Contents:

1. 1. Enrollment and sign in
   1. 1.1. Retail customers enrollment
   2. 1.2. Sign in retail customers
   3. 1.3. Log in the application

1. 2.General aspects
1. 2.1. Main page
2. 2.2. Secured messages
3. 2.3. Electronic confirmation
4. 2.4. Approval of transactions

1. 3. Transactions which may be completed through Raiffeisen Online service
1. 3.1. Raiffeisen Smart Mobile
2. 3.2. Account services
1. 3.2.1. My Portfolio  
2. 3.2.2. Opening a current account/savings account
3. 3.2.3. Direct Debit Service - ConfortaBill (Direct Payments to Suppliers)
4. 3.2.4. Statement of account
5. 3.2.5. Display Active transactions
6. 3.2.6. Apply for a debit card
7. 3.2.7 Transaction template
3. 3.3. Operations between own accounts
1. 3.3.1. Transfer between own accounts
2. 3.3.2. Set-up of time deposits
1. 3.3.2.1. Set-up of time deposits
2. 3.3.2.2. Closing down of time deposits
3. 3.3.3. Currency swap between own accounts
4. 3.3.4. Open investment funds
4. 3.4.Transfers/Payments.
1. 3.4.1. Intra-banking payments (into accounts at Raiffeisen Bank)
2. 3.4.2. Inter-banking payments (in accounts opened at other banks)
3. 3.4.3. Invoice payment

1. 4. Client services.
1. 4.1. Change of user code
2. 4.2. Change of e-mail address
3. 4.3. Account aliases
4. 4.4. Management of beneficiaries
5. 4.5. On-line activity
6. 4.6. Raiffeisen Online Help - Raiffeisen Online User's Guide
7. 4.7. Manage templates

1. 5. Limits for the use of Raiffeisen Online.

1. Sign-up and sign-in to Raiffeisen Online

Raiffeisen Online allows you to perform banking operations via Internet 24/7 wherever you are in the world, by accessing the website www.raiffeisenonline.ro.

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1.1. Sign-up of natural persons

In order to become a client of the Raiffeisen Online service, you must:

Be a client of Raiffeisen Bank

Own at least an active current account in RON/EUR/USD

Own an active SMART card

Execute the agreement for the activation of the service.

In order to execute the agreement for activation of Raiffeisen Online Service, you may contact any Raiffeisen Bank unit, where our specialists will assist you and thus you will discover the first steps in using the service.

"Smart Card": any debit or credit card provided with a chip, or the Raiffeisen Online card owned by the Client with the Bank.

"Raiffeisen Online Card": the card that may be exclusively used for the generation of sign-in and transaction approval codes within Raiffeisen Online Service, with the help of the card-reader.

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1.2. Sign-in of natural persons

As a result of executing the agreement, the service becomes active immediately and you will be able to use it under full security conditions with the observance thereof as well as of the recommendations in the user’s guide.

The first sign-in

The following information will be used for the first sign-in to Raiffeisen Online:

• Initial user code (CIF): the code communicated by the specialist in the Raiffeisen Bank unit and written in the agreement;
• Sign-in code generated by means of the SMART card and the card reader.

Upon the first sign-in, you will be compulsorily required to change your User Code.

Thus, you are able to set a preferred User Code.

For all subsequent sign-in you will insert the User Code and the code generated by the card reader.

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1.3. Sign-in to the application

For the sign-in to the Raiffeisen Online application, you will take the following steps:

1. 1. Access Raiffeisen Online
2. (Link from www.raiffeisen.ro or directly on www.raiffeisenonline.ro .)
3. 2. Insert User Code*
4. (Upon the first sign-in, the initial User Code (CIF) communicated by the bank and noted in the agreement is inserted. As of the second sign-in, you will insert the User Code (CIF) that you chose.)
5. 3. Press the Continue button
6. 4. Sign-in code generated with the help of the SMART card and of the card reader
7. Insert the Smart card into the card reader
8. Select the Sign-in option
9. Insert the PIN
10. Insert the password generated by the card reader on the screen for accessing the Raiffeisen Online application
11. 5. Press the Sign-in button
12. 6. Raiffeisen Online Service is available for you

* Attention: The user code is case sensitive (when you insert it, you should have in mind that the type of characters–capital or small letters–must be exactly as set during sign-in).

A possible wrong use of one of the sign-in items for 3 times consecutively will lead to the blocking of the respective user for security reasons. Your access will be un-blocked by calling the telephone service made available by the Bank to the User of Raiffeisen Online Service at 021/306.55.55 or 021/306.55.56 (Call Center Service), available 24/7.

Attention: If you inserted the wrong user as identification item and a correct sign-in code, for the following 2 attempts you are entitled to, you must use a new sign-in code generated by the SMART Card. A sign-in code may be used only once in the application.

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2. General aspects

2.1. Main page

After completing the steps for the sign-in to the application, the first displayed page is the Main page, which provides the following information:

Current date and time

Date and time of the last login to the application

Number of unread secured messages (if any)

Text for information purposes (being provided by the bank at the bottom of the page)

The following icons are displayed in the top right corner of the main page:

1. : It directs you to the main page
2. : It directs you to the page with secured messages
3. : Print the page
4. : It directs you to the User's Guide of Raiffeisen Online.

Four categories of menu are on the left side of the screen as follows:

"Account services", "Operations between own accounts", "Transfers/Payments", "Client service" and the option "Sign-out" which helps you to adequately sign out of the Raiffeisen Online application.

Every time you select one of the previous categories from this menu, the component submenus will be displayed.

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2.2. Secured messages

The secured messages option is a service which offers you the opportunity to communicate with the bank in a secure manner by using text messages. In order to visualize the received messages or to send a secured message to the bank, you must select the envelope sign ( ) which is accessible at any time on any page. Also, if there are unread secured messages, you are notified about them through a message existing on the main page.

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2.3. Electronic confirmation

The Raiffeisen Online application generates, for each completed banking transaction, a file called Electronic confirmation which may be saved on your own computer, as soon as the transaction is completed or from the menu Client Services – Online Activity for the confirmed transactions.

In this file you can fill in your data to send potential requests to the bank through secured means. The electronic confirmation can be saved and sent either immediately after the completion of the transaction or subsequently. In this latter case, you must access the Client service menu, the option On-line activity, where you can find the Electronic confirmation, you fill it in and you send it to the bank.

