Direct Debit MSEPA credit transfer Cards Accounts Poslovni Bank@Net user guide 77

Letter of credit Deposits MONETA Securities Loans Other All these types of transactions in the Mailbox tab have the same structure of display windows, folders, actions and statuses as already described for individual tabs of the PBN application. Only special features of each type of transaction are described below. 8.6.1. All Under All are displayed all Notifications for those types of transactions for which the user has been assigned the rights of the Mailbox tab. The notifications displayed in the main All transactions folder are not grouped by transaction type. By clicking on the selected type of transaction in the drop-down list, a display window will open showing the selected types of transactions as well as the folders and information that the selected transaction type contains. A large number of notifications for several business accounts can be exported. Figure: The menu for selecting the types of transactions in the Mailbox tab 8.6.1.1. Exporting a large number of notifications according to the selection criteria of the Poslovni Bank@Net user Under the Mailbox tab, it is possible to export a large number of notifications for several business accounts, for which the PBN application user has been assigned the rights. Poslovni Bank@Net user guide 78

Figure: The Mailbox tab All By clicking on the button (Export), a new window for the selection of criteria will appear. In the new window for exporting messages, the following default criteria are displayed: Period from to (the period appears depending on the selected date in the display window) Accounts: All Message types All criteria may be changed by clicking on (change) next to each criterion. By clicking on (change) next to Period from to, a random period can be selected. The date from to that was selected in the main window is displayed. Poslovni Bank@Net user guide 79

By clicking on (change) next to Accounts: All, the selection of accounts will be shown. Any number of accounts may be selected by either marking one account or holding the Ctrl key on the keyboard and marking several accounts. By clicking on (change) next to Message types, the selection of messages will be shown. Any number of messages may be selected by either marking one type of message or holding the Ctrl key on the keyboard and marking several types of messages. After selecting the criteria and clicking on the Export button, a new window will appear: Poslovni Bank@Net user guide 80

After the export of messages is completed, a new window will appear to save or print the messages: The file is saved on your computer or opened and viewed. Important: The messages are compressed zipped, therefore it is necessary to have the Zip application installed on your computer. A window with the folders containing various messages will appear: By clicking on a folder, the content of the exported file will be displayed. The selected file contains: Attachments Message Poslovni Bank@Net user guide 81

By clicking on the Attachments folder in the file, the content of the selected folder will be displayed: Important: The attachments are in pdf format. The messages are written in html format. 8.6.2. E-invoices After selecting the E-invoices transaction type, a display window will open with the following folders in the left menu: Draft orders Sent requests Received e-invoices Sent e-invoices An overview of imported packages of e-invoices awaiting confirmation for sending to the e-invoice system. An overview of all statuses of sent requests (packages of e-invoices). The e-invoices that have been received from other e-invoice issuers. An overview of the e-invoices that have been sent to the bank. E-return An overview of received positive and negative return receipts for the e- invoices sent to other participants in the e-invoice system. Poslovni Bank@Net user guide 82

Figure: The main window of e-invoices 8.6.2.1. E-invoices display The e-invoices received from issuers are displayed under Received e-invoices. By selecting the Received e-invoices" folder, all received e-invoices will be shown. For a detailed view, mark the selected e-invoice in Received e-invoices. By double-clicking on the selected e-invoice or on the e-invoice will open. icon Details, a new window with information on the Attachments are in the bottom left corner of the window. Attachments may be in different formats: pdf, tgz, xml, etc. By clicking on the selected format of the attachment, the selected attachment will be saved to the selected location of your computer. Poslovni Bank@Net user guide 83

