USER GUIDE

1. USER GUIDE LEARN HOW TO USE YOUR MOBILE PHONE TO SEND AND RECEIVE MONEY VERSION 3.0

2. TABLE OF CONTENTS 1 WHAT IS GTMOBILE MONEY? 2 GETTING STARTED 3 FUNDING YOUR ACCOUNT 4 LINKING YOUR BANK ACCOUNT 5 TRANSFERRING MONEY 6 RECEIVING MONEY 7 WITHDRAWING MONEY 8 SECURITY 9 APPENDIX

3. TABLE OF CONTENTS 1 WHAT IS GTMOBILE MONEY? 2 GETTING STARTED 3 FUNDING YOUR ACCOUNT 4 LINKING YOUR BANK ACCOUNT 5 TRANSFERRING MONEY 6 RECEIVING MONEY 7 WITHDRAWING MONEY 8 SECURITY 9 APPENDIX

4. WHAT IS GTMOBILE MONEY? GTMOBILE MONEY is a Fast, Secure and Convenient way to transfer FUNDS using a Mobile Phone… • GTMOBILE MONEY can also be used for: • Bill Payments • Shopping • Airtime Purchase 1 WHAT IS GTMOBILE MONEY?

5. WHO CAN USE GTMOBILE MONEY? GTMOBILE MONEY can be used by anyone with a mobile phone. Your Mobile Number is also your Account Number and it is also a required parameter when logging into your account. PHONE NUMBER = GTMM ACCOUNT NUMBER 1 WHAT IS GTMOBILE MONEY?

6. WHAT IS A WALLET? The GTMOBILE MONEY ACCOUNThas several pockets: • The permanent default pocket is called the Mobile Money Wallet or“WALLET” for short. • A Bank Account Pocket can also exist. This is the linkage to your GTBank Account. • Other special products may be deployed as Pockets such as: • “TARGET SAVINGS” • “CREDIT CARD” • “LOYALTY POINTS” • “FUEL PAYMENTS” 1 WHAT IS GTMOBILE MONEY?

7. HOW DO I FUND AND WITHDRAW FROM MY ACCOUNT? Your WALLET can be funded via any Bank Account – YES, even from other Banks by using your Debit Card to effect a transfer through the ATM or Internet. You can also walk into any GTBank Branch to fill a Transfer Form. Funds can be withdrawn from theWALLET via any GTBank ATM without using an ATM Card. NOTE: Funding and Withdrawals can only be done from the default pocket of the GTMobile Money Account which is referred to as the WALLET. 1 WHAT IS GTMOBILE MONEY?

8. WHAT ABOUT SECURITY? • Your GTMOBILE MONEY WALLET is highly secure; • Your phone number is your account number • Transactions are secured with your password (or PIN) • Confirmation SMS is sent to your phone number for every transaction • Transaction details are not stored on the phone so funds are safe even when the phone is stolen • All CBN Security guidelines have been implemented. NOTE: Do not disclose your PIN to anyone. It is your PIN that gives you secure access to your WALLET. 1 WHAT IS GTMOBILE MONEY?

9. POP QUIZ PHONE NUMBER = GTMM ACCOUNT NUMBER = WALLET FROM A FUNDING AND WITHDRAWAL PESPECTIVE CAN YOU CONFIRM WHETHER THE STATEMENT ABOVE IS TRUE OR FALSE BY CLICKING ANY OF THE BUTTONS BELOW: TRUE FALSE 1 WHAT IS GTMOBILE MONEY?

10. CONGRATULATIONS!! PHONE NUMBER = GTMM ACCOUNT NUMBER = WALLET This statement is absolutely correct for funding and withdrawals, because as mentioned earlier, the default pocket is the only one enabled for this type of transactions You have successfully completed CHAPTER 1 of the GTMOBILE MONEY USER GUIDE . Watch out for CHAPTER 2 where we teach you how to get the GTMobile Money Application unto your Phone. 1 WHAT IS GTMOBILE MONEY?

11. TABLE OF CONTENTS 1 WHAT IS GTMOBILE MONEY? 2 GETTING STARTED 3 FUNDING YOUR ACCOUNT 4 LINKING YOUR BANK ACCOUNT 5 TRANSFERRING MONEY 6 RECEIVING MONEY 7 WITHDRAWING MONEY 8 SECURITY 9 APPENDIX

12. GETTING STARTED In order to use GTMOBILE MONEY there are 3 easy steps: • DOWNLOAD (GET) THE APPLICATION • REGISTER YOUR PERSONAL DETAILS • ACTIVATE YOUR ACCOUNT 2 GETTING STARTED

13. HOW TO GET THE APPLICATION Before you get the GTMOBILE MONEY App you must be able to determine which format is suitable for your Mobile Phone… • GTMOBILE MONEY is available in three (3) major formats: • Smart Phone Application • SIM Toolkit • USSD* • With these three formats, GTMOBILE MONEY is available to you regardless of the type or model of phone you are using. * Unstructured Supplementary Service Data 2 GETTING STARTED

14. FORMAT #1 The SMARTPHONE Application is available for DOWNLOADon Android, Blackberry, iPhone and Java enabled Phones. 2 GETTING STARTED

15. HOW TO DOWNLOAD THE APPLICATION The SMART PHONE Application has to be downloaded from your phone browser. First of all ensure that you have internet access on your smart phone. NOTE: If you don’t have Internet access, please contact your network provider for guidelines to enable you browse on your phone. 2 GETTING STARTED