In order to send the Electronic confirmation to the bank, you must be signed in to Raiffeisen Online application. The Bank receives your comments along with the transaction details, analyzes the request and contacts you afterwards to send you the answer.

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2.4. Transaction authorization

For certain categories of transactions, in order to ensure the security necessary for the transaction of funds, an Authorization Code will be requested.

The transaction authorization code is generated by complying with the following steps:

Insert the Smart card in the card reader

Select the option Authorize

Insert the PIN

Insert the amount of the transaction (as indicated on the transaction confirmation screen)

Insert the last "n" figures in the account to which the transaction is made (as indicated in the transaction confirmation screen)

Insert the password generated by the card reader on the screen authorizing the transaction

Attention: Should you insert an incorrect authorization code for 3 times consecutively in the payment confirmation screen, your user will be blocked and will not be able to perform transactions within the current log-in session; further, you will be able to use the service Raiffeisen Online only in order to view the information. In order for you to carry out transactions again, you must un-log yourself and start a new session, by logging yourself again to the Raiffeisen Online service.

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3. Transactions which may be completed through Raiffeisen Online

3.1. Raiffeisen Smart Mobile

Using this menu function, you have the possibility to activate, as well as deactivate (if the case) , the Mobile Banking service offered by Raiffeisen Bank, namely Raiffeisen Smart Mobile.

Note: The possibility to activate Raiffeisen Smart Mobile service is available only for Raiffeisen Online customers.

Once you have activated Raiffeisen Smart Mobile service, via this menu, you will also have the possibility to change the password used for accessing this application.

The activation of Raiffeisen Smart Mobile service will be done, by following the steps below:

• Activate/Deactivate Smart Mobile service: if the checkbox corresponding to this field is empty, this means that for the time being, your Raiffeisen Smart Mobile service is not active ;  in order to activate it, please select the dedicated chackbox. The following fields will be displayed :
• Authentication method: Password - display-only field,  that presents the authentication method for Raiffeisen Smart Mobile service ;
• Password: - please establish the password that you would like to use in order to access Raiffeisen Smart Mobile service;  for security reasons, the password must contain between  8 and 12 alphanumeric characters, at least one digit and at least one letter. ;
• Confirm Password: - input again the password for confirmation ;
• I agree with the Terms and Conditions: before proceeding further with the activation of the service Raiffeisen Smart Mobile, it is necessary to read and accept the Contractual Terms and Conditions applicable to this service. The Contractual Terms and Conditions are posted under the form of a link within the current screen.Thus, provided the fact that you agree with the Terms and Conditions, please select the checkbox dedicated to this field. Furthermore, the application will allow continuing with the activation process for Raiffeisen Smart Mobile service.

The button Submit will direct you to the confirmation page, where you will have the possibility to review the details of the actions that you are in course of performing.

Confirmation

Provided the fact that you agree with the data you have input previously and that are presented on this screen, please press the button Confirm in order to finalize the operation of activating Raiffeisen Smart Mobile service.

If you want to modify the data you have input previously, please press the button Cancel and this way you will go back to the input screen.

Result

The Result screen informs you about the way the operation of activating the service Raiffeisen Smart Mobile has finalized. Provided the fact that the activation of this service has been done sucessfully, you have the possibility to press the button Continue and you will be automatically redirected to the Manage Templates screen. By the means of this screen, you have the possibility to define and manage payment templates , in order to use them further on via Smart Mobile service. For details in this respect, please consult the 4.7.Manage Templates, within the present User Guide.

For the de-activation of the service Raiffeisen Smart Mobile, please go through the following steps :

• Activate/Deactivate Smart Mobile service : if the checkbox corresponding to this field is selected, this means that for the time being, your Raiffeisen Smart Mobile service is active;  in order to deactivate it, please deselect the dedicated checkbox.  Once you have deselected the checkbox, the other fields on the screen will dissappear.

The button Submit will direct you to the confirmation page, where you will have the possibility to review the details of the actions that you are in course of performing, namely the deactivation of Raiffeisen Smart Mobile service.

Confirmation

Provided the fact that you want to continue with the deactivation of the service Raiffeisen Smart Mobile, please press the button Confirm .

If you  do not want to finalize this action, please press the button Cancel and this way you will go back to the input screen.

Result

The result screen will inform you about the way the operation of deactivating Raiffeisen Smart Mobile has finalized.

If you want to modify the password used for the authentication within Raiffeisen Smart Mobile service, please undertake the following actions :

Activate/Deactivate Smart Mobile service: if the checkbox corresponding to this field is selected, this means that for the time being, your Raiffeisen Smart Mobile service is active and this way you can modify the password you have established previously for accessing this service.

Authentication method: Password - display-only field that presents the authentication method used for Raiffeisen Smart Mobile ;

• Set/Change Password: in order to set a new password, please select the dedicated checkbox ;  once you have selected the respective checkbox, 2 new fields will be displayed on the page, namely :
• Password: - please establish the new password that you would like to use in order to access Raiffeisen Smart Mobile service;  the password must obey the same security algorithm, meaning that it has to contain between  8 and 12 alphanumeric characters, at least one digit and at least one letter. ;
• Confirm Password: - input again the password for confirmation ;

The button Submit will direct you to a confirmation page, in which you will be presented one more time the action your are in course of performing, namely  that you are in the process of changing the password for Raiffeisen Smart Mobile.

Confirmation

If you want to continue with the action of modifying the password, please press the button Confirm.

If you do not want to finalize this action, it is necessary to press the button Cancel and this way you will return to the screen of inputting the data.

Result

The screen Result will inform you about the way the action of modifying the password  for Raiffeisen Smart Mobile has finalized.

Once you have received the message that the action has been finalized sucessfully, any subsequent authentication within Raiffeisen Smart Mobile will be done based on this new password.

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3.2. Account services

3.2.1. My Portfolio

The option My Portfolio provides the list of the personal accounts (that you are holder of) opened with Raiffeisen Bank. As an exception, in the case of the deposit accounts for underage persons, the legal representative will be able to have access to these accounts by means of Raiffeisen Online, only in order to view the balances and the transaction history of such accounts.

In order to view this list, you must select the submenu My Portfolio from the menu Account Services, the first option up to the left.

The following information is provided for each account:

Account type – product

Account number / name

Account currency

Available balance (valid for the current and savings accounts)

Current balance

You can view further details about each and every account by a simple click on such account.

