Internet Banking for corporate Internet Banking for corporate clientsclients

What isWhat is the “Remotethe “Remote banking”banking”

• Remote banking is an alternative to traditional banking that gives an opportunity to enjoy banking services (payments, statements, access to accounts: current, card, credit, deposit) without coming to the bank office

• Halyk Bank of Kazakhstan can offer you 3 modules of remote banking:

– “Bank – Client” module (software is installed on the client’s PC) allows you within few minutes to make payment documents, send them to the Bank, receive an acknowledgement of document payment, and check current status of account

– “Internet – Client” module (access to the accounts through https://ib.halykbank.kz) allows fulfilling of different bank operations through the bank site, as well as tracking of the current status of accounts

– “Online statement" module (access to the accounts through https://ibank.halykbank.kz) allows seeing account remainder and account statement by use of login and password

• For remote banking Halyk Bank of Kazakhstan uses solutions of “Bank Soft System’s» company (Saint Petersburg)

Why we selected solutions from “Bank Soft Why we selected solutions from “Bank Soft System’s” companySystem’s” company

• The most complete set of available services for a client and handy interface (noted by business departments of the Bank)

• Industrial solution with large number of installations. Bank Soft System’s during 10 years has been specializing only on solutions for remote banking and has all spectrum of remote services

• More than 60% of 200 top banks in Russia use solutions of BSS + 5 banks in Kazakhstan

• Independent reviews of different agencies (Сnews, ORT and etc.) reveal high satisfaction of not only banks, but also their clients when using solutions of BSS

• According to rankings of “Expert" rating agency and Internet publication CNews.ru, “Bank’s Soft Systems" is in a hundred of major and the most rapidly developing IT-companies in Russia (first among banks specializing on solutions in remote banking area)

• The system of quality management BSS is certified according to international standard of ISO 9001:2000

• Presence of support service in Almaty (“BSS-Kazakhstan”company)

Ways of connecting to the systemWays of connecting to the system

RB BSS

“Bank – Client” module

RB BSS

RB BSS

Automated Banking system

Internet

Internet

Modem pool

Automated Banking system

Automated Banking system

“Internet – Client” module

Payment status alterationPayment status alteration

• In “Internet banking for corporate clients” system the payments status change quite quickly (see picture below) and clients can see at once current status of a payment document

• Delays in status alteration may only be associated with time the manager spends on document settlements

Advantages of the “Internet – Client” moduleAdvantages of the “Internet – Client” module

1. Independence from the place of payment fulfillment

2. Possibility of remote signing of the documents prepared by the Accounting department

3. No worries for loss of the payment document database (death of equipment, theft, shut – down)

4. Image policy – my bank is always with me

5. No need for the Bank to install systems - mass instilment

6. Simplification of replication of client parts’ fulfillment

7. License cost and system technical support are less pricey

8. Online clients information support

Interface of the “Internet – Client” moduleInterface of the “Internet – Client” module

Advantages of the “Bank – Client” moduleAdvantages of the “Bank – Client” module

1. More steady and faster connection with the bank

2. Multi - screen (when a client can browse several kinds of documents simultaneously in one or several screens)

3. Presence of confirmation

4. Presence of convenient filters for documents revision

5. Possibility to export and import archives of payment documents into external databases, i.e. possibility to select certain status of documents for archives

6. Momentary receipt of account statements upon request due to simplified transport system and separately drawn image

7. Functioning of software does not depend on operational system

Interface of the “Bank – Client” moduleInterface of the “Bank – Client” module

Which services are available in the Internet Which services are available in the Internet BankingBanking

• Receipt of statements on cash remainders and cash flow on bank accounts for any period of time (incoming and outgoing remainder, transactions per day, statement on every operation)

• Current information receipt оn cash flow on accounts of subsidiaries and branches located in various regions

• Preparation and submission of payment documents to the Bank for internal and external money orders in KZT and foreign currency

• Carrying out international money orders

• Transferring salaries and other payments of employees to their Bank accounts

• Transferring payments to savings pension funds

• Payment of mandatory social fees and taxes

• Control of own deposit accounts as well as their crediting and reduction (in the presence of such possibility in terms of deposit)

• Keeping track of changes in own credit accounts in the bank

• Control of employee expenses on corporate card accounts

• Review of currency exchange rates and other financial reference information

• Carrying out cashless buying/selling of foreign currency

• Making custom payments

What else can surprise you in the Internet What else can surprise you in the Internet BankingBanking

• Remote banking not only makes your work easy and fast but also provides additional facilities

• Keeping online track of status changes in payments sent to the bank (signed, sent, delivered, received, executed)

• Information exchange (payments, statements, currency exchange rates and etc.) between the bank and your accounting software (1С: Enterprise and others)

• Use of automatic filling out of payment order details by reference systems internal (employees, counteragents and others) and external (foreign banks and etc.)

