USER GUIDE. Central Cooperative Bank Plc CCB Online

Transcription

1 USER GUIDE Central Cooperative Bank Plc CCB Online

2 Table of Contents General description of CCB Online Registration for CCB Online First log into CCB Online Important information concerning the use of the service CCB Online by legal entities Management of accounts, creation of specimen, management and right of users Templates Transfer correspondents Transfer correspondents via SWIFT Client accounts Credit transfer/payment order Payment order/ Deposit slip to the budget Payment order/ Deposit slip to the budget (multi-row) Payment from a budget account Negotiating an exchange rate Wire transfer for other banks and foreign countries Transfers BISERA 7 - EURO Wire transfers to accounts with the Bank FX purchase and sale Payment order for a direct debit Register Uploading files and mass payments Utility bills Mass confirmation of documents Searching and sorting data in the system Printing a document from the system Documents menu Reports menu Cards menu Password change Change of GSM number for confirmation of operations Central Cooperative Bank Plc CCB Online

3 General description of CCB Online Via CCB Online you can: open current accounts in BGN and foreign exchange; open deposit accounts in BGN and foreign exchange; performance of BGN and wire transfers in the country and abroad; perform urgent interbank BGN transfers via RINGS; initiate a request for immediate collection; effect FX purchase and sale; obtain reports and statements from all accounts, opened with CCB PLC; dispose with information about the FX rates. Who may use CCB Online: - individuals and legal entities, having a qualified electronic signature - upon the submission of the request for registration you do not have to have an account, opened with the Bank. *With regard to changes in the Law on the Electronic Document and the Electronic Signature /LEDES/, in force from , we inform you that CCB Plc accepts only a qualified electronic signature /QES/, which contains all the necessary components, individualizing the author and titleholder of the signature /such as ID No, UIC, BULSTAT, etc./. Guarantee for Security. The security of your transactions on the Internet is fully guaranteed. CCB PLC uses 128-bit encrypted sessions in communicating between your browser and the server of CCB Online, which have the highest level of security. The identification of the users in the system is made with a user name, a password and a qualified electronic signature. CCB Online allows the registration of all electronic signatures, issued in Bulgaria. Additional protection with SMS authorization upon the performance of a transfer to a new counterparty Register for CCB Online. Central Cooperative Bank Plc CCB Online

4 Registration for CCB Online The registration for CCB Online is made on the web site of Central Cooperative Bank Plc at the following address: Click on the banner -, after that on the Registration button and Click here to make your registration for CCB Online You have to select the type of registration you will submit - legal entity or individual, and select Registration via the use of a qualified electronic signature. After the button Registration of a certificate, it is necessary to select the electronic signature, with which you will register. After that you enter the PIN of the electronic signature. Upon pressing the button Registration of the data, the system will automatically load from it all the data, necessary for the registration. It is necessary to complete the user name and password, chosen by you. Central Cooperative Bank Plc CCB Online

5 Upon the submission of the application for registration it is necessary to enter a valid Bulgarian mobile phone. This number will be used for receiving one time passwords /One time password/, when you perform transfers to new counterparties. The field is not obligatory for completion, but upon the lack of a GSM number, the user will not be able to perform active operations in the system. Important: Not specifying a GSM number in the initial registration, automatically defines the newly created user as passive, i.e without rights to generate payment orders. In order to be able to operate with the system, your application shall be confirmed at a branch or office of the Bank. For this purpose it is necessary to complete An application for registration for the performance of bank operations on the Internet. The legal entities shall submit the application at the branch, where they are serviced. Central Cooperative Bank Plc CCB Online

6 First log into CCB Online In order to use the service Internet banking, after your registration is confirmed at an office of the bank, it is necessary to register your electronic signature for working with CCB Online. For this purpose go to choose Log into CCB Online and follow the steps below: - Management of certificates - User and password - Registration of a qualified electronic signature for working with CCB Online (it is necessary that the smart card and reader be installed ) - Registration of a certificate - There appears a screen with your certificates. It is necessary to choose the certificate of the issuer of the electronic signature (for example Info notary) - There follows the entry of the PIN - There appears a screen with information about the certificate - Press the Registration button In keeping with the condition the data of the user in the Internet banking to be equal with the data of the client, registered for qualified electronic signature, the following message from the system will appear Your certificate has been registered successfully. Otherwise, the system will return the error Invalid data. Central Cooperative Bank Plc CCB Online

7 Important information concerning the use of the service CCB Online by legal entities Upon the registration of a legal entity, the system gives rights of an Administrator to the person that submitted the application. For this reason upon Log into the system with the username and password of the administrator, you see only the Register menu and FX rates. In order to be able to perform payment orders, follow the movements and account balances, it is necessary to create a new user with status, other than administrator. Depending on the rights, you would like to give to a person, you have several alternatives: Beneficiary is entitled to prepare and sign payment documents and to follow the movements and account balances. Accountant is entitled to prepare payment documents and follow the movements and account balances, but is not entitled to sign payment orders in the system. Operator is entitled to prepare payment documents, without signing them and is not entitled to follow the movements and account balances. Administrator is entitled to create new users to the respective registration, to confirm the password of the users, created by him /her, to create and manage the limits and rights to sign payment documents at CCB Online. In order to use the option for the entry of transfers to new counterparties, the Administrator must have entered a GSM number to each of the users, created by him (Operator, Accountant, Account beneficiary). How is a new user added? Enter with a user name and password of a system administrator. You go to menu Register, Register of users and Entry of a new entry. Central Cooperative Bank Plc CCB Online

8 A window opens, in which you enter the information about the new user: You complete the names and ID No of the user that works with the system. The information about the person shall correspond with the information, specified in the electronic signature of the person. The field Address for correspondence is completed via selecting the green arrow at the end of the row, where the address is the same as the company address. In case the address is different, is selected and the new address for correspondence is added. You complete the username for access to the system, which must be different from that of the Administrator. The username shall be written in Latin. The field Type of user is completed upon pressing the green arrow at the end of the row: Via you specify the type of user, selected by you. Central Cooperative Bank Plc CCB Online

9 After all fields are completed, press the Preview button and then ОК. Upon selecting ОК, the following screen will appear: In order to make it possible for the new user to enter payment orders in the system it is necessary to enter a valid Bulgarian GSM number, at which the user receives one time passwords for confirmation of payment orders. The entry is effected via selecting the here button. The number is entered, whereas 359 is specified, followed by the code of the operator and the subscriber s number. For example. Mobile number is entered as follows: Upon selecting the preview button the following screen appears: Central Cooperative Bank Plc CCB Online

