WORK GLOBALLY. BANK LOCALLY.

Diaspora Banking WORK GLOBALLY. BANK LOCALLY. Diaspora Banking, Equity Center 5th floor Hospital Road, Upper hill, Nairobi, Kenya P.O Box 75104-00200 Nairobi, Kenya Email: Kenyans.abroad@equitybank.co.ke Web page: http://ke.equitybankgroup.com/diaspora/ Tel: +254763026481/2/3/4/8, +254763026541/533, +254763026637/433/358/465, www.ke.equitybankgroup.com, @KeEquityBank KeEquityBank

Equity Centre, Equity Bank Headquarters Thika Super Highway, one of the most advanced road network systems in East Africa Best AI Financial Reporting Company in Africa - Africa Investor, 2009 Microfinance Bank of the Year - African Banker Awards, 2008 & 2009 Yara Laureate for a Green Revolution in Africa - Yara Foundation, 2009 World Entrepreneur Of The Year Award - Ernst & Young, 2012 Africa Most Innovative Bank - African Banker Awards, 2012 Africa Best Managed Company - Euro Money, 2012 Global Vision Award in Microfinance - Microfinance G8 Vision Summit, 2007 Best Performing AI 100 Company in Africa - Africa Investor Awards, 2008 & 2009 Banking Super brand in East Africa - Super Brands awards, 2008 & 2009 Emerging Markets Most Sustainable Bank of the Year in Africa & Middle East, 2009 Best performing AI 40 company of the year in Africa -Africa Investor, 2010 African Banker of the year, Dr. James Mwangi - African Banker Awards, 2010 & 2011 African Business of the Year- Africa Business Awards, 2009 Africa s CEO of the year, Dr. James Mwangi - Africa Investor Series Awards, 2009 Forbes Africa Person Of The Year - Dr. James Mwangi, CBS, 2012 Africa s Most Innovative Bank- African Banker, 2012 Global Emerging Markets new Sustainable Champions - World Economic Forum, 2012 Lifetime Achievement Award, Think Business- Dr. James Mwangi, 2012 Best Bank in Kenya - Think Business, 2012 Best Initiative in Support of SME s And The Millennium Development Goals - Africa Investor, 2011 Kenya Bank of The Year Euromoney, 2011 & 2013 Over 8.5 million account holders have created this African success story Championing the socio-economic prosperity of the people of Africa

1 http://ke.equitybankgroup.com/diaspora/ Table Of Content EQUITY BANK 1) DIASPORA BANKING 1 2) BANK ACCOUNTS 1 2.1) KENYA SHILLING ACCOUNTS 1 2.1.1) DIASPORA PERSONAL ACCOUNT 1 2.1.2) DIASPORA CURRENT ACCOUNT 2 2.1.3) DIASPORA BUSINESS ACCOUNT 2 2.1.4) DIASPORA BUSINESS CURRENT ACCOUNT 3 2.1.5) JUNIOR MEMBER ACCOUNT 5 2.1.6) JIJENGE ACCOUNT 5 2.1.7) CALL/FIXED DEPOSIT ACCOUNT 7 2.2) FOREIGN CURRENCY ACCOUNTS 7 2.2.1) DIASPORA PERSONAL FOREX ACCOUNT 7 2.2.2) DIASPORA CURRENT FOREX ACCOUNT 9 2.2.3) DIASPORA BUSINESS FOREX ACCOUNT 9 2.2.4) DIASPORA BUSINESS FOREX CURRENT ACCOUNT 11 2.3) HOW TO OPEN AN ACCOUNT 11 2.3.1) ACCOUNT OPENING PORTAL 11 2.3.2) EMAIL THE APPLICATION FORMS 12 2.3.3) POST THE APPLICATION 2.4) HOW TO ACCESS AN ACCOUNT 12 2.4.1) INTERNET BANKING 12 2.4.2) MOBILE BANKING (EAZZY 24/7) 12 2.4.3) VISA DEBIT CARD 13 2.5) HOW TO DEPOSIT MONEY IN YOUR EQUITY BANK ACCOUNT 15 2.5.1) SWIFT SERVICE 15 2.5.2) MONEYGRAM OR WESTERN UNION SELF FUNDING 15 2.5.3) VISA PERSONAL PAYMENTS (VPP) 15 2.5.4) PAYPAL 16 2.5.5) UAE EXCHANGE 16 2.6) HOW TO TRANSFER MONEY TO OTHER BANKS 17 2.6.1) SWIFT SERVICE 17 2.6.2) ELECTRONIC FUNDS TRANSFER (EFT) 17 2.6.3) REAL TIME GROSS SETTLEMENT (RTGS) 17 2.6.4) STANDING ORDER 17 EQUITY BANK Equity Bank Group is one of East Africa s leading banks whose purpose is to transform the lives and livelihoods of the people of Africa socially and economically by availing them modern, inclusive financial services that maximize their opportunities. The Bank has evolved to become an all inclusive bank, with over 8 million accounts which make over 50% of all bank accounts in Kenya making it the largest bank in customer base in the region. The Bank has operations in Kenya, Uganda, South Sudan, Rwanda, and Tanzania and is listed on the Nairobi Securities Exchange and Uganda Securities Exchange. 3) INVESTMENT AND INSURANCE SERVICES 17 3.1) CUSTODIAL SERVICES 17 3.1.1) HOW TO TRADE AT THE NAIROBI SECURITIES EXCHANGE (NSE) 17 3.2) INSURANCE 19 3.3) ADVISORY SERVICES 19 4) CREDIT 20 4.1) DIASPORA MORTGAGE/ CONSTRUCTION LOAN 20 4.2) PLOT PURCHASE LOAN 20 4.3) ASSET FINANCE 21 4.4) BUSINESS LOANS & OVERDRAFTS 21 4.5) PERSONAL LOANS 21 4.6) TRADE FINANCE 21 5) EQUITY DIASPORA AGENTS 21

1 http://ke.equitybankgroup.com/diaspora/ 1) Diaspora Banking We offer a wide range of services to suit your banking needs while you are living and working abroad. At Equity Bank Diaspora Banking, you are guaranteed the following; Dedicated, qualified and professional staff A 24hr contact centre to handle your queries Quick resolution of queries World class service that is tailored to suit your unique needs 2) Bank Accounts 2.1) KENYA SHILLINGS ACCOUNT 2.1.1) Diaspora Personal Account 2.1.2) Diaspora Current Account 2.1.3) Diaspora Business Account 2.1.4) Diaspora Business Current Account 2.1.5) Junior Member Account 2.1.6) Jijenge Account 2.1.7) Call/Fixed Deposit Account 2.2) FOREIGN CURRENCY ACCOUNTS 2.2.1) Diaspora Personal Forex Account 2.2.2) Diaspora Current Forex Account 2.2.3) Diaspora Business Forex Current Account 2.2.4) Diaspora Business Forex Account 2.1) KENYA SHILLINGS ACCOUNTS 2.1.1) Diaspora personal Account This is an account for those looking for a convenient and affordable way to manage their finances. Features: No minimum balance required to open or operate the account Free monthly E-statements No monthly account maintenance fee No limit on the frequency of withdrawals The account earns interest that is credited at the end of the year Access to a Visa debit card Access to Internet banking and mobile banking