By clicking on the button (Payment), a new window with the information on the payment will appear. The payment order can be reviewed, updated or just saved. By clicking on the Save button, the created payment order will be placed in the queue of payment orders under the Payments tab in the Draft payments folder. A warning message appears on the screen, informing the PBN application user about the location of the created payment order. 8.6.3. E-subscriptions/e-unsubscriptions display The following folders are visible on the left side of the window under E-subscriptions/eunsubscriptions : Subscribe Entry and sending of a new e-subscription to receive an e-invoice. Unsubscribe Entry and sending of a new e-unsubscription from receiving an e-invoice. Received orders An overview of e-subscriptions/e-unsubscriptions. Sent orders E-return The e-subscriptions/e-unsubscriptions which were sent to the other bank. An overview of received positive and negative return receipts for E-subscriptions/e-unsubscriptions sent to other participants in the e-invoice system. By clicking on the "Subscribe folder, a window will open to enter a new e-subscription. The window will open so as to select the e-invoice issuer to whom the e-subscription/eunsubscription will be submitted. Poslovni Bank@Net user guide 84

By double-clicking the e-invoice issuer will be selected, to whom the e-subscription/eunsubscription will be submitted. A new window to input information will open. Poslovni Bank@Net user guide 85

IMPORTANT: Before sending the e-subscription/e-unsubscription, the user must agree with the general terms and conditions of both the issuer and the bank. By selecting the Send button, the e-subscription/e-unsubscription will be submitted to the bank. The processing of the sent e-subscription/e-unsubscription can be monitored under Sent. 8.6.4. E-return receipts folder The E-subscriptions/e-unsubscriptions and E-invoice enable to view the received positive and negative e-return receipts for sent e-subscriptions/e-unsubscriptions and e-invoices. In the event that the issuer sends a confirmation or rejection of the e-subscription/e-unsubscription or e-invoice, a notification will appear in the E-return receipts folder. An e-return receipt is a notification of the issuer regarding the receipt of the user s e-subscription/e-unsubscription. Select the E-return receipts folder in the drop-down list. A display window will open showing all received e-return receipts. Figure: Display of the content of a received e-return receipt The negative e-return receipt also contains the description of the cause of rejection of the sent e-subscription/e-unsubscription or e-invoice. Important: E-return receipt is not a mandatory e-document, which the issuer is obligated to send as confirmation or rejection of the sent e-subscription/e-unsubscription or e-invoice. Furthermore, the e-invoice system does not yet enable to send negative e-return receipts for received e-invoices. Only positive e-return receipts for received e-invoices can be sent. Only the e-return receipts submitted by e-invoice issuers are visible in the PBN application. Poslovni Bank@Net user guide 86

8.6.5. SEPA Direct Debit The following folders are visible on the left side of the screen under SEPA Direct Debit: Draft orders Sent orders Messages An overview of SEPADD packages waiting to be confirmed prior to processing. An overview of all statuses of sent SEPADD requests (packages). An overview of different types of notifications. By clicking on an individual folder, it will open and the information that the folder contains will be displayed. IMPORTANT: Only an imported SEPADB package with the status FOR_PROCESSING may be revoked. SEPADB packages with the following statuses may be deleted: FOR_VALIDATION VALIDATED UNDER_VALIDATION REJECTED ERROR Poslovni Bank@Net user guide 87

8.6.5.1. Review of details of the SEPADD package For a detailed view, double-click to select a particular SEPADD package in the Sent packages display: To view the content of the package, select the button (Show content). A new window will open displaying the content of the selected package/request: The application enables to export the rejected SEPADB packages. Information is exported in the ISO 20022 standard (pain.002.001.03). Poslovni Bank@Net user guide 88

8.6.5.2. Notifications folder Various notifications for the user are delivered to the Notifications folder. The notifications are divided into the following folders: The folder contains: Notifications for the debtor (payer): - notification on SEPA DD, - notification on non-executed SEPADD, - notification that a refund was executed for SEPA DD. Notifications for the creditor (payment recipient): - notification that a refund was executed for SEPA DD, - report on executed and non-executed SEPA DD, - migration of mandates. The folder contains: notifications on a submitted refusal of SEPA DB 8.6.6. MSEPA Credit transfer On the left side of the display window of the MSEPA Credit transfer transaction type are the following folders: Draft orders Sent orders An overview of SEPA mass payments waiting to be confirmed prior to execution. The packages of SEPA mass payments that were sent to the bank. Important: The package of SEPA mass payments with the following status can be confirmed: VALIDATED VALIDATED_WITH_ERRORS Poslovni Bank@Net user guide 89

