Pricelist ENGL by 7J190j2Q

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									      BANKSERVICE JSC
Sofia 1612, 41, Tzar Boris III Blvd., tel. +359 (2) 921 51 00
      Email: mail@bsbg.net, web site: www.bsbg.net




        PRICELIST




                   01 July 2008 , Sofia


                                                                1
Table of Contents
GENERAL PROVISIONS ................................................................................................................... 3
PRICES OF SERVICES IN ................................................................................................................. 4
BISERA AND SERVICES USING BISERA ...................................................................................... 4
CHAPTER 1. DEFINITIONS .............................................................................................................. 5
CHAPTER 2. GENERAL PROVISIONS ........................................................................................... 7
CHAPTER 3. PRICE LIST OF SERVICES IN BISERA AND SERVICES USING BISERA .. 11
PRICES FOR PROVISION AND USE OF ELECTRONIC SIGNATURE CERTIFICATES
AND RELATED SERVICES ............................................................................................................. 14
PRICES FOR ISSUANCE AND USE OF CERTIFICATES AND PRICES OF RELATED
SERVICES OFFERED BY THE PROVIDER ................................................................................. 16
PRICES OF INFORMATION SERVICES ...................................................................................... 22
PRICES OF SERVICES PROVIDED BY SSB – SB (SWIFT SERVICE BUREAU –
BANKSERVICE JSC) ........................................................................................................................ 25
PRICES OF SERVICES ..................................................................................................................... 27
IN “EFAKTURA.BG” ........................................................................................................................ 27




                                                                                                                                          2
GENERAL PROVISIONS

1.     The pricelist of BANKSERVICE AD shall apply to all customers in Bulgaria at unified prices
       for all services, except for those in BISERA which are different for banks that are shareholders
       of BANKSERVICE AD and those that are not. The not-shareholder banks shall pay for
       BISERA services in accordance with the pricelist applicable to shareholder banks as of the
       month following the month the share capital was paid in.

2.     The prices of services in the Pricelist are grouped as follows:
       2.1. Prices of services in BISERA and services using BISERA.
       2.2. Prices for issuance and use of certificates and relating services.
       2.3. Prices of information services.
       2.4. Prices of SWIFT-Service Bureau (SSB) services
       2.5. Prices of services in “eFaktura.bg”.

3.     Each chapter contains definition of terms used in the respective chapter of this Pricelist and
       shall be an integral part thereto.

4.     All changes to the Pricelist are subject to approval by the Board of Directors of the company.

5.     The Pricelist contains standard services used broadly provided by the company. Besides them,
       upon assessment of individual needs and requirements of customers, various software projects,
       products and solutions are designed, different information, communication, technological and
       maintenance services are offered, which shall be subject to direct negotiations.

6.     All prices listed in the Pricelist are subject to Value Added Tax (VAT). Only prices of
       services intended for natural persons, such as services for issuance and use of certificates and
       relating services, are with or without VAT added.

This Pricelist was adopted at the Board of Directors’ meeting and shall be effective as of 01 January
2008.




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     PRICES OF SERVICES IN
BISERA AND SERVICES USING BISERA




          01 January 2008, Sofia




                                   4
CHAPTER 1. DEFINITIONS

1.1 “Bank” means local bank or branch of a foreign bank licensed to carry out banking business
within the territory of the Republic of Bulgaria through a branch.
1.2. “Banking addressable unit” (BAE) means head office of a bank, bank branch or another place
where banking services are carried out within the territory of the Republic of Bulgaria.
1.3. “BAE Code” means a code, provided by BNB and representing a sequence of letters and numbers
which univocally defines the respective banking addressable unit within the country.
1.4. “Bank Identification Code” (BIC) means a code provided by S.W.I.F.T. (Society for Worldwide
Inter-bank Financial Telecommunications) to a bank or a non-banking financial institution in
accordance with ISO Standard No. 9362.
1.5. “BISERA” means system servicing customer payments to be settled at a designated time.
1.6. “Value date for RINGS” means the date on which the settlement of a payment order or a system
operator’s order is made.
1.7. “Internal bank transfer” means transfer in the national currency of the Republic of Bulgaria
made between customers of the same bank within the territory of the country.
1.8. “System operator’s settlement request” means an order to RINGS placed by a system operator
in a predefined format, through which settlement accounts are being credited or debited. The
settlement request is a result of multilateral netting of mutual obligations of all participants.
1.9. “Customer transfer” means a transfer whose initiator and/or final recipient is a bank’s customer.
1.10. “Inter bank transfer” means transfer in the national currency of the Republic of Bulgaria
between customers of two different banks within the territory of the country.
1.10. “Order to the payment system” means instruction for transfer of funds and settlement in
compliance with system rules, placed electronically by a payment system participant.
1.11. “Money transfer” (transfer) means transfer of funds in favor of a recipient based on payment
order placed by the drawer and accepted by the bank. The transfer order may be for a credit transfer or
direct debit.
1.12. “RINGS” (Real-time INterbank Gross Settlemenr System – RINGS) means real time gross
settlement system.
1.13. “Settlement” means transfer of funds between accounts held at BNB, called “settlement
accounts”.
1.14. “Electronic Budget Payment System” (SEBRA) means system for monitoring of payments
initiated by participating budget enterprises and management of payments within limits set in advance.
SEBRA is not a payment system within the meaning of Art. 41, para. 1 of the Money Transfers,
Electronic Payment Instruments and Payment Systems Act.
1.15. “System Day” means previously set period of time during which system operators accept and
process transfer orders with value date on the same business day.

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1.16. “Notice from BISERA” means an electronic notice representing a sequence of signs with a
length and syntax as described in Attachment № 1 “Access to and Exchange of Data through
BISERA” to BNB’s Guideline 03-9006.
1.17. “Digital Certificate” means electronic document certifying the correspondence between
electronic signature verification data and the Signatory/Signature Owner of the electronic order, as
well as his identity.




                                                                                                  6
CHAPTER 2. GENERAL PROVISIONS

1. Participants in BISERA are:
(1) the Bulgarian National Bank;
(2) commercial banks
2. Access to BISERA is granted to:
BAE – for transfer/receipt of orders for inter-bank (and, upon decision of the bank, internal bank)
transfers and other bank information.
Banks – for receipt of information about settlement results of orders accepted by BISERA;
Ministry of Finance through SEBRA – for processing of transfer orders for approved payment requests
of public sector enterprises and their transfer to recipients’ BAE;
In order to identify the senders/recipients of information exchanged through BISERA the bank
identification codes (BIC) shall be used, whereas in order to identify the BAE of the sender/recipient –
their respective individual bank codes.


