TERMS & CONDITIONS OF THE ACTIVITY

“Snappi Bank S.A.” (7A Krystalli Str., Ioannina, Greece, VAT No. 801858330, hereinafter “Snappi”), in the context of promoting its products and services, organizes, in cooperation with “Free Now Hellas Single Member Société Anonyme” (trade name “Freenow”, VAT No. 801365013, registered offices at 115 Kifisias Ave., 11524, hereinafter also “Freenow”), the promotional campaign described below (the “Campaign”). The Campaign is addressed to Snappi customers and Freenow customers that maintain a user account in the “Freenow” application (the “Customers”), under the following terms. 

Before participating in the Campaign, please carefully read these Participation Terms (the “Campaign Terms”), which are also posted on the website https://www.snappibank.com/. If you do not accept the Campaign Terms, you should not participate in the Campaign.       

Α. ELIGIBILITY AND CONDITIONS OF PARTICIPATION

1. The right to participate in the Campaign is granted to persons who cumulatively meet the following criteria and complete, within the Campaign Period (see also Section C.1 below), the following steps (“Eligible Participants”):  

1.1 They are natural persons and have reached the age of eighteen (18).  

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

1.3. They complete their details (full name, mobile number and email) in Snappi’s dedicated participation form available at https://www.snappibank.com/el/freenow/

IMPORTANT: Customers must use, for completing the participation form and registering with Snappi, the same phone number that they have registered in their account in the “Freenow” application, so that they can be identified for the purposes of awarding the Gift. 

1.4. They become Snappi customers from the start of the Campaign Period, i.e. on 10/02/2026 and the latest until the end date of the Campaign Period, i.e. on 31/08/2026, meaning that they successfully and fully complete their registration to open a bank account (Digital Onboarding) in the Snappi application, which includes identification of the prospective customers’ details and fulfillment of all requirements set out in Snappi’s Terms and Conditions of Transactions. If, for any reason, Snappi requests verification of a user’s details, only the registration for which the user has successfully completed all required and/or additional identification and confirmation steps requested by Snappi shall be deemed completed. 
 
1.5. During the Campaign Period, and the latest until 31/08/2026, they credit the amount of twenty-five euros (€25) to their account using any method offered by Snappi (e.g., money transfer or top up). The crediting of twenty-five euros (€25) does not need to occur in a single transaction. Customers may make multiple credits of smaller amounts during the Campaign Period, and provided that these cumulatively amount to €25.00 (or more), they shall qualify as Eligible Participants for the Gift. 

1.6. They are already registered in, or by the end date of the Campaign they successfully and fully complete their registration in, the “Freenow” application, so as to become Eligible Participants and receive the respective Gift by Snappi via email.           

1.7. They have not already completed a participation form for a parallel promotional campaign launched by Snappi (e.g., “Vodafone CU”, “AB PLUS”, “Public”, “PAS Giannina”, “Everest Bite Club”, etc.). 

1.8. If a Customer has completed a participation form for a Snappi parallel promotional campaign, they shall be entitled to the gift of the campaign in which they first participated. 

• Participation in the Campaign requires and entails the unconditional acceptance of all Campaign Terms, even if amended in the future as described below, as well as the Privacy Policy and the Terms of Use of the website https://www.snappibank.com. 
• Any participation that does not comply with these Campaign Terms shall be deemed invalid. 
• Freenow customers who are registered in the “Freenow” application will receive relevant communications from Freenow via In-app messages and notifications, as well as email, inviting them to participate in the Campaign and complete the participation form.  