http://ke.equitybankgroup.com/diaspora/ 2 A coloured passport size photo A copy of the your Kenyan ID (front and back) or a valid Passport (first and last page) Address verification document (Electricity bill, Driver s licence etc) Email indemnity *All copies need to be notarized by a lawyer or notary public 2.1.2) Diaspora Current Account This account affords you the flexibility of performing your day to day transactions in a fast and efficient manner. Features: No minimum balance required to open or operate the account Free monthly E-statements No monthly account maintenance fee No limit on the frequency of withdrawals Get a cheque book on request Access to Visa Access to Internet & mobile banking A coloured passport size photo A copy of the your Kenyan ID (front and back) or a valid Passport (first and last page) Address verification document (Electricity bill, Driver licence etc) Email indemnity *All copies need to be notarized by a lawyer or notary public 2.1.3) Diaspora Business Account Are you a registered business owner looking for a convenient way to manage your finances while away from home? The Diaspora Business account is tailor made for you. Features: No minimum balance required to open or operate the account Free monthly E-statements No monthly account maintenance fee No limit on the frequency of withdrawals The account earns interest that is credited at the end of the year Access to internet & mobile banking Access to Visa

3 http://ke.equitybankgroup.com/diaspora/ Kenyan Identification card or Kenyan valid Passports of the directors and colored passport photos Directors Tax PIN certificate Certificate of incorporation Memorandum of understanding Articles of association Resolution signed by the directors on the business letter head and sealed Business Tax PIN certificate *All copies need to be notarized by a lawyer or notary public If the business is registered as a partnership or sole proprietorship, below are the requirements: Kenyan Identification card or Kenyan passport of the director(s) and coloured passport photo(s) Directors Tax PIN certificates Business Tax PIN certificate Business registration certificate Resolution to open an account 2.1.4) Diaspora Business Current Account This account is perfect for registered businesses that have many day to day transactions. They are able to do this in a fast, safe and convenient way. Features: No minimum balance required to open or operate the account Free monthly E-statements No monthly account maintenance fee No limit on the frequency of withdrawals Get a cheque book on request Access to corporate Internet banking Kenyan Identification card or Kenyan passport of the directors and colored passport photos Directors Tax PIN certificates Certificate of incorporation Memorandum of understanding Articles of association Resolution signed by the directors on the business letter head and sealed Business Tax PIN certificate

http://ke.equitybankgroup.com/diaspora/ 4 Your bank account is just a click away. Access it any time, anywhere on http://ke.equitybankgroup.com/diaspora/

5 http://ke.equitybankgroup.com/diaspora/ If the business is registered as a partnership or sole proprietorship, below are the requirements; Kenyan Identification card or Kenyan passport of the director(s) and colored photo(s) Directors Tax PIN certificates Business Tax PIN certificates Business registration certificate Resolution to open an account. *All copies need to be notarized by a lawyer or notary public 2.1.5) Junior Member Account This is an account for those looking to cultivate a savings culture in their children while at the same time teaching them how to manage their finances. Parents can also put away money for use in the future for their children Features: Free cash deposits No minimum balance required to open or operate the account The account is operated by the parent/guardian There are three free withdrawals per year E-birthday card every year for the account holder Copy of child s birth certificate/ birth notification Copy of the parents/guardian s Identification card and passport size photo *All copies need to be notarized by a lawyer or notary public 2.1.6) Jijenge Account Take advantage of this avenue which allows you to save small fixed amounts to build a lump sum and earn interest in the process Features: This is a savings avenue that can allow savings of small fixed amounts to build up to lump sums You can determine how much you would want to save Access to instant emergency loans of up to 90% of savings at competitive rates with your Jijenge account as security Minimum savings period of six months A coloured passport size photo A copy of the your Kenyan Identification card (front and back) or passport (first and last page) Address verification document (Electricity bill, Driver s licence etc) Email indemnity *All copies need to be notarized by a lawyer or notary public

