Competition Terms and Conditions

ExpressCredit May Refer & Earn Campaign

1.Eligibility

This campaign is open to existing ExpressCredit clients with an active account.

2.Campaign Period

The referral campaign is valid for a limited period during 1st – 30th May.

ExpressCredit reserves the right to amend or end the campaign at any time.

3.How It Works

Each eligible client has a unique customer code.

This code can be obtained by:

a) Logging into your online client profile,

b) Contacting the call centre, or

c) Visiting any ExpressCredit branch.

The client must share their unique code with the person they are referring.

4.Referral Qualification

A referral is considered successful only when:

a) The referred individual applies using the correct customer code, and

b) The loan application is approved and a loan is issued.

5.Qualifying Product

The referral reward applies only to approved instalment product (5-month term).

Other loan products do not qualify for this campaign.

6.Referral Reward

The referrer will receive N$200 for each successful referral.

There is no limit to the number of referrals; however, all referrals are subject to approval

criteria.

7.Payment of Rewards

All qualifying referral rewards will be paid in the first week of June 2026.

Payments will be made directly into the referrer’s ExpressCredit account.

8.General Conditions

The referred customer must be a new loan applicant or a qualifying customer as determined

by ExpressCredit.

ExpressCredit reserves the right to verify all referrals and decline rewards where fraud,

abuse, or non-compliance is suspected.

This campaign cannot be combined with other promotional offers unless stated otherwise.

By participating, clients agree to these Terms & Conditions.

Issued by: ExpressCredit Marketing Department