Types of services:
Services proposed through BISERA may be divided in two main groups:
- Services relating to processing of inter bank customer transfers to be settled at a designated time,
referred to as “Services in BISERA”;
- Other services based on the system functionalities referred to as “Services using BISERA”.
3.1. “Services in BISERA”
This group includes the following types of services:
3.1.1. Services for which one-off fees are charged:
3.1.1.1. “Certification of a bank for participation in BISERA” – the service includes:
- organization of a certification test for participation in BISERA;
- issuance of certificate for participation in BISERA;
- issuance of digital certificate for access to BISERA personalized on a smart-card and provision of a
card reader.
3.1.1.2. “Inclusion of any new BAE in BISERA” – the service includes check up of the readiness of
the new BAE to send/receive the information from/to BISERA.
3.1.2. Services for which annual fee is charged:
3.1.2.1. “Annual fee for participation in BISERA – the service includes:
- maintenance of an archive of the information accepted and processed in BISERA for a period of 10
years;
- Help desk
- support of security software for participants’ workstations;


                                                                                                      7
- support of digital certificate for access to BISERA personalized on a smart-card.
3.1.3. Services for which monthly fees are charged:
3.1.3.1. “Execution of inter bank transfers” – this service includes:
- acceptance and processing, with the RINGS value, of customer transfers for amounts provided for in
Art. 35, item 1, letter “a” of Ordinance No. 3;
- in accordance with a predefined schedule, generation and forwarding to RINGS of settlement
requests of the results of recalculation on a multilateral basis of the mutual obligations of system
participants;
- generation of information about the settlement result of transfers made through the system and
sending it out to each system participant.
3.1.3.3. “Transfer of inter bank information” – the service includes:
- acceptance of notices for transfer of information between two banks;
- preparation for receipt of the accepted information;
- archiving and providing for recovery option.
3.1.4. Other services
3.1.4.1. “Statistical information upon customer’s request” – this service envisages extract and
preparation of statistical information on transfers made through BISERA during past periods at the
request of any BISERA participant.
3.1.4.2. “Statistical information relating to any reporting period” – the service provides for a set of
standardized statistical references for the current year relating to each reporting month.
3.1.4.3. “Past date information” the service provides for recovery of archived files (from 5 working
days before the current date up to 10 years ago) and preparation for receipt by BAE.


3.2. “Services using BISERA”
The services in this group are oriented towards information servicing of banks relating to the
transmission of internal bank transfer orders as well as other bank information, processing and
transmission of payment orders initiated through SEBRA, etc. The group includes the following
services:
3.2.1. “Transfer of internal bank information” – the service includes:
        - acceptance of notices for transfer of information between BAE within one bank’s system;
        - preparation for receipt of accepted information;
        - archiving and provision of recovery option.
3.2.2. “Transfer of information to SEBRA” – the service includes:
- acceptance of notices for transfer of information from BAE servicing public entities included in
SEBRA, to SEBRA;
- processing of the accepted information;
- receipt of information about the processing results.

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3.2.3. “Transfer order initiated through SEBRA” – the service includes:
- acceptance of transfer orders initiated through SEBRA;
- processing of the orders accepted for transfer in accordance with provisions of Guideline 01-13006
of BNB and MoF.
- passing the information about processing outcome to BNB, SEBRA and Commercial Banks –
transfer recipients;
3.2.4. “Consultations on BISERA-relating issues and problems”.
4. Principles of measuring the use of services and definition of prices.
4.1. Services offered in BISERA shall be pursuant to a participation contract and shall be paid for in
accordance with this Pricelist.
4.2. Prices of services offered shall be defined by the Board of Directors of Bankservice JSC in
compliance with the full coverage of associated costs principle.
4.3. The measurement of use of services for which monthly fees are charged shall be made based on
automatically counted messages/transactions initiated or received by BAE.
4.4. Measurement of use of “Services in BISERA”.
4.4.1. “Inter bank transfer” service
4.4.1.1. Chargeable to the sender:
a) MT 103 messages, transaction from MT 104 message “Direct Debit Transfer”
b) MT 103 “REMIT” message
4.4.1.2. Chargeable to the recipient:
a) MT 941 message
b) MT 900 message
c) MT 195 message
4.4.2. “Transfer of inter bank information” service
Counted and chargeable to the recipient are MT 192, MT 196, MT 199 messages, transaction from
MT 101 message directed to BISERA, transaction from MT 104 message “Direct Debit Request”,
transaction from MT 104 message “Denial of direct debit request”.
4.4.3. “Past Date Information” service – when the service is used, the archived files for each past
period requested by BAE and retrieved are counted automatically.
4.5. Measurement of use of “Services Using BISERA”
4.5.1. “Transfer of internal bank information” service
Messages MT 103, MT 103 “REMIT”, MT 192, MT 196, MT 199, transactions from message MT
101 directed to BISERA, transaction from message MT 104 “Direct Debit Request” , transaction from
message MT 104 “Direct Debit Transfer”, transaction from message MT 104” Cancellation of Direct
Debit Request” are chargeable to BAE-sender.
4.5.2. “Transfer of information to SEBRA”
Messages MT 101 directed to SEBRA are chargeable to BAE-sender.

