BUSINESS ENTITIES ACCOUNT OPENING FORM

Please indicate the business category and type of account to open by ticking the applicable box below This form should be completed in CAPITAL LETTERS.
Characters and marks should be similar in style to the
following
Business Category: Limited Liability Company Sole Proprietorship MDA’s Schools Others A B C

$ Others
Account Type: (Tick as appropriate) Current Account Fixed Deposit Account Domiciliary Account
SME Account HB Prime

ACCOUNT No.(for official use only) EXPERIENCE CENTRE

1. COMPANY DETAILS ( Please complete in BLOCK LETTERS and tick where necessary)

Company/ Business Name

Certificate of incorporation/Registration Number

Jurisdiction of Incorporation/
Date of Incorporation/ Registration Registration*
Day Month Year
Type/Nature of Business

Sector/Industry

Operating Business Address 1.

Operating Business Address 2.

Corporate Business Address/

Registered office(if different from above)

e-Mail Address

Website (if any)

Phone Number (1) Phone Number (2)

Tax Identification Number (TIN)

CRM No/ Borrower’s Code Special Control Unit against Money
(where applicable Laundering (SCUML) Reg. No:

2. ANNUAL TURNOVER

(a) Less than N50 Million N50 Million - Less than N500 Million N500 Million - Less than N5 Billion Above N5 Billion

(b) Is Your Company Quoted on any Stock Exchange? Yes No

© If answer to question (b) is yes, indicate which Stock Exchange and the Stock Symbol:

3. ACCOUNT SERVICE(S) REQUIRED (Please tick applicable option below)

Card Preferences: Verve Card Master Card Visa Card Other (Specify)

Other eChannels
Electronic Banking Preferences: Internet Banking Mobile Banking ATM POS (Fees may apply) Specify
HB Mobile/ HB Padie
(Board Resolution required)
Transaction Alert Preferences: Email Alert (Free) SMS Alerts Charge Apply as mandated by CBN

* Please note that cost of delivery of your

Account Statement by post shall be borne
Statement Frequency: Monthly Quarterly Bi- Annually Annually Delivery of Statement by Post by you.

Cheque Book Requisition: (Fees apply) 100 Leaves 200 Leaves Cheque Confirmation: Will you like to pre-confirm your cheques? Yes No

4. CHEQUE CONFIRMATION THRESHOLD

If you would like to have a higher threshold for pre-confirmation, please specify the amount (i.e threshold above Nxxx,000.00)
*In line with extant law and existing regulation

5. ACCOUNT SIGNATORY’S DETAILS

1
Surname Other Name(s)

First Name Mother’s Maiden Name

Date of Birth Gender F M
Day Month Year

Nationality (for non-Nigerians)

Means Of Identification ID Number

Heritage Bank Plc RC: 1259460

BUSINESS ENTITIES ACCOUNT OPENING FORM

ID Issue Date ID Expiry Date

Day Month Year Day Month Year

BANK VERIFICATION NUMBER

Occupation Status/ Job Title

Position/Office of the Officer

Residential Address

House Number Street Name

Nearest Bus Stop/ Landmark

City/ Town Local Govt. Area

State Phone Number (1)

e-Mail Address Phone Number (2)

Date
Signature
Day Month Year

Class of Signatory
(Please indicate class in the box provided) A B C

2
Surname Other Name(s)

First Name Mother’s Maiden Name

Date of Birth Gender F M

Day Month Year
Nationality (for non-Nigerians)

Means Of Identification ID Number

ID Issue Date ID Expiry Date

Day Month Year Day Month Year

BANK VERIFICATION NUMBER

Occupation Status/ Job Title

Position/Office of the Officer

Residential Address

House Number Street Name

Nearest Bus Stop/ Landmark

City/ Town Local Govt. Area

State Phone Number (1)

e-Mail Address Phone Number (2)

Date
Signature
Day Month Year

Class of Signatory
(Please indicate class in the box provided) A B C

3
Surname Other Name(s)

First Name Mother’s Maiden Name

Date of Birth Gender F M
Day Month Year
Nationality (for non-Nigerians)

Means Of Identification ID Number

ID Issue Date ID Expiry Date

Day Month Year Day Month Year

BANK VERIFICATION NUMBER

Occupation Status/ Job Title

Heritage Bank Plc RC: 1259460

BUSINESS ENTITIES ACCOUNT OPENING FORM

Position/Office of the Officer

Residential Address

House Number Street Name

Nearest Bus Stop/ Landmark

City/ Town Local Govt. Area

State Phone Number (1)

e-Mail Address Phone Number (2)

