ZENITH BANK PLC RC: 150224

INTERNET BANKING FORM

DATE: 18th,
………..……………......
March 2025
Kindly tick the Internet Banking Service you require.

Yes Internet Banking Application

(For corporate customers, kindly complete
Enquiries Only Enquiries + Funds Transfer Yes Corporate I-Bank request form)
(Kindly note that Hardware Security Token is required for Internet Banking)

Yes Internet Banking PIN Reset

Internet Banking PIN Collection: E-Mail Delivery Yes Self Pick-Up

Yes Internet Banking Funds Transfer Reactivation

Internet Banking Funds Transfer Deactivation

Yes Tie Additional Account(s) to Primary Account

Primary Account Number ____________________________________

2254703054

Additional Account(s):

1 ______________________________
5075105214 2 ___________________________

3 _______________________________ 4 ___________________________

Customer Details
Osifo Abraham
Account Name: _________________________________________________________

Account Number: 5075105214

Phone Details: 0703 536 1037

E-mail Address: _________________________________________________________

abrahamosifo79@gmail.com
I have carefully read and accepted the Electronic Banking Agreement

................................................... ...................................................
AUTHORISED SIGNATORY AUTHORISED SIGNATORY

FOR BANK USE ONLY

CIP Verified: YES NO

………………………… ……………………… ………………………

Treated by (Name) Signature Date

………………………… ……………………… ………………………

Authorised by (Name) Signature Date
The following terms and conditions shall govern the Zenith Bank Plc E-Banking Service.

1. Definitions

"Customers" means a customer of Zenith Bank Plc who has or operates an account with the bank and is named in the
application form but where two individuals are named, either or both of them are customers.
"The Bank" means Zenith Bank Plc.
“Card” means Zenith Eazycard issued to customers..
”Card Holders” means a customer who has been issued a Zenith EaZycard. The card is the property of the Bank and will be
returned unconditionally and immediately to the bank upon request by the bank.
"Service" means the Zenith Bank Plc Internet Banking, Telephone Banking, Secure message facility and bills payment Services,
etc.
"Accesscode, Passcode, Username and Password” means the enabling code with which you access the system and which is
known to you only.
"Account" means a current or savings account or other account maintained with the bank at any of the bank’s branches in
Nigeria.
“PIN” means your Personal Identification Number
"Mailing Address" means the customer’s mailing address in the bank’s records.
"Instruction” means the customer’s request to the bank for the services.
"ATM” means Automated Teller Machine that dispenses cash to account holders or accepts cash deposits with the use of a
smartcard i.e. debit card or credit card.
"Zenith Easy Card” means the card used by a customer for processing transactions through a Payment Switch on various
payment channels e.g. ATM, POS.
"Payment Switch” means an online electronic transaction processing payment infrastructure that connects different payment
channels to the payment processors and enablers’ e.g. InterSwitch.
“Secure Message Facility” means the facility within the e-Banking Service that enables the Client to send electronic messages (e-
mail, sms) to the Bank, including without limitation free-format messages, fixed format messages, or instructions to make
payments, requests for cheque books, bank drafts or the purchase or sale of securities and interests in mutual funds.
2. The service allows the customers to give the bank instructions by use of:
(a) Telephone, ATM, PIN, Password, Accesscode, Username and secure message (email, sms) for the following:
(I) Obtain information regarding customer’s balances as at the last date of business with the bank.
(ii) Obtain information with regards to any instrument in clearing or any credit standing in the customers account as at the last
date of transaction on the customer’s account.
(iii) Authorize the bank to debit customer’s account to pay a specified utility bill such as NITEL, NEPA, WATER RATE and/or
any other bills as specified by the customer subject however to availability of such bill payment under this service.
(iv) Authorizing the bank to effect a transfer of funds from the customer’s account to any other account with the bank.
(v) Authorizing the bank to effect any stop payment order.
(vi) Authorizing the bank to debit customers account and load same into value card.
(b) On receipt of instructions, the bank will endeavor to carry out the customer’s instructions promptly, excepting all or any
unforeseen circumstances such as Act of God, Force Majuro, and other causes beyond the bank’s control.
3. Before the service can avail any customer, he/she must have:- any one or a combination of the following:
(I) An account with the bank
(ii) A Passcode, accesscode, username, password or Token authenticator.
(iii) A Personal Identification Number “PIN”
(iv) An E-mail address
(v) GSM Number
4 The Passcode/Access Code/Password/E-mail Security
The Customer understands that his/her Passcode, Accesscode/ Password/E-mail is used to give instructions to the bank and
accordingly undertakes:
(i) That under no circumstances shall the Passcode, Access Code/Password be disclosed to any body.
(ii) Not to write the Passcode, Access Code/Password in an open place in order to avoid third party coming across same.
(iii) The customer instructs and authorizes the bank to comply with any instructions given to the bank through the use of the
service.
(iv) Once the bank is instructed by means of the customer’s Passcode, Accesscode 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 Passcode, Accesscode 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 Passcode, Accesscode if by any means the Passcode, Accesscode becomes known to a third party.
(vii) Where a customer notifies the bank of his intention to change his Passcode, Access code arising from loss of memory of
same, or that it 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 Passcode, Accesscode PROVIDED That the bank shall not be responsible for any loss that
occurs between the period of such loss of memory of the Passcode, Access code or knowledge of a third party and the time the
report is lodged with the bank.
(viii) Once a customer’s Passcode/Accesscode is given, it shall be sufficient confirmation of the authenticity of the instruction
given.

