TERMS & CONDITIONS OF THE ACTIVITY

"Snappi BANK S.A." (Krystalli 7A, Ioannina, VAT number: 801858330, hereinafter: "Snappi'') as part of the Activity of its products and services, organizes the October Progressive Cashback promotional activity as described below ("Activity"), which is addressed to all new and existing customers of Snappi ("Customers"), in accordance with the following terms. Before taking part in the Activity, please read carefully these Terms of Participation ("Activity Terms"), which are also posted on the website https://www.snappibank.com/. If you do not accept the Activity Terms, you should not take part in the Activity.

A. ELIGIBILITY AND CONDITIONS FOR PARTICIPATION

Eligible to participate in the Activity are those persons who cumulatively meet the following criteria and complete the following steps within the Duration of the Activity (see also clause C.1 below) ("Beneficiaries"):

1. They are natural persons and have reached the age of 18.
2. They are tax residents of Greece and have full legal capacity.
3. They are already or become customers of Snappi (i.e. acquire a bank account) within the Duration of the Activity, i.e. they successfully and fully complete their registration (Digital Onboarding) in the Snappi application, which includes identification of the details of the prospective customers and the fulfillment in their person of all the conditions set out in Snappi's Terms and Conditions of Transactions. In the event that, for any reason, Snappi requests verification of the application user's details, a registration is considered complete only once the user has successfully completed all the required and/or additional identification and confirmation steps that may be requested by Snappi.
4. They carry out transactions with a Snappi Mastercard debit card (physical or digital) within the Duration of the Activity, with the exception of the following categories:

• Betting, including lottery tickets, casino chips, off-track betting and horse racing wagers
• Quasi Cash – Money Transfer / Money Orders
• Quasi Cash – Financial Institution – Merchandise and Services
• Mastercard Quasi Cash – Visa Merchant – Non-Financial Institutions
• POI Funding Transactions (excluding MoneySend)
• Insurance Sales and Underwriting
• Electrical Parts and Equipment (B2B Wholesale)
• Securities – Brokers and Dealers
• Paints, Varnishes and Supplies (B2B Wholesale)
• Direct Marketing – Inbound Telemarketing Merchants
• Government Services – Not Elsewhere Classified
• Professional Equipment – Not Elsewhere Classified (B2B Wholesale)
• Motor Vehicle Supplies and New Parts (B2B Wholesale)
• Quasi Cash – Member Financial Institution
• Chemicals and Allied Products – Not Elsewhere Classified (B2B Wholesale)
• Mail Order / Telephone Order
• Florists' Supplies, Nursery Stock and Flowers (B2B Wholesale)
• Political Organizations
• Collection Agencies
• Books, Periodicals and Newspapers (B2B Wholesale)
• Court Costs, Including Alimony and Child Support
• Industrial Supplies – Not Elsewhere Classified (B2B Wholesale)
• Massage Parlors
• Metal Service Centers and Offices (B2B Wholesale)
• Petroleum and Petroleum Products (B2B Wholesale)
• Men's, Women's and Children's Uniforms (B2B Wholesale)
• Motion Picture and Video Tape Production and Distribution (B2B Wholesale)
• Plumbing and Heating Equipment and Supplies (B2B Wholesale)
• Hardware, Plumbing and Heating Equipment and Supplies (B2B Wholesale)
• Membership Organizations – Not Elsewhere Classified
• Construction Materials – Not Elsewhere Classified (B2B Wholesale)
• Timeshares
• Employment Agencies and Temporary Help Services
• Precious Stones, Metals, Watches and Jewelry (B2B Wholesale)
• Tax Payments
• Information Retrieval Services (B2B Wholesale)
• Computer Maintenance, Repair and Services (B2B Wholesale)
• Textiles, Sewing Supplies and Other Dry Goods (B2B Wholesale)
• Specialty Cleaning, Polishing and Sanitation Preparations (B2B Wholesale)
• Durable Goods – Not Elsewhere Classified (B2B Wholesale)
• Consumer Credit Reporting Agencies
• U.S. Federal Government Agencies
• Typesetting, Plate Making and Related Services (B2B Wholesale)

It is clarified that persons who do not meet the above criteria, or who meet any one of the following criteria, do not have the right to participate in the Activity and do not constitute Beneficiaries:

• They have started the Digital Onboarding process without completing any of its steps as defined in Snappi's Terms and Conditions of Transactions (e.g. they have not provided a supporting document).
• They cannot complete their registration because they do not meet Snappi's Terms and Conditions of Transactions.
• They do not complete their registration with Snappi within the Duration of the Activity.
• They carry out their transactions in any other way (e.g. payment with pay later, money transfers, standing orders or cash withdrawals) instead of the physical or digital Snappi debit card.
• They carry out their transactions before or after the Duration of the Activity.
• They carry out a different category of transactions than those posted on Snappi's website.

Participation in the Activity presupposes and implies the unconditional acceptance of all these terms, even if they are amended in the future as mentioned below, as well as of the Privacy Policy and the Terms of Use of the website https://www.snappibank.com. Any entry that does not comply with these terms is considered invalid.