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4.5.3. “Transfer order through SEBRA” service
The message MT 103 sent by SEBRA shall be chargeable to the Ministry of Finance.
4.6. In order to ensure regular upload of information, timely processing and sending orders for
settlement out to RINGS, the following shall be inserted:
4.6.1. Time zones applicable to counting of and paying for the services, as follows:
- I-st zone – from 15:15:00h on (D) to 09:59:59h on (D+1)
- II-nd zone – from 10:15:00 to 14:59:59h;
- III-d zone – from 10:00:00h to 10:14:59h and from 15:00:00h to 15:14:59h;
- 10% of all messages/transactions send by any BISERA participant during each system day in the III-
d zone, shall be paid at reduced rates compared to prices of III-d zone; all messages/transactions in III-
d zone exceeding 10% of the number of all messages/transactions for one system day, shall be charged
at the prices set for zone III.
These time zones are subject to change upon any changes to the RINGS’ schedule for submission of
orders for settlement.
4.6.2. Files received in BISERA during non-business days shall be counted in I-st zone.
4.6.3. The time of entry of the file in BISERA shall be set in accordance with the clock of the central
machine of BISERA.
5. Principles for payment of services in BISERA and services using BISERA:
5.1. The services shall be used and paid by all BISERA participants pursuant to contracts for
participation in BISERA signed in advance.
5.2. For new participants in BISERA as well as new BAE, the services for which one-off fees are
charged shall be invoiced pursuant to a written request for service. The invoice shall be paid before
the issuance of the respective certificate.
5.3. The annual fees shall be payable by all BISERA participants in advance and in full at the
beginning of each current year based on an invoice issued. Each new participant shall pay a fee in
advance and in full, in proportion to the period as of its certification date for participation in BISERA
through the end of each calendar year, on a monthly basis for each month commenced.
5.4. Services measured through the automatically counted messages/transactions shall be billed
monthly according to actual use. Based on the monthly report for the preceding month, Bankservice
JSC shall issue an invoice for each BISERA participant and send it out within the 8th day of the current
month. BISERA participants shall pay for the services by a credit transfer order or otherwise so as to
make sure the amount is credited to Bankservice JSC’s bank account no later than the 15th day of the
current month.




                                                                                                       10
CHAPTER 3. PRICE LIST OF SERVICES IN BISERA AND SERVICES
USING BISERA

        1. Services in BISERA
          1.1. Services for which one-off fees are charged
          Service              Code       Content and         Measure     Prices in BGN (VAT excluded)
                                               scope                       Shareholders              Non-
                                                                                                  shareholders
1. Certification of the bank   1110     Pursuant to item       1 CB               680                1000
for participation in                    3.1.1.1.
BISERA
2. Inclusion of new BAE 1112            Pursuant to item      1 BAE               140                 210
in BISERA                               3.1.1.2.


Services for which annual fees are charged:
          Service              Code       Content and         Measure     Prices in BGN (VAT excluded)
                                               scope                       Shareholders              Non-
                                                                                                  shareholders
1. BISERA participation 1130            Pursuant to item       1 CB              19 700             28 000
fee                                     3.1.2.1.


Services for which monthly fees are charged:
        Service           Content and scope        Measure    Code      Time              Prices in BGN
                                                                         zone             (VAT excluded)
                                                                                    Shareholders            Non-
                                                                                                        shareh
                                                                                                         olders
1. Inter bank transfer
1.1. Transfer of funds    Pursuant to item         Quantity   1031       First             0.09             0,13
                          4.4.1.1.
                                                              1032      Second            0,09              0,13
                                                              1033      Third             0,255          0,365
                                                              1034      Third             0,09              0,13
                                                                        discou
                                                                         nted



                                                                                                       11
1.2. Transfer of funds Pursuant to item           Quantity      1051     First        0,32            0,47
“REMIT”                     4.4.1.1., letter b)
                                                                1052    Second        0,32            0,47
                                                                1053    Third         0,90            1,35
                                                                1054    Third         0,32            0,47
                                                                        discou
                                                                         nted
1.3. Summarized             Pursuant to item      Quantity      1007                  0,06            0,08
results of each bank        4.4.1.2., letter a)
1.4. Transfer approved Pursuant to item           Quantity                            0,0             0,0
                       4.4.1.2., letter b)
1.5. Transfer rejected Pursuant to item           Quantity                            0,0             0,0
                       4.4.1.2., letter c)
2. Transfer of inter Pursuant to item             Quantity      1061     First       0,055         0,085
                       4.4.3.
bank information
                                                                1062    Second       0,055         0,085
                                                                1063    Third         0,14            0,21
                                                                1064    Third        0,055         0,085
                                                                        discou
                                                                         nted


        Other services
          Service               Content and scope       Measure         Code          Prices in BGN
                                                                                     (VAT excluded)
                                                                                 Shareholder     Non-
                                                                                      s        shareholde
                                                                                                   rs
1. Statistical information Pursuant to item              As per         1125
on customer’s request           3.1.4.1.               calculations
2. Statistical information Pursuant to item
for a reporting period          3.1.4.2.
2.1. For a bank with up to                           1 set (paper and   1121         91           91
100.000 inter bank                                     floppy disc)
transfers a month                                            Email      1123         91           91

2.1. For a bank with over                            1 set (paper and   1122        150           150
100.000 inter bank                                     floppy disc)



                                                                                                 12
transfers a month                                       Email        1124       107               107

3. Passed date information       Pursuant to item       Per file     1126        20                30
                                 4.4.3.
4. Printing of information                           Per sheet, A4   1120       0,18              0,18


2. Services using BISERA
        Service              Content and scope   Measure     Code    Time     Prices in BGN (VAT
                                                                      zone            excluded)
                                                                              Shareholders         Non-
                                                                                                  shareh
                                                                                                   olders
1. Transfer of internal Pursuant to item         Quantity    1591     First      0,055             0,085
bank information             4.5.1.
                                                             1592    Second      0,055             0,085
                                                             1593    Third        0,14                 0,21
                                                             1594    Third       0,055             0,085
                                                                     discou
                                                                      nted
1.2.     Transfer    of Pursuant to item         Quantity    1519                 0,12                 0,19
information to SEBRA         4.5.2.
1.3. Request for             Pursuant to item    Quantity    1021                                      0,14
transfer initiated           4.5.3.
through SEBRA
4. Consultation on           Pursuant to item Man hour       1630                 70                   70
BISERA-related issues        3.2.3.




                                                                                                  13
          PRICES FOR PROVISION AND USE OF
    ELECTRONIC SIGNATURE CERTIFICATES
                      AND RELATED SERVICES




                                        01 July 2008. Sofia




This document contains prices for provision and use of certificates and prices of related services
offered by Bankservice JSC. It is an extract from the User’s Manual and the Tariff of Bankservice
JSC sent to the Committee for Telecommunications’ Regulation for purposes of the registration
process of Bankservice JSC in its capacity as provider of certification services pursuant to Art. 36,
para. 1, item 6 of the Electronic Document and Electronic Signature Act. These documents were
produced in compliance wit the requirements of the Act, the Ordinance on Operations of Providers of
Certification Services, Rules and Regulations for its Termination and Terms for Offering of
Certification Services, the Ordinance on Algorithms for Improved Electronic Signature, the acting
Bulgarian legislation and the international standards and specifications.