• Forming archives of payment documents of a long period

• Immediate exchange of informational letters with the bank having an option of files attachment

• Convenient and flexible control algorithms, which suggest you the errors in filling details already on the stage of preparing a payment

• Direction of request on recall of payment document (upon necessity)

• Flexible system of payment confirmation (by sum, account number, account currency, payment type) signed by an executive

• Use of certified cryptographic means of security of information transmitted between the bank and a client

• Twenty four hours a day consultation support on all questions arising– 8-727-259-00-00 (for Almaty)– 8-8000-8000-59 (call over Kazakhstan is free of charge)

How to connect to Internet BankingHow to connect to Internet Banking

• To enjoy the services of the system 3 simple steps must be taken– To have a current account in Halyk Bank/conclude an

agreement to open an account in case of its absence

– To prepare for work with the system your PC, modem, telephone line or any other way to access Internet

– To call a manager to the bank branch to conclude an agreement on banking in the system of Internet Banking and to choose a system module who will work with (“Bank – Client” or “Internet – Client”)

How much will it costHow much will it cost

• The cost of the “Internet banking” system is charged in accordance with the Tariffs of the bank and includes the following– Single payment for the installation and adjustment of

the system on your PC including• visit of the bank specialist to your office for installment of the

system• assistance in generation of your personal key EDS on USB-

flesh• instruction of your personnel and necessary consultations

– Monthly subscription fee for the system maintenance

– Payment for bank services provided by the system

Commission fees for Internet BankingCommission fees for Internet Banking

Name of the serviceAmount of the tariff

Bank – Client Internet - Client

Substitute of the system “Bank - Client" (Colvir) for the system “Internet banking for corporate clients"

Free Free

Connection of one main working place to the system "Internet banking for corporate clients"

7000 KZT 5000 KZT

Connection of an additional working place to the system "Internet banking for corporate clients"

3500 KZT 2500 KZT

Granting an additional EDS key 5000 KZT 3000 KZT

Substitute of the EDS key•due to expiration•on the initiative of a client

Free2000 KZT

Free2000 KZT

Monthly fee for the use of each EDS key 1500 KZT 1000 KZT

Technical support of the system “Internet banking for corporate clients“•consultations on the phone or at the bank office•visit of the office engineer to deal with breakdowns•second visit of the office engineer (the same reason) within a calendar month

Free3000 KZT5000 KZT

Free3000 KZT5000 KZT

Payments fees for Internet BankingPayments fees for Internet Banking

With the current value date

before 13.00 local time 0.2% min. 190 KZT max. 420 KZT

from 13-00 till 15.00 local time 0.2% min. 270 KZT max. 620 KZT

from 15-00 till 16.00 local time 2500 KZT

from 15-00 till 16.00 local time 1800 KZT

Term payments (within 1 hour) 1000 KZT

With the future value date and payment fulfillment

On the second business day 0,15% min. 120 KZT max. 340 KZT

On the third business day 0,1% min. 80 KZT max. 250 KZT

Which module to chooseWhich module to choose

• “Bank – Client” module– designed for the work on PC on which we install software of “Internet banking for

corporate clients” system module. Besides that, the software with the database can be installed on a portable digit carrier (USB Flash drive) and you work by connecting the carrier to the PC. Payment documents are formed on the local PC (or on the digit carrier), then the connection with the bank is performed and payments are transmitted to the bank. Reference information of the client (employees, counterparts, Code of Payment Purpose, Code of Budget Classification and etc.) is located and corrected locally on the client’s PC, thereby the work with module “Bank – Client” flows faster than in “Internet – Client” module.

• “Internet – Client module»– designed for the work on any PC in any part of the world in Internet through the

site of the bank https://ib.halykbank.kz. As the payment documents are formed immediately on the bank server, the permanent connection with the bank is necessary, even on the stage of documents preparation. Reference information of the client (employees, counterparts, Code of Payment Purpose, Code of Budget Classification and etc.) is placed on the bank server. Subscription fee for the Internet – Client module is lower than for “Bank – Client” module.