10 At the registered GSM number of the administrator you will receive SMS code, which shall be entered in the field. After selecting the ОК button, the newly created user will have a valid GSM number for confirmation of operations. In Register of users a second entry appears with the newly created user. Another step you have to make is to create a password for the new user, which is made in the following way: Enter the web site of the bank and at the homepage of CCB Online /where username and password are entered/, you choose New password Enter the username of the new user, after which you complete the field for password and confirm the new password for access. The newly created password shall be confirmed by the company administrator. After log into the system with a username and password, the administrator goes to Register, Register of users, goes to the entry with the names of the new user, enters Detailed overview of the entry, after that selects the button Conformation of a new password. Third step: the new user can enter the system only if he/she registers the electronic signature. For this purpose he/she goes to selects Log into CCB Online and follows the steps below: Central Cooperative Bank Plc CCB Online

11 - Management of certificates - User and password enter the user name and password of the new user - Registration of a qualified electronic signature for working with CCB Online (it is necessary that the smart card and reader be installed ) - Registration of a certificate - There appears a screen with your certificates. It is necessary to choose the certificate of the issuer of the electronic signature (for example Info notary) - Then follows the entry of the PIN - There appears a screen with information about the certificate - Press the Registration button - In keeping with the condition the data of the user in the Internet banking to be equal with the data of the client, registered for qualified electronic signature, a message from the system will appear Your certificate has been registered successfully. Otherwise, the system will return the error Invalid data. After the performance of these steps, the newly created user may use the service CCB Online, entering directly via Log into with his/her user name and password. Central Cooperative Bank Plc CCB Online

12 Management of accounts, creation of specimen, management and right of users (valid only for legal entities) Virtual specimen- Upon more than one user, operating with the accounts, you have the possibility to create a virtual specimen, with which to define its work rights. The creation of account specimen concerns legal entities that want their transfers via CCB Online to be processed always, signed by two or more titleholders, in combination with the signatures always jointly. The specimens are created by the Administrator for the given legal entity and concern only the users with status Titleholder (because only they are entitled to sign payment documents). In order to create specimens for a given account, the user with Administrator rights enters the system, goes to the Register menu and selects Management of accounts, Specimen button and selects Addition of a specimen, whereas after completing the data, he/she should select that the specimen is active. For a certain account you may create more than one specimen with the respective combinations of users, entitled to dispose with the account. Another function of the Administrator is the creation of specimen up to a certain amount in CCB Online. In this case after ordering a transfer, it should be subsequently confirmed by another user /s. Managing the rights of users for working in the system It is possible that he limits the access of a given user only to the performance of a certain type of payment orders. In order to use this capability of the system, you should log into the service with the user name and password of the Administrator, select Register and User rights. Here you make the changes, as per your wishes or leave them in their initial form each user has access to all menus in the system. Central Cooperative Bank Plc CCB Online

13 Limiting the access of a user to a certain account: It is possible any account, registered for Internet Banking to be seen in CCB online only by a certain user, entitled to operate with this account. Follow these steps: from menu Register - Management of accounts for the selected account press from column Users and a list of users appears, as illustrated in the picture. There you can see whether the user is active /sees the account / or not. Via selecting the button you may edit the access of a certain user to a specific account. Via this functionality you may ensure an access of the user to a statement and an account balance or only a statement. Upon selecting only balance, the user does not have access to the payment orders entered by other users from a specific account, but you can make an inquiry via the menu Inquiries - > Account balances IMPORTANT!!! Upon creating a new user he/she automatically receives access to all accounts, added to the registration of the client! Central Cooperative Bank Plc CCB Online

14 IMPORTANT For your additional security, we have introduced one time confirmation via a code, sent via SMS at the number, specified by you. The one time code is used only upon the initial ordering to a certain IBAN and will not be necessary for IBAN of beneficiaries, to which you have already made transfers. The registration of a mobile phone is made upon your initial registration or at an office of the Bank. Templates The creation of transfers templates is intended to facilitate the work of clients upon periodic payments to a given counterparty. In order to start the use of this possibility of CCB online, first you should have a transfer, effected to the given counterparty. After that you go to menu Transfers, Templates, Creation of Templates and select the respective type of transfer, via the button create it as a template. you In case you want to terminate the use of a given template, you may deactivate it via the menu Transfers, Templates, select the respective type of transfer, press the button Editing of entry and untick the field Active. Transfer correspondents Here you can create as entries your counterparties, in whose favor you make the payments. This will facilitate your work with the system, because upon ordering a transfer you will be able to select a counterparty, without the necessity to enter again information about it. The addition of entry is made via Entry of a new entry In the form you complete: Identification of the correspondent, Correspondent s bank, BIC of the bank, IBAN of the transfer beneficiary, Description you may complete the field as per your choice. This will help you to select a given counterparty more easily. In the last field Active select Yes. In case you do not want to use a correspondent any more, you can deactivate it in menu Register, Transfer correspondents, Editing of entry. In the last field Active select No. For legal entities: A change in the object is made by the user that created the entry for the counterparty. Transfer correspondents via SWIFT Here you may create as entries your counterparties, to which you will order wire transfers for the country and abroad. Client accounts From the menu Accounts Client accounts, you have the option to see all accounts, added to your registration for Internet banking. From this menu you can make the following operations: Central Cooperative Bank Plc CCB Online

15 - To add a description /nickname / to a given account, which facilitates you in the selection of an account. This is realized via selecting the button and entry of text in the description field. - To deactivate an account for active Internet banking i.е. transfers cannot be performed from the account via CCB online. This is realized via selecting the account in the check box and selecting the button For information only In case you want an account again to be activated for transactions via CCB Online, it is necessary to visit an office of the Bank. Credit transfer/payment order Transfers in BGN Credit transfer / Payment order from this menu transfers are made between accounts with CCB, as well as transfers to other banks. Select the button Entry of a new payment order 1. Template if you have a template created beforehand you select it from this field. More information concerning the creation of templates you may find in the Templates section. 2. IBAN of the Ordering customer in this field you specify the account, from which the payment will be made. For Account Ordering customer only a BGN account may be selected. If you do not see any specified accounts upon pressing the drop-down button: this means that there are no active BGN accounts, added to your registration. Central Cooperative Bank Plc CCB Online

16 3. For the amount of - here specify the transfer amount. 4. Remmitence infromation specify the transfer grounds. Letter-digit symbols, as well as dots are allowed. 5. Selection / addition of transfer beneficiary if you have already made a transfer to this counterparty, upon pressing the button, you will be able to select the respective entry and via. will be able to add him/her in the form of the payment order. If you effect a transfer to a new counterparty and intend to make such transfers to him again, press the button, in order to add him/her as a counterparty. Enter the data, select Preview and then ОК. 6. Identification of the beneficiary specify the name of the transfer beneficiary. 7. IBAN of the beneficiary specify the IBAN of the transfer beneficiary. 8. BIC of the beneficiary s bank specify the BIC of the Bank. 9. Urgent payment if you change the field to Yes, the transfer will be sent via RINGS. Via RINGS amounts above BGN are transferred, even if you have not indicated that the payment is urgent. 10. Select status of the payment order - if you want the transfer to be processed, you have to specify Sent status. Central Cooperative Bank Plc CCB Online

