Fidor pricing and conditions

Fidor pricing and conditions Retail customer overview Community Bonus Programme Price list * Bonus Program conditions for retail customers O nline a c t iv it ie s Ma x im um pe r m o nt h Bo nus pe r a c t iv it y Ask a personal finance question 0.40 GBP per month 0.10 GBP Answer a personal finance question 0.40 GBP per month 0.10 GBP Add a saving tip 0.40 GBP per month 0.10 GBP Add a product suggestion 0.40 GBP per month 0.10 GBP Add a product 0.40 GBP per month 0.10 GBP Review a product (incl. comment) 0.40 GBP per month 0.10 GBP Add an expert 0.30 GBP per month 0.10 GBP Review an expert 0.15 GBP per month 0.05 GBP * Bonuses are increased on a weekly basis. Check your online banking for weekly updates. Recommendations Recommending Fidor Bank should be rewarded and here is how: F rie nd s re c ruit F rie nd s Reward for each fully registered referral 1 B o nus 2.00 GBP 1 of 10

F rie nd s re c ruit F rie nd s Reward for the activities of your friends Reward for the activities of your friend's friends B o nus 7.50% of all their rewards - forever - 2.50% of all their rewards - forever - 1 Recommend a Friend You earn money for every recommendation: 2.00 GBP for every fully identified new customer you recruit. You're even rewarded for your friends' activity: you receive a 7.50% bonus on all activities of the customers you recruited, and even 2.50% on the activities of the customers your friends and acquaintances recruited. You get the bonus as long as the customers remain active with us. Conditions for a friend recommendation: Please note that friend recommendations are restricted to private use; commercial mediation of the applications is not permitted. The logo and name of Fidor Bank are subject to copyright. You receive a bonus when the person you recommended registers using your recommendation link and identifies themselves in full. In the event that the applicant was previously a customer of Fidor Bank during the 6 months preceding the application or makes use of their two-week right to cancellation, you will not receive a bonus. For you to receive a bonus credit for introducing with a new customer, they must set themselves up using your recommendation link. This saves a "cookie" on the new customer's computer. In the event that this cookie is deleted or obstructed by manual browser settings, the subsequent establishment of a new customer cannot be rewarded. General T&Cs Here you will find our latest documentation Terms and conditions General terms and conditions valid from 11/04/2016 Privacy Policy of Fidor Bank valid from 11/04/2016 General Documents FATCA self declaration form Celent Report Information sheet for depositors Community Terms and Conditions for Top 10 Saving Tips Community Quiz Community Interaction Banking Fees and s 2 of 10

Everything you need to know about your Fidor Smart Current Account Fidor Bank reserves the right to adjust prices and conditions subject to the General Terms and Conditions. The most recent version of Our Fees and s (Prices and Conditions) apply. Fees are deducted directly from your Fidor Smart Current Account. All fees are subject to the General Terms and Conditions. Important notice: Any outgoing transfers or investigations that involve another bank might be subject to charges by the other bank. These charges are not enforced by Fidor Bank and will have to be raised by you (the client) and might be deducted from the transaction amount. General Conditions Things that are free Things that cost money Limits to your account Things we don't do Research we can do for you and the associated cost If you love paper Fidor TAP Debit Mastercard Fees and s Fidor Bank Savings Bonds Interest rate on Fidor Smart Current Account Overview of the states of EEA and EU belonging to SEPA General Conditions Things that are free Account opening Monthly account management (Introductory offer) 1 Interest earned on Fidor Smart Current Account balance Like-interest rule: The more likes Fidor UK receives on Facebook UK, the higher the interest rate on the account balance. You can learn more about it here. Maximum interest rate as an introductory offer will be 0.50% p.a. 0.3% p.a. 3 of 10

