1. Introduction

The MoMo Hour Campaign (“Campaign”) is organized by MobileMoney Fintech LTD (“MMFL”) to encourage the adoption and use of the MoMo App by rewarding customers who transact during designated reward windows.

During each designated one-hour reward window (“Live Hour”), customers who complete a Qualifying Transaction on the MoMo App receive an Instant Reward and may additionally compete for monthly cash prizes on the Top-5 Leaderboard.

Participation in the Campaign constitutes acceptance of these Terms and Conditions.

2. Definitions

In these Terms and Conditions:

• Live Hour means a designated 60-minute reward window during the Campaign period.
• Bouquet means the group of MoMo products live for rewards during a particular Live Hour.
• Qualifying Transaction means a transaction that is on the live Bouquet, is initiated and successfully completed within the Live Hour, meets or exceeds the published minimum transaction value, is completed on the MoMo App, and is cleared by fraud screening.
• Instant Reward means the reward awarded on a Qualifying Transaction, which may take the form of data, airtime or cash credited to the MoMo wallet.
• Leaderboard means the Monthly Top-5 cash leaderboard described in Section 8.
• Mega Hour means the three fee-waiver windows on Friday 18 December 2026 described in Section 10.

3. Campaign Period

The Campaign shall run from 10 August 2026 to 18 December 2026 (the “Campaign Period”).

The Campaign comprises 46 standard Live Hours, a Monthly Top-5 Leaderboard, and one Mega Hour on Friday 18 December 2026.

MobileMoney Fintech LTD reserves the right to extend, shorten, suspend or terminate the Campaign at its sole discretion.

4. Eligibility

The Campaign is open to MoMo customers who:

• Are at least 18 years old;
• Hold a registered MoMo wallet in Ghana at KYC Tier 2 or Tier 3;
• Have held an active wallet for at least 30 days before the relevant Live Hour; and
• Transact through the MoMo App.

The following exclusions apply:

• Employees of MobileMoney Fintech LTD, SCANCOM PLC and Bayobab may participate in Live Hours and receive Instant Rewards, but are not eligible for cash prizes under the Monthly Top-5 Leaderboard;
• Wallets that are suspended, restricted, dormant or under investigation at the time of a Live Hour, prize determination or payout are not eligible.

5. How the Campaign Works

The Campaign operates through Live Hours, during which a selected Bouquet of MoMo products is active for rewards.

Cadence and windows:

• Live Hours run three times per week from August to October 2026, reducing to once per week in November and December 2026;
• Windows rotate across 8:00 AM, 12:00 NOON and 6:00 PM. Days and windows vary week to week.

Bouquet rotation across the Campaign Period is as follows:

Bouquet 1	Bouquet 2	Bouquet 3	Bouquet 4	Bouquet 5
Protection	Future Planning	Payments	Be a PRO	Loan repayments
Insurance · Pensions · Data / Airtime bundles	Savings · Investments	MoMoPay · Merchant Pay · Bill payment (TV, school fees, utilities, DSTV)	Advanced services – ALL transactions: InsuranceSavingsPensionsInvestments	Loan repaymensts

Each Live Hour, its Bouquet, its Instant Reward and its minimum transaction value are announced in advance through the MoMo App, SMS and MMFL’s official social and digital channels.

The Campaign is exclusive to the MoMo App. Transactions completed on USSD (*170#), agent-assisted channels or any other channel do not qualify, even if completed during a Live Hour.

The published activation calendar is indicative. MobileMoney Fintech LTD may adjust dates, windows, Bouquets or rewards for operational, technical, regulatory or commercial reasons. Material changes will be communicated through official channels.

6. Qualifying Transactions

Only Qualifying Transactions earn an Instant Reward or count towards the Leaderboard.

Transactions must:

• Be on the live Bouquet for that Live Hour;
• Be initiated and successfully completed within the Live Hour;
• Meet or exceed the published minimum transaction value for that Bouquet;
• Be completed on the MoMo App; and
• Meet all system validation and fraud screening requirements.