7 http://ke.equitybankgroup.com/diaspora/ 2.1.7) Call/Fixed Deposit Account A Fixed Deposit Account would be appropriate if you have a lump sum amount which you would wish to invest for a certain period of time at very competitive interest rates. Features: Allows immediate borrowing of up to 80% of money in the account The customer with an existing call/fixed deposit account can use this to get a secure letter of credit The call account is for a flexible period of time and can be terminated upon your request The fixed deposit account is opened for a predetermined period of time at an interest rate that is agreed upon. The customer should have an account with us Complete a Fixed Deposit application form Have an operative account A copy of your Kenyan Identification card (front and back) or a valid Passport (first and last page) Email indemnity *All copies need to be notarized by a lawyer or notary public 2.2) Foreign Currency Accounts A Foreign Currency Account can be open in the following major currencies; - US Dollar - Great Britain Pound - The Euro - South African Rand 2.2.1) Diaspora Personal Forex Account Features: No minimum balance required to open or operate the account Free monthly E-statements Zero account maintenance fee No limit on the frequency of withdrawals Access to Internet banking Access to Visa A coloured passport size photo A copy of your Kenyan Identification card (front and back) or valid Passport (first and last page) Address verification document (Electricity bill, Driver s licence etc) Email indemnity *All copies need to be notarized by a lawyer or notary public

N E M I C E P S Enjoy competitive forex rates with us.

9 http://ke.equitybankgroup.com/diaspora/ 2.2.2) Diaspora Current Forex Account Features: You can get a foreign currency cheque book No minimum balance required to open or operate the account Free monthly E-statements No monthly account maintenance fee No limit on the frequency of withdrawals Access to Internet banking A coloured passport size photo A copy of your Kenyan Identification card (front and back) or passport (first and last page) Address verification document (Electricity bill, Driver s licence etc) Email indemnity *All copies need to be notarized by a lawyer or notary public 2.2.3) Diaspora Business Forex account Features: Zero operating balance Free monthly E-statements Zero account maintenance fee No limit on the frequency of withdrawals Kenyan Identification card or Kenyan passport of the directors and colored passport photos Directors Tax PIN certificates Certificate of incorporation Memorandum and articles of association Resolution signed by the directors on the business letter head and sealed Business PIN certificate If the business is registered as a partnership or sole proprietorship, below are the requirements; Kenyan Identification card or Kenyan passport of the director(s) and colored passport photo(s) Directors Tax PIN certificates Business Tax PIN certificate Business registration certificate Resolution to open an account *All copies need to be notarized by a lawyer or notary public

Work Globally, Bank locally Available to all Kenyans including those in the Diaspora.

11 http://ke.equitybankgroup.com/diaspora/ 2.2.4) Diaspora Business Forex Current Account Features: The customer can get a foreign currency cheque book on request No minimum balance required to open or operate the account Free monthly E-statements No monthly account maintenance fee No limit on the frequency of withdrawals Access to corporate Internet banking Kenyan Identification card or Kenyan passport of the directors and colored passport photos Directors Tax PIN certificates Certificate of incorporation Memorandum and articles of association Resolution signed by the directors on the business letter head and sealed Business Tax PIN certificates If the business is registered as a partnership or sole proprietorship, below are the requirements; Kenyan Identification card or Kenyan passport) and colored photo(s) Directors PIN certificates Business PIN certificate Business registration certificate Resolution to open an account. *All copies need to be notarized by a lawyer or notary public 2.3) How To Open An Account There are various ways a customer can open an account. These are; 2.3.1) Account Opening Portal TO OPEN AN ACCOUNT ONLINE USING THE PORTAL Kindly follow the steps below; 1) Type the link below on the URL field: http://ke.equitybankgroup.com/diaspora/ 2) Follow the prompts to register your profile. 3) Please note that an activation code will be sent to the email address in our records. Allow up to ten minutes to receive the activation code.

