TERMS & CONDITIONS OF THE ACTIVITY

"Snappi BANK S.A." (Krystalli 7A, Ioannina, Tax ID: 801858330, hereinafter "Snappi"), in the context of promoting its products and services, organizes, in cooperation with "COSMOS SPORT S.A." (Eleftherias Square and Daidalou 1, Heraklion, 71202, Tax ID: 094259148, hereinafter "Cosmos Sport"), the promotional campaign "Cosmos Sport & Snappi Pay Later Offer" ("the Campaign"), which concerns purchases made exclusively from the partner online store cosmossport.gr using the Snappi Pay Later payment method, and is addressed to existing and new customers of Snappi ("Customers") who are also registered holders of the "Gox" digital wallet, according to the following terms. 

Before taking part in the Campaign, please read these Terms of Participation ("the Campaign Terms") carefully, which are also posted on the Snappi Bank website: Cosmos | Snappi – Your new bank. If you do not accept the Campaign Terms, you should not take part in the Campaign. 

A. RIGHT OF PARTICIPATION

The conditions below under A and B must be met cumulatively in order for someone to become a Beneficiary of the Campaign's Gift. 

1. The Campaign is addressed to existing and new Snappi customers, i.e., to persons who, during the Campaign Period, already are or become Snappi customers, meaning they successfully and fully complete their registration (Digital Onboarding) in the Snappi app, which includes identity verification and fulfillment of all the conditions set out in Snappi's Transaction Terms and Conditions (the "Customer"). Should verification of the app user's details be requested by Snappi for any reason, a registration is considered complete only when the user has successfully completed all required and/or additional identification and confirmation steps requested by Snappi. It is clarified that persons who have obtained the Youthpass from Snappi are not considered Customers for the purposes of the Campaign, and in order to become Beneficiaries they must complete Digital Onboarding and become Snappi Customers within the Campaign Period. 
2. The right to participate in the Campaign belongs to natural persons who have reached 18 years of age, are tax residents of Greece, have full legal capacity, and are registered members of the Gox program (holding the unique ten-digit membership card code that uniquely identifies each Gox Wallet Holder and enables its use, the "Gox Wallet Code" or "Code"). 

B. PARTICIPATION CONDITIONS (STEPS) & SNAPPI PAY LATER GIFT

1. In order to obtain the SNAPPI PAY LATER Gift, participants must, within the Campaign Period (i.e., from 10.09.2026 through 30.09.2026), complete the following steps ("Beneficiaries"):  

• Make at least one (1) purchase from the Cosmos Sport online store worth sixty euros (€60) or more, within the Campaign Period, selecting Snappi Pay Later as the payment method. 
• It is understood that new customers in particular must, for valid participation in the Campaign, download the Snappi app and successfully complete registration in the Snappi app (i.e., successfully complete the Digital Onboarding process, which includes identity verification of prospective customers and fulfillment of all conditions set out in Snappi's Transaction Terms and Conditions) within the Campaign Period. 
• Within five (5) business days from the completion of the first purchase (within the Campaign Period) from the partner online store cosmossport.gr worth €60 or more, the Beneficiary will receive twenty euros (€20), as a reward, credited to their Gox Wallet, to be redeemed on future purchases either at Cosmos Sport physical stores or on Cosmos Sport's online store https://www.cosmossport.gr/ ("Snappi Pay Later Gift"), always in accordance with the applicable terms of the Gox program and the restrictions and exceptions referred to therein. Redemption of the Gift is done exclusively by the Holder either at Cosmos Sport Greece physical stores by using (showing or scanning) the digital Gox card at the store checkout, or for purchases on the cosmossport.gr online store provided the member is logged in to their online account. 
• Crediting of the Gift will take place provided that the Beneficiary does not proceed with a full cancellation of or full withdrawal from the sales contract in accordance with Law 2251/1994 (Articles 3e et seq.) and/or Cosmos Sport's returns policy. In the event of withdrawal in accordance with the law, Cosmos Sport will refund the full purchase amount to the customer and the Snappi Pay Later Gift will not be granted. The Snappi Pay Later Gift will also not be granted in the event of a subsequent purchase by the customer, even if the customer meets the conditions herein, even if they withdraw and make a new purchase within the Campaign Period. If the customer withdraws and the Snappi Pay Later Gift has already been credited, Snappi reserves the right to reclaim the amount of the Snappi Pay Later Gift by charging the Customer's account with the corresponding amount, which the Customer already authorizes Snappi to do by participating in this Campaign. In the event of partial withdrawal from the sales contract, the Snappi Pay Later Gift will still be granted. It is reminded that crediting of the Gift will take place in the Beneficiary's Gox Wallet, so the Customer must also be a Gox Wallet Holder. 