By Raiffeisen Online, you are able to view the accounts that you mentioned in your agreement or, at your request, all active accounts that you hold upon signing-up for the Raiffeisen Online service. If you requested the opening of new accounts by other channels than Raiffeisen Online and you wish to access them by means of Raiffeisen Online, please contact a Raiffeisen Bank unit or call the Call Center at 021/306.55.55 or 021/306.55.56 and request that such accounts be added. Thus, by means of Raiffeisen Online you benefit from complete flexibility and you decide the accounts you wish to access, or, on the contrary, that you wish to exclude from the application Raiffeisen Online.

Account types:

A. Current and savings accounts

The following information is displayed for the current and savings accounts:

1. Details:

IBAN account number

Number and name of the agency where the account is opened

Opening date of the account

2. Beneficiaries:

Holder/relation of the holder towards the account: it displays the account holder and also the name of the proxies for the respective account, if any

3. Balances:

Available balance

Current balance

Balance of the last statement of account

Overdraft limit

Total used overdraft

Total withheld amounts (by accessing the Details button, you can visualize in a broken-down manner the transactions retained with the payment details and their completion date)

Transactions during the current day

With the help of this function, by accessing the button "Show" you will be able to view the transactions performed during the current day in the respective account with all the details corresponding to a statement of account.

The provisional statement of account is available for viewing and printing in PDF, Excel or MT942 format. Moreover, the statement of account may be saved and archived electronically for later use.

• Active Transactions

Using this function you will be able to see the transactions which are going to be made from the selected account. There are displayed the following active transactions:

• Future dated and recurrent transactions–with the possibility to display or to delete them;
• Direct Debit - ConfortaBill contract - with the possibility to display, modify or to delete them;
• Transactions to the loan accounts.

The following part of the screen displays a history of the transactions regarding the respective account, the fields below being used as selection criteria:

Date (as of - until) (DD/MM/YYYY)

Amount (from - up to)

Number of transactions

Transaction type

After you insert the desired criteria, you must press the Submit button and the screen will display the list of the transactions which fulfill the required criteria. For each transaction, the following information is displayed:

Transaction date

Date when the transaction was performed

Description of the transaction

Debt: amount of the transaction, if it is a debt transaction

Credit: amount of the transaction, if it is a credit transaction

You can download the transaction in .xls or .qif format by simply pressing the button corresponding to the desired format.

At the bottom of the page, there is an expanding list which includes all your personal accounts.

You can select another account and by simply pressing the "Show" button you can view details about such account.

B. Time deposits

The following information will be displayed for a time deposit:

1. Details

Number and name of the agency with which the deposit is opened

Opening date of the deposit account

Maturity date/the following renewal date: if there is a time deposit with a single maturity date, then the maturity date is displayed and if there is a deposit with renewal, the date of the following renewal of the deposit is displayed.

2. Holders

Holder / relation of the holder towards the account: it displays the holder of the account and the name of the proxies also, if there are any for such account.

3. Features of the time deposit

Current balance: balance of the time deposit

Interest withheld this year: the interest that was withheld the current year

Interest paid this year: the interest paid the current year

The following interest payment date: the date when the next payment of interest will take place

The following payable amount

The account for the transfer of the interest

The balance of the last statement of account

The following section of the screen displays the transaction history on such account and is similar to the one for the current and savings accounts.

C. Credit accounts

The following information will be displayed for the credit accounts:

1. Details

Number and name of the agency with which the credit account is opened

Opening date

Expiry date: maturity date of the credit

2. Loan features

Loan amount: amount for which the credit was granted

Main balance: the amount remaining from the granted credit which was not paid yet

The following payment date

• The following payable amount
• Outstanding payments

Account from which payment is made

Interest rate

Balance of the last statement of account

The following section of the screen displays the transaction history on such account and is similar to the one for the current and savings accounts.

D. Credit cards

The following information will be displayed for credit cards:

Details:

• Approved credit limit
• Amounts used since the last report, inclusively: amount spent from the approved credit limit
• Amount of the last repayment
• Balance of the last activity report
• Minimum amount to be repaid
• Maximum repayment term
• There is direct debit

The following section of the screen displays the transaction history on such account and is similar to the one for the current and savings accounts

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3.2.2. Opening a current account/savings account

By means of this function, you send the bank instructions for the opening of current accounts or savings accounts:

The following information will be displayed:

• Type of account: displays current accounts in RON, EUR, USD, CHF, GBP, HUF and current and savings accounts Super Acces Plus in RON, EUR, USD.
• Proxy 1 (Personal Identification Number - CNP): You can insert the  Personal Identification Number of the account proxy, belonging to a person already existing in the bank’s data base;
• Proxy 2 (Personal Identification Number - CNP): You can insert the  Personal Identification Number of a second account proxy, belonging to a person already existing in the bank’s data base;
• Account alias: You can insert the current account / savings account alias for the purpose of identifying more easily a certain account from the list of existing accounts;
• I agree with the Terms and Conditions for opening a current/savings account in accordance with the selection in the Account Type: tick if you have read and agree with the Terms and conditions for opening a current/savings account, namely the General Conditions for Performance Banking Operations;
• Submit: press Submit after you selected the option above and a verification and confirmation screen will be displayed which summarizes the details of the current account/savings account opening transaction. The sign-in code as per the details on the screen will be inserted.

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3.2.3. Direct Debit Service–ConfortaBill (Direct Payments to Suppliers)

By this functionality you send the bank instructions for the purpose of automatically charging your current account with the value of the invoices issued by a service supplier in your name or of a third party, client of supplier. Also, you can delete or change the instructions previously sent to the bank.

Upon the setting up a payment by the service ConfortaBill, you must select the account which will be debited (payer account), as well as the service supplier; afterwards, you will fill in the displayed fields with the details on your invoice. If the invoice that you wish pay is not issued with your name, you must tick the “Third party” and "Name of the third party" field and fill in the remaining fields with the data of the holder of the invoice issued by the supplier in accordance with the instructions on the screen.

You must fill in the Maximum value of the invoice field with the maximum value deemed as representing the maximum amount of the invoices that you can reasonably expect, taking into account the profile of previous expenses and the conditions in the agreement with the supplier, value up to which the bank is empowered to debit the client’s account for the respective supplier. If the value of the invoice sent by the supplier for payment exceeds this maximum value, the bank will not debit your account.

Important: If you did not insert a maximum invoice value, the Bank establishes a maximum value ex officio which appears on the screen Set-up of direct payment to suppliers–ConfortaBill.