Transfer to and from other Fidor Smart Current Accounts No daily limit (as long as funds are available on your Fidor Smart Current Account) Transfer to and from2 other UK accounts (using the Faster Payments System) 3 Limited to 25,000 per transaction (outgoing) Limited to 25,000 per day (outgoing) Savings bond issuance Min deposit 100 Max deposit 100,000 Shipping a new Personal Code 1 Subject to applicable tax 2 Using account number, sort code and Fidor ID (as the reference). Possible fees of other banks are not borne by Fidor Bank AG. 3 FPS payments are currently only processed once a day. Payments submitted after 4.00pm on a working day or any time on a weekend day or bank holiday will only be processed on the next working day. Things that cost money Transfers to the EEA (SEPA) 1,2 Transfer in EUR to EU members and other States of the European Economic Area (EEA) and Switzerland, Monaco and San Marino. An overview of the SEPA states can be found here. 2.49 (Introductory offer!) 1 Compulsory registration for cross-border transfers that exceed the GBP equivalent of 12,500. These payments are subject to the reporting requirements of the German central bank (Bundesbank) under the Foreign Trade and Payments Act (AWV): Details can be found here. 2 Transfer orders that are submitted after 11.45am on a banking day will only be processed on the next banking day. Limits to your account Limit for deposits No limit Daily limit for deposits No limit Limit per transfer to other Fidor accounts No limit Daily limit for transfers to other Fidor accounts No limit Limit per UK and SEPA transactions 25,000.00 Daily limit per UK and SEPA transactions 25,000.00 4 of 10

Default Fidor Smart Current Account limit per transaction These limits are defaults that have been put in for your safety. They can be changed in your account settings at any time online here. 500.00 (can be increased up to 25,000.00) Default limit for transactions from your Fidor Smart Current Account per day These limits are defaults that have been put in for your safety. They can be changed in your account settings at any time online here. 1,000.00 (can be increased up to 25,000.00) Things we don't do Cash deposits Cheque transactions of any kind Not possible at Fidor Bank Not possible at Fidor Bank Research we can do for you and the associated cost Internal payment investigation for a Fidor Smart Current Account Tracing the whereabouts of a payment from a Fidor Smart Current Account to another Fidor Smart Current Account (e.g. Instant Transfer to Friends) External payment investigation for a Fidor Smart Current Account Tracing the whereabouts of a transfer from a Fidor Smart Current Account to any other account in the UK 15.00 per investigation request External SEPA payment investigation for a Fidor Smart Current Account Tracing the whereabouts of a transfer from a Fidor Smart Current Account to any other account in the EU/EEA (SEPA) 20.00 per investigation request If you love paper 5 of 10

Investigation of bank documents dated back further than two years Postal delivery at the customer's request 15.00 per investigation request Pr o v is io n o f duplic a t e s Creation, provision and transfer of duplicate(s) Postal delivery to the customer 3.00 per document plus postage of additional bank statements, receipts and other banking documents to the customer's request and postal delivery Fidor TAP Debit Mastercard Fees and s Order a Fidor TAP Debit Mastercard Annual Fees No Debit Card Purchases ATM Withdrawals per month (UK & worldwide) first 3 withdrawals then 1GBP per withdrawal (1.5% FX fees applicable) * FX Fees Replacement Card if Expired Replacement Card if Lost/Stolen Card Validity SMS Transaction Notification 1.5% on all non-sterling transactions 3 Years 0.10/SMS Daily Limit ** 1000 Transaction Limit** 1000 Daily Cash Withdrawal Limit 1000 (maximum 2000) *Only if you get your account debited in the local currency. **All limits are preset at 1000 and can be changed to your convenience. Fidor Bank Savings Bonds At Fidor Bank, we endeavour to adapt our offering to the needs of our clients while keeping things as simple as possible. For this reason, we have 6 of 10

decided to let our clients invest as little as 100 in Savings Bonds for the duration of their choice (3, 6, 9, 12, 18, 24 and 36 months). Savings Bonds can be created at any point in time, in less than 60 seconds, directly from a Fidor Bank Smart Current account. Issuing a Savings Bond is FREE and has no management fee, the only thing we require is that you hold a Fidor Smart Current Account with a balance in excess of the amount of the Savings Bond you want. Create your Savings Bond until 5.30pm on a working day. All bonds created after 5.30pm will only be funded on the next working day. If you create your bond before 5.30pm it will be funded on the same day and will become visible in your overview around 8.15pm. Deposit Term Interest Rate Minimum 100 Maximum 100,000 3 Months 0.50% p.a. 6 Months 0.70% p.a. 9 months 0.90% p.a. 12 Months 1.20% p.a. 18 Months 1.30% p.a. 24 Months 1.40% p.a. 36 Months 1.60% p.a. Interest rates are calculated on the basis of the euro interest rate method. I nt e r e s t de po s it : The interest payment together with the amount invested is directly deposited into your Fidor Smart Current Account at the end of the duration of the Savings Bond you have chosen, subject to any applicable tax. If your Savings Bond matures on a weekend day or a bank holiday it will be credited to your account on the next working day. Representative example: Your Savings Bond matures on a Saturday. This day will be replaced by the next working day (German Civil Code BGB 193) and as such you will not receive credit for the Sunday because the Sunday lies outside the period covered by the bond. Fidor Bank will credit the total amount (principal plus interest earned) on the next working day (in this example that would be Monday) to the Fidor Smart Current Account of the beneficiary of the bond. No t e s a bo ut t he s t a t ut o r y de po s it ins ur a nc e : Fidor Bank AG is a member of the Statutory Compensation Scheme for German Banks. This deposit insurance scheme covers customer deposits in the amount of the GBP equivalent of 100,000. Interest rate on Fidor Smart Current Account At Fidor Bank, we are all about community banking and know happy customers are our best advocates. For this reason, we have decided to reward the community for their active participation in helping us spreading the word on Facebook with a Like-Interest rule. The principle is simple: The more likes Fidor UK receives on Facebook, the higher the interest rate on the Fidor Smart Current Account balance will be! 7 of 10

