1.1. "Gold & Silver" (henceforth called COMPETITION) is an App, Mobile Portal and SMS based spin the wheel interaction and Trivia Game. The COMPETITION takes place from June 1, 2017 at 00:00:00 Greenwich Mean Time (GMT) until May 31, 2018 23:59:59 GMT (COMPETITION PERIOD).

1.2. To become a PARTICIPANT in the COMPETITION client needs to recharge his mobile and answer to the following SMS incentive to send an SMS with the keyword SPIN to the shortcode 5040 for free. Any SMS other than HELP, POINTS, STOP/EXIT, WIN, CHANCE, INFO sent to shortcode 5040 (Specific keywords will be communicated) will be considered as the user's request to join the promo according to these Terms & Conditions.

1.2.1. The message sent after recharge will be received within 24 hours after the recharge was made

1.2.2. Recharge messages are only sent between 8am and 7pm (GMT).

1.3. PARTICIPANTS in the Free zone (Siver Wheel) are entreated to subscribe to Gold wheel to gain points in order to increase their chances of winning the monthly prizes at 0.50GHS/day (inclusive of all applicable taxes) by sending the advertised Keywords to Shortcode 5040. Customers can purchase 20 points (1GHS), 40 points (2GHS), 100 points (5GHS), 200 points (10GHS), 400 points (20GHS), 1000 points (50GHS) and/or 2000 points (100GHS) packs by one shot, in order to increase the number of points and their chances of winning a monthly prize.

1.4. App is compatible with smartphones using Android 4.1 and above and iOS 8.0 and above.

2.1. The COMPETITION is open to residents of Ghana that are prepaid subscribers of MTN, who are over 18 years old, excluding all employees, representatives and agents of the ORGANIZER, their respective parents and/or affiliated companies, Contest suppliers, and those with whom any of the foregoing are domiciled. The person that owns the SIM card or has express authorization from the SIM card's owner to use it is considered the PARTICIPANT, regardless of the actual user of the phone.

DISCLAIMER: MONTHLY PRIZES WILL BE AWARDED FROM JUNE 2017 ONWARD

3.1. The COMPETITION is comprised of monthly prizes, with each PRIZE PERIOD being independent of all others.

3.2. For each PRIZE PERIOD, the corresponding prizes will be awarded to the winners based on the following mechanism: SKILL: the 100 users with the most accumulated points on each prize period from all eligible entries will be declared the winners.

3.3. To be eligible to participate in any PRIZE PERIOD, the PARTICIPANT must have sent at least one PARTICIPATION SMS. To increase his points, the PARTICIPANT can subscribe to the VIP Club, receiving daily extra points for the prizes. The PARTICIPANT can also purchase points via one shot in order to compete for the prizes. Play for Free Zone: All users may enter the promotion for free, sending the keyword SPIN to 5040. These users are eligible to win a prize on the Silver Wheel. Premium Zone: PARTICIPANTS will also have the opportunity to spin the Gold Wheel in order to win higher incentive prizes. Subsribers will also accumulate more points to win the prizes. The Subscription will have a cost of 0.50GHS per day. Furthermore subscribing to VIP Club will give 10 points per day. Once the PARTICIPANT subscribes the Premium Zone and/or purchases points, he/she will be eligible to participate also in the Winner Selection.

3.4. For each PRIZE PERIOD, a specific number of prizes is available, as defined below:

- 1 Hyundai i10, attributed by skill to the user with the most points per month;

- 2 Trips Abroad, attributed by skill to the 2nd and 3rd user with the most points per month;

- 7 prizes of 2.000GHS in Mobile Money, attributed by skill to the 4th to 10th users with the most points per month;

- 10 prizes of 1.000GHS in Mobile Money, attributed by skill to the 11th to 20th users with the most points per month;

- 30 4G Smartphones, attributed by skill to the 21st to 50th users with the most points per month;

- 30 prizes of 200GHS in Mobile Money, attributed by skill to the 51st to 80th users with the most points per month;

- 20 prizes of 100GHS in Mobile Money, attributed by skill to the 81st to 100th users with the most points per month.

