With MoFlex, MoMo users can now access microloans tailored to their unique needs. This innovative
service offers customers the freedom to choose repayment periods that suit their financial
situations. MoFlex users can request loans ranging from Rwf 1,000 t o more than Rwf 1, 000,000,
with transparent and competitive interest rates from 7% to 14%, tailored to their chosen repayment
period. Customers can choose to pay between 7, 14 and 30 days. This ensures both affordability
and clarity for all users.

How to Access MoFlex

Accessing a MoFlex loan is fast and hassle -free. Customers can dial *182* 5*4 #, follow the prompts,
and receive funds directly into their MoMo accounts within minutes.

Speaking at the launch, Chantal Kagame, CEO of Mobile Money Rwanda Ltd, shared:
“We are delighted to introduce MoFlex as part of our ongoing commitment to fostering financial
inclusion in Rwanda. This product is designed to address the evolving needs of our customers,
providing not only access to funds but also the flexibility to manage their finances effectively. At
MoMo, we are dedicated to delivering solutions that truly come from the heart – ‘BivaMoMotima .’”

On the launch of MoFlex, Puneet Chopra, Chief Growth Officer at Yabx , said: “MoFlex combines flexible loan options with instant digital access, enabling customers to borrow and repay in a way that fits their financial needs. Behind this simple experience is a sophisticated digital lending infrastructure that brings together real -time data analytics, credit decisioning, and deep ecosystem integration. Through our partnership with Mobile Money Rwanda and Ecobank, we are creating a scalable model that has the potential to extend responsible access to credit across Rwanda’s large and growing base of MoMo users. ”

Carine Umutoni, Managing Director, Ecobank Rwanda Plc, added:

"At Ecobank Rwanda, we believe access to credit is a powerful catalyst for economic empowerment
in Rwanda, particularly for underserved communities who often face barriers to formal financing.
Through our partnership with Mobile Money Rwanda Ltd and YABX, MoFlex provides customers with
convenient and responsible access to short -term financing directly through their mobile phones.
This collaboration reflects our commitment to leveraging digital innovation to expand financial
inclusion and deliver practical f inancial solutions that support everyday needs and small businesses
across Rwanda."

Empowering Communities, Driving a Cashless Economy

MoFlex represents MoMo Rwanda’s unwavering dedication to leveraging digital innovation to transform lives and empower communities across the country. By offering accessible and user friendly financial services, MoMo continues to lead the charge toward achi eving a fully cashless economy in Rwanda.

Join the movement and experience financial freedom with MoFlex today. For more information, visit
our website or contact our customer service team.

About Mobile Money Rwanda Ltd:

Mobile Money Rwanda Ltd is MTN Rwanda’s FinTech subsidiary, established on 27th April 2021 to provide and manage Mobile Money services in Rwanda. The company has about 5.1 million subscribers, over 65,000 Mobile Money agents, and over 500,000 MoMoPay merch ants across the country. With continuous innovations in services such as MoMoPay, MoKash Loans & Savings, Tap&Go bus payments, Bill Payments, International & Regional Remittances, and more, Mobile Money Rwanda is at the forefront of driving financial inclu sion and supporting the digital economy in Rwanda.

About Ecobank Rwanda Plc

Ecobank Rwanda Rwanda is a subsidiary of Ecobank Transnational Incorporated (ETI), the parent company of Ecobank Group, which is headquartered in Lomé, Togo. Ecobank Group operates in 32 countries in Africa, and also has local representative offices in Add is Ababa, Ethiopia, and Johannesburg, South Africa. Ecobank Group also has a banking licence in France and international offices in Beijing, China; London, UK; and Dubai, the United Arab Emirates. Ecobank began its operations in Rwanda in 2007 under the su pervision and regulation of National Bank of Rwanda and has 8 branches. As part of its digital strategy, the Bank has 12 ATMs across the country with over 210 personnel and over 852 Xpress Point agencies serving customers through its Consumer Banking, Commercial Banking, Corporate and Investment Banking and tre asury business divisions.

About YABX

Yabx Technologies (Netherlands) B.V is a global digital lending infrastructure provider that enables banks, mobile money operators, and ecosystem partners to deliver responsible financial products at scale. Leveraging advanced analytics, alternate data, an d a fully integrated digital lending platform, the company supports the entire customer lifecycle —from acquisition and underwriting to loan management and portfolio analytics. Yabx has implemented financial programs across Africa, the Middle East, Asia, an d Latin America, partnering with banks, telcos, mobile money operators, and digital platforms to expand financial inclusion.