Welcome Campaign

1. Organizer of the campaign
I.I. The “Welcome” campaign (hereinafter referred to as “CAMPAIGN”) is organized by GARANTI BANK S.A., with its headquarters in Bucharest, Sos. Fabrica de Glucoză nr. 5, Business Center Novo Park 3 Building F, Et. 5 and 6, sector 2, J40/4429/2009, tax registration code RO 25394008, registered in the Register of Credit Institutions under no. RB-PJR-40-066/2009, registered in the ASF Register under no. PJR0IINCR/400019/28.03.2019, paid-up share capital in the amount of 1,208,086,946 LEI account no. R033 UGBI 0009 0920 0252 7RON opened at the Central National Bank of Romania, through its legal representatives, hereinafter referred to as “GARANTI BANK/BANK”.

2. Campaign development and duration
2. I. The campaign will run from 15 September 2022 to 31 December 2022.
2.2. The official rules of the Campaign are available free of charge on the website www.garantibbva.ro or in any of the branches of the Bank.
2.3. The “Welcome” campaign will run under these Rules, which apply to all eligible customers. The BANK, as the Organizer, reserves the right to amend or change the Rules, with such changes to come into force, the day after the Customers are informed on the website of the Bank, www.garantibbva.ro.

3. Campaign Conditions
3.1. The campaign is aimed at individuals who are customers or non-customers.
3.2. Employees of the Organizer are not eligible to participate in the Campaign.
3.3. The Bank will grant a Bonus to Customers if they meet the following criteria:
3.4.

• are over 18 years old,
• during the Campaign period, hold or open a current account in RON at the BANK, in order to collect salary or pension rights;
• in the case of salaries, the collection from the employer’s account to the customer’s current account
• in the case of pensions, the collection, from the account of the pension fund to which the customer is affiliated, must be paid into the customer’s current account with the BANK;
• the customer has not received salaries or pensions on his current account, starting from 01.01.2022
  until the Campaign start date;
• the first collection of salary or pension must take place no later than the date of termination of the Campaign.

All eligible customers will be automatically included in the Campaign after the first payment of their salary or
pension to the account opened with Garanti Bank SA. Customers who do not wish to benefit from the Award
of the Campaign, may request exclusion from the Campaign by written request submitted to any of the the branches of the Bank or by email at contact@garantibbva.ro.

4. Campaign Awards
4.1. to the Customers who meet the conditions of the Campaign, will be credited to the current account opened with the Bank, one time only, an award of 10% of the income received in the first month, but no more than 500 RON (net value, after income tax withholding)/customer.
4.2. Depending on the tax residence of the customers, the maximum gross individual value of the awards offered in the campaign can be:
o 595,24 RON (representing the net amount of 500 RON, plus the amount of tax on income from other sources withheld at source, 95,24 RON) for non-resident customers.
o 555,56 RON (representing the net amount of 500 RON, plus the amount of tax on income from other sources withheld at source, 55,56 RON) for non-resident customers.
4.3. The Customers will be informed by SMS about their inclusion in the current campaign.
4.4. The award will be shown in the monthly statement of the current account opened by the customer with the Bank
4.5. After the transfer of the awards, any obligation of the Organizer towards the customers ceases. With the exception of withholding tax, applicable to income from other sources obtained by individuals as a result of participating in this campaign, any other taxes or duties resulting from the transfer of money to the winners’ accounts will not be borne by the Organizer.
4.6. After receiving the award, the customer must continue to collect the salary or pension in the accounts opened with the Bank for a minimum of 12 months from the date of collection of the award offered; otherwise, he must return to the Bank a pro-rata of the value of the award collected, upon simple notification by the Bank, without any other formality.
4.7. The existence or occurrence by the date of the award award of any cause preventing the Customer from benefiting from the award, shall not create any obligation of compensation; indemnity or other nature on the Organizer.

5. Taxes and fees
5.1. The Organizer is not responsible for the payment of taxes, social security contributions or other financial obligations related to the awards offered, with the exception of withholding tax applicable to income from other sources obtained by individuals as a result of participating in this Campaign. If this tax is due, it is applied to the gross value of the awards awarded. The organizer is obliged to calculate, withhold and pay them to the state budget in accordance with Law no. 227/2015 on the Fiscal Code, with further amendments and completions. The tax will be applied to the gross value of the awards, as defined in Section 6 above.
5.2. The customers are responsible for declaring and paying the social security contributions due to the state social security budget according to Title I, II and V of Law no. 227/2015 on the Fiscal Code.