Packages with the following statuses may be deleted: FOR_VALIDATION VALIDATED UNDER_VALIDATION REVOKED ERROR 8.6.7. Cards Select the Cards transaction type in the drop-down list. The following folders will appear: All cards Debit Credit An overview of all business cards. An overview of debit business cards, filling and emptying of individual business cards. An overview of cards with a deferred payment. By selecting the All folder, a window will open showing all business cards for a particular business account. By selecting the Debit or Credit folder, a new window will open with the information about the selected type of business card, i.e. either only Debit cards or only Cards with deferred payment. The application enables to export the overview of all business cards with a deferred payment. The export is enabled in pdf format and Excel. The export is enabled for any number of selected business cards. The meaning of the buttons in the Cards display: (Statements) (Filling) (Emptying) (Back) (Download statements) (Transactions) (Details) An overview of transactions on the selected business card. Filling of the business card display of the payment order with precompleted information. Emptying of the business card display of Transfer between accounts with pre-completed information. Switching of screens. An overview and printing of card statements. An overview of transactions on the selected card. An overview of details about the selected card. Poslovni Bank@Net user guide 90

8.6.7.1. Details of an individual business card By clicking on an individual business card, basic information about the selected business card will be displayed. The information displayed for a particular business card is divided into 4 sets: Card: information on the cardholder, card number, card status, card validity and notification via a security text message (SMS); Card limits: information on POS terminal daily limit for cash and purchases, ATM daily limit, ATM and cash daily limit, online daily limit for purchases; Prepaid account: information on filling the business pre-paid VISA card; Status: information on the status of the selected card. By clicking the empty box in front of a particular business prepaid card, an arrow will appear in the window, thereby marking the selected card. The line is highlighted in light blue and the buttons for individual actions are displayed at the bottom of the screen: (Transactions) (Details of the selected card) (Statements) (Filling the selected card) (Emptying the selected card) Transactions can be viewed in two ways: by clicking on the Status field, by selecting the empty box in front of a particular business prepaid card. The Cards folder enables: an overview of Status by individual business card, filling an individual business card with a payment order, an overview of transactions on the selected business prepaid card, Poslovni Bank@Net user guide 91

an overview and printing of statements by individual business card or overview and printing of a summary statement for all business cards of the business account, emptying an individual business card by transferring funds between accounts. 8.6.7.2. Filling the business card By clicking on the appear. button Filling, Payment with already filled out information will Only Amount has to be filled out in the payment order: After filling out the missing information ( Amount ) and clicking on the Confirm action, Payment will be placed under the PAYMENTS tab in the Draft payments folder. A new window will appear on the screen, informing the user that Payment" was placed into the Draft payments folder. A request/payment (package) to fill the business prepaid VISA card is sent to the bank in the same way as a package of requests described in Section 9.3.3.1 hereof. A package of requests is prepared, which is then sent to the bank for processing. After the requests/payments have been processed, the filling of the business prepaid VISA card is visible both in the transactions by an individual business prepaid VISA card and in the status of a selected card the Debit cards display. Figure: The payment order payment for filling the card Poslovni Bank@Net user guide 92

8.6.7.3. Emptying the business card By clicking on the button Emptying, the new window Transfer between accounts with pre-completed information will appear. Only Payment amount has to be filled out in the new window. After filling out the missing information ( Amount ) and clicking the Save action, the transfer order will be placed into the Sent requests in the folder menu on the left side of the window. After saving the request to empty the business prepaid VISA card, a new window will appear on the screen, informing the user that the transfer order was placed into the Sent requests folder. The sending of the request to empty the business prepaid VISA card has to be authorized first. By authorizing the selected sent request, the latter is then sent to the bank for processing. After the sent request has been processed, the emptying of the business prepaid VISA card is visible in the transactions by an individual business prepaid VISA card, in the status of a selected card the Debit cards display and as a credit transaction on the business account. The application ensures control of the available amount for the selected business prepaid VISA card. In the entered amount is too high, the application alerts the user that the amount exceeds the balance on the selected business prepaid VISA card. After entering the information to execute the emptying of the business prepaid VISA card, the entry has to be confirmed by clicking on the Save button. A new window will appear on the screen, informing the user that the new request was placed into the Sent requests folder. Poslovni Bank@Net user guide 93

