TERMS & CONDITIONS OF ACTIVITY

“Snappi BANK S.A.” (7A Krystalli Street, Ioannina, Tax Registration No.: 801858330, hereinafter “Snappi”), in the context of promoting its products and services, organizes the promotional Activity “Summer Boosted Cashback 10%” as described below (the “Activity”), in cooperation with the following partner companies: 

• KOINOPRAXIA BLUE STAR FERRIES N.A.E. & SIA 
• CRETAN AVIATION OPERATIONS AVIATION AND COMMERCIAL SOCIETE ANONYME 
• CORAL ANONYMOS ETAIREIA PETRELAIOEIDON KAI CHIMIKON PROIONTON 
• NEA ODOS ANONYMI ETAIREIA PARACHORISIS 
• AUTOKINITODROMOS KENTRIKIS ELLADAS ANONYMI ETAIREIA PARACHORISIS 

(hereinafter collectively the “Partner Companies”), which is addressed to new and existing Snappi customers (the “Customers”), in accordance with the following terms. Before participating in the Activity, please read these Terms of Participation carefully (the “Activity Terms”), which are also posted on the website of Snappi: 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

The right to participate in the Activity is granted to persons who cumulatively meet the following criteria and complete the following steps within the Activity Duration (see also Clause C.1 below) (the “Beneficiaries”): 

1. they are natural persons and have reached 18 years of age; 
2. they are tax residents of Greece and have full legal capacity; 
3. they are already or become Snappi customers (i.e. open a bank account) within the Activity Duration, namely they successfully and fully complete their registration (Digital Onboarding) in the Snappi application, which includes verification of the prospective customers’ details and fulfilment of all conditions set out in Snappi’s Terms and Conditions of Transactions. If, for any reason, verification of the applicant’s details is requested by Snappi, registration shall be deemed completed only where the user has successfully completed all required and/or additional identification and verification steps that may be requested by Snappi; 
4. Within the Activity Duration, they carry out purchases using any snappi debit card at one or more of the following Partner Companies within the Snappi network, specifically at one or more of the following: 

• through the Sky Express online website - https://www.skyexpress.gr. 
• Through the online websites of Nea Odos (https://www.fastpass.gr/) and Kentriki Odos (https://www.kentrikipass.gr/) and all physical toll stations on the Nea Odos and Kentriki Odos highways. 
• Via the websites of Blue Star Ferries (www.bluestarferries.com), Anek Lines (www.anek.gr), Hellenic Seaways (www.hsw.gr), and Superfast Ferries (www.superfast.com), or through the Seamore App.
• At all onboard bars, self-service and à la carte restaurants, and boutiques available on Attica Group vessels. This applies to the following ships: BLUE STAR 1, BLUE STAR 2, BLUE STAR PAROS, BLUE STAR NAXOS, BLUE STAR PATMOS, BLUE STAR DELOS, BLUE STAR CHIOS, DIAGORAS, ELYROS, SUPERFAST I, SUPERFAST II, SUPERFAST III, SUPERFAST IV, SUPERFAST XI, ASTERION II, NISSOS RODOS, NISSOS SAMOS, BLUE STAR MYKONOS, BLUE STAR CHIOS, ARIADNE, HELLENIC HIGH SPEED, ARTEMIS, KISSAMOS, and LEFKA ORI.
• At any gas station in Shell’s privately owned network of gas stations, as listed on the Snappi website. 

It is clarified that individuals 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: 

1. have started the Digital Onboarding process without completing any of its steps as specified in Snappi’s Terms and Conditions of Transactions (e.g., they have not submitted any supporting documents) 
2. They are unable to complete their registration because they do not meet Snappi’s Terms and Conditions of Transactions. 
3. Do not complete their registration with Snappi within the Duration of the Activity 
4. Make their purchases using any other method (e.g., "pay later") instead of a Snappi debit card 
5. Make their purchases at the Partner Companies before or after the Duration of the Activity 
6. Each Customer is entitled to receive the Gift only once during the Activity Period. 
7. Participation in the Activity presupposes and entails unconditional acceptance of all these terms, even if amended in the future as provided below, as well as of the Privacy Policy and Terms of Use of the website of Snappi: https://www.snappibank.com. Any participation that does not comply with these terms shall be deemed invalid. 

