ACCESS BANK PLC

May 2022

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Our Corporate Philosophy

Our vision
To be the world’s most respected African Bank
Our mission
Setting standards for sustainable business practices that; unleash the talents of our
employees, deliver superior value to our customers and provide innovative solutions for
the markets and communities we serve.
Our core values
– Leadership
– Excellence
– Empowered employees
– Passion for customers
– Professionalism
– Innovation
Outline

1 Our Understanding of SATGURU

2 Our Value Proposition

3 Conclusion
 Brief Overview – SATGURU
Commenced its operation in the year 1989, Satguru Travel was established in Kigali (East Africa). Understanding the significance of journeys, it has made our presence over more than
68+ countries worldwide. It is counted among the leading travel companies of Africa, having a turnover of over USD 1.2 Billion as a group, 3,284 happy employees and numerous
satisfied customers. Headquartered in Dubai, Satguru Travel is the first travel service provider in Ivory Coast (Côte d’Ivoire), Togo, Burundi and Niger. Though it offers travel solutions
worldwide, strong foothold in Africa and it promotes its unique and extensive wildlife. Offering services for adventurous Wildlife Safaris is among its USP’s. It has a 360-degree any to all
your travel related questions and problems. Moving ahead with a sole purpose to transform the way of traveling, we are offering unique range of services to our clients. With our smart
travel portal, it ensures that its customers have an access to the best-in-class booking technology, smart analytics, worldwide partnerships and impeccable client servicing. It is proud to
provide its clients with end-to-end services that allow them to have stress-free travel across the globe. Some of its services include organized planning, hotels and accommodation,
corporate travel, car rentals, visa and insurance. In order to make its services suitable for every customer, it strives to inculcate comprehensive and extensive research, before offering

presence over Subsidiary Global Revenue

SATGURU was founded more than 68+ Management: $1,2 billion
in 1989, in Kigali with countries Each country
worldwide FY 2021
Headquartered in Dubai reports to
Mr. Anil Chandirani is headquarter
the founder of Satguru
Over 3,284 employees Business lines:
Travel services include organized
wordwide
planning, hotels and
accommodation, corporate
travel, car rentals, visa and
insurance

Access Bank across Africa with subsidiaries in 12 countries is willing and ready to work with you as a strategic partner in all regions across Cameroon either
directly as SATGURU and/or with your business partners.

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OUR VALUE PROPOSITION Proposition
❖ Trade Finance

❖ Credit Facilities

❖ Cash Management Solution

❖ Prepaid Cards Solution

❖ Employee value proposal

VALUE PROPOSITION Trade Finance

Trade Finance

Bonds &
Guarantees
Revolving Bonds & Guarantee line for ensuring
IATA and UN contracts, customs duties.
VALUE PROPOSITION

Bonds & Guarantee

Bank Guarantee
Product Description:
This product is a One-year revolving facility billed quarterly in arrears. The line shall be governed by the terms of audit and advisory service
contracts under bid or executed contracts with their clients

Lender: Access Bank Cameroon Plc.

Borrower: SATGURU
Beneficiary: As Provided by SATGURU
Total Limit: XAF 1,500,000,000 (One Billion Five Hundred frs CFA only)
Facility Type: Bonds & Guarantee
Purpose: To guarantee payment to IATA for flights, UN contracts, customs duties
2% p.an (or 0.5% per indivisible quarter)
Pricing:
Management Fee – 1% flat p.a capped at XAF 10mio
Tenor: 1 year, revolving
The guarantee shall be issued in favour of the requestor per SATGURU draft
Disbursement:
submitted and agreed.

Corporate Guarantee
Collateral/Security: Cash cover at issuance: 20%
Cash built up to be agreed

1. Board resolution of SATGURU accepting the facility and nominating officers to

accept on its behalf.
Conditions Precedent to
2. Offer letter duly accepted by authorized officers of SATGURU
Utilization:
3. Contract domiciliation in the books of Access Bank with documentary proof
VALUE PROPOSITION Credit Facilities

Supply Chain Platform

We are best positioned to provide funding structures to SATGURU in the following areas:

Credit Facilities ▪Medium Term Loan for the acquisition of office equipment and the purchase of
vehicles for UN contract and staff.
Medium Term Loan
for Capex ▪Working capital facilities in the form of bill discounts or overdraft facilities for the
& client’s operations and day to day treasury needs
Working Capital
Access Bank will accompany SATGURU in case of any new acquisitions or investment
requirements in Cameroon
VALUE PROPOSITION

Medium Term Loan facility

Equipment Finance
Product Description:
❑ Medium Term credit allows you to finance capital expenditure relating to the creation, extension or modernization of equipment;
❑ It can be combined with other sources of leasing financing;
❑ Maximum financing of 70% of the total cost of the investment, including working capital;
❑ Duration of the medium-term loan: 2 to 5 years.

