Dear Esteemed Investor:

Fidelity Bank Plc is offering up to 75 billion Series 1 Bond (the “Offer”) under its 100 billion Bond Issuance Programme.

Fidelity Bank Plc is a top Tier-II Bank contributing to the economic and social development of our Country having carved a niche in financing the all-important small and medium scale enterprises (SMEs) and select Corporate Banking Businesses with the attendant positive impact on entrepreneurship and employment growth in Nigeria amongst others. Fidelity Bank has a digital-led retail strategy that provides its customers with several e-channel service options and a virtual assistant currently ranked the Best in the KPMG 2020 Digital Channels Assessment.

Fidelity Bank has a strong corporate governance structure and a solid and stable executive management team with robust history of superior financial performance and returns. Fidelity Bank is one of the only 6 Nigerian Banks and the only Tier-II Bank that conduct interim audit and its currently rated “A” with stable outlook by Agusto & Co.

For more information on the Offer, please refer to the summary terms indicated below and download the Offer Documents below.