Brochure & Order Form_Global Online Payment Methods 2012_by yStats.com

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Publication Date August 2012

Language English

Format PDF & PowerPoint

Number of Pages/Charts 219

Covered Countries North America: USA (Top Country), Canada Latin America: Brazil (Top Country), Argentina, Colombia, Mexico Western Europe: UK (Top Country), Belgium, France, Ireland, Italy, Luxembourg, Netherlands, Portugal, Spain Central Europe: Germany (Top Country), Austria, Switzerland Eastern Europe: Russia (Top Country), Bulgaria, Cyprus, Czech Republic, Estonia, Greece, Hungary, Latvia, Lithuania, Malta, Poland, Romania, Slovakia, Slovenia, Turkey, Ukraine Scandinavia: Denmark, Finland, Norway, Sweden Asia-Pacific: China (Top Country), India, Japan, Malaysia, South Korea, Vietnam, Australia Middle East & Africa: UAE, Botswana, Nigeria, South Africa

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Global Online Payment Methods 2012 August 2012

We deliver the facts – you make the decisions RESEARCH ON INTERNATIONAL MARKETS

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August 2012


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Global Online Payment Methods 2012

Key Findings

Company and Product Information

Covering more than 50 Countries & Regions worldwide

• The global mobile payment transaction volume is estimated to increase by almost three quarters in 2012, compared to 2011.

• Credit cards are projected to remain the leading online payment method in the USA at least until 2016, with debit cards taking second place.

• After credit cards, “Boleto” was the most preferred payment method of online shoppers in Brazil in the 12 month leading to May 2012.

• In the UK in Q1 2012, the most frequently used online payment method was “Credit Cards”, followed by “Debit Cards”.

• The number of digital wallets in Russia increased by more than 10% in 2011, while their transaction volume grew by almost 80% from 2010.

• In China, the third party online payment market, which was dominated by Alipay, reached a trade volume of more than CNY 750 billion in Q1 2012, following a steady increase in previous quarters.

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1. MANAGEMENT SUMMARY

3.2. Canada

• OnlineandMobilePaymentTrends,2012

• PaymentMethodsofOnlineShoppers,in%of Usage, 2010 (by Credit Card, Online Payment Services)

• ShareofRetailersabletoprocessSmartphone Payments, in % of total Retailers, Q1 2012

• NewsaboutPaysafecard,July2012

• NewsaboutUseMyServices,March2012

4.1. Regional

• OnlinePaymentTrends,2011

2. GLOBAL


• PaymentServiceProviderMarketTrends,October 2011

• MobilePaymentTransactionVolume,inUSDbillion, 2011 & 2012f

• MobilePaymentUsers,inmillions,2009,2011, 2013f & 2016f

• ShareofOnlineAlternativePaymentsontotal OnlineTransactionValue,byProductCategory,in %, 2012 & 2015f

3.1. USA (Top Country)

• OnlinePaymentTrends,2011/2012andAverage AmountspentonsingleOnlineTransactionsusing Credit Cards and Debit Cards, in USD, 2011

• BreakdownofOnlinePaymentMethods,in%of Usage, 2010-2016f (by Debit Card (Check Card), Major Credit Card, Online alternative Payment (PayPal, Google, Checkout, etc.), Prepaid or Gift Card, Store- branded Credit Cards)

• PreferredMobileandOnlineShoppingPayment Services,in%ofUsage,October2011 (by CheckFree, Credit Cards, Google Wallet (Checkout), Mazooma, Moneybookers, PayPal, Wirecard)

• CreditCardOnlinePurchaseVolumes,inUSD billion and in % annual Growth, 2010-2016f

• BreakdownofMobilePaymentBusinessModels,by Feasibility, in %, 2011

• InclinationtoPurchaseOnlineandadditional monthlyAmountSpentOnline,ifmoresecureand easy Alternative Payment Methods were available, in %, September 2011

• ReasonsformakingmoresmalldigitalPurchases underUSD25Online,in%,September2011

• OnlineShoppingConcernsofOnlineShoppers whenmakingOnlinedigitalPurchasesunderUSD 25, including Payment Concerns, in %, September 2011

3.1. USA (Top Country) (cont.)

• OnlineCreditCardPaymentFrustrationsofOnline ShoppersmakingOnlinedigitalPurchasesunder USD25,in%offrustratedOnlineShoppers, September 2011• MobilePaymentMarketTrends,April2012• ReasonsforstagnantordecliningMobilePayment Usage, in % of Mobile Payment Users, March 2012• ShareofAlternativePaymentMethodsontotal OnlinePaymentVolume,in%,2011/2012and 2014f• NewsaboutBoku,May2012• NewsaboutCorFire,January2012• NewsaboutIsis,May2012• NewsaboutParkmobileUSA,March&May2012• NewsaboutPayOne,May2012• NewsaboutUSAePay,April2012

• NewsaboutWesternUnion,March2012

3. NORTH AMERICA

4. LATIN AMERICA

4.2. Brazil (Top Country)

• PreferredPaymentMethodsinBrazil,in%of OnlineShoppers,12MonthstoMay2012 (by Boleto, