Dialog Finance | Key Fact Document

Savings Account

Product Name	Savings (Individual Customers) / Digital Savings
Eligibility	Age limit 18+ Sri Lankan Citizen & Foreigners with permanent visa
Benefit of the Product	Online access to your money on the go, access through genie app Keep a track of your savings Instant fund transfers Call funds through “just pay”/ eZ banking retailers or Dialog arcades. Pay your utilities with ease. Debit Card to perform local and International transactions at ease. E-statements. Pay with Lanka QR Your one stop transactional account
Required Documents	NIC Passport / Driving License (not applicable for digital onboarding) Billing proof (If required) A/C opening mandate OR digital account opening process
Applicable Interest Rates	*Please refer rate sheet for latest interest rates on the website

Other Charges	Refer to Rates and Charges
Dormant Account Policy	If there are no transactions carried out by the customer for more than 10 years from the last transaction date, then the account will be categorized as Dormant account.
Other Restrictions	If the account was opened with zero balance and no transactions were carried out for a period of 3 months, such accounts will be closed by the Company after informing the customer.

Savings - Pockets

Product Name	Savings Pockets (individual Customers)
Eligibility	1. Have a Digital Savings Account in Genie app
Benefit of the Product	Allocate short-term savings effortlessly. Transfer money from your Digital Savings account. Money in the savings pockets can be transferred back to your digital savings account at any time via the genie app. Save now for your future needs 7 Pockets can be created Mange your savings and practice effective financial discipline
Required Documents	Should have created a Digital Savings Account
Applicable Interest Rates	*Interest rate applicable to Digital Savings Account will apply -Please refer rate sheet for latest interest rates.

Other Charges	No charges
Dormant Account Policy	Refer to Digital Savings Account above
Other Restrictions	Funds can be moved only between the Savings Pockets and Digital Savings Account. No other transaction is permitted.

Savings Account - Corporate

Product Name	Savings – Corporate
Eligibility	Corporate Entities in Sri Lanka SME Business establishments
Benefit of the Product	Fund transfers to Customers/ Business partners Keep a track of your savings Internet Access (Upon request)
Required Documents	Proprietorship/Partnership account Copy of the business registration Document Proprietor Information/ Partnership deed Corporations / Limited Liability Company Copy of Certificate of Incorporation Copy of form 40 Board Resolution to open Account Copy of form 20
Applicable Interest Rates	*Please refer rate sheet for latest interest rates on the website

Dormant Account Policy	If there are no transactions carried out by the customer for more than 10 years from the last transaction date, then the account will be categorized as Dormant account.
Other Restrictions	If the account was opened with zero balance and no transactions were carried out for a period of 3 months, such accounts will be closed by the Company after informing the customer.

Savings Account - Minor

Product Name	Savings – Minor
Eligibility	Any child from an infant to 17 years of age is eligible. Sri Lankan Citizen
Benefit of the Product	View access to the baby's account through the guardian’s genie app Instant fund transfers E-statement
Required Documents	Baby's birth certificate Guardian's NIC A/C opening mandate or Digital account opening process.
Applicable Interest Rates	*Please refer rate sheet for latest interest rates.

Dormant Account Policy	This account will not be classified as dormant until the Child turns 18.
Other Restrictions	Premature withdrawals are allowed only if it is for an emergency i.e. hospitalization (where documentary evidence is required) or for an educational purpose (where documentary evidence is required). He/she should claim the balance or convert the Minor Account to a normal Savings Account after providing his/her National Identity Card together with any other documents required by the Company to satisfy itself the identity of the person so claiming the funds along with the original birth certificate.

Dormant Account Policy

This account will not be classified as dormant until the Child turns 18.

Other Restrictions

Premature withdrawals are allowed only if it is for an emergency i.e. hospitalization (where documentary evidence is required) or for an educational purpose (where documentary evidence is required).

He/she should claim the balance or convert the Minor Account to a normal Savings Account after providing his/her National Identity Card together with any other documents required by the Company to satisfy itself the identity of the person so claiming the funds along with the original birth certificate.

Goal Based Fixed Deposit

Product Name	Goal Based Fixed Deposit
Eligibility	Age 18+ Sri Lankan Citizens
Benefit of the Product	Duration - 12 months to 60 months Save towards a target Flexibility to select target amount or monthly instalment Start savings from as low as Rs 100.00 Grow your savings to achieve future objectives Access via the genie app
Required Documents	NIC Selfie Billing Proof (If required) Digital KYC verification Digital Savings account
Applicable Interest Rates	*Please refer the rate sheet for latest rates on our website

Premature Withdrawals	In the event of premature withdrawal, interest will be paid at the prevailing Savings Account interest rate or the interest rate applicable to the account at the time of opening, which is lower. No interest will be paid if the account is withdrawn before the completion of (1) one month.

