CitiDirect Online BankingTablet accessCitiServiceCitiDirect HelpDeskPhone No. 0 801-343-978, 48 (22) 690-15-21Monday - Friday 8.00 – [email protected]

Table of Contents1.Introduction . 3Available languages of the app . 3Technical requirements . 3Download and installation . 4Login . 6Home Page . 82.Navigation in the map view . 103.Navigation in the chart view . 12Switching between map view and chart view . 124.Filtering accounts in the chart view . 14Filtering by account balance range . 14Filtering by country . 15Filtering by currencies . 16Filtering by counterparty (banks) . 17Applying multiple filters . 185.Authorizing/releasing payments . 19Individual payments – release/authorization . 20Individual payments – sending payments to repair . 21Batch payments. 21Deleting batches. 226.Logout. 232

1. IntroductionCitiDirect BE Tablet is a new channel extension of CitiDirect BE introduced to facilitate the Users’everyday work in CitiDirect. It allows the Users to connect to CitiDirect via mobile application installed onselect tablets. Addressed to the institutional Clients, CitiDirect BE Tablet assists with the control over thecompany’s finances on the current basis, offering visualizations of data related to the balance availableon the Client’s accounts. The application provides an easy access to essential data on the accounts andwas designed especially to meet the needs of the CitiDirect BE Users at the senior level.Access to CitiDirect via CitiDirect BE Tablet application enables the User to:- authorize and release payments- authorize and release batch payments- send payments to repair- view current account balances- access interactive visualisations of account balances (presented as maps and charts)- filter the view of accounts using Account Balance, Country, Currency and Counterparty (banks) assearch criteria- further personalize the viewed dataNote: While using CitiDirect via CitiDirect BE Tablet application the Users will retain the sameentitlements which were previously assigned to them in the CitiDirect system, e.g. after being grantedaccess to CitiDirect via the Tablet application, the User previously entitled to Authorize and Releasepayments in CitiDirect will still be entitled to Authorize and Release payments in the CitiDirect BE Tabletapplication.Available languages of the app:Polish, English, French, Spanish, Portuguese, Russian, Czech, Chinese (traditional and simplified).Technical requirementsTo ensure correct launching and optimal performance of the app, we recommend:iOS tablets: iOS 8 or higher.Windows tablets: Windows 8 or higher. In particular we recommend usage on the Surface Pro tablets.Android tablets: Android 4.3 (Jelly Bean) or higher, 7-inch (or larger) tablet screen size and at least 2 GBRAM. In particular we recommend usage on tablets with ARM processor such as Google Nexus 7;Samsung Galaxy Tab 3, 7”; Google Nexus 10; Samsung Galaxy Tab, 10.1; Sony Xperia Z 10.1.Note: In case the recommended requirements are not met, download and launching of the applicationmight be impossible, or issues with correct performance or displaying of data may occur.3

Download and installationIf you already are a CitiDirect User, you are also entitled to access CitiDirect on tablet. Downloading andinstalling the CitiDirect BE Tablet application is very easy. Just follow the steps outlined below:Step 1:Check if your tablet meets the minimum requirements specified above. Open Google Play, WindowsStore or App Store on your tablet (in case of App Store please make sure that the iPad application’stoggle button is selected at the top of the page). Then search for “CitiDirect BE”.Step 2:Installing the app on iPad (App Store):When the application icon appears, tap on the “Free” icon; it will become green and the text will changeto “Install App”. After you tap the icon again, the app will begin to download.Make sure that you have toggledthe iPad application button.Type CitiDirect BEinto the search.Tap the ”Free” icon toinstall the application.4

Installing the app on tablets with Android operating system (Google Play):When the application icon appears, tap on the “Install” icon and then allow the app to access internetconnection.Installing the app on tablets with Windows operating system (Windows Store):When the application icon appears, tap on the “Install” icon on the left and then allow the app to accessinternet connection.Search for theCitiDirect BE app5

Step 3:Open the installed application and log in using your SafeWord card in the same way you would do itwhile logging into CitiDirect. Now you can begin your work in the app.LoginAfter you run the application for the first time, you will see the screen with Terms and Conditions of usefor the Tablet CitiDirect BE service. To begin using the application you should accept the terms andconditions with the Accept button below the text.The screen with terms of use will appear only once. When the terms and conditions are accepted, youwill be taken to the login screen.6

Just as you would do whilelogging into portal CitiDirectBE from your computer, typethe serial number of yourSafeWord card into thisfield. After you tap Continue,a code will appear. Enter thiscode into your card.PLEASE NOTE:A code consisting of eight digits will appearon the login page.After you turn the SafeWord card on andenter your PIN number into it, you need tofirst press number 9 on the card and onlythen enter the code from the “Challenge”field on the iPad’s screen into it.Enter the new code generated by the cardinto the ”Response” field on the login screenand tap Submit.7

