TERMS & CONDITIONS OF THE ACTIVITY

Snappi BANK S.A. (7A Krystallli Street, Ioannina, Tax Identification Number (TIN): 801858330, hereinafter: “Snappi”), in the context of promoting its products and services, is organizing the promotional welcome reward campaign described below (the “Campaign”), which is addressed to new users of a Snappi bank account, in accordance with the following terms. Before participating in the Campaign, please read these Participation Terms (the “Campaign Terms”) carefully, which are also posted on the website page www.snappibank.com/el/gbl. If you do not accept the Campaign Terms, you should not participate in the Campaign.

Α. RIGHT AND CONDITIONS OF PARTICIPATION

Persons who cumulatively meet the following criteria and complete the steps below (the “Beneficiaries”) are entitled to participate in the Campaign: 

• are natural persons who have reached the age of 18;
• are tax residents of Greece and have full legal capacity;
• complete their details (full name, mobile phone number, email) in the special Snappi participation form available at www.snappibank.com/el/gbl;
• download the Snappi application;
• successfully complete registration in the Snappi application (i.e. successfully complete the Digital Onboarding process, which includes verification of the details of prospective customers and fulfilment by them of all requirements set out in the Snappi Terms and Conditions of Transactions) and successfully make three transactions within the Campaign Duration;
• have not already completed the participation form for a parallel Snappi promotional campaign (e.g. “Vodafone CU”, “AB PLUS”, “Public”, “Welcome Offer”, “ΟΑΣΑ”, “Shell”, “Sky Express”, “Free Now”, etc.) and have not already participated in the Campaign. If the user has completed the participation form for a parallel promotional campaign, they shall be entitled only to the gift of the campaign in which they participated first.
• It is clarified that persons who do not meet the above criteria or meet any one of the following alternative criteria are not entitled to participate in the Campaign and do not constitute Beneficiaries:
• are already customers of Snappi, i.e. have obtained, up to and including the date of their registration, any Snappi product or service (with the exception of Youth Pass) (i.e. have completed registration / Digital Onboarding);
• have started the Digital Onboarding process without completing any of its steps as defined in the Snappi Terms and Conditions of Transactions (e.g. have not provided a required supporting document). If a person has obtained Youthpass through Snappi, they must complete the full Digital Onboarding process, appropriately verifying their details, as described above and in accordance with the Snappi Terms and Conditions of Transactions, in order to become a Beneficiary;
• are unable to complete their registration because they do not meet the Snappi Terms and Conditions of Transactions;
• do not complete their registration with Snappi within the Campaign Duration (see term C.1);
• have not completed the Snappi participation form within the Campaign Duration. It is clarified that completion of the participation form is not required to precede Digital Onboarding and the making of purchases;
• have already participated in the Campaign;
• have completed their details in another participation form for a parallel promotional campaign before completing the present participation form and completing the steps in accordance with these terms (e.g. Vodafone CU, AB PLUS, Public, Welcome Offer, Shell, Sky Express, ΟΑΣΑ, Free Now, etc.). In this case, the user may be entitled to the gift of the parallel promotional campaign in which they have submitted their details, provided that the terms of that campaign are fulfilled;
• Participation in the Campaign presupposes and entails the unconditional acceptance of all these terms, even if they are amended in the future, as stated below, as well as the Privacy Policy and the Terms of Use of the website https://www.snappibank.com.
• Each person is entitled to receive the Gift only once.
• Any participation that does not comply with these terms shall be deemed invalid.  