17 11.Date of performance specify the date, on which the transfer is performed. If you specify a future date, till this date the transfer will have status Under processing. 12. The transfer concerns salary specify whether the transfer concerns salary. 13. Declaration under Art. 7, para. 8 of the Social Security Code if you have indicated that the transfer concerns salary, have to complete a declaration for paid social security payments. Choose the button to complete the respective declaration with. After the entry of the necessary information in the fields, select the Preview button, if everything is completed correctly, it is necessary to confirm with your password and the document will load in the payment form. More information how to fill a declaration and crate a template you can find in menu Documents - Declaration under Art.7, para. 8 of the Social Security Code 14. Declaration of the origin of funds if the transfer amount exceeds BGN , it is necessary to complete a declaration of the origin of funds. Choose the button to complete the respective declaration with. After the entry of the necessary information in the fields, select the Preview button, if everything is completed correctly, it is necessary to confirm with your password and the document will load in the payment form. More information how to fill a declaration and crate a template you can find in menu Documents - Declaration origin of the funds After you complete all the components of the payment order, press the Preview button. Central Cooperative Bank Plc CCB Online

18 In case there is an error in any of the fields, a message will appear with the specific error. If everything is completed correctly, a screen will appear for the entry of your password. After entry of the password select ОК. Central Cooperative Bank Plc CCB Online

19 Payment order/ Deposit slip to the budget The payments to the budgetary accounts are made via the menu Transfers, Transfers in BGN, Payment order/ Deposit slip to the budget. Select the button Entry of a new entry. 1. Template if you have a template created beforehand you select it from this field. More information concerning the creation of templates you may find in the Templates section. 2. IBAN of the Ordering customer in this field you specify the account, from which the payment will be made. For Account Ordering customer only a BGN account may be selected. If you do not see any specified accounts upon pressing the drop-down button: this means that there are no active BGN accounts, added to your registration. 3. To the amount of - here specify the transfer amount. 4. Remmitence infromation specify the transfer grounds. Letter-digit symbols, as well as dots are allowed. Central Cooperative Bank Plc CCB Online

20 5. Selection / addition of transfer beneficiary if you have already made a transfer to this counterparty, upon pressing the button, you will be able to select the respective entry and via will be able to add him/her in the form of the payment order. If you effect a transfer to a new counterparty and intend to make such transfers to him again, press the button, in order to add him/her as a counterparty. Enter the data, select Preview and then ОК. 6. Identification of the beneficiary specify the name of the transfer beneficiary. 7. IBAN of the beneficiary specify the IBAN of the transfer beneficiary. 8. BIC of the beneficiary s bank specify the BIC code of the bank. 9. Type of payment you have to specify the specific type of payment for the account. 10.Type of the document, on which the payment is made: the possible options for completion are: - declaration revision act punitive decree advance installment tax batch number of the estate decree for enforced collection other- 9 number of the document, on which the payment is made Central Cooperative Bank Plc CCB Online

21 11. Date of the document, on which the payment is made - complete only in the cases, when there is a document, based on which the payment is made (For example: the date of the revision act). 12. Date for a period beginning 13. Date for a period end In the fields Date for a period beginning and Date for a period end complete the date, month and year of the respective period. 14. Liable person complete the data of the liable person. 15. Bulstat of the liable person complete, the liable person is a company. 16. Personal number of the liable person complete, the liable person is an individual. 17. Foreigner s number complete, when the liable person is a foreigner with a foreigner s number. 18. Urgent payment you choose whether the transfer will be effected via BISERA or RINGS. When you mark Urgent payment Yes, this means that your transfer will be effected via RINGS. 19. Select status of the payment order if you want the transfer to be processed, you have to specify Sent status. 20. Date of performance specify the date, on which the transfer will be performed. If you specify a future date, till its occurrence, the transfer will have Under processing status. 21. Declaration of the origin of funds if the transfer amount exceeds BGN , it is necessary to complete a declaration of the origin of funds. Choose the button to complete the respective declaration with. After the entry of the necessary information in the fields, select the Preview button, if everything is completed correctly, it is necessary to confirm with your password and the document will load in the payment form. More information how to fill a declaration and crate a template you can find in menu Documents - Declaration origin of the funds. After you complete all the components of the payment order, press the Preview button. In case there is an error in any of the fields, a message will appear with the specific error. If everything is completed correctly, a screen will appear for the entry of your password. Note: Transfers, directed to accounts of NRA GDO at CCB PLC, are performed as late as p.m Central Cooperative Bank Plc CCB Online

22 Payment order/ Deposit slip to the budget (multi-row) Central Cooperative Bank Plc CCB Online

23 The menu is used, when you order payments to revenues administrators /the National Revenue Agency, the Customs Agency, etc / and you have to pay from one to four different liabilities to the same account of the beneficiary. For a multi-row payment order the obligatory requirement is that the IBAN of the transfer beneficiary has 13 digit Template if you have a template created beforehand you select it from this field. More information concerning the creation of templates you may find in the Templates section. 2. IBAN of the Ordering customer in this field specify the account, from which the payment will be made. For Account Ordering customer only a BGN account may be selected. If you do not see any specified accounts upon pressing the drop-down button: this means that there are no active BGN accounts, added to your registration. 3. Type of payment to the payer account completed only for accounts of budget spending units. 4. Selection / addition of transfer beneficiary if you have already made a transfer to this counterparty, upon pressing the button, you will be able to select the respective entry and via. will be able to add him/her in the form of the payment order. If you effect a transfer to a new counterparty and intend to make such transfers to him again, press the button, in order to add him/her as a counterparty. Central Cooperative Bank Plc CCB Online

24 Enter the data, select Preview and then ОК. 5. Identification of the beneficiary specify the name of the transfer beneficiary. 6. IBAN of the beneficiary specify the IBAN of the transfer beneficiary. 7. BIC of the beneficiary s bank specify the BIC of the bank. 8. To the amount of - here specify the transfer amount. 9. Remmitence infromation specify the transfer grounds. Letter-digit symbols, as well as dots are allowed. 10. Type of payment you have to specify the particular type of payment, in view of what you pay (completed for accounts of revenues administrators) 11. Type of the document, on which the payment is made: the possible options for completion are: - declaration revision act punitive decree advance installment tax batch number of the estate decree for enforced collection other- 9 number of the document, on which the payment is made 12. Date of the document, on which the payment is made completed only in the cases, when there is a document, based on which the payment is made (For example: the date of the revision act). 13. Date for a period beginning 14. Date for a period end In the fields Date for a period beginning and Date for a period end the date, month and year of the respective period are completed. 15. Liable person complete the data of the liable person. 16. Bulstat of the liable person complete, the liable person is a company. 17. Personal number of the liable person complete, the liable person is an individual. 18. Foreigner s number complete, when the liable person is a foreigner with a foreigner s number. Central Cooperative Bank Plc CCB Online