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TERMS


User’s Manual                   Terms and conditions according to which Bankservice JSC, Sofia,
                                provides its customers, for a consideration, with certification services
                                through an independent executive unit – B-Trust® Certification
                                Authority, in compliance with provisions of the Electronic Document
                                and Electronic Signature Act as well as other certification,
                                information, cryptographic and consulting services under the trade
                                mark of B-Trust®.
                                The Manual consists of the following documents:
                                1. General provisions and terms and conditions;
                                2. Practices in the provision of certification services (Certification
                                Practice Statement, CPS)
                                3. Policy for provision of certification services (Certificate Policy, CP)
                                4. Insurance policy
Practices in the provision of   Document that shall be an integral part to the User’s Manual
certification services          containing rules on the implementation of safety measures applicable
                                to the provision of services, issuance, suspension, renewal and
                                termination of validity of each certificate, and the terms and
                                conditions for provision of access thereto.

Policy for provision of         Document that shall be an integral part to the User’s Manual,
certification services          describing the policy and procedures the provider shall follow when
                                issuing the certificates as well as the applicability of certificates issued
                                with the view of safety of these procedures.
B-Trust® PKI Infrastructure     Infrastructure of Bankservice JSC for creation, use and check up of
                                electronic signatures based on certificates issued by Bankservice JSC
                                and including different units and persons taking part in the provision
                                and use of certification services, such as Certification Authorities,
                                Registration Authorities, Signature Owners, Authors and Relying
                                Parties.
Certification Authority         Certification Authority, CA, means separate organizational and
                                management unit established with the Provider to carry out its
                                functions relating to provision of certification services in its capacity
                                as a provider of certification services. Certification Authority has no
                                independent legal capacity and all its operations and activities of its
                                personnel shall be carried out in their capacity as Provider’s
                                employees within the authorities vested in them.
Registration Authority          Registration Authority, RA, is an unit responsible to carry out the
                                Provider’s activities relating to: acceptance, check up, approval or
                                rejection of requests for issuance of certificates; registration of
                                requests filed with the Certification Authority for issuance and
                                insertion of any changes to the status of certificates; carrying out of
                                the respective check ups for verification of identity, respectively
                                identification of the Signature Owner and the Signatory, as well as any
                                specific data about them, with the means provided for by law and in
                                compliance with the policy and practice for issuance of the respective
                                certification service; notification of the Certification Authority for
                                issuance of the certificate following successful identification; handing
                                over to the Signature Owner or the Signatory respectively, the portable
                                disks on which the certificate and the private key for creation of
                                electronic signatures are recorded if the set of asymmetric keys is
                                generated with the Provider; signing contracts for provision of
                                certification services with the Signature Owners on behalf of the

                                                                                                         15
                               Provider. Registration Authority may be a separate unit within the
                               Provider (“B-Trust RA”) or a unit within a legal entity other than the
                               Provider, to which the rights to carry out operations pursuant to para.
                               1 on behalf of the Provider are delegated (“B-Trust Alliance Program
                               RA”)
Signature Owner                Signature Owner shall be natural person or legal entity on behalf of
                               which electronic statements are signed and is specified as such in the
                               electronic signature certificate issued.
Signatory                      The Signatory shall be a natural person who performs, on behalf of the
                               Signature Owner, electronic statements and signs them in accordance
                               with the authorities vested in him/her and specified as such in the
                               certificate issued.
Relying Parties                Relying Parties are natural persons or legal entities – receivers of
                               electronic statements signed with electronic signatures having
                               electronic signature certificates issued by the Provider or of electronic
                               information or data transformed through PKI technologies, based on
                               the certification or other information or cryptographic services offered
                               by the Provider.
Certificate                    “Certificate” is an electronic document signed with electronic
                               signature by the Provider of certification services. Certificate matches
                               the data for verification of identity, respectively identification of the
                               Signature Owner/Signatory, with his public key. It is used for
                               verification of electronically signed documents or objects.
Certificate validity           Each certificate shall be valid for a period of one year as of the date of
                               issuance.
Extension of certificate’s     This service shall be available from the date specified in the
term of validity               customer’s Application and shall comply with the following
                               provisions:
                               - the certificate issued shall be valid as of the extension date;
                               - there shall be no changes to the data of the Signatory and/or
                                  the Signature Owner
                               The service provides for one-off extension of the certificate validity
                               for another year.
Renewal of a certificate       The service shall be available as of the date specified in the
                               customer’s application in compliance with the following provisions:
                                        - upon expiry of the certificate’s extension term;
                                        - providing there are changes to the data of the Signatory
                                          and/or the Signature Owner
                               The service provides for one-off extension of the certificate validity
                               for another year.
Universal electronic signature Certificate issued by the Provider being an universal electronic
Certificate (UES)              signature certificate and including the requisites provided for in Art.
                               24 of the EDESA.


PRICES FOR ISSUANCE AND USE OF CERTIFICATES AND PRICES OF
RELATED SERVICES OFFERED BY THE PROVIDER
1.1. Fees
(1) The value of contract shall include one or more of the following fees:




