TERMS & CONDITIONS OF THE ACTIVITY

“Snappi BANK S.A.” (7A Krystalli Street, Ioannina, Tax ID No. 801858330, hereinafter “Snappi”), in the context of promoting its products and services, organizes, in cooperation with “Public Retail S.A.” (22 Thivaidos Street, 14564 Kifissia, Tax ID No. 999645183, hereinafter “Public”), the promotional campaign “Public & Snappi Pay Later €30 Offer” (the “Campaign”).

The Campaign concerns purchases made exclusively through the participating Public.gr online store, Public and Public + home physical stores, using Snappi Pay Later as the payment method, and is addressed to existing and new Snappi customers (“Customers”) who are also registered holders of the “Public Wallet” digital wallet as part of their participation in Public’s Public Plus (Public+) program (hereinafter respectively the “Holders” and “Public Wallet”), in accordance with the following terms.

Before participating in the Campaign, please carefully read these Terms of Participation (the “Campaign Terms”). If you do not accept the Campaign Terms, you should not participate in the Campaign.

A. ELIGIBILITY TO PARTICIPATE

The conditions set out below under Sections A and B must be met cumulatively in order for a person to qualify as a Beneficiary of the Campaign Reward.

1. The Campaign is addressed to existing and new Snappi customers, namely persons who, during the Campaign Period, are already or become Snappi customers by successfully and fully completing their registration (Digital Onboarding) through the Snappi application, including verification of their details and fulfilment of all requirements applicable to them under Snappi’s General Terms and Conditions of Transactions (the “Customer”).
2. In the event that, for any reason, Snappi requests additional verification of the application user’s details, registration shall be deemed complete only once the user has successfully completed all required and/or additional identification and verification steps requested by Snappi.
3. It is clarified that persons who have obtained a Youth Pass through Snappi are not considered Customers for the purposes of the Campaign and, in order to become Beneficiaries, must complete Digital Onboarding and become Snappi Customers within the Campaign Period.
4. Eligible participants must be natural persons who have reached the age of 18, are tax residents of Greece, have full legal capacity and are registered members of the Public+ program, holding the unique ten-digit membership card number that uniquely identifies each Public Wallet Holder and enables use of the Public Wallet (the “Public Wallet Code” or “Code”).

B. PARTICIPATION REQUIREMENTS (STEPS) & SNAPPI PAY LATER €30 OFFER REWARD

1. In order to receive the Snappi Pay Later €30 Offer Reward, participants must complete the following steps within the Campaign Period, namely from 23.09.2026 up to and including 11.10.2026 (“Beneficiaries”):
2. Make at least one (1) purchase from the Public online store or from Public and Public + home physical stores, with a value of one thousand four hundred and fifty euros (€1,450) or more, during the Campaign Period, selecting Snappi Pay Later as the payment method.
3. It is clarified that, for the purposes of calculating the minimum purchase value of €1,450, only the value of the purchased products is taken into account, excluding any shipping costs or other additional charges.
4. In particular, new Customers must, in order to validly participate in the Campaign, download the Snappi application and successfully complete their registration in the Snappi application, i.e. successfully complete the Digital Onboarding process, which includes identification of the prospective Customers and fulfilment of all requirements applicable to them under Snappi’s General Terms and Conditions of Transactions, within the Campaign Period.
5. Within fifteen (15) business days from completion of the first purchase, within the Campaign Period, from the participating Public.gr online store with a value equal to or greater than €1,450, the Beneficiary will receive thirty euros (€30) as a reward in their Public Wallet, to be redeemed against future purchases, either at physical stores operating under the Public or Public home+ brand or through Public’s online store at public.gr (the “Snappi Pay Later €30 Offer Reward”), always in accordance with the applicable Public+ program terms and the restrictions and exclusions set out therein.
6. The Reward may be redeemed exclusively by the Holder either at Public and Public + home physical stores in Greece, by presenting or scanning their digital Public+ card at the store checkout, or for purchases through public.gr, provided that the member is logged into their online account.
7. The Reward will be credited provided that the Beneficiary does not fully cancel or fully withdraw from the sales agreement, in accordance with Law 2251/1994 (Articles 3e et seq.) and/or Public’s return policy.
8. In the event of withdrawal in accordance with the law, Public will refund the full purchase amount to the Customer and the Snappi Pay Later €30 Offer Reward will not be awarded.
9. The Snappi Pay Later €30 Offer Reward will also not be awarded in respect of any subsequent purchase by the Customer, even if the Customer otherwise meets the conditions of this Campaign, including where the Customer withdraws from the initial purchase and completes a new purchase within the Campaign Period.
10. If the Customer withdraws after the Snappi Pay Later €30 Offer Reward has already been awarded, Snappi reserves the right to recover the value of the Reward by debiting the Customer’s account by the corresponding amount. By participating in this Campaign, the Customer hereby authorizes Snappi accordingly.
11. In the event of partial withdrawal from the sales agreement, the Snappi Pay Later €30 Offer Reward will be awarded.
12. It is reiterated that the Reward will be credited to the Beneficiary’s Public Wallet; therefore, the Customer must also be a Public Wallet Holder.

