TIERS BANK TRANSACTION MOBILE TRANSACTION CUMMULATIVE BALANCE (NGN) LEVEL 1 20, ,000 3, , 000 LEVEL 2 50, ,

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Ashlie Gregory
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1 DEFINITION 1. WHAT IS THE DIAMOND Y ELLO ACCOUNT? DIAMOND Y ELLO ACCOUNT is the safe and fast means to OPEN a Bank Account, SAVE and BORROW money from the convenience of your MTN Mobile phone. With DIAMOND Y ELLO ACCOUNT you also enjoy friendly data, SMS and call rates, while earning interest on money saved on your DIAMOND Y ELLO ACCOUNT with exciting airtime bonuses each time you use your DIAMOND Y ELLO ACCOUNT. With DIAMOND Y ELLO ACCOUNT you can; Open and operate an account through your MTN Mobile phone, without filling forms Payment of Bills (MTN post-paid bill) Apply and receive emergency loans directly from your MTN Mobile phone (currently not available). Earn interest on account balances and bonus airtime each time you use your DIAMOND Y ELLO ACCOUNT Deposit and withdraw money from our Agent locations. MTN Airtime purchase OPENING A DIAMOND Y ELLO ACCOUNT 2. WHAT ARE THE REQUIREMENTS TO HAVE A DIAMOND Y ELLO ACCOUNT? To get a DIAMOND Y ELLO ACCOUNT, you need to be; A registered and active MTN Subscriber. Customers who port into the MTN network and are in the allowed tariff plans will be able to use their offnet (numbers issued- by another network) numbers with this service. Accounts opened will operate under KYC Level 1 restrictions TIERS BANK TRANSACTION MOBILE TRANSACTION DEPOSIT PER TRANSACTION (NGN) CUMMULATIVE BALANCE (NGN) MAXIMUM SINGLE DEPOSIT(NGN) DAILY TRANSACTION LIMIT( NGN) LEVEL 1 20, ,000 3, , 000 LEVEL 2 50, , , 000 LEVEL 3 NO LIMIT NO LIMIT 100, 000 1, 000, CAN CUSTOMERS OPEN A JOINT DIAMOND Y ELLO ACCOUNT? No, it is unique to a registered MTN number. 4. HOW MUCH CREDIT DO I NEED TO HAVE ON MY LINE IN ORDER TO OPEN A DIAMOND Y ELLO ACCOUNT? You do not need any airtime to open a DIAMOND Y ELLO ACCOUNT

2 5. HOW DO I AS AN EXISTING MTN CUSTOMER OPT IN FOR THE DIAMOND YELLO ACCOUNT? Option 1:Dial *710# on your phone and follow the prompt Option 2: Visit a DIAMOND Y ELLO ACCOUNT Agent Option 3:Download Diamond Y ello App from MTN App Store( currently not available) Option 4:Select Diamond Y ello Menu under MTN Services on your phone(currently not available) 6. WHERE CAN I PICK UP MY DEBIT CARD? Diamond Y ello Verve debit cards can be picked from agents location (Not available at the moment) 7. CAN THE CARD BE USED TO WITHDRAW FROM OTHER BANKS ATM AND FOR POS TRANSACTIONS? Yes please, once concluded. BENEFITS OF THE DIAMOND Y ELLO ACCOUNT 8. CAN I SEND MONEY TO PEOPLE WHO HAVE AN ACCOUNT WITH DIAMOND BANK? YES Select Transfer money Select Account to Account transfer Follow Prompt to enter recipients detail, amount, narration. Enter your pin to authorize the transaction 9. CAN I SEND MONEY TO PEOPLE WHO HAVE AN ACCOUNT WITH OTHER BANKS? YES Select Transfer money Select Bank to Bank Transfer Follow Prompt to enter recipients detail, amount, narration Enter your pin to authorize the transaction FEATURES OF DIAMOND Y ELLO ACCOUNT 10. WHAT IS THE MAXIMUM I CAN DEPOSIT INTO MY DIAMOND Y ELLO ACCOUNT? Diamond Y ello accounts are Tier 1 accounts (like BETA and Savings Lite accounts), and as such, transactions are limited to Tier 1 limits as captured below TIERS BANK TRANSACTION MOBILE TRANSACTION DEPOSIT PER TRANSACTION (NGN) CUMMULATIVE BALANCE (NGN) MAXIMUM SINGLE DEPOSIT(NGN) DAILY TRANSACTION LIMIT( NGN) LEVEL 1 20, ,000 3, , 000