ELECTRONIC BANKING AGREEMENT ZENITH BANK PLC

(x) 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 fraudulent, duplicate or erroneous instructions given by means of the customer’s Pass
code/Access code.

5. Customer’s responsibilities:
(i) The customer undertakes to be absolutely responsible for safeguarding his username, access code, passcode, PIN and
password, and under no circumstance shall the customer disclose any or all of these to any person.
(ii) The customer undertakes to ensure the secrecy of his accesscode, passcode, PIN and password by not reproducing same in
any manner whatsoever either in writing or otherwise capable of making it known to persons other than the customer.
(iii) 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 PIN Passcode/Accesscode and/or password and/or failure to log out of the system completely by allowing on screen display
of his account information.
(iv) 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 clauses 4(i) – (iii) above, and/or instances of breach of such duty by hackers
and other unauthorized access to the customer’s account via the service.
(v) The customer’s access code and password must be changed immediately it becomes known to anyone else and therefore the
customer is under a duty to notify the bank whenever his/her access code and/or password have become known to another
person.
(vi) Where a customer notifies the bank of his intention to change his access code and/or passcode arising from either his loss of
memory of same or that it has come to 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 passcode, access code and password. Provided that the bank shall not be responsible
for any loss(es) that occurs between the period of such memory of the access code passcode and/or password or knowledge of a
third party and the time the report is lodged with the bank.
(vii) the customers shall be responsible for any fraud, loss and/or liability to the bank or third party arising from usage of the
customer’s access code, passcode, PIN and/or password being used by a third party and other unauthorized access. Accordingly
the bank shall not be responsible for any fraud that arises from usage of the customer’s access code, passcode, PIN and/or
password.
6. Upon enrolling a customer for the service the customer may be charged the applicable monthly fee and/or usage fee whether
or not the customer makes use of the service during the period in question.
7. 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.
8. Copyright in the pages and in the screens displaying the pages, and in the information and material therein and agreement is
owned by the bank.
9. The bank shall not be responsible for any electronic virus or viruses that the customer may encounter in course of making use
of this service.
Rules of the Road:
10. 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
may for whatsoever reason vary these terms and conditions. For this reason, the customer undertakes to:
(i) Provide accurate information. Agree to provide true, accurate, current and complete information about yourself as requested
in our registration form and 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 to
assign or make any commercial use of the service.
(iv) Proprietary rights. The customer acknowledges and agrees that the bank own all rights to her 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 by the bank.
Disclaimer of Warranties
11. The customer expressly understands and agrees that use of the service is at his sole risk. The service is provided on an “as is”
and “as available” basis. The bank expressly disclaims all warranties of any kind, whether express or implied, including, but not
limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.
12. The bank makes no warranty that
(i) The service will meet customers 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 your expectations, and
(v) Any errors in the technology will be corrected.
13. Any material downloaded or otherwise obtained through the use of the service is done at customer’ own discretion and risk
and the bank 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 or through or from the service
will create any warranty not expressly stated in these terms.
Limitations of liability
14. Customer agree 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 loss of profits, goodwill, use or other intangible losses, even if we

ELECTRONIC BANKING AGREEMENT ZENITH BANK PLC

have been advised of the possibility of such damages, resulting from:
(i) The use or the inability to use the service
(ii) The cost of getting substitute goods and service resulting from any products, data, information or services purchased or
obtained or messages received or transactions entered into through or from the service;
(iii) Unauthorised access to or alteration of transmission of data;
(iv) Statements or conduct of anyone on the service; or
(v) Any other matter relating to the service.
15. Indemnification. Except when caused by the bank’s intentional misconduct or gross negligence, customer agree to protect
and fully compensate the bank and its affiliates and service providers 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, or infringement by any other user of customer’s account, of any intellectual property or other right of
anyone.
16. 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.
17. Others.
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 rights waived 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 may not assign it to anyone.
IV. All notice to the customer shall be in writing via the address the customer has provided to the bank, all notices 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 relationship 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 other provision remaining in full force and effect.
VII. The laws of the Federal Republic of Nigeria shall apply to this agreement

I/We agree that the above terms and conditions shall govern my/our banking relationship with the bank as far as
the service is concerned.

Please tick the one applicable to you.

Internet Banking  Automated Direct Payment System LC Advice Notification

Telephone banking YesMobile Banking AlertZ (Transaction Notification)

Online Bills Payment Prepaid Gift Card Corporate Internet Banking

Others (Please Specify) ____________________________

2025
Given under my/our hands/seal this ________________
18 day of _____________________200__
March

SIGNED BY ______________________ SIGNED BY ________________________

(The Customer) (For Zenith Bank)

For more enquiries email us: ebusiness@zenithbank.com or call us call us on 278CARD (2273)

Website: http://www.zenithbank.com

ELECTRONIC BANKING AGREEMENT ZENITH BANK PLC