TERMS & CONDITIONS OF ACTIVITY

"Snappi BANK S.A." (Krystalli 7A, Ioannina, TIN: 801858330, hereinafter "Snappi") in the context of promoting its products and services, organizes, in collaboration with the company “Public Retail SA” (Thivaidos 22, 14564 Kifisia, TIN: 999645183, hereinafter “Public”) the promotional campaign described below (hereinafter referred to as "the Activity") which is aimed at new members of Snappi’s banking account (in accordance with the following) and which simultaneously registered holders of the "Public Wallet" digital wallet as part of their participation in Public's Public Plus (Public+) program (hereinafter referred to as "Holders" and "Public Wallet," respectively),  in accordance with the following terms and conditions. Before participating in the Activity, please read these Terms and Conditions of Participation ("the Activity Terms") carefully, which are also posted on the website https://www.snappibank.com/el/public-wallet/. .If you do not accept the Activity Terms, you should not participate in the Activity.

Α. ELIGIBILITY AND CONDITIONS OF PARTICIPATION

1. Eligibility to participate in the Activity is granted to persons who cumulatively meet the following criteria and complete the following steps ("Beneficiaries"):

1.1. are natural persons and at least 18 years of age

1.2. are tax residents of Greece and have full legal capacity

1.3. are registered members of the Public + program and have a unique ten-digit membership card code that uniquely identifies each Public Wallet Holder and allows its use ("Public Wallet Code" or "Code").

1.4. Fill in their details (full name, mobile phone number, email address, and the Public Wallet Code) in the special participation form available at the https://www.snappibank.com/el/public-wallet/

1.5. download the Snappi app.

1.6. successfully complete registration on the Snappi app (i.e., successfully complete the Digital Onboarding process, which includes verifying the details of prospective customers and ensuring that they meet all the conditions set out in Snappi's Terms and Conditions of Transactions) within five (5) days  (see also term B.4) or within the time periods notified from time to time.

2. It is clarified that persons who do not meet the above criteria or who meet any of the following criteria are not eligible to participate in the Activity and are not considered Beneficiaries:

2.1. They are already Snappi customers, i.e. they have, up to the date of their registration, purchased a Snappi product or service (with the exception of the Youth Pass) (i.e. they have completed their registration/Digital Onboarding).

2.2. have started the Digital Onboarding process without completing any of the steps specified in Snappi's Terms and Conditions of Transactions (e.g. they have not submitted a supporting document)

2.3. They are unable to complete their registration because they do not meet Snappi's Terms and Conditions of Transactions.

2.4. They do not complete their registration with Snappi within the specified time limit (see term B.4).

2.5. They have already participated in the Activity

2.6. Have already participated in a parallel promotional campaign and have completed their registration with Snappi through it (e.g., activities “Vodafone CU” or “AB PLUS” or "Stirizo Pas")

3. Participation in the Activity requires and implies unconditional acceptance of all of these terms and conditions, even if they are modified in the future, as stated below, as well as the Privacy Policy and Terms of Use of the website https:// snappibank.com, as well as the terms and conditions of the Public+ program, as posted on the website https://www.public.gr/page/publicplus/oroi.
4. Each person is entitled to one entry.
5. Any entry that does not comply with these Terms is invalid.

Β. DESCRIPTION OF ACTIVITY & GIFT

1. The Beneficiary (i.e., any Public Wallet Holder who meets the criteria of term A above) will receive, within fifteen (15) business days of completing their registration with Snappi, fifteen euros (€15) as a reward in their Public Wallet to be redeemed in future purchases either in physical stores under the Public or Public home+ brand name or in Public's online e-shop https://www.public.gr/ ("Gift"), always in accordance with the applicable terms of the Public+ program and the restrictions and exceptions mentioned therein. The Gift can only be redeemed by the Holder either at Public and Public + home physical stores in Greece by presenting (showing or scanning) the Public+ digital card at the store checkout, or for purchases at the public.gr online store, provided that the Holder is logged in to their online account.
2. To receive the Gift, the Holder must visit Snappi's specially designed landing page and fill out the participation form with their personal details (full name, telephone number, email address, Public Wallet code) in order to receive further instructions on how to download the Snappi app from the App Store or Google Play (depending on the type of device) and complete their registration.
3. Before proceeding with registration, the Holder must accept these Terms of Activity, which will be available on the website. Failure to accept the Terms will prevent the Holder from proceeding with registration and subsequently participating in the Activity.
4. The Holder must complete their registration, i.e. open their bank account as a Snappi customer, within five (5) days of filling out the participation form or within the time period notified in each case, and in any case within the announced time period, otherwise they will not be Beneficiaries of the Gift.
5. Snappi reserves the right to modify the activation mechanism and redemption process for Codes, informing Holders in a timely manner by amending these Terms or by sending a message (email, SMS, Viber) from Snappi itself or from Public.
6. Each Holder may receive only one Gift, which is personal, non-transferable, and addressed individually to the respective Public Wallet Holder. Sharing or using the Gift by a third party is prohibited. Public bears no responsibility for unauthorized use of the Public Wallet by third parties.
7. If the Holder requires further clarification, they should contact:

7.1. Public, regarding issues, requests, and any complaints related to receiving and using the Gift, by telephone at 2108181333 or by email at cardmembers@public.gr.