                                                                                                      16
1. Fee for issuance/renewal and support of certificates. Certificate (of the same type) may be re-issued
providing the Signatory and the Signatory of the previous certificate is one and the same person
(except for the “server certificate “, “information and software objects certificate”).
2. Fee for extension of certificate’s term of validity.
3. Fee for consultations and works performed upon Signature Owner’s request,
4. Fee for equipment (such as card readers, computer equipment, etc.) provided or prices of such
equipment purchased by the Provider.
5. Fee for online verification of the certificate’s status (OCSP service).
6. Fee for personalization of a physical device (such as B-Trust smart card, mini CD or floppy disc,
etc.).
7. Fee for limitation of the access to a certificate published.
8. Fee for verification of the date and hour of submission of the hesh-identifier of an electronic
document signed.
9. Fee for provision and delivery of documents on a physical device.
(2) Fees due pursuant to para. 1 shall be paid to the Provider within the amounts in accordance with
the Tariff for certification, information, cryptographic and consulting services provided by
Bankservice JSC within the terms and in the manner as set out in items 1.4.- 1.8. and the written
contract-application form.
(3) To the extent that there is an advance or subscription fee agreed upon for the use of services, it is
non-refundable providing the Signatory Owner has failed to use the service within the term for which
the advance or subscription fee relates.
(4) The price of contract shall not include the amounts charged by telecommunication companies with
regard to long-distance telecommunication or other services provided by these companies and used by
the Signature Owner or the Signatory with relation to services offered by the Provider. They are fully
payable by the Signatory Owner to the respective telecommunication company. Provider shall neither
owe, nor be liable for the payment of these amounts.
1.2. Tariff of fees
(1) Provider shall have a Tariff of certification, information, cryptographic and consulting services
offered.
(2) Provider shall be entitled to unilaterally change the tariff at any time during the validity of the
contract by notifying the Signature Owner through publishing the changes online at its web site
HTPP://WWW.B-TRUST.ORG or through an individual notice. These changes shall be effective in
Signature Owner’s respect as of the day following the day of publication, respectively the receipt of
the notice.
(3) Within 5 (five) days as of the date the change pursuant to para. 2 took effect and insofar as there is
increase in prices, the Signature Owner shall be entitled to unilaterally terminate the contract by
sending a written notice to the Provider effective as of the expiry date of the last certificate, in which

                                                                                                       17
case the contract shall be deemed terminated as of the date of change and all fees paid under the
contract for service(s) used shall not be refunded.
(4) If there is no notice for termination pursuant to para. 3 it shall be deemed that the Signature Owner
agrees with the changes.
(5) The change in fees may not affect the one-off or prepaid recurrent fees already paid, in which cases
the Signature Owner may not terminate the contract pursuant to provisions of para. 3.
(6) The fees for services provided specified in the Tariff and the contract – application form are listed
with and without the Value Added Tax.
1.3. Free services
Provider shall offer free registration and information services relating to the use of the Public Register
as follows:
1. Access for check up and download of the Signature Owner’s and Signatory’s certificate published
in cases when the certificate was not downloaded on Signature Owner’s or Signatory’s computer.
2. Access for check up and download of the List of Certificates Suspended or Terminated supported
by the Provider.
3. Access for check up and download of the Provider’s certificates (B-Trust Domestic Root CA, B-
Trust Operational CA1).
4. Access for download of Provider’s public documents.
1.4. Fees for certification, information, cryptographic and consulting services used.
(1) For the use of one-off services – “Issuance and support of certificate”, “Extension of the term of
certificate” and “Renewal of certificate” one-off fee shall be payable at the time the service was
ordered or within 5 days as of the receipt of invoice as agreed in the contract – application form.
(2) For use of the “limitation of the access to a published certificate” service during the term of
certificate’s validity as requested in the contract – application form or in a separate request, the price
of the service shall be payable only once during the month the request was filed or within 5 days as of
the receipt of invoice for each separate agreement.
(3) For the use of services such as “Technological support for the installation of B-Trust products and
services”, “Technological support for the installation of B-Trust products and services and work with
public electronic portals (such as NRA, NOI, Trade Register, etc.) and “Technological support for the
installation of B-Trust products and services in a Bankservice’s office” the service shall be measured
in man-hours and payable in accordance with the bilateral protocol signed for the work done. Hourly
rates of the Tariff attached shall be valid within the official business hours from 8,30h to 17,30h on
weekdays. Any work performed out of the official business hours shall be charged with additional
percentage in accordance with the Tariff.
(4) For the use of “personalization of a portable device (B-Trust smart-card, mini CD or floppy disc,
etc.)” service one-off fee shall be payable at the time the request for respective devices was filed.
1.5. Fee for provision of documents

                                                                                                        18
(1) The use of and access to documents published on Provider’s web site – such as the current Manual,
different policies, tariffs and other public documents of the Provider shall be free-of-charge.
(2) For any record and provision of these documents on a copy (either paper or electronic), only the
price of the electronic device and the courier services shall be charged.
1.6. Fee for equipment provided
(1) The fee for any Provider’s equipment purchased or rented (such as computer equipment, etc.) shall
be agreed and payable in accordance with the terms and conditions of the contract – application form.
(2) Legal relations between the Provider and the Signature Owner shall be regulated in accordance
with the general provisions of the sales contract or the lease agreement respectively.
1.7. Invoicing
(1) Provider shall issue to the Signature Owner VAT invoices for services provided.
(2) In case of recurrent payments, the invoice shall be issued and sent to the Signature Owner within
the 5th day of the month following the month the services were used, unless it is a prepaid service, in
which case the invoice shall be issued within 5 days following payment.
(3) Failure to receive the VAT invoice shall not constitute a waiver of Signature Owner’s obligation to
pay the fees due within the terms set.
(4) All amounts due under the contract shall be payable by the Signature Owner in cash or by bank
transfer.   The payment by bank transfer shall be deemed received at the time of crediting the
Provider’s bank account with the full amount due.
(5) All bank commissions, fees and costs relating to the bank transfer shall be on Signature Owner’s
account.




                                                                                                    19
1.8. Tariff for provision and use of electronic signature certificates and related services
1.8.1. Prices of services for which one-off fees are charged


 No.        Types of              Measure       Prices of           Prices of         Prices of         Prices for
            services                          personal UES        professional            server       information
                                                certificate             UES          certificate       and software
                                                                   certificate                               object
                                                                                                        certificate
                                              VAT        VAT      VAT      VAT     VAT        VAT      VAT        VAT
                                              incl.      excl.    incl.    excl.    incl.     excl.    incl.      excl.
  1               2                   3         4             5     6         7      8             9    10         11
A1       Issuance and One-off fee
         support           of for 1
         certificate            certificate
         valid             as
         follows:
A1.1     For 1 year                            48           40     60         50    144        120     240        200
A1.2     For 2 years                            -             -     -         -     240        200       -            -
A1.3     For 3 years                            -             -     -         -     300        250       -            -
A2       Limitation of One-off fee              6             5    12         10      -            -     -            -
         access       to   a for one
         published              customer’s
         certificate            request
A3       Extension of One-off fee              42           35     48         40      -            -     -            -
         certificate’s          for one
         validity               certificate
A4       Renewal and            One-off fee    42           35     60         50      -            -     -            -
         support of             for one
         certificate            certificate