Fixed Deposits

Product Name	Fixed Deposits (Individual)
Eligibility	Age 18+ Sri Lankan Citizens & Foreigners with permanent visa
Benefit of the Product	Digital onboarding – Open a digital Fixed deposit from anywhere Duration from 1 month to 60 months Initial deposit of Rs 5000.00 Earn attractive returns Ability to earn interest monthly and at maturity E-Statements Premature upliftment’s via service requests made via the App Ability to obtain a cashback facilities or loans against your Fixed Deposit
Required Documents	NIC/ passport/ driving license (Individual) Billing proof (if required) A/C opening mandate OR digital account opening process
Applicable Interest Rates	* Please refer rate sheet for latest interest rates on our website

Premature Withdrawals	In the event of premature withdrawal, interest will be paid at the prevailing Savings Account interest rate or the interest rate applicable to the account at the time of opening, which is lower. No interest will be paid if the account is withdrawn before the completion of (1) one month.
Dormant Policy	In the event of the Fixed Deposit account was not renewed or repaid at the end of the tenor of the Fixed Deposit, then and customer has not provided any instructions, such accounts will be declared as dormant.

Fixed Deposits (Corporate and SME)

Product Name	Fixed Deposits (Corporate and SME)
Eligibility	Corporate and SME entities
Benefit of the Product	Duration from 1 month to 60 months Initial deposit of Rs 5000.00 Earn attractive returns Ability to earn interest monthly and at maturity Premature upliftment’s via request letter or registered email address Ability to obtain a cashback facilities Internet access (upon request)
Required Documents	Business Registration and related documents (Corporate) Billing proof (if required) A/C opening mandate OR digital account opening process
Applicable Interest Rates	* Please refer rate sheet for latest interest rates on our website

Premature Withdrawals	Interest payable will be calculated at a lower rate in the event the Fixed Deposit is withdrawn before the maturity. If the interest is paid monthly to the customer, the applicable premature withdrawal chargers (Interest) will be deducted from the initial deposit.

Quick Loan

Product Name	Quick Loan
Eligibility	Pre-approved by the Company
Benefit of the Product	Digital Savings Account Automatic repayment of loan from Savings Account Loan can be obtained easily via digital onboarding using the genie app Ability to view loan status in the App
Required Documents	NIC Billing proof (If required) Digital account opening process
Penal Interest Rate	Please refer rates & charges sheet.
Other Charges	Please refer rates & charges sheet.
Collateral	Personal Guarantee

Loan Against Fixed Deposit

Product Name	Loan Against Fixed Deposit
Eligibility	Customer need to have a savings account attached to the genie app. Customer need to have a fixed deposit account with Dialog Finance PLC. Customer need to have a fixed deposit worth of Rs, 25,000/- to apply for a Loan against FD. Fixed deposit should not be collateral for any other loans. If the fixed deposit is placed under a “closure at maturity” renewable instruction, then the remaining period should be within 3 months from the maturity date.
Benefit of the Product	Applying for a loan with just a few taps on your device. Prepay the loan at any time before the maturity of the fixed deposit. Customer will continue to earn interest on the fixed deposit
Required Documents	Digital account opening process

Applicable Interest Rates	The interest rates for the Loan Against Fixed Deposits depend on the fixed deposit interest rates. It’s displayed on the app for the customers.
Other Charges	The processing fee associated with availing the Loan Against Fixed Deposits. Please refer to the Rates and Charges
Collateral	Fixed Deposit Account

Lesi Pay Loans

Product Name	Lesi Pay
Eligibility	Based on predefined automated credit score model of the customers
Benefit of the Product	Financial support to the eligible cx base who cannot afford Device cost at once No guarantors No credit card required Simple digitize journey to apply
Required Documents	NIC card F2F if cx NIC not registered in DRP database If cx submitting PP or DL instead of NIC card – require F2F and billing proof for PP submissions
Penal Interest Rate	Please refer rates & charges sheet.
Other Charges	Please refer rates & charges sheet.
Collateral	Not required

Flexi Pay

Product Name	Flexi Pay
Eligibility	Pre-approved by the Company
Benefit of the Product	Flexible and Convenient Repayment - Flexi Pay allows customers to convert their everyday Genie Mastercard debit card purchases into affordable monthly installment plans, giving greater control over cash flow without the need for a credit card. Seamless Digital Experience - Customers can check eligibility and convert eligible transactions into installments instantly through a fully digital journey, with no paperwork or branch visits required.
Required Documents	Valid National Identity Card (NIC) - Required to verify the customer's identity as part of regulatory and compliance requirements. Active Genie Digital Savings Account - An active Genie Digital Savings Account with Dialog Finance is required, as loan eligibility is assessed based on the customer's savings account behavior.
Penal Interest Rate	Please refer rates & charges sheet.
Other Charges	Please refer rates & charges sheet.
Collateral	Personal Guarantee

