1. Program Overview

The Apollo Campus Champion Program is a student-focused initiative of Bank of Abyssinia designed to increase awareness, adoption, and active use of the Apollo digital banking platform within university communities across Ethiopia.

The Program enables eligible students to participate as Apollo Campus Champions and promote Apollo among their peers and social networks through referrals and other approved activities.

The objective of the Program is to engage students at an early stage, establish awareness and familiarity with Apollo, encourage digital financial-service adoption, and build long-term relationships between students and Bank of Abyssinia.

By registering for or participating in the Program, a participant confirms that they have read, understood, and agreed to these Terms & Conditions and any additional rules or requirements communicated by Bank of Abyssinia.

2. Eligibility

The Apollo Campus Champion Program is exclusively for eligible students enrolled in a recognized higher educational institution in Ethiopia.

An applicant must meet the eligibility requirements established by Bank of Abyssinia at the time of registration and throughout participation in the Program. At a minimum, an applicant must possess and provide:

• A valid Student ID or other acceptable evidence of current student status; and
• A valid National ID or other identification document accepted by Bank of Abyssinia.

The Bank may require additional documents, information, or verification at any stage of registration or participation. All documents and information submitted by an applicant or Champion must be accurate, valid, complete, and authentic.

Submission of the required documents does not automatically guarantee acceptance into the Program. Participation remains subject to verification and approval by Bank of Abyssinia.

Bank of Abyssinia reserves the right to reject an application, suspend participation, or remove a Champion where the applicant or participant does not satisfy the applicable eligibility, documentation, verification, or other Program requirements.

3. Registration and Apollo Account

Eligible students must complete the registration process specified by Bank of Abyssinia to participate as Campus Champions.

A Champion may also be required to have an active Apollo account in order to participate and receive applicable incentives.

Where an Apollo account is required, the Champion is responsible for ensuring that the account is registered using accurate and valid information and remains in good standing.

Apollo Campus Champion Program Value Propositions

1. Incentive (100 Birr per Referred User)

Requirement: Refer an individual who successfully opens an Apollo account using the champion's Referral ID and completes one or more payment transactions (e.g., airtime top-ups, Merchant QR payments, or bill payments) with a combined minimum value of 100 Birr throughout the campaign period from August 15 to June 30.

Offer: A 100 Birr cash incentive is credited directly to the champion's Apollo account for each qualified referral.

2. Digital Certificate

Requirement: Open at least 100 active Apollo accounts, with each account completing one or more payment transactions with a combined minimum value of 100 Birr throughout the campaign period from August 15 to June 30.

Offer: Receive an official Apollo Campus Champion digital certificate awarded by Bank of Abyssinia.

3. Free Virtual Card

Requirement: Open at least 10 active Apollo accounts, with each account completing more than 10 qualifying payment transactions, combined minimum value of 100 Birr throughout the campaign period from August 15 to June 30.

Offer: Receive a free Apollo International Virtual Card; Bank of Abyssinia fully covers both the $5.00 USD issuance fee and the $0.25 USD one-time maintenance fee.

4. FCY Allocation

Requirement: Open at least 10 active Apollo accounts, with each referred account completing one or more payment transactions (e.g., airtime top-ups, Merchant QR payments, or bill payments) with a combined minimum value of 100 Birr, throughout the campaign period from August 15 to June 30.

Offer: Eligible champions can convert their own local currency into foreign currency for approved educational pursuits — up to $1,000 USD for online classes, professional certifications, and short courses.

5. Job Opportunity

Offer: Top 5 high performing champions will be eligible to be hired for relevant job openings in business and IT-related fields at the Bank of Abyssinia, subject to meeting the prequalification criteria.

6. Magazine Sponsorship (Up to 100,000 Birr)

Requirement: Achieve a target of 1,000 active Apollo campus champion per campus throughout the campaign period from August 15 to June 30, each opening an Apollo account and completing a minimum of 10 qualifying payment transactions.

Offer: The top 5 winning campuses each receive up to 100,000 Birr toward graduation magazine costs, coordinated with the graduation committee and printing company, subject to an official university support letter verified by the bank and a dedicated section in the magazine highlighting Apollo's key features and value propositions.

7. Department Trip Sponsorship (Up to 100,000 Birr)

Requirement: Student champions within a department must collectively onboard at least 1,000 active Apollo accounts through their combined referrals throughout the campaign period from August 15 to June 30, each account completing a minimum of 10 qualifying payment transactions.

Offer: The top 5 winning departments each receive a fully sponsored educational or celebratory department trip worth up to 100,000 Birr from Bank of Abyssinia.

4. Performance Verification

All referrals, accounts, transactions, performance results, rankings, achievements, and incentive qualifications are subject to verification by Bank of Abyssinia.

The Bank may use its internal systems, Apollo records, referral records, transaction records, account information, submitted documents, and other relevant information to determine eligibility and qualification.

Where there is a discrepancy between information provided by a participant and the Bank's official verified records, the Bank's records shall prevail, subject to applicable law.

The Bank may delay the payment or provision of an incentive while verification is being conducted.

5. Prohibited Activities

Champions must conduct themselves honestly and responsibly and must not engage in fraudulent, deceptive, abusive, misleading, unauthorized, or otherwise prohibited activities. Prohibited activities include, but are not limited to:

• Creating or facilitating fraudulent or fictitious accounts;
• Using another person's identity or credentials;
• Providing false, inaccurate, or misleading information;
• Manipulating transactions or referrals to obtain incentives;
• Conducting transactions solely for the purpose of improperly meeting Program targets;
• Misrepresenting Apollo, Bank of Abyssinia, or the Campus Champion Program;
• Making unauthorized promises or representations on behalf of the Bank;
• Misusing customer or prospective customer information;
• Sharing confidential customer information without authorization;
• Attempting to circumvent Program requirements; and
• Engaging in any activity that violates applicable laws, regulations, Bank policies, or Apollo terms.

Bank of Abyssinia may disqualify a participant and cancel, withhold, or recover any incentive obtained through fraudulent, invalid, or prohibited activity, subject to applicable law.

6. Customer Information and Privacy

Champions must respect the privacy and confidentiality of individuals they refer to Apollo.

Champions must not collect, store, disclose, sell, share, or otherwise misuse personal, financial, identification, or account information belonging to prospective or existing customers except where expressly authorized by Bank of Abyssinia and permitted by applicable law.

Champions must follow any privacy, data-protection, customer-handling, and information-security instructions communicated by the Bank.

7. Amendment of Program Requirements

Bank of Abyssinia reserves the right, at any time and subject to applicable law and regulatory requirements, to amend, modify, revise, replace, suspend, or withdraw any requirement, term, condition, structure, procedure, benefit, incentive, or other aspect of the Apollo Campus Champion Program. This right includes the ability to change, among other things:

• Eligibility requirements;
• Required documents;
• Registration procedures;
• Referral requirements;
• Minimum transaction values;
• Number or type of qualifying transactions;
• Performance targets;
• Qualification thresholds;
• Incentive amounts;
• Incentive types;
• Number and type of rewards;
• Reward values;
• Ranking and selection criteria;
• Number of winners;
• Campaign dates and duration;
• Champion responsibilities;
• Account requirements;
• Verification procedures;
• Conditions attached to individual incentives; and
• Any other Program requirement or condition.

Participants acknowledge that the requirements and incentives communicated at the beginning of the campaign are not necessarily fixed for the entire campaign period and may be amended by Bank of Abyssinia at any time.

Where the Bank changes any Program requirement, the revised requirement may be communicated through official Bank of Abyssinia or Apollo communication channels or through other appropriate means determined by the Bank.

Participants are responsible for complying with the latest officially communicated Program requirements applicable to their participation.

Continued participation in the Program after an amendment has been communicated or published shall constitute acceptance of the amended requirements, subject to applicable law.

8. Suspension, Disqualification, or Termination

Bank of Abyssinia may suspend or terminate a Champion's participation in the Program where the Champion:

• Violates these Terms & Conditions;
• Fails to satisfy applicable eligibility requirements;
• Provides false or misleading information;
• Submits invalid or fraudulent documents;
• Engages in fraudulent or abusive conduct;
• Misuses the Apollo platform or referral system;
• Violates applicable laws or regulations;
• Violates Bank of Abyssinia policies or instructions; or
• Engages in conduct that may negatively affect the Bank, Apollo, its customers, or the integrity of the Program.

The Bank may also suspend, modify, discontinue, or terminate the Program or any individual incentive at any time, subject to applicable law and regulatory requirements.

9. No Guarantee of Rewards or Benefits

Participation in the Program does not create an unconditional entitlement to any particular reward, incentive, employment opportunity, foreign-currency allocation, sponsorship, certificate, virtual card, or other benefit.

All rewards and benefits are subject to the requirements applicable at the time of qualification, verification by Bank of Abyssinia, applicable laws and regulations, availability where applicable, and any additional approval or documentation requirements.

A promotional description of an incentive should not be interpreted as a guarantee that every participant will receive that incentive.

10. Applicable Laws and Other Terms

Participation in the Apollo Campus Champion Program is subject to the applicable laws and regulations of Ethiopia, Bank of Abyssinia policies, applicable Apollo terms and conditions, and the terms governing individual Apollo products and services.

Where a particular incentive or benefit is subject to additional product, foreign-exchange, regulatory, or legal requirements, those requirements shall also apply.

Where there is a conflict between these Terms & Conditions and a mandatory legal or regulatory requirement, the applicable law or regulatory requirement shall prevail.

11. Acceptance of Terms

By submitting the Apollo Campus Champion registration form, checking the applicable acceptance box, or participating in the Program, the applicant or Champion confirms that they:

• Have read and understood these Terms & Conditions;
• Agree to comply with the Program requirements;
• Confirm that the information and documents provided are accurate and authentic;
• Understand that participation is subject to verification;
• Understand that Program requirements and incentives may be amended by Bank of Abyssinia at any time; and
• Agree to comply with the latest officially communicated requirements of the Program.

Bank of Abyssinia reserves the right to interpret, administer, amend, enforce, suspend, or terminate the Apollo Campus Champion Program in accordance with applicable law and regulatory requirements.

12. Important Notice

The Apollo Campus Champion Program is exclusively for students. Program requirements, eligibility criteria, required documents, performance targets, incentives, rewards, campaign dates, and other terms may be amended by Bank of Abyssinia at any time. Participants should refer to official Bank of Abyssinia or Apollo communications for the latest applicable requirements.