3.5. Prizes must be accepted as awarded, cannot be exchanged for other prizes and may not be transferred or exchanged. Prizes will be delivered within 180 days from the prize awarding date (every month), at a time and place that will be made known within 14 days from the end of the prize awarding date (every month).

3.6. Any expense not explicitly indicated as part of the prize, including but not limited to insurance, travel expenses, accommodation, license fees or taxes, are the responsibility of the winner.

3.7. Package for the trip abroad will comprise of Air-Ticket, accommodation, insurance, visa, pocket money. Any additional expenses including excess luggage will be borne by the winner.

3.8 Not withstanding clause 3.5 above, winners earmarked for trip abroad without requiste travelling documents can transfer their package to their loved ones with relevant travelling documents by furnishing MTN with their consent letters and photo ID cards/affidavits.

4.1. The first SMS sent to 5040 with specific keywords, subscribes the user to the PROMOTION and it is called the REGISTRATION SMS. In response to the REGISTRATION SMS the user will receive the following: A welcome message and 10 points per every succesful renewal.

4.2. Participants can purchase points via one shot actions, in order to increase their points for the next monthly prizes. The number of points and cost depends on the keyword sent by the participant:

- WIN20 to get 20 points for 1GHS;

- WIN40 to get 40 points for 2GHS;

- WIN100 to get 100 points for 5GHS;

- WIN200 to get 200 points for 10GHS;

- WIN400 to get 400 points for 20GHS;

- WIN1000 to get 1000 points for 50GHS;

- WIN2000 to get 2000 points for 100GHS.

4.3. At any time during the COMPETITION PERIOD, a PARTICIPANT may receive an INVITATION SMS to a special challenge that offers him bonus points.

5.1. All participations with the keywords SPIN, HELP, INFO, POINTS, EXIT from MTN subscribers to 5040 are FREE (and do not award points to users). Then, every PARTICIPATION SMS sent from an MTN subscriber to the shortcode 5040 is billed (the amount depends on the keyword sent).

5.2. The SUBSCRIPTION SMS to the premium leg successfully received from the shortcode 5040 is charged at 0.50GHS/day inclusive of all taxes.

5.3. In case a SUBSCRIBER does not have sufficient credit to receive the SUBSCRIPTION SMS on a specific day, NO extra points will be awarded. On successful daily charging at 0.50GHS/day in the premium leg, 10 points will be awarded.

5.4. PREMIUM SUBSCRIBERS can terminate their participation, by sending “STOP”, free of charge, to 5040.

5.5. PARTICIPANTS can get more information about the promotion by sending "INFO" to the competition's shortcode 5040.

5.6. PARTICIPANTS can get to know their points "POINTS" to the competition's shortcode 5040.

5.7. By subscribing to the campaign, PARTICIPANTS agree to receive all campaign communications.

6.1. After the end of a PRIZE PERIOD, winners will be selected (as specified in section 3).

6.2. Winners will be selected from all prize categories on monthly basis. Each month will reward a total of 100 winners

6.3. Every winner will be contacted by the ORGANIZER on the mobile phone number he has used to participate in the COMPETITION. The ORGANIZER will attempt to contact the winner at least 3 times a day over a period of 1 week, between the hours of 9am and 6pm. If the winner cannot be contacted during this period, he is disqualified and forfeits the prize and the ORGANIZER will attempt to contact the next runner up.

6.4. The winner is required to provide proof of eligibility and sign a prize acceptance form (as requested by the ORGANIZER) before prizes can be collected. If the winner fails to provide sufficient proof within that period, he or she is disqualified and forfeits the prize and the next runner-up is contacted.

6.5. If the winner has any outstanding debts towards the ORGANIZER, these need to be settled within 3 days from being contacted by the ORGANIZER. If outstanding debts are not settled within that period, the winner forfeits the prize (applicable only when PM subs are included).