Leasing

Product Name	Leasing
Eligibility	Age 20 – 55 years of age Sri Lankan Citizens Professionals/Businessmen/Individuals and cooperates Regular CRIB record
Benefit of the Product	Car/Van/SUV's (Registered / Un-registered ) Flexible on selecting the period between 13 months to 60 months Flexibility on selecting the monthly rental and settling the facility at maturity or when reselling the vehicle.
Required Documents	NIC Billing proof (If required) A/C opening mandate OR digital account opening process Business Registration Certificate (Corporates, Partnership or sole proprietorship)

Penal Interest Rate	Please refer rates & charges sheet.
Other Charges	Please refer rates and charges sheet
Collateral	Absolute Ownership of the Vehicle Personal Guarantees

Term Loans

Product Name	Term Loan
Eligibility	SME Clients / Corporates / Individuals
Benefit of the Product	Attractive Interest rates Quick processing of loans Dialog Finance Savings Account Ability assign debtor payments to settle loan instalments
Required Documents	NIC / BR registration certificate A/C opening mandate OR digital account opening process Bank statements / Income proof
Penal Interest Rate	Please refer rates & charges sheet.
Other Charges	Please refer rates and charges sheet.
Collateral	Immovable Property, Personal Guarantee, Movable property / Equipment

Invoice Order Financing

Product Name	Factoring
Eligibility	SME Clients / Corporates
Benefit of the Product	Attractive Interest rates Quick processing of factoring facility
Required Documents	NIC / BR registration certificate A/C opening mandate OR digital account opening process Bank statements / Income proof
Penal Interest Rate	Please refer rates & charges sheet.
Other Charges	Please refer rates and charges sheet.
Collateral	Personal Guarantee

Revolving Business Loans

Product Name	Business Revolving Loan
Eligibility	SME Clients / Corporates / Individuals
Benefit of the Product	Attractive Interest rates Quick processing of factoring facility
Required Documents	NIC / BR registration certificate A/C opening mandate OR digital account opening process Bank statements / Income proof
Penal Interest Rate	Please refer rates & charges sheet.
Other Charges	Please refer rates and charges sheet.
Collateral	Personal Guarantee, Immovable Property.

Margin Trading

Product Name	Margin Trading
Eligibility	Individuals/ Corporate
Benefit of the Product	Attractive Interest rates Quick processing of Margin Trading facility Superior Customer Service Ability to diversify the investment opportunities Ability to obtain multiple facilities
Required Documents	NIC / Passport / BR Margin Trading Application form Income proof /legal documents related to corporates Billing proof (If required)
Penal Interest Rate	Not Applicable
Other Charges	Please refer rates and charges sheet.
Collateral	Shares/ Stocks

Applicable legal provisions related to the loan products/services

Product Name	Directly Applicable Legal Provisions	Other Legal Provisions applicable based on the circumstances of the Facility
Leasing	Finance Leasing Act No.56 of 2000	Debt Recovery (Special Provisions) Act No.2 of 1990 Consumer Credit Act No. 29 of 1982 Arbitration Act No.11 of 1995 Registration of Documents Ordinance Prevention of Frauds Ordinance Secured Transactions Act No.49 of 2009 Registration of Title No. 21 of 1998 Prescription Ordinance Inland Revenue Act No.24 of 2017 Motor Traffic Act No 14 of 1951 Finance Business Act No.42 of 2011 Companies Act No. 07 of 2007 Payment and Settlement Systems Act, No. 28 of 2005 Bills of Exchange Ordinance Financial Transaction Reporting Act No. 06 of 2006 Prevention of Terrorism (Temporary Provisions) Act No. 48 of 1979 Prevention of Money Laundering Act No. 05 of 2006 Convention on the Suppression of Terrorist Financing Act No. 25 of 2005 Electronic Transactions Act No. 19 of 2006 Computer Crimes Act No. 24 of 2007
Mortgage Loans	Mortgage Act No. 6 of 1949
Margin Trading Facilities	Securities and Exchange Commission of Sri Lanka Act No. 19 of 2021
Quick Loans	Mediation Board Act No. 72 of 1988
Other Loans including Term Loans, Invoice/ Purchase Order Factoring and Revolving Business Loans	Money Lending Ordinance

**The above Legal Provisions include any amendments made thereto from time to time and any Rules, Directions, Guidelines and/or Circulars issued by the relevant authority thereunder.

Unauthorized / Mistaken Transactions

Unauthorized / Mistaken Credit Transactions in your account

In the event you have received a credit transaction/s and you are not aware of this transaction, do not use the funds but immediately report to our Customer Service call centre on 0777 370370 / 0760760760 or send a service request via the App..
Provide details of the incorrect credit transaction/s such as date, amount and description of the transaction
Please note that you are not supposed to use funds incorrectly credited to your account.

Unauthorized / Mistaken Debit Transactions in your account

In the event you have received a debit transaction which is not authorized by you, immediately report the and you are not aware of this transaction, do not use the funds but immediately report to our Customer Service call centre on 0777 370370 / 0760760760 or send a service request via the App.
Provide details of the disputed transaction/s such as date, amount and description of the transaction
Please note that you are not supposed to use funds incorrectly credited to your account.