IMPORTANT: PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE REGISTERING FOR OR USING THE MOBILE MONEY SERVICE AS THEY FORM A LEGALLY BINDING AGREEMENT BETWEEN YOU AND MOBILE MONEY GUYANA INC.

These Terms and Conditions, including any policies or schedules referenced to herein (together the “Agreement”), is a legal agreement between you and Mobile Money Guyana, Inc. (“MMG”) for the provision and use of the Mobile Money Services. By subscribing and participating in, or by continuing to use the Mobile Money Services, you are deemed to have made an affirmative statement of your unconditional acceptance of the terms and conditions of this Agreement. If you do not agree to be bound by this Agreement, do not proceed to register for or continue to use thee Mobile Money Services.

MMG provides mobile money transfer and payment services whereby customers such as you may use their mobile device to, among other things, make deposits, transfer funds, make payments for products and services, and withdraw cash at participating agents and merchants using their Mobile Money account (the “Mobile Money Services”). Additional information regarding the use andfunctions of the Mobile Money Services may be found at www.mmg.co.gy.

1.2. Mobile Money Services are available to all Guyana Telephone & Telegraph (“GT&T”) mobile customers upon completion of the MMG registration form and acceptance of the terms and conditions of use of the services. You may visit a Mobile Money agent to register an Account. MMG may in its absolute discretion restrict, refuse to register or revoke the registration of any person.

1.3. MMG may impose limits on the amount of funds transferable per transaction or within specified time periods and the total amount that may be held in your account, as well as create other restrictions or requirements regarding the use of, and eligibility to use, the Mobile Money Services.

1.4. In order to provide the Mobile Money Services, MMG, the Mobile Money agents, merchants and service providers will collect and use information about you, including your personal information. By using the Mobile Money Services you acknowledge and agree that MMG and the Mobile Money agents, merchants and service providers may share and use your personally identifiable information between and among MMG, the Mobile Money agents, merchants and service providers, including GT&T. Moreover, you acknowledge and agree that MMG shall have the right to monitor your account usage and may disclose personal information to law enforcement or investigative agencies, or competent governmental or regulatory agencies, to the extent required by law or regulation, to assist in the prevention, detection or prosecution of criminal activities (e.g.money laundering).

STARTING AND MAINTAINING A MOBILE MONEY ACCOUNT

In order to open a Mobile Money account, you must:

(i) be eighteen (18) years or older with full legal capacity to enter into binding legal contracts;

(ii) have an active GTT mobile service or Digicel Smart Phone (application only available via Mobile APP for Digicel users)

(iii) provide all of the required documentation, including but not limited to your passport or National ID Card (which will be copied) and proof of address, and

(iv) accept the terms and conditions which is available via Mobile Money website and ALL GTT offices and Mobile Money Agent outlets.

MMG reserves the right to reject any application if any of the account opening requirements are not complied with or if you fail to provide us with satisfactory proof of identification and address.