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AFRICAN BANKERAWARDS 2012

Issue No. 018/13 BK e - Newsletter November 4th 2013

weekthisBKBank of Kigali sponsors the2013 debate finals

Bank of Kigali sponsored the Young Entrepreneurs Debate Championship 2013 organized by Rwanda Inspiration Back Up Ltd. The Final Debate was held at Serena on Sunday 29th September 2013. BK acknowledges its role in nurturing human capital, particularly in improving education which is a critical success factor for Rwanda’s long term skill and capacity development.A total of 29 secondary schools and four

universities participated in the compe-titions where the best performers were rewarded with laptops, scholastics, T-shirts among others. The secondary schools were the best debaters from the provinces.

The City of Kigali and the Eastern Prov-ince participated in the finals. The City of Kigali was represented by Green Hills Academy, Lycee Notre Dame de Citeux,

Bank of Kigali’s Marketing Manager Sarah Kirenga and the University winners of the Debate Championship 2013 posing for a photo after the debate.

In this issue:Bank of Kigali sponsors 2013 debate finals.....................Page 1

BK sports day....................Page 3

BK Yacu user instructions....................Page 5

IT security awareness...................Page 6

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AFRICAN BANKERAWARDS 2012

BK e-Newsletter

Kagarama Secondary School and APE Rugunga, while Eastern Province was represented by Nyagatare Secondary School, Groupe Scolaire Saint Aloys, Institut Don Bosco, Kiziguro Secondary School and Gahini Secondary School.

Green Hills clinched the top spot nation-wide after emerging the best in Kigali City Province. The university category was won by the Higher Institute of Ag-riculture and Animal Husbandry (ISAE- Busogo) in a competition that included the National University of Rwanda, the School of Finance and banking as well Mt Kenya University. The debate aims at widening the scope of understanding about entrepreneurship among sec-ondary and university students in line with encouraging and enabling them to become job creators as opposed to job seekers.

The Permanent Secretary in Ministry of Youth and ICT, Rose Mary Mbabazi, appreciated Rwanda Inspiration Back Up for the idea of organizing such competi-tions because it helps youth to improve on their capacity.

As the leading Bank in Rwanda, Bank of Kigali (BK) is committed to transforming the lives of Rwandans not only through providing the most innovative financial solutions on the market but also by giving back to the community.The Bank reaffirms its commitment to

broadening horizons and encouraging young people to take up higher edu-cation opportunities to broaden their future career options. Education has a defining role as the world matures into an international community driven by knowledge and technology. It is the po-tential for education to change the world for the better that has caused Bank of Kigali to support education as part of its CSR to society and in particular its support for the youth.

Bank of Kigali is very proud to support and be involved in major initiatives such as the Final Debate in Rwanda. We take education and activities which encour-age youth development very seriously, as we believe that the development of a well-educated society is directly linked to the future health and success of all communities.

The Bank also hosted students from different Universities and Secondary schools around Rwanda who were to participate at the Young Entrepreneurs Debate Championship 2013. The visiting delegation totals to about 35 including Students and their Patrons.

Bk team did a profound job promoting and educating the visiting guests on our innovative products, the team had an opportunity to interact with the guests and tour different departments in the bank.

RDB Represenative Apollo Munanura hands over prizes to the winners.

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AFRICAN BANKERAWARDS 2012

BK sports dayBK Football team before the friendly match with Banque de Credit de Bujumbura (BCB) at Amahoro Stadium

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Bank of Kigali hosted Banque de Credit de Bujumbura to a friendly match in basketball as well as football on Sunday October 20th 2013 the day got off to a great start with teams from both banks playing Basketball at Cercle Sportif de, Kigali. In the first two quarters

Bank of Kigali dominated the scores while in last two quarters Banque de Credit de Bujumbura played better and increased their scores. However the BK team proved to the have played better winning the match with a score of 59 points.

The football match which took place at Amahoro Stadium and attended by staff members of both Banks.

The Chief Operations Officer of Bank of Kigali, Lawson Naibo and some of the staff members of the Bank opened the game by greeting all players from both teams on the field. In the spirit of sportsmanship, both teams also shook hands before the game began.