6. Disputes
6.1. The possible disputes between the BANK and the Customers related to campaign will be amiably solved or, unless it is possible, the disputes will be solved by the competent Romanian law courts. Without prejudice to the customer’s right to refer the matter to the National Authority for Consumer Protection, the customer may resort to mediation as an out-of-court complaint and redress mechanism, as regulated by the National Authority for Consumer Protection
2006 .. d d – . amended by Law No. 192 on the establishment and organisation of the profession of mediator, with further amendments and completions. Also, if a dispute between the Customer and the Bank could not
be resolved following a complaint submitted directly to the Bank, the Customer may resort to the alternative dispute resolution mechanism provided for by 00 38/2015 with further amendments and completions, by addressing the center for Alternative Dispute Resolution in the Banking Sector (CSALB) located in Bucharest, str. Sevastopol nr.24, sector 1, telephone number (021) 9414, website www.csalb.ro, center authorized to organize and administer the settlement, by alternative means, of disputes in the financial-banking field betweenconsumers and credit institutions.
6.2. The governing law is Romanian law.
6.3. Any complaints related to the running of the Campaign can be sent to Sos. Fabrica de Glucoză nr. 5, Business Center Novo Park 3 Building F, Et. 5 and 6, Sector 2, Bucharest or by email to contact@garantibbva.ro no later than 2 weeks after the Campaign closing date. After this date, the BANK will not consider any complaint.

7. Campaign interruption/termination
7.1. The campaign may be interrupted/terminated before the deadline only in case of force majeure or by a decision of GARANTI BANK determined by the impossibility to continue it for reasons beyond its control. In the event of any of these cases, customers will be notified as soon as possible on www.garantibbva.ro.
7.2. The situations referred to in Article 7.1 are also assimilated to the decisions of the courts as well as acts of the competent public authorities with an impact on the Campaign.
7.3. In the situations referred to in Articles 7.1 and 7.2, the Bank shall have no further obligation towards
Customers on granting the award.

8. Responsibility
8.1. The Bank shall grant the awards to Eligible Customers in accordance with the provisions of this
Official Regulation.
Mustafa Tiftikcioglu
General Manager
Constantin Benone Dobrinescu
Manager of the Retail Banking Division

CAMPAIGN RULES
“Super Bonus Card”

1. Organizer of the campaign
1.1. The “Super Bonus Card” campaign (called “CAMPAIGN”) is organized by GARANTI BANK SA, with its headquarters in Bucharest, Sos. de Glucoza nr. 5, Novo Park 3 Business Center, Building F, Et. 5 and 6, Sector 2, with an order number in the Trade Register J40/4429/2009, tax registration code RO 25394008, registered in the Register of Credit Institutions under no. RB-PJR-40-066/2009, registered in the ASF Register under no. PJR0IINCR/400019/28.03.2019, paid-up share capital in the amount of 1,208,086,946 LEI account no. RO33 UGBI 0009 0920 0252 7RON opened at the Central National Bank of Romania, through its legal representatives, hereinafter referred to as “GARANTI BANK/BANK”.
2. Campaign development and duration
2.1. The campaign will run from 3 October 2022 to 11 December 2022.
2.2. The official rules of the Campaign are available free of charge on the website www.garantibbva.ro or in any of the branches of the Bank.
2.3. The “Super Bonus Card” campaign will be run under these Rules, which apply to all eligible customers. The Bank, as the Organizer, reserves the right to amend or change the Rules, with such changes to come into force, the day after the Customers are informed on the website of the Bank, www.garantibbva.ro.

3. Campaign Conditions
3.1. The campaign is aimed at individuals who are customers or non-customers.
3.2. Employees of the Organiser or its collaborators cannot participate in the Campaign
3.3. The Bank will grant an Award to Customers if they cumulatively meet the following conditions:
are eligible customers in the “Welcome” campaign, respectively meet the following criteria:
o are over 18 years old,
o during the Campaign period, hold or open a current account in RON at the BANK, in order to
the collection of salary or pension entitlements;
o in the case of salaries, the collection from the employer’s account to the customer’s current account
o In the case of pensions, the payment from the account of the pension fund to which the customer is affiliated must be made to the customer’s current account with the BANK;
o the customer has not received salaries or pensions in his current account, from 01.01.2022 until the date of the Campaign;
o the first collection of salary or pension must take place no later than the date of termination
of the Campaign during the “Super Bonus Card” Campaign, open a Bonus Card credit card;
– make payments at physical or online payment terminals with the Bonus Card during the Campaign period.
3.4. All eligible customers will be automatically included in the Campaign after the date of obtaining the credit card Bonus Card. The Customers who do not wish to benefit from the Campaign award may request exclusion
from the Campaign by a written request submitted in any of the branches of the Bank or by email to
contact@garantibbva.ro.