Β. CAMPAIGN DESCRIPTION & Freenow GIFT  

• Within five (5) business days from the Customer’s credit of twenty-five euros (€25) in the Snappi account, they will become a Eligible Participant. The Eligible Participant will receive via email sent by Snappi the amount of twenty-five euros (€25) (the “Gift”), in the form of a Freenow unique code stacked with 5 gifts of 5€ each for taxi trips booked and paid via in the Freenow app.
• The Freenow unique code stacked with a pack of 5 gifts of 5€ is valid until 05/10/2026 and shall be manually added to the Freenow app under the "Coupons and Offers" section up to 05/09/2026. 
• Once the 5 gifts have been added to the Freenow app, they are considered deposited and they can be used for five (5) different taxi trips within the following 30 days, and the latest until 05/10/2026. 
• The gifts are valid for trips in all cities in Greece where Freenow operates (Athens, Thessaloniki, Patras, Heraklion, Kavala, Katerini and more). 
• Each 5€ gift can be applied to a single taxi trip booked and paid via Freenow. Each gift can be used only once and cannot be exchanged, transferred, or combined with other offers. 
• Each gift is used automatically during payment via Freenow, provided it has been previously entered and selected in the "Coupons and Offers" section. 
• If multiple gifts have been added to the "Coupons and Offers" section, the one with the earliest expiration date will be applied by default, unless another gift      is manually selected.  
• Each gift is used in full and in a single transaction for the total amount of 5€.  
• If the trip costs less than 5€, the remaining balance of each gift will expire and cannot be carried over to a future trip.  
• After 30 days from the date of registration in Freenow, the gifts will be deleted from the app.  
• Freenow is not responsible for taxi availability.  
• In case of loss, theft, or expiration, the gift will not be replaced. 
• Snappi reserves the right to modify the process for receiving the Gift, duly informing Customers in advance by amending these Campaign Terms or by message (email, SMS, Viber). 
• If the Customer needs further clarifications, they may contact Snappi regarding issues related to their participation in the Campaign, registration in the Snappi application (Digital Onboarding), its use and the awarding of the Gift, at:
• Email: customer@snappibank.com
• Phone: +30 210483 8000

• It is clarified that the following Customers are not entitled to the Gift: 

1. Customers who are already registered Snappi customers before the start of the Campaign Period, i.e., have obtained, up to and including their registration date, any Snappi product or service (excluding the Youth Pass). 
2. Customers who completed the Onboarding to Snappi with any means other than the dedicated participation form available at https://www.snappibank.com/el/freenow/ 
3. Customers who credit amounts with a total value below €25.00 during the Campaign Period. 
4. Customers who credit the amount by any means other than those provided in the Snappi application. 
5. Customers who have not completed Snappi’s participation form within the Campaign Period (completion of the form does not need to precede the Digital Onboarding or the crediting of the amount, provided it takes place within the Campaign Period). 
6. Customers who have not registered, or do not register by the end of the Campaign Period, in the “Freenow” application. 
7. Customers who have entered their details in another participation form for a parallel promotional campaign launched by Snappi, prior to completing a participation form for the present Campaign and completing the steps hereunder.       

C. CAMPAIGN PERIOD

1. Participation in the Campaign is possible from February 10th, 2026 (00:01 Greece time) until ​​August 31st, 2026 (23:59 Greece time) (the “Campaign Period”), meaning that participants must have already signed up and credited twenty-five euros (€25) in the Snappi account until the ending day of the Campaign on 31/08/2026, even if the participation form remains available for a period extending beyond the end of the Campaign Period. 
2. Snappi reserves the right, but has no obligation, to amend the Campaign Period, following prior appropriate notification to Customers via an announcement through its channels/media. 
3. Completion of any participation form and/or download of the application and/or registration after the Campaign Period will not render the Customer an Eligible Participant and the Gift cannot be awarded to them. 
4. Crediting the amount of twenty-five euros (€25) to the Customer’s account after the Campaign Period shall not be considered valid for the award of the Gift, even if the Customer became a Snappi customer during the Campaign Period.  

D. RESTRICTIONS

1. It is clarified that the possibility to apply/register through the Campaign does not automatically render Customers Snappi customers. Customers accept that, if they do not meet the General Terms and Conditions of Transactions applicable to their registration as new Snappi customers under the applicable regulatory framework and Snappi’s terms displayed in the Snappi application, they will not be able to complete their registration in the digital application, or they may be required to contact Snappi and provide additional documents. Snappi reserves the right to reject registration applications during Digital Onboarding if the General Terms and Conditions of Transactions for new customer registration are not met, as in force from time to time, and also to reject any participation at any stage—even at the stage of awarding the Gift—if the Customer does not meet all Campaign Terms, all of which are deemed material. Customers must complete any process required by Snappi for identification and know-your-customer purposes, even after completion of Digital Onboarding. Otherwise, Snappi reserves the right not to award or to cancel the Gift. Likewise, Snappi reserves the right, at its sole and absolute discretion, to accept or reject any Customer’s application to register as a customer for any reason (e.g., failure to successfully complete the identification and registration process under Snappi’s procedure, e.g., verification of details), or where unlawful or non-compliant use of the Gift or the details is identified or suspected. 
2. Snappi reserves the right to deem any Customer non-eligible and not award the Gift for any reason (e.g., where information required for the successful completion of the identification and registration process is pending under Snappi’s procedure, e.g., verification of details), where unlawful or non-compliant use of the Snappi application is identified or suspected, or where the Customer does not comply with the Campaign Terms and/or Snappi’s Terms and Conditions of Transactions. The same applies in cases of force majeure affecting Snappi.  

