LB CIM vs Centrix

LB CIM – So Simple. So Powerful. Welcome to the new LB CIM App — your digital finance lifestyle companion. Reimagined with a modern design and powered by AI, LB CIM brings everything together in one secure, seamless experience. Whether you're saving, borrowing, or making everyday payments, LB CIM puts the power of financial control in your hands. ________________________________________ Key features • Fully digital onboarding — no branch visits required • Open and manage fixed deposits and savings accounts from anywhere • Apply for instant personal and business loans • Get instant loans against your fixed deposits • Access gold loan and business loan top-ups instantly • Track and manage your loans, leases, and deposits • Download your WHT certificate directly from the app • Schedule payments and receive reminders • Transfer funds to any bank or CIM Wallet • Top up your CIM Wallet from your linked bank account • Pay utility bills, reload mobile, settle credit cards, and insurance premiums • Scan and pay securely using LankaQR • View all your financial activity in one smart dashboard ________________________________________ Smarter lending with AI Our AI-powered credit scoring provides real-time loan decisions and tailored offers. Apply digitally, sign digitally — get disbursed instantly. • Loans from Rs. 25,000 upwards • Top-ups for gold and business loans • Repayment terms: 3 to 24 months • 100% paperless experience ________________________________________ Eligibility • Sri Lankan citizen aged 18+ • Minimum monthly income: Rs. 25,000 • Verified CIM Wallet account ________________________________________ Documents required • NIC, passport, or driving license • Proof of address • Recent pay slips and bank statements ________________________________________ Representative loan example (24 months) • Loan amount: Rs. 150,000 • Interest: Rs. 71,834 • Processing fee: Rs. 3,000 • Stamp duty: Rs. 150 • In-hand amount: Rs. 146,850 • Total repayable: Rs. 221,856 • Monthly installment: Rs. 9,244 • APR: 24.03% Fees are deducted upfront. APR may vary by tenure. ________________________________________ Trusted and certified LB CIM is developed by LB Finance PLC, licensed by the Central Bank of Sri Lanka and secured by LankaPay and TechCERT. Deposits are insured under the CBSL Deposit Insurance Scheme. ________________________________________ Award-winning fintech innovation: • FITIS Digital Excellence Awards • NBQSA National ICT Awards • LankaPay Technnovation Awards • ICSDB Excellence Awards for Sustainable & Digital Business ________________________________________ LB CIM – So Simple. So Powerful. Your digital finance lifestyle, now in one app.

Centrix “Centrix” is a digital (FinTech) Payment App powered by Central Finance Company PLC. Download the Centrix app for bank to bank money transfer via JustPay and CEFT & instantly, pay at shops (merchant locations) using LankaQR and make your bill payments with ease and conveniently. Use Centrix for mobile recharge, Postpaid bill payment, Utility bill payment such as Water, Electricity, Landline, Broadband and insurance. All transactions effortlessly perform in a few clicks. All Sri Lankan citizens over 18 years can download this digital payment platform via AppStore, PlayStore and Huawei AppGallery to enjoy the usefulness of digital payments whether you are a Central Finance customer or not. Those who are not Central Finance customers can add their own bank accounts, Credit cards, Debit cards, Pre-paid cards and any approved payment instruments to the Centrix. The security of your data is our priority and we don’t share your data with external parties. Use biometric or pin verification to authenticate all your transactions. Centrix complies with the Guideline No: 01/2020 “Minimum Compliance Standards for Payment Related Mobile Applications" issued by Central Bank of Sri Lanka (CBSL). Centrix complies with the BSS (Baseline Security Standards) for mobile applications, common baseline security standards for developing mobile based applications for the financial sector organizations. Furthermore, Centrix conducted a mobile application security assessment and was certified with TechCERT. Fund Transfers - Swiftly send & receive money from anywhere and at any time via JustPay and CEFT certified bank accounts directly and effortless. - Manage your all financial transactions in a single platform and monitor the account transactions movement with your own customizations. LankaQR Payment - Scan & Pay at any LankaQR enabled merchant (over the counter and online) with any of your bank accounts added as the payment source in Centrix. Bill Payments Over 90+ billers are enabled to make payments conveniently and pay all your bills in one go. Use any of your bank accounts, credit cards, debit cards, pre-paid cards and any other approved payment instrument to experience the convenience in a few clicks to complete the transactions. Get your own e-receipt for your reference at the end of each transaction and conveniently share with any platform with ease for your financial management using Centrix. Instant Notifications Centrix instant spending notifications via in-app and SMS on where your money is spent and for what. Start using “Centrix” today and love the handiness of digital transactions.