C. DURATION

1. Participation in the Campaign is available from 23 September 2026 at 00:01 Greek time until 11 October 2026 at 23:59 Greek time (the “Campaign Period”).
2. Snappi reserves the right, but is under no obligation, to modify the Campaign Period following appropriate prior notification to Holders through its own and/or Public’s communication channels.
3. Beneficiaries may redeem their Rewards within six (6) months from their registration with Snappi and always in accordance with the applicable Public+ program terms and the restrictions and exclusions set out therein.
4. The expiry date of each Reward is determined exclusively by Public. Any Reward awarded to a Beneficiary and not redeemed by the end of its applicable validity period will be deactivated and may no longer be used, unless otherwise determined by Public.
5. Downloading the application and/or registering as a Snappi Customer before or after the Campaign Period, even if the full set of actions that Snappi may require as part of its identification / Know Your Customer process has not been completed, shall not make the Holder a Beneficiary and the Reward may not be awarded.

D. RESTRICTIONS

1. Participation in the Campaign requires and implies unconditional acceptance of all these Terms, as well as Snappi’s Privacy Policy and Website Terms of Use. Any participation that does not comply with these Terms shall be considered invalid.
2. Each participant has the right to participate once in the Campaign and may receive the Snappi Pay Later €30 Offer Reward only once.
3. Purchases made through the Public online store or Public and Public + home physical stores before the Campaign Period shall not count as participation in this Campaign.
4. Therefore, a person who has previously made purchases from Public before the Campaign Period may still participate in the current Campaign, provided all other Campaign Terms are met.
5. Similarly, if a person makes multiple purchases during the Campaign Period, they will be entitled to the Snappi Pay Later €30 Offer Reward only for the first purchase that meets the conditions of this Campaign.
6. This Campaign cannot be combined with the “Public & Snappi Pay Later Offer” promotional campaign offering twenty euros (€20). If the same purchase meets the eligibility requirements of both campaigns, the Customer shall be entitled exclusively to the Snappi Pay Later €30 Offer Reward and shall not additionally be entitled to the twenty-euro (€20) Reward under the other campaign.
7. It is clarified that persons who do not meet the above criteria are not eligible to participate in the Campaign and shall not qualify as Beneficiaries if any of the following applies:

• They have started Digital Onboarding but have not completed any required step as specified in Snappi’s General Terms and Conditions of Transactions, e.g. they have failed to provide a required supporting document.
• They are unable to complete their registration because they do not meet Snappi’s General Terms and Conditions of Transactions.
• They do not complete their Snappi registration within the Campaign Period.
• They do not successfully complete a purchase using Snappi Pay Later through Public’s online store during the Campaign Period.
• They make their purchase at Public using any other payment method, e.g. card payment, instead of Snappi Pay Later.
• They make their Public purchases before or after the Campaign Period.
• They make a purchase where the value of the purchased products, excluding any shipping costs or other additional charges, is less than fifty-nine euros (€59).
• They fully cancel or withdraw from the transaction in accordance with Section B.2 above.
• They have already participated in the Campaign.
• If the Customer requires further clarification, they may contact Snappi regarding participation in the Campaign, registration in the Snappi application (Digital Onboarding), use of the application and award of the Reward through:

1. Email: customer@snappibank.com
2. Telephone: 210 483 8000

E. RESTRICTIONS

1. Holders acknowledge that if they do not meet the General Terms and Conditions applicable to their registration as new Snappi Customers, in accordance with the applicable regulatory framework and the Snappi terms displayed in the Snappi application, they will not be able to complete registration in the digital application or may be required to contact Snappi and provide additional documentation.
2. Snappi reserves the right to reject registration applications during Digital Onboarding where the requirements of its General Terms and Conditions for registering new Customers are not met.
3. Snappi may also reject any participation at any stage, including at the stage of awarding the Reward, where the Holder does not meet all Campaign Terms, all of which are considered material.
4. Holders must complete any process required by Snappi as part of verification of their details and Know Your Customer procedures, including after completion of Digital Onboarding. Otherwise, Snappi and Public reserve the right not to award or to cancel the Reward.
5. Similarly, Snappi reserves the right, at its sole and unrestricted discretion, to accept or reject any Holder’s application to register as a Customer for any reason, for example where the Holder does not successfully complete Snappi’s identification and registration process, including verification of details, or where illegal or improper use of a Reward or information is identified or suspected.
6. In the event of unavailability, Snappi is entitled to offer alternative rewards selected by Snappi.
7. In the event of force majeure, security reasons or other circumstances outside Snappi’s control, Snappi may elect not to offer the Reward, in which case it shall be released from any liability and shall have no obligation to provide alternative rewards of any form or value.
8. The Reward is provided by Public, and Snappi shall bear no liability for any delay, failure to send or failure to award the Reward by Public to the extent that such delay or failure is exclusively attributable to Public.
9. Similarly, Snappi shall bear no liability where the Beneficiary has provided Public with incorrect contact details or loses the login credentials for their Public Wallet account that Public uses to award the Reward.
10. Public shall unilaterally determine the manner in which the Reward is awarded to Beneficiaries.
11. Snappi shall bear no liability whatsoever in relation to the validity, duration, expiry date, redemption or general use of the Rewards, which are governed exclusively by the Public+ program terms and conditions and are subject to the restrictions determined by Public.
12. Likewise, Public shall bear no liability whatsoever in connection with the registration process in the Snappi application or the creation of a new user account, nor shall it participate in any way in the process of evaluating the validity of participation or whether the conditions of this Campaign have been met.