Note: Bankservice JSC offers a variety of smart cards and card readers – visit htpp://www.b-trust.org




                                                                                                             20
1.8. 2. Prices of services provided by request
 No.                Types of services                     Measure                       Price BGN
                                                                               VAT incl.          VAT excl.
  1                         2                                 3                     4                  5
 A5      Publication of certificate            For 1 certificate, Price is included in the one-off
                                               upon request       fee
 A6      Suspension/resumption of              For 1 certificate, Price is included in the one-off
         certificate’s validity                upon request       fee
 A7      Termination of certificate’s validity For 1 certificate, Price is included in the one-off
         before expiry of its term             upon request       fee
  B1     On-line check up of the status of For 1 certificate      Free-of-charge – within the
         certificate (OCSP, CRL)                                  technological schedule of B-Trust
                                                                  In case of specific requirements –
                                                                  price is to be negotiated
  C1     Certification of the date and time of For 1 certificate, Free-of-charge – within the
         submission of the hash-identifier of a upon request      technological schedule of B-
         signed electronic document                               Trust;
                                                                  In case of specific requirements –
                                                                  price is to be negotiated
 D1      Technological support for the man hours **               36                 30
         installation of B-Trust products and
         services, Provider’s transport not
         included*
 D2      Technological support for the man hours **               42                 35
         installation of B-Trust products and
         services,      Provider’s     transport
         included*
 D3      Technological support for the man hours **               60                 50
         installation of B-Trust products and
         services and work with public
         electronic portals (such as NRA, NOI,
         Trade register, etc.), Provider’s
         transport not included*
 D4      Technological support for the man hours **               66                 55
         installation of B-Trust products and
         services and work with public
         electronic portals (such as NRA, NOI,
         Trade register, etc.), Provider’s
         transport included*
 D5      Technological support for the man hours **               12                 10
         installation of B-Trust products and
         services in the Bankservice’s office*

        Note: * In cases when the technological support is provided out of the geographic area
        where the Provider’ representative office is located, the Customer shall provide for
        transportation.
        ** If the work is done out of the usual business hours, the hourly rate shall increase as follows:
                 by 50% for all hours worked after the official business hours
        `        by 75% for hours worked on weekends
                 by 100% for hours worked on official holidays

                                                                                                       21
PRICES OF INFORMATION SERVICES




           01 July 2008 , Sofia




                                  22
Code 1615 Electronic provision, through the “INFOBANK” system, of daily information from the
banks regarding customer’s own accounts held therein. The CUSTOMER shall buy the right of use of
the product and pay for a license depending on the number of bank accounts. For information
transferred by the system a monthly fee depending on the number of Customer’s bank accounts shall
be paid.
Prices:
  Number of bank                   License (BGN)            INFOBANK –                Monthly fee (BGN)
accounts grouped by                                     transfer – monthly fee
       range                                              for the number of
                                                        accounts shall be paid
            1-5                         30              For each account                      11
           6 – 15                       60              BGN for the group +               55 + 10*n
                                                        for each account from
                                                        the selected range (n)
           16 -25                       90              BGN for the group +               155 + 8*n
                                                        for each account by the
                                                        selected range (n)
       Over 25                     100                  Total for all accounts              250
Note: Prices are exclusive of VAT.


“INFOBANK 2” is an upgrade of the existing “Infobank” system. This version is a WEB application
through which the CUSTOMER may use the internet as a communication environment and instead of
installing special software, receive his/her account information through the browser of his/her personal
computer. This service is paid for monthly depending on the number of Customer’s bank accounts.
Prices:
  Number of accounts grouped in                 1–5           6 – 15        16 – 25           Over 25
               ranges
Monthly fee – BGN                                  0            55            155               235
Account administration fee (fee for                11           10                8               1
administration of one account within
the range) – BGN
Note: Prices are exclusive of VAT.
Code 1630 Consulting information technology service
Code 1631 and 1632             Highly qualified support – service provided by BANKSERVICE JSC upon
concrete request of the CUSTOMER and consists in finding solutions to customer’s problems relating
to:
-          system and applied software;
-          technical issues;
-          banking technologies;
-          problems arisen in the process of use of any applied software;


Prices:


                                                                                                        23
 CODE                    SERVICES                        MEASURE                  PRICE BGN
1630         CONSULTING SERVICE                     man-hour *                        70
1631         HIGHLY QUALIFIED SUPPORT               man-hour *                        30
1632         For services coded 1630, 1631 and man-day *                              240
             1632 – increase by:
                                               50% for non-business
                                               hours
                                               100% for holidays
Note: Prices are exclusive of VAT.


Code 1611 File formatting and record on Provider’s floppy disc
Code 1620 Printing the information on A4 sheet – the price includes all consumables


Prices:
CODE         SERVICES                               MEASUREMENT              PRICE BGN
1611         File formatting and record        on 1 file per 1 floppy disc            2,00
             Provider’s floppy disc
1620         PRINTOUT OF A PAGE                     One page                          0,18
Note: Prices are exclusive of VAT.




                                                                                              24
PRICES OF SERVICES PROVIDED BY SSB – SB
 (SWIFT SERVICE BUREAU – BANKSERVICE
                 JSC)




              01 January 2008, Sofia




                                       25
CHAPTER 1: General Provisions
1.1 The price policy of Bankservice JSC with regard to customers of services provided by SSB – BS is
to provide better prices, better quality and more reliable communicational connectivity to SWIFTNet
compared to those offered by the alternative options on the market, considering the existing
infrastructure between Bankservice JSC and the commercial banks.
1.2. The prices of services are calculated based upon the variety of services offered at certain point in
time, at fair consideration of the differentiation of customers of SSB - BS with regard to their
SWIFTNet traffic for FIN-messages.
1.3. Depending on the monthly SWIFTNet traffic for FIN-messages (sent and received) of separate
banks, they are divided in 3 categories according to traffic, as follows:
1.3.1. I-st group – includes banks with traffic of up to 8000 SWIFTNet messages a month.
1.3.2. II-nd group – includes banks with traffic from 8001 to 25 000 SWIFTNet messages a month.
1.3.3. III-d group – includes banks with traffic of over 25 000 SWIFTNet messages a month.
1.4. Providing the actual monthly SWIFTNet traffic for FIN-messages of a bank from the I-st and II-
nd group increases by over 40% compared to the maximum number of messages in the group, the
following month this bank shall pass to the next group.
1.5. Changes to prices shall be made only by decision of the company’s Board of Directors in
consideration of the exchange rates fluctuation, inflation, SWIFT tariffs, etc.


