TellerOne® vs Mulligan 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.

Mulligan Finance is a modern digital lending platform designed to make accessing credit fast, easy, and secure. Whether you need a quick emergency loan, a salary advance, or a business loan to support your growing enterprise, Mulligan Finance provides a streamlined experience from application to disbursement right from your mobile phone. With Mulligan Finance, getting started is simple. The onboarding process includes quick sign-up, phone number verification, and basic personal information such as name, address, email, and date of birth. Users are guided through a secure KYC process, including BVN verification, selfie capture, and uploading a government-issued ID. This ensures we maintain a secure and trustworthy lending environment. Our loan categories include: Quick Loans (up to ₦50,000) for urgent needs. Salary Loans (up to ₦1,000,000) for employed professionals. Business Loans (up to ₦10,000,000) for SMEs and entrepreneurs. Users can view loan types, understand requirements, and select a product that best suits their financial need. Once a loan is selected, the app walks the user through employment or business information collection, next-of-kin details, bank account verification, bank statement submission and debit card linking for seamless repayment. Mulligan Finance also makes loan repayment effortless. Users can view detailed repayment schedules, track payment history, and make repayments via linked debit cards. Automatic reminders are sent via email before due dates, and users receive notifications for successful or failed transactions. Default alerts help users stay aware of obligations. Additional features include: A secure wallet with virtual account top-up and withdrawal. Full profile and settings management. Biometric login and enhanced app security using transaction PINs and security questions. Access to legal documents including privacy policy, loan agreements, and terms of use. Support access via in-app features and email (support@mulliganfn.com). Mulligan Finance is your reliable financial partner for quick and accessible loans. We are committed to delivering transparency, speed, and support throughout your borrowing journey. Download now and take control of your financial goals today.