25 19. Urgent payment you choose whether the transfer will be effected via BISERA or RINGS. When you mark Urgent payment Yes, this means that your transfer will be effected via RINGS. 20. Select the status of the payment order if you want the transfer to be processed, you have to specify Sent status. 21. Date of performance specify the date, on which the transfer is performed. If you specify a future date, till this date the transfer will have status Under processing. 22. Declaration of the origin of funds if the transfer amount exceeds BGN , you have to complete a declaration of the origin of funds. Choose the button to complete the respective declaration with. After the entry of the necessary information in the fields, select the Preview button, if everything is completed correctly, it is necessary to confirm with your password and the document will load in the payment form. More information how to fill a declaration and crate a template you can find in menu Documents - Declaration origin of the funds. After you complete all the components of the payment order, press the Preview button. In case there is an error in any of the fields, a message will appear with the specific error. If everything is completed correctly, a screen will appear for the entry of your password Central Cooperative Bank Plc CCB Online

26 Payment from a budget account The Payment from a budget account menu is used by budget spending units. Select Entry of a new entry. 1. Template if you have the template, created beforehand you select it from this field. More information concerning the creation of templates you may find in the Templates section. Note: If you use the field Template, before selecting it, you have to specify whether the transfer concerns salary 2. Client account payer in this field you specify the account, from which the payment will be made. For Account Ordering customer only a BGN account may be selected. If you do not see any specified accounts upon pressing the drop-down button: Central Cooperative Bank Plc CCB Online

27 this means that there are no active BGN accounts, added to your registration. 3. Type of payment the type of payment, if any, is completed. 4. To the amount of here specify the transfer amount. 5. Remmitence infromation specify the transfer grounds. Letter digit symbols, as well as dots are allowed. 6. Selection / addition of transfer beneficiary if you have already made a transfer to this counterparty, upon pressing the button, you will be able to select the respective entry and via. will be able to add him/her in the form of the payment order. If you effect a transfer to a new counterparty and intend to make such transfers to him again, press the button, in order to add him/her as a counterparty. Enter the data, select Preview and then OK. 7. Identification of the beneficiary specify the name of the transfer beneficiary. 8. IBAN of the beneficiary specify the IBAN of the transfer beneficiary. 9. BIC of the beneficiary bank specify BIC code of the bank. 10. Type of payment - you have to specify the particular type of payment, in line with what you pay (completed for accounts of revenues administrators) 11. Type of the document, on which the payment is made: the possible options for completion are: - declaration - 1 Central Cooperative Bank Plc CCB Online

28 - revision act punitive decree advance installment tax batch number of the estate decree for enforced collection other- 9 number of the document, on which the payment is made 12. Date of the document, on which the payment is made - completed only in the cases, when there is a document, based on which the payment is made (For example: date of the revision act). 13. Date for a period beginning 14. Date for a period end In the fields Date for a period beginning and Date for a period end the date, month and year of the respective period are completed. 15. Liable person complete the data of the liable person. 16. Bulstat of the Liable person complete, the liable person is a company. 17. Personal number of the liable person complete, the liable person is an individual. 18. Foreigner s number complete, when the liable person is a foreigner with a foreigner s number. 19. Urgent payment you choose whether the transfer will be effected via BISERA or RINGS. When you mark Urgent payment Yes, this means that your transfer will be effected via RINGS. 20. Select status of the payment order - if you want the transfer to be processed, you have to select Sent status. 21. Date of performance specify the date, on which the transfer will be performed. If you specify a future date, till its occurrence, the transfer will have Under processing status. 22. The declaration under Art. 7, para. 8 of the Social Security Code if the transfer concerns salary, it is necessary to complete the respective declaration. Central Cooperative Bank Plc CCB Online

29 Choose the button to complete the respective declaration with. After the entry of the necessary information in the fields, select the Preview button, if everything is completed correctly, it is necessary to confirm with your password and the document will load in the payment form. More information how to fill a declaration and crate a template you can find in menu Documents - Declaration under Art.7, para. 8 of the Social Security Code 23. Declaration of the origin of funds if the transfer amount exceeds BGN , it is necessary to complete a declaration of the origin of funds. Choose the button to complete the respective declaration with. After the entry of the necessary information in the fields, select the Preview button, if everything is completed correctly, it is necessary to confirm with your password and the document will load in the payment form. More information how to fill a declaration and crate a template you can find in menu Documents - Declaration origin of the funds After you complete all the components of the order, press the Preview button. In case there is an error in any of the fields, an error message will appear. If everything is completed correctly, a screen will appear for entry of your password. After entry of the password select OK. Central Cooperative Bank Plc CCB Online

30 Negotiating an exchange rate If you want to obtain a preferential rate for FX purchase or sale upon BGN equivalent above BGN , you have to make an entry in Negotiating an exchange rate or in Negotiating an exchange rate upon FX sale. Negotiating an exchange rate Example: you wish to buy EUR against Bulgarian leva. 1. Transfer amount complete the amount, you want to buy / transfer. 2. In Transfer currency select the currency. 3. From account select the account, from which the transfer will be made. Negotiating an exchange rate upon FX sale Example: you wish to sell BGN in exchange for euro. 1. I want to sell the amount enter the amount you want to sell. 2. From account - select the account, from which you will make the transfer. 3. In exchange for select the currency, you would like to buy. After the exchange rate is confirmed by the Bank, a negotiated exchange rate is formed, which is used upon inputting the respective transfer. Central Cooperative Bank Plc CCB Online

31 Wire transfer for other banks and foreign countries From this menu you can order wire transfers for the country and abroad. A transfer, intended for another bank on the territory of the country, but in a currency, other than BGN, is ordered from this template and is treated as a wire transfer. It is necessary that all fields be completed in Latin! 1. Template if you have a template created beforehand you select it from this field. More information concerning the creation of templates you may find in the Templates section. Central Cooperative Bank Plc CCB Online

32 2. Client account Ordering customer select the account, from which you would like the payment to be made. 3. Transfer currency select the currency of the transfer 4. Transfer amount - specify the transfer amount. 5. Ordering customer complete the names of the ordering customer. 6. Address of the sender 7. To which country the transfer is from the dropdown menu specify the country, to which you order the transfer. 8. Selection / addition of transfer beneficiary if you have already made a transfer to this counterparty, upon pressing the button, you will be able to select the respective entry and via will be able to add him/her in the form of the payment order. If you effect a transfer to a new counterparty and intend to make such transfers to him again, press the button, in order to add him as a counterparty. 9. Beneficiary s bank specify the name of the beneficiary s bank. 10. SWIFT code of the beneficiary bank. 11. Bank code of the bank in USA ABA Routing Number when the transfer is to USA, the routing number of the beneficiary bank is entered in the field. 12. Exact address beneficiary bank complete the address of the beneficiary bank. 13. Account of the beneficiary enter the account of the beneficiary. 14. Beneficiary complete the name of the beneficiary. 15. Address of the beneficiary specify the address of the beneficiary. 16. Grounds specify the transfer grounds. 17. Negotiated exchange rate if in the transfer the transfer currency is different from the currency of the account ordering customer and the transfer amount has a BGN equivalent above BGN , you may use a preferential exchange rate. This is made via submitting an application for negotiating an exchange rate. More information you may find in the Negotiating an exchange rate menu. After negotiating the exchange rate, you have to enter it in the menu. Central Cooperative Bank Plc CCB Online