Date
Signature
Day Month Year

Class of Signatory
(Please indicate class in the box provided) A B C

6A. DETAILS OF THE DIRECTORS/EXECUTIVES/TRUSTEES/PROMOTER/EXECUTORS/ADMINISTRATOR/PRINCIPAL OFFICERS

1
Surname Other Name(s)

First Name Mother’s Maiden Name

Date of Birth Gender F M

Day Month Year
Nationality (for non-Nigerians)

Means Of Identification ID Number

ID Issue Date ID Expiry Date

Day Month Year Day Month Year

BANK VERIFICATION NUMBER

Occupation Status/ Job Title

Residential Address

House Number Street Name

Nearest Bus Stop/ Landmark

City/ Town Local Govt. Area

State Phone Number (1)

e-Mail Address Phone Number (2)

2
Surname Other Name(s)

First Name Mother’s Maiden Name

Date of Birth Gender F M

Day Month Year

Nationality (for non-Nigerians)

Means Of Identification ID Number

ID Issue Date ID Expiry Date

Day Month Year Day Month Year

BANK VERIFICATION NUMBER

Occupation Status/ Job Title

Residential Address

House Number Street Name

Nearest Bus Stop/ Landmark

City/ Town Local Govt. Area

State Phone Number (1)

e-Mail Address Phone Number (2)

Heritage Bank Plc RC: 1259460

BUSINESS ENTITIES ACCOUNT OPENING FORM

3
Surname Other Name(s)

First Name Mother’s Maiden Name

Date of Birth Gender F M

Day Month Year
Nationality (for non-Nigerians)

Means Of Identification ID Number

ID Issue Date ID Expiry Date

Day Month Year Day Month Year

BANK VERIFICATION NUMBER

Occupation Status/ Job Title

Residential Address

House Number Street Name

Nearest Bus Stop/ Landmark

City/ Town Local Govt. Area

State Phone Number (1)

e-Mail Address Phone Number (2)

6 B. DETAILS OF A SOLE PROPRIETOR

I. PERSONAL INFORMATION
Title Surname

First Name Other Name

Marital Status(Please tick as appropriate)
Others Date of Birth Gender F
Single Married (Please Specify)
Day Month Year M

Place of Birth

Mother’s Maiden Name

Resident
Nationality(for Non Nigerian) Permit No.

Permit Issue Date Permit Expiry Date

Day Month Year Day Month Year
L.G.A
State of Origin

Tax Identification Number (TIN)

II. CONTACT DETAILS

Business/ Residential Address Street Number Street Name

Nearest Bus Stop/ Landmark

City/ Town Local Govt. Area

State Phone Number (1)

e-Mail Address Phone Number (2)

III. MEANS OF IDENTIFICATION

National ID Card National Driver’s License International Passport Valid INEC Voter’s Card * Others (Please specify)

ID No. ID issue Date ID Expiry Date

Day Month Year Day Month Year

BANK VERIFICATION NUMBER

* People in peculiar circumstances - Artisans, Petty Traders, Students who may not have the prescribed ID’s

IV. DETAILS OF NEXT OF KIN Surname First Name

Other Name(s) Relationship

Title (Specify) F M
Date of Birth Gender
Day Month Year

Heritage Bank Plc RC: 1259460

BUSINESS ENTITIES ACCOUNT OPENING FORM

e-Mail Address Mobile Number (2)

Mobile Number (1)

Contact Details

House Number Street Name

Nearest Bus Stop/ Landmark City/ Town

State Local Govt. Area

7. ADDITIONAL DETAILS:

1. Name of affiliated company/Body: 1.

2.

3.
2. Parent Company’s Country of
Incorporation

III. DETAILS OF ACCOUNT HELD WITH OTHER BANKS BY THE PROSPECTIVE COMPANY/PARTNERSHIP/SOLE PROPRIETORSHIP

S/N NAME AND ADDRESS OF ACCOUNT NAME ACCOUNT NUMBER STATUS:

BANK/BRANCH ACTIVE/ DORMANT

1.

2.

3.

4.

IV. DETAILS OF OTHER HERITAGE BANK ACCOUNTS HELD (PREVIOUS OR EXISTING)

S/N EXPERIENCE CENTRE ACCOUNT NAME ACCOUNT NUMBER STATUS:

ACTIVE/ DORMANT

8. ACCOUNT OPENING MANDATE

(Please tick as appropriate)

a. Account Type: $ Others

Current Account Fixed Investment Account Domiciliary Account Others

b. Account Name:

c. Account No: (for official use only)

d. Mandate authorisation/ Combination rule (Please tick as appropriate): Sole Signatory Either to Sign Both to Sign Others
specify
e. Signatories
i Full Name:

Telephone Number:

BVN No.:

Affix
Passport
Photograph
Class of Signatory:
here

Signature and Date

FOR BANK USE ONLY FOR BANK USE ONLY

Name Name

Signature Signature

Heritage Bank Plc RC: 1259460

BUSINESS ENTITIES ACCOUNT OPENING FORM

ii Full Name:

Telephone Number:

BVN No.:

Affix
Passport
Photograph
Class of Signatory:
here

Signature and Date

FOR BANK USE ONLY FOR BANK USE ONLY

Name Name

Signature Signature

iii Full Name:

Telephone Number:

BVN No.:

Affix
Passport
Photograph
Class of Signatory:
here

Signature and Date

FOR BANK USE ONLY FOR BANK USE ONLY

Name Name

Signature Signature

9. AUTHORITY TO DEBIT ACCOUNT FOR SEARCH FEE

Heritage Bank Plc

Dear Sir,

AUTHORITY TO DEBIT OUR CURRENT ACCOUNT FOR SEARCH FEE

We hereby authorize you to debit our account with the applicable charges for the legal search conducted on our account at
the Corporate Affairs Commission or relevant agency/authority.

Thank you.

Yours faithfully,
Authorized Signature of the Customer /Representative & Date Authorized Signature of the Customer /Representative & Date

Heritage Bank Plc RC: 1259460

 INDIVIDUAL ACCOUNT OPENING FORM
9. TERMS AND CONDITIONS
I/We confirm and agree that my/our account(s) and all banking transactions between me/us (“the 21.I/We understand and acknowledge that electronic mail, facsimile and verbal communications
Customer”, “I”, or “me” or “we”) and Heritage Bank Plc(“the Bank) shall be governed by the are insecure transmission media where I/We advise the Bank to accept the instruction in such
conditions specified below and/or the terms of any specific agreement between me/us and the manner, I/We however undertake to indemnify the Bank in full for any loss it may suffer or incur by
Bank or where not regulated by either the conditions or such agreement, by customary banking reason of its honoring my/our Letters, electronic mail, facsimile or verbal instructions, irrespective
practices in Nigeria. of whether same are erroneous, fraudulent or issued otherwise than in accordance with the
Mandate for my/our Accounts(s), any and all payment instructions issued in accordance with the
1.The Bank will not establish or operate the requested account(s) unless and until it has received Mandate for my/our account(s) and which bears or purports to bear the facsimile or electronic
the required supporting documents for the account, a list of which has been provided to me/us and Bank by me/us. The Bank is hereby authorized to honor and to debit my/our account, for any and
is included with this application form. all payment instructions/confirmations issued or provided by me/us using a pre-agreed format for
same which may include but is not limited to electronic or written instructions/confirmations and
2.The Bank is hereby authorized to undertake all “Know Your Customer” (KYC) procedures where given electronically such instruction may if previously agreed involves the use of specific
specified by applicable law/regulations and/or Bank policies including the confirmation of my/our passwords(s) and when given in writing may be given by handwritten or typed letter, delivered by
details and legal status at the appropriate government registry. I/We hereby authorize you to debit hand or post or by fascimile with authorized signature appended thereon,
my/our account without further notice to me/us for the costs attendant to such KYC procedures.
22.I/We hereby authorize the Bank to debit my/our account with the cost incurred in respect of the
3.The Bank may, without prior notice, impose or change the minimum balance requirements for issuance of the cheque book(s) for the above account.
my/our account(s) or alter the applicable interest rate(s) or the charges relating to such
accounts(s) or any of them. 23.Honour all cheques or other orders/instruments which may be drawn on the said account
provided such cheques or orders/instruments are signed by me/us and to debit such cheques or
4.The bank is authorized, where the balance standing to the credit of my/our accounts is below the orders/instruments to the said account whether such debit without prejudice to your right to
required minimum balance, to either amend the rate(s) of interest payable or close the account(s). refuse or allow any overdraft or increase of overdraft and in consideration, I/we agree:

5.The Bank is authorized to transfer money from any deposit account, I/We maintain to any other a. To assume full responsibility for the genuineness or correctness and validity of all
accounts(s), I/We maintain with the Bank whose balance is below the required minimum. endorsements appearing on all cheques, orders, bills, notes, negotiable instruments, receipts
and/or other documents deposited in my/our account.
6.The Bank shall, in addition to any right of set-off or similar right prescribed by law, be entitled,
without notice, to combine and consolidate all or any of my/our Accounts with the Bank (without b. To be responsible for any repayment of any overdraft with interest and to comply with the
any liabilities to the Bank) and/or to set off or transfer any or all amounts owed by me/us or either of Bank's rules and new rates as advised by the bank from time to time.
us or a related party to the Bank against any and all money which the Bank may hold for my/our
account or any other credit be it cash, cheques, valuables deposits securities account or c. To free the Bank from any responsibility for any loss or damage of funds deposited with the
otherwise and whether in Naira or any other currency (hereinafter referred to as “foreign bank due to any future government order; law, tax, embargo, moratorium, exchange restriction
currency”). and/or all other causes beyond the Bank's control.

