M36 vs Opticom Finance

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!

With Opticom Finance savings you can save, and grow your finances. You can also purchase airtime and pay your electricity, internet and other provider bills in a fast and secure means all from the Opticom Finance app! LOAN RATES AND REQUIREMENTS With Opticom Finance, you can take loans at your convenience with no long queues or documents. Our payback period can be from 62 days to 90 days based on eligibility. We usually require no collateral. However, for specific loan amounts you may need to provide a guarantor. Also we only accept loan applications from persons above the age of 21. To verify your identity and eligibility, you will need to submit additional documentation such as a valid identification document and may also be required to submit your bank statement. Our minimum interest rate, which is determined by our credit scoring algorithm, is 3% per month and a maximum of 10% per month. This comes to an Annual Percentage Rate (APR) of 36%. FOR EXAMPLE; If you get a personal loan product of N10,000 to pay back over a 3-months tenor at an interest rate and fees of 3% per month (36% APR), you will be paying back N900 in interest. Making your total Principal + Interest repayment of N10,900 only. Nevertheless, all you need to do is download the app, sign up easily and apply for a loan in minutes! WANT TO TALK TO US? At Opticom Finance, we welcome feedback. If you have any issues navigating the app or questions, reach us by calling +234 803 345 3830 or 01-2799160 or send an email to info@opticomfinance.com. ADDITIONAL NOTES We take several signals into consideration when processing your loan request, such as your previous loan performance, credit score and so on. We also require that only correct details are filled in the loan application as false details could delay your loan request and your profile may be blacklisted. In cases of fraud, you may be reported to the authorities.