Is mobility important to you?

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1 Is mobility important to you? m-zaba BUSINESS BANKING m-zaba gives you freedom. Welcome to

2 Instructions for Use of m-zaba m-zaba Mobile Banking for Business Entities Mobile banking is certainly the simplest and fastest way to handle your finances. While you are on a business trip or having a cup of coffee, perhaps somewhere on vacation and you urgently need to check your account balance, see if you have received a payment, pay your bills... m-zaba enables you to bring your rapid pace of life into line with your dealings with the Bank anytime and anywhere. BY USING m-zaba YOU CAN: check account balances and activities - of your transaction accounts and time deposit accounts - of your units in ZB Invest funds get information on the amount of overdraft and its validity period get information on the number and You can use amount of notified payment orders m-zaba in (payment orders with future execution English. date)

3 get information on the number and amount of payment orders pending execution enter a payment order in HRK within the allowed daily limit pay bills by scaning the data with your mobile device camera (m-photo pay) pay the bills with amounts higher than the daily m-zaba limit send the confirmation of executed payment order to an address of your choice use the templates, previously created via m-zaba or e-zaba order archive transaction account statements order monthly reports on transaction account balance and activities review the unit prices of ZB Invest funds check exchange rate list get contact information name nad surname, telephone number and address of your business relationship manager, other information for your contact with the Bank (important telephone numbers and addresses, e.g. m-zaba and e-zaba help desk, lost/stolen card reporting). m-zaba is available on all mobile networks and at any place from where you can establish communication by your mobile phone. ALL YOU NEED IS A MOBILE DEVICE THAT HAS: ios operating system, version 5.0. or higher Android operating system, version 2.3. or higher Windows operating system, version 8.0. or higher any other operating system that supports Java application (J2ME) and enough available memory to store the m-zaba application access to internet from mobile device.

4 m-zaba IS SECURE it shuts down automatically after being idle for three minutes it locks automatically after multiple consecutive attempts to enter a wrong PIN the data related to accounts and PIN are not kept in the mobile device by downloading m-zaba into the mobile device, software token ensuring complete security is also installed. While using the service, minimum amount of data is transferred, thus your internet costs are reduced to the minimum. Data traffic is charged according to the amount of the data transferred and does not depend on the time of connection. Loss or theft of your mobile device should be reported on 01/ In case of loss or theft of your mobile device, your m-zaba is still secure because the finder does not know your PIN for access to m-zaba. Just like with your USB Key, e-zaba card or other cards, you should keep your PIN secret. Do not disclose it or make it available to other persons. CONTRACTING m-zaba When contracting m-zaba, in order to get an application version that is required for the mobile device you use, it is neccessary to carefully select the model of the mobile device. If you are not sure, you can find the information about the model on the body of your mobile device, underneath the battery.

5 Follow 4 simple steps and put the Bank into you pocket! Contract m-zaba. You can contract m-zaba with your relationship manager. Store m-zaba into the mobile device. After contracting, an SMS message containing the link for download of m-zaba application is sent to your mobile device. Open the SMS message and confirm m-zaba download. With most mobile devices, m-zaba will be stored automatically on the location where other applications are stored. Take the identification key and activation key. The identification key and activation key are personal 8-digit identification numbers. They are used for the activation of m-zaba. When contracting m-zaba with your relationship manager, immediately ask for the activation key to be sent to you by SMS. The message with the activation key will be delivered to your mobile device within a few seconds, whereas the identification key will be sent to your address. Start m-zaba. At first log-in it is necessary to enter identification and activation key. After entering identification and activation key, it is necessary to enter and confirm a PIN which you will use for future log-in into m-zaba. You create the PIN yourself, it is known only to you and we recommend that you keep it secret. In case of change of mobile device or deletion of the application from a mobile device, contact your relationship manager and request the re-distribution of the application.

6 After the re-distribution, the procedure is the same as when contracting m-zaba. THE USE OF m-zaba The initial screen displays the basic options of the menu, within which you can choose the desired service. If the service is not agreed upon, it is still displayed on the menu, but its use is disabled. Moving through m-zaba is simple, you move through the menus by using the following keys: The left or Back Key back to the previous menu or screen The right or enter or Select Key move to the following screen up previous items of the menu down next item of the menu For faster access to the desired parts of the menu, select the ordinal number in front of the service name. The use of m-zaba on mobile devices with touch screen is completely adjusted to such devices, so choosing the menu options and fields to enter the data is made by touching the screen. The appearance of the main menu depends on whether you have agreed to use m-zaba for one or several companies. After you have selected the company, the screen will appear in which you select the functionality you want to use.