7.2. Snappi, exclusively for issues related to their participation in the Activity, their registration on the participation form, or their registration on the Snappi application (Digital Onboarding):

By email at: customer@snappibank.com

By telephone at: 210 483 8000.

8. In the event of any loss of the Gift by Holders Beneficiaries, Snappi and Public shall not be liable for any replacement, cancellation, reissue, or other restoration of the loss, and no claim may be made against Snappi for this reason by Holders.
9. It is clarified that Holders who register with Snappi using an invalid Public Wallet Code, even if they complete their registration with Snappi, are not entitled to the Gift.
10. It should be noted that, in parallel with this Promotional Activity, other promotional activities are also taking place in collaboration with third parties (Vodafone, AB, PAS GIANNINA) ("parallel promotional activities"). If a Public Wallet Holder enrolls in both the parallel promotional activity and this Promotional Activity on the same calendar day, they will be entitled exclusively to the Gift of the parallel promotional activity and will not receive the Gift of this Promotional Activity. If the Holder registers for the two above promotions on different dates, they will be entitled exclusively to the gift corresponding to the promotion in which they registered earlier, while the later gift will not be awarded. In any case, the Holder will not be entitled to the gift of both promotional activities.

C. DURATION

1. Holders who participate in the Activity must complete the special participation form of Snappi which is available at https://www.snappibank.com/el/public-wallet/ and complete their registration on the application (including the Digital Onboarding process) within five (5) days of submission, during the period from 15.10.2025 (00:01 Greek time) to 30.09.2026 (23:59 Greek time) ("Activity Period"). Snappi reserves the right, but is not obligated, to change the Duration of the Activity by giving prior notice to Holders through announcements on its own channels/media or those of Public.
2. Beneficiaries may redeem the Gift within six (6) months of registering with Snappi and in accordance with the applicable terms and conditions of the Public+ program and the restrictions and exceptions specified therein. The expiration date of the Gift is determined exclusively by Public. A Gift that has been awarded to a Holder and has not been redeemed by the end of its Term will be deactivated and cannot be used, unless otherwise specified by Public.
3. Downloading the application and/or registering as a Snappi costumer by the Holder (even if all the actions that Snappi may require as part of the identification/know your customer process have not been completed) before or after the Duration of the Activity will not make the Holder a Beneficiary and the Gift will not be awarded to them.

D. RESTRICTIONS

1. It is clarified that the registration option provided through the Activity does not automatically render Holders customers of Snappi. Holders accept that if they do not meet the General Terms and Conditions of Transactions for registering as a new Snappi customer in accordance with the applicable regulatory framework and Snappi's terms and conditions as displayed in the Snappi application, they will not be able to complete their registration in the digital application or may be required to contact Snappi to provide any additional documents. Snappi reserves the right to reject registration applications during Digital Onboarding if the General Terms and Conditions of Transactions set for new customer registration are not met, as well as to reject any participation at any stage - even at the stage of awarding the Gift, if the Holder does not meet all the Terms of the Activity, which are all considered essential. Holders must complete any process required by Snappi in order to verify their details and complete the know your customer process, even after completing Digital Onboarding. Otherwise, Snappi reserves the right not to award or to cancel the Gift. Similarly, Snappi reserves the right, at its sole and absolute discretion, to accept or reject any Holder’s application to register as a customer for any reason (e.g. if they do not successfully complete the identification and registration process in accordance with Snappi's procedure, e.g. verification of details), or if illegal or unconventional use of the Gift or details is detected or suspected.
2. In the event that the Gift is unavailable, Snappi reserves the right to offer alternative gifts of its own choosing. In the event of force majeure, security reasons, or other circumstances beyond Snappi's control, Snappi may and is entitled NOT to offer the Gift, in which case it shall be released from any liability and shall not be obliged to offer alternative gifts of any form or value.
3. The Gift is sent by Public, and Snappi bears no responsibility in the event of delay, non-delivery, or non-return by Public to the extent that such delay, non-delivery, or non-return is solely attributable to Public. Similarly, Snappi shall not be liable in the event that the Holder has provided incorrect contact details to Public or has lost or the access passwords to the Public Wallet account, which may be used by Public to deliver the Gift. Public will decide unilaterally on the method of awarding the Gift to the Beneficiaries.
4. Snappi bears no responsibility whatsoever with regard to the validity, duration, expiration date, redemption, and general use of Gifts which are governed exclusively by the terms and conditions of the Public+ and are subject to the restrictions set by Public. Accordingly, Public bears no responsibility whatsoever for the registration process on the Snappi app and the creation of new user accounts, nor is it involved in any way in the process of evaluating the validity of registrations and fulfilling the conditions for participation in this Activity.