Our team played exceptionally well during the first half and scored four goals whereas Banque de Credit de Bujumbura scored one goal. The match ended with Bank of Kigali scoring an incredible 8 goals to BCB’s 1 goal. The football game was a spectacular end to the sporting events that left spectators looking forward to the round of activities between the two banks. What followed was a luncheon held at the Bank of

BK Basketball team after the game with Banque de Credit de Bujumbura (BCB) at Cercle Sportif de Kigali

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BK e-Newsletter

Kigali Head Offices where the teams were treated to a sumptuous meal and speeches were given and there after the staff members relished.

Sports Day offers Bank of Kigali a wonderful opportunity to carry out Corporate Social Responsibility initiatives that build employee spirit as well as make a significant contribution to the nation’s well-being by promoting a healthier lifestyle through sporting

activities. “Thank you for honoring our invite, we welcome the establishment of a relationship with BCB and look forward to what lies ahead for both institutions” noted the Chief Finance Officer John Bugunya.

Sports is all about being motivated and today was a testament to the Bank’s ongoing commitment to enable and empower not only our own staff, but our customers and the people of region

in general, to aspire and achieve more in every aspect of their work and life,” said the Captain of Banque de Credit de Bujumbura Basketball team

Banque de Credit de Bujumbura was presented with a trophy for participating in both games. In turn BK was awarded with a trophy for winning both games by the Banque de Credit de Bujumbura representative.

BK Sports event pictorial

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We are CLoserNow you can access BK services wherever you are.

STEP 3

STEP 4

Enter your PIN and confirm, the beneficiary receives a onetime

PAN and a secret passcode through SMS.

STEP 2Select the account number to debit,

add amount and mobile number of beneficiary

STEP 1Select from your

BK Yacu Menu > BK Agency Banking > Send money

The beneficiary will need to provide the PAN and the secret passcode for the withdrawal at the agent

outlet. The outlet assistant will ask for valid identification document before giving out cash.

To send money to anyone in Rwanda whether a BK account holder or not, dial *334# on your mobile phone to access the BK Yacu application on your phone, enter your PIN and Proceed as follows:3

STEP 4

The agent assistant will process the transaction from on their phone and both you and

the Agent MUST receive sms notification

STEP 3

STEP 2

STEP 1Visit any BK Yacu agent outlet with your valid ID card

and present PAN and the 4 digit secret passcode sms you received.

You will need to count and verify your cash before leaving the agent outlet.

Agent completes the BK Yacu receipt book; you willsign and receive your BK Yacu receipt copy, with your

ID and the Cash.

To RECEIVE Money from any BK Yacu agent outlet once you have received an sms notication for money sent to you by any BK Account Holder, Proceed as follows:4

How to Deposit, Withdraw, Send and

Receive moneyTo DEPOSIT cash into any BK Bank account from any BK Yacu agent Outlet, Proceed as follows:1

To WITHDRAW cash at any BK YacuOutlet using your mobile phone, Proceed as follows:2

STEP 3

STEP 4

STEP 5

Present the PAN and the 4 digit secret passcode for the withdrawal to the agent outlet assistant

to process the transaction.

Both agent and you MUST get sms notifications for the transaction to be successful.

Agent completes the BK Yacu receipt book; you will sign and receive your BK Yacu receipt copy,

with your ID and the Cash.

STEP 2

STEP 1Visit any BK Yacu Agent

outlet with your valid ID card and Mobile phone

Dial *334#, and enter your four digit secret PIN(Mobiserve), Select Menu > BK Agency Banking >

Cash withdrawal, Input the amount you wantto withdraw and confirm.

After confirmation, you receive a onetime PAN and a secret passcode

STEP 4

STEP 1

STEP 2

STEP 3

STEP 4

Visit any BK Yacu Agent outlet with your valid ID card and Mobile phone

Present your account Number, the cash to bedeposited and the reason for the transaction.

Agent will verify the information, ID and the money and will then

use their phone to deposit the cash

Both agent and you MUST receive an sms notificationfor the transaction to be successful. Agent completes the BK

Yacu receipt book; you will sign and receive your copy of the receipt and your ID Card.