Β. DESCRIPTION OF THEACTIVITY& GIFT 

1. Each Customer who carries out purchases during the Duration of the Activity at any of the Partner Companies shall be entitled to receive in their account a credit equal to ten percent (10%) of the total value of such purchases (the “Gift”), up to a maximum credit amount of twenty euros (€20), i.e. for purchases of up to two hundred euros (€200) in total. For example, if a Customer spends €70 at Sky Express, €30 at the tolls of Nea Odos or Kentriki Odos, €50 at Shell and €50 at Attica Group (total: €200), they will receive cashback of a total value of €20 in their account. If they spend less, e.g. €120 in total with the Partner Companies, they will receive a credit of €12. 
2. Within five (5) days from the end of the Duration of the Activity, Snappi will credit the amount corresponding to 10% of the Customer’s total purchases made during the Activity Duration (up to a maximum of €20) to a bank account held by the Beneficiary with Snappi. The Beneficiary may use the Gift at any time, in any transaction of their choice, subject always to Snappi’s Terms and Conditions of Transactions. 
3. Snappi reserves the right to amend the Gift allocation process, informing Customers in a timely manner through amendment of these Terms or by message (email, SMS, Viber). 
4. If a Customer requires any further clarification, they may contact Snappi regarding issues related to their participation in the Activity, registration in the Snappi application (Digital Onboarding), use thereof and the granting of the Gift, as follows: 

By email: customer@snappibank.com 

By telephone: +30 210 483 8000 

C. DURATION

1. Participation in the Activity is possible from 09 June 2026 (00:01 Greece time) until 31 July 2026 (23:59 Greece time) (the “Activity Duration”). Snappi reserves the right, but not the obligation, to amend the Activity Duration, subject to prior appropriate notice to Customers through announcements on its channels/media. 
2. Purchases made using a Snappi debit card before the start or after the expiry of the Activity Duration shall not be taken into account for the calculation and granting of the Gift. 

D. RESTRICTIONS

1. It is clarified that the possibility of registration through the Activity does not automatically render Customers customers of Snappi. Customers accept that, if they do not satisfy the General Terms and Conditions of Transactions for their registration as new customers of Snappi in accordance with 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 applicable to the registration of new customers are not met, as in force from time to time, and also to reject any participation at any stage — including at the stage of granting the Gift — if the Customer does not fully comply with the Activity Terms, all of which are deemed material. Customers are required to complete any process required by Snappi in the context of verifying their details and the know-your-customer process, even after completion of the Digital Onboarding. Otherwise, Snappi reserves the right not to grant or to cancel the Gift. Likewise, Snappi reserves the right, at its sole and absolute discretion, to accept or reject any Customer’s application for registration as a customer for any reason whatsoever (e.g. if they do not successfully complete the identification and registration process in accordance with Snappi’s procedure, such as verification of details), or if unlawful or non-contractual use of the Gift or of data is detected or suspected. Certain eligibility and compliance checks may be conducted using automated means, in accordance with applicable law and Snappi’s policies. 
2. Snappi reserves the right to determine that any Customer is not a Beneficiary and not to grant the Gift for any reason (e.g. if information required for the successful completion of the identification and registration process remains outstanding e.g. data verification), if unlawful or non-contractual use of the Snappi application is detected or suspected, or if the Customer does not comply with the Activity Terms and/or Snappi’s Terms and Conditions of Transactions. The same shall apply in the event of force majeure affecting Snappi. 
3. In any case, Snappi shall be entitled to offer alternative gifts selected by Snappi itself. In the event of force majeure, security reasons or other circumstances beyond Snappi’s control, Snappi may and shall be 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 kind or value. 