6.6. If a winner fails to redeem his/her prize within 2 weeks from the date of contact, the next in order of ranking will be selected to claim the prize.

6.7. If the winner and all runner-ups forfeit the prize, the prize is deemed unclaimed and remains at the disposal of the ORGANIZER.

6.8. By accepting a prize, a winner consents to the use of his first name, initial of last name, city of residence, photograph and likeness in any promotional material produced by the ORGANIZER. Such use does not entitle the winner to any further compensation.

6.9. Each PARTICIPANT (physical person or MSISDN) is entitled to receive only one prize per prize category (defined in 3.4).

6.10. If one or more of the winners isn’t able to receive his prize, the next users will move up on the prize awarding table (ex: if the user who wins the first prize isn’t eligible to win, the second user takes his place – provided he’s eligible -, the third user moves to second place, and so on until the one-hundreth user). In order to deliver all prizes, runner ups will be selected once its determined the number needed to award all the prizes

6.11. All cash rewards will be paid via MTN Mobile Money

6.12. All customers who earn cash rewards without Mobile Money accounts will be given two weeks moratorium to register MTN Mobile Money. Such customers automatically forfeit their prizes if they fail to register for MTN Mobile Money after the expiration of the the two weeks moratorium. At the discretion of MTN, this moratorium may however be extended for customers with genuine reasons. This will be handeled on case by case basis.

6.13. In case of tie in points during the monthly winner ranking/selection process, priority will be given to customers with longer tenure.

6.14. In case there is is tie in tenure, previous thre months ARPU will be used to select a winner

6.15. Winners will be notified only by MTN authorised personnel and via the number 0244 300 000

7.1. PARTICIPANTS are not allowed to use machines that send automatically SMS messages or automate/facilitate the answer process or any other alternative of sending SMS messages, other than the mobile phone (this prohibits the use of any GSM modems attached to a computer or mobile phones attached to a computer). The ORGANIZER has the right to disqualify any PARTICIPANT under the suspicion of breaking this obligation.

8.1. ORGANIZER's responsibility is strictly limited in giving the Prizes. The ORGANIZER cannot be held responsible for any delay or impossibility of sending or receiving SMS messages because of a technical problem. All the SMS messages will be considered received by the ORGANIZER when they are registered in the COMPETITION's IT system and not when they are sent by the PARTICIPANT. All the SMS messages will be considered received by the PARTICIPANT at the moment they were sent from the COMPETITION's IT system. PARTICIPANTS recognize and accept that the journal of the informatics system of the COMPETITION's IT System is the proof of the date, hour, minute and second of their receiving/ sending each SMS message.

9.1. By participating in the Competition, the Participants expressly agree that personal data which they supply shall be processed by the Organizer for the purposes of executing the Competition and also for the purpose of publicizing the Competition and the Organizer. It is hereby specified that the Organizer guarantees that publicity, entailing the sharing with third parties of personal data supplied as a result of participation in the Competition, (including through television, the press, leaflets and other means and formats of communication) shall be made only with respect to the winners of the Prizes and will only indicate the given names and surnames of the winners, the location of their place of residence, their images and voices (contained in photographic records, audio, video and other types of records, made with the purposes of publicity connected to the Competition). The winning Participants give, through their participation in the Competition, express consent for the use of this data in formats herein defined. Following the termination of the Competition, the personal data will be destroyed.

9.2. In accordance with local laws and regulations, the Organizer respects the privacy of Participants of this Competition, by which it is committed to the use of technology in a transparent form and in strict observance of the rights, freedom and guarantees of the citizens and by the reservation of the intimacy of their private and family life. The personal data collected within the scope of this Competition will be treated as private and confidential. It shall not be disclosed to other individuals or organizations, except in the event of legislation to the contrary or where the Participants themselves authorize such. The data will be stored on servers with access controlled on a need-to-know basis and limited by passwords.

10.1. This COMPETITION is organized under and governed by the laws and statutes of Ghana.

10.2. These Terms & Conditions are valid during the COMPETITION PERIOD until amended or suspended by the ORGANIZER.

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