TERMS & CONDITIONS OF THE ACTIVITY

"Snappi BANK S.A." (Krystalli 7A, Ioannina, VAT number: 801858330, hereinafter: " Snappi") in the context of promoting its products and services, organizes the promotional activity Snappi Cashback 10% & SKY Express & Mastercard Priceless Experience as described below ("the Activity") in collaboration with MASTERCARD EUROPE GREECE SINGLE MEMBER S.A. (112a Vasilissis Sofias Avenue, Athens, 11527, VAT Number: 801409801, "Mastercard") ) and KRITIKES AEROTIKES EFKELEFSEIS AIRLINE AND COMMERCIAL SOCIETE ANONYME (Heraklion State Airport, Heraklion, 71601, VAT Number: 999082370 "Skyexpress") (hereinafter referred to as "Partner Companies") and which is addressed to new and existing Snappi customers ("Customers"), in accordance with the following terms. Before participating in the Activity, please read carefully these Terms of Participation ("the Activity Terms"), which are also posted on the website Mastercard x SKY | Snappi – Your new bank. If you do not accept the Activity Terms, you should not take part in the Activity.

A. ELIGIBILITY AND CONDITIONS OF PARTICIPATION

1. 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"):
   • They are natural persons and have reached the age of 18
   • They are tax residents of Greece and have full legal capacity
   • 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;
   • Make purchases with a Snappi Mastercard debit card through the Sky Express online website (https://www.skyexpress.com) throughout its network of destinations during the Duration of the Activity
2. It is clarified that those persons who do not meet the above criteria or who meet any of the following criteria alternatively do not have the right to participate in the Activity and are not considered 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 any supporting documents)
   • They cannot complete their registration because they do not meet the Snappi Terms and Conditions of Transactions
   • They do not complete their registration with Snappi within the Duration of the Activity
   • They make their purchases in any other way (e.g. pay later) instead of Snappi Mastercard
   • They make purchases on the Sky Express website before or after the Duration of the Activity
3. Each Customer is entitled to receive the Cashback Gift only once during the Activity and is entitled to only one participation in the Contest (see also B.3 below).

Participation in Activity presupposes and entails the unconditional acceptance of all these terms even if they are amended in the future, as mentioned below, as well as 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 ACTIVITY & GIFT