4. Campaign Awards
4.1. to the Customers who meet the conditions of the Campaign, will be granted to the credit card account a
Bonus Card that they hold with the Bank, opened during the present Campaign, once only, an award worth l0% of the payments made with the Bonus Card, but not more than 500,00 RON (net value, after income tax withholding)/customer.
4.2. The awards will be granted between 12 December 2022 and 23 December 2022.
4.3. Depending on the tax residence of the customers, the maximum gross individual value of the awards offered in the campaign can be:
o 595,24 RON (representing the net amount of 500,00 RON, plus the amount of tax on income from other sources withheld at source, amounting 95,24 RON) for non-resident customers.
o 555,56 RON (representing the net amount of 500,00 RON, plus the amount of tax on income from other sources withheld at source, amounting 55,56 RON) for non-resident customers.
4.4. The Customers will be informed by SMS about their inclusion in the current campaign.
4.5. The award will be shown on the credit card statement for the month in which it was awarded.
4.6. After granting the award, any obligation of the Organizer towards the customers ceases. With the exception of withholding tax, applicable to income from other sources obtained by individuals as a result of participating in this campaign, any other taxes or duties resulting from the transfer of money to the Participants’ accounts will not be borne by the Organizer.
4.7. The existence or occurrence by the date of granting the award award of any cause preventing the Customer from benefiting from the award, shall not create any obligation of compensation; indemnity or other nature on the Organizer.

5. Personal data

5.1. Information to Participants in accordance with Regulation (EU) No. 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of individuals with regard to the processing of personal data and on the free movement of such data (hereinafter, “GDPR”).
5.2. These Rules are made available to any interested person or authority and can be consulted free of charge on the Organiser’s website at www.garantibbva.ro or in any of the branches of the Bank.
5.3. By participating in this Campaign, Participants confirm that they are aware of the provisions of the Rules and express their agreement to the aspects mentioned in the Rules.
5.4. The Bank, in its capacity as Data Controller under the GDPR, has appointed a Data Protection Officer
who can be contacted at the Operator’s address mentioned above and/or e-mail address:
dpo(a), garantibbva.ro.
5.5. The personal data processed in the context of the Campaign are the following:
i) for Participants: last name, first name, phone number, BAN account, customer number,
the last 4 digits of the card number (MARS/ID).
In the event that the Data Subject objects to the processing of the aforementioned data for the purpose of organising and running this Campaign, the Operator will be unable to keep him/her in the Campaign and award the award, without otherwise affecting the relationship between the Operator and the Data Subject.
5.6. Purpose and legal basis of the processing of personal data
The personal data of the Participants to this Campaign will be processed by the Bank, in its capacity as Organizer, for the following purposes:
(i) organization and running of this Campaign (designation and validation of Participants who meet the participation criteria, as described in point 3.3 of these Rules, awarding of the award, respectively awarding of awards on Bonus card credit cards);
(ii) accomplishment of legal obligations, for example, in the fiscal, financial-accounting field, transmission of the information requested by the authorities entitled by law to request and receive such information (for example: public prosecutors’ offices, bailiffs, the National Office for the Prevention and Combating of Money Laundering (O.N.P.C.S.B.), tax authorities, authorities with a supervisory and control role in the banking sector, etc.); 

(iii) pursuing the legitimate interests of the Operator, such as: conducting internal reporting, internal evidence, fraud prevention, resolving the claims of Campaign Participants, exercising or defending its or others’ rights or interests before courts of law, notaries public, other public authorities, arbitration tribunals, mediators or other public or private dispute resolution bodies, lawyers, our consultants, etc.

