Internet Banking for corporate clients

1. Internet Banking for corporate clients

2. What isthe “Remotebanking” • 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 Kazakhstancan offer you 3 modulesof remote banking: • “Bank – Client” module (software is installed on the client’s PC) allowsyou within few minutesto makepayment documents, send them to the Bank, receive an acknowledgement ofdocument payment, and check currentstatus of account • “Internet – Client” module (access to the accounts through https://ib.halykbank.kz) allows fulfilling ofdifferentbank operationsthroughthe bank site, as well astrackingof the current status of accounts • “Online statement" module (access to the accounts throughhttps://ibank.halykbank.kz) allows seeing account remainder and account statement by use of login and password • For remote bankingHalyk Bank of Kazakhstanusessolutions of “Bank Soft System’s» company (Saint Petersburg)

3. Why we selected solutions from “Bank Soft System’s” company • The most complete set of available services fora client and handy interface (noted by business departments of the Bank) • Industrial solution with large number of installations. Bank Soft System’sduring 10 yearshas been specializingonly on solutionsfor remote bankingand has all spectrum of remote services • More than 60% of 200 top banks in Russiausesolutions of BSS + 5 banks in Kazakhstan • Independentreviews of different agencies (Сnews, ORTand etc.) revealhighsatisfactionof not only banks, but also their clientswhen usingsolutions of BSS • According to rankings of “Expert" rating agency and Internet publication CNews.ru, “Bank’s Soft Systems" is in a hundredof major and the most rapidly developing IT-companies in Russia (first amongbanks specializing on solutions in remote banking area) • The system of quality management BSS is certified according to international standardof ISO 9001:2000 • Presence of support servicein Almaty (“BSS-Kazakhstan”company)

4. Ways of connecting to the system “Bank – Client” module Automated Banking system RB BSS Modem pool Internet Automated Banking system RB BSS “Internet – Client” module Internet Automated Banking system RB BSS

5. Payment status alteration • In “Internet banking for corporate clients” systemthe payments status changequite quickly (see picture below) and clientscan see at oncecurrentstatusof a payment document • Delays in status alteration may only be associated with time the manager spends on document settlements

6. Advantages of the “Internet – Client” module • Independence from the place of payment fulfillment • Possibility of remote signing of the documents prepared by the Accounting department • No worries for loss of the payment document database (death of equipment, theft, shut – down) • Image policy – my bank is always with me • No need for the Bank to install systems - mass instilment • Simplification of replication of client parts’ fulfillment • License cost and system technical support are less pricey • Online clients information support

7. Interface of the “Internet – Client” module

8. Advantages of the “Bank – Client” module • More steady and faster connection with the bank • Multi - screen (when a client can browse several kinds of documents simultaneously in one or several screens) • Presence of confirmation • Presence of convenient filters for documents revision • Possibility to export and import archives of payment documents into external databases, i.e. possibility to select certain status of documents for archives • Momentary receipt of account statements upon request due to simplified transport system and separately drawn image • Functioning of software does not depend on operational system

9. Interface of the “Bank – Client” module

10. Which services are available in the Internet Banking • Receipt of statements oncash remainders and cash flowon bank accountsfor any period of time (incoming and outgoing remainder, transactions per day, statement on every operation) • Current information receipt оn cash flow on accounts of subsidiariesand brancheslocated 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 paymentstosavingspension 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 possibilityin terms of deposit) • Keeping track of changes in own credit accounts in the bank • Control of employee expenseson corporate card accounts • Review of currency exchange rates and otherfinancial reference information • Carrying out cashlessbuying/sellingof foreign currency • Making custom payments

11. What else can surprise you in the Internet Banking • 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)

12. How 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”)

13. How 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

14. Commission fees for Internet Banking

15. Payments fees for Internet Banking

16. Which 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

17. What do combined regime and approval mean • 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 serverand 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 havingonly 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

18. Where the agreement on distance banking can be signed

19. Where 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