T 01 631 PAGE (7243) E customer@pagefinancials.

com
23 Norman Williams Street, Ikoyi, Lagos, Nigeria Affix recent
www.pagefinancials.com passport
photograph
here
PERSONAL ACCOUNT OPENING FORM

Account type (tick as appropriate) Loan Account Borrowings Target Plan Account Credit Card Account
The items should be completed in CAPITAL LETTERS.
Branch Account No. (for official use only)
Account Name
Personal Details
Title Mr Mrs Miss Other
First Name Middle Name
Surname Mother’s Maiden Name
Gender F M Date of Birth D D / M M / Y Y Y Y Place of Birth
Marital Status Single Married Others (specify) Bank Verification No. (BVN)
Employment Status Employed Self-employed Job Description
Official Email Address
Current Employer
Current Employer’s Address
Employer’s LGA State
Popular landmark closest to this address
Net Monthly Income (N) Number of Dependants NIN
Highest level of Education SSCE B.Sc/HND M.Sc/M.Ed Others (specify)
Contact Details
Mobile No. 1 - - Mobile No. 2 - -
Residential Address

State of Origin LGA

Personal Email Address
Nationality (for non Nigerian) Resident Permit No.
Permit Issue Date D D / M M / Y Y Y Y Permit Expiry Date D D / M M / Y Y Y Y
Valid means of identification
National ID Card National Drivers Licence International Passport *Others (please specify)
ID No. ID Issue Date D D / M M / Y Y Y Y ID Expiry Date D D / M M / Y Y Y Y
ID No. ID Issue Date D D / M M / Y Y Y Y ID Expiry Date D D / M M / Y Y Y Y
Next of kin information
First Name Middle Name
Surname
Gender F M Date of Birth D D / M M / Y Y Y Y Place at Birth
Relationship Sibling Parent Spouse Others (specify)
Mobile No. 1 - - Mobile No. 2 - -
Personal Email Address
Official Email Address
House Number Street name
City/Town NIN
How did you hear about us? Walk in Website Fliers/Banners Online Advertising
Telesales Word of mouth Radio/TV Others, specify
Salesperson Social Media Outdoor Advertising

FOR BANK USE ONLY

Address Verification carried out by
Name

Signature Date D D / M M / Y Y Y Y
Comment(s) (Address description and result finding):

Account Officer’s Signature Supervisor’s Signature

Loan Applicants Only Borrowings Applicants only
Personal Loan Mandate
Official pay day D D Amount of initial Borrowings (N)

Loan Amount Value of Borrowings (in words)

Tenor Agreed

Number of Cheques submitted:

Reason for Loan

Disbursement Details Source of Funding: Cheque Fund Transfer Card

If approved, what account would you like to receive the money in ?
Others (specify)
Account Name
Duration
30 Days 60 Days 90 Days
NUBAN Account Number
180 Days 270 Days 360 Days
Bank Name
Preferred Options to Credit Interest Payments
Acknowledgement
I hereby confirm my application for the above facility and certify that all information provided by me Interval Upfront Quarterly End of Term
Monthly
above and attached thereto is correct and complete. I authorize you to make any enquiry you consider
necessary and appropriate for the purpose of evaluating this application.
NUBAN Account Number
I/We
Bank Name
hereby apply for the opening of account(s) with Page IFSL. I/We understand that the information given
herein and the documents supplied are the basis for opening such account(s) and I/We therefore
warrant such information is correct. I/We further undertake to indemnify Page IFSL for any loss suffered as
a result of any false information or error in the information provided to page IFSL.
Applicant’s Signature

Applicant’s Signature D D / M M / Y Y Y Y
Date
Date D D / M M / Y Y Y Y

Applicant’s Signature

Date D D / M M / Y Y Y Y

TERMS AND CONDITIONS - LOANS TERMS AND CONDITIONS - BORROWINGS
These terms and conditions apply to and regulate the provision of credit facilities advanced by Page International Financial Services I confirm and agree that my Borrowings and
Limited(”Page”).These Standard Terms and Conditions, together with our offer letter set out the terms governing this Loan Agreement. It all banking transactions between me (”the customer”)
is important that you read the offer letter and these terms and conditions carefully and keep them for future reference. and Page International Financial Services Limited (”Page)
shall be governed by the conditions contained herein.
15. The amount of the prepayment adjustment is calculated by
Page taking into account the amount withdrawn, the length
of time since the borrowing was lodged as a percentage of the
original term, and the application of an adjusted rate of interest.