E. CONDITIONS FOR PROCESSING PERSONAL DATA

1. This section contains information about the collection of your personal data and their processing for the purposes of conducting the Activity. Please also refer to our Privacy Policy, which is posted on our website, and which applies in addition to these terms.
2. Recipients of your data will only be SNAPPI's authorized partners, which assist in the implementation of the Activity (e.g. cloud hosting provider, marketing provider, social media manager, etc.) Your personal data will be processed exclusively for the purpose of executing and implementing the Activity and your guidance for obtaining the Gift. The personal data of the participating persons will not be transferred outside the European Economic Area. SNAPPI takes all appropriate technical and organizational measures, as defined in the applicable legislation, to ensure an appropriate level of protection for the personal data of participants.
3. SNAPPI processes the data you have provided when submitting the special shaped participation form, for the purposes of 1. your guidance for participating in the Activity and acquiring and registering with the Snappi application and 2. informing and communicating with you in the context of the Activity legal basis for processing: contract performance).
4. Snappi processes the data submitted directly by Holders through the landing page set up for the purposes of the Activity exclusively for the above purposes and does not share it with third parties expressly excluding the Beneficiaries' Public Wallet Code, which Snappi will send to Public so that the Gift can be awarded.
5. The personal data of the participants will be kept as follows: (a) in case the participants gain access to the SNAPPI application and successfully complete their registration as customers of Snappi, their data will be kept based on the Privacy Policy which they will have accepted by completing the Digital Onboarding, (b) in the event that the completion of Digital Onboarding for any reason does not take place before the Duration of the Activity, Snappi will retain the data of the Holders provided by submitting the participation form of the Activity in order to provide the necessary updates regarding the actions required to register Holders as Snappi customers, and no later than 15/10/2026.
6. In the context of implementing this Activity, Snappi is responsible for processing the personal data you submit via the special participation form, as well as the data you submit for creating a new bank account. Public is the Data Controller of your personal data relating to your participation in the Public+ program. For more information regarding the processing of your personal data by Public, please refer to the Terms and Conditions of participation in Public+, as well as to Public's Privacy Policy.

Each Holder has the right of access, information, correction, objection to further processing of their personal data, as provided for in the General Data Protection Regulation (EU Regulation 2016/679 and Law 4624/2019) and the right of appeal to the competent supervisory authority (the Data Protection Authority): Kifissias 1-3, P.C. 115 23, Athens, Greece, telephone: +30 210 6475600, e-mail: contact@dpa.gr). To exercise his/her rights, each participating person may contact SNAPPI, at the contact details dpo@snappibank.com. If you explicitly consent to this, Snappi will send you news and updates based on your consent. You can freely revoke your consent to processing for any of these purposes at any time. If you choose to receive news and updates from Snappi, we will retain the data you have provided to us via the participation form to the Activity for the purpose of sending you news and updates from Snappi until you withdraw your consent. To withdraw your consent, you can contact Snappi by sending an email at dpo@snappibank.com and with Public at dpo@public.gr.

F. OTHER TERMS AND CONDITIONS

1. 1. SNAPPI reserves the right to unilaterally modify these terms and conditions, to shorten or extend the duration of the Activity or to revoke it with prior notice by any appropriate means, to replace the Gifts with others of equal value at its discretion and in general to modify any term of the Activity by means of an announcement through the website https://www.snappibank.com/. If deemed appropriate, Holders will also be notified by Public via email, SMS, Viber, or through Public’s preferred channels. SNAPPI shall be exempt from any liability in relation to the postponement or cancellation of the Activity and/or the draw or the aforementioned amendments thereto, which shall apply as set out above and, in any case, shall reserve the right to award or not award the Gift to the Beneficiaries, in the event that their subscription has been held prior to the postponement or cancellation of the Activity or prior to the amendment of these Terms and Conditions of Activity for any reason whatsoever.
   2. In case any of the participating persons wishes to withdraw their participation in the Activity, they can send an email to costumer@snappibank.com with the subject “Request for Withdrawal from the Activity Snappi x Public”. In this case his/her participation will be cancelled, and his/her personal data will be deleted.
   3. SNAPPI is not responsible in case of incorrect registration or incomplete data on the part of the participants or in case any of the participating persons does not meet the requirements to join the SNAPPI application in order to become a customer of SNAPPI according to the terms and conditions of Digital Onboarding.
   4. SNAPPI is not liable in any way for (i) network, hardware and software disruptions of the participant's network and/or malfunction of the application of any nature that may result in limited, delayed or lost entry or any other problem or damage.
   5. SNAPPI reserves the right at any time to exclude any participating person who has submitted false or inaccurate entries or personal information.
   6. In the event that any provision is deemed invalid, such partial invalidity shall not invalidate the entire Terms.
   7. The Terms of Activity, as applicable, are governed by Greek Law. For any dispute that may arise as to the interpretation or application of the above terms, the Courts of Athens (Central Headquarters) shall have concurrent jurisdiction with the other courts competent according to law.