Online banking introduction

1. What does it cost to use LLB Online Banking?

Registration and use of LLB Online Banking is free of charge. Users of LLB Online Banking benefit from lower prices when making payments in foreign currencies, when sending money out of the country and when placing exchange orders.

User administration – Login

1. How do I sign up?

Click «E-banking Login» in the top right-hand corner of our website www.llb.at. After you enter your user ID and password, a mosaic will appear on the screen. Scan the displayed mosaic with your photoTAN app or using the photoTAN reader. The password is your personal access code that you set the first time you log in.

2. Why do I need the photoTAN app?

You can log in to LLB Online Banking using photoTAN, which provides an innovative and effective method for protecting your information. All you need to do is scan a multicoloured photoTAN mosaic using a personal smartphone or tablet activated for this purpose. You will need the photoTAN app to log in to LLB Online Banking and to approve payments.

3. What do I have to check in the photoTAN app?

Always check the information displayed when logging in and when approving payment in the photoTAN app or on the photoTAN reader. If the details do not match the actions you selected, immediately cancel the login or payment approval.

In case of irregularities during login or payment approval, please contact our Advisory Centre immediately at +43 1 536 16-0 or our Cyber Security Hotline at +43 1 536 16 102 (staffed 24/7) if you encounter problems outside our service hours.

4. What do I need to do if my user ID or photoTAN app is locked?

Please contact our Advisory Centre at +43 1 536 16-0.

5. What should I do if my phone is lost or stolen?

Please contact our Advisory Centre at +43 1 536 16-0.

User administration – User menu

1. Where do I find my messages?

You will find your messages under «My messages» in the menu item «Service».

2. Where do I find my documents?

You will find your documents under «My documents» in the menu item «Service»

3. Where can I order my statement of assets?

You can order your statement of assets by clicking «Online services – Reports and forms» in the menu item «Service».

4. Where can I download incoming payments (ISR or QR) and account or custody account statements?

You can download ISR or QR incoming payments as well as account or custody account statements under «Online services – Downloads» in the menu item «Service».

User administration – Activating mobile device

1. Can I activate a second smartphone or tablet for LLB Online Banking?

Yes. You can activate a second device by following the same process as you did to activate the first one. Details can be found in the activation letter that was originally sent to you.

Trading

1. On which stock exchanges can I trade?

LLB Online Banking shows you the possible stock exchanges for each security. The primary trading venues are listed by default. You can change this manually.

2. At what hours can I trade?

You can use LLB Online Banking 24 hours a day. However, trades on stock exchanges are not processed around the clock. Please consider the exchange trading days, the trading hours on the exchanges in question and the opening hours of our Bank. The exchange orders placed via LLB Online Banking will be processed on bank working days from 8 a.m. to 10 p.m. Exchange orders received after 10 p.m. will be forwarded to the appropriate markets on the next bank working day.

3. Which securities can I trade using LLB Online Banking?

The following securities are currently approved:

• Shares
• Bonds
• Funds
• Warrants

Trading with standardised options and futures is not possible with LLB Online Banking.

4. With exchange orders, what do the various execution types mean?

• Buy / sell: Market order

With a market order, your security is bought or sold at the best possible price irrespective of how high or low the price of the security is.

• Buy: Limit order

With a limit order, a price is set for the purchase of the securities. The buy order is only triggered if the price reaches or is below the limit. The specified limit is the most you will pay.

• Buy: Stop-buy order

You buy the security only if it reaches or exceeds the stop price. If the security reaches the stop price, your buy order will become a market order.

• Buy: Stop-buy-limit order

This offers additional upward safety for the stop price you specify. The buy order will only be executed between the stop price and the upper limit. Specifying this is optional.

• Sale: Limit order

In the case of a limit order, a price is set for the sale of securities. The security is only sold if it reaches or exceeds the limit. You will receive at least the specified limit price.

• Sale: Stop-loss order

You sell the security only if it reaches or is below the stop price. If the security reaches the stop price, your sell order will become a market order.

• Sale: Stop-loss-limit order

This offers additional downward safety for the stop price you specify. The sell order will be executed between the stop price and the lower limit. Specifying this is optional.

5. Can I change an exchange order I have placed?

No, once an exchange order is placed, it can no longer be changed. Please cancel your order and enter a new exchange order. Exchange orders can be cancelled under «Trade» > «My exchange orders» in the menu with the three items. Please note that exchange orders that have already been executed can no longer be cancelled.

6. Why can I not find certain securities on LLB Online Banking?

It may be that you cannot find the securities you are looking for in LLB Online Banking. Please contact your client advisor to open securities or place an order. Placement of an order for this security via LLB Online Banking will only be possible afterwards.

Assets

1. Are my account and portfolio statements up to date?

The account statement shows the current status of your account at the time of your request. The holdings of the portfolio are updated in real time. The securities are valued at the closing price on the last exchange trading day. However, the information is non-binding. You will find definitive and binding information in the account and portfolio statements that we send to you by post or – if you have requested electronic client documents – via LLB Online Banking.

Payments

1. What does BIC / SWIFT mean?

The abbreviation BIC stands for Bank Identifier Code and is necessary for payments abroad. This code unambiguously identifies the recipient bank. The BIC is also known by the term SWIFT code.

2. What does IBAN mean?

The abbreviation IBAN stands for International Bank Account Number and is an international standardised number for bank identification and account number.

3. How do I enter a standing order?

When a payment is entered, you have the option to enter this payment as a standing order in the «Execution» field. Standing orders entered can be viewed and managed under «Payments / My standing orders».

Contact and further questions

The «LLB Online Banking FAQ» is constantly updated. Do you have questions that have not been answered here? Contact us by telephone or send us an e-mail.

If you have any questions about LLB Online Banking, our advisory centre team will be happy to help you – from Monday to Friday at any time from 8 a. m. to 5.30 p. m.

Liechtensteinische Landesbank (Österreich) AG
Heßgasse 1
1010 Vienna
Austria

Telephone +43 1 536 16-0
E-mail llb@llb.at