The following do not qualify:

• Transactions initiated within a Live Hour but completed after it closes;
• Wallet-to-own-wallet transfers and transfers between linked accounts;
• Transaction reversals, adjustments and refunds;
• Reversed, cancelled, failed or subsequently charged-back transactions;
• Any transaction flagged by fraud screening.

MobileMoney Fintech LTD reserves the right to determine whether any transaction qualifies.

7. Instant Hour Rewards

One Instant Reward is credited per customer per Live Hour, on the first Qualifying Transaction, regardless of how many further qualifying transactions are completed in that window.

Instant Rewards may take the form of data bundles, voice bundles or cash credited to the MoMo wallet, depending on the live Bouquet. For Be a PRO transactions, the cash reward is tiered to the value of the qualifying transaction as published.

Reward caps apply as follows:

• Up to three Instant Rewards per customer per week from August to October 2026;
• One Instant Reward per customer per week in November and December 2026.

Instant Rewards are credited to the participating wallet or MSISDN within [24–48 hours] of the close of the Live Hour.

Data and airtime rewards are subject to the standard validity terms communicated at the point of award, and are non-transferable and non-redeemable for cash.

Where a reward has already been credited against a transaction that is later reversed, cancelled or charged back, MobileMoney Fintech LTD may reverse the reward.

8. Monthly Top-5 Cash Leaderboard

In each calendar month from August to December 2026, the five customers with the highest number of Qualifying Transactions across that month’s Live Hours shall win cash prizes as follows:

• 1st place: GHS 5,000
• 2nd place: GHS 3,000
• 3rd place: GHS 2,000
• 4th place: GHS 500
• 5th place: GHS 500

Ranking metric. Customers are ranked by the number of distinct Qualifying Transactions completed during Live Hours within the calendar month. Only fraud-cleared, on-Bouquet, in-window transactions at or above the minimum value shall count.

Tie-breakers shall be applied in the following order:

• Higher total value (GHS) of Qualifying Transactions in the month;
• The earlier timestamp at which the customer reached their final qualifying-transaction count;
• If still tied, joint adjudication by MobileMoney Fintech LTD Risk and Finance, whose decision shall be final.

A customer may win only one cash prize per month, but may win in more than one month of the Campaign Period.

9. December Mega Hour

On Friday 18 December 2026, three Mega Hour windows shall run on the MoMo App only

During the Mega Hour window, MobileMoney Fintech LTD waives its own transaction fees on eligible MoMo App transactions. The waiver applies solely to fees charged by MobileMoney Fintech LTD. Any third-party charges (including receiving-bank or partner fees) and any applicable statutory charges remain payable.

For clarity, Ghana’s Electronic Transfer Levy (E-Levy) was repealed with effect from 2 April 2025 and does not apply.

MobileMoney Fintech LTD may cap the total value of fees waived per customer or in aggregate, and may apply transaction limits during Mega Hour windows to protect service stability. Any such caps shall be communicated through official channels.

10. Fraud Prevention

MobileMoney Fintech LTD applies automated and manual fraud screening throughout the Campaign.

Participants must not:

• Split transactions, or make circular or self-dealing transfers designed to inflate transaction counts;
• Use multiple wallets, SIM boxing or identity manipulation;
• Collude between wallets, or between customers and agents or merchants;
• Use automated or fraudulent methods to qualify for rewards;
• Breach the MoMo wallet terms of service or any applicable law;
• Engage in any conduct considered abusive or contrary to the spirit of the Campaign.

Any participant suspected of fraud or abuse may be:

• Disqualified immediately;
• Required to forfeit rewards, or have rewards withheld or reversed;
• Removed from the Leaderboard;
• Reported to the appropriate authorities where necessary.

Decisions on disqualification are made jointly by MobileMoney Fintech LTD Risk and Finance and shall be final. Disqualified transactions are removed from Leaderboard counts even where an Instant Reward was initially credited.