In order to delete or modify the instructions previously communicated to the bank, you must access the Show active Supplier Direct Payments button and then Submit. All the instructions active on the selected payer account will be displayed; each and every one of them can be deleted or modified.

You also have the option to deactivate/activate a direct debit mandate if you want the bank not to debit the account for the inactive period.

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3.2.4. Statement of account

With the help of such functionality, you can obtain a statement of account for one of your current or savings accounts. From the expanding list which contains all your accounts added within the service Raiffeisen Online, you can select the account for which you want the statement of account.

You are also able to use a selection criterion, selecting the start date and end date for the time frame for which you wish the statement of account for such account to be displayed.

Upon selecting the display period for the statement of account, you must take into account the following restrictions:

The commencement date cannot be before the date the Raiffeisen Online service was activated;

The end date cannot be after the current date;

The maximum period that you can select for the purpose of obtaining the statement of a certain account is 6 months before the current date.

By simply accessing the Submit button, the application will display all statements of account generated during the period filled in as selection criterion for the account you previously selected.

The application also enables you to quickly view the last statement of account generated for a certain account, by pressing "Download Last Statement".

The statement of account may be viewed and printed in PDF or Excel format as of the date the account is signed-up to the Raiffeisen Online application. Also, the statement of account may be saved and archived in electronic format for subsequent use by ticking the box next to the field "Archived File ".

The information displayed in the statement of account downloaded by the Raiffeisen Online application is similar to the one listed on the statement of account provided to you by the Raiffeisen unit with which your accounts are opened and refers to information in relation to the paid/collected amounts, the transaction date, details regarding the beneficiary/fund manager of the financial transaction.

The application allows you to download archived, in PDF or Excel format, multiple account statements, if you want to download more than one account statement in the same time. You have to select the account statements that you want to download and then press the "Submit" button from the bottom of the page.

If you want to select all the account statements available for the account selected, press "All", and if you want to cancel the selection press "None ".

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3.2.5. Display active transactions

This function allows you to display, modify or delete future dated or recurrent transactions.

Using the filters, you can display the transactions according:

• type
• debited account
• sum
• currency
• time period
• beneficiary account

For eachactive transaction you have the possibility to Display or Delete.

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3.2.6. Apply for a debit card

Using this function you can apply for a debit card for you or for supplementary users.

The following information will be displayed:

Select Current Account: You will have to select the account which allow you to attach a debit card;

Debit Card Type: the list is according to the bank offer;

Debit Card Category: you can apply for one principal card or maximum 2 supplementary cards. The supplementary cards can be attach to an account only if that account already has a principal card;

Security Password: it will be the password that you choose to be used in the identification process of the card holder;

Name on the card: It’s accepted only a combination between name and surname of client (if the client has more).

For example: Popescu-Ionescu Maria Ioana–Name on the card (max 25 letters) can be Ionescu Ioana;

County: You have to choose the county in which is located the branch from where the card will be pick uk;

Branch:  From the list you have to choose the branch from where the card will be pick uk;

I agree with term and conditions regarding Debit Card: before you apply for a debit card, it is necessary for you to read The Term and Conditions regarding Debit Card. If this are accepted, the proccess of applying for a debit card can be finished.

When you apply for a debit card which is supplementary, there are also required:

National ID: the national ID of the card holder;

Nationality: nationality of the card holder;

Legal card Id: legal card Id of the card holder;

Legal card number: legal card number of the card holder;

First Name: first Name of the ard holer;

Last Name: last Name of the card holder;

Phone number: phone number of the card holder;

Marital Status: marital Status of the card holder;

Residency: from the list you’ll select the declared information according to the card holder.

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3.2.7. Transaction template

In the field corresponding to the insertion of data for each transaction existing in the Raiffeisen Online application, you can save the transaction which you are to perform as template. In case you perform such transaction often, after saving the template you can select the template corresponding to such transaction and thus a series of fields corresponding to such transaction will be filled in automatically with the data saved upon the creation of the template.

In order to create a template, you must tick the "Create New Template " box. Automatically, the page will display a new field, "Template Name ", next to which the "Save Template" button is located. For the purpose of saving a template, you must fill in all the transaction fields and then access the "Save Template" button.

Next to the field "Choose a template for this transaction", there is an expanding list in which the Raiffeisen Online application will save this transaction as template and then from the expanding list you will be able to select the transaction for the purpose of completing it.

For the modification/deletion of a template, as well as for the activation of a template in order to be used via Raiffeisen Smart Mobile, please consult the section 4.7. Manage Templates (menu Client Services – Manage Templates).

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3.3. Operations between own accounts

3.3.1. Transfer between own accounts

This transaction is used to transfer funds between two accounts of the firm opened with Raiffeisen Bank.

The transaction implies the running of three screens and the filling in of the following fields:

Data insertion

Choose a template for this transaction: You can select a template from the expanding list out of those created by your user for this type of transaction;

From account: the account to be debited. You must select the account from which the transfer will be made from an expanding list;

Into account: the account to be credited. You must select the company’s account to which the transfer will be made from an expanding list;

Amount: amount to be transferred;

If you want to transfer an amount containing decimals (e.g.: RON 100 and 21 bani), you will insert 100, the mark "Dot" and then 21, i.e. RON 100.21.

Date of transfer (DD/MM/YYYY): the date of the transaction (respectively of the first transfer if you want to repeat the transaction);

Payment details: the text to be included in the description field of the transaction history of the respective account;

Create New Template: by ticking this box a new field will be automatically displayed, "Template Name", and starting with this moment the inserted data may be saved as template by accessing the "Save as New Template" button;

I want to repeat this transaction: if you want the transaction to be performed again, you must tick the box and fill in the next fields.

Frequency (all): you must fill-in the frequency of carrying out the transaction if you opted to repeat the transfer.

You may opt for the repeated transfer to be made:

a. on a fixed date

In this case, you will indicate the preferred date in the Transfer date field, while in the Frequency (all) section you will select 1 month, if you wish the transfer to be made monthly or 2 months if you wish the transfer to be made on the fixed date indicated by you every two months etc.

E.g.: Transfer date: 16/10/2011 and Frequency: 1 month shall cause the transfer to be repeated every month, on the 16th.

b. every fixed number of days

In this case, you will mention the date of the first transfer in the Transfer date field, and in the Frequency (all) section you will select 1 day, if you wish the transfer to be made daily, or 3 days, if you wish the transfer to be made every 3 days etc.

