DIGIPASS 550 (a digital signature-generating device) User Manual

Dear AS "PrivatBank" Customers!

Our bank offers a digital signature-generating device DIGIPASS 550 for you to operate your account and receive your account status information. DIGIPASS 550 is a small business card-sized electronic device, except for usual calculator keys having also the following functional keys: I, S and . These keys are used for the following functions: To generate identification code for phone conversation (Key I- identification); To generate your digital signature for your orders (Key S Signature); - To delete an incorrectly entered character (Key C Cancel).

Please, study this manual carefully! Keep in mind, that in case of unauthorized actions this device may be blocked. If you have any questions concerning the device, please, contact your manager at the bank.
If the device is lost, stolen or damaged, please, notify your manager to block the device. USEFUL INFORMATION ON DIGIPASS To switch DIGIPASS on, press . Repeatedly pressing this key (after 2 seconds) will switch the device off. DIGIPASS is switched off automatically, if you dont perform any activities for 30 or 40 seconds. All functions of DIGIPASS are enabled after entering the 5-digit PIN code. The initial PIN code is delivered to the customer together with DIGIPASS and must be replaced with the clients own PIN code (as described in section 1). Generated identification codes and signatures are non-predictable and non-recurrent and depend on time and serial number of the device. The value of the generated code cannot be used repeatedly at the bank after it has been checked. If DIGIPASS is made available to third parties, DIGIPASS memory is deleted after three failures to enter the PIN code correctly. A lithium battery with 2-3 y. work capacity is used in DIGIPASS (the capacity depends on the frequency of usage). Please, contact the bank to change the device once the battery is low. DIGIPASS supports four interface languages English, Russian, Latvian and German, depending on your preferences. HOW TO USE DIGIPASS?

What has to be done upon the receipt of the device? How to change the interface language?

Section 1. Entering the initial PIN-code and replacing it with the clients PIN-code

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Section 2. Changing the interface language How to get your account status information by phone?

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Section 3. Obtaining account status information Section 4. Sending documents to the bank Sub-sections: 4.1. Generating digital signature for payment orders 4.2. Generating digital signature for conversion 4.3. Generating digital signature for cash withdrawal 4.4. Generating digital signature for free format messages Section 5. Replacing PIN-code

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How to sign the documents I send to the bank?

How to modify PIN code?

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1.

ENTERING THE INITIAL PIN-CODE AND REPLACING IT WITH THE CLIENTS PIN-CODE

You can only use DIGIPASS after the initial, original PIN-code has been replaced by your own PIN-code. Before you start, choose five digits for your new PIN-code. The PIN-code youve invented (5 digits) is your access code to all functions of the device. Please, keep it secret! To change the initial PIN-code, follow the following sequence of actions: OPERATIONS DISPLAY MESSAGE 1 Press 2 Press I INIT PIN

NOTES This message proves that nobody has ever worked with this calculating device before. Delivered to You by the banks manager

3 4 5

Enter 5 digits of the initial PINcode Press = Enter your new PIN-code (5 numbers) Press =

***** NEW PIN? ***** CONFIRM PIN: or WEAK PIN followed by PIN?

Attention: here you enter your own, new PIN-code Go to steps 7 and 8 The message WEAK PIN appears, when PIN-code is poorly protected, from the point of view of DIGIPASS. In that case, start the procedure anew

8 9

Re-enter your PIN-code Press =

***** SELECT I S

This procedure has to be completed only once. From this moment on, you dont use the initial PIN-code anymore, every time the PIN? message is displayed, enter your own PIN-code only! Please, memorize your PIN-code. You can change it anytime, following the instruction described in section 5 of this manual. 2. CHANGING THE INTERFACE LANGUAGE

To switch the interface language to English/Russian, follow this sequence of actions: N 1 2 3 4 OPERATIONS Press Press I (3 times) Press = Press = to confirm transition to another language 3. DISPLAY MESSAGE SELECT I S CHANGE LANG TO RUSSIAN / TO LATVIAN / TO GERMAN ***** NOTES

The device provides consecutive language option

OBTAINING ACCOUNT STATUS INFORMATION

To obtain your account status information by phone, you need to tell the bank manager your account number and identification code generated by your DIGIPASS device. To obtain this code, please, follow the following sequence of actions carefully: N 1 2 3 4 4 OPERATIONS Press Press I (choose identification mode ) Press= Enter 5 digits of your PIN-code Press = DISPLAY MESSAGE SELECT I S IDENTIFY ENTER PIN ***** XXXXXXXX NOTES

8-digit identification code

Name the 8-digit identification code generated by DIGIPASS to the manager. 4. SENDING DOCUMENTS TO THE BANK

Each document sent to the bank (payment or exchange orders, cash withdrawal orders, free format messages) needs to be signed with a digital signature a key generated by DIGIPASS 550 device, indicating the date and time this key has been generated. The key string obtained with the help of DIGIPASS has to be presented on the document as follows: AXX XXXXXXXXXX, where X are digits generated by the device. Each key obtained in the S mode, is shown on the display of the device in two stages: first, the ordinal number of the key as A00, A01, A02,...A99 (the value varies from 00 to 99 in cycles), and after all the values have been entered and = has been pressed, the key string itself as a 10-digit number, for example: 2903759745

GENERATING DIGITAL SIGNATURES FOR PAYMENT ORDERS Attention ! You can enter data into DIGIPASS only after the title of the value you want to enter appears on the display. In order to generate a signature, please, follow the following sequence of actions: OPERATIONS DISPLAY MESSAGE SELECT I S SIGNATURE ENTER PIN ***** AXX PAYER ACC NOTES

1 2 3 4
5 6 7 8 9 10 11 12 13

Press Press S Press = Enter 5 digits of your PIN-code Press = Press = Enter the value (Your transformed IBAN account number) Press = Enter the Currency code value Press = Enter the payment sum value Press = Enter the value (the number of the documents sent to the Bank or the transformed account number of the beneficiary)

Ordinal number See 4.1.1.

