PRODUCT DESCRIPTION

A special savings account, which enables artisans, drivers, retail operators and individuals who are self employed to make daily or periodic contribution from their sales or daily income. This is also meant to inculcate financial discipline by setting certain proportion of their income aside to build up a target savings volume to meet up with their future needs.

REGULAR SAVERS FEATURES
Opening Balance	N2,000
Minimum Balance	N1,000
No of permissible withdrawals to qualify for a SMB gift pack.	Once a quarter
Average Balance to qualify for a SMB gift pack.	N500,000 within 6months
Gifts given to customers	Maximum of two times per annum
Savings Interest	1% above regular savings p.a

Gifts to be given to regular savers include Ball point pens, Umbrellas, DVD players, generator, cash price, laptop etc. (Maximum price should not exceed N50,000 as gift for a grand winner with the highest average amount bi-annually).

BUSINESS SAVERS FEATURES
Opening Balance	N2,500
Minimum Balance	N2,000
Handling charges	N3 per mil
Mode of withdrawals	Debit card (with a maximum of N250,000 withdrawal per day upon request in writing by the account holder) or across the counter only. No cheque books allowed.
Cheque Payments into account	Allowed provided two references are provided.
Savings Interest	Withdrawals more than once a month will result to a forfeiture of interest.

Benefits

Interest on savings is 1% higher than regular savings
Personalized banking service
Receipt of quaterly account statements
Cheque lodgements allowed,if referees are provided
Access to loan, if the need arises
Instant debit card

Form ID.		Account type	SMB Easy Save
Personal Details
Title	Mr Mrs Miss	First Name
Last Name		Email
Phone No. (office)		Phone No. (home)
Date of Birth		Postal Code
Residential Address
Nationality		Local Govt. Area
Work Details
Date of Employment		Business / Occupation
Business Address
Employer's Name		Previous Employer
Next of Kin
First Name		Last Name
Relationship		Phone No.
Address

I hereby apply for the opening of an account with Skye Mortgage. I understand that the information givein herein and the documents supplied are the basis for opening such accounts and therefore warrant that such information is correct.