M36 vs Monéé Powered by Citygate

As our world becomes more digitally-connected, there's an increasing need for an innovative, dynamic, and on-demand solution to wealth management needs. M36 by Union Bank is poised to meet this need by delivering personalised online investment products and services. Our suite of tailored investment and lifestyle products and services has been carefully curated to help bring our users closer to their financial goals, M36 . Investments: Whether you're a first time investor, a seasoned professional, or you just want to track your investments more easily, we've got you covered with our simplified, user-friendly app. With our different returns percentages, from Eurobonds to Treasury Bills, we have created a very competitive and responsive platform that allows you to easily choose how you would like to invest, based on each your personalized risk profile. Introducing the Digital Concierge Our digital concierge service is available 24/7 to answer any questions you may have and help with all your investment needs, from building and growing your investment portfolio, to funding your wallet, and so much more. Investment Advisors: Our investment advisors are available to make the most of your investments and actively manage your portfolio if required. Life Essentials: From cash and asset backed loans to personal travel allowance to setting up a will, we’ve created a bouquet of solutions to help you live your best life without compromising your wealth goals. Wealth Management: Enjoy exclusive products and services with our wealth management service. We offer a bespoke service with investment advisors available to manage your investments. Our wealth management proposition is strictly by invitation. Contact our Concierge for more information.  NO deposit fees. NO monthly fees. Bank-level security. Welcome to M36 – the Freedom to Choose!

Download Monéé and enjoy easy banking with access to: o Short term loans o Minimum of 13% interest on savings and investments. The more you save the more you earn! o Pay for your bills of any kind and also send money. o You have control over your financial life with Monéé. Monéé Interest Rate and Loan Repayment: o You can access from ₦2,500 up to ₦1,000,000 o No collateral, no guarantor, no unnecessary document is required o Loan is approved and disbursed in a few minutes o Make repayments over a maximum period of 360 days (12 Months) o Daily interest rate ranges from 0.083% - 0.09% and equivalent monthly interest rate ranges from 2.5% - 2.7%. o Annual Percentage Rate (APR) from 30.5% - 36%. o No processing fees o No penalty charge on late payment Example: for a loan of ₦30,000 for 90 days, Monéé charges 2.5% monthly interest with APR of 30.5%. See repayment breakdown below: Loan Amount: ₦30,000 Loan Tenure: 3 months (90 days) Number of Repayments: 3 Monthly Interest Rate: 2.5% Monthly Interest Amount: ₦750 Monthly repayment: ₦10,750 Total Interest (for 3 months): ₦2,250 Total amount payable: ₦32,250 APR: 30.5%. Save With High Return on Your Investment: Instead of going to the bank for a savings account, with Monéé, you have your account in your pocket. Make more money while you save instead of just saving and losing the whole money. Save smart with Monéé. Fund Transfer Made Easy with Monéé: Send money to your loved ones anytime with just N10 transfer fee irrespective of transaction amount. It is secure and is the best. Life is more interesting with our loved ones happy. Make Seamless Bill Payment of Any Kind: Pay for any kind of bill you can think of, Select and pay. Why not try Monéé. Monéé will make your life easier. Airtime and Data Recharge: Purchase airtime/data on the go with Monéé App. About Monéé: Monéé, a Mobile Loan, Savings, Investment, Bill Payment and Funds Transfer application powered by Citygate Global Investment Limited, a Microfinance Institution with over 13 years’ experience in the Finance Sector. It is both a financial service and a financial platform that enhances the quality of its user’s lives by giving them a needed financial boost when they need it and by providing a means for them to make targeted Savings and Investment plans. Contact us via: Email: support@monee.ng info@monee.ng hello@monee.ng Call: 070024894283, 012919739 Visit: monee.ng Like on Facebook: https://web.facebook.com/ Monéé Follow on Instagram: moneesupport Follow on Twitter: @moneesupport