11. Reward Verification

All rewards and prizes shall be subject to:

• System validation;
• Transaction verification;
• Fraud screening;
• KYC, AML/CFT and blacklist checks;
• Compliance checks.

Provisional Leaderboard winners are subject to a pre-payout audit by MobileMoney Fintech LTD Risk and Finance, including fraud screening, KYC verification and staff-exclusion checks. If a provisional winner fails verification, the next ranked eligible customer shall be promoted.

Rewards shall only be paid after successful verification.

12. Reward Payment

Instant Rewards shall be credited to the participant’s registered MoMo wallet or MSISDN within [24–48 hours] of the close of the Live Hour.

Confirmed Leaderboard cash prizes shall be paid into the winner’s registered MoMo wallet within [10 business days] of month-end.

MobileMoney Fintech LTD shall not be responsible for payment delays resulting from:

• Incorrect account details;
• Suspended or inactive wallets;
• Regulatory restrictions;
• Technical failures beyond its reasonable control.

13. Taxes

Cash prizes may be subject to withholding tax on winnings under Ghanaian tax law. Where required, MobileMoney Fintech LTD shall deduct applicable tax at source before payout and remit it to the Ghana Revenue Authority. Amounts communicated as prize values are gross unless stated otherwise.

Participants shall otherwise be solely responsible for any taxes, statutory deductions or obligations arising from rewards received.

14. Data Privacy

By participating in the Campaign, participants consent to MobileMoney Fintech LTD collecting, processing and using their information for:

• Campaign administration;
• Reward verification and prize fulfilment;
• Fraud prevention and performance monitoring;
• Customer support;
• Regulatory compliance;
• Marketing communications, where permitted by law.

Participant information shall be handled in accordance with the Data Protection Act, 2012 (Act 843) and MobileMoney Fintech LTD’s privacy policy.

15. Right to Modify

MobileMoney Fintech LTD reserves the right to:

• Amend these Terms and Conditions;
• Modify reward structures and prize values;
• Adjust qualification criteria and minimum transaction values;
• Adjust the activation calendar, including Live Hour dates, windows and Bouquets;
• Suspend or terminate the Campaign in whole or in part at any time where reasonably necessary for regulatory, security, fraud-prevention, technical or commercial reasons.

Any amendments shall become effective upon publication through official MobileMoney communication channels. Rewards already properly earned before a change takes effect shall be honoured.

16. Limitation of Liability

To the maximum extent permitted by law, MobileMoney Fintech LTD shall not be liable for:

• Network failures or downtime;
• Device, connectivity or app store availability failures;
• Delayed or failed transactions caused by third parties;
• Technical interruptions;
• Force majeure events;
• Participant errors;
• Losses arising from fraudulent activity committed by participants.

Nothing in these Terms and Conditions excludes liability that cannot be excluded under Ghanaian law.

17. Disqualification

MobileMoney Fintech LTD reserves the right to disqualify any participant who:

• Breaches these Terms and Conditions;
• Provides false or misleading information;
• Attempts to manipulate Campaign results;
• Engages in conduct that may damage the integrity or reputation of the Campaign.

18. Dispute Resolution

Any dispute arising under the Campaign shall first be referred to MobileMoney Fintech LTD for review, through customer care via [customer care line / in-App support].

MobileMoney Fintech LTD’s complaint-handling and dispute-resolution procedures shall apply.

The decision of MobileMoney Fintech LTD regarding participant eligibility, transaction qualification and reward allocation shall be final.

19. Governing Law

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the Republic of Ghana.

This Campaign is conducted under promotional permit no. [insert] issued by the Gaming Commission of Ghana

If any provision of these Terms and Conditions is found to be invalid, the remaining provisions shall continue in full force and effect.

20. Acceptance

Participation in the MoMo Hour Campaign constitutes full acceptance of these Terms and Conditions.