KOLAKASH AGENT vs IB Access

The KolaKash Agent app is to be used by agents and sub agents to assist customers while also earning commission on most transactions. Transactions include: - Customer sign up/enrollment - Customer “add cash” and “cash out” - Bill Pay - Buying Airtime - Remittance - Gift card creation The app can also be used to: - Manage accounts for cashiers and staff - Add subagents - Manage float transfers - View and manage commissions - Engage with customers whenever, wherever at anytime

IB Access is a secure mobile banking app that lets registered customers manage their accounts from their iPhone, 24 hours a day. ACCOUNTS • View balances for all your linked accounts • Mini statement and full account statement (mPassbook) • Download or share statements TRANSFERS • Transfer between your own accounts • Send money to other customers of the same bank • Transfer to accounts at other banks • Quick transfer and QR code payments • Merchant payments • Every transaction is confirmed with your Transaction PIN and OTP BENEFICIARIES • Add, view and manage beneficiaries for faster repeat transfers PAYMENTS • Tax and revenue authority payments • Customs e-Payment • Utility bill payments • School fee payments CARDS AND SERVICES • Block or unblock your card and manage card limits • Request a cheque book, stop a cheque, check cheque status • Set your transaction limits SECURITY • Login PIN and separate Transaction PIN • OTP verification for sensitive actions • Encrypted communication with the banking servers • Change or reset your PIN and TPIN in the app SUPPORT • Locate branches and ATMs on the map • Contact customer care directly from the app REGISTRATION IB Access is available to existing customers with a registered mobile number. Register in the app with your account details and the activation code sent to your registered mobile number, then set your PIN. IB Access is developed and published by Pan African Capital Group, LLC.