A. INTEREST General Terms Breach of Prevailing Laws

.
i. The Annualized Percentage Rate of Interest (”APR”) for the direct Loan Account are (- %) or at such higher rate which Page may 1. Definitions: Page means Page International Financial
Services Limited’ . Business day means a day on which
in its sole discretion (subject to applicable laws and regulations) determine from time to time and also varied by Page under Nigeria Bannks are open for business; . Borrowings means
subclauses a(ii) and/or a(iii) below.
funds from customers‘You’;‘your’ means the customer
ii. Page may in its sole discretion increase or decrease the prevailing interest rate for any reasons and who is the person or persons in whose n a m e t h e f i x e d
iii. Any change in interest rate will take effect on the borrower’s account following a minimum of 7 days written notice. deposit is held.
iv. All charges will be capitalized into the interest calculation. 2. Page will not open or operate the requested account
unless and until it has received the required supporting
documentation for the account.
B. PAYMENTS 3. Page is hereby authorized to undertake all “Know Your
Customer” (KYC) procedures specified by applicable laws
All payments by the Borrower will be made by one of the following methods: Direct Deposit at Page, Personal Cheque, Standing
Order or through an acceptable electronic channel. All other methods will be accepted with Page’s consent only. in particular: and/or regulations and/or Bank policies.
i. The borrower will be given a dedicated and customized repayment plan upon approval of the loan application; 4. Page may without prior notice impose or change the
ii. The Borrower will be expected to make monthly repayments in accordance with the repayment plan minimum balance requirements for the borrowings or
iii. The Borrower will be sent an electronic message or SMS alert two (2) working days -before each monthly repayment date and alter the applicable interest rate(s) or the charges relating
the Borrower hereby agrees that such notice shall be conclusively deemed received by the Borrower without need of any further to such account.
5. Page is authorized where the balance standing to the
notice.
iv. The Borrower hereby agrees that non-payment of the amount owed by the Payment Due Date shall render the Borrower in borrowing is below the required minimum balance.
default and entitles Page to take steps to recover the outstanding loan amount in accordance with clause E below. to either amend the rate(s) of interest payable or close the
account.
C. PROVISION OF FINANCIAL INFORMATION Term of Deposit
At our request, you will be required to provide us with your last financial statements, contingent liability details and any other 6. The Minimum term for which the customer’s borrowing can
reasonable information relating to you and/or your financial affairs. be held is sixty (60) days.
7. The Maximum term for which the Customer’s borrowing
D. USE OF CREDIT BUREAU can be held is three hundred and sixty (360) days.
Page will approach a dedicated Credit Reference Agency for a credit report on the Applicant in considering any application for
credit Payment of Interest
The Borrower authorizes Page to access any information available to it as provided by the Credit Agency. The Borrower also 8. The interest rate applicable to the Customer’s borrowing is
agrees that his/her details and the loan application decision will be registered with the Credit Agency. fixed at the time of lodgment for the whole of
In the event the Borrower wishes to access the credit report, Page will advise the Borrower of the contact details of the relevant the nominated term. Page may vary the interest rates on
credit agency and the Borrower waives any claims he/she may have against Page in respect of such disclosure. offer for new borrowings at any time without notice.
9. Interest is calculated daily on the balance of the
E. DEFAULT borrowing, commencing on the first day of the lodgment
Default in terms of this Agreement will occur if: term and excluding the date of maturity. Unless otherwise
v. The Borrower fails to make repayment in full, on or before the payment date in accordance with the monthly repayment plan given to stated, the Customer may choose one of the following
the Borrower interest payment options:
vi. Any representation, warranty or assurance made or given by the Borrower in connection with the application for this loan or any a. Interest credited to a nominated bank account every end
information or document supplied by the Borrower, is later discovered to be materially incorrect; or of month.