33 If there is no such exchange rate, the transfer is accounted for at the rate for the day of the bank, and the field remains uncompleted. 18. Value date of the transfer enter the Value date of the transfer. Note: Transfers with value date Till the end of the work day you may effect till 13:00 p.m. of the current day. 19. Your charges are at the expense of specify who bears the charges at your expense or at the expense of the beneficiary. 20. The charges of the foreign banks are at the expense of: The expenses are at the expense of the payer, i.e. you, then your counterparty receives the whole amount, ordered by you, and the charges of his bank are deducted from your account. - BEN (The charges are at the expense of the beneficiary)- in this case the commissions are collected from the account of the beneficiary, whereas in this way the received amount is decreased. -SHA (Shared charges) in this case the ordering customer of the transfer pays the expenses of his bank, and the expenses of the other bank are paid by the beneficiary. 21. I would like SWIFT if you do not want SWIFT for the transfer, you may uncheck the field. A wire transfer is determined as SEPA transfer under the following conditions: Transfer currency = EUR (euro) The transfer value date = date of performance or 1 work day after the date of performance Transfer charges = SHA (shared) BIC of the beneficiary bank member country of EEA (European Economic Area) 22. Sender to Receiver information additional data about the transfer, such as desired intermediary bank. 23. Declaration according to BNB the declaration must be completed, when the amount of the currency transfer is above the equivalent of BGN For currency transfers at BGN equivalent above BGN it is necessary to present at the bank the transfer grounds (For example: the invoices, according to which the payment is made). Choose the button to complete the respective declaration with. After the entry of the necessary information in the fields, select the Preview button, if everything is completed correctly, it is necessary to confirm with your password and the document will load in the payment form. Central Cooperative Bank Plc CCB Online

34 More information how to fill a declaration and crate a template you can find in menu Documents - Declaration for BNB. 24. Declaration of the origin of funds if the transfer amount exceeds BGN , it is necessary to complete a declaration of the origin of funds. Choose the button to complete the respective declaration with. After the entry of the necessary information in the fields, select the Preview button, if everything is completed correctly, it is necessary to confirm with your password and the document will load in the payment form. More information how to fill a declaration and crate a template you can find in menu Documents - Declaration origin of the funds. 25. Declaration for a transfer to a third party- you complete the declaration upon the performance of a wire transfer or payment to a third party to the amount of BGN or more or its equivalent amount in another currency. Third party means countries that are not members of the EEA /European Economic Area / plus Norway, Switzerland, Iceland and Lichtenstein. After selecting the following form will appear: 26.. Select status of the payment order - if you want the transfer to be processed, select Sent status. 27. Date of performance specify the date, on which the transfer will be performed. If you specify a future date till its occurrence, the transfer will have Under processing status. After you complete all the components of the payment order, press the Preview button. In case there is an error in any of the fields, a message will appear with the specific error. If everything is completed correctly, a screen will appear for the entry of your password. Central Cooperative Bank Plc CCB Online

35 Transfers BISERA 7 - EURO BISERA 7 is a single platform for servicing client transfers in EUR in Bulgaria and crossborder transfer from / to banks and bank branches, doing business in EEA /the European Economic Area /. For local transfers the transfer amount is below EUR , and for the cross-border transfers there is no limitation concerning the amount. The banks in Bulgaria, from / to which transfers are received or ordered via BISERA 7- EUR, are those, which have been certified and accepted as participants in BISERA 7- EUR. For amounts, equal or exceeding EUR and to banks, which are not participants in BISERA 7, you must use the object Currency transfers for other banks and transfers abroad. Bicera 7 credit transfer is a transfer in ЕUR to a bank in EEA, when it is ordered with charging option SHA. Via the object Transfers in EUR BISERA 7 in CCB Online payment orders are performed in EUR with charging option /SHA/ till p.m. with today value date and after p.m. with future value date. Central Cooperative Bank Plc CCB Online

36 1. Client account orderer select the account, from which you would like to make the payment. 2. Transfer amount specify the transfer amount. 3. Type ID of the orderer - select from the dropdown menu one of the possibilities. 4. Country of the orderer select from the dropdown menu the specific country. 5. Residence of the orderer - specify the residence. 6. Select / add transfer beneficiary if you have already made a transfer to this counterparty, upon selecting, you will be able to select the respective entry and via to add it in the payment order form. If you make a transfer to a new counterparty and intend to make such transfers to it again, select, in order to add it as a counterparty. 7. IBAN beneficiary s account enter the beneficiary s account. 8. BIC of the beneficiary bank specify the BIC of the beneficiary bank. 9. Name of the beneficiary of the amount specify the three names of the beneficiary. 10. Type ID of the beneficiary select from the drop down menu one of the possibilities. 11. ID of the beneficiary write the identification number. 12. Place of residence of the beneficiary specify the place of residence of the beneficiary. 13. Country of the beneficiary specify the country of the beneficiary. 14. Remittance information - specify the remittance information. 15. Sender to Receiver information you complete it only in the cases, when it is necessary to add information about the transfer. 16. Person, on whose behalf the payment is made -specify the name of the person. 17. Type ID of the payer- specify from the dropdown menu one of the possibilities. 18. ID of the payer - specify the identification number 19. Name of the person, to whom the payment is made - specify the name of the person. 20. Type ID of the person, to whom the payment is made - specify from the dropdown menu one of the possibilities. 21. ID of the person, to whom the payment is made - specify the identification number 22. Number of primary document 23. Negotiated exchange rate if upon transferring, the transfer currency is different from the currency of the account ordering institution and the transfer amount has a BGN equivalent above BGN , you may enjoy a preferential rate. This is made via submitting an application for negotiating an exchange rate. For more information, please refer to the Negotiating an exchange rate menu. After negotiating the exchange rate, you should select it from the drop down menu. 24. Specify the transfer status if you want the transfer to be processed, select Sent status. 25. Declaration for BNB The declaration is completed in the following cases: - always, when the amount of the currency transfer is above the equivalent amount of BGN and the transfer is outside the territory of the Republic of Bulgaria; - always, when the amount of the currency transfer is above the equivalent amount of BGN and the transfer is on the territory of the Republic of Bulgaria between a local and a foreign person Central Cooperative Bank Plc CCB Online