F. PERSONAL DATA PROCESSING TERMS

1. This section contains information regarding the collection and processing of your personal data for the purposes of conducting the Campaign and enabling the Reward to be awarded.
2. Please also refer to our Privacy Policy, available on our website, which applies additionally to these Terms.
3. Recipients of your data shall be limited to Snappi’s authorized partners who assist in implementing the Campaign, e.g. cloud hosting providers, marketing providers and social media managers.
4. Snappi’s partners operate under contractual confidentiality and data protection obligations.
5. Your personal data will be processed exclusively for the purpose of performing and implementing the Campaign and guiding you towards obtaining the Reward.
6. Participants’ personal data will not be transferred outside the European Economic Area. Where a transfer outside the EEA occurs, it shall be carried out in accordance with Chapter V of the GDPR and subject to appropriate safeguards.
7. Snappi implements all appropriate technical and organizational measures required under applicable legislation to ensure an appropriate level of protection for participants’ personal data.
8. Snappi processes transaction data within the application and contact details it already holds regarding you as a Customer for the purposes of:
9. verifying completion of Snappi’s participation form;
10. generally verifying compliance with these Terms; and
11. providing information and communications in connection with the Campaign.
12. The legal basis for processing is performance of a contract.
13. Such data is processed exclusively for the above purposes and is not shared with third parties, with the express exception of Beneficiaries’ Public Wallet Code, which Snappi will provide to Public in order to enable the Reward to be awarded.
14. Participants’ personal data will be retained as follows: (a) Where participants gain access to the Snappi application and successfully complete their registration as Snappi Customers, their data will be retained in accordance with the Privacy Policy accepted by them 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 provided by interested persons through submission of the participation form in order to provide the necessary information concerning the steps required to register as Snappi Customers, and in any event no later than 30/09/2027.
15. Customers’ purchase data is retained in accordance with the above Privacy Policy for the entire duration of the contractual relationship and for at least twenty (20) years following its termination, in accordance with the applicable regulatory and supervisory obligations of the credit institution.
16. Snappi and Public act as independent Data Controllers in relation to the data maintained in their respective systems and exchange only the data strictly necessary to verify eligibility.
17. For the purposes of implementing this Campaign, Snappi is the Data Controller for the personal data submitted for the creation of a new bank account and for transaction data relating to transactions performed through Snappi.
18. Public is the Data Controller for personal data relating to participation in the Public+ program.
19. For further information regarding Public’s processing of personal data, please refer to the Public+ Terms and Conditions and Public’s Privacy Policy.
20. Each Customer has the right of access, information, rectification and objection to further processing of their personal data, as provided for under 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, the Hellenic Data Protection Authority (www.dpa.gr).
21. To exercise these rights, participants may contact Snappi at dpo@snappibank.com.

G. OTHER TERMS

1. Snappi reserves the right to unilaterally amend these Terms, shorten or extend the Campaign Period or withdraw the Campaign following prior announcement through any appropriate means, replace the Reward with another reward of equal value at its discretion, and generally amend any Campaign Term by publishing an announcement through www.snappibank.com.
2. Where considered appropriate, Customers will be informed by Snappi via email, SMS, Viber or any other communication channel selected by Snappi.
3. Snappi shall bear no liability in relation to any postponement or cancellation of the Campaign and/or any such amendments, which shall take effect as described above.
4. In all cases, Snappi reserves the right regarding whether or not to award the Reward to Beneficiaries in connection with any amendment to these Campaign Terms.
5. If a person does not wish to receive the Reward despite meeting the requirements of these Terms, they may withdraw from participation in the Campaign by sending an email to customer@snappibank.com with the subject: “Request to Withdraw from the ‘Public & Snappi Pay Later €30 Offer’ Campaign.”
6. In such case, their participation will not be taken into account.
7. Snappi shall bear no liability for incorrect or incomplete information entered by participants or where any participant does not meet the requirements for joining the Snappi application and becoming a Snappi Customer in accordance with the Digital Onboarding terms and conditions.
8. Snappi shall bear no liability whatsoever for: (i) disruptions to the participant’s network, hardware or software; and/or
   (ii) any malfunction of the application of any kind that may lead to limited, delayed or lost registration of participation or to any other issue or loss.
9. Snappi reserves the right at any time to exclude any participant who has submitted false or inaccurate entries or personal information.
10. If any provision is deemed invalid, such partial invalidity shall not result in the invalidity of the Terms as a whole.
11. These Campaign Terms, as applicable from time to time, are governed by Greek law.
12. Any dispute arising in connection with the interpretation or application of these Terms shall fall within the concurrent jurisdiction of the Courts of Athens (Central Seat) together with any other courts having jurisdiction under applicable law.