5.7. Recipients of personal data
– the authorities empowered by law to request and receive such information, for example courts, public prosecutors and other competent bodies, tax authorities, banking supervisory and control authorities, etc.
– recipients to whom Participants’ personal data are transmitted or made available under the above paragraphs are limited (by law) as to how they may use such data. The Bank, in its capacity as Controller, shall ensure that any third parties to whom personal data is voluntarily disclosed are subject to confidentiality and security obligations in accordance with this information about the processing of personal data and the applicable legislation.
5.8. In accordance with the GDPR, Participants have free access to personal data collected or processed by the Bank, in its capacity as the Organizer, through a written request, dated and signed, addressed to the Bank. Participants also have the right to intervene on personal data and, where appropriate, request rectification, updating, blocking or deletion of data whose processing does not comply with the GDPR, in particular incomplete or inaccurate data. Under the above conditions, Participants may also request, the transformation into anonymous data of data whose processing does not comply with specific data protection legislation, having the right to object at any time, on justified and legitimate grounds relating to their particular situation, to the processing of data concerning them, unless otherwise provided for by law. The Participants also have the right to object at any time, free of charge and without justification, to their data being processed for direct marketing purposes or disclosed to third parties for such purposes.
5.9. Rights of the data subjects. According to Articles 15-22 of the GDPR, the data subjects
(Participants) have the following rights:
(i) the right of information and access to data;
(ii) the right to rectification;
(iii) the right to erasure of data (“right to be forgotten”);
(iv) the right to restrict processing;
(v) the right to data portability;
(vi) the right to opposition;
(vii) the right not to be subject to a decision based solely on automatic processing, including profiling, which produces legal effects concerning the Data Subject or similarly affects him or her to a significant extent;
(viii) the Operator states that, in the context of this Campaign, it does not take decisions based solely on the automatic processing of Campaign Participants’ data (including profiles);
(ix) the right to withdraw consent to processing, and at any time that it affects the lawfulness of the processing carried out on the basis of the consent of withdrawal;
(x) the right to lodge a complaint with the National Authority for the Supervision of Personal Data Processing (A.N.S.P.D.C.P.), with the headquarters on Bd. G-ral. Gheorghe Magheru nr. 28-30, Sector 1, postal code 0 10336, Bucharest, more details can be found at www.dataprotection.ro.

6. Taxes and fees
6.1. The Organizer is not responsible for the payment of taxes, social security contributions or other financial obligations related to the awards offered, with the exception of withholding tax applicable to income from other sources obtained by individuals as a result of participating in this Campaign. If this tax is due, it is applied to the gross value of the awards awarded. The organizer is obliged to calculate, withhold and pay it to the state budget in accordance with Law no. 227/2015 on the Fiscal Code, with further amendments and completions. The tax will be applied to the gross value of the awards, as defined in Section 4 above.
6.2. The customers are responsible for declaring and paying the social security contributions due to the state social security budget according to Title I, II and V of Law no. 227/2015 on the Fiscal Code.

7. Disputes
7.1. The possible disputes between the organizer and the participants to campaign will be amiably solved or, unless it is possible, the disputes will be solved by the competent Romanian law courts. Without prejudice to the customer’s right to refer the matter to the National Authority for Consumer Protection (ANPC), the customer may resort to mediation, as an out-of-court complaint and compensation mechanism, as regulated by Law no. I ?212006: on mediation and organization of the profession of mediator with further amendments and completions. Also, if a dispute between the Customer and the Bank could not be resolved following a complaint submitted directly to the Bank,
The Customer may refer to an alternative dispute resolution mechanism provided by the GD
no. 38/2015, with further amendments and completions, addressed to the center for Alternative Dispute Resolution in the Banking Sector (CSALB) with the headquarters in Bucharest, Str. Sevastopol nr. 24, Sector 1, phone number (021) 9414, website www.csalb.ro, center authorized to organize and to administer the resolution, by alternative means, of disputes in the financial-banking field between consumers and credit institutions.
7.2. The governing law is Romanian law.
7 .3. Any complaints related to the running of the Campaign can be sent to Sos. Fabrica de Glucoza nr. 5, Novo Park 3 Business Center, Building F, Et. 5 and 6, Sector 2, Bucharest or by email to contact@garantibbva.ro no later than 2 weeks after the Campaign closing date. After this date, the Bank will not consider any complaint.

8. Campaign interruption/termination
8.1. The campaign may be interrupted/terminated before the deadline only in case of force majeure or by a decision of GARANTI BANK determined by the impossibility to continue it for reasons beyond its control. In the event of any of these cases, customers will be notified as soon as possible on www.garantibbva.ro.
8.2. The situations referred to in Article 7.1 are also assimilated to the decisions of the courts as well as acts of the competent public authorities with an impact on the Campaign.
8.3. In the situations referred to in Articles 7.1 and 7.2, the Bank shall have no further obligation to
Customers on granting the award.

9. Responsibility
9.1. The Bank shall grant the awards to Eligible Customers in accordance with the provisions of this
Official Regulation.
GARANTI BANK S.A.,
by Mustafa Tiftikcioglu
General Manager
Emre Mustafa Unal
Manager of Cards and Marketing Division

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