TERMS & CONDITIONS OF ACTIVITY

"Snappi BANK S.A." (Krystalli 7A, Ioannina, TIN: 801858330, hereinafter "Snappi") in the context of promoting its products and services, organizes, in collaboration with the ALPHA-BETA" VASILOPOULOS SINGLE MEMBER S.A., Address: 81 Spaton Avenue, 15344, Gerakas, Attica, VAT No.: 094025817 (“AB”), the promotional campaign described below (hereinafter referred to as "the Activity") which is aimed at existing and new members of AB's customer loyalty program ("Members" and "AB PLUS" respectively), in accordance with the following terms and conditions. Before participating in the Activity, please read these Terms and Conditions of Participation ("the Activity Terms") carefully, which are also posted on the website https://www.snappibank.com/en/ab-vasilopoulos/  .If you do not accept the Activity Terms, you should not participate in the Activity.

Α. ELIGIBILITY AND CONDITIONS OF PARTICIPATION

1. Eligibility to participate in the Activity is granted to persons who cumulatively meet the following criteria and complete the following steps ("Beneficiaries"):

1.1. are at least 18 years of age

1.2. are tax residents of Greece and have full legal capacity

1.3. are AB PLUS Members and hold the AB PLUS Card, the card issued and identifying its holder through a unique identification code, for the collection and redemption of privileges and the general use of the AB PLUS program.

1.4. Fill in their details (full name, mobile phone number, email address, and AB loyalty card number) in the special participation form available at the link https://www.snappibank.com/en/ab-vasilopoulos/ 

1.5. download the Snappi app.

1.6. successfully complete registration on the Snappi app (i.e., successfully complete the Digital Onboarding process, which includes verifying the details of prospective customers and ensuring that they meet all the conditions set out in Snappi's Terms and Conditions of Transactions) within five (5) days  (see also term B.4) or within the time periods notified from time to time.

1.7 Complete at least one (1) transaction, either online or at a POS terminal, with a minimum value of ten euros (€10), at any merchant, using their physical or digital Snappi Mastercard debit card as the payment method, within 5 days from the form completion.

1.8. Complete one transaction with the AB Plus card.

2. It is clarified that persons 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:

2.1. They are already Snappi customers, i.e. they have, up to the date of their registration, purchased a Snappi product or service (with the exception of the Youth Pass) (i.e. they have completed their registration/Digital Onboarding).

2.2. have started the Digital Onboarding process without completing any of the steps specified in Snappi's Terms and Conditions of Transactions (e.g. they have not submitted a supporting document)

2.3. They are unable to complete their registration because they do not meet Snappi's Terms and Conditions of Trading.

2.4. They do not complete their registration with Snappi within the specified time limit (see term B.4).

2.5 They don't complete at least one (1) transaction, either online or at a POS terminal, with a minimum value of ten euros (€10), at any merchant, using their physical or digital Snappi Mastercard debit card as the payment method.

2.6. They have already participated in the Activity

2.7. Have already participated in a parallel promotional campaign and have completed their registration with Snappi through it (e.g., "Vodafone CU" or "Public" or "PAS GIANNINA", or "Freenow" or "Shell" or "Goodys" or "Everest" campaign)

3. Participation in the Activity requires and implies unconditional acceptance of all of these terms and conditions, even if they are modified in the future, as stated below, as well as the Privacy Policy and Terms of Use of the website https:// www.snappibank.com.

4. Each person is entitled to one entry.

5. Any entry that does not comply with these Terms is invalid.

Β. DESCRIPTION OF ACTIVITY & GIFT 

1. Beneficiaries (i.e. any AB PLUS Member who meets the criteria of condition A above) will receive €24 in their AB PLUS account in the form of points to be redeemed at AB stores or otherwise credited with 800 points to be redeemed ("Gift" or "Gifts") within ten (10) business days of completing their registration with Snappi. 
2. To receive the Gift, Members must visit Snappi's specially designed landing page and fill out the participation form with their personal details (full name, telephone number, email address, AB PLUS Card code) in order to receive further instructions on how to download the Snappi app from the App Store or Google Play (depending on the type of device) and complete their registration.
3. Before proceeding with registration, the Member must accept these Terms of Activity, which will be available on the website. Failure to accept the Terms will prevent the Member from proceeding with registration and subsequently participating in the Activity. 
4. The Member must complete their registration, i.e. open their bank account as a Snappi customer, and make at least one (1) transaction, either online or at a POS terminal, with a minimum value of ten euros (€10), at any merchant, using their physical or digital Snappi Mastercard debit card as the payment method, within five (5) days of filling out the AB participation form or within the time period notified in each case, and in any case within the announced time period, otherwise they will not be Beneficiaries of the Gift.
5. Snappi reserves the right to modify the activation mechanism and redemption process for Codes, informing Members in a timely manner by amending these Terms or by sending a message (email, SMS, Viber) from AB. 
6. Each Member may receive only one Gift, which is personal, non-transferable, and addressed individually to the respective Member. Sharing or use of the Gift by a third party is prohibited. 
7. Points can be collected only once (1) per AB PLUS card.
8. If the Member requires further clarification, they should contact:

7.1. AB, for issues, requests, and any complaints related to receiving and using the Gift, by calling at the Open Communication Line at 18202 and through the contact form: https://ask.ab.gr/s/contactsupport?language=en 

7.2. Snappi, exclusively for issues related to their participation in the Activity, their registration on the AB participation form, or their registration on the Snappi application (Digital Onboarding) at: 

By email at: customer@snappibank.com 

By telephone at: 210 483 8000.

8. In the event of any loss of the Gift by Members, Snappi shall not be liable for any replacement, cancellation, reissue, or other restoration of the loss, and no claim may be made against Snappi for this reason by Members.

9. It should be noted that, in parallel with this Promotional Activity, other promotional activities are also taking place in collaboration with third parties (Vodafone,  Public, PAS GIANNINA, Freenow, Shell, Oasa, Goodys and Everest) ("parallel promotional activities"). If a Member registers for both the promotion conducted in collaboration with Vodafone and other Promotional Activities on the same calendar day, they will be entitled exclusively to the Gift of the parallel promotional activity and will not receive the Gift of this Promotional Activity. If the Member registers for the two above promotions on different dates, they will be entitled exclusively to the gift corresponding to the promotion in which they registered earlier, while the later gift will not be awarded. In any case, the Member will not be entitled to the gift of both promotional activities.

C. DURATION 

1. 1. Members who participate in the Activity must submit their registration on the AB participation form AND complete their registration on the application (including the Digital Onboarding process) as well as complete at least one (1) transaction, either online or at a POS terminal, with a minimum value of ten euros (€10), at any merchant, using their physical or digital Snappi Mastercard debit card as the payment method, within five (5) days of submission, during the period from 05/08/2026 (00:01 Greek time) to 30/09/2026 (23:59 Greek time) ("Activity Period"). Snappi reserves the right, but is not obligated, to change the Duration of the Activity by giving prior notice to Members through announcements on its own channels/media or those of AB.
   2. Downloading the application and/or registering as a Snappi costumer (even if all the actions that Snappi may require as part of the identification/know your customer process have not been completed) before or after the Duration of the Activity will not make the Member eligible and the Gift will not be awarded to them.
   3. The expiration date of each individual Gift will be determined by AB. Any Gift that has been awarded to a Member and has not been activated by the end of its respective Duration will be deactivated and cannot be used, unless otherwise specified by AB. 

D. RESTRICTIONS

1. It is clarified that the registration option provided through the Activity does not automatically render Members customers of Snappi. Members accept that if they do not meet the General Terms and Conditions of Transactions for registering as a new Snappi customer in accordance with the applicable regulatory framework and Snappi's terms and conditions as 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 new customer registration are not met, as well as to reject any participation at any stage - even at the stage of awarding the Gift, if the Member does not meet all the Terms of the Activity, which are all considered essential. Members must complete any process required by Snappi in order to verify their details and complete the know your customer process, even after completing Digital Onboarding. Otherwise, Snappi reserves the right not to award or to cancel the Gift. Similarly, Snappi reserves the right, at its sole and absolute discretion, to accept or reject any Member's application to register as a customer for any reason (e.g. if they do not successfully complete the identification and registration process in accordance with Snappi's procedure, e.g. verification of details), or if illegal or unconventional use of the Gift or details is detected or suspected.
2. In the event that the Gift is unavailable, Snappi reserves the right to offer alternative gifts of its own choosing. 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 shall be released from any liability and shall not be obliged to offer alternative gifts of any form or value.
3. The Gift is sent by AB, and Snappi bears no responsibility in the event of delay, non-delivery, or non-return by AB. Similarly, Snappi shall not be liable in the event that the Beneficiary has provided incorrect contact details to AB or has lost the AB card or the access passwords to the AB account, channels that may be used by AB to deliver the Gift. AB will decide unilaterally on the method of awarding the Gift to the Beneficiaries (e.g. through paper gift vouchers, through crediting points to the AB Plus card, or by any other appropriate means).
4. Snappi bears no responsibility whatsoever with regard to the validity, duration, expiration date, redemption, and general use of Gifts (e.g., gift certificates), which are governed exclusively by the terms set by AB and subject to the restrictions set by the latter.