37 Choose the button to complete the respective declaration with. After the entry of the necessary information in the fields, select the Preview button, if everything is completed correctly, it is necessary to confirm with your password and the document will load in the payment form. More information how to fill a declaration and crate a template you can find in menu Documents - Declaration for BNB 26. The transfer concerns salary select Yes or No from the dropdown menu. The declaration under Art.7, para.8 of SSC (the Social Security Code) the transfer concerns salary, it is necessary to complete the respective declaration. Choose the button to complete the respective declaration with. After the entry of the necessary information in the fields, select the Preview button, if everything is completed correctly, it is necessary to confirm with your password and the document will load in the payment form. More information how to fill a declaration and crate a template you can find in menu Documents - Declaration under Art.7, para. 8 of the Social Security Code 27. Declaration origin of the funds if the transfer amount exceeds BGN , it is necessary to complete a declaration of the origin of funds. Choose the button to complete the respective declaration with. After the entry of the necessary information in the fields, select the Preview button, if everything is completed correctly, it is necessary to confirm with your password and the document will load in the payment form. More information how to fill a declaration and crate a template you can find in menu Documents - Declaration origin of the funds. 28. Date of accepting the transfer here the current date of performance is loaded, if you want to specify a future date, you should change the existing date with your desired date. 29.Value date the transfer value date may not be more than 1 work day after the date of accepting the transfer. After you complete all the components of the payment order, press the Preview button. In case there is an error in any of the fields, a message will appear with the specific error. If everything is completed correctly, a screen will appear for the entry of your password. Central Cooperative Bank Plc CCB Online

38 Wire transfers to accounts with the bank The menu is intended for transferring funds between accounts in various currencies within the bank. The account from which you order the transfer or the account of the beneficiary may be in BGN. Here you can make transfers between your accounts, as well as to make transfers to your counterparties. A necessary condition is that the transfer currency corresponds to the currency of the beneficiary s account. 1. Template if you have a template created beforehand you select it from this field. More information concerning the creation of templates you may find in the Templates section. 2. I want to transfer the amount enter the transfer amount. 3. From account specify the payer account 4. Transfer beneficiary - if you have already made a transfer to this counterparty, upon pressing the button, you may select the respective entry and via will be able to add him/her in the form of the payment order.. Central Cooperative Bank Plc CCB Online

39 If you effect a transfer to a new counterparty and intend to send transfers to him/her again, press the button, in order to add him/her as a counterparty. 5. Identification of the beneficiary specify the name of the transfer beneficiary. 6. IBAN of the beneficiary specify the IBAN of the transfer beneficiary. 7. BIC of the beneficiary s bank specify the BIC code of the bank. 8. Remmitence infromation specify the transfer grounds. 9. Negotiated exchange rate if in the transfer the transfer currency is different from the currency of the account ordering customer and the transfer amount has a BGN equivalent above BGN , you may use a preferential exchange rate. This is made via submitting an application for negotiating an exchange rate. More information you may find in the Negotiating an exchange rate menu. After negotiating an exchange rate, you have to enter it in the menu. If there is no such exchange rate, the transfer is accounted for at the rate of the Bank for the day, and the field remains uncompleted. 10. Declaration of the origin of funds if the transfer amount exceeds BGN , it is necessary to complete a declaration of the origin of funds. Choose the button to complete the respective declaration with. After the entry of the Central Cooperative Bank Plc CCB Online

40 necessary information in the fields, select the Preview button, if everything is completed correctly, it is necessary to confirm with your password and the document will load in the payment form. More information how to fill a declaration and crate a template you can find in menu Documents - Declaration origin of the funds. 11. The transfer beneficiary is a foreigner specify whether the transfer beneficiary is a foreigner. 12. Declaration according to BNB the declaration must be completed, when the amount of the currency transfer is above the equivalent amount of BGN For currency transfers at BGN equivalent above BGN it is necessary to present at the bank the transfer grounds (For example: the invoices, according to which the payment is made). Choose the button to complete the respective declaration with. After the entry of the necessary information in the fields, select the Preview button, if everything is completed correctly, it is necessary to confirm with your password and the document will load in the payment form. More information how to fill a declaration and crate a template you can find in menu Documents - Declaration for BNB. 13. The transfer concerns salary specify whether the transfer concerns salary. 14. Declaration under Art. 7, para. 8 of the Social Security Code if the transfer concerns salary, it is necessary to complete the respective declaration. Choose the button to complete the respective declaration with. After the entry of the necessary information in the fields, select the Preview button, if everything is completed correctly, it is necessary to confirm with your password and the document will load in the payment form. More information how to fill a declaration and crate a template you can find in menu Documents - Declaration under Art.7, para. 8 of the Social Security Code 15. Select status of the payment order - if you want the transfer to be processed, select Sent status. 16. Date of performance specify the date, on which the transfer will be performed. If you specify a future date, till its occurrence, the transfer will have Under processing status. After you complete all the components of the payment order, press the Preview button. In case there is an error in any of the fields, a message will appear with the specific error. If everything is completed correctly, a screen will appear for the entry of your password. Central Cooperative Bank Plc CCB Online

41 FX purchase and sale The menu is intended for transferring funds between accounts in different currencies within the Bank, registered for CCB Online. The account, from which you order the transfer or the account of the beneficiary may be in BGN. You may effect FX purchase and sale on your accounts, regardless of whether they are at the same branch of the Bank or in different branches. 1. I would like to transfer the amount from- enter the transfer amount. 2. From account specify the payer account 3. In account select the account to be credited with the funds. 4. The transfer concerns salary specify whether the transfer concerns salary. 5. Declaration under Art. 7, para. 8 of the Social Security Code if the transfer concerns salary, then it is to complete the respective declaration. Choose the button to complete the respective declaration with. After the entry of the necessary information in the fields, select the Preview button, if everything is completed correctly, it is necessary to confirm with your password and the document will load in the payment form. More information how to fill a declaration and crate a template you can find in menu Documents - Declaration under Art.7, para. 8 of the Social Security Code 6. Declaration of the origin of funds if the transfer amount exceeds BGN , it is necessary to complete a declaration of the origin of funds. Choose the button to complete the respective declaration with. After the entry of the necessary information in the fields, select the Preview button, if everything is completed correctly, it is necessary to confirm with your password and the document will load in the payment form. Central Cooperative Bank Plc CCB Online

42 More information how to fill a declaration and crate a template you can find in menu Documents - Declaration origin of the funds 7. Select status of the payment order - if you want the transfer to be processed, choose Sent status. 8. Negotiated exchange rate if in the transfer the transfer currency is different from the currency of the account ordering customer and the transfer amount has a BGN equivalent above BGN , you may use a preferential exchange rate. This is made via submitting an application for negotiating an exchange rate. More information you may find in the Negotiating an exchange rate menu. After negotiating the exchange rate, you have to enter it in the menu. If there is no such rate, the transfer is processed at the rate of the bank for the day, and the field remains uncompleted. Central Cooperative Bank Plc CCB Online

43 Payment order for a direct debit From this object you send a request for a direct debit to the clients of Central Cooperative Bank Plc or to other banks. 1. Template if you have a template created beforehand you select it from this field. More information concerning the creation of templates you may find in the Templates section. 2. Account beneficiary specify the account to be credited. 3. To the amount of specify the amount. 4. Entry of the grounds (NSSI) you complete it in the cases, when you initiate a request for a direct debit to the National Social Security Institute. 5. Remmitence infromation specify the transfer grounds. Central Cooperative Bank Plc CCB Online