Home PageAfter you log into the application the home page screen will appear.The Home Page screen will differ depending on the number of accounts to which the User is entitled. Forexample, if the User is entitled only to the accounts in Poland, the view of the world map will be replaced by theview presented below:8

In order to illustrate the full functionality of Tablet CitiDirect BE application in this User Manual we used anexample of a User entitled to accounts in many different Citi branches across the globe. Presented below is thebasic information about the elements visible on the Home Page - a detailed description can be found in the furtherpart of the hereby User Manual.Settings menu enables logout fromthe application.Below the Client Profile Name areas follows: base currency of theClient Profile, total balance on allaccounts (M stands for thousands,MM for millions) and total numberof accounts to which the User isentitled.Number of payments and lists ofpayments pending authorizationand release. Tapping this buttonwill take you to the paymentmanagement screen.Tapping thisbuttonswitches thescreen betweenmap view andchart view.Name of theClient Profile inCitiDirect.Information aboutdifferent types ofbalance. The typeof balancehighlighted inyellow is the onecurrently selected.Selecting aregion from thisbar enables youto display theview of particulargeographicregion.Account view filtersTap here tochange the type ofbalance displayed.9

2. Navigation in the map viewDepending on whether the User is entitled to view accounts in different countries, the home page will be displayedas the map of a country, region or the world. Users with world map view of the home page can tap on the map togo to the view of selected region and country. In the same way, Users with region view as default home page cantap the location on the map to view selected country. Presented below is the example of navigating the differentviews (world - region - country).Number of accountsand total balance on allaccounts to which theUser is entitled.Number of accountsand total balance onaccounts available forthe selected region.Number of accountsand total balance onaccounts limited toseveral countries inthe Baltic area.Number of accountsand total balance onaccounts available inPoland.10

Additionally it is possible to select the type of displayed balance (current ledger, opening ledger, current available,opening available) from the bar at the bottom of the screen, as presented below:After the balance type menu button is tapped, the application view will switch from map to chart view in order topresent the information about the balance on the accounts and how it changes depending on which balance type isselected. To return to the map view after you select the balance type, tap the balance type menu button again ortap the View Map button.orAs a rule, return from a more detailed view (e.g. view of a country) to the more general view (e.g. view of theworld or region) is possible by tapping ”Global” button or button corresponding to a given region or country inthe left upper corner of the screen.The view of a particular region or country can also be accessed directly from that very upper menu. If the countryyou’re looking for is not on the list, it’s enough to swipe your finger to the left to scroll the list.11

3. Navigation in the chart viewSwitching between map view and chart viewThe map view shows information about total balance on all accounts and the number of accounts available in thearea that is currently being viewed.On each level of the view (world - geographical area - region - country) you can switch between the map viewand the chart view. In the chart view the columns signify balances available on particular accounts available on thecurrent level.To switch between the views, simply tap on the button in the right lower corner of the application:Examples of switching the view from map to chart for the entire world (1) and for a country (2):The chart in redmeans a negativebalance on thisaccount.If some of the accounts available on the viewed level didn’t fit on the screen, just swipe to the left with yourfinger to scroll further.12

The default chart view sorts the accounts by their numbers but the sorting may be easily changed by tapping theicon on the toggle menu. To return to sorting by account numbers tap theicon.If you tap a column corresponding to a particular account on a chart, you can display information about thataccount.Note: The letter M next to the balance amounts means thousands designated in base currency of the Client’sProfile in CitiDirect. MM means millions designated in that currency.13

4. Filtering accounts in the chart viewThe account search menu available at the bottom of the page enables quick finding of accounts in a particularcurrency, country or in the specified balance range.To apply a filter of your choosing, tap it and set the desired criteria.Filtering by account balance rangeAfter the ‘Account Balance’ button is tapped, you can filter the accounts by particular balance range.On the example below, the User has chosen to search for account with balance ranging from 0 to 21 thousand USD(the base currency of the Client Profile in CitiDirect).To search foraccounts withselected balancerange, tap Apply.14

To apply selected range as a filter, tap on ‘Apply’. When the range is applied, it will become one of the searchcriteria and join other currently set filters in form of one of blue rectangles at the bottom of the screen.The balance rangefrom 0 – 21 thousandsof the base currencyhas been added to thesearch criteria.Filtering by countryOne of the search options is to filter the accounts by the name of country they are maintained in. This criterionallows the User to quickly find accounts available in the particular country or countries. The selected country(ies)will be displayed in blue rectangles at the bottom of the screen.15