C. DURATION

1. Participation in the Campaign is possible from 10 September 2026 (00:01 Greek time) until 30 September 2026 (23:59 Greek time) ("Campaign Period"). Snappi reserves the right, but is not obliged, to change the Campaign Period with prior appropriate notice to Holders via an announcement on its channels/media and/or those of Cosmos Sport. 
2. Beneficiaries may redeem their Gifts within six (6) months of their registration with Snappi, and always in accordance with the applicable terms of the Gox program and the restrictions and exceptions referred to therein. The expiration time of each Gift is determined exclusively by Cosmos Sport. A Gift that has been awarded to a Beneficiary and has not been redeemed by the end of its respective validity period will be deactivated and cannot be used, unless otherwise determined by Cosmos Sport. 
3. Downloading the app and/or registering the Holder as a Snappi customer (even if not all actions that Snappi may require as part of the identification/know-your-customer process have been completed) at a time before or after the Campaign Period will not make the Holder a Beneficiary, and it will not be possible to grant the Gift to them. 

D. RESTRICTIONS

1. Participation in the Campaign presupposes and entails the unconditional acceptance of all these terms, as well as Snappi's Privacy Policy and Website Terms of Use. Any participation that does not comply with these terms is considered invalid. 
2. Each participating person has the right to one participation in the Campaign and is entitled to receive the Snappi Pay Later Gift only once. Purchases made at the Cosmos Sport online store or Cosmos Sport stores before the Campaign Period are not counted as participations in this Campaign (i.e., if someone has previously made purchases at the Cosmos Sport online store before the Campaign Period, they may still participate in the current campaign, provided the other Campaign Terms are met. Similarly, if someone makes multiple purchases within the Campaign Period, they will only be entitled to the Snappi Pay Later Gift for the first purchase that meets the Terms of this Campaign). 
3. It is clarified that the following persons do not have the right to participate in the Campaign and are not considered Beneficiaries: those who do not meet the above criteria, or who alternatively meet any of the following criteria:  
4. Have started the Digital Onboarding process without completing a step as defined in Snappi's Transaction Terms and Conditions (e.g., have not submitted a required document) 
5. Cannot complete their registration because they do not meet Snappi's Transaction Terms and Conditions 
6. Do not complete their Snappi registration within the Campaign Period 
7. Do not successfully complete a purchase via Snappi Pay Later at the Cosmos Sport online store within the Campaign Period 
8. Make their Cosmos Sport purchase by any other means (e.g., card payment) instead of Snappi Pay Later 
9. Make their Cosmos Sport purchases before or after the Campaign Period 
10. Make a purchase in which the value of the products purchased, excluding any shipping costs or other additional charges, is less than sixty euros (€60) 
11. Carry out a full cancellation of, or withdrawal from, the transaction, in accordance with term B.2 above 
12. Have already participated in the Campaign 

Should the Customer need further clarification, they may contact Snappi regarding matters related to their participation in the Campaign, registration in the Snappi app (Digital Onboarding), its use, and the granting of the Gift, at: 

1. Email: customer@snappibank.com  
2. Phone: 210 483 8000 

E. RESTRICTIONS

1. Holders acknowledge that if they do not meet the General Transaction Terms and Conditions for registering as a new Snappi customer, in accordance with the applicable regulatory framework and Snappi's terms as they appear in the Snappi app, they will not be able to complete their registration in the digital app, or may be required to contact Snappi to submit any additional documents. Snappi reserves the right to reject registration applications during Digital Onboarding if the General Transaction Terms and Conditions set for new customer registration are not met, and also to reject any participation at any stage — even at the stage of granting the Gift — if the Holder does not meet the Campaign Terms in their entirety, all of which are considered material. Holders must complete any process required by Snappi as part of identity verification and the know-your-customer process, even after completing Digital Onboarding. Otherwise, Snappi and Cosmos Sport reserve the right not to grant or to cancel the Gift. Similarly, Snappi reserves the right, at its sole and unappealable discretion, to accept or reject any Holder's application for registration as a customer for any reason (e.g., if they do not successfully complete the identification and registration process according to Snappi's procedure, e.g., verification of details), or if unlawful or non-compliant use of the Gift or of personal details is identified or suspected. 
2. In the event of unavailability, Snappi is entitled to offer alternative gifts, to be selected by Snappi itself. 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 released from all liability and will not be obliged to offer alternative gifts of any kind or value. 
3. The Gift is granted by Cosmos Sport, and Snappi bears no responsibility in the event of delay, non-delivery, or non-granting of it by Cosmos Sport, to the extent that such delay, non-delivery, or non-granting is due solely to Cosmos Sport. Similarly, Snappi bears no liability if the Beneficiary has provided incorrect contact details to Cosmos Sport, or loses the access codes to their Gox Wallet account, which will be used by Cosmos Sport to grant the Gift. Cosmos Sport will unilaterally decide the manner of granting the Gift to Beneficiaries. 
4. Snappi bears absolutely no responsibility regarding the validity, duration, expiration date, redemption, and general use of the Gifts, which are governed exclusively by the terms and conditions of the Gox program and are subject to the restrictions set by Cosmos Sport. Similarly, Cosmos Sport bears absolutely no responsibility regarding the registration process in the Snappi app and the creation of a new user account, nor is it involved in any way in the process of evaluating the validity of participations and the fulfillment of the participation conditions in this Campaign. 