Lender: Access Bank Cameroon Plc.

Borrower: SATGURU
Beneficiary: As Provided by SATGURU
Total Limit: XAF 300,000,000 (Tree Hundred million frs CFA only)
Equity Contribution: XAF 60,000,000 (Sixty Million FCFA Only) representing 30% of the total
financing need.
Facility Type: Medium Term Loan
Purpose: For the purcharse of cars for rent or financing of sofware if needed
Pricing: 8% per annum
Fees: Facility Fee – 1% flat on facility amount
Tenor: Based on financing needs. Facility can be drawn for up to 4 years.
Disbursement: The facility shall be paid directly to the suppliers by transfer
Repayment: From the borrowers’ normal operations
Corporate Guarantee from SATGURU group.
30% of the financing amount will be held as equity against the facility
Collateral/Security:
Pledge of the business assets
A minimum account turnover of at least 20% of their sales
VALUE PROPOSITION

Working capital facility

Overdraft / Bills Discount Omnibus
Product Description:
This product is a One-year revolving facility with a quarterly clean up cycle. The line shall be governed by the terms of the audit and advisory
service contracts with SATGURU suppliers

Lender: Access Bank Cameroon Plc.

Borrower: SATGURU
Beneficiary: As Provided by SATGURU
Total Limit: XAF 200,000,000 (Two Hundred Million Frs CFA)
Facility Type: Overdraft/Bills Discount facility
Purpose: For the payment of suppliers and other needs from cash flow timing differences
Pricing: 7,5% per annum
Management Fee – 1% flat on facility amount, max XAF 10mio
1 year revolving. However, each utilization shall be for maximum hardcore of 90
Tenor:
days for Bills Discount.
The facility shall be directly into the suppliers account with Access Bank.
Disbursement:
Discounting shall be to reputable known clients of SATGURU in all the sector
From the borrowers’ normal operations. Amounts repaid are available for further
Repayment:
drawings
Collateral/Security: Corporate Guarantee from SATGURU group , 30% cash collateral
1. Board resolution of SATGURU accepting the facility and nominating officers to
Conditions Precedent to accept on its behalf.
Utilization: 2. Offer letter duly accepted by authorized officers of SATGURU.
PREPAID CARDS SOLUTION
ACCESS BANK PREPAID CARDS

✓ Means of payment of mission expenses and staff bonuses.

✓ Payment of various financial allowances for staff (reimbursement

of medical expenses, reimbursement of family allowances).

✓ Non-salary and cash payments.

✓ Dematerialization of petty cash funds.

✓ Etc.

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 Description
Description

• The VISA prepaid card is an instantly reloadable VISA e-wallet

• It is an international electronic means of payment that can be used for cash withdrawal and miscellaneous payments 24/7 in nearly 2
million GABs/DABs VISA worldwide

• It has a secure chip and is protected by a PIN code

• The card has a validity period of at least 2 years

• It is equipped with contactless technology

• The card can be linked to his Orange Money account (Facilitating transactions in one without or in the other)

• It is available without the constraint of opening a bank account

• The card allows free cash withdrawals at UBA ATMs and at 477 FCFA elsewhere instead of 2981 FCFA.

• It offers a mini online bank for various banking operations (balance consultation, money transfer etc.).

• The cardholder instantly receives SMS alerts for each operation.

• Transfers with the card are free (From one card to another).

• It is available in 5 Minutes.