By clicking on the will be displayed. 8.6.7.4. View of transactions and printing of statements icon, the transactions for the selected business prepaid VISA card By double-clicking on the particular type of transactions, a new window will open with the details of that transaction type. By clicking on the icon Download statement" settings, a new window will appear to select the type of statement. The type of statement can be selected based on: the number of statement, the type of statement. Poslovni Bank@Net user guide 94

If the number of statement is not selected, the PBN application will alert the user of the error in a new window. By clicking on the Download statement" button, the window will appear to either open the statement or save it on your computer. Poslovni Bank@Net user guide 95

Depending on the selection of Open or Save, the selected number and type of statement will be displayed. The selected statement may be saved or printed. 8.6.8. Accounts Select the Accounts transaction type in the drop-down list. The following folders will appear: Messages Compensations Interests Notices Issuers An overview of all notifications for the business account, which are not grouped by notification type. An overview of notifications on fees for the business account. An overview of notifications on interest added to the business account. An overview of notifications on any outstanding fees for the business account. An overview of notifications on the settlement of specifications by payment card merchants. By selecting the Accounts folder, a window will open showing all notifications for a particular business account. By selecting the Compensations or Interests folder, a new window will open with the information about the selected type of notification, i.e. either only Compensations or only Interests. The Notices folder contains notifications on outstanding fees for the selected business account. The Issuers folder contains the specifications for settlement by payment card for merchants. By clicking the selected notification, the content of the notification will be displayed. Poslovni Bank@Net user guide 96

8.6.9. Letter of credit Select the Letter of credit transaction type in the drop-down list. On the left side of the window, the following folders will be displayed: Draft orders Sent orders Messages Entry of a request to open a letter of credit and amend a letter of credit the 1966/04 form. An overview of sent requests to open a letter of credit. An overview of notifications on the opening of a letter of credit. By selecting the Draft orders folder, a new window will open to enter the information on the request to open and amend a letter of credit: To enter the information on the request to open a letter of credit, click on the Draft orders folder to open the window for entering or amending the required information. Poslovni Bank@Net user guide 97

8.6.9.1. Opening a new letter of credit By clicking on the Draft orders folder on the left side of the screen, a window will appear to enter a new or amend an existing letter of credit. In the new window, you can select between entering a new letter of credit and amending an existing letter of credit. To select, mark the box on the right side of Opening a letter of credit or Amending a letter of credit. Depending on the marked box, a window will open either to enter a new letter of credit or amend an existing letter credit. The window for opening a new letter of credit contains mandatory fields. The mandatory fields in the PBN application are highlighted in red. The following will be written for each field in which mandatory information has to be entered for opening a new letter of credit: Mandatory information. When entering certain information, the PBN application will offer a selection of information from various directories such as: selection of countries selection of payment currencies selection of designations and a description of the statistical bases calendar to select the date The PBN application contains controls of the correctness of the entered information on: SWIFT code of the beneficiary bank, correct beneficiary account in the IBAN structure. Along the input fields ensuring the abovementioned controls is the button Check. By clicking on this button, the PBN application checks the entered information. If the entered information is correct, the PBN application will fill out all the required fields. In verifying the SWIFT code of the beneficiary bank, all input fields of the beneficiary bank will be filled out by clicking on the Check button. Poslovni Bank@Net user guide 98

Input field (57) BENEFICIARY BANK Poslovni Bank@Net user guide 99

Next to some input fields, such as listing of various documents, you may find a box for marking. By clicking on the box, the latter will be marked with an arrow. If a field for the manual entry of text is next to the marked box, an additional description of the marked document (number, description, etc.) may be entered in the field if necessary. By marking a particular document, an attachment document may be selected. Poslovni Bank@Net user guide 100

