Fidor OS: API Services

Terms And Conditions … cornerstones Presentation: Stefan Weiß, VP Standard Product Development

Terms of API usage

Parties involved

2

Fidor Group

Bank Customer

Terms of API usage

Parties involved

3

Fidor Group

You

Bank Customer

Terms of API usage

Parties involved

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Fidor Group

Bank Customer

You

Your Customer

Terms of API usage

Parties involved

5

Fidor Group

Bank Customer

You

Terms of API usage

Parties involved

6

Fidor Group

You

Your Customer

Terms of API usage

Parties involved

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Fidor Group

You

Your Customer

Customer‘s Customer

Terms of API usage

Parties involved

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Fidor Group

You

Your Customer

Customer‘s Customer

Terms of API usage

Fidor  Group "Trusted  partner  for  digital  assets  &  Global  peer-­‐2-­‐peer"

• Banks and other financial institutions • Large online merchants and marketplaces • Mobile & web operators • Publishers

Unit

Target  Customers

• Retail and corporate banking • Community centered communication • Method and innovation leader • Transparency & freedom banking • State-of-the-art technology

• Internationally payment transactions • Cash management platform • Cash management of digital assets • eWallet System for c2c, c2b, b2b, b2c transactions

!• Development and sales of e-commerce products and services • Development of banking administration software • Organization advisory for software solutions • Operating services

Core  Tasks

• Retail and corporate customers with high affinity web • Institutions needing affiant payment solutions (eg SEPA)

• Tele Communication (NFC payments, e-commerce) • Retail (Safe & Secure Payments) • Publishing (Single & recurring micropayments) • Gaming (in-game accounts, peer-to-peer accounts)

USP

• Freedom & Transparency • Easy & Cost-effectiveness • Innovation and Individualization

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Development Group Structure

Page 3

Terms of API usage

Elements of API-Service Terms

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Bank Terms (e.g. SEPA Direct Debit)

API Usage Terms (e.g. SLA for 10.000 calls/s)

Case Study: Peer 2 Peer Finance

Peer-to-peer lending „Our approach is unique for people who want to lend each other some money. Fidor covers the regulatory and banking aspects so we can focus on our customers.”

✓ User Registration API!✓ Transactions API!✓ PSP API!✓ SLA Level 1

Whatever your business needs, you can select and combine features and services, and decide on the preferred service level.

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Case Study: Virtual Currencies Exchange

Crypto-coin Exchange„For our on-the-edge Bitcoin business we need a professionals partner that meets technical and regulatory requirements.”

✓ Authorization API ✓ Transactions API ✓ PSP API ✓ SLA Level 1

Whatever your business needs, you can select and combine features and services, and decide on the preferred service level.

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Case Study: Mobile Payment

Smartphone banking„We have created a revolutionary mobile banking experience. All we need to do now is to connect to a flexible banking partner who understands and supports our approach.”

✓ User Registration API ✓ Transactions API ✓ Bonus API ✓ SLA Level 1

Whatever your business needs, you can select and combine features and services, and decide on the preferred service level.

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Case Study: Crowd Finance

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Whatever your business needs, you can select and combine features and services, and decide on the preferred service level.

Donation platform „We are about to start a support platform for environment projects. We need international payment schemes and escrow accounts to make it easy and safe to do the right thing.”

✓ Transactions API ✓ Escrow API ✓ PSP API ✓ SLA Level 2

Terms of API usage

API Terms: Access Levels

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• Basic Access, low risk functions (scope) ▪ Full KYC Customer

• Advanced Access, higher risk functions ▪ Additional information, periodic reviews

• Premium Access, high risk functions ▪ Additional contracts periodic reviews

▪ Collateral may be required !

Risk: for Fidor or Fidor customers

60

Terms of API usage

Fidor APIs: Seamless Integration With Fidor Accounts

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Right from the Fidor bank account you will be able to instantaneously access your Data via the “API-Services” tab. !Just one click to start. For maximum “do-it-yourself-ability”.

Terms of API usage

Fidor APIs: Service Level Agreements

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As a banking service we provide top professional IT services. Our basic SLA Level covers most use cases for small and medium customers. If you need extra support, lower response times or extra high performance we provide extra service levels.

In addition we provide business consulting and technical consulting in order to make your ramp up as smooth as possible. Please ask for a quote.

Support / Response time* Performance* Setup /

Monthly fee

Level of Service Agreement

Basic Community / 5 days

100.000 TX / month 10 TX / minute

Included

Level 2 E-Mail / 8 hours 500.000 TX / month!100 TX / minute

ask for a quote

Level 1 Phone / 2 hours 5 Mio TX / month 1000 TX / minute

ask for a quote

Individual Arrangement Individual Individual ask for a quote

*) numbers to be confirmed

Terms of API usage

Fidor API-Services: Additional Terms

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• „Good intentions“

• Limitation of Liability

• Laws, Regulation, Rules

• Your customers: Quality and Support

• License Rights & Intellectual Property

• Privacy, Confidentiality

• Data Security, Fraud

• Termination