12 4) Once activated, please proceed with the account opening process. 5) For ease of the account opening process, please have the following documents saved on your computer in either of the following formats: Bmp, jpg or png. A passport size photo. A scanned copy of a Kenyan Identification card /Passport (first Page, second Page, last page and the renewal page if the passport has expired). A scanned utility bill or drivers license (for address verification) A signature card (to be downloaded from the portal, signed and scanned) The attachments above should have the following dimensions; a) A width of at least 400mm b) A height of at least 300mm. c) Maximum size should be 2mb. 2.3.2) Email The Application Forms - Complete the forms and forward directly to our email Kenyans.abroad@equitybank.co.ke - Download the forms from our website www.ke.equitybankgroup.com/diaspora - Send the forms to your nearest Equity agent - The agent will assist in case you need help in filing the forms 2.3.3) Post The Application Follow the below steps; - Download the forms from our website http://ke.equitybankgroup.com/diaspora/ - Fill the forms - Attach the following documents; Passport size photo Kenyan Identification card or Passport copy Utility bill (for address verification) A filled and signed Email indemnity form - Post to the agent near you or post the application directly to us 2.4) How To Access An Account The customer is able to access their account easily and conveniently via the following channels; 2.4.1) INTERNET BANKING This is a convenient, flexible and easy way to access your account and initiate transactions at will at any time.

13 http://ke.equitybankgroup.com/diaspora/ Features View account balance and mini-statements Transfer of funds to other Equity Bank accounts in real time Transfer of funds to recipients in other local banks through Electronic funds transfer Request for a Bankers Cheque to be collected by a nominated person from a desired Equity Bank Branch countrywide. Cheque book request Access RTGS and SWIFT services Set up standing orders View cheque clearing status Pay bills How do I apply for Internet banking? Download the e banking application form Link: http://ke.equitybankgroup.com/equitydias/index.php/blog/view/internet-banking Duly fill and sign the form Scan and send the form to us on: Kenyans.abroad@equitybank.co.ke Await response from the branch officials with passwords and log in ID 2.4.2 MOBILE BANKING ( EAZZY 24/7) Through this facility, you are able to access your account and initiate transactions via any Internet-enabled phone. Features Do Funds Transfers Balance inquiry: Access account balances in real-time Access mini statements for the last 10 transactions in the account Stop a Cheque or Debit card should either be stolen or misplaced Eazzy Cash: You can send /transfer funds from your account directly to M-Pesa and Orange Money Loan Repayments: Make repayments to a linked loan account easily on Eazzy 24/7 Pay bills View FOREX rates View stock exchange rates Download the Eazzy 24/7 application form via the link below; http://www.ke.equitybankgroup.com/equitydias/uploads/default/eazzy247-appication-form.pdf Duly fill and sign the form Scan and send the form and a copy of Kenya Identification card or Passport to Kenyans.abroad@equitybank.co.ke 2.4.3) Visa Debit Card Welcome to the world of Visa. You can access your funds 24/7 at any Visa branded ATM, shop at any location that has a Visa enabled point of sale and shop online at no extra cost. You can also use your card to shop online or at a Visa enabled point of sale at no extra charge. Take advantage of this safe and convenient service by applying for the Equity Visa Debit card today.

http://ke.equitybankgroup.com/diaspora/ 14 Enjoy the convenience of having your bank account at your finger tips with Eazzy 247. Register with us for mobile banking today.

15 http://ke.equitybankgroup.com/diaspora/ How do I apply for Visa card? Download the visa application form via the link below; http://www.equitybank.co.ke/kenya/images/stories/forms/atmapplication.pdf Duly fill and sign the form Scan and send the form and a copy of your Kenyan Identification card or Kenyan Passport to Kenyans.abroad@equitybank.co.ke 2.5 How To Deposit Money In Your Equity Bank Account There are various channels which you can use to be able to put money in your account. These are; 2.5.1) SWIFT SERVICE - With this service, you can transfer money from your bank account abroad directly to your account at Equity Bank. You will need the following information in order to do a SWIFT transfer; - Equity Bank s SWIFT code which is EQBLKENA - The recipient/ beneficiary name, account number and Equity Branch. For more information, please visit our website: http://ke.equitybankgroup.com/diaspora/ 2.5.2) MONEYGRAM OR WESTERN UNION SELF FUNDING - You can send money to your own account directly. These modes are secure, reliable and convenient. You can do so by giving sending instructions whereby, you are both the sender and the recipient. This way, you will be sending money to yourself. Here is how it works; 1) The customer sends money via Western Union or MoneyGram to him/herself. 2) The customer sends an email to Kenyans.Abroad@equitybank.co.ke with the following details: Names of the sender. Names of the receiver. Originating country. Amount sent. Test Question and answer. Equity Bank Account number to credit. Filled Email indemnity form (if the account does not already have one maintained) Contact details of sender. 3) The Diaspora banking relationship officer calls the sender for verification of details sent via Email and also to obtain the MTCN or Reference number. 4) After all the details have been verified, funds are moved from Western Union/ Money Gram to the customer s bank account. 5) A notification email is sent to the customer when funds are credited. 2.5.3) VISA PERSONAL PAYMENTS (VPP) Equity Bank has partnered with Visa to come up with this cost effective, fast, convenient and secure way for people to transfer money from one card number to another, both locally and internationally using Visa branded Cards through Equity ATMs countrywide and into the recipient s account. Currently, the service can be originated via ATM s but it will later be rolled out into the mobile platform, points of sale and online. All Equity Bank Visa Debit, Visa Credit and re-loadable Visa Prepaid cards can be used to receive or send money via Visa Personal Payments (VPP)