• The card can be customized. The acquisition and preparation of personalized cards is subject to a protocol.
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 LCARTE
Our Proposal VISA PRÉPAYÉE

PROPOSED MAP SEGMENTS

✓ Two card segments are offered

✓ STANDARD -- Segment I

✓ PRIVILEGE -- Segment II

PROTOCOL FOR CUSTOM CARDS

Minimum number of cards to order (Required by

VISA for this type of project):

1,000 Cards (All segments combined):

Card manufacturing times:

3 Months maximum
 TRANSACTION LIMITS APPLIED TO CARDS

DESCRIPTION
STANDARD PRIVILEGE

24-hour flow limit 2 500 000 3 000 000

Per-week flow limit 2 500 000 5 000 000
Throughput limit per month 2 500 000 10 000 000
Maximum card limit 2 500 000 5 000 000

Top-up limit per transaction 2 000 000 2 000 000

24-hour charging cap 2 000 000 2 000 000
Charging cap per month 2 500 000 10 000 000
Charging cap per quarter 7 500 000 30 000 000

Local withdrawal limit| international per transaction 250 000 250 000
Local withdrawal limit (CEMAC) over 24 hours 750 000 750 000
international withdrawal limit 500 000 500 000
International withdrawal limit per month 2 000 000 2 000 000

Payment limit on local TPE | international and internet-based

750 000 1 000 000
by transaction
limit on international TPE on 24| Month 2 000 000 2 000 000

payment
T i t l limit per month 1 000 000 1 000 000
e

transfer limit per transaction 1 000 000 1 000 000

24-hour card-to-card transfer limit 1 500 000 Page 15

1 000 000
 LA CARTE VISA PRÉPAYÉE
PREFERENTIAL PRICES SATGURU

PREFERENTIAL PRICES SATGURU

SATGURU UNIT
PUBLIC SALE PRICE
SEGMENT PRICE EXCLUDING
EXCLUDING VAT
VAT
STANDARD CARD
Segment I 10 000 FCFA 5 000 FCFA
PREMIUM CARD
CARTE PRIVILEGE

Segment II 25 000 FCFA 15 000 FCFA

TRANSACTION TRANSACTION
500 TTC FCFA PER TYPE FEES
500 TTC FCFA PER
CARD RELOADING TRANSACTION STANDARD/PREMIUM CARD
TRANSACTION
Withdrawal on
ACCESS BANK Franco
ATM
Withdrawal on
ATM Bank in 477 FCFA TTC
Cameroon
Domestic
Franco
payment on POS
VALUE PROPOSITION

Indicative USSD & Teller Implant

proposal
This proposal is for discussion purposes only; it does not constitute an offer or commitment nor does it contain any
representation or warranty on the part of Access Bank Cameroon Plc. All figures, terms and conditions are subject to change. It
is contingent upon the conclusion of negotiations on mutually satisfactory terms and conditions, final approval of the
transaction by Access Bank’s Board of Directors on its commitment and execution of the corresponding documentation.
USSD CODE PAYMENT SOLUTION:

USSD is a solution that allows clients to use their mobile phone to pay for various banking services using a USSD code (short code).
With this solution, SATGURU clients will be able to use the USSD menu of the bank to pay for the requested services and any other service
offered by SATGURU by debiting their ACCESS BANK, Prepaid Card or Mobile Money account,

PREFERENTIAL PRICE
DESIGNATION PUBLIC PRICE
SATGURU
INTEGRATION COSTS
FCFA 4,500,000 Supported by the bank
(borne by SATGURU)
- 0.5% for transactions via Access Bank
1.5% of the transaction
TRANSACTION FEE account
amount with a minimum
(borne by SATGURU) - 0.5% Mobile money fees for transactions
of 1000 FCFA
via Mobile Money Operator
- Franco for transactions via Access Bank
TRANSACTION FEE account
(borne by SATGURU) - Mobile money tariffs for transactions via
Mobile Money Operator
VALUE PROPOSITION TELLER IMPLANT SOLUTION

Teller Implant Proposal

TELLER IMPLANT/
• 1 cashier
DEDICATED CASH POINT
• Daily cash pick up
• Immediate value recognition
@Access • All day security
Digital
Channel Monthly charge: XAF 350 000*
CUSTOMERS/ (*)monthly can be negotiated based on
DISTRIBUTORS account turnover volumes.

POS

SATGURU
Wallet to ACCOUNT
Bank

Agency Banking
VALUE PROPOSITION

FX Solutions
SATGURU can avail FX from Access Bank to transfer funds to head office treasury or to optimize the treasury balances
across subsidiaries in the group.
This facility can also be used to prioritize dividend payments of the subsidiary to the group.