Β. DESCRIPTION OF THE CAMPAIGN & GIFT

1. The Beneficiary shall receive, within ten (10) business days from completion of the participation form, an amount of twenty-five euros (€25) (the “Gift”), which may be used for transactions of their choice, in accordance with the Snappi Terms and Conditions of Transactions.
2. To obtain the Gift, the user must access the specially designed Snappi website (landing page) and complete the participation form with their personal details (full name, telephone number, email), whereupon they will also receive further instructions to download the Snappi application from the App Store or Google Play (depending on the type of their device) and complete their registration. After opening their Snappi account, they must successfully make three (3) payment transactions of minimum 5euros each to be considered as eligible to receive the Gift.
3. In order for the Gift to be awarded and for their participation in the Campaign to be valid, the user must accept these Campaign Terms. Failure to accept the Terms will not allow the user to proceed with registration in the participation form and, consequently, to participate in the Campaign.
4. The user must complete the participation form and complete their registration, i.e. open their bank account as a Snappi customer, within the Campaign Duration, in accordance with the above, or within any time periods communicated from time to time – otherwise they shall not constitute a Beneficiary of the Gift.
5. Snappi reserves the right to modify the mechanism for activating and awarding the Gift, informing users in a timely manner by amending these Terms or by message (email, SMS, Viber) sent by Snappi.
6. Each user may receive the Gift only once, which is addressed individually to the respective Beneficiary.
7. If a user requires further clarification, they should contact Snappi exclusively for matters relating to registration in the participation form for the Campaign and/or registration in the Snappi application (Digital Onboarding) at the following contact details:By email at: customer@snappibank.com, By telephone at: 210 483 8000.
8. In the event of inability, for any reason whatsoever, to receive the Gift, Snappi shall bear no responsibility for replacement, cancellation, reissue or any other remedy for the loss, and no claim may be brought against Snappi on this account.
9. It is clarified that, in parallel with this Promotional Campaign, other promotional campaigns of Snappi are taking place in cooperation with third-party partners (indicatively, e.g. Vodafone CU, AB PLUS, Public, Welcome Offer, Shell, Sky Express, ΟΑΣΑ, Free Now, etc.) (“parallel promotional campaigns”). If a user attempts to register simultaneously in a parallel promotional campaign and in this Promotional Campaign, on the same calendar day or at a later time, their participation in this Campaign will not be technically possible – i.e. they will be entitled exclusively to receive the Gift of the parallel promotional campaign and will not receive the Gift of this Promotional Campaign. If, despite the above technical restrictions, it becomes possible for a user to register in two of the above campaigns at different times/dates, they shall be entitled exclusively to the gift corresponding to the promotional campaign in which they declared participation earlier chronologically, while the later gift shall not be awarded. In any event, the user shall not be entitled to the gift of more than one promotional campaign. 

C. DURATION

1. Users participating in the Campaign must complete the participation form and complete their registration (including the Digital Onboarding process) within the Campaign Duration, i.e. during the period from 15.10.2026 (00:01 Greece time) to 15.06.2027 (23:59 Greece time) (the “Campaign Duration”). Snappi reserves the right, but shall not be obliged, to change the Campaign Duration by providing prior appropriate notice to users through an announcement on its channels/media.
2. Downloading the application and/or registering the user as a Snappi customer (even if the entirety of the actions that Snappi may require as part of the identification/know your customer process has not been completed) or carrying out the mandatory transactions specified above before or after the Campaign Duration shall not make the user a Beneficiary and the Gift shall not be awarded to them. 

D. RESTRICTIONS

1. It is clarified that the registration facility provided through the Campaign does not automatically make users customers of Snappi. Users acknowledge that, if 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 in order to provide any additional documents. Snappi reserves the right to reject registration applications during Digital Onboarding if the General Terms and Conditions of Transactions it has established for the registration of a new customer are not met, as well as to reject any participation at any stage – even at the stage of awarding the Gift – if the user does not meet the Campaign Terms in their entirety, all of which are deemed material. Users must complete any procedure required by Snappi in the context of verifying their details and the know your customer process, 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 free and unfettered discretion, to accept or reject any user’s application for registration as a customer for any reason (e.g. where they do not successfully complete the identification and registration process in accordance with Snappi’s procedure, e.g. verification of details), or where illegal or non-contractual use of the Gift or details is detected or suspected.
2. 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 form or value. 