• You can use combined order and confirmation

What do combined regime and approval What do combined regime and approval meanmean

• Combined regime

– option of use of both modules of the System, but only in the presence of two EDS

– is used in the case when an executive wants to sign all documents sent by his accountant

– works when the module “Bank – Client” has the First Signature, and the module “Internet – Client” the

Second one• accountant prepares a document in the “Bank –Client” module, signs it by the first signature, and sends to the bank

• director, being in another part of the world, accesses the server and signs the document by the second signature and the

bank performs the document

• Approval option

– option of confirming all or certain payment documents prepared by your accountant having only one EDS

– only in the “Bank – Client” module

– adjustment of the approval option can be performed as on one PC so on several PCs with the access to the

unified database

– approval can be adjusted only for certain documents as well (e.g. only for payment orders) and establish a

filter by the sum, for instance

– approvals will work only for the documents amounting over 10 000 KZT

Where the agreement on distance banking Where the agreement on distance banking can be signedcan be signed

Regional office Address: Phones:Astana regional Astana, micro district Molodezhniy, 31/1 (8-7172) 59-11-66 ext. 2103

Aktobe Aktobe, 12 microdist-t,16б (8-7132) 94-24-60, 94-24-59

Atyrau Atyrau, Satpayev avn., 4     (8-7122) 58-67-62, 58-65-68, ext. 2566, 2523, 2528

Eastern Kazakhstan Ust - Kamenogorsk, Ushanov str., 64 (8-7232) 24-55-12, 26-41-30,

Zhambyl Taraz, Zhambyl str.,145 (8-7262) 59-59-59, 59-59-60,

Zhezkazgan Zhezkazgan, Seifullin str., 31 а  (8-7102) 76-46-70, 76-72-82, 76-47-41

Western Kazakhstan Uralsk, Dostyk – Druzhby aven., 194/1 (8-7112) 59-39-60, 59-39-61

Karagandy Karaganda, Teatralnaya str.,  56 (8-7212) 58-92-20

Kyzylorda Kyzylorda, Kazybek bi str., 5 (8-7242) 26-23-92, 26-26-94, 26-20-74.

Akmola Kokshetau, Gorkiy str., 33 (8-7162) 59-54-61, 59-54-82, 59-54-85

Kostanai Kostanai, al – Farabi aven., 42 (8-7142) 54-36-18 ext. 3114, 3126, 54-16-77 ext. 3151

Mangistau Aktau, 9 microdistrict, 6 (8-7292) 42-98-14, 42-98-15, 42-98-13

Pavlodar Pavlodar, Ak Chokina str., 36/1 (8-7182) 32-31-61

Northern Kazakhstan Petropavlovsk, Kazakhstan Constitution str., bld 36 (8-7152) 59-57-08 ext. 3349, 59-57-11 ext.3372

Semei Semei, Naimanbayeva str., 108 (8-7222) 56-08-15, 56-29-12, 56-11-57

Southern Kazakhstan Shymkent, Beibitshilik aven., 2 «Б» (8-7257) 53-74-65 ext. 3749

Baikonur Baikonyr,  Gorkiy aven., 16. (8-33622) 40-032

Taldykorgan Taldykorgan, Kabanbai batyr str., 38, (8-7282) 21-09-55, 24-14-22, 24-38-79

Ekibastuz Ekibastuz, Stroitelnaya str., 49 А (8-71835)  54-843 ext. 2076

Zhanaozen Zhanaozen, microdistrict Samal, bldg. 9 (8-72934) 34-270, 35118

Temirtau Temirtau, Republic aven.,17а (8-7213) 93-37-63

Almaty ОПЕРУ№1 Almaty, Dostyk aven., 39, (8-727) 259-03-62, 259-03-52, 259-04-06, 259-04-46

Almaty ОПЕРУ№2 Almaty, Rozybakiyev str.,101 (8-727) 259-78-98, 259-72-57, 259-72-84, 259-04-88

Almaty ОПЕРУ№3 Almaty, Al Farabi aven., 5 corner. Zheltoksan str., 2 (8-727) 259-77-18

Where to address in case of questionsWhere to address in case of questions

• Three following main phones can be found in the system interface and in the agreement

– your manager– your operator– your engineer– From 9 till 18:00 during the weekdays they are always available to help you

• During night-time and weekends at your service is the Contact Center– +7 (727) 259-07-77 (for Almaty)– 8-8000-8000-59 (call within Kazakhstan is FREE OF CHARGE)

• Up-to-date information on the sites of the bank in «Internet banking for corporate clients» section, where you can always familiarize yourself with the most recent information about the system:

– http://www.halykbank.kz/business/internetbanking– http://www.halyk24.kz/remote/internet_bank_corporate