4:Select Diamond Y ello Menu under MTN Services on your phone(currently not available) 6. WHERE CAN I PICK UP MY DEBIT CARD?

3 OPERATING THE DIAMOND Y ELLO ACCOUNT 11. HOW SAFE IS MY DIAMOND Y ELLO ACCOUNT? Quite safe. During the registration process, you will be required to create a user pin which you should always remember and use for transactions. 12 HOW DO I CHECK MY DIAMOND Y ELLO ACCOUNT BALANCE? Select Bank Services. Select Check Balance Enter PIN. Wait for SMS confirmation with the message. Note also that your account balance is shown at the end of the SMS sent after every transaction performed. 13 HOW DO I DEPOSIT INTO MY DIAMOND YELLO ACCOUNT? Funds into your Diamond Y ello account via the funds transfer menu on Diamond Online. Instant Transfers through other banks Visit a Diamond Y ello Agent or Diamond Bank Branch and make cash Deposits 14 HOW DO I WITHDRAW FROM MY DIAMOND YELLO ACCOUNT? Option 1: Agent Location Option 3: ATM (currently not available) Option 2: Diamond Bank Branch 15 HOW DO I ACCESS MY ACCOUNT STATEMENT? To view statement; Select View Statement Enter your pin to authorize the transaction Currently, you can get 5 recently completed transactions through your mini statement. 16 DO I LOSE MY MONEY IF MY PHONE IS LOST OR STOLEN? Your money is safe because your Diamond Y ello Account is protected by your PIN. Replace your SIM card at any of our MTN Centers or Agent outlets. Once you activate your DIAMOND Y ELLO ACCOUNT menu, using your current DIAMOND Y ELLO ACCOUNT PIN you will be able to access your Diamond Y ello account. 17 CAN A CUSTOMER RECEIVE FUNDS FROM OTHER ACCOUNTS OR BANKS TO THEIR DIAMOND Y ELLO ACCOUNT? IS THERE A SPECIAL WAY TO INITIATE THESE TRANSFERS? Yes, the Diamond Y ello account can receive funds from other accounts and banks. There are various means of transfer but at the moment, funds can be transferred via diamond online and instant funds transfers from other banks. 18 ARE DIAMOND Y ELLO ACCOUNT NUMBERS NUBAN NUMBERS? All DIAMOND Y ELLO ACCOUNT numbers are NUBAN account numbers.

Select Bank Services. Select Check Balance Enter PIN. Wait for SMS confirmation with the message.

4 19 IN CASES OF FAILED FUND TRANSFERS, WHERE IS THE FIRST POINT OF CALL? DIAMOND BANK, MTN OFFICE OR Y ELLO FRIENDSHIP CENTER? Please dial 118 for all Diamond Y ello related issues. 20 WHAT HAPPENS IN CASES WHERE CUSTOMERS PORT TO ANOTHER NETWORK? WILL THIS AFFECT THEIR ABILITY TO ACCESS THEIR FUNDS? In the event that customer decides to port to another mobile network provider from MTN, customer will be required to open another account with Diamond Bank and transfer all credit balances to this account within two (2) days of port request and clear any outstanding debt if granted a loan facility and subsequently close the account. 21 HOW DO WE ACCESS THIS ACCOUNT? Dial *710# and select the number that matches the service of your choice. 22 AVALIABLE CUSTOMER SUPPORT CHANNEL AND ESCALATION PATH. Please dial 118 from your MTN line or 3343 (Head Office EXT) for assistance or send a mail to DiamondY ellosupport FEES & CHARGES 23 WHAT ARE THE CHARGES ON THE SERVICE? **Please refer to Fees Table ACCESSING CREDIT/LOANS (currently not available) 24 HOW DO I QUALIFY TO ACCESS LOANS Maintain an active MTN Line Run your DIAMOND Y ELLO ACCOUNT for a minimum of 3 (three) months Save regularly on your Diamond Yello Account and continuously use other MTN services such as Voice, SMS etc. 25 HOW MUCH LOAN CAN I REQUEST FOR? It depends on the type of loan and how active your account is. For EMERGENCY LOANS you may access between =N=5000 to =N=20,000 For EASY LOANS you may access between =N=20,000 to =N=100,000 (Note that this is subject to review) 26 HOW OFTEN WOULD I BE REQUIRED TO REPAY MY LOANS? It depends on the type of loan; For emergency loans you are expected to repay within 30days For easy loans you are expected to repay within a maximum of 90days installments payable monthly (Note that this is subject to review)

In the event that customer decides to port to another mobile network provider from MTN, customer will be required to open another account with Diamond Bank and transfer all credit balances to this

5 27 HOW DO I REQUEST FOR A LOAN? From 'Diamond Y ello Account' menu; Select 'LOAN' Select 'Request Loan' Enter Amount Enter PIN 28 WHAT IS THE MINIMUM AND MAXIMUM AMOUNT I CAN BORROW? The minimum amount you can borrow is N5, 000 and the maximum amount is N100, CAN I REPAY A LOAN BEFORE THE DUE DATE? Yes, the loan is payable within 30 days. However, you can repay the loan before the due date. 30 HOW DO I REPAY A LOAN? From 'Diamond Y ello Account' menu; Select 'LOAN' Select 'Pay Loan' Enter Amount Enter PIN 31 WHAT WILL I BE CHARGED FOR TAKING A LOAN? **Please refer to fee table EARNING REWARDS 1. ARE THERE ANY EXTRA REWARDS FOR USING MY DIAMOND YELLO ACCOUNT? Yes, you will earn bonus points which you can redeem periodically as airtime 2. WHAT CAN I DO WITH MY BONUS POINTS? You can use these bonus points to buy airtime, SMS, caller tunes and other MTN services 3. WHEN I RECEIVE AIRTIME VOUCHERS FROM FRIENDS AND FAMILY, IS IT POSSIBLE FOR THE VOUCHERS TO BE CONVERTED TO CASH? No, for now.

However, you can repay the loan before the due date. 30 HOW DO I REPAY A LOAN?

6 *****FEE TABLE S/N Item Fee 1 Account to Account Transfer (Diamond Y'ello) N20 2 Account to Account Transfer (outside Diamond Y'ello) N50 3 Bank to Bank Transfer (within Diamond Y'ello) N75 4 Bank to Bank Transfer (outside Diamond Y'ello) N100 Transfer to 3 rd Party Beneficiary 5 N3000 and Less N120 6 N3,001-N6,000 N180 7 N6001-N10,000 N250 8 >=N10,000 N Bill Payment N100 or 1.25% 11 Purchase of Airtime + MTN Services Free 12 Retail Payment 1.25% 13 Balance Enquiry Free 14 Mini Statement N5 15 Registration / Account Opening Free 16 PIN Change & Other Account Maintenance Free 17 Branch Free Agent 18 N3000 and Less N50 19 N3,001-N6,000 N N6001-N10,000 N >=N10,000 N ATM Free 23 Cash Deposit Free 24 Debit Card Free 25 Flat fee on Loans 5% monthly (subject to review) 26 Interest on Account Balance 2% P.A.

25% 11 Purchase of Airtime + MTN Services Free 12 Retail Payment 1.

What are the kind transactions I can perform on Ecobank MobileMoney?

What are the kind transactions I can perform on Ecobank MobileMoney? Frequently Asked Questions (FAQ) What is Ecobank MobileMoney? Ecobank MobileMoney is a convenient, secure and affordable way to carry out financial transactions using a mobile phone. Ecobank MobileMoney