Expiry date (DD/MM/YYYY): if the transfer is performed again, you must mention the expiry date and starting with this date the transfer will no longer be made.

The button Submit will divert you to the confirmation page where you will be able to see the transaction details again.

Confirmation

If you agree with the transaction details, you must press Confirm to perform the transaction.

If you want to change the information you must press Cancel, and this will take you back to the data insertion page.

Result

The Result screen provides information regarding the processing of the transaction, and in case of repeated payments or in the future, this screen confirms successfully sending to the bank the respective payment instructions.

For the Electronic confirmation option which will open a file with the details of the transaction, which may be saved on your computer you must go to the Client Service menu - Online Activity.

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3.3.2. Time deposits

3.3.2.1. Set-up of time deposits

This function enables you to set-up deposits using the Raiffeisen Online application.

The data insertion screen displayed after accessing the function Set-up of deposits requests:

The type of deposit intended (to be selected from the expanding list).
The expanding list displaying the types of deposits contains simplified names the explanation of which may be viewed by pressing the button Deposit Information.

For instance: DEP 1 L PF DOB FLUCT CAPIT lei * lei is the Deposit in RON for one month with fluctuating interest and capitalization of the interest;

The account from which the amount will be transferred for transferring money into the set-up deposit (select from the expanding list);

The amount for setting-up the deposit;

For each deposit there is a minimum amount required for the set-up which may be viewed by pressing Deposit information, or www.raiffeisen.ro.

If you want to transfer an amount containing decimals (e.g.: RON 100 and 21 bani), you will insert 100, the mark "Dot" and then 21, i.e. RON 100.21

The account in which the interest will be transferred each month, for the deposits with interest transfer (to be selected from the expanding list).

Then press Submit and a confirmation screen will be displayed; if the data is correct, you must press Confirm.

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3.3.2.2. Redemption of time deposits

This function enables you to close down deposits in RON you have at Raiffeisen Bank (both the deposits set up by Raiffeisen Online and those set-up by other channels (at the bank or by Raiffeisen Direct).

The data insertion screen displayed after accessing the function Closing down of deposits requests that you select the following from the expanding list:

From account – deposit account in RON you want to close down;

Into account- your current or savings account where the amount accumulated in deposit will be transferred.

No deposits can be closed down between 10 PM and 4 AM.

Then press Submit and a confirmation screen will be displayed; if the data is correct, you must press Confirm.

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3.3.3. Currency swap between own accounts

This function enables you to make currency swaps and cross-currency transactions between your own accounts.

The data insertion screen will request the following information:

Choose a template for this transaction: You can select a template from the expanding list out of those created by your user for this type of transaction;

From account: the account from which the money will be paid;

Into account: the account where the money will be paid;

Currency of the transaction: represents the currency intended to be transacted (the exchange rates on that respective date are displayed after pressing the button "Exchange Rates");

Amount: amount to be taken from the selected account;

Details of the payment that represents the respective transfer

Create New Template – by ticking this box a new field will be automatically displayed, "Template Name", and starting with that moment the inserted data may be saved as template by accessing the "Save Template" button.

Sale and purchase of foreign currency, indicating the exact amount in foreign currency

From account: select one of the accounts from which you want to sell foreign currency;

Into account: select one of your personal accounts;

Currency of the transaction: select the currency corresponding to the foreign currency you intend to sell;

Amount: insert the amount in foreign currency you intend to sell.

Then, press Submit and a verification and confirmation screen will appear, summarizing the transaction details.

If the displayed information is correct, press Confirm.

If you want to change the information you must press Cancel, which will take you back to the data insertion page.

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3.3.4. Open investment funds

This function enables you to subscribe for shares with Raiffeisen Asset Management investment funds.

The displayed page provides the following fields:

Choose a template for this transaction: You can select a template from the expanding list out of those created by your user for this type of transaction

From account: select one of the accounts from which you want to subscribe

Into the beneficiary’s account: you can select the account corresponding to the investment fund that you wish to subscribe for from the expanding list.

Amount: insert the amount corresponding to the subscribing

Payment date: date of the transaction (respectively of the first transfer, if the transaction is intended to be performed again).

Subscribing for another holder: tick if you subscribe for a third party/company – if ticked, two fields are displayed

Personal Identification Number (CNP) of the holder of fund units: to be filled-in with the Personal Identification Number (CNP) / Sole Registration Number (CUI) of the person/company in whose name the subscribing is made

Name of holder of fund units: the name of the person/company in whose name the subscribing is made.

Create New Template: by ticking this box a new field will be automatically displayed, "Template Name", and starting with that moment the inserted data may be saved as template by accessing the "Save Template" button

I want this transaction to be repeated: if you want this transfer to be performed again, you must tick the box and fill in the next sections.

Frequency (all): you must fill-in the frequency of the transaction. You may opt for the repeated transfer to be made:

a. on a fixed date. In this case, you will indicate the preferred date in the field Transfer date, while in the Frequency (all) section you will select 1 month, if you wish the transfer to be made monthly or 2 months if you wish the transfer to be made on the fixed date indicated by you every two months etc. E.g.: Transfer date: 16/04/2007 and Frequency: 1 month shall cause the transfer to be repeated every month, on the 16^th.

b. every fixed number of days. In this case,
you will mention the date of the first transfer in the Transfer date field, and in the Frequency (all) section you will select 1 day, if you wish the transfer to be made daily or 3 days if you wish the transfer to be made every 3 days etc. If you want to repeat it every 2 months you may select 2 and the option “month (i)” etc.

Expiry date (DD/MM/YYYY): if the transfer is repeated, you must mention the expiry date and starting with this date the transfer will no longer be made

Note: If you are subscribing for the first for each investment fund you are kindly asked to refer to a Raiffeisen Bank unit for the issuance of the accession form.

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3.4. Transfers / Payments

ATTENTION: The transactions posted in the application during the time frame 0:00- 7:00 will be processed into the accounts starting with 7:00 o’clock, and a message will appear on the screen that displays the result of the transactions for this purpose.

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3.4.1. Intra-banking payments (into accounts with Raiffeisen Bank)

This operation is used to transfer funds online (both in RON and foreign currency) from a personal account to an account of another Raiffeisen Bank client.
If you wish to pay utilities invoices, insurance policies etc. please use the option “Invoice payment”.

The following information must be provided:

Choose a template for this transaction – you can select a template from the expanding list out of those created by your user for this type of transaction.