Value Added Solutions

FX
Solutions • Optimization solutions (cross-border netting):
• Central Bank liaison for documentation advise
• Internal documentation advise (SATGURU side)
• Competitive FX transfer fees
• Best effort basis to ensure short turn around time with Central Bank
• A real time reporting on the status of all the transfer requests ordered
• Fix or flexible forward hedging funds on USD payments (LC or direct transfers)
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• Investment solutions for yield on idle balances
VALUE PROPOSITION
Cash Management

Cash Management Solution

Primus plus solutions will help better manage your banking business with online payment solutions
and other digital offerings.
Cash Management
Efficiency in business is supported ranging from collections, tracking of flows, treasury management
etc. We will customize various solutions around the value chain towards achieving your objectives.
VALUE PROPOSITION
PrimusPlus

Service Coverage Benefits Features

• Payments Management Improve decision making and execution with • Security: Secure payment transactions
enhanced visibility and control of your cash incorporating best practices - transaction
• Cash Flow Forecasting position authorization, notifications and alert.

• Receivables Management Carry out transactions faster and more • Balance Transaction Reporting: Single
efficiently with straight-through-processing and view of all customers accounts,
• Supply Chain Management simplified transaction workflows statement and transaction history within
• Trade Services Optimization the bank on the platform
Embed your corporate controls, policies and
• Reporting and Reconciliation business rules in executing your banking • Payments Services: Ability to carry out
transactions intra & inter bank transfers using
Security Mechanisms in place SYSTAC and SYGMA, and also create
Eliminate manual processes, reduce errors domestic and international payments
• Multi-factor Authentication/ and increase system efficiency from a single solution
Authorization: Use of
passwords and OTP such as Define customizable, real-time/ scheduled • Collections: Ability to setup MIS details
tokens to facilitate reports in standardised and adaptable formats of product offerings and receive
• account access and payment Improve business productivity by spending less proceeds made through the branch, POS
transactions time navigating accounts across banking and web in a formatted report
solutions and more time focusing on your core • Customs Duty: Initiate duty payments
• End-to-End encryption (SSL): business
Encryption of sensitive data to Customs Service
travelling over a network (Internet, Capture additional information, including • Payroll Administration: Outsource
wireless, WAN and Local LAN). aggregated balances across account and Payroll processing to a portal through a
Data covered includes entry via banks, for enhanced reporting single instruction, and authorizing
browser or client application initiation of multiple payments

• Alert System: Notifications and

alerts for transactions to ensure
payments are channels to
achieve desired objectives
Employee Scheme
Staff Support Package

In addition, we offer a range of sophisticated staff packages such as payday loans, personal loan, Auto loans and mortgages for SATGURU
employees.
Other products available for individuals are mortgages for land purchase and/or construction

Personal Loan PayDay Advance School Fee Loan Auto-Loans

Target: Employees of SATGURU
Repayment Source: Staff salary
Target: Employees of Target: Employees of SATGURU Target: Individuals, SMEs and
organizations that meet our risk Repayment Source: Staff salary Corporates
payments.
acceptance criteria. payments. Repayment Source: Staff salary
Features / Benefits payments
Unique Selling Point: Features / Benefits
▪ Flexibility to meet varied personal ▪ Flexibility to meet varied personal Support: Pledge on Asset financed
Instant loan disbursement/can also
needs needs
be requested as an *overdraft Features / Benefits
▪ Domiciliation of salary account ▪ Domiciliation of salary account ▪ Provides convenience and flexibility
▪ Max. obligor limit of 200% of annual Channels
• USSD platform ▪ Max. obligor limit of 60% of annual ▪ Wide variety of auto dealerships to
income (where terminal benefit is above income (where terminal benefit is above choose from
100% of loan amount) Features / Benefits 100% of loan amount) ▪ Comprehensive motor vehicle
▪ Max. obligor limit of 100% of annual ▪ Salary account domiciled ▪ Max. obligor limit of 30% of annual insurance
income (where terminal benefit is not in with the Bank income (where terminal benefit is not in ▪ No charge associated with purchase
place) ▪ Up to 100% of monthly place) option
▪ Debt-to-income subject to 40% ▪ Minimum of 10% equity
income ▪ Debt-to-income subject to 40%
▪ Credit Life insurance ▪ Credit Life insurance
contribution
▪ Up to 31 days or pay ▪ Up to 48 months tenor
▪ Up to 60 months tenor ▪ Up to 12 months tenor
▪ Interest Rate - 8% P.a.
day (whichever
comes first) ▪ Interest Rate - 10% P.a. Requirements
Requirements ▪ Interest rate @ 3% flat
▪ Completed application form
▪ Available after 1 month of salary receipt ▪ Management fee @ 1% flat Requirements
▪ Available after 1 month of salary receipt ▪ Pro forma invoice: Access
▪ Completed application form ▪ Commitment fee @ 1% flat Bank/Customer’s name
▪ Duly executed employer’s confirmation ▪ Credit Life Insurance ▪ Completed application form
▪ Additional requirements for
and undertaking ▪ Duly executed employer’s confirmation
Eligibility employees
▪ Letter of set-off and undertaking
▪ Letter of introduction
▪ Valid means of ID ▪ Customers salary will be ▪ Letter of set-off ▪ Domiciliation of salary account with the
▪ Confirmation letter/Promotion letter in the Bank: ▪ Valid means of ID Bank
▪ Pay slips ▪ Customer would have ▪ Confirmation letter/Promotion letter ▪ Employer’s confirmation &
▪ Credit checks received salary in the last ▪ Pay slips undertaking letter
1 month ▪ Credit checks ▪ 03 Recent pay slips
▪ Customer will have an ▪ Permanent contract
everyday banking account. ▪ Recent 06 months account statements
▪ Employee letter of confirmation
▪ Customer must not be delinquent.
▪ Personal guarantee of a director of the
▪ Customers should have a company (corporates only)
good credit check with ▪ Board resolution (corporates only)
Credit bureau.
Our contact details
For further clarification, you can reach out to any of the contacts below:

Ellis Nzo ASU

Ibukun ODEGBAIKE Deputy Managing Director
Managing Director
▪ M: +237 681 908 851
▪ M: +237 680 657 221 ▪ [email protected]
▪ [email protected]

Rodrigue MOUKALA
Head Treasury

▪ M: +237 652 026 112

Ella Martin CHUWA ▪ [email protected]
Head Wholesale Banking

▪ M: +237 690 500 352

▪ [email protected]

Simplice WATHO YENGWA

Relationship Manager

▪ M: +237 691 784 656

▪ [email protected]
CONCLUSION
Our Commitment to Growth, Sustainability & Service

Part of our continued growth strategy is our focus on mainstream sustainable business practices that delivers superior value to the markets and communities we serve. This has led to
enduring partnerships with global DFIs like the international finance corporation amongst others.

We strive to deliver sustainable economic growth that is profitable, environmentally friendly and socially relevant and are signed up to global sustainability agreements and cooperation
among world class organizations.

Our Wholesale Banking Team is distinctively positioned to provide exceptional service to our Tier 1 customers

Why Access Bank?

Partnership We have proven to be a strong partner of multinationals and continue to re-emphasize our commitment through the creation of product
offerings that are unique to the business objectives and strategic intents of our clients.

We have an extensive presence across all trade centers in Nigeria and international presence/ subsidiaries across Sub-Saharan
Coverage Africa(as listed in this presentation), China, Lebanon, UAE and United Kingdom that enable us provide solutions to our clients across
the globe.

➢Leveraging on our international presence and decades of successful banking in Africa, we deliver to our corporate clients a full scope
of customized solutions in value chain management, bonds and guarantees, structured trade finance, financial advisory, innovative
Execution foreign exchange risk management and project and structured finance.
➢We are the industry’s leading Treasury house, trading the largest volumes across all Treasury product offerings.
➢We are a top player in trade business in the country, executing over 10% of the industry’s trade volume.

We will be most delighted to partner with you through the deployment of the enlisted financial solutions and look forward to a mutually beneficial relationship between our organizations.
Our Competitive Strength
Our Footprints

Experienced
Robust Enterprise Risk
Management Team &
Management
Strong Corporate
Framework
Governance
01 02

Strong Strategy Corporate Deals

Competitive
Execution 03 04 Structuring and
Advantage
Capabilities Financing

05 06
Largest Retail franchise
Proven track records of
with strong Customer
M&A Expertise
Base
Client Service Team (CST) Strategy
UGRC Vendor/
Utilities & Govt ❑ Our strategy is a Global Relationship Strategy
Supply Chain
Revenue (GRS) powered by a Client Service Team
Collections (CST)
❑ A multi-level team with 3600 view of your entire
business
Treasury
Marketing ❑ Manned by highly qualified product specialists –
Trade Global Trade, Cash Management, Supply Chain
Support Relationship Management, Treasury, Distribution
Management and Employee solutions
Management
Team
Distributor Benefits of the CST
Management
Agency ✓ Enhanced global coverage
Banking ✓ Improved turn-around time
✓ Access to seamless cash management
✓ Access to best-in-class advisory services
EVP ✓ Increased efficiency for your operations
Employee Value
Proposal
Thank you!