E. PERSONAL DATA PROCESSING TERMS

1. This section contains information regarding the collection of your personal data and their processing for the purposes of conducting the Campaign, so that awarding the Gift is possible. Please also refer to our Privacy Policy, posted on our website, which applies in a supplementary manner to these Campaign Terms.
2. Recipients of your data shall only be Snappi’s authorized partners who assist in the implementation of the Campaign (e.g., cloud hosting provider, marketing provider, social media manager, etc.). Your personal data will be processed solely for the purposes of executing and implementing the Campaign and guiding you in obtaining the Gift. Participants’ personal data will not be transferred outside the European Economic Area. Snappi takes all appropriate technical and organizational measures, as provided by applicable law, to ensure an adequate level of protection for participants’ personal data. 
3. Snappi processes transaction data within the application and communication data it already holds about you as its customer for the purposes of: (1) verifying completion of Snappi’s participation form; (2) verifying crediting of the amount to your bank account and verification of compliance with these Campaign Terms; and (3) informing and communicating with you in the context of the Campaign (legal basis: performance of a contract). 
4. Participants’ personal data will be retained as follows: 
   (a) where participants gain access to the Snappi application and successfully complete registration as Snappi customers, their data will be retained in accordance with the Privacy Policy they accepted upon completion of Digital Onboarding; 
   (b) where Digital Onboarding is not completed for any reason before the end of the Campaign Period, Snappi will retain the data of interested persons provided through submission of the participation form, in order to provide the required updates on the steps necessary for their registration as Snappi customers, and in any event no later than 31/8/2027. 
5. Snappi retains your transaction data in accordance with its Privacy Policy. Data related to your participation in the Campaign and the awarding of the Gift are retained in accordance with said Policy (for the entire duration of our contractual relationship and for at least twenty (20) years following its termination). 
6. The data controller for the personal data you submit via the dedicated participation form, as well as the data you submit for opening a new bank account, is Snappi. 
7. Each Customer has the right of access, information, rectification, objection to further processing of their personal data, as provided in the General Data Protection Regulation (EU Regulation 2016/679 and Law 4624/2019), as well as the right to lodge a complaint with the competent supervisory authority (Hellenic Data Protection Authority: 1–3 Kifisias Ave., 11523 Athens, tel. +30 210 6475600, email: contact@dpa.gr). To exercise their rights, each participant may contact Snappi at: dpo@snappibank.com. 
8. If you expressly consent to this, Snappi will send you news and updates on the basis of your consent. You may freely withdraw your consent at any time in respect of processing for any of these purposes. If you choose to receive news and updates from Snappi, we will retain the data you provided for that purpose until you withdraw your consent. Your personal data will not be disclosed to third parties; the data controller will again be Snappi. To withdraw your consent, you may contact Snappi by email at: dpo@snappibank.com.  

F. MISCELLANEOUS

1. Snappi reserves the right to unilaterally amend these Campaign Terms, shorten or extend the Campaign Period or revoke the Campaign, following prior announcement by any appropriate means, replace the Gift with another of equal value at its discretion, and generally amend any term of the Campaign by announcement via the website https://www.snappibank.com/. Where deemed more appropriate, Customers will be informed by Snappi via email, SMS or Viber message, or through Snappi’s selected channels. Snappi shall bear no liability in relation to the postponement or cancellation of the Campaign and/or the draw or the above amendments, which shall apply as set out above; and, in any event, Snappi reserves the right as to whether or not to award the Gift to Eligible Participants, where the crediting of the amount is completed prior to the postponement or cancellation of the Campaign or prior to any amendment of these Campaign Terms for any reason.
2. Snappi shall not be liable in any way for (i) disruptions to the network or to the participant’s hardware and software, and/or any malfunction of any application of any nature that may lead to limited, delayed or lost registration of participation or any other issue or damage. 
3. Snappi reserves the right at any time to exclude any participant who has submitted false or inaccurate entries or personal information. 
4. If any term is held invalid, such partial invalidity shall not affect the validity of the Campaign Terms as a whole. 
5. The Campaign Terms, as in force from time to time, are governed by Greek law. For any dispute that may arise regarding the interpretation or application of these Campaign Terms, the courts of Athens (Central Seat) shall have concurrent jurisdiction with any other courts having jurisdiction pursuant to law.