CCY CODE AMOUNT BENEF ACC

See 4.1.2. See 4.1.3.

14

Press =

XXXXXXXXXX

The value entered may vary according to the method used to send a payment order to the Bank. see 4.1.4. 10-digit code

All the entered data have to correspond strictly to the data indicated in your payment order (for the banks officials to verify)! If youve made a mistake when entering the data, the last incorrect digit can be deleted by pressing <C>. Or you can switch the device off and, thus, leave the signature-generating mode. NOTES: 4.1.1. Your transformed IBAN account number for the value PAYER ACC is entered as follows: The first 9 characters of Your IBAN account number are omitted, and the last 12 digits are entered. For example: Your IBAN account number
LV80PRTT0265012345600

The transformed IBAN account number

265012345600 (the first 9 characters of your IBAN account number are omitted, and the

last 12 digits are entered).

4.1.2. CURRENCY CODE has to be taken from this table:

AUD (Australian dollar) BYR (Belorussian ruble) CAD (Canadian dollar) CHF (Swiss franc) CZK (Czech krona) DKK (Danish krone) EEK (Estonian krone) EUR (euro) GBP (English pound) 36 JPY (Japanese yen) 112 LTL (Lithuanian lita) 124 LVL (Latvian lat) 756 NOK (Norwegian krone) 203 PLZ (Polish zloty) 280 RUR (Russian rouble) 233 SEK (Swedish krona) 978 UAH (Ukrainian grivna) 826 USD (US dollar) Other currencies 392 440 428 578 616 643 752 804 840 0

4.1.3. The AMOUNT is entered without decimals, i.e. without cents, pence, santims and alike and without roundings. For example: 100.25 you enter only: 100 4.1.4. 1) If payment orders are sent via PrivatOnline or PrivatB@ankNet system the number of the documents sent to the Bank is entered. 2) If a payment order is sent by fax the transformed account number of the beneficiary is entered as follows: If account number contains 12 or less digits (only digits), the whole account number is entered. If account number contains more than 12 characters, only last 12 digits are entered. If beneficiary account number contains non-digit characters (dash, commas, letters, Roman numerals), non-digit characters are omitted, and the remaining number (or last 12 digits of the remaining number) is entered. For example: Beneficiary account No.: 1) 00 099 0000

The transformed beneficiary account No.: 000990000 (less than 12 digits)

2) 111222333444555666777 3) 31A2D2984-589M111

444555666777 (more than 12 digits, last 12 digits are taken to generate the key) 122984589111 (non-digit characters are omitted, last 12 digits are used to generate the key) GENERATING DIGITAL SIGNATURES FOR CONVERSION

The data are entered in the same way as for money transfers. When entering the BENEFICIARY value if the payment order is sent via PrivatOnline or PrivatB@nkNet the number of the documents sent to the Bank is entered. When entering the BENEFICIARY value if the payment order is sent by fax your transformed account number is entered. GENERATING DIGITAL SIGNATURES FOR CASH WITHDRAWAL The data is entered in the same way as for money transfers. When entering the BENEFICIARY value if the payment order is sent via PrivatOnline or PrivatB@nkNet the number of the documents sent to the Bank is entered. When entering the BENEFICIARY value if the payment order is sent by fax the number of the beneficiarys passport or driving licence is indicated, or his personal code (following the rules of beneficiary account number input). GENERATING DIGITAL SIGNATURES FOR FREE FORMAT MESSAGES To obtain signature for free format messages, please, follow the following sequence of actions: OPERATIONS 1 2 3 4 5 6 7 8 9 Press Press S Press = Enter 5 digits of your PIN-code Press = Press = Enter the value (Your transformed IBAN account number) Press = Press = DISPLAY MESSAGE SELECT I S SIGNATURE ENTER PIN ***** AXX PAYER ACC NOTES

Ordinal number

CCY CODE XXXXXXXXXX

10-digit code

5. Follow the following sequence of actions: OPERATIONS 1 2 3 4 5 6 7 Press Press I twice Press = Enter 5 digits of the current PIN-code Press = Enter your new PIN-code Press =

HOW TO CHANGE PIN-CODE

DISPLAY MESSAGE SELECT I S CHANGE PIN ENTER PIN ***** NEW PIN ***** CONFIRM WEAK PIN then NEW PIN?

NOTES

Your PIN-code is entered

The message WEAK PIN appears, if PIN-code is poorly protected, from the point of view of DIGIPASS. In that case, go to step 6

8 9

Re-enter your new PIN-code Press =

***** PIN CHANGED

After that your PIN-code will be changed. Dont forget it!