7.The Bank shall be entitled to retain and not repay any amount whatsoever that it owed to me/us or d. That all funds standing to my/our credit are payable on demand only on such local currency as
which it holds on my/our behalf and until all amounts owed by me/us or the related party to the may be in circulation.
Bank have been repaid or discharged in full and, for so long as such amounts so owed to me/us or
held on my/our behalf towards the payment and discharge of the amounts owed by me/us or either e. To be bound by any notification of change in the conditions governing the account directed to
of us or the related party to the Bank. my/our last known address and any notice or letter sent to my/our last known address shall be
considered as duly delivered and received by me/us at the time it would be delivered in the
8.When effecting any set-off the Bank shall be entitled at its absolute discretion, with or without ordinary course of post.
notice to me/us to convert any Naira or foreign currency into the currency in which the amount
owed was incurred at the applicable official exchange rate for the currencies in question prevailing f. Customers should not write out cheques in staff's name, save customer's spouse and or
in Nigeria at the date and time of such conversion. children who are staff of the Bank. All cheques should be made out in customer's name.

9.I/We shall be responsible for all costs, expenses and liabilities arising from the purchase, g. Customers should desist from transferring money from their accounts into staff's accounts.
retention and sale of investments made on my/our behalf by the Bank which includes but are not Impromptu cash pick ups at the customer's premises by staff should not exceed N500, 000.00
limited to all taxes, statutory fees, duties and levies. (Five Hundred Thousand Naira Only)

10.The bank is hereby authorized, in the absence of any written instruction to the contrary, to place h. Customers who wish to enjoy cash pick up services should make a formal request which
my/our funds in any appropriate investment (which for the purpose of this clause shall include but would be handled in accordance with the laid down procedure for cash pick up. Cash in excess
not be limited to investments in Commercial Paper whether guaranteed by the Bank or of N500,000.00 (Five Hundred thousand Naira Only) should be paid over the counter by the
Otherwise) or on deposit and to renew/reinvest at maturity any investments or deposit made in customer.
my/our name(s) on the same terms and conditions that applied to such investment/deposit
immediately prior to its maturity or on such other terms and conditions as the Bank may, in its I. That if a cheque credited to me/our individual account is returned dishonoured, the same may
absolute discretion, consider appropriate under the circumstances. be transmitted to me/us through my/our last known address either by bearer or by post.

11.The bank may, unless otherwise instructed by me/us, retain on my/our behalf, on a safe custody j. I/we note that the Bank will accept no liability whatsoever for funds handed to members of the
basis, any investment instruments issued in respect of any investment made on my/our behalf staff outside banking hours or outside the bank's premises.
and unless otherwise specifically agreed, I/We will not have recourse to the Bank for the value or
worth of such investments. k. That my/our attention has been drawn to the necessity of safe guarding my/our passwords and
access codes to the bank's non-branch channels including, but not limited to ATM, Internet
12.Where the Bank, in the absence of any previous agreement as to rate of interest and costs and Banking, Telephone Banking, Mobile banking and SMS banking, so that unauthorized persons
charges that will apply if my/our accounts or any of them becomes overdrawn, in its absolute are unable to gain access to it and any neglect of this precaution may be a ground for any
discretion allows me/us to make any drawing that results in my/our account(s) or any of them consequential loss being charged to my/our account.
becoming overdrawn, the Bank shall be entitled to charge such rate of interest and impose such
charges as, in its absolute discretion, it considers appropriate in the circumstances and I/We l. That the Bank is under no obligation to honour any cheque(s) drawn on my/our account unless
agree to pay such interest and charges to the Bank on demand. there are sufficient funds in the account to cover the value of the said cheques(s) and I/we
understand and agree that any such cheque(s) may be returned to me/us unpaid, but if paid, we
13.I/We agree that where I/We give any instruction for a payment(s) that in aggregate exceed(s) the are obliged to repay the bank on demand.
amounts standing to the credit of my/our account(s) against which payment is to be made, the
Bank reserves the right to decline to carry out such instruction or where there is more than one m.That any disagreements with entries on my/our bank statements will be communicated by
transaction, to select the transaction that shall be executed without reference to the date of me/us to the Bank within 5 working days of the dispatch of the bank statements. Failure to
dispatch or time or receipt of my/our instructions, if the Bank in its discretion makes any such communicate any such disagreement in the entries on bank statement to the Bank within 5
payment for which my/our account is not funded I/We confirm my/our obligation to repay the bank working days from the date of dispatch of my/our bank statements shall automatically mean
(whether or not the Bank makes a demand) any outstanding sum in addition to charges and that the content of the bank statement is correct.
interest accrued thereon.
n.That any sum standing to the debit of the current account shall be liable to interest charges at
14.Where I/We maintain a credit account with the bank in any foreign currency, the credit balance of the rate fixed by the bank from time to time. The bank is authorized to debit from my/our account
such account may be held by the Bank with any bank or financial institution it considers first rate the usual banking charges, interest, commission, and any service charge set by Management
located in any country in which such foreign currency is legal tender. Such credit balance will from time to time.
accordingly be subject to all laws and applicable regulations in Nigeria and in the country in which
such credit balance is held and the Bank shall not be held liable if the credit balance or any part Electronic Banking
thereof becomes unavailable as a result of any of the laws and regulations to which such credit I/We confirm and agree that the following terms and conditions shall govern my/our Electronic
balance is subject. Banking transactions with the Bank. The following terms and conditions shall govern the Bank's e-
Banking Services.
15.Where any un-cleared effects credited to my/our account(s) by the Bank are subsequently
dishonoured and/or the Bank for any reason is required to repay to the paying bank of any other 1)Definitions
party all or any part of any amount credited to our account, the Bank will be entitled to debit my/our “Customers” means a customer of the Bank who operates an account with the Bank and is named
account(s) with the amount of such uncleared effects and/or repaid amounts plus accrued in the application form. Where two individuals are named, either or both of them are customers.
interest and applicable bank charges. “The Bank” means Heritage Bank Plc.