7 ACCOUNT BALANCE AND OVERVIEW OF ACCOUNT ACTIVITY Using m-zaba you can get information on account balance of your transaction accounts or time deposit accounts. By selecting Transactions a screen will appear in which you need to select an account. After selecting the account, you need to select the search criteria transaction type (all, credit and/or debit), transaction amount, payee s IBAN, payee s name, date or period. PAYMENT ORDER ENTRY By selecting Payments, you can make payment orders in HRK in favour of payee s account within the Bank or in favour of payee s account ouside the Bank, with current execution date or future execution date (up to 60 days in advance), select the type of execution (by NKS or HSVP), up to the amount of the allowed daily limit. After selecting the account from which you want to make the payment or fund transfer, you need to fill out the payment order. After payment order completion, the entered data can be changed by returning to the previous screen. If all the data on the payment order are correct, the Bank will receive the payment order, ask for the confirmation once again and execute the payment order. You can execute the payment order immediately by

8 selecting Yes or leave it to be executed at a later time (by using the Payment list options, payment orders with status Received ). After successful payment order execution, the respective message will be displayed. WITH e-zaba AND m-zaba EVERYTHING IS SIMPLER AND EASIER! Payment orders prepared in e-zaba can be executed via m-zaba. If, at the same time, you have e-zaba authorization for payment order signing and m-zaba payment order authorization, payment orders prepared in e-zaba on your behalf or on behalf of e-zaba user with payment order entry authorization, can be executed via m-zaba. Using m-zaba you can execute e-zaba payment orders without limitation as to the amount of a particular order, which enables execution of orders with amounts higher than the daily m-zaba limit. HOW CAN YOU EXECUTE PAYMENT ORDERS ENTERED IN e-zaba? In the m-zaba menu Payments select e-zaba payment list and search criteria to get a list of payment orders. Execution of payment orders entered in e-zaba via m-zaba does not decrease the m-zaba daily limit. When sending payment orders for execution via m-zaba, data on payment orders cannot be changed. Payment order execution depends on payment order status and the number of e-zaba signatories.

9 Number of e-zaba signatories One signatory Two signatories e-zaba payment order status Received you can execute or recall payment order via m-zaba. Signed payment order cannot be executed via m-zaba (you should send it for execution via e-zaba). Received you can execute or recall payment order via m-zaba. Signed payment order via m-zaba can be executed by m-zaba Authorized person different from e-zaba Authorized person who signed the payment order in e-zaba. Verified payment order cannot be executed via m-zaba (you should send it for execution via e-zaba). HOW TO SAVE EXECUTED PAYMENT ORDER AS A TEMPLATE? In order to facilliate the use and significantly reduce the time necessary to enter a payment order, we recommend you to use the templates. You can create your own base of templates in m-zaba or you can use the templates you have previously saved in e-zaba. CREATION OF TEMPLATES IN m-zaba You can create a new template from an executed payment order. After the payment order has been executed, Save as template? option will be offered. After selecting Yes, The saved template the screen will appear in will also be available which it is necessary to enter to you via e-zaba. the name of the template and confirm saving.

10 THE USE OF PREVIOUSLY SAVED TEMPLATES In m-zaba you can use the templates that you have previously saved via m-zaba or e-zaba. Within the menu Payments, you can use the saved templates by selecting Templates option. OVERVIEW OF PAYMENT ORDERS Payment orders can be searched by: statuses amount payee s IBAN payee s name date. By selecting any of the above criteria, you will get a list of payment orders. Select the payment order from the list to view the details of payment order. By selecting Payments option, you can use the displayed order to create a new payment order You can recall recall the payment order (only for payment orders payment orders in announced, made not only pending for execution and via m-zaba, but received statuses) or also via other send the confirmation of executed channels (e.g. payment order to an address e-zaba, at a Bank of your choice (only for payment branch). orders in executed status). By selecting Confirmation option, a screen will appear in which is necessary to enter the address to which the Bank will send you the Confirmation of executed order. The Bank sends the Confirmation of executed payment order from its official address potvrda@unicreditgroup.zaba.hr

11 The Confirmation of executed payment order is electronically signed by the Bank. Sending of Confirmation by is subject to a fee pursuant to the Decision on the Services Tariff of Zagrebačka banka d.d. DAILY LIMIT The available amount of the daily limit is reduced by payment order execution and increased by payment order recalling (only when the entry date is equal to the payment order recall date). mdoc If you use e-zaba business banking, you can order transaction account statements and monthly reports on transaction account balance and activities by m-zaba and these will be available to you via e-zaba. ADJUST THE USE OF m-zaba TO YOUR NEEDS AND HABITS Within the menu Settings, besides PIN change and language selection (Croatian or English), you can adjust the use of m-zaba to your needs and habits. m-zaba, Zagrebačka banka s mobile banking service, enables you to deal with the Bank using your mobile device, anytime and anywhere, regardless of the mobile operator. CONTACT US m-zaba information: , zaba@unicreditgroup.zaba.hr Assistance: 01/ , m-zaba@unicreditgroup.zaba.hr Reporting of lost/stolen mobile device: 01 /

12 O40403 FEBRUARY TOLL-FREE NUMBER ADDRESS INTERNET ADDRESS Life is full of ups and downs. We re there for both. Welcome to