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 Activity in order to facilitate the granting of the Gift. Please also refer to Snappi’s Privacy Policy posted on its website, which applies additionally to these terms. 
2. Recipients of your data shall only be 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 are bound by contractual confidentiality and data protection obligations.  Your personal data will be processed exclusively for the purpose of execution and implementation of the Activity and to guide you in obtaining the Gift. The personal data of participants will not be transferred outside the European Economic Area. In the event of a transfer outside the EEA, it will be carried out in accordance with Chapter V of the GDPR and with appropriate safeguards. Snappi takes all appropriate technical and organizational measures, as required by applicable law, in order to ensure an appropriate level of protection for participants’ personal data. 
3. Snappi processes transaction data within the application and contact details it already holds about you as its customer for the purposes of: (1) verifying of the eligibility of your transactions for the purposes of the Activity (2) verifying in general the compliance with these terms and (3) providing information and communication in the context of the Activity (Legal basis for processing: performance of a contract). 
4. The identification and assessment process in the context of the banking relationship and Digital Onboarding may include automated checks for the purposes of fraud prevention, compliance with KYC/AML obligations, and transaction security, as required by law, as outlined in Snappi’s Privacy Policy. In this context, the personal data of participating persons, in the event that participants gain access to the Snappi application and successfully complete their registration as Snappi customers, shall be retained in accordance with the Privacy Policy, which they will have accepted upon completion of Digital Onboarding. 
5. Snappi retains your transaction data in accordance with its Privacy Policy. Data related to your participation in the Activity and the granting of the Gift are retained in accordance with that Policy (for the entire duration of our contractual relationship and for at least 20 years following its termination, in accordance with the credit institution’s applicable regulatory and supervisory obligations). 
6. Snappi is the data controller of the personal data for the creation of a new bank account. 
7. Each Customer has the right of access, information, rectification and objection to the further processing of their personal data, as provided under the General Data Protection Regulation (Regulation (EU) 2016/679 and Law 4624/2019), as well as the right to lodge a complaint with the competent supervisory authority (Hellenic Data Protection Authority: www.dpa.gr). In order to exercise their rights, each participating person may contact Snappi at: dpo@snappibank.com. 
8. Provided that you expressly consent thereto, Snappi will send you news and updates based on your consent. You may freely withdraw your consent at any time in relation to processing for any of these purposes. If you choose to receive news and updates from Snappi, Snappi will retain the data you have provided for this purpose until withdrawal of your consent. To withdraw your consent, you may contact Snappi by email at dpo@snappibank.com. 

F. MISCELLANEOUS TERMS

1. Snappi reserves the right to unilaterally amend these terms, shorten or extend the duration of the Activity or revoke it by prior announcement through any appropriate means, replace the Gift with others of equal value at its discretion, and generally amend any term of the Activity by announcement via the website of Snappi. Where deemed more appropriate, Customers will be informed by Snappi through email, SMS or Viber message, or through channels of its choice. Snappi shall be released from any liability in relation to the postponement or cancellation of the Activity and/or the above amendments thereto, which shall apply as set out above, and in any event reserves the right as to whether or not to grant the Gift to Beneficiaries. 
2. If any person wishes not to receive the Gift, despite fulfilling the conditions of these Terms, they may send a message to customer@snappibank.com with the subject line: “Request for Withdrawal from the Snappi Summer Boosted Cashback 10% Activity”. In such case, their participation will be cancelled. 
3. Snappi shall not be liable in any way for (1) any network, hardware or software disruption of the participant and/or any malfunction of the application of any kind that may result in limited, delayed or lost participation or in any other issue or damage. 
4. Snappi reserves the right at any time to exclude any participant who has submitted false or inaccurate entries or personal data. 
5. If any provision is held invalid, such partial invalidity shall not affect the validity of the Activity Terms as a whole. 
6. The Activity Terms, as in force from time to time, shall be governed by Greek law. Any dispute arising in relation to the interpretation or application of these terms shall fall within the jurisdiction of the Courts of Athens, in addition to any other courts competent under applicable law.