16.No failure or delay in exercising any right, power or privilege vested in the Bank by these “Card Holders” means a customer who has been issued the Bank's debit and/or credit card. The
conditions shall operate as a waiver thereof nor shall any partial exercise of such right, power or card is the property of the Bank and will be returned unconditionally and immediately to the bank
privilege preclude any other or further exercise thereof. upon request by the Bank.”
“Service” means the Heritage Bank Limited Internet Banking, eMail and SMS Alert, IVR Solution
17.If any of the Conditions or the provisions specified herein are invalid, illegal or unenforceable in and other electronic products that will be provided by the Bank.
any respect under the law of validity, legality, the enforceability of the remaining conditions and/or
provisions contained herein shall not in any manner be affected or impaired thereby. “Access code, Pass code, User name and Password” means the enabling code with which you
access the system for the Banking service and which is known to you only.
18.Commission and charges shall be levied in accordance with the bank's standard scale of “Account” means a current or savings account or other account maintained with the bank at any of
charges in force from time to time and copies of which are available on request. The Bank the bank's branches in Nigeria.
reserves the right to amend its rates of interest in accordance with its standard scale of charges
and/or conditions from time to time. “PIN” means the Personal Identification Number.

19.Where these conditions are signed by or on behalf of more than one person as the Customer, all “ATM” means Automated Teller Machine that dispenses cash to account holders via the use of
of such persons are bound by these terms and conditions. debit/credit cards or accept cash deposits

20.Any communication by the bank shall be deemed to have been made as soon as it is sent to the “Debit and Credit Card” means the card used by a customer for initiating transactions on the various
most recent address provided by me/us and the date indicated on the duplicate copy of such letter electronic payment channels e.g. ATM, POS, and Internet.
or on the Bank's mailing list will constitute the date on which the communication was sent. Any
statement or confirmation of any transaction between me/us or either of us and Bank shall be 2)The service allows the customers to give the Bank Instructions by use of:
deemed to have been examined by me/us and to be conclusive and binding unless within 5 (five) (a)Telephone, ATM, PIN, Password, Access code, Username and secure message (e-mail, sms),
working days from the date specified on such statement/confirmation, I/We or either of us advise Internet banking for the following:
the Bank in writing that an item contained therein is being disputed, whether or not such item was (I)Obtain Information regarding customer's balances as at the last date of business with the Bank.
made in accordance with the mandate from time to time given by me/us to the Bank. (II)Obtain Information with regards to any instrument in clearing or any balance standing in the
customer's account as at the last date of transaction on the customer's account.

Heritage Bank Plc RC: 1259460

INDIVIDUAL ACCOUNT OPENING FORM
9. TERMS AND CONDITIONS
(III)Authorize the Bank to debit customer's account to pay specified utility bills such as FIRS, NITEL, PHCN, WATER RATE and/or any other bills as specified by the customer subject however to available of such bill payment
under this service.
(IV)Authorize the Bank to effect a transfer of funds from the customer's account(s) to any other account with the Bank.
(V)Authorize the Bank to effect a transfer of funds from the customer's account(s) to any account within the country.
(VI)Authorize the Bank to effect a transfer of funds from the customer's account(s) to any international bank(VII) Authorize the Bank to effect/stop any payment order.
(VIII)Authorize the Bank to debit customers account and load same into a designated card.
(IX)Authorize the Bank to produce a cheque book for the customer based on request
(X)Authorize the bank to purchase or sell securities and interests in mutual funds

b)On receipt of instruction, the Bank will endeavor to carry out the customer's instruction promptly, except in the event of any unforeseen circumstances such as Act of God, Force Majeure and other causes beyond the Bank's
control.