1. Each customer who makes purchases within the Duration of the Activity on the Sky Express website, is entitled to receive a credit to his account of ten percent (10%) of the total value of the purchases ("Cashback Gift"), with a maximum credit amount of twenty euros (€20),e. on a maximum purchase value of up to two hundred euros (€200). For example, if a customer spends €150 on Sky Express during the month, they will receive cashback of a total value of €15 to their account. If they spend less, e.g. €70, they will receive a credit of €7. If they spend more, e.g. €250, they will receive a credit of €20.
2. Within 10 working days from the end of the Activity Period, the amount corresponding to 10% of the customer's total purchases made within the Activity Period (up to a maximum of €20) will be credited by Snappi to a bank account held by the Beneficiary with Snappi. The Beneficiary may use the Cashback Gift at any time, in any transaction of its sole discretion, provided that Snappi's Terms and Conditions of Transactions are met.
3. In addition, the Activity Beneficiaries will automatically participate into a Contest ("Contest") to select three (3) winners, who will each win a Mastercard Priceless experience in Prague, Czech Republic, for themselves and one (1) companion of their choice, lasting three (3) days / two (2) nights. The experience includes accommodation in a selected luxury hotel, private transfers from/to the airport and during the program, driver/guide services, selected cultural and gastronomic experiences, private cruise, specific meals/tests, and entrance fees, according to the final program to be communicated to the Winner. The experience is available on selected dates from October 1, 2026 to June 30, 2027, excluding the period December 18, 2026 to January 3, 2027, subject to availability and timely booking at least thirty (30) days prior to the desired travel date ("Contest Gift").
4. The draw for the Winner will take place on October 5, 2026.
5. The Contest Gift will be sent by Snappi to the Winner in the email provided when registering on the Snappi app.
6. The Contest Gift must be used exclusively within its validity period, i.e. until the summer of 2027, and in any case in accordance with the specific terms, availability and restrictions set by the experience provider. If the Winner does not use the Contest Gift within the above period of validity, their right to the Contest Gift shall be extinguished and automatically forfeited, without the possibility of alternative provision, compensation or replacement in cash or in kind. The Contest Gift is personal, addressed to the Winner and the third party chosen by the Winner as the second person, cannot be transferred or exchanged for money or any other gift.
7. The purchase of air tickets through the Sky Express website is governed exclusively by the applicable Sky Express Conditions of Carriage, the terms of the applicable fare, as well as its applicable policies regarding cancellations, changes, refunds and any other applicable terms or policies governing the air carriage contract. Participation in this Activity does not modify, restrict, suspend or affect in any way the above rights and obligations of passengers and Sky Express, nor does it confer additional rights or benefits beyond those expressly provided for in these Terms. In the event of a conflict or inconsistency between these Terms and the Conditions of Carriage or other applicable Sky Express conditions governing the purchase and performance of air carriage, the latter shall prevail, in so far as they relate to the booking, issue, change, cancellation and performance of the carriage.
8. For the avoidance of any doubt, it is clarified that:
   1. each Customer is entitled to receive the Cashback Gift only once (i.e. they acquire the right to one (1) participation in the Contest, regardless of the amount spent on Skyexpress).
   2. In addition, each Beneficiary is entitled to only one (1) participation in the Contest and is entitled to be named Winner only once (1).
   3. Snappi reserves the right to modify the process of awarding the Gifts, informing the Customers in a timely manner by amending these Terms or by sending a message (email, sms, vibe).
   4. Sky Express does not check the eligibility of participants or decide on the performance of Cashback or participation in the Contest.
9. In case the Customer needs further clarification, they may contact Snappi
   -for issues related to their participation in the Activity and the Contest, registration in the Snappi application (Digital Onboarding), its use and the attribution of the Cashback Gift to the following information: By email at: customer@snappibank.com and By phone at: 210 483 8000.
   -For issues related to the use of the Contest Gift, at the Avant Garde Prague travel agency to Pavel Forman , at the details: by email at: pavel@avantgardeprague.cz and by phone at +420 605 229 162 or to Jan Zachariáš, at the details: by email at: zacharias@avantgardeprague.cz and by phone at +420 723 687 488.

* Communication with the above persons is carried out exclusively in the English language, as these persons do not provide support in the Greek language.

C. DURATION

1. Participation in the Activity is possible from 05 August 2026 (00:01 Greek time) until 30 September 2026 (23:59 Greek time) ("Activity Duration"). Snappi reserves the right, but bears no obligation, to change the Duration of the Activity with prior appropriate notice to the Customers through an announcement on its channels/media.
2. Purchases made with a Snappi Mastercard debit card before or after the end of the Activity Period are not counted for the calculation and attribution of the Gift to the Customers nor for the participation in the Contest.
   
   