Dial *334#

to accessthe Menu

Register at your nearest branch today to accessyour Bank at any BK Yacu outlet countrywide

Note: Please present your withdrawal sms to an agent within 24 hours of generation.Once the PAN and the passcode have been generated, they can only last for 24 hours after which they will be invalid.

What is BK Yacu?BK Yacu is a branchless banking service that enables BK customers to carry out their banking at their nearest BK Yacu agent countrywide.

Who is a BK Yacu agent?A BK Yacu agent is a retail outlet contracted and approved by the Bank, to process clients’ transactions. BK Yacu outlets include Supermarkets, Pharmacies, Dry Cleaners, Retail shops, Petrol Stations, Mobile Telecom agents among others.

How do I get to use this service?You will have to register with BK for the BK Yacu mobile application. To register, visit any BK branch and get activated instantly or request to fill a mobile banking application form at any BK agent.

Do I need to have a bank account with Bank of Kigali to access the agency banking services?Yes, you must have an account unless you are receiving money from a BK account holder.

What are the main benefits of using BK Yacu service to customers?• Reduced time and distances traveled to Bank branch as the agent is closer to you.• Longer banking hours as some agents open as early as 6 a.m. and close as late as 9 p.m. while others work overnight.• Shorter queues than in branches saves you time.• More personalized services since agent outlets are many and serve few clients.• Lower transaction cost; it is closer to you as opposed to taking a taxi to go far where the branch is located.• More accessible at your neighborhood and comfort in dealing with people you know who are BK agents.• Enables non-BK clients to receive money (from existing BK Clients) at the comfort of their neighborhoods irrespective of whether they have an account with BK or not and whichever mobile network they operate with then the same money can be withdrawn at any BK agent in the country.

What Services are currently available with BK Yacu application?The main available services are:• Deposit Cash.• Withdraw Cash.• Send Money (person to person) to anyone in Rwanda.• Application for account opening.• Apply for Visa debit card and cheque books.• Register for BK Mobile Banking Services and for mVISA.• Pay Merchant through a menu called mPay.

How much does it cost to transact at an agent?Clients will be charged by the system on their accounts as per the below tariff:

Customer fees at BK Yacu Agents

Available Services Min Max Customer Charge (RWF)

Cash - in (Deposit) 500 1,500,000 0

Cash-Out (Self With-drawal) at a BK Yacu Agent

500 2,500 100

2,501 5,000 200

5,001 10,000 250

10,001 20,000 300

20,001 40,000 400

40,001 75,000 800

75,001 150,000 1,500

150,001 300,000 2,500

300,001 500,000 4,000

Send Money to any one in Rwanda

500 2,500 130

2,501 5,000 200

5,001 10,000 250

10,001 20,000 300

20,001 40,000 400

40,001 75,000 800

75,001 150,000 1,500

150,001 300,000 2,500

300,001 500,000 4,000

Receive Money Sent at a BK Yacu Agent 500 500,000 0

Customer Account Opening Form Collection– Personal /Business 0

Consumer enrollment – Customer Registration for BK Yacu , BK mVISA, Visa Debit Cards and Cheque Book Request

0

NOTE: The customer’s account will be debited directly for each charge and no extra charges will be collected by the agent for any service. All other charges will be in line with the already approved tariffs for respective products already offered in Bank of Kigali.For more information, please call 4455 or visit your nearest Branch Manager.

*Terms and Conditions Apply.

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AFRICAN BANKERAWARDS 2012

There are different ways cyber criminals can HACK you. Be careful a hacker may be behind what you download, what websites you access, what link you click on and what e-mail you receive.

Fortunately, by taking some simple steps, you can help protect BANK OF KIGALI LTD, yourself and your family.

Watch your Username & Passwords: Treat your password like your biggest secret ever (you won’t tell it to your mother, husband or children).Change your password as required by the system or when you suspect or think someone knows about it.

Example password: $5*iMyu.mB@t!7cy#N9

Always lock your computer screen or log off the computer when you are not using it!Anything that happens under your Login is your Responsibility!

Know categories of the information that you are responsible of:Some information is more SENSITIVE than other information, and it must be protected in a more secure manner!

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IT SECURITY AWARENESS!ARE YOU A BK EMPLOYEE?

YOU MAY BE A TARGET