16. BROWSE TO ANY OF THE LISTED LOCATIONS: For Blackberry App: BB – OS5 http://bit.ly/GTBankBB5 BB - OS6 & 7 etc http://bit.ly/GTBankBB6 For Java App (Nokia, LG, etc): http://bit.ly/GTBankJAR For Android App: http://bit.ly/GTBankANDROID For iPhone App: COMING SOON NOTE: The URL’s are case-sensitive These are also temporary locations as ALL the applications will soon be available in respective native app stores like: Google Play, Nokia App Store, Apple App Store and Blackberry App World. 2 GETTING STARTED

17. CHECK FOR THE GTBANK ICON IN YOUR PHONE MENU AFTER DOWNLOADING 2 GETTING STARTED

18. NOW YOU CAN LAUNCH THE APPLICATION BY CLICKING ON THE ICON 2 GETTING STARTED

19. CONGRATULATIONS! YOU HAVE LAUNCHED YOUR SMART PHONE APPLICATION 2 GETTING STARTED

20. CONGRATULATIONS! YOU HAVE LAUNCHED YOUR SMART PHONE APPLICATION NOTE: Now that you have launched your SMART PHONE application, the next step is to register and activate your account. 2 GETTING STARTED

21. REGISTRATION USING THE SMARTPHONE APP By clicking the SIGNUP button shown on the screen, you will reveal the REGISTRATION page 2 GETTING STARTED

22. ENTER YOUR PERSONAL DETAILS NOTE: Please use the Navigational buttons built into the smart phone app to move between screens. 2 GETTING STARTED

23. ENTER YOUR PERSONAL DETAILS NOTE: Please use the Navigational buttons built into the smart phone app to move between screens. 2 GETTING STARTED

24. CONFIRM YOUR PERSONAL DETAILS BEFORE YOU SUBMIT NOTE: Please use the Navigational buttons built into the smart phone app to move between screens. 2 GETTING STARTED

25. CONFIRM YOUR PERSONAL DETAILS BEFORE YOU SUBMIT After submission of details, a six-digit ACTIVATION CODE is sent to you which will be used to activate your account. 2 GETTING STARTED

26. CONGRATULATIONS!! NOTE: You have successfully registered for GTMOBILE MONEY, however, to begin to use the service, you MUST ACTIVATE your account. 2 GETTING STARTED

27. ACTIVATING YOUR ACCOUNT USING A SMARTPHONE To begin the process click on the NEW USER ACTIVATION button. 2 GETTING STARTED

28. ACTIVATING YOUR ACCOUNT USING A SMARTPHONE Note that your six-digit ACTIVATION CODE is automatically populated in the “one time password” field. 2 GETTING STARTED

29. ACTIVATING YOUR ACCOUNT USING A SMARTPHONE Input your MOBILE NUMBER then click “continue” 2 GETTING STARTED

30. ACTIVATING YOUR ACCOUNT USING A SMARTPHONE Create a 4-Digit PIN then click “continue” 2 GETTING STARTED

31. ACTIVATING YOUR ACCOUNT USING A SMARTPHONE Accept the TERMS AND CONDITIONS by clicking “ok” 2 GETTING STARTED

32. ACTIVATING YOUR ACCOUNT USING A SMARTPHONE After accepting the Terms and Conditions, you will receive a message confirming that your account has been activated 2 GETTING STARTED

33. ACTIVATING YOUR ACCOUNT USING A SMARTPHONE You can now click on “exit” button as your account has been activated. 2 GETTING STARTED

34. NOW LET US TAKE A LOOK AT FORMAT #2 TheSIM TOOLKITApplication is available only onETISALATSIM cards at the moment and it works with ALLphone types.. 2 GETTING STARTED

35. THE FIRST STEP IS TO LOCATE THE SIM TOOLKIT ICON TheSIM TOOLKITICON is on the phone menu. It is either labeled by the network name “ETISALAT” or as “SIM TOOLKIT” 2 GETTING STARTED

36. STEP TWO SelectMOBILE MONEY in the displayed Sim Toolkit MENU. This will display a list of Mobile Money Schemes Operators including GTBank 2 GETTING STARTED

37. STEP THREE ClickGTBANK from the list to make it your default Mobile Money Menu 2 GETTING STARTED

38. CONGRATULATIONS YOU NOW HAVE THE GTMOBILE MONEY MENU ON YOUR SIM TOOLKIT 2 GETTING STARTED

39. CONGRATULATIONS YOU NOW HAVE THE GTMOBILE MONEY MENU ON YOUR SIM TOOLKIT NOTE: Now that you have launched your SIM TOOLKIT application, the next step is to register and activate your account. 2 GETTING STARTED

40. REGISTRATION VIA SIM TOOLKIT Select MY ACCOUNT from the MENU 2 GETTING STARTED

41. REGISTRATION VIA SIM TOOLKIT Select REGISTRATION option from the list 2 GETTING STARTED

42. REGISTRATION VIA SIM TOOLKIT Select SELF REGISTRATION from the menu option 2 GETTING STARTED

43. REGISTRATION VIA SIM TOOLKIT Enter FIRST NAME and click on “ok” 2 GETTING STARTED

44. REGISTRATION VIA SIM TOOLKIT Enter LAST NAME and click on “ok” 2 GETTING STARTED

45. REGISTRATION VIA SIM TOOLKIT Enter DATE OF BIRTH and click on “ok” 2 GETTING STARTED

46. REGISTRATION VIA SIM TOOLKIT Enter MOTHERS MAIDEN NAME and click on “ok” 2 GETTING STARTED

47. REGISTRATION VIA SIM TOOLKIT Confirmation screen 2 GETTING STARTED

48. REGISTRATION VIA SIM TOOLKIT Confirmation Text Message 2 GETTING STARTED

49. ACTIVATION VIA SIM TOOLKIT Select SELF ACTIVATION from the menu option 2 GETTING STARTED

50. ACTIVATION VIA SIM TOOLKIT Input ACTIVATION CODE and click “ok” 2 GETTING STARTED