CHAPTER 2. Pricelist of services offered by SSB – BS
2.1. Services for which monthly fees are charged
No.                    Services                           Prices (BGN, VAT not included), by groups
                                                      I-st group            II-nd group        III-d group
1      Access to SWIFTNet                               1 120                  1 360              1 920




                                                                                                      26
PRICES OF SERVICES
IN “EFAKTURA.BG”




     01 July 2008, Sofia




                           27
CHAPTER 1. General Provisions
1.1. Nature and characteristics of eFaktura.bg system
eFaktura.bg (HTPP://EFAKTURA.BG) is a web-based system owned by Bankservice JSC intended
for the safe sending and receipt of electronic invoices and accounts so as to allow the registered users
to send, receive, review, confirm receipt, dispute and save locally, in online regime, electronic
invoices and accounts issued by different Issuers and intended for different Recipients.
1.2. Scope and content of the service:
1.2.1. The issuer may send repeatedly files with electronic invoices/accounts;
1.2.2. The Issuer may review all invoices/accounts sent and monitor their status – received, accepted,
not accepted, etc.
1.2.3. The service provides for a formal and logical control and notifies the Issues if there are errors;
1.2.4. The Issuer may cancel any invoice/account from the system and resend it;
1.2.5. The service provides for email “notification” of the Recipient and ensures safe access for receipt
of the invoice/account;
1.2.6. On Issuer’s initiative, any recipient may be notified again for the invoice/account sent his way;
1.2.7. The Issuer shall receive reports about the volume and status of invoices/accounts issued for a
certain period or by other indicators;
1.2.8. Recipient may review each invoice/account, confirm it as received, print it out or download it in
electronic format or dispute it;
1.2.9. The service provides for means for electronic dispute and record of the history of disputes;
1.2.10. The invoices/accounts are kept for a period of 3 months following the tax event mentioned
therein;
1.2.11. 24x5 Help Center established
1.3. The price policy of Bankservice JSC with regard to customers of services provided by eFaktura.bg
system is to provide better prices, higher quality and more reliable services compared to those offered
by the alternatives options on the market. Prices are conformant with the European Union practice as
well as with the local factors influencing the pricing.
1.3.1. Each Issuer who is a related party, pursuant to the legal provisions, with other person(s) who
have signed a valid contract for use of the eFaktura.bg system with the Provider, may use, together
with the other person(s), a special commercial group discount.
1.4. Definitions used, services provided, their scope and content shall be conformant with the General
Provisions for Use of the eFaktura.bg System published. In addition, for the purposes of the Pricelist,
the following definition shall apply:
1.4.1. “Incoming” invoice/account – an invoice/account submitted by the Issuer and accepted by
eFaktura.bg system;
1.4.2. “Outgoing” invoice/account – an invoice/account submitted by the Issuer and accepted by
eFaktura.bg system, the receipt of which was confirmed by the Recipient;

                                                                                                            28
1.4.3. “Dispute” service – exchange of messages between the Recipient and the Issuer with regard to
an invoice/account issued by the Issuer and accepted by the eFaktura.bg system, but disputed by the
Recipient for whatever reason.
1.5. Types of services in accordance with the manner of payment:
1.5.1. Services for which one-off fees are charged;
1.5.2. Services for which fees are paid monthly based on services actually used;
1.5.3. Additional services.
1.6. Prices of services are developed based upon the variety of services offered at certain point in time
in fair consideration of differentiation of customers of eFaktura.bg system with regard to the volume
of invoices/accounts.
1.7. Prices are set in accordance with the monthly volume of e-invoices/accounts where the
Issuer/Recipient who has a contract with Bankservice JSC for payment of services, is automatically
allocated based upon the number of e-invoices/accounts issued (“incoming” in the system) or received
(“outgoing” from the system) for the reporting month in one of the following 5 groups:
1.7.1. I-st group – from 0 to 49 e-invoices/accounts;
1.7.2. II-nd group – from 50 to 499 e-invoices/accounts;
1.7.3. III-d group – from 500 to 2 999 e-invoices/accounts;
1.7.4. IV-th group – from 3 000 to 19 999 e-invoices/accounts;
1.7.5. V-th group – over 20 000 e-invoices/accounts;
1.7.6. Issuers pursuant to item 1.3.1. are automatically allocated in one of the above price groups in
accordance with the total number of e-invoices issued by all related parties.
1.7.7. Distribution of amounts due shall be made based on the monthly number of invoices issued to
each individual issuer within the group pursuant to 1.3.1.
1.8. Basic services offered by the eFaktura.bg system shall be provided pursuant to contract and/or the
General Provisions for Use of the eFaktura.bg System. Services shall be payable by the party which
has negotiated with Bankservice JSC the payment of services at the prices set in this Pricelist. The
price of services shall not include transfer of attachments such as references to invoices, advertisement
notices, etc.
1.9. Additional services of the eFaktura.bg system shall be provided pursuant to a contract and/or the
General Provisions for Use of the eFaktura.bg System and a written request for the concrete service.
Such additional services shall be as follows:
1.9.1. Acceptance and transfer of attachments to e-invoices/accounts such as references to invoices,
advertisement notices, etc. The monthly volume of information received in the system and transferred
to the recipients shall be measured in megabits (MB) where each “incoming MB" commenced in the
eFaktura.bg system and each “outgoing MB" from the eFaktura.bg system shall be counted. Following
confirmation of receipt of the invoice/account, providing it contains attachments, they shall become
outgoing with respect to the eFaktura.bg system.