B. DESCRIPTION OF THE ACTIVITY & GIFT

Each customer who carries out Eligible Transactions with a Snappi Mastercard debit card within the Duration of the Activity (see Chapter C) is entitled to receive a credit (cashback) to their account in accordance with the following tiered system, which is based on the total number of Eligible Transactions the Customer has carried out within the Duration of the Activity ("Gift"):

Eligible Transaction Tiers:

• From 1 up to and including 20 transactions: 0.50% cashback
• From 21 up to and including 40 transactions: 0.75% cashback
• From 41 up to and including 70 transactions: 1.00% cashback
• From 71 up to and including 100 transactions: 1.50% cashback
• From 101 transactions and above: 2.00% cashback

The cashback rate applicable each day to each Customer is determined by the total number of Eligible Transactions the Customer has carried out before that day. The rate increases automatically as soon as the Customer exceeds the thresholds set out above. In other words, the more Eligible Transactions the Customer carries out, the higher the cashback rate they receive on their subsequent transactions.

"Eligible Transaction" means any settled purchase transaction with a Snappi Mastercard debit card of a minimum amount of two euros (€2) that does not fall under the excluded categories listed in Chapter A.

The Gift is calculated on a maximum daily value of Eligible Transactions of up to five hundred euros (€500) per Customer per calendar day of transaction, and the maximum credit amount per transaction day will be ten euros (€10). There is no monthly cap on cashback credits.

Example 1: A customer who is just starting out (0 previous Eligible Transactions) and spends €100 in one day on Eligible Transactions will receive 0.50% cashback, i.e. €0.50.

Example 2: A customer who has already completed 45 Eligible Transactions within the month and spends €200 in one day will receive 1.00% cashback (3rd tier, 41–70 transactions), i.e. €2.00.

Example 3: A customer who has already completed 105 Eligible Transactions within the month and spends €1,500 in one day will receive 2.00% cashback on the €500 cap, i.e. the maximum daily cashback amount of €10.00.

The Activity exclusively involves transactions carried out with the Snappi Mastercard debit card. Transactions that are not carried out by card (indicatively transfers, standing orders, cash withdrawals) do not constitute Eligible Transactions and are not counted towards the calculation or awarding of the Gift.

In addition, only certain categories of transactions, as referred to in Chapter A, participate in the Activity. Transactions outside these categories do not constitute Eligible Transactions and the Customer is not entitled to receive the Gift. Furthermore, transactions of less than two euros (€2) do not constitute Eligible Transactions.

The corresponding amount will be credited each day and will relate to the settled transactions of the previous day, to a bank account held by the Beneficiary with Snappi.

The Beneficiary may use the Gift at any time, in any transaction at their own discretion, provided that Snappi's Terms and Conditions of Transactions are met.

Snappi reserves the right to modify the process of awarding the Gift, informing Customers in a timely manner by amending these Terms or by sending a message (email, sms, viber).

If the Customer needs further clarification, they may contact Snappi on matters related to their participation in the Activity, registration in the Snappi application (Digital Onboarding), its use and the awarding of the Gift, at the following details: By email at: customer@snappibank.com. By phone at: 210 483 8000.

C. DURATION

Participation in the Activity is possible from October 2, 2026 (00:01 Greek time) until October 31, 2026 (23:59 Greek time) ("Activity Duration"). Snappi reserves the right, but is not obliged, to change the Duration of the Activity with prior due notice to Customers through an announcement on its own channels/media or through personal communication (e.g. sms/viber/email).

Snappi Mastercard debit card transactions carried out before or after the end of the Activity Duration will not count towards the calculation and awarding of the Gift to Customers, even if they fall under the categories of Eligible Transactions.

D. RESTRICTIONS

The amount of the Gift is calculated exclusively on the final, net value of the valid transactions, not taking into account any canceled or refunded transactions. In the event that, at any time, one or more of the transactions taken into account for the calculation of the Gift are cancelled or refunded or chargebacked, in whole or in part, or are found not to have complied with these Terms, Snappi reserves the right, at its discretion: (i) not to award the corresponding Gift, if it has not yet been credited; or (ii) recover, offset or recharge the amount of the Gift that has already been credited and corresponds to the cancelled, reversed or refunded value, even after the expiration of the Duration of the Activity.

It is clarified that the registration option provided through the Activity does not automatically make participants customers of Snappi. Participants agree that in case they do not meet the General Terms and Conditions of Transactions for their registration as a new Snappi customer in accordance with the applicable regulatory framework and the Snappi terms 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 the registration of a new customer, as in force from time to time, are not met, but also to reject any participation at any stage - even at the stage of the payment of the Gift, in case the candidate does not meet the Terms of the Activity in their entirety, all of which are considered essential. Participants must complete any process required by Snappi in the context of the identification of their details and the know your customer process, even after the completion of Digital Onboarding. Otherwise, Snappi reserves the right not to award or to cancel the Gift. Accordingly, Snappi reserves the right, in its free and uncontrolled discretion, to accept or reject any application for registration as a customer for any reason (e.g. if the participant does not successfully complete the identification and registration process in accordance with Snappi's procedure, e.g. verification of data), if illegal or non-contractual use of data is detected or suspected. Some eligibility and compliance checks may be performed by automated means, in accordance with applicable laws and Snappi's policies.

Snappi reserves the right to evaluate any Customer as a non-Beneficiary and not to award the Gift if illegal or non-contractual use of the Snappi application is detected or suspected or the customer does not comply with the Terms of Activity and/or the Terms and Conditions of Transactions of Snappi. Indicatively, Snappi reserves the right not to award the Gift, if it detects or reasonably suspects abusive, fraudulent, fictitious or non-contractual use of the Activity, indicatively through fictitious purchases, transactions that have as their sole or main purpose the acquisition of the Gift or other behavior contrary to these Terms. The same applies in the event of force majeure affecting Snappi.

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 will be exempt from any liability and will not be obliged to offer alternative Gifts of any form and value.

E. PERSONAL DATA PROCESSING TERMS

This section contains information about the collection of your personal data and their processing for the needs of conducting the Activity in order to facilitate the granting of the Gift. Please also refer to the Privacy Policy, which is posted on our website and which applies additionally to these terms.

Recipients of your data will be only Snappi's authorized partners, assisting in the implementation of the Activity (e.g. cloud hosting provider, marketing provider, social media manager, etc.). Snappi's partners act on the basis of contractual commitments of confidentiality and data protection. The processing of your personal data will be done exclusively for the purpose of executing and implementing the Activity and any guidance you may require to obtain the Gift. Your personal data is not transferred outside the European Economic Area. In the case of a transfer outside the EEA, this will be carried out in accordance with Chapter V GDPR and with appropriate safeguards. Snappi takes all appropriate technical and organizational measures, as required by applicable law, to ensure an appropriate level of protection for participants' personal data.

Snappi processes the in-app transaction data and the contact data it already holds about you as its customer for the purposes of: 1. Verifying the eligibility of your transactions for the purposes of the Activity, 2. Checking the fulfillment of these terms in general, and 3. the information and communication in the context of the Activity and the performance of the Gifts (Legal basis for processing: performance of a contract), exclusively for the above purposes. Snappi retains your transaction data in accordance with its Privacy Policy. The data related to your participation in the Activity and the performance of the Gift are kept in accordance with the above Policy (for the entire duration of our contractual relationship and for at least 20 years from its termination, in accordance with the applicable regulatory and supervisory obligations of the credit institution).

The identification and assessment process in the context of the banking relationship and Digital Onboarding may include automated checks for fraud prevention, compliance with KYC/AML obligations and transaction security, which are derived from the law, as presented in Snappi's Privacy Policy. In this context, the personal data of the participants in the event that the participants gain access to the Snappi application and successfully complete their registration as Snappi customers will be kept based on the Privacy Policy that they will have accepted upon completion of the Digital Onboarding.

The controller of the personal data you submit for the creation of a new bank account is Snappi.

Each Customer has the right to access, inform, correct, object to the further processing of his/her personal data, as provided for in the General Data Protection Regulation (Regulation EU 2016/679 and Law 4624/2019) as well as the right to appeal to the competent supervisory authority (Personal Data Protection Authority: dpa.gr). For the exercise of his/her rights, each participating person may contact Snappi, in the contact details dpo@snappibank.com.

Provided that you expressly consent to this, Snappi will send you news and updates based on your consent. At any time you can freely withdraw your consent to the processing for any of these purposes. If you choose to receive news and updates from Snappi, we will keep the data you have provided to us for this purpose until you withdraw your consent. Your personal data will not be shared with third parties, and the Controller will again be Snappi. To withdraw your consent, you can contact Snappi by email at dpo@snappibank.com.

F. MISCELLANEOUS TERMS

Snappi reserves the right to unilaterally change these terms, to shorten or extend the duration of the Activity or to revoke it with prior notice by any appropriate means, to replace the Gift at its discretion and in general to modify any term of the Activity by notice through https://www.snappibank.com/ website. If this is deemed more appropriate, Customers will be informed by Snappi, via email, sms or viber, or through the channels of its choice. Snappi is exempt from any liability regarding the postponement or cancellation of the Activity.

If a person wishes not to receive the Gift, despite the fulfilment of the conditions of these Terms, he/she can send a message to customer@snappibank.com address from his/her participation in the Activity with the subject "Request for Withdrawal from the October Progressive Cashback Activity". In this case, his participation will not be taken into account.

Snappi shall not be liable in any way for (i) disruptions in the network, hardware and software of the participant and/or for malfunction of the application of any nature that may result in limited, delayed or lost registration of the entry or any other problem or damage.

Snappi reserves the right at any time to exclude any participant who has submitted false or inaccurate entries or personal information.

In the event that any term is found to be invalid, such partial invalidity does not result in the invalidity of all the Terms.

The Activity Terms, as in force from time to time, shall be governed by Greek law. For any dispute arising in relation to the interpretation or application of these terms, the Courts of Athens (Central Seat) shall have concurrent jurisdiction with any other courts competent under applicable law.