Account: the company’s account to be debited. You will select this account from an expanding list with all your personal accounts

Into the beneficiary’s account: account to be credited. If you defined the beneficiary of the transfer in the option Management of beneficiaries, you can select its name from the expanding list. Both accounts (the personal one and the beneficiary’s account) must be opened in the same currency. The beneficiary account may be filled in both entirely in IBAN format within the application and in short format: the last 10 figures of the IBAN account or the figures after the zeros within the last 10 figures of the IBAN account. The authorization screen will display the entire IBAN account.

Currency: From the list choose the currency of the credited account

Paid amount: amount to be transferred

Payment date (DD/MM/YYYY): date of the transfer(respectively of the first transfer, if you intend to perform again the transaction)

Payment details, line 1: details of the payment that you are to make. The text will be included in the description section of the transaction history of the respective account.

Payment details, line 2: details of the payment that you are to make. The text will be included in the description section of the transaction history of the respective account

Order number of the payment: you can assign an order number so as to keep track of the payments made by Raiffeisen Online

Create New Template – by ticking this box a new field will be automatically displayed, ‘Template Name’, and starting with that moment the inserted data may be saved as template by accessing the ‘Save Template’ button

I want to repeat this transaction: if you want this transaction to be performed again, you must tick the box.

Frequency (all): you must fill-in the frequency of the transaction if you chose that the transfer should be recurrent.

You may opt for the repeated transfer to be made:

a. on a fixed date

In this case, in the section Transfer date you will indicate the preferred date, while in the Frequency (all) section you will select 1 month, if you wish the transfer to be made monthly or 2 months if you wish the transfer to be made on the fixed date indicated by you every two months etc

For instance: Transfer date: 16/04/2006 and

Frequency: 1 month, will lead to the recurrence of the transfer once every month, on the 16^th.

b. every fixed number of days

In this case, in the Payment date field you will mention the date of the first transfer, and in the Frequency (all) section you will select 1 day, if you wish the transfer to be made daily or 3 days if you wish the transfer to be made every 3 days etc. If you want to repeat it every 2 months you may select 2 and the option “month (i)” etc.

Expiry date (DD/MM/YYYY): if the transfer is performed again, you must mention the expiry date thereof and starting with this date the transfer will no longer be made

Then you press Submit and a verification and confirmation screen will be displayed summarizing the transaction details.

If the displayed information is correct, the Authorization Code is inserted and Confirm button is pressed.

If you want to change the information you must press Cancel, which will take you back to the data insertion page.

Note: For payment orders in foreign currency, as well as for payment orders in RON on the territory of Romania, the amount of which is equal or higher than EUR 50,000 or the equivalent on the payment date, ordered by a resident Client to a non-resident one, the resident Client will fill in and submit to the Bank the External payment order/declaration (DPE) within maximum 10 calendar days as of the date the payment is made.

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3.4.2. Inter-banking payments (in accounts opened with other banks)

A. Inter-banking payments in RON

By accessing this option you will be able to make transfers in RON or foreign currency to personal accounts or of other persons opened with other commercial banks in Romania.

The data insertion screen will request the following information:

Choose a template for this transaction: you can select a template from the expanding list out of those created by your user for this type of transaction

From account: account of the company from which you will make the transfer

Into the beneficiary’s IBAN account: the IBAN account number of the beneficiary to which you wish to make the transfer. If you defined the beneficiary of the transfer in the Management of beneficiaries option, you can select its name in the expanding list.

Paid amount: amount you wish to transfer

Payment date : date when the transfer will be made

Beneficiary fiscal identification code: this section is filled-in only for payments to Treasury, in accordance with the legal provisions

Name of beneficiary: the name of the beneficiary in whose account you are making the transfer

Record number of the payment: to be filled-in only for budgetary payments (to state treasuries), as per the legal provisions(Note: until December 31, 2007 as per the laws in force this section is no longer filled-in in case of budgetary payments)

Payment details Line 1 and Line 2: you can insert the description of the payment (invoice number, subscriber code etc). If you want to pay utilities invoices, insurance policies, etc. please use the option “Invoice payment”

Order number of the payment: assign an order number to keep track of the payments made by Raiffeisen Online.

Create New Template – by ticking this box a new field will be automatically displayed, Template Name’, and starting with this date the inserted data may be saved as template by accessing the ‘Save Template’ button

If you want this transfer to be made again, you must tick the box I want to repeat this transaction:

a) on a fixed date

In this case, in the field Transfer date you will indicate the preferred date, while in the Frequency (all) section you will select 1 month, if you wish the transfer to be made monthly or 2 months if you wish the transfer to be made on the fixed date indicated by you every two months etc.

For instance: Transfer date: 16/04/2006 and

Frequency: 1 month, will lead to the recurrence of the transfer once every month, on the 16^th.

b) every fixed number of days

In this case, in the field Transfer date you will mention the date of the first transfer, while in the section Frequency (all) you will select 1 day, if you want it to be made daily or 3 days, if you want the transfer to be made every 3 days etc.

Expiry date (DD/MM/YYYY): if the transfer is performed again, you must mention the expiry date and starting with this date the transfer will no longer be made

The confirmation screen summarizes the transaction details and requests the insertion of the Authorization Code. After checking the information, you must press Confirm to perform the transaction.

Note: For payment orders in foreign currency, as well as for payment orders in RON on the territory of Romania, the amount of which is equal or higher than EUR 50,000 or the equivalent on the payment date, ordered by a resident Client to a non-resident one, the resident Client will fill in and submit to the Bank the External payment order/declaration (DPE) within maximum 10 calendar days as of the date the payment is made.

B. Inter-banking payments in foreign currency

By accessing this option you will be able to make transfers to accounts in foreign currency opened with other commercial banks in Romania or banks abroad.