                                                                                                      29
1.9.2. Archiving of e-invoices/accounts and attachments thereto or the so called “e-Archive” service.
The scope and content of the service include as follows:
1.9.2.1. Archiving of files received in the eFaktura.bg system following the elapse of at least 3 months
as of the date of receipt in eFaktura.bg, for the period up until the Issuer/Recipient files a request for
deletion from the archive, but for not more than 10 years. The information incoming in the
eFaktura.bg system shall be stored in a database which allows for its fast retrieval and use. Upon
written request submitted by the Issuer/Recipient, the information for a period equal to the passed
calendar year/s shall be deleted from the database.
1.9.2.2. All e-invoices “incoming” in the eFaktura.bg system shall be archived. Only those
attachments, for which the Issuer/Recipient has explicitly specified its choice to have them stored,
shall be archived.
1.9.2.3. The e-Archive service provides for a high level of security of the information archived, as the
latter shall be stored in 3 different copies within a protected information system – on a disc, backup
and remote disc.
1.9.2.4. The e-Archive service shall provide the Issuer/Recipient with the option to receive online
information (at no additional cost) from the archive by periods (from one date to another date
specified) or by Recipient/Issuer.
1.9.2.5. The e-Archive service shall be used based upon monthly subscription depending on the
volume of information archived during the month. The volume of this information shall be measured
in GB (gigabits) used during the reporting month and each 0,5GB commenced shall be charged for.
The first 0,5GB shall be free-of-charge.
1.10. The measurement of the use of services for which monthly fees are charged shall be made for
each reporting month based on services automatically counted initiated by the Issuer or Recipient, as
follows:
1.10.1. Counting of the use of the “incoming” e-invoice /account service and the “outgoing” e-
invoice/account service. The “outgoing” e-invoice /account shall be counted for the month in which
the Recipient has confirmed the receipt. Thus the prices for “incoming” and “outgoing” e-invoice
service/account per Issuer/ Recipient for each reporting month may be from different price groups.
        Example: During month 4 an Issuer has sent the total of 600 “incoming” e-invoices /accounts
in the eFaktura.bg system of which the Recipients have confirmed the receipt of 400 “outgoing” e-
invoices /accounts. In the following month 5, the Issuer has sent 450 “incoming” e-invoices/accounts
of which the Recipients have confirmed 200 “outgoing” e-invoices/accounts from the preceding month
and 350 “outgoing” e-invoices/accounts from the month 4. Invoicing of services shall be in
accordance with automatic calculation of prices for the respective groups by months as follows:
-       for month 4 – prices for “incoming” e-invoices/accounts (600) in accordance with III-d group
        and for “outgoing” (400) – in accordance with II-nd group.



                                                                                                       30
-       For month 5 - prices for “incoming” e-invoices/accounts (450) in accordance with II-nd group
        and for “outgoing” (350+200 = 550) – in accordance with III-d group.
1.10.2. Monthly subscription fee – shall be defined based upon the number of “incoming” e-
invoices/accounts for each reporting month for each Issuer/Recipient.
1.10.3. For the first month the Issuer/Recipient joins the system, the party negotiating the payment of
services with Bankservice JSC shall owe no monthly subscription fee.
1.11. Prices of services offered shall be defined by the Board of Directors of Bankservice JSC in
compliance with the principle of full coverage of all related costs.
1.12. Changes to the prices shall be published online on the web site of Banservice JSC.
1.13. Principles applicable to the payment of services in the eFaktura.bg system:
1.13.1. Services shall be used and paid for by participants pursuant to contract for participation in the
eFaktura.bg system, signed in advance.
1.13.2. Services for which one-off fees are charged shall be invoiced pursuant to a written application
for the service.
1.13.3. The monthly user’s fees shall be payable pursuant to an invoice for services used during the
reporting month and shall include the cost of services actually used plus the monthly subscription fee.
1.13.4. The services automatically counted shall be paid for monthly in accordance with the actual use.
Based upon the monthly report for the preceding month, Bankservice JSC shall issue an invoice for
each participant in the eFaktura.bg system within the 5th day of the current month. Participants in the
eFaktura.bg system shall pay for the services by a credit transfer order or otherwise in a way that the
amount due shall be credited with the account of Bankservice JSC specified in the invoice not later
than the 15th day of the current month.
1.14. Prices of services are in Bulgarian Levs, VAT not included, to be charged upon invoicing.




                                                                                                      31
CHAPTER 2. Pricelist of services offered in the eFaktura.bg system:
2.1. Services for which one-off fees are charged:
     No.                                 Services                                          Price
                                                                                  (BGN, VAT not included)
     1.        Inclusion of an Issuer/Recipient, party to the contract, to             As negotiated
               participate in the e system
     2.        Planning and development of e-invoice design                            As negotiated
     3.        Design and development of ways for conversion and                       As negotiated
               signing

2.2. Services for which monthly subscription fee is charged:
No.                     Services                            Prices by groups (BGN, VAT not included)
                                                     I-st        II-nd         III-d     IV-th          V-th
                                                    group        group        group      group         group
                                                    0 – 49      50 – 499      500 –     3 000 –         Over
                                                                              2 999     19 999         20 000
 1                           2                        3            4            5          6              7
1.         Subscription fee for participation       30,00         5,00        25,00     130,00     As
           in eFaktura.bg                                                                          negotiated


2.3. Services payable monthly based on services actually used:
No.                     Services                            Prices by groups (BGN, VAT not included)
                                                     I-st        II-nd         III-d     IV-th          V-th
                                                    group        group        group      group         group
                                                    0 – 49      50 – 499      500 –     3 000 –         Over
                                                                              2 999     19 999         20 000
 1                           2                        3            4            5          6              7
1.         Cost   of   one       “incoming”   e-    0,00          0,30         0,27      0,24      As
           invoice/account                                                                         negotiated
2.         Cost   of   one       “outgoing”   e-    0,99          0,20         0,18      0,16      As
           invoice/account                                                                         negotiated


2.4. Additional services:
     No.                              Services                             Measure             Price (BGN,
                                                                                          VAT not included)
1.             Consulting service                                          man hours              70,00
2.             Acceptance and transfer of attachments to e-
               invoices to one Recipient


                                                                                                              32
2.1.   “Incoming” in the eFaktura.bg system                 1 MB                 0,02
2.2.   “Outgoing” from the eFaktura.bg system               1 MB                 0,13
3.     E-Archive                                        0,5 GB a month           7,50
3.1.   References on invoices from e-Archive for past     1 reference    Included in the price
       periods                                                           under item 3
3.2.   Deletion of information for past year/s upon                      Included in the price
       request                                                           under item 3




                                                                                         33

								
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