3) Before the service can be availed to any customer, he/she must have one or a combination of the following:
(I) An account with the bank & (ii) a valid email address
(iii)A Pass code, Access code, User name, Password or token authenticator.
(iv)A personal Identification Number “PIN”(v)Valid GSM/ land line number.

4)The Pass code/Access code/Password/E-mail Security.

The Customer understands that his/her Pass code, Access code/Password E-mail is used to give instructions to the bank and accordingly undertakes.
(I) That under no circumstances shall the Pass code, Access code/Password be disclosed to any body.
(ii)Not to write the Pass code/Access code/Password in an open place in order to avoid third party access.
(iii)The customer instructs and authorizes the bank to comply with any instructions given to the bank or through the use of the service.
(iv)Once the bank is instructed by means of the customer's Pass code/Access code and PIN the bank is entitled to assume that those are the instructions given by the customer and to rely on same.
(v)The customer's Pass code must be changed immediately it becomes known to someone else.
(vi)The Bank is exempted from any form of liability whatsoever for complying with any or all instruction(s) given by means of the customer's Pass code/Access code if by any means the Pass/Access code becomes known to a
third party.
(vii)Where a customer notifies the bank of his/her intention to change the Pass code/Access code arising from loss of memory of same, or that has come to the notice of a third party, the bank shall, with the consent of the
customer, delete same and thereafter allow the customer to enter a new Pass code/Access code PROVIDED that the bank shall not be responsible for any loss that occurs between the period of such loss of memory of the
Pass/Access code or knowledge of a third and the time the report is lodged with the Bank.
(viii)Once a customer's Pass code/Access code is given, it shall be sufficient confirmation of the authenticity of the instruction given.
(ix)The customer shall be responsible for any instruction given by means of the customer's Pass code/Access code. Accordingly, the bank shall not be responsible for any loss or consequences suffered by the customer from use
of the customer's Pass code/Access code.

5) Customer's Responsibilities.
(I)The customer undertakes to be absolutely responsible for safeguarding his/her/its user name, Access code/Pass code, PIN, Password, and under no circumstance shall the customer disclose any or all of these to any person.

(II)The bank is expressly exempted from any liability arising from unauthorized access to the customer's account and/or data as contained in the bank's records via the service, which arises as a result of inability and/or otherwise
of the customer to safeguard his/her/its PIN, Pass code/Access code and/or password and/or failure to log out of the system completely by allowing on screen display of his/her/its account information.

(III)The bank is further relieved of any liability as regards breach of duty of secrecy arising out of customer's inability to scrupulously observe and implement the provisions of clause 4 above, and/or instances of breach of such
duty by hackers and other unauthorized access to the customer's account via the service.

6)Under no circumstances will the Bank be liable for any damages, including without limitation, direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with this service or use
thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation, transmission, computer virus or line or system failure, even if the bank or its
representatives thereof are advised of the possibility of such damages, losses or Hyperlink to other Internet resources are at the customers risk.

7)Copyright in the cards and other proprietary information relating to the service including the screens displaying the pages, the information and material therein and agreement is owned by the Bank.

8)For the benefit and security of our customers and to comply with applicable laws, we have a few mandatory guidelines that we call “rules of the road”. Conducts that violates the rules of the road is grounds for termination of this
services and the bank for whatsoever reason vary these terms and conditions. For this reason, the customer undertakes to:

(I)Provides accurate information: Agree to provide true, accurate and complete information about themselves as requested in our registration/account opening forms and the customer agree not to misrepresent his/her identity
or information, which may include user names, password or other access devices for such accounts.

(II)Obey the law:. Customer agrees not to use the service for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's privacy, abusive,
threatening, or obscene, or that infringe the right of others.

(III)Restrictions on commercial use or resale:. Customer's right to use the service is personal therefore customer agrees not assign or make any commercial use of the service.

(IV)Proprietary rights. The customer acknowledges, and agrees that the bank own all rights to information relating to the service including the web site and the content displayed on the site. The customer is only permitted to use
this content as expressly authorized by the service, customer may not copy, reproduce, distribute, or create derivative work from this content. A violation of any of the rules (i-iv) is a ground for discontinuation of the service with
the bank.

9)The Bank shall not be responsible for any electronic virus that the customer may encounter in course of making use of these services.