http://ke.equitybankgroup.com/diaspora/ 16 The sender needs to have the recipient s 16 digit Visa card number. The number will always start with a 4 and it s printed on the front of the Visa card. The domestic sending/receiving limit is Kes180,000 whereas the international one is USD 2,000.A service fee is payable by the sender for each transaction. For international transactions this may differ according to the currency that the recipients Visa Card is denominated in. Applicable service fee will be displayed before you confirm your transaction. Customers in Kenya can be able to receive funds from the following countries: United Arab Emirates Singapore China Malaysia Taiwan Hong Kong Europe and North America will be coming soon 2.5.4) PayPal - PayPal is a payment service that enables you to accept payments, pay for goods and send or receive money without revealing your financial information anywhere in the world. You are able to access this service by opening a PayPal account. PayPal is the safer, easier way to pay and get paid online. PayPal s partnership with Equity Bank enables one to transfer money from one PayPal account to a PayPal account that has a Kenyan address and then directly into their Equity Bank account. You would need to open a Kenyan PayPal account via the following link https://www.paypal.com/ke to be able to use this service. Please note that an account verification code will be sent to your bank account statement. You will need to key in this code on the PayPal website to complete the account verification process, The Equity Bank withdrawal service with PayPal works as follows; The withdraw service is exclusive to Equity Bank customers, and is only available and accessible through https://epal.equitybankgroup.com/paypal/pages/ Click withdraw from PayPal and select what applies to you Specify your account number and click submit A One Time Pin (OTP) is sent to the email address in your account profile Access your email after 10 minutes and retrieve your OTP Key in the OTP and click submit Key in the personal details and click submit Accept the terms and conditions and quote Click confirm on the confirmation screen You will be redirected to the PayPal login page After a successful login, the withdrawal page will appear. Click PayNow to authorize the withdrawal. A successful withdrawal gives a finish page. Click finish Please note that you will receive two emails. One will contain the transaction reference number and the other will have a withdrawal receipt from PayPal.

