EXPRESSCREDIT BOTSWANA TLATSA SKGWAMA PROMO CAMPAIGN

TERMS & CONDITIONS

1. The campaign is open to ExpressCredit Botswana new and returning customers

2. This campaign applies to General Government loans, Council, Headman of Arbitration, Pensioners, Open Market Loans, MOUs and Government Special Term loans products only.

3. Participants who are Director(s), members, partners, employees and or their direct families,

agents or consultants of ExpressCredit Botswana, its subsidiaries, holding companies, divisions and/or associated companies or promotion agencies or any other person who directly or indirectly controls or is controlled by ExpressCredit Botswana, will not qualify to participate in the campaign and will also not be eligible for any prizes.

4. By participating in the campaign, all participants agree to be bound by the terms and conditions of the campaign, and ExpressCredit Botswana’s decision regarding any issue with the campaign will be final and binding and no correspondence will be entered into.

5. ExpressCredit Botswana does not accept any responsibility for any application that is not delivered, received, or is delayed or damaged due to technical reasons, including telecommunication failure on the part of the participant’s service provider, or otherwise.

6. Who is an Express Credit customer and description;

6.1 Returning customers - customers who have at least 1 repaid loan with ExpressCredit Botswana and applying for another one.

6.2 New Customers – customers who have 1st issued loan with ExpressCredit Botswana.

7. Who Qualifies for the Promotional Competition

All New and Existing customers with approved loans disbursed of any amount during the competition period qualify to enter for the promotional competition

Publicity and  Data Privacy

8. By entering the campaign, a participant acknowledges that personal information about him/her

will be shared with ExpressCredit Botswana and their agents to the extent necessary to conduct

the campaign.

9. The prize winner must accept that his/her name and/or likeness may be announced in

ExpressCredit Botswana’s media publications or on the Internet for publicity or advertising. All

publicity and other materials will be the sole property of ExpressCredit Botswana purposes

without additional compensation, and in accordance with the Botswana Data Protection Act.

Promotional Competition drawing Method and Period

10. The promotional competition will be drawn using a random picking application which will have a pool of all loans for the month as per the URL: https://commentpicker.com/random-name-picker.php. Where all loans will dumbed into the application and it will be random pick the

winner.

11. The competition draw will be done on the following conditions and dates

a. Loan application and approved period runs from 1st July – 30th September 2025, both dates inclusive

b. c. The draw will be conducted on the 5th working day of next month

The winner will be notified through a registered mobile phone call by the official

ExpressCredit Botswana representative

d. Prize(s) will be paid into a registered bank account provided by client to

ExpressCredit Botswana

e. Drawing Dates:

1st Draw - Date: 7th August 2025, Time: 10:00hrs, Place: ExpressCredit Head office

2nd Draw - Date: 5th September 2025, Time:10:00hrs, Place: ExpressCredit Head Office

3rd Draw - Date: 8th October 2025, Time:10:00hrs, Place: ExpressCredit Head Office

Final Draw - Date: 30th October 2025, Time:10:00hrs, Place: ExpressCredit Head Office

11. The prices consist of the following;

a) Monthly prize – P7,500.00 per month

b) Grand Prize – P15,000.00 at the end of 3 months

12. All participants and winners indemnify the Promoter, its authorized agents, and associated

partners against any claims arising from their own negligent or unlawful acts

13. Statutes of the Republic of Botswana shall govern this competition campaign terms and

conditions and the courts of Republic of Botswana shall have exclusive jurisdiction.

Tax Implications

14. We strongly recommend that You obtain independent professional advice regarding any tax implications arising from the receipt, transfer or spend of any prizes and/or awards obtained in respect of this campaign. You are fully responsible for any tax implications arising from or associated with any receipt, transfer or spend of any prize/s, awards and Cash rewards due to You participating in this campaign.

15. You agree that You will not hold ExpressCredit Botswana, its Shareholders, Directors, Employees, Agents and/or Affiliates liable and hereby fully indemnify ExpressCredit Botswana, and hold the Company completely harmless, against all damages, claims and fines made against You or the Company, including all legal costs on an attorney-and-own client scale, to the extent to which such damages, claims and fines arise out of or are connected to any taxation relating to Your receipt, transfer or spend of any prize/s and/or awards or the charges in respect thereof.

16. Exclusion

All clients with outstanding repayment and/or arrears do not qualify for the campaign

Please contact us on the below details for more information related to the competition:

• Call: +267 316 5512

• WhatsApp: 77693360

• Email: [email protected]

• Visit: www.expresscredit.co.bw

• Branches: Visit any of our 16 branches nationwide

ExpressCredit: Money When You Need It