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 cooperation with the company named «CRETAN AVIATION OPERATIONS AVIATION AND COMMERCIAL SOCIETE ANONYME» (trading as "SKY EXPRESS SA" TIN: 999082370, Heraklion Airport, Crete, P.C. 71601, hereinafter referred to as "Sky Express") the promotional campaign described below (hereinafter referred to as "the Activity") which is aimed to Snappi's potential customers 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/. If you do not accept the Activity Terms, you should not participate in the Activity.

Α. ELIGIBILITY AND CONDITIONS OF PARTICIPATION

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 are at least 18 years of age

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

1.3. Fill in their details (full name, mobile phone number and email address) in Snappi’s special participation form which is available here: SKY Express | Open your Snappi account and get €30 with SKY express

1.4. Become Snappi customers (i.e., open a bank account) between the start of the Activity Period until the end date of the Activity, i.e. 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. If, for any reason, Snappi requests verification of the application user's details, only those registrations in which the user has successfully completed all the required and/or additional identification and confirmation steps requested by Snappi will be considered complete.

1.5. During the Activity Period, they must complete at least three (3) transactions, each with a minimum value of five euros (€5.00), using the Snappi debit card as the payment method.

1.6. They have not already completed the participation form for a parallel promotional campaign (e.g., "Vodafone CU" or "AB PLUS," "Public," "PAS Giannina,", "Everest Bite Club", "Welcome Offer", "Free Now" etc.) or have not already participated in the Activity.

1.7. In case the Customer has completed the participation form for a parallel promotional campaign will be entitled to the gift from the parallel promotional campaign in which they participated first.

2. It is clarified that the transactions each Customer must carry out using the debit card, in order to qualify as a Beneficiary of the Gift, must be at least three (3) in number, and each of them must have a minimum value of five euros (€5.00). In other words, a single transaction with the Snappi debit card equal to or greater than fifteen euros (€15.00) is not considered a valid condition for participation in this Activity.

3. Customers must use the same phone number to complete the participation form and register with Snappi so that they can be identified for the purpose of receiving the Gift. 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 websites https:// www.snappibank.com and και https://www.skyexpress.gr/.

4. Any participation that does not comply with these Terms is invalid.

5. Each person is entitled to one participation in the Activity.

6. The Gift (voucher, as described below) can only be obtained once (1) per Snappi Customer.

Β. DESCRIPTION OF ACTIVITY & GIFT 

1. At the end of the week during which the Customer completes the final required transaction of at least five euros (€5.00), Snappi will send the Customer a unique voucher code, of a total value of thirty euros (€30.00) (the “Gift”), to the email address provided in the participation form, which the Customer may redeem for the purchase of a Sky Express ticket.
2. Specifically, the Customer may use the Gift to purchase a ticket to and from any destination (domestic and international) within the Sky Express network in accordance with the Sky Express Terms and Conditions of Transactions and, in particular, for airline ticket reservations for routes that can be taken exclusively within one (1) year from the date the voucher is credited to the Beneficiary, subject to seat and flight availability. The discount is automatically applied when the voucher is entered in the special field at the final stage of purchases made through the Sky Express website. The code can be redeemed once per Customer. The use of the voucher cannot be combined with other offers that require the use of a code.
3. Snappi reserves the right to modify the activation mechanism and the process of awarding the Gift, informing the Customers in a timely manner by amending these Terms or by sending a message itself (email, SMS, Viber). It is expressly agreed that any amendment may not entail additional financial burden, extension of the duration or increase in the quantity/value of the Gift for Sky Express, nor create additional obligations for it, without its prior written consent.
4. Each Customer may receive the Gift only once, which is personal, non-transferable, and addressed individually to each Customer. Sharing or use of the Gift by a third party is prohibited.
5. If the Customer requires further clarification, they can contact:

A) Snappi, for issues related to their registration in the participation form in the Activity, their registration on the Snappi application (Digital Onboarding) at: 

By email at: customer@snappibank.com 

By telephone at: 210 483 8000.

B) For issues related to redeeming the Gift in the details:

By email at: callcenter@skyexpress.com

By telephone at: 8011128288/2152156510

6. It is clarified that Customers are not eligible for the Gift if:

Are already registered Snappi Customers prior to the start date of the Activity, i.e. have purchased a Snappi product or service (with the exception of the Youth Pass) up to and including their registration date.

6.2. They do not complete the required three (3) transactions, each with a minimum value of five euros (€5.00), within the Activity Period.

6.3. They carry out the required number of transactions with a value at least equal to the specified minimum, but using a payment method different from the one prescribed.

They have not completed the Snappi participation form within the Duration of the Activity (it is not necessary to complete the form prior to Digital Onboarding or the crediting of the amount, as long as it is done within the Duration of the Activity).

They have filled in their details on another parallel promotional campaign participation form before completing this participation form and completing the steps in accordance with this form.