17 http://ke.equitybankgroup.com/diaspora/ 2.5.4) UAE EXCHANGE - UAE Exchange Centre LLC, established in 1980, is one of the leading remittance and exchange houses in the world. The partnership between Equity Bank and UAE Exchange enables our customers to transfer money by visiting UAE Exchange outlets all over the world. UAE Exchange s direct presence spans 30 countries with over 670 outlets. It also has 170,000 agents in 150 countries. 2.5.5) Equity Direct - This is a real-time online multi-currency money transfer service provided by Equity Bank Limited in partnership with VFX financial PLC in the UK. Using Equity Direct, you can send money instantly from the UK to accounts maintained at Equity Bank. Currencies that can be sent include KES, GBP, USD and EUR. To register for the service visit www.equitydirect.co.ke for more details. 2.6) How to transfer money to other banks 2.6.1) SWIFT SERVICE- With this service you can transfer money from your Equity Bank account to other banks. For more information, please visit our website. 2.6.2) ELECTRONIC FUNDS TRANSFER (EFT) - You can use this mode to transfer money from your Equity Bank account to another bank in Kenya. 2.6.3) REAL TIME GROSS SETTLEMENT (RTGS) - You can use this mode to transfer money from your Equity Bank account to another bank. This transfer goes through on the same day. How can a customer initiate a funds transfer? Download the funds transfer form from our website Duly fill and sign a funds transfer form and send it to Kenyans.abroad@equitybank.co.ke 2.6.4) STANDING ORDER - If a customer would like to have some money transferred to a certain account within Equity Bank or in any other bank in Kenya at a specific time, they can request to have a standing order maintained. To apply for a standing order; Download the standing order form from our website Duly fill and sign the form Scan and email the form back to us via Kenyans.abroad@equitybank.co.ke To cancel an existing standing order; Download the standing order form from our website Duly fill and sign the form- Indicate it is a cancellation Scan and email the form to us via Kenyans.abroad@equitybank.co.ke *The above services can be accessed conveniently through our Internet banking. 3) Investment and Insurance Services 3.1) CUSTODIAL SERVICES If you are looking to invest in Treasury Bills, Treasury Bonds and Corporate Bonds, Commercial Papers and other assets such as local and foreign Unit Trusts and offshore investments, then the Custodial services are meant for you.

http://ke.equitybankgroup.com/diaspora/ 18 Makecompetitive informed investment Enjoy forex decisions rates with us. by consulting our team of experts

19 http://ke.equitybankgroup.com/diaspora/ 3.1.1) HOW TO TRADE AT THE NAIROBI SECURITIES EXCHANGE You can buy and sell shares in the Nairobi Securities Exchange (NSE) through Equity Bank.To do so, you are required to open a Central Depository System corporation (CDSC) account with us, or transfer your existing CDSC account to Equity Bank. for Central Depository System account opening - Fill a CDS account opening form - You can open a new CDSC account with Equity Bank or transfer existing CDSC account to Equity Bank at no charge. - A colored passport size photo - Kenyan Identification card (Front and back) or Kenyan passport ( First, second and last page and renewal page if passport is expired) - To transfer an existing CDSC account to Equity Bank you are required to complete a CDS 4 A/B form To buy shares; Download the share purchase order form online Link: http://www.equitybank.co.ke/kenya/images/stories/forms/shares_purchase_order_form.pdf Duly fill and sign the form Email it to us on Kenyans.abroad@equitybank.co.ke Ensure there is enough funds in your account for the purchase To sell shares; Download the sale order form Link: http://www.equitybank.co.ke/kenya/images/stories/forms/shares_sales_order_form.pdf Duly fill and sign the form Email it to us on Kenyans.abroad@equitybank.co.ke To check the securities prices, please visit the NSE website at https://www.nse.co.ke/ 3.2) Insurance A Kenyan living abroad can access various Insurance products and services for their loved ones in Kenya or for property and interests that they have in the country. These products/services are; - EQUIMED is a unique insurance product that is offered to both individuals and groups with various flexible options to choose from. The cover is also enhanced to include conditions ordinarily not covered under conventional medical insurance policies and has a wide range of limits to choose from. - PROPERTY INSURANCE This product offers insurance on property against direct loss or damage, consequential loss, and loss due to liability for damages. It provides protection against most risks such as fire, theft and some weather damage. This covers specialized forms of insurance such as fire, flood, earthquake and home insurance. 3.3) Advisory Services We have a team of experts who advice our customers on various investment opportunities that are available in Kenya. We do this in the following areas; - We do project appraisal, evaluation and management to ensure proper application of funds and maximum return on investment - We assist the customer assemble a team of experts to carry out large real estate developments right from the architects,