D. RESTRICTIONS

1. The amount of the Cashback Gift is calculated exclusively on the final, net value of the qualifying purchases, excluding any cancelled or refunded transactions. In the event that, at any time, one or more of the transactions taken into account for the calculation of the Cashback Gift are cancelled or refunded or disputed/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 return the corresponding Cashback Gift; if it has not yet been credited, or (ii) recover, offset or recharge the amount of the Cashback Gift that has already been credited and corresponds to the cancelled, reversed or refunded value, even after the end of the Activity Duration.
2. It is clarified that the possibility of registration through the Activity does not automatically make participants a Snappi customer. The participants accept 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 that appear in the Snappi application, 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 requests 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 awarding the Gift, in case the participant 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 return or cancel the Gifts. Accordingly, Snappi reserves the right, in its sole and uncontrolled discretion, to accept or reject any application for registration as a customer for any reason (e.g., if the participant fails to successfully complete the identification and registration process in accordance with Snappi's process, e.g., verification of data), if illegal or unconventional use of data is detected or suspected. Some eligibility and compliance checks may be performed by automated means, in accordance with applicable law and Snappi's policies.
3. Snappi reserves the right to evaluate any participant as a non-Beneficiary and not to award the Gift for any reason whatsoever (e.g. if there is pending information for the successful completion of the identification and registration process in accordance with the Snappi process, e.g. verification of details), 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. The same applies in the case of Snappi's existence of force majeure.
4. In the event of force majeure, security reasons or other circumstances beyond Snappi's control, Snappi may and is entitled NOT to offer the Gifts, in which case it will be exempt from any liability and will not be obliged to offer alternative Gifts of any form and value.
5. Sky Express is not responsible for any delay or inability to perform its obligations due to force majeure incidents, government measures, strikes, air traffic restrictions, extreme weather events, cyber-attacks or other circumstances beyond its reasonable control.
6. Sky Express is responsible for the provision of its air services in accordance with its applicable conditions of carriage and applicable legislation. Sky Express is not responsible for the organisation, management, execution or delivery of the Cashback, the conduct of the Contest, the selection of Winners or the dispatch of the Gifts, while Sky Express shall not be liable for any technical malfunctions of the Snappi application, the Mastercard payment service or any third party payment provider.
7. For the purposes of the Activity, only transactions that have been successfully approved and cleared are taken into account. Sky Express is not responsible for failure to register a transactions due to a technical malfunction of banking systems, payment systems, card networks or third-party infrastructure.
8. Sky Express is not the organiser or provider of the Mastercard Priceless Experience and is not responsible for its quality, availability, modification, cancellation or performance, while Cashback is payable exclusively by Snappi and does not constitute a refund by Sky Express or a discount on the airfare. Therefore, no claim relating to the payment of the Cashback, the participation in the Contest or the return of the Gifts can be made against Sky Express, to the extent that it falls within its sphere of influence.
9. The Partner Companies are not responsible for the availability, quality, content or execution of the experience that constitutes the Contest Gift, nor for any change, modification or cancellation thereof by third parties. Snappi is not obliged to replace the Contest Gift or compensate the winner for the above issues.

E. PERSONAL DATA PROCESSING TERMS

1. This section contains information about the collection of your personal data and their processing for the needs of conducting the Activity in order to enable the performance of the Gifts. Please also refer to the Privacy Policy, which is posted on our website and which applies in addition to these terms.
2. Recipients of your data will be only Snappi's authorized partners, who assist 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 carried out solely for the purpose of carrying out and implementing the Activity and guiding you in obtaining the Gifts. The personal data of the participating persons will not be transferred outside the European Economic Area. In the event of a transfer outside the EEA, this 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 defined in the applicable legislation, in order to ensure an appropriate level of protection for the personal data of the participants.
3. Snappi processes the transactions data within the application 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. Your data will not be shared with unauthorized third parties except for the necessary service providers and the cases provided for in these Terms.
4. 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 transactions 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.
5. 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 Gifts 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).
6. The controller of the personal data you submit for the creation of a new bank account is Snappi.
7. Each Customer has the right to access, inform, correct, object to the further processing of their personal data, as provided for in the General Data Protection Regulation (Regulation EU 2016/679 and L. 4624/2019) as well as the right to appeal to the competent supervisory authority (Personal Data Protection Authority: dpa.gr). For the exercise of their rights, each participating person may contact Snappi, in the contact details dpo@snappibank.com.
8. 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; while the Controller will again be Snappi. To withdraw your consent, you can contact Snappi by email at dpo@snappibank.com.
9. Sky Express acts as an independent Data Controller for the personal data it collects and processes in the context of the booking and performance of the air transport contract, in accordance with its applicable policies and the applicable legislation on the protection of personal data.

F. MISCELLANEOUS TERMS

1. 1. Snappi reserves the right to unilaterally change these terms, to shorten or extend the duration of the Activity or to revoke it by prior notice by any means appropriate for this purpose, to replace the Rewards with others of equal value at its discretion and in general to modify any term of the Activity by notice through the website https://www.snappibank.com/. 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 and/or the draw or with the above amendments thereto, which will apply as defined above and, in any case, reserves the right as to the awarding or not of the Gifts to the Beneficiaries, in the event that any transaction that meets these Terms is carried out before the postponement or cancellation of the Activity or before the modification for any reason of these Activity Terms.
   2. If a person wishes not to be awarded any of the Gifts, despite the fulfilment of the relevant conditions, they can send a message to customer@snappibank.com address with the subject "Snappi Cashback 10% & SKY Express" and/or Snappi x Mastercard Priceless Experience, depending on the Gift from which they wishe to be excluded. In this case, their participation will not be taken into account.
   3. 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 entry or any other problem or damage.
   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 term is found to be invalid, such partial invalidity does not result in the invalidity of all the Terms.
   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.