1. PRESS KIT 2015

2. 2 What is Zaimo? Zaimo is the online loan platform that offers personalized short and mid-term loans and other financial products. In order to offer a more convenient service the application is completely online and available at anytime and anywhere. Driven by German technology, Zaimo answers the customers’ needs with reliable and convenient product – from installments and credit cards to flexiCredits and eWallets. The brand is available in three different countries with completely different cultures: Spain, Poland and Czech Republic.

3. 3 German Technology The creditworthiness of each applicant is determined using the scoring technology developed by the German parent company Kreditech, which processes the loan applications via its proprietary Big Data Scoring Algorithm. The algorithm analyzes more than 20.000 data points in less than a minute. If approved, the applicant receives a loan plan where the conditions of the credit are clearly specified, and the money is transferred within 12 minutes.

4. 4 Online Lending for the 21 st Century Customers are demanding faster, easier and more convenient ways to get financial services. “Digital” is the new buzz word in the banking sector, as the automation of online banking makes it possible to have a 24/7 access to financial services anywhere. However, despite the potential of the digital banking, the customers and their needs are still the core of the digital financial services. Zaimo meets the needs of the users of the 21st century, offering its products anytime, anywhere, quickly and completely online. Taking into account that 74% of the individuals in the world do not have a credit evaluation, which means billion people do not have access to a loans as the risk of conceding them a credit cannot be calculated by the traditional banks, big Data covers a big gap in the finance sector.

5. 5 Zaimo attaches utmost importance to trust, acceptance, and empathy amongst the consumers. Therefore, Zaimo offers fast and convenient loans, but one of our major concerns is to provide a sustainable online lending with a strong focus on delivering a transparent service. The individualized arrangement is completely transparent and clearly presented. The cost of the loan and the period to return the money are given before and there are no hidden taxes. Sustainable, reliable and responsible finance products

6. 6 Zaimo offers sustainable and individualized online lending products. Each consumer can apply for a loan of up to 25 000 CZK and decide for the period of the credit. The system is 100% online and completely automated. Product Page

7. 7 What does it mean that Zaimo is a personalized product? Zaimo is a unique product in the market that adapts to the needs and characteristics of our customers. Our system analyzes more than 20.000 data points in seconds to determine the solvency and the circumstances of each of the applicants of a Zaimo credit. Depending on the results of the analysis it generates an exactly the product the customer requires, which would be different in each case. How do you decide whether a customer receives a loan or not? The system is based on the analysis that rates the risk of the credits upon more than 20.000 data points of the applicants. The clients fill a form giving some basic information, and, afterwards, the algorithm analyzes it alongside with the data about the applicants that is available on the Internet. Frequently Asked Questions

8. 8 Which is the difference between Zaimo and other products of other companies that offer similar services? Zaimo operates with a scoring system that analyzes more than 20.000 data points and does not need any paperwork to apply for a credit. For that reason, it is a faster and much more flexible system that allows the customer to get the money within 12 minutes. Besides, the most relevant innovation of Zaimo is that it offers an individualized service to each applicant, alongside with a personalized price, transparent a fair in every granted credit. Are you a bank? Zaimo is not a bank. We have been founded in order to offer financial products that are reliable and sustainable in all situations in life. By providing the money quickly and independently from opening hous and offices, customers can cover urgent and unexpected costs without a lot of paperwork and bureaucracy – so basically we offer all that banks have not been able to provide. We are a high-tech company that provides a broad range of financial services in the field of BIG DATA scoring to cover all needs of 21st century customers. Frequently Asked Questions

9. 9 Who We Are Zaimo is brand owned by Kreditech Česká republika s.r.o. which is a subsidiary of the German fintech company Kreditech. It provides personal online loans in Czech market through its website Zaimo.cz. Jakub Škrabánek Country Manager Email: jakub@kreditech.com Adéla Jelínková Press Contact Email: adela@kreditech.com