http://ke.equitybankgroup.com/diaspora/ 20 contractors as well as advice on the regulatory approval processes. - We offer International trade finance advisory services. 4) Credit Our credit facilities are available to all our customers living abroad. We can process your requests to completion while you are abroad. 4.1) Diaspora Mortgage/Construction Loan Finding the right home and the right mortgage or being able to make the proper construction decision, helps set a solid foundation for successful homeownership. This credit facility will give you the right tools and information to help you with your home buying or construction decisions. Features: The customer can access credit facilities towards getting a Mortgage The customer can access credit facilities for construction of residential and commercial buildings A maximum of 10 years to repayment period Value added services such as competitive insurance covers, negotiated legal fees and valuation services, and competitive commitment fees and entry fees An end-to-end solution with emphasis on investment support We have a panel of experts who we recommend to you on request Identification Documents - PIN, Kenyan Identification card or Kenyan valid passport Letter from employer confirming employment and terms and emoluments Original or certified copies of pay-slips for the last 3 months Credit reference bureau report *All copies need to be notarized by a lawyer or notary public 4.2) Plot Purchase Loan Do you want to buy land and you do not have the lump sum amount to make the purchase? Our plot purchase loan is available to you at very competitive rates. Features: We finance up to 70% of the sale price or property value (as per a Valuation report) whichever is lower We use title deed as security i.e. for property being purchased or a different one Value added services such as competitive insurance covers, negotiated legal fees and valuation services, and competitive commitment fees and entry fees An end-to-end solution with emphasis on investment support We have a panel of experts who we recommend to you on request

21 http://ke.equitybankgroup.com/diaspora/ Identification Documents - PIN, Kenyan Identification card or Kenyan valid Passport Letter from employer confirming employment terms and emoluments Original or certified copies of pay-slips for the last 3 months Credit reference bureau report We require a dully-executed sale agreement and a copy of title deed *All copies need to be notarized by a lawyer or notary public 4.3) Asset Finance The Bank offers loan facilities to customers who would like to purchase business or personal assets such as personal or commercial motor vehicles, machinery and equipment. We finance up to 70% the value of the asset. The asset is taken as the security/collateral of the loan. 4.4) Business Loans And Overdrafts The bank offers secured working capital loans and overdraft facilities for business growth and expansion of already existing businesses. 4.5) Personal Loans The bank offers secured and unsecured loan facilities to salaried individuals based on their employment contracts 4.6) Trade Finance The Bank offers Bid bonds, Performance bonds, advance payment guarantees, LPO financing, letter of credit, and bank guarantees suitable for your various bank requirements. 5) Equity Diaspora Agents We have agents in various countries all over the world. A list of these agents can be accessed under the Quick links section on our website via the following link; www.ke.equitybankgroup.com/diaspora We work with our agents to offer the following services; Account origination Loan origination Money transfers Marketing of Bank financed real estate investment projects Marketing activities General inquiries

http://ke.equitybankgroup.com/diaspora/ 22 We have Equity agents in USA, Canada, UK, Germany, South Africa, Australia and the UAE.

23 http://ke.equitybankgroup.com/diaspora/ Below is a list of our current agents in different countries: USA Diaspora Link LLC- Lead Agent in USA and Canada. Located in Liberty, Missouri Thanga Investments in Bridgewater, New jersey Frank Tax in Kennesaw, Georgia Poapay LLC in Birmingham, Alabama Afrovegas Entertainment in Tracy California Washington connections in Kent, Washington Sam s Tax and Financial services in Des Moines, Iowa Remy Agency in Laramie, Wyoming W & W Business solutions in Lakewood, Washington Fabulous Beauty Supply Connections 33 Network Chania Financial Services Bichanga Real Estate Canada Essential Pesa Transfer Ltd Diamond Plus International UK MoneyLineUK Invest Now UK Ltd South Africa Nyaga Investments Mfangano Solutions Australia Invest link Capital UAE Horizon Exchange UAE Exchange Germany Pamoja Connect If you are interested in becoming our Diaspora agent, please contact us via kenyans.abroad@equitybank.co.ke