After filling out the mandatory input fields and selecting the documents for opening a new letter of credit, a set of input fields will appear at the bottom of the screen so as to enter the required bank information such as: the manner of ensuring cover for opening a new letter of credit, the payment of commissions and fees to the bank, the payer of commissions and fees to the bank. Before saving all the information entered, the EPP application allows to import various attachments. The attachments may be in different formats such as Word, Excel, pdf, html. By clicking on the prepared attachments will open. button Add attachments, a new window to import the By clicking on the Browse button, a window will open to select the file you want to import as an attachment. Poslovni Bank@Net user guide 101

Mark the selected file in the window, click the Open button and the selected file will be displayed in the window for importing the attachment. By clicking on the Import button, the attachment will be displayed on the screen. Successfully added attachment(s) will be shown in the bottom right corner of the screen. Important: The described procedure of adding attachments has to be repeated each time a new attachment is added. The size of an individual attachment is limited to 10MB. The PBN application allows: to view added attachments, to delete added attachments, to add different types of attachments. The added attachments may be viewed by clicking on the link below File name. The added attachment may be deleted by clicking the X symbol below Download status. The Save button is at the bottom of the entry of information for opening a letter of credit. By clicking on the Save button, a notification regarding the correctness of the entered information will appear: Poslovni Bank@Net user guide 102

If the PBN application detects an error or missing mandatory information, the following error messages will be displayed in the bottom left corner of the screen: If an error is detected, the PBN application will not allow to save the already entered information for opening of a new letter of credit. If the entry of information is successful, the new request will be assigned the VALIDATED status and moved into the Sent orders folder, awaiting to be signed and sent to the bank. 8.6.9.2. Amending a letter of credit Next to Amending a letter of credit in the Preparation folder a new window will open to enter information for amending a letter of credit. The amendments which need to be made to the existing letter of credit are entered in the box for amending a letter of credit. In amending a letter of credit, new attachments may be added in the same way as described in Section 9.6.7.1 hereof. Important: When amending a letter of credit, it is mandatory to enter the number of the existing letter of credit which is being amended. Poslovni Bank@Net user guide 103

After clicking the Save button, a notification that the letter of credit has been successfully amended will appear and the request for amending the letter of credit will be placed into the Sent orders folder, awaiting to be signed and sent to the bank. 8.6.9.3. Messages Select the Messages folder in the drop-down list. All notifications on opening a nostro letter of credit will be displayed. The selected notification may be opened by double-clicking on it or it may be marked and opened with the button Review. This button is in the bottom left corner of the window. A new window will open displaying the information about the selected notification. The attachment is in pdf format and can be saved to your computer or printed. Several notifications for different business accounts may be exported. Poslovni Bank@Net user guide 104

8.6.10. Deposits Select the Deposit transaction type in the drop-down list. The following folders will appear: Messages Daily interests Monthly interests An overview of all notifications regarding deposits. An overview of daily notifications regarding interest rates. An overview of monthly notifications regarding interest rates. By clicking on the selected notification, a new window with the information on the selected notification will appear. The notification is in pdf format and can be saved to your computer or printed. Several notifications for different business accounts may be exported. 8.6.11. MONETA Select the MONETA transaction type in the drop-down list. The Messages folder in MONETA is on the left side of the window. The folder contains monthly statements of transactions with business Moneta. By clicking on the selected statement, a new window with the information on the selected statement will appear. Poslovni Bank@Net user guide 105

8.6.12. Securities Select the Securities transaction type in the drop-down list. The following folders will be displayed in a new window: Messages An overview of all notifications regarding securities. Yearly statements Notices Issued invoices An overview of all annual statements for securities. An overview of reminders to pay the issued invoices. An overview of the invoices issued for carrying charges and annual fee for management of securities. The selected notification may be opened by double-clicking on it or it may be marked and opened with the button Details. This button is in the bottom left corner of the window. A new window will open displaying the information about the selected notification. 8.6.13. Loans Select the Loans transaction type in the drop-down list. On the left side of the window, the following folder will be displayed: Interests An overview of notifications regarding loan interest rates. Notifications and attachments can be viewed in the same way as described in previous sections hereof. Poslovni Bank@Net user guide 106