Filtering by currenciesAfter selecting the ‘Currency’ option, you can filter accounts by particular currencies. It can be a single currency orseveral currencies at once. Choose them from the menu below by tapping on them.For example, selecting EUR from the list of available currencies will highlight the accounts maintained in Euro andgray out the accounts in other currencies available on that level of view.The currencies selected from the list as search criteriawill be displayed in blue rectangles at the bottom of thescreen.If you are in the world view or region view, where instead of balance on individual accounts each columnrepresents the aggregate sum of balances on all accounts in given geographical location - appropriate portions ofthe column will be highlighted to designate what part of the funds in a particular country is designated in theselected currency.After the currency filter is applied only those proportions of balances whichmeet the search criteria will remain highlighted, e.g. the first column on thechart informs that there is a total of 230 thousand USD available on all theaccounts in Egypt – held in EUR currency.16

It is possible to select more than one currency as your search criteria.To delete a currency from the filtering criteria tap it again on the list of available currencies or the list of selectedcurrencies at the bottom of the screen. If you want to remove all the selected search criteria, tap on “Clear All”.Filtering by counterparty (banks)For Clients with activated Infopool service (information about accounts held with third party banks) the last tab onthe filter bars – „Counterparty” enables filtering of the account balances by the banks where those accounts areheld. Multiple banks can be added to the filter criteria at the same time.Clients without the Infopool service will see only one option under this tab, namely – „CITI”.17

Applying multiple filtersIt is possible to apply multiple filters at once. Presented in the example below are the search results for accountsmaintained in EUR, RUB or USD currencies, which have the balance between 0 and 27 thousand of the basecurrency units (here: USD), available for three selected countries.18

5. Authorizing/releasing paymentsThe Tablet application allows authorizing and release of payments. The process of authorization and release ofpayments is managed in the same way and the application screens of these two functions are identical. Illustratedbelow is the process of authorizing payments (releasing payments follows the same pattern).In order to go to the Authorization/Release module of the application simply tap on the payment list icon in theupper right corner of the screen:After you tap the icon, the list of payments will appear:Tap on the arrowif you wish to leavethe paymentsmanagement viewand return to theprevious screen.Until at least oneof the paymentsfrom the list isselected, theAuthorization (orRelease – on thepayments releasescreen) buttonswill remaininactive.The default screen which opens first is the Authorization of individual payments. To move to the screens enablingRelease of individual payments, Batch Authorization and Batch Release, tap the appropriate buttons on the togglemenu at the top of the screen:19

Individual payments – release/authorizationTo display payment details - just tap the selected payment.To authorize/release one or more payments from the list, simply select them on the list by ticking the appropriatecheckboxes. When the payments are selected, tap Authorize (or Release if you are on the payments releasescreen). You can also send the selected payments to repair by tapping on Send to Repair.Note:Ticking this topmostcheckbox will resultin selecting ALLpayments on the list.Select the paymentsyou wish to authorize(or release, if you areon the release screen)or send to repair byticking thecorrespondingcheckboxes on the list.When the authorization/release confirmation window appears, tap Confirm to confirm or Cancel to cancel theauthorization/release of the payment:20

Individual payments – sending payments to repairIf you decide to send a payment to repair and tap ‘Send do Repair’ button, a new screen will appear asking you toselect the reason why the payment should be corrected. After you select the reason, tap the Confirm button:Select suitablereason from thelist and tapConfirm.Batch paymentsIt is also possible to send batch payments from the application. To do that, go to the appropriate screen by tappingon the Authorize Batch or Release Batch buttons from the menu in the upper part of the screen:The below screen will appear (the Batch Authorization screen has been used in this example):In this column youcan find out of howmany individualpayments theparticular batch iscomprised.21

Authorization/Release of payment batches is similar to that of individual payments. After you select one or morebatches from the list tap on Authorize of Release and then confirm with the Confirm button:Deleting batchesTablet Application enables the User to delete payment batches, which have been previously created in the baseversion of the CitiDirect system available at Selected batches can be deleted byselecting Delete option and then confirming the deletion by tapping Confirm.22

6. LogoutTo log out from the application, tap the bullet list icon in the left upper corner of the Home Page.When the icon is tapped, a list of options will appear. Select Logout to log out from the application.Tap Logout tolog out from theapplication.This material has been published solely for information purposes and it does not constitute an offer within the meaning of Article 66 of the Polish Civil Code.Bank Handlowy in Warsaw S.A. with its registered office in Warsaw, ul. Senatorska 16, 00-923 Warsaw, entered into the Register of Entrepreneurs of the National CourtRegister by the District Court for the Capital City of Warsaw in Warsaw, 12th Commercial Division of the National Court Register, under no. KRS 000 000 1538; NIP 526-03002-91; share capital of PLN 522,638,400, fully paid up.Citi Handlowy and CitiDirect are registered trademarks of Citigroup Inc. entities.23