E. CONDITIONS FOR PROCESSING PERSONAL DATA 

1. This section contains information about the collection of your personal data and their processing for the purposes of conducting the Activity. Please also refer to our Privacy Policy, which is posted on our website, and which applies in addition to these terms. 
2. Recipients of your data will only be SNAPPI's authorized partners, which assist in the implementation of the Activity (e.g. cloud hosting provider, marketing provider, social media manager, etc.) Your personal data will be processed exclusively for the purpose of executing and implementing the Activity and your guidance for obtaining the Gift. The personal data of the participating persons will not be transferred outside the European Economic Area. SNAPPI takes all appropriate technical and organizational measures, as defined in the applicable legislation, to ensure an appropriate level of protection for the personal data of participants. 
3. SNAPPI processes the data you have provided when submitting the AB participation form, for the purposes of 1. your guidance for participating in the Activity and acquiring and registering with the Snappi application and 2. informing and communicating with you in the context of the Activity legal basis for processing: contract performance). 
4. Snappi processes the data submitted directly by Members through the landing page set up for the purposes of the Activity exclusively for the above purposes and does not share it with third parties, subject to the provision of E.2 above. Snappi sends AB the card code of the Eligible Members so that the Gift can be redeemed.
5. The personal data of the participants will be kept as follows: (a) in case the participants gain access to the SNAPPI application and successfully complete their registration as customers of SNAPPI, their data will be kept based on the Privacy Policy which they will have accepted by completing the Digital Onboarding, (b) in the event that the completion of Digital Onboarding for any reason does not take place before the Duration of the Activity, Snappi will retain the data of the Members provided by submitting the AB participation form in order to provide the necessary updates regarding the actions required to register Members as Snappi customers, and no later than 2/10/2027.
6. SNAPPI is the data controller of participants' personal data and processes only data related to the information you have provided to SNAPPI through the AB form for participation in the Activity.
7. Each participating person has the right of access, information, correction, objection to further processing of their personal data, as provided for in the General Data Protection Regulation (EU Regulation 2016/679 and Law 4624/2019) and the right of appeal to the competent supervisory authority (the Data Protection Authority): Kifissias 1-3, P.C. 115 23, Athens, Greece, telephone: +30 210 6475600, e-mail: contact@dpa.gr). To exercise his/her rights, each participating person may contact SNAPPI, at the contact details dpo@snappibank.com.
8. If you explicitly consent to this, Snappi will send you news and updates based on your consent. You can freely revoke your consent to processing for any of these purposes at any time. If you choose to receive news and updates from Snappi, we will retain the data you have provided to us via the AB participation form for the purpose of sending you news and updates from Snappi until you withdraw your consent. Your personal data will not be disclosed to third parties, and Snappi will still be the Data Controller. To withdraw your consent, you can contact Snappi by sending an email at dpo@snappibank.com.

F. OTHER TERMS AND CONDITIONS 

1. SNAPPI reserves the right to unilaterally modify these terms and conditions, to shorten or extend the duration of the Activity or to revoke it with prior notice by any appropriate means, to replace the Gifts with others of equal value at its discretion and in general to modify any term of the Activity by means of an announcement through the website https://www.snappibank.com/. If deemed appropriate, Members will also be notified by AB via email, SMS, Viber, or through AB's preferred channels. SNAPPI shall be exempt from any liability in relation to the postponement or cancellation of the Activity and/or the draw or the aforementioned amendments thereto, which shall apply as set out above and, in any case, shall reserve the right to award or not award the gifts to the winners of the draw, in the event that the draw has been held prior to the postponement or cancellation of the Activity or prior to the amendment of these Terms and Conditions of Activity for any reason whatsoever.
2. In case any of the participating persons wishes to withdraw their participation in the Activity, they can send an email to costumer@snappibank.com with the subject “Request for Withdrawal from the Activity Snappi x AB”. In this case his/her participation will be cancelled, and his/her personal data will be deleted. 
3. SNAPPI is not responsible in case of incorrect registration or incomplete data on the part of the participants or in case any of the participating persons does not meet the requirements to join the SNAPPI application in order to become a customer of SNAPPI according to the terms and conditions of Digital Onboarding.
4.  SNAPPI is not liable in any way for (i) network, hardware and software disruptions of the participant's network and/or malfunction of the application of any nature that may result in limited, delayed or lost entry 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 provision is deemed invalid, such partial invalidity shall not invalidate the entire Terms.
7.  The Terms of Activity, as applicable, are governed by Greek Law. For any dispute that may arise as to the interpretation or application of the above terms, the Courts of Athens (Central Headquarters) shall have concurrent jurisdiction with the other courts competent according to law.