vii. The Borrower does or omits to do anything which may prejudice Page’s rights in terms of this Agreement or course Page to suffer any loss b. interest credited to a nominated bank account upon
or damage. maturity
If the Borrower defaults in their obligation under this Agency, Page will be entitled to do the following:
Maturiry
Page will on each Repayment Date collect the total amount payable by that date in accordance with the repayment plan schedule 10. Page will issue a renewal notice approximately three days
given to the Borrower. where the Borrower fails to honor their obligation to repay their total monthly repayment amount by the due date. prior to the borrowings maturing, unless the tenor was for
Page will attempt to collect the outstanding amount within the next twenty-four(24) hours. less than 60 days. this notice will seek instructions for
Where more than forty-eight (48) hours have elapsed since the repayment date and the repayment amount (total or partial) still remains renewal or redemption of the tenured deposits.
outstanding . Page will start calculating accelerated interest at the rate 30% plus the applicable borrowing interest rate. Following the 11. Where instructions are not received prior to the date of
borrower’s default, page reserves the right to assign its right, title and, interest under the Agreement an external Collections Agency maturity. Page will renew the borrowing for the same
investment term as before at the interest rate currently
who will take all steps to collect the outstanding loan amount.
applicable and on the terms and conditions then applying
Page also reserves the right to start legal proceedings against the defaulting Borrower and is under no obligation to inform the Borrower to new standard borrowings. The interest rate
before such proceedings commence. applicable to the new tenor Deposit may be significantly
Page will be entitled to terminate this agreement (after service of any notice required there under) if the Borrower in any way different, higher or lower, to the interest rate applied in the
perpetrates or attempts to or is involved in any act of fraud or other criminal activity in respect of Page International Financial Services previous terms as a consequence of market rate
Limited or the Loan, or if any in formation provided by the Borrower as part of the application is incorrect or misleading in any material movements. Also, the borrowings terms giving the best
nanner. On such termination, Page reserves the right to demand repayment of full loan amount with interest calculated in the same interest rates may change from time to time. it is
manner as in sub-clause (2) above. Hold the Borrower responsible for legal costs and expenses incurred by Page attempting to obtain recommended that the Customer contact Page on or
before the maturity date to determine if the rate that
repayment any outstanding loan balance owed by the Borrower. interest on any amount which becomes due and payable shall be
applies to the renewed borrowings meets their needs.
charged in accordance with sub clause 2 above. 12. Were the Customer has previously giving the Bank
instructions that all or part of their borrowings should be
F. COMMUNICATION paid to a nominated account monthly or at the Bank on
The Borrower agrees that Page may communicate with them by sending notices, messages, alerts and statements in relation to this maturity. the Customer is not able to change or cancel
Agreement in the following manner: those instructions on or after the maturity date.
I. To the most recent address Page holds for the Borrower on file.
ii. By delivery to any email address provided during the application process. Withdrawal in Advance of Maturity
iii. By delivery of an SMS to any mobile telephone number the Borrower has provided to Page. 13. Where the Customer requests to withdraw their funds prior
to the maturity date, Page may, in its absolute discretion
G. MISCELLANEOUS approve a request for early withdrawal in which case a
i. This Agreement shall be governed by the laws of the Federal Republic of Nigeria and shall be subject to the jurisdiction of the courts of prepayment adjustment will be effected and an early
the Federal Republic of Nigeria. withdrawal fee levied.
ii. If Page does not strictly enforce its right under this Agreement (including its right to insist on the repayment of all sums due on the
14. where on early withdrawal fee is deemed applicable due
Repayment Due Date) or grant the Borrower an indulgence, Page will not be deemed to have lost those rights and will not be prevented
to withdrawal in advance of maturity, such fee shall be
from insisting upon its strict rights at a later date.