The data insertion screen shall request the following information for the inter-banking payments in foreign currency:

Choose a template for this transaction: you can choose a template from the expanding list out of those created by your user for this type of transaction

From account: the company’s account from which you will make the transfer

Into account: if you have predefined inter-banking payments in foreign currency in the Management of Beneficiaries menu, an expanding list will be displayed in this section out of which you can select the beneficiary to which you want to make the transfer

Number of beneficiary account: number of the account (IBAN) to which you intend to make the transfer

Name of beneficiary: the name of the beneficiary in the account of which you make the transfer

Beneficiary address/ country: address and country of the beneficiary

Paid amount: amount that you wish to transfer

Payment date (DD/MM/YYYY): current date

Payment details: here you can insert the description of the respective transfer

Name of beneficiary bank: name of the bank where the beneficiary’s account is opened

Address of beneficiary bank: address of the bank where the beneficiary’s account is opened

Beneficiary bank SWIFT code: SWIFT code of the beneficiary’s bank

Priority: nature of the payment (date of foreign currency), respectively the standard payment, foreign currency date =D+2, urgent payment (today/tomorrow), foreign currency date =D or D+1. For the transfers with the foreign currency date D or D+1 an emergency fee is charged. For further details please visit www.raiffeisenonline.ro, the charges and fees section

Fees and expenses: from the expanding list you can choose for the fees  of the corresponding banks for this transfer to be paid by the beneficiary (BEN), by the payer (OUR),or to be shared(SHA)

Additional instructions: other details regarding the performed transfer

Statistic cod: the statistic code of the payment

Documents: documents underlying the payment

Create New Template – by ticking this box a new field will be automatically displayed, "Template Name", and starting with this date the inserted data may be saved as template by accessing the "Save Template" button.

The amount paid may be split/detailed per transaction, filling-in for each transaction the value, related statistic code, description of the transaction and, delivery date and/or number with the External debt registry (public or private), as applicable. The amount may be subject matter of several invoices, agreements, etc to the same beneficiary.

Note: For the payment orders in foreign currency, as well as for the payment orders in RON on the territory of Romania, the amount of which is equal to or higher than EUR 50,000 or equivalent on the payment date, ordered by a resident Client to a non-resident one, the resident Client shall fill-in and submit to the Bank the External Payment Order/Declaration (DPE) within maximum 10 calendar days as of the date the payment is made.

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3.4.3. Invoice payment.

This function allows you to pay various invoices for utilities, insurance policies etc. to the suppliers with accounts opened with Raiffeisen Bank.

The first screen to be displayed is the screen for inserting the data of the respective payment. The following fields must be filled-in:

Choose a template for this transaction: you can choose a template from the expanding list among those created by your user for this type of transaction

From account: the account of the company from which you want the payment to be made

Supplier: from an expanding list you will select the supplier to which you want to make the payment and depending on the chosen supplier certain details will be requested that you must fill-in with the data on the payment document/invoice

Paid amount: due amount on the payment document

Payment date: current date

Order number of payment: assign an order number to keep track of the payments made by Raiffeisen Online.

Create New Template – by ticking this box a new field will be automatically displayed, "Template Name", and starting with this date the inserted data may be saved as template by accessing the "Save Template" button.

The confirmation screen summarizes the details of the transaction and requests the insertion of Authorization Code after the information is checked. If the information is correct, you must press Confirm to make the transaction.
For certain suppliers the application calculates a payment confirmation code.

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4. Client services

4.1. Change of user name

This option allows you to change the User Code applied when signing in to Raiffeisen Online Service. The change is implemented and becomes valid immediately. Thus, after making the change and leaving the application, you may sign in using the new User Code. Such code must have 8-12 alphanumeric characters and at least one letter and one figure.

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4.2. Change of e-mail address

By this operation you can change the e-mail address that you provided to the bank upon execution of the agreement. The change is implemented and becomes valid immediately.

You must insert the new e-mail address and press Submit.

The change is implemented and becomes valid immediately.

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4.3. Account nicknames

This function allows you to set a name for each account to be displayed in the option My Portfolio. This facility helps you to identify and distinguish more easily your accounts without being required to remember account numbers. You must insert the name of the account in the Alias section and press Confirm.

Using this option, you can add, view, modify or delete the account names.

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4.4. Management of beneficiaries

4.4.1. Beneficiaries with accounts with Raiffeisen Bank

By means of this function you are able to save in the Raiffeisen Online application the account numbers (the last 10 digits of the IBAN code) of other Raiffeisen Bank clients, to which you frequently transfer money.

When accessing the Intra-banking Payments option (into accounts opened with Raiffeisen Bank) the expanding list of beneficiary accounts will include the accounts of such beneficiaries. Moreover, you can add, view or delete beneficiaries from the existing list.

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4.4.2. Beneficiaries with accounts in RON at other banks

By using this function you are able to save in the Raiffeisen Online application the account numbers in IBAN format of other bank’s clients, to which you frequently transfer money.

If you make transfers to Treasury, you can save here the payment detail called Beneficiary Identifier from the Treasury.

When accessing the option RON Inter-banking Payments (into accounts with other banks) the expanding list of the beneficiary accounts will indicate the accounts of these beneficiaries, together with other payment details (Beneficiary identifier for payments to Treasury).

Moreover, you can add, view, modify or delete beneficiaries from the existing list.

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4.4.3. Beneficiaries with accounts in foreign currency with other banks

This function enables you to save in the Raiffeisen Online application beneficiaries with accounts in foreign currency opened with other banks in Romania or abroad, to which you frequently transfer money.

When accessing the option Inter-banking payments in foreign currency (into accounts with other banks), the expanding list of beneficiary accounts contains the accounts of such beneficiaries, together with other payment details (Beneficiary address/ country, name of beneficiary’s bank, Address of the beneficiary’s bank, Swift Code).

Moreover, you may add, view, change or delete the beneficiaries from the existing list.

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4.5. On-line activity

Raiffeisen Online Service enters in its data base each performed operation and you are able to view:

Your transactions the last 6 months displayed depending on certain selection criteria

Your activity within such service (date and hours when you accessed the service, options you viewed, changed or deleted, etc.)

At the same time, you may save on your computer the Electronic confirmation resulting from a transfer; this way you also have access to these Confirmations after the transactions are completed.

When you perform a transaction, if such transaction is not accompanied by a message indicating the successful performance thereof, by accessing this function you can check whether the transaction is processed or not. You may contact the bank at the telephone numbers for additional information.

Between 10:00 p.m. – 8:00 a.m., payments made by Raiffeisen Online will not debit the client’s account. On this menu, these transactions appear with the status “Sent to the bank”.

If a payment is posted by the bank by debiting the account, its status in the online Activity is Finalized, and the electronic Confirmation attesting the successful finalization of the relevant payment will be found next to the payment information. You may check whether the transaction was made in the transaction history in “My Portfolio”.

If a payment is not posted by the bank, its status in the online Activity is updated to Rejected, the error message attesting the cause of the rejection being shown next to the payment information.

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4.6. Raiffeisen Online Help - Raiffeisen Online User’s Guide

By using this option you will access the Raiffeisen Online Service User’s Guide.

