1. Go to Playstore or Apple store
2. Download CalBank app (not CalBank soft token)
3. Sign up using 4757886 as the referral code
4. After signing up, go to Dashboard and click on Accounts
5. Select MTN MOMO, enter and save your momo number.
6. They'll send you a referral code.
7. With that code as your referral code, let others follow the above steps.
CalBank will send you 10gh airtime per person referred. So if you refer 1000 people, they'll send you 10gh per person
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