iii. Page reserves the right to transfer or assign its right and obligations under this Agreement (including its obligation to lend money to the calculated at the rate of twenty per cent (20%) of the
Borrower or the amount owed under owed under this Agreement) to another person. Page will only tell the Borrower it such a transfer accrued interest that would have been payable on the
causes the arrangements for the administration of this Agreement to change. tenured deposit as of the date the early withdrawal
All the terms and conditions in this Page International Financial Services Limited Loan Application Package have been read understood request is processed by the Bank.
by me. I hereby accept the tern and conditions as evidenced by my signature below.
16. If it appears to Page that the Customer may:
a. be in breach of the laws of Nigeria and of any other jurisdiction
relating to money laundering or counter-terrorism: or
b. appear in a list of persons with whom dealings are proscribed by
the government or a regulatory authority of any jurisdiction:
Page may immediately do one or more of the following:
c. Refuse to process any transaction of the Customer’s;
d. Suspend the provision of a product or service to the Customer
e. Freeze the Customer’s account; or
f. Close the Customer’s account. The Customer accepts that
Page will be under no liability to them if they do any or all of the
above t h i n g s . B a n k ’ s L i m i t a t i o n o f l i a b i l i t i e s
17. The Customer agrees to hold Page free of any responsibility for
any loss or damage of borrowings with Page due to any
future Government order, law, tax, embargo, moratorium,
exchange restriction and/or all other causes beyond Page’s
control.
18. The Customer agrees to be bound by any notification of
change in the conditions governing the account directed to
the customer’s last known address and any notice or l e t t e r
(electronic o r p h y s i c a l ) s e n t t o P a g e t h e
Customer’s last know physical or electronic address shall be
considered as duly delivered and received by the Customer at
the time it would be delivered in the ordinary course of post or
electronically.
19. The Customer agrees that Page will accept no liability
whatsoever for funds handed to members of staff at any point in
time outside banking hours or outside Page’s premises.
20. The customer accepts that their attention has been drawn to the
necessity of safeguarding their password and access codes to
Page’s non- branch channels including but not limited to internet
banking telephone banking, mobile banking and sms
banking, so that unauthorized persons are unable to gain access
to it and to the fact that neglect of this precaution may be a
ground for any consequential loss being charged to the
Customer’s account.
21. The Customer accepts that any disagreements with entries on
their bank statement will be made by them within fifteen (15)
working days of the dispatch of the bank statement. failure to
receive any such notice of disagreement with the entries
inputted therein within the stipulated time frame shall amount to
acquiescence that all entries in the statements have been
rendered correctly.
Communications
22. Any communication by Page shall be deemed to have been
made as soon as it is sent to the most recent address provided
by the Customer and the date indicated on the duplicate
copy of such letter or on the Bank’s mailing list will constitute the
date on which the communication was sent.
23. Page is hereby authorized to honor or debit the Customer’s
account(s) with any and all payment instruction issued in
accordance with the mandate for the Customer’s account(s)
which bear or purports to bear the facsimile or electronic mail
signature of the person(s) whose specimen signatures have
been provided to the bank by the Customer.
Severance
24. If any of these Terms and Conditions is found to be void or
unenforceable for unfairness or any other reason. the
remaining parts of these Terms and Conditions will continue to
apply to the extent possible as if the void or unenforceable
part had never existed.
Miscellaneous
25. The Terms and Conditions stated herein shall be governed and
construed in accordance with the laws of the Federal Republic
of Nigeria. The Customer agrees that any disputes arising out of
or in connection therewith may be brought in the courts of the
Federal republic of Nigeria.
26. When disbursing interest accrued, such funds will be credited into
the same accounts as nominated by the customer.
27. This form also serve as an account opening form.

Name Name

Applicant’s Signature Applicant’s Signature

Date D D / M M / Y Y Y Y Date D D / M M / Y Y Y Y