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4.7. Manage Templates

Via this function, you have the possibility to create a new template, to modify the payment details for an existing payment, activate a template in order to be used from Raiffeisen Smart Mobile ( provided the fact that you have activated previously this service) and also delete a template.

When accessing this page, the following fields will be displayed:

Option : - please select from the drop-down list the action that you want to perform. The default value selected when opening this page is Active templates. The other options available for selection are the following:

Create transfer own template

Create intrabank payments template

Create bill payment template

Create foreign exchange template

Create interbank payments template

Create international payments template

Create RAM Online template

Furtheron, the field displayed on the page will be adjusted accordingly, depending on the action selected in the above mentioned list.

In the case the option selected is Active Templates, the screen will present you all payment templates that you have defined within the application during your on-line activity and that you have kept active (you haven’t proceeded with their deletion). In the case that you got Raiffeisen Smart Mobile service active, for an easier filtering of the information displayed on the screen, you can use the option described below:

Show Mobile Templates only: if you want to  be displayed only the payment templates activated for Raiffeisen Smart Mobile, please select the checkbox corresponding to this field. De-selecting the dedicated checkbox will bring again on the page all he payment templates, cancelling the previous selection referring to the display of  the payments templates available to use via Raiffeisen Smart Mobile only.

The screen will present you the active templates, split by payment types ( eg: Intrabank payment, Bill payment, etc), with the following available details/actions:

• Name: - the field displays the name under which you have saved the respective payment template;
• From : - debited account;
• To: - credited (beneficiary's account):
• Manage-by the use of this link, you will be redirected to a new page, where you will have the possibility to modify the payment details corresponding to the respective template or to perform its deletion;
• In case you have previously activated Raiffeisen Smart Mobile service, at the level of each template, the following additional field will be available (including their modification):
• Mobile Available – provided the fact that the respective template is already available for Raiffeisen Smart Mobile, the dedicated checkbox is selected; for the activation/inactivation of a payment template in order to be used via Smart Mobile, please select/de-select the corresponding checkbox;
• Max limit – if the maximum limit checkbox is selected, then the field presenting the transactioning limit for the respective template, namely Limit (LEI), will be automatically populated with the maximum limit defined by the Bank for the respective type of payment, for Mobile Banking channel.
• Limit (LEI) – if you do not want to apply the maximum limit established by the Bank, in this field, you will have the possibility to input manually a limit established by you, for the usage of that respective template via Raiffeisen Smart Mobile service. For security reasons, the value input must be lower or equal with the maximum limit defined by the Bank for the respective type of transaction for Mobile Banking channel. This field is mandatory when activating a payment template in order to be able to be used via Raiffeisen Smart Mobile, each time that template has as beneficiary’s account a third party’s account.

Note: For the templates corresponding to own accounts transfer and foreign exchange, it is not necessary to define a transactioning limit for Raiffeisen Smart Mobile. For these two types of payments, at the level of the templates, the maximum limit available at the Bank level, valid for each of the two operations, will be automatically applied.

In the case that you have brought a modification at the level of the templates that you have already defined via this page, afterwards it is necessary to press the button Save. You will be immediately notified with respect to the successful finalization of saving the modifications. If the modification you have made refers to the activation of a certain intrabank or RON interbank payment, in order to be used via Raiffeisen Smart Mobile service, then you will be asked to authorize the operation with the help of card-reader, in a manner absolutely identical to performing a payment of that specific type via Raiffeisen Online.

After inputting the authorization code generated by the card-reader device, please press the button Confirm, in order to finalize the action. If you want to go back to the previous screen, then it is necessary to press the button Cancel.

In the same time, in order to perform various modifications at the level of a payment template or in order to delete it, you can use the link Manage, placed on the screen next to each existing template. In such a situation, you will be redirected to a new page, where all the data you have previously input corresponding to that respective template will be presented to you, of course, depending on that specific type of payment: From account, To account, payment details, beneficiary’s name, the number of the payment order, template name, etc. You will have thus the possibility to modify any information you want from the level of that specific template, by editing the fields displayed on the screen. Afterwards, for saving the modifications you have performed, please press the button Modify Selected. When the modification involves the change of the beneficiary account for an intrabank or RON interbank transfer, active for Raiffeisen Smart Mobile service, then you will be again asked for the authorization of the transaction with the help of card-reader. In this case, please press the button Confirm, in order to finalize the action. If you and to go back to the previous screen, please press the button Cancel.

In order to delete that specific payment template, please action the button Delete Selected.

You will immediately receive a message that will inform you with respect to the successful finalization of your action.

When selecting any of the options in the available list, for creating a new template (Create transfer own template, Create intrabank payments template, Create bill payment template, etc), you will be redirected to a new page, where you will be asked to input where all the necessary information for the creation of a new template, depending, of course, on that specific type of payment. You have the possibility to decide for activating a certain template for Raiffeisen Smart Mobile service, just form the moment of its creation, in which case you have to fill in/use the additional fields in a manner similar to the one described above: Max limit, Limit (LEI). Also, creating a payment template that has the checkbox corresponding to the field Mobile Available selected, you will be asked for card-reader authorization.

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5. Limits of using Raiffeisen Online

In order to use Raiffeisen Online more safely, the Bank set-up certain limits concerning both the use of Raiffeisen Online and the transactions carried out. These limits are as follows:

The maximum number of incorrect sign-in attempts after which the client’s access is blocked is 3

The number of days of validity of the password is 100

The client is informed 5 days before the expiry that he/she must change his/her password

The inactive period of a client before being disconnected from the Raiffeisen Online application is 15 minutes

The daily limit for currency swaps is RON 68,000 (equivalent)

The limit per transaction for currency swaps is RON 34,000 (equivalent)

The daily limit for transfers is RON 50, 000 (equivalent)

The limit per transaction for intra-banking transfers (RON/foreign currency) is RON 30,000 (equivalent)

The limit per transaction for inter-banking transfers is RON 30,000

The limit per transaction for inter-banking transfers in foreign currency is RON 30,000

The values above may be updated periodically by the Bank.

The clients that wish to transact amounts exceeding the values above, may request on the phone the change of the limits for the use of the Raiffeisen Online service by calling the Call-Center at 021/ 306.55.55 or 021/ 306.55.56 ; the limits requested by the client are to be modified only after their approval by the Bank.

Attention: The transaction limit for currency swaps by means of Raiffeisen Online Service cannot be changed.

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