E. TERMS OF PROCESSING OF PERSONAL DATA

1. This section contains information regarding the collection of your personal data and its processing for the purposes of conducting the Campaign. Please also refer to Snappi’s Privacy Policy, which is posted on our website and applies supplementarily to these terms.
2. Snappi processes the data you have provided when submitting the specially designed Campaign participation form, as well as transactions carried out by users, for the purposes of: 1. guiding you regarding your participation in the Campaign and obtaining and registering in the Snappi application; 2. verifying the eligibility of your transactions for fulfilment of the participation requirements of the Campaign and awarding of the Gift; and 3. providing information and communication in the context of the Campaign (Legal basis for processing: performance of a contract). 4. fraud prevention and AML/KYC purposes (Legal basis for processing: legal obligation). 5. Marketing purposes (Legal basis for processing: consent).
3. Snappi processes the data submitted directly by users through the special website (participation form) designed for the purposes of the Campaign exclusively for the above purposes and such data are not disclosed to unauthorised third parties other than necessary service providers.
4. The personal data of participating persons shall be retained as follows: (a) where participants gain access to the Snappi application and successfully complete their registration as Snappi customers, their data shall be retained on the basis of Snappi’s Privacy Policy, which they will have accepted by completing Digital Onboarding; (b) where completion of Digital Onboarding, for any reason, does not take place before the expiry of the Campaign Duration, Snappi shall retain the data of the Members provided through submission of the Campaign participation form in order to provide the required updates regarding the actions necessary for their registration as Snappi customers, and no later than 31/12/2027. Users’ purchase data shall be retained 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).
5. Users act as independent Data Controllers for the data they retain in their systems and exchange only the data strictly necessary for verification of eligibility. For the purposes of implementing this Campaign, the Data Controller of the personal data you submit through the special participation form, as well as the data you submit for the creation of a new bank account, is Snappi.
6. Each user 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 (Hellenic Data Protection Authority: www.dpa.gr). To exercise their rights, each participating person may contact Snappi at dpo@snappibank.com.
7. Where you expressly consent to this, 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 Snappi news and updates, we will retain the data you have provided through the Campaign participation form for the purpose of sending Snappi news and updates until withdrawal of your consent. To withdraw your consent, you may contact Snappi by email at dpo@snappibank.com. 

F. OTHER TERMS

1. Snappi reserves the right to unilaterally amend these terms, shorten or extend the duration of the Campaign or withdraw it by prior announcement through any appropriate means, replace the Gift with others at its discretion and, in general, amend any Campaign term by announcement through the website https://www.snappibank.com/. Where deemed more appropriate, users will be informed by email, SMS or Viber message. Snappi shall be released from any liability regarding the postponement, cancellation or amendment of the Campaign, which shall take effect as provided above and, in any event, Snappi reserves the right as to whether or not to award the Gift to Beneficiaries where their registration is completed before the postponement or cancellation of the Campaign or before any amendment of these Campaign Terms for any reason.
2. If a person wishes to withdraw their participation in the Campaign, they may send a message to customer@snappibank.com with the subject “Request for Withdrawal from the Snappi x Gen Hub Summit 2026 Campaign”. In this case, their participation will be cancelled and their personal data will be deleted unless their further retention is required by law or regulatory obligations.
3. Snappi shall bear no liability in the event of an incorrect entry or incomplete details submitted by participants or in the event that any participant does not meet the requirements to be admitted to the Snappi application in order to become a Snappi customer in accordance with the Digital Onboarding terms and conditions.
4. Snappi shall not be liable in any way for (i) disruptions to the network, hardware and software of the participating person and/or malfunction of the application of any nature that may result in limited, delayed or lost registration of participation or any other problem or damage.
5. Snappi reserves the right at any time to exclude any participating person who has submitted false or inaccurate entries or personal information.
6. In the event that any term is deemed invalid, such partial invalidity shall not result in the invalidity of the Terms as a whole.
7. The Campaign Terms, as applicable from time to time, shall be governed by Greek law. For any dispute that may arise regarding the interpretation or application of the above terms, the Courts of Athens (Central Seat) shall have concurrent jurisdiction with the other courts having jurisdiction in each case pursuant to law.