F. PERSONAL DATA PROCESSING TERMS

1. This section contains information regarding the collection of your personal data and its processing for the purposes of conducting the Campaign, in order to make it possible to grant the Gift. Please also refer to the Privacy Policy posted on our website, which applies in addition to these terms. 
2. Recipients of your data will only be Snappi's authorized partners who assist in implementing the Campaign (e.g., cloud hosting provider, marketing provider, social media manager, etc.). Snappi's partners act under contractual confidentiality and data protection obligations. Processing of your personal data will be carried out exclusively for the purpose of executing and implementing the Campaign and guiding you toward obtaining the Gift. Personal data of participants 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 by applicable legislation, to ensure an appropriate level of protection for participants' personal data. 
3. Snappi processes transaction data within the app and the contact data it already holds for you as its customer for the purposes of: 1. Verifying completion of Snappi's participation form, 2. Generally verifying fulfillment of these terms, and 3. Informing and communicating with you in the context of the Campaign (Legal basis for processing: contract performance), exclusively for the above purposes, and does not share it with third parties. 
4. Participants' personal data will be retained as follows: (a) if participants gain access to the Snappi app and successfully complete their registration as Snappi customers, their data will be retained in accordance with the Privacy Policy that they will have accepted upon completing Digital Onboarding; (b) if Digital Onboarding is not completed for any reason before the end of the Campaign Period, Snappi will retain the data of interested parties provided upon submission of the participation form in order to provide the necessary updates regarding the actions required for their registration as Snappi customers, at the latest until 30/09/2027. Customers' purchase data is 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. Snappi and Cosmos Sport act as independent Data Controllers for the data they hold in their own systems and exchange only the data absolutely necessary to verify eligibility. In the context of implementing this Campaign, the Data Controller of the personal data you submit for opening a new bank account and of your transaction data carried out via Snappi is Snappi, while the Data Controller of your personal data relating to your participation in the Gox program is Cosmos Sport. For more information regarding the processing of your personal data by Cosmos Sport, you may refer to the Terms and Conditions of participation in Gox, as well as Cosmos Sport's Privacy Policy. 
6. Every Customer has the right of access, information, correction, and objection to further processing of their 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 lodge a complaint with the competent supervisory authority (Hellenic Data Protection Authority: www.dpa.gr). To exercise their rights, each participant may contact Snappi at dpo@snappibank.com. 

G. OTHER TERMS

1. Snappi reserves the right to unilaterally amend these terms, to shorten or extend the Campaign Period or to cancel it, upon prior announcement by any suitable means, to replace the Gift with others of equal value at its discretion, and generally to modify any term of the Campaign by announcement via the website https://www.snappibank.com/. Where deemed more appropriate, Customers will be informed by Snappi via email, SMS, or Viber message, or through its channels of choice. Snappi is released from any liability regarding the postponement or cancellation of the Campaign and/or the above modifications, which will apply as set out above, and in any case reserves the right regarding the granting or non-granting of the Gift to Beneficiaries for any reason arising from a modification of these Campaign Terms. 
2. Should any person wish not to receive the Gift, despite meeting the conditions of these Terms, due to their participation in the Campaign, they may send an email to customer@snappibank.com with the subject "Withdrawal Request from the 'Cosmos Sport & Snappi Pay Later Offer' Campaign." In this case, their participation will not be taken into account. 
3. Snappi bears no responsibility in the event of erroneous entry or incomplete details on the part of participants, or in the event that any participant does not meet the conditions to be onboarded onto the Snappi app in order to become a Snappi customer in accordance with the Digital Onboarding terms and conditions. 
4. Snappi is not liable in any way for (i) disruptions to the network, hardware, and software of the participant and/or malfunction of the app of any nature that may lead to limited, delayed, or lost recording of the participation, or to any other problem or damage. 
5. Snappi reserves the right, at any time, to exclude any participant who has submitted false or inaccurate entries or personal information. 
6. If any term is deemed invalid, such partial invalidity shall not render the entirety of the Terms invalid. 
7. These Campaign Terms, as in force from time to time, are 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 any other courts otherwise competent by law.