Disclaimer of warranties
10)The customer expressly understands and agrees that the user of the service is at his/her sole risk. The service is provided on an as is “available” basis. The bank expressly disclaims all warranties of any kind, whether express
or implies, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

11)The Bank makes no warranty that

(I)The service will meet customer's requirements
(II)The service will be uninterrupted, timely secure, or error-free.
(III)The results that may be obtained from the use of the service will be accurate or reliable.
(IV)The quality of any products, services, information or other material purchased or obtained by the customer through the service will meet his/her expectations.
(V) Any errors in the technology will be corrected.

12)Any material downloaded or otherwise obtained through the use of the Service is not responsible for any damage to customer's computer system or loss of data that results from the download of any such material. No advice or
information whether oral or written obtained by customer from us, through us or from the Service will create any warranty not expressly stated in these terms.

13)Customer agrees that the bank will not be liable for any liability, Whether direct, indirect incidental, special, consequential or exemplary damages, including but not limited to damages for the loss of profits, Goodwill, use or
other intangible losses, even if we have been advised of the possibility of such damages, resulting from;
(I) The inability to use the service.
(II)The cost of getting substitute goods and services resulting from any products, data. Information or services purchased or obtained or messages received or transaction entered into through or from the service,
(III)Unauthorized access to or alteration of transmission of data,
(IV)Statement or conduct of anyone on the service, or
(V) Any other matter relating to the service.

14)Indemnification. Except when caused by the bank's intentional misconduct or gross negligence, customer agrees to protect and fully compensate the bank and its affiliates and Service Provider from any/and all third party
claims, liability damages, expenses and costs (including but not limited to, legal fees) caused by or arising from customer's use of the service violation of the terms or infringement, by any other use of customer's account of any
intellectual property or other right of anyone.

15)Service changes and discontinuation. The bank reserves the right to change or discontinue, temporarily or permanently, the service at any time without notice in other to maintain the security and integrity of the service, the
bank may also suspend customer's access to the service at any time without notice. Customer agrees that the bank will not be liable to the customer or any third party for any modification or discontinuation of the service.

(I) The Bank shall not be considered an agent or other legal representative of the customer for any purpose by reason of this agreement and/or any other party whom the customer is using this service to pay.

(ii)This agreement cannot be changed by the customer nor any of the banks right caved unless the bank agree in writing or customer continue using the service following receipt of notice of any changes proposed by the Bank.
(iii)This agreement is personal to the customer and the customer shall not assign same to anyone.
(iv)All notice to the customer shall be in writing via the address the customer has provided to the bank, and all notice to the Bank must be made in writing sent to the bank's address.
(v)The Bank and the customer shall be an independent contractor, and nothing contained in this agreement shall be deemed to create any association, partnership, joint venture or relation of principal, agent or master and
servant, employer or employee between parties.
(vi)If any of these terms is held to be unenforceable, then such provision shall be construed, as nearly as possible, to reflect the intentions of the parties with the other provisions remaining in full force and effect.
(vii)The laws of the Federal Republic of Nigeria “shall govern this agreement.

Credit Bureau
The customer acknowledges that the Bank consults with various credit bureaus and reference agencies, and may be required to disclose the Customer's information to these credit bureaus for the purpose of conducting checks
on the Customer. The Customer hereby irrevocably and unconditionally grants his/her/its account(s)/transaction(s) with the Bank, to such credit bureaus and reference agencies whether based locally or abroad, including
information on the Customer's Directors and other personnel, transactions and conduct on the Customer's account together with details of any non-payment or delayed payments as the Bank may deem necessary. The consent
herein given discharges the Bank from all liabilities, claims, and damages for such disclosure made by the Bank to any credit bureau pursuant to the consent herein granted.

I/We CONFIRM THAT I HAVE READ THE ABOVE TERMS AND CONDITIONS AND FULLY UNDERSTAND THE CONTENTS THEREIN.

Signature and Date Signature and Date

BUSINESS ENTITIES ACCOUNT OPENING FORM

11. DECLARATION

I/We hereby apply for the opening of any account or accounts with Heritage Bank Plc. I/We understand that the information given herein is the basisfor opening such
account(s) and hereby warrant that such information is correct. I/We further undertake to indemnify the Bank for any loss suffered as a result of any false information or
error in the information provided to the Bank. “ In Witness whereof , the common seal of...........................( Name of Company) is hereby affixed this......................day
of........................20.........................
In the presence of :

Director (Name and Signature) Director (Name and Signature)

12. SIGNED, SEALED & DELIVERED BY THE WITHIN NAMED PERSON

Name Status

Signature Date
Day Month Year

Name

Signature Date
Day Month Year

Company Seal Here

13. IN THE PRESENCE OF:

Name Status

Signature Date
Day Month Year

Name

Signature Date
Day Month Year

Company Seal Here

FOR BANK USE ONLY

1. REQUIREMENTS CHECKLIST

S/N DOCUMENTS REQUIRED CHECKED DEFERRED WAIVED N/A

1 Account opening form duly completed

2 Specimen signature card duly completed

3 Copy of CAC Certificate of Registration

4 Board Resolution
Copy of Memorandum and Article of Association
5 (certified as true copy by the Registrar of Companies)

