Monéé Powered by Citygate vs TellerOne®

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

TellerOne® is a Nigerian financial service platform for instant money transfers, quick loans, savings & bill payment. No hidden fees. No queues. Send money to any bank in seconds. Open a TellerOne® account in minutes, built for every Nigerian who wants to transact smarter, save faster, and access instant loans stress-free. One simple app for students, freelancers, traders, professionals, and business owners. No paperwork. Just banking that works. Transfer — Fast, Free & Fully Digital Start sending and receiving money the moment you sign up. Send money to any Nigerian bank instantly with real-time alerts on every transaction. Anytime, from anywhere, 24/7. Pay all your bills from one app Electricity, Airtime, Data, TV, Sports Betting, and Government Payments. • MTN, Airtel, Glo, 9mobile airtime & data • IKEDC, EKEDC, AEDC electricity bill payment • DStv, GOtv, StarTimes subscriptions • Internet, Betting, Education & Government bills SAVE — Put Your Money to Work Earn up to 22% interest per annum (rates subject to change; T&Cs apply), paid upfront. Three flexible savings plans to match your goals: • SafeLock: Lock your funds & earn up to 22% interest, paid upfront • Target Savings: Set a savings goal and reach it faster • Regular Savings: Save and withdraw anytime with no lock-in. All deposits are insured by the Nigeria Deposit Insurance Corporation (NDIC). BORROW — Instant Loans, Zero Stress (Coming Soon) Access instant personal loans with competitive rates, approved in minutes, not days. No paperwork, no collateral, no guarantors. • Loans from ₦5,000 to ₦500,000 • Quick loan approval with decisions in minutes • Flexible repayment terms tailored to your salary cycle • No hidden charges. What you see is what you pay. • Salary advance available for eligible users CARDS — Your Debit Card, Your Way (Coming Soon) Request a physical or virtual Naira debit card instantly from the app. Use it at ATMs, POS terminals, and for online payments in Nigeria and internationally. • ATM cash withdrawals nationwide • POS payments across millions of terminals • Online payments locally & internationally • Full card controls in-app SECURITY — Bank-Grade Protection Every transfer, loan, and payment is protected by advanced encryption and real-time fraud monitoring, 24/7 with no exceptions. • End-to-end encryption on every transaction • Real-time fraud detection & instant alerts • Biometric login and BVN-linked verification • Instant transaction notifications SUPPORT — Always Here for You Our dedicated support team is available 24/7 for fast dispute resolution. Email: supportng@tellerone.com | In-app chat | Whatsapp: 09080048400 | www.tellerone.com/ng Follow us: @TellerOneNG (Instagram | X | Facebook | TikTok) HOW TO GET STARTED 1. Download the TellerOne® mobile app 2. Create your account in minutes 3. Complete BVN & NIN-linked KYC, quick and paperless 4. Fund your account instantly 5. Start transacting and live without barriers WHY NIGERIANS CHOOSE TELLERONE® • Free instant account opening • Instant transfers to all Nigerian banks • Quick loans from ₦5,000 to ₦500,000 • No hidden fees on any transaction • Up to 22% interest on SafeLock savings, paid upfront • Multiple savings plans for every goal • One-tap bill payment: electricity, airtime, data & more • Physical & virtual Naira debit card with full controls • Real-time spending insights & financial overview • Advanced encryption & fraud protection on every transaction • 24/7 Nigerian customer support team • Financial services powered by TellerOne FI Microfinance Bank, duly licensed by the Central Bank of Nigeria (CBN) • All deposits insured by Nigeria Deposit Insurance Corporation (NDIC) Read our full privacy policy at www.tellerone.com/ng/privacy Download TellerOne®, Nigeria's most intuitive digital banking app for mobile banking, instant loans, savings, and bill payment.