TellerOne® vs Kite Finance

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.

Kite – Get Paid Globally **With Kite you can easily open a Global Bank Account in minutes for free.** Send and Receive payments from your clients and employers globally. Spend funds using your virtual cards. Save and grow your money over a period of time. **USD account and USD dollar cards** Access a USD account with a USD dollar in your name in less than 24 hours. Initiate USD payments from the comfort of your home and get paid faster using your IBAN. Create USD cards that works across thousands of websites such as Netflix, facebook, AWS, Spotify, Apple music, HBO and more Travel abroad and effortlessly spend globally with your card. **HOLD AND EXCHANGE MONEY IN DIFFERENT CURRENCIES** Hold funds in our complimentary multi-currency wallet that lets you hold money in Euros, British Pounds Sterling, US Dollars, and Nigerian Naira. Exchange at the best rate and send money in any of the supported currencies no matter where you live in the world.