It is clarified that, in parallel with this Activity, other promotional campaigns are also taking place in collaboration with third-party partners (Vodafone CU, AB, Public, Goody’s, Everest, Free Now, Welcome Offer) (“parallel promotional campaigns”). If a Customer registers for a parallel promotional campaign and for this Activity, they will be entitled exclusively to the gift corresponding to the promotional campaign in which they registered earlier, while the subsequent gift will not be awarded. In any case, the Customer will not be entitled to the gift of more than one promotional campaign.

C. DURATION 

1. Participation in the Activity is possible from May 4, 2026 (00:01 Greek time) to August 31, 2026 (12:00 PM Greek time) (" Activity Period").
2. Completing the participation form and/or downloading the application and/or registering after the Duration of the Activity has ended will not make the Customer eligible and the Gift cannot be awarded to them. The completion of at least three (3) transactions, each with a value of at least five euros (€5.00) before or after the end of the Activity Period shall not be considered valid for the awarding of the Gift to Customers, even if the Customer has become a Snappi Customer during the Activity Period. 

D. RESTRICTIONS

1. It is clarified that the registration option provided through the Activity does not automatically render Customers a client of Snappi. Customers 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 Member does not meet all the Terms of the Activity, which are all considered essential. Customers 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 Customers’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. Snappi reserves the right to deem any Customer ineligible and not award the Gift for any reason (e.g. if information is pending for the successful completion of the identification and registration process in accordance with Snappi's procedure, e.g. verification of details), illegal or unconventional use of the Snappi application is detected or suspected, or the Customer does not comply with the Terms of the Action or the Snappi Terms and Conditions of Transactions. The same applies in the event of force majeure affecting Snappi.
3. In any case, Snappi or/and Sky Express reserve the right to offer alternative gifts of their own choosing. In the event of force majeure, security reasons, or other circumstances beyond their control, they may and are 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. 

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 and awarding the Gift. Please also refer to our Privacy Policy, which is posted on our website, and which applies in addition to these terms. 
2. Once you have completed the Snappi participation form, 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.) and take the appropriate technical and organizational security measures to ensure their secure storage for the period required to complete the Activity. 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 transaction data generated through the application and use of the Snappi card, as well as the contact details it already holds about you as its customer, for the purposes of: (1) verifying the completion of the Snappi participation form, (2) verifying the eligibility of your transactions for participation in the Activity and for the awarding of the Gift, and (3) providing updates and communication within the context of the Activity, including sending the voucher to the Beneficiaries (Legal basis for processing: performance of a contract).
4. Snappi retains your transaction data in accordance with its Privacy Policy. The data related to your participation in the Activity and the awarding of the Gift are kept in line with the above Policy (for the entire duration of our contractual relationship and for at least 20 years after its termination).
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 Interested Parties provided by submitting the participation form in order to provide the necessary updates regarding the actions required to register the Interested Parties as Snappi customers, and no later than 31/7/2026.
6. Snappi is responsible for processing the personal data you submit via the special participation form, as well as the data you submit to create a new bank account. 
7. Each Client 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: www.dpa.gr). To exercise his/her rights, each participating person may contact Snappi, at the contact details dpo@snappibank.com.
8. 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 for the purpose of sending you news and updates from Snappi until you withdraw your consent. Your personal data will not be disclosed to third parties, and Snappi will still be the Data Controller. To withdraw your consent, you can contact Snappi by sending an email at dpo@snappibank.com.

F. OTHER TERMS AND CONDITIONS 

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, Customers will be notified by Snappi via email, SMS, Viber, or through its channels of choice. 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 gifts to the Supporters, in the event that the credit of the amount has been completed 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. Any modification affecting the nature, terms, or availability of the relevant Gift is subject to prior notification and consent by Sky Express, to the extent that the modification concerns its own benefits or obligations. Sky Express shall not be liable for any changes, postponements, or cancellations of the Action that are decided exclusively by Snappi and do not directly affect the performance of its own services.
2. 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 participation or any other problem or damage. 
3. Snappi bears no responsibility for any act or omission by Sky Express in relation to the delivery of the ticket to the Customer and its use, such as, indicatively, the quality of services provided by Sky Express, the availability of flights and seats, defects or any other shortcomings of the Sky Express website, nor for any delays and/or flight cancellations, incorrect charges, or other acts or omissions of Sky Express. Any relevant requests, complaints, or claims from customers regarding the above should be addressed exclusively to Sky Express, in accordance with its customer service policy and procedures. Sky Express is solely responsible for the proper provision of the air services it provides under the Gift, in accordance with its applicable terms of carriage and applicable law. It bears no responsibility for the organization, management, or any modification, postponement, or cancellation of the Activity by Snappi, nor for acts or omissions not related to the performance of air transport. In any case, Sky Express's liability is limited to the extent provided for by applicable law and applicable air transport regulations.
4. SNAPPI reserves the right at any time to exclude any participating person who has submitted false or inaccurate entries or personal information. 
5. In the event that any provision is deemed invalid, such partial invalidity shall not invalidate the entire Terms.
6. 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.