44 6. Payer if you have already performed an operation with this counterparty, upon pressing the button, you will be able to select the respective entry and via will be able to add him/her in the form of the payment order.. If you make this operation with a new counterparty and want to create him/her as an entry, press the button, in order to add him/her as a counterparty. 7. Identification of the payer specify the name of the payer. 8. IBAN of the payer specify the IBAN of the payer. 9. BIC of the payer s bank specify the BIC of the Bank. 10. Select status of the request for collection select status from the button. 11. Date of performance specify when to perform the request for a direct debit. 12. Declaration under Art. 7, para. 8 of the Social Security Code if the transfer concerns salary, it is necessary to complete the respective declaration. Choose the button to complete the respective declaration with. After the entry of the necessary information in the fields, select the Preview button, if everything is completed correctly, it is necessary to confirm with your password and the document will load in the payment form. More information how to fill a declaration and crate a template you can find in menu Documents - Declaration under Art.7, para. 8 of the Social Security Code After you complete all the components of the payment order, press the Preview button. In case there is an error in any of the fields, a message will appear with the specific error. If everything is completed correctly, a screen will appear for the entry of your password. Central Cooperative Bank Plc CCB Online

45 Register Processed documents The menu allows you to see all ordered and processed documents (payment orders, wire transfer for other banks and foreign countries, interbank wire transfers, whereas the date and time of the accounting are indicated), without the possibility for a change in the status of the respective document. Unprocessed documents The menu allows you to see all ordered, but unprocessed documents. It also gives the possibility to cancel all unprocessed documents, selecting them and pressing the Cancellation button. If you have received status of payment document SENT, and from the Bank the status is Unprocessed insufficient funds on the account, this means that you do not have sufficient funds on the account or you did not have, when you ordered the transfer. For the processing of a payment order, it is necessary to credit the account and to order the payment document a second time. A payment order with status Unprocessed insufficient funds on the account, may be cancelled, via the Cancellation button, after which you confirm with your password Awaiting confirmation From the menu you see all ordered transfers with status Awaiting a confirmation by the client. The confirmation is made by selecting the respective payment orders and pressing Confirmation. Central Cooperative Bank Plc CCB Online

46 Uploading files and mass payments In order to work with the mass payment in CCB Оnline, it is necessary to have a preliminary ready files with payment orders, written in CSV format. HERE you can download a sample file with a description of the fields and a specific example. After the successful log into the system from the main menu, you select: Transfers, Mass payments, Processing of a file, Entry of a new entry. Press the button, after that select Browse and choose a file for processing and with the Upload button load the files in the system. You select the Preview button and after that confirm the operation with a password and select OK. After the addition of a new entry, check the empty checkbox and select file processing. The system checks it for errors and if the file is correct, you confirm it. Central Cooperative Bank Plc CCB Online

47 Utility bills Via CCB Online, you may pay your utility bills. In the Utility bills menu, registration of utility bills register the subscription numbers, you would like to the paid via the Internet banking. The registration is made via pressing the button Entry of a new entry. Via, you select a trader from the list, which is presented to you, entering the subscription number for payment. The verification of pending bills is made via pressing the Verification of pending bills button. If you want to pay a specific bill, you have to tick it, select the account, from which to pay and after that to confirm. Central Cooperative Bank Plc CCB Online

48 If you do not have a pending liability, on the screen there appears the message No data. The bills paid successfully may be seen in Paid Utility bills. Here you can print a receipt of the paid bill, which is made via ticking the respective row and pressing Print. Mass confirmation of documents You may use mass confirmation of payment documents in the cases, when you have more than one waiting payment orders for signature. The operation is carried out in the following way: select against all payments you want to confirm. The following screen appears: From this screen you can see how many available entries you will sign. Enter the password and press on the Perform the operation button. Central Cooperative Bank Plc CCB Online

49 For legal entities: payment orders only by a user with the rights of a Beneficiary are mass confirmed. Searching and sorting data in the system The band for sorting and filtering data in the system is located immediately below the main menu. Field for quick filter: This type of filtering of data is used, when you want to search for only one field. After selecting such a filter, the following screen appears: Central Cooperative Bank Plc CCB Online

50 After selecting, the system brings you back to the initial menu, where you can see the field for entering data for searching in the field, chosen by you. You enjoy the following facilities upon searching: For searching the text fields, such as Grounds of the payment, Client account payer, Identification of the beneficiary, if you want to find all entries, containing certain symbols (digits or letters) you have to use *...* (asterisk). For example: If for field Grounds, you see all entries, containing the word crediting specify: *crediting*, if you want to find all entries, starting with certain symbols (digits or letters) you have to use...*. If you want to find all entries, ending in certain symbols (digits or letters) you have to use *... Central Cooperative Bank Plc CCB Online

51 For example: If for field Identification of the beneficiary, you seek all entries, ending in ЕАD, specify : *EAD For searching in the digit fields, such as To the amount of and Date of performance. If you want to search from a certain value to a certain value you have to use (two dots) For example: If for field To the amount of, you seek all entries for the amounts from BGN 100 to BGN 1000 specify : If you want to search for all entries, greater than a given value you have to use..... For example: If for field To the amount of, you seek all the entries with amounts greater than BGN 100 specify : If you want to search for all entries, less than a given value you have to use..... For example: If for field To the amount of, you seek all the entries with amounts greater than BGN 100 specify :..100 Field for deployed filter - This type of data filtering is used, when you need to search in more than one field. After pressing Deployed filter a window appears, which gives you the possibility to enter your desired data, whereas here you can use the above specified symbols ( * and.. ) You can also save the filter, via entering a name in the last field. The saved filter you may use via pressing the button, after that you select the filter saved beforehand. The deletion of a filter is made via selecting the icon Options field Central Cooperative Bank Plc CCB Online

52 After selecting Change sorting a window appears, which gives you the possibility to organize the arrangement of data in the way you want. Sorting is made by clicking on your desired field. The sequence of sorting depends on the sequence, in which you checked the fields. The columns will be sorted in the order you choose. Sorting in descending order Sorting in ascending order Leave the buttons empty to exclude the order of sorting for this column. To deactivate sorting, choose Without sorting. The option visible fields gives you the possibility to choose what information about the transfers to be shown on the main screen. Central Cooperative Bank Plc CCB Online

53 Ticking the second field amount, at the bottom of the screen below all payments there is the total amount of the transfers. As a standard 15 rows appear on the screen. If you want you can change their number, selecting the option More rows / Less rows. Central Cooperative Bank Plc CCB Online

54 Printing a document from the system Via CCB Online you can print payment orders, which have Processed status. The printing of a document from the system is made via selecting and pressing the button Print of payment order. In an analogous manner you can print payment orders to the budget, as well as multi-row payments. Documents menu This object contains the documents, which you have entered upon completing the payment orders: Declaration origin of the funds Declaration for BNB Declaration under Art.7, para. 8 of the Social Security Code From the menu Data of the declaring person /authorized person / you may enter the data of the declaring person /authorized person / and/ or data of the legal entity, whereas it is preserved and you can enter it upon completing the declarations. This is from: Completing a new entry You have to enter the data, which you want to use as templates. Central Cooperative Bank Plc CCB Online

