United Finance Mobile App

Products & Services Offered by United Finance PLC.

1. Loan Products a) Lease Facility: Flexible leasing options for vehicles, machinery, and equipment to support business growth. b) Business Loan: Tailored financing solutions for SMEs and large corporations to fund operations and expansion. c) Short-Term Loan: Quick and accessible loans for urgent capital needs, available to both businesses and individuals. d) Home Loan: Retail loans designed for property purchase or construction, with flexible repayment plans. e) Personal Loan: Unsecured loans catering to personal needs, providing easy access to funds. f) Car Loan: Affordable loans for purchasing new or reconditioned cars. g) Loan Against Deposit: Secured loans against existing deposits, offering quick access to funds.

2. Loan Information Disclosure At United Finance PLC, we ensure transparency and adherence to financial regulations. Kindly review the following loan details: a) Repayment Period Minimum: 12 months Maximum: 180 months Note: We do not offer loans with repayment periods of less than 60 days. b) Maximum Annual Percentage Rate (APR) Maximum APR: 20% (inclusive of interest and applicable fees) c) Representative Loan Amount: 100,000 BDT Repayment Period: 12 months APR: 20% Total Payable Amount: 111,161.41 BDT d) Privacy Policy We value your privacy. Please review our comprehensive Privacy Policy to understand how we collect, use, and share your data: Privacy Policy (https://ufifs.ufplc.com/Documents/Privacy_Policy.pdf)

3. Deposit Products a). Fixed Deposits (FDR): Flexible tenures (3–30 months) starting from a minimum deposit of BDT 10,000, with loan facilities available. b). Deposit Pension Schemes (DPS): Starting from BDT 1,000 monthly or BDT 50,000 down payment, with options such as Shanchoy, Easy Millionaire, and more. c). Insured Deposit: Monthly installments starting at BDT 1,000, with insurance coverage. Includes Insured DPS and related schemes. d) Earner Deposit: Maximize savings with periodic returns via Monthly or Quarterly Earner Schemes.

4. United Finance Mobile Application (UMA) Features: UMA provides a secure, user-friendly platform for managing financial services, ensuring compliance with the Financial Institution Act 2023 and Bangladesh Bank regulations. Key features include: a) User Registration: Secure onboarding via mobile, email, and identity verification with OTP, Captcha, and password protection. b) User Login: Flexible access with mobile number or user ID and password for secure account management. c) Balance Enquiry: View detailed account balances, download statements, and confirmation certificates. d) Service Request: Easily request services like deposit payments, encashment, and tax document uploads. e) New Deposit Application: Apply for Fixed Deposit Receipts (FDR) and Deposit Pension Schemes (DPS) with e-KYC verification. f) Loan Lead Generation: Submit loan inquiries for various types (e.g., home, short-term) as lead generation only. g) Feedback & Ratings: Share feedback through ratings and comments to improve services.

We are requesting an ATS exception for specific endpoints used by legacy systems critical to our app's functionality. These systems do not currently support ATS requirements, but all communications are encrypted using SSL/TLS. We are actively working with our partners to upgrade these servers to support ATS-compliant configurations and expect to complete this upgrade by 3 months. Other communications within the app fully comply with ATS requirements to maintain security.

(This app uses iTunes File Sharing to allow users to export and import their data securely. Users can access the files through iTunes or Finder on macOS.)