(a)Form C07 Particulars of Directors

6 (Certified true copies by the Registrar of Companies and a certification by a Notary Public for Foreign Companies)

(b)Form C02 Allotment of Shares

7
(Certified true copies by the Registrar of Companies and a certification by a Notary Public for Foreign Companies)

8
Partnership Deed ( where applicable)

9 Approval Letter ( for Government Agency)

10 Act/Gazette( for Government Agency) ( where applicable)

Two(2) passport sized photographs of each signatory to the account with
11 name written on the reverse Side

12 Introduction letter ( where applicable)

13 Status report from Banker (where applicable)

Heritage Bank Plc RC: 1259460

BUSINESS ENTITIES ACCOUNT OPENING FORM

S/N DOCUMENTS REQUIRED CHECKED DEFERRED WAIVED N/A

14 Resident Permit (for non-Nigerians)

Evidence of Registration with Nigerian Investment Promotion Council (NIPC)

15 (where applicable)
Evidence of Registration with Special Control Unit on Money Laundering
16 (SCUML) (where applicable
17 Search Report

18 Power of Attorney (where applicable)

19 Letter of indemnity

20 Proof of Company address

21 Business Premises visitation certificate

Proof of identity of all Signatories and Directors/Officers whose name appear

22 on the account opening form/document (Preferred Identity card are Int’l Passport,
National Identity Card, National Driver’s Licence, and Valid Nigerian INEC Voter’s card)
Proof of Address of all Signatories and Directors/Officers whose name appear
23 on the account opening form/document Utility bill (Certified true copy isacceptable
if original is not held)

24 Two Completed satisfactorily reference forms.

25 Copy of the audited Financial statements

26 Address verification of directors (Ultimate Beneficial Owner)

27 Address verification of Business Address

28 Others (please specify)

A. ACCOUNT OPENED BY:

Introducer

Experience Centre Associate Status

Date
Signature
Day Month Year
B. DEFERRAL (IF ANY) AUTHORISED BY:

Name Status

Date
Signature
Day Month Year
C. ADDRESS VERIFICATION CARRIED OUT BY:

PREMISES 1 COMPANY

Name Status

Date
Signature
Day Month Year
COMMENT(S): (Address description and result findings)

PREMISES 2 DIRECTOR

Name Status

Date
Signature
Day Month Year
COMMENT(S): (Address description and result findings)

PREMISES 3 DIRECTOR

Name Status

Date
Signature
Day Month Year

Heritage Bank Plc RC: 1259460

BUSINESS ENTITIES ACCOUNT OPENING FORM

COMMENT(S): (Address description and result findings)

PREMISES 4 DIRECTOR

Name Status

Date
Signature
Day Month Year
COMMENT(S): (Address description and result findings)

D. ACCOUNT OPENING AUTHORISED/ APPROVED BY:

Service Manager Status

Date
Signature
Day Month Year

Experience Centre Manager Status

Date
Signature
Day Month Year

UNDERTAKING/PLEDGE NOT TO ISSUE DUD/DISHONORED CHEQUE AGAINST UNFUNDED ACCOUNT.

I/WE

OF NO.
HAVING BEEN INFORMED OF THE CENTRAL BANK OF NIGERIA (CBN) CIRCULAR NO. FPR/DIR/CIR/GEN/03/005 DATED 8TH OF JULY 2013 TO
BANKS AND OTHER FINANCIAL INSTITUTIONS ON DUD/DISHONOURED CHEQUES AND THE NECESSARY PROVISIONS OF THE
DISHONOURED CHEQUES (OFFENCES) ACT OF 1977, I/WE HEREBY PLEDGE NOT TO ISSUE ANY CHEQUES AGAINST MY/OUR ACCOUNT IF
UNFUNDED.
I/WE AM/ARE ALSO AWARE OF THE BANK'S OBLIGATION TO INCLUDE MY/OUR NAME IN THE MONTHLY REPORT BEING RENDERED TO CBN
ON AFFECTED CUSTOMERS WHO ISSUE DUD/DISHONOURED CHEQUES AGAINST UNFUNDED ACCOUNTS, AND THE CUSTOMERS WOULD BE
REPORTED TO THE ECONOMIC AND FINANCIAL CRIMES COMMISSION (EFCC) FOR FURTHER INVESTIGATION AND PROSECUTION

AUTHORIZED SIGNATORY DATE

AUTHORIZED SIGNATORY DATE

Heritage Bank Plc RC: 1259460