55 Select Preview and after that ОК, where you create an entry, ready for inclusion upon completing the specific declaration. You may create many templates. If you do not want to use a given template any more, it is necessary to enter Editing an entry and untick Active. After that the template will not load upon completing the declaration. Declaration of the origin of funds concerns amounts above BGN Completed during the entry of the payment order, after selecting the plus button the following form loads. Central Cooperative Bank Plc CCB Online

56 If you already have a template of an ordering customer, you select it from the drop-down menu. If you do not have such a template, then from the button you enter the data of the ordering customer which you can use next time directly from the drop-down menu. After selecting your desired template, the information about it will load automatically and you have to complete only the data of the declaration. Central Cooperative Bank Plc CCB Online

57 After the entry of the necessary information in the fields, select the Preview button, if everything is completed correctly, it is necessary to confirm with your password and the document will load in the payment form. Declaration under Art.7 para.8 of the Social Security Code the social security installments due for state public social security, health insurance and the additional obligatory pension social security have been paid in. You have to complete it, if in the payment order you have indicated that the transfer concerns salary Yes. Completed during the entry of the payment order, After selecting the plus button the following form will load. Central Cooperative Bank Plc CCB Online

58 If you already have a template of ordering customer, you select it from the dropdown menu. If you do not have such a template, then from the button you enter the data of the ordering customer which you can use next time directly from the drop-down menu. After selecting your desired template, the information about it will load automatically and you have to complete only the data, concerning the declaration. Central Cooperative Bank Plc CCB Online

59 After the entry of the necessary information in the fields, select the Preview button, if everything is completed correctly, it is necessary to confirm with your password and the document will load in the payment form. Declaration of BNB /STATISTICAL FORM / - concerns the effecting of payments or transfers abroad, payments or transfers among local and foreign persons in the country and upon incoming payments from abroad at value, equal or exceeding BGN Completed during the entry of the payment order, After selecting the plus button the following form will load. Central Cooperative Bank Plc CCB Online

60 After the entry of the necessary information in the fields, select the Preview button, if everything is completed correctly it is necessary to confirm with your password and the document will load in the payment form. Declaration for a transfer to a third party you complete the declaration upon the performance of a wire transfer or payment to a third party to the amount of BGN or more or its equivalent amount in another currency. Third party means countries that are not members of the EEA /European Economic Area / plus Norway, Switzerland, Iceland and Lichtenstein. After selecting the following form will appear: Central Cooperative Bank Plc CCB Online

61 After the entry of the necessary information in the fields, select Preview, if everything is completed correctly it is necessary to confirm with your password and the document will load in the payment form. If you have already created a template for ordering customer, you select it from the drop down menu. If you do not have this template, then from the button you enter the data of the ordering customer, which are automatically stored upon the next entry of the declaration, it will be shown in the dropdown menu. After selecting your desired template, the template information will load automatically and you have to complete only the data about the declaration. In Section І you complete the transfer amount, the transfer currency, as well as you choose whether you enclose the document under Art.2, para.2 of the ordinance. Leaving unchecked the field I enclose the document under Art.2, para.2 of the ordinance, you complete the below mentioned fields: - another document, which evidences the remittance information and the amount of the transfer and/ or - an electronic document, which evidences the remittance information and the transfer amount and / or - I do not dispose with a document and declare the following purpose of the transfer. In Section ІІ you choose whether the income is subject to taxation, if not then the field remains unchecked. In case you specified that it is subject to taxation, then you complete: type of the accrued income, gross amount of the accrued income, as well as the amount of the deducted tax, and you specify whether there is an agreement for the avoidance of double taxation. If you have checked that there is such an agreement, then you choose with which country the agreement is concluded, the provision and its identification. You choose whether there is an opinion of the National Revenue Agency about the presence of grounds for the implementation of the Agreement for the Avoidance of Double Taxation (AADT). More information about Declaration for transfer to a trhird party click here Print of a Document You may print a document by ticking your desired row by button. and selecting the Print Central Cooperative Bank Plc CCB Online

62 Reports menu Account balances From this report you see the balances on all accounts, added to your registration, as well as the disposable amount, whether you have allowed overdraft and any restricted amounts. If you have a card account, you can see the amounts, with which you can operate with your card, i.е. your restricted amounts for BORICA, as well as your amount for card operations. Account statements When you load the report, the following screen appears From the drop down menu you select the account and period, about which you want to receive a statement. After that select ОК. Print with Inquiry print button. Account movements The inquiry shows all the debit or credit movements on your account for the desired period. Another possibility is to specify the transfers in terms of amount or text in the grounds. Central Cooperative Bank Plc CCB Online

63 Deposit maturities You see and review the maturities of your deposit accounts, at which branch they were opened, the maturity, the interest rate and the currency of the deposit. Received transfers from other banks From this inquiry you obtain information what transfers from other banks were credited to your accounts. Received wire transfers From this inquiry you obtain information what currency transfers from the country and abroad were credited to your accounts. You also specify here the respective account and period. State of the loans After you select the account, on which a loan is granted to you by the Bank and confirm with Final confirmation, the system gives you information about the maturities (dates) of the due principal and interest, as well as the processed and unprocessed installments. Exchange rates of currencies, with which the Bank operates This inquiry gives the bid and ask rate of the currencies, with which the Bank operates, as well as the reference rate of BNB. Report reference FX rate for a past period The report shows the reference FX rate for the past date and currency, chosen by you Cards menu Issued cards If you have issued debit cards, from this report you can see the number of the bank account, at which branch it is opened, the restricted amount for BORICA and the name of the cardholder. Here you can see the movements on your card account. Concerning credit cards, registered in the system CCB Оnline, you can see the current balance, the disposable limit for use and the minimum installment for repayment for the respective month, as well as to print the full card movement. You can also generate and print a statement as at the date, which must be the last calendar day of the preceding month. Central Cooperative Bank Plc CCB Online

64 Password Change If you want to change your pasword, select the Register menu in your personal profile and select "Password change. The following screen will appear in front of you: Enter the new password in the two fields and select the "Preview" button. If the system accepts your password, the following screen will appear: Enter here the old password, with which you have worked till the present moment and select "OK. In case you have forgotten your password for CCB Online, you have to visit a branch or office of the Bank, where you submit an application for confirmation of the new password to access the system. If you have submitted it, you need to contact us at 02/ or Central Cooperative Bank Plc CCB Online

65 Change of GSM number for confirmation of operations In case you want to change the GSМ number for confirmation of operations it is necessary to choose the Options menu. Enter the new GSM number, after that select the preview button. At the previous number you will receive a code, which shall be entered. Upon a correctly entered code you will receive a new SMS, this time at the new number. If you do not have access to the previous number, then for a change of the GSM number you have to visit an office of the Bank and complete an application for a change. Central Cooperative Bank Plc CCB Online