Amount of Fidor UK Facebook Likes Less than 2,000 (reached) Interest Rate 0.25% p.a. Fr o m 2, 0 0 0 0.30 % p.a. 1 From 4,000 From 6,000 From 8,000 From 10,000 0.35% p.a. 0.40% p.a. 0.45% p.a. 0.50% p.a. 1 The interest rate is currently 0.3% per annum. The variable interest rate is currently 0.3% per annum (effective 01.03.2016, subject to change). Due to interest calculation methods, any hurdle that is achieved by the 25th day of any given month will result in the new interest rate coming into effect in the next month. Interest rates are calculated on the basis of the euro interest rate method. Overview of the states of EEA and EU belonging to SEPA Please be aware that if you transfer money to a country that has a currency other than EUR you might be charged a conversion fee by the receiving bank. The procedure for all SEPA transfers is as follows. Your GBP amount gets converted into EUR at the displayed exchange rate and sent to the receiving bank. If the receiving bank account is not denominated in EUR, then the receiving bank will convert the EUR amount into the local currency. This exchange rate is set by the receiving bank and may vary from market rates. The receiving bank may also charge a fee for the conversion. Fidor Bank will not cover any fees charged by the receiving bank or guarantee the exchange rate used by the receiving bank. Target Country ISO Country Code (BIC / IBAN) IBAN Length Local Currency Currency Abbreviation Affiliation Austria AT 20 Euro EUR EU / EEA Belgium BE 16 Euro EUR EU / EEA Bulgaria BG 22 Bulgarian Lev BGN EU / EEA 2 Croatia HR 21 Croatian Kuna HRK EU / EEA Cyprus CY 28 Euro EUR EU / EEA Czech Republic CZ 24 Czech Koruna CZK EU / EEA Denmark DK 18 Danish Krone DKK EU / EEA Estonia EE 20 Euro EUR EU / EEA Finland FI 18 Euro EUR EU / EEA 1 8 of 10

Target Country ISO Country Code (BIC / IBAN) IBAN Length Local Currency Currency Abbreviation Affiliation France FR 27 Euro EUR EU / EEA Germany DE 22 Euro EUR EU / EEA Greece GR 27 Euro EUR EU / EEA Hungary HU 28 Hungarian Forint HUF EU / EEA Iceland IS 26 Icelandic Krona ISK EEA Ireland IE 22 Euro EUR EU / EEA Italy IT 27 Euro EUR EU / EEA Latvia LV 21 Euro EUR EU / EEA Liechtenstein LI 21 Swiss Franc CHF EEA Lithuania LT 20 Euro EUR EU / EEA Luxembourg LU 20 Euro EUR EU / EEA Malta MT 31 Euro EUR EU / EEA Monaco MC 27 Euro EUR - Netherlands NL 18 Euro EUR EU / EEA Norway NO 15 Norwegian Krone NOK EEA Poland PL 28 Polish Zloty PLN EU / EEA Portugal PT 25 Euro EUR EU / EEA Romania RO 24 New Romanian Leu RON EU / EEA San Marino SM 27 Euro EUR EUR Spain ES 24 Euro EUR EU / EEA Slovakia SK 24 Euro EUR EU / EEA Slovenia SI 19 Euro EUR EU / EEA Sweden SE 24 Swedish Krona SEK EU/EEA Switzerland CH 21 Swiss Franc CHF - UK & Northern Ireland GB 22 Pound Sterling GBP EU / EEA 1 EU = European Union; EEA = European Economic Area 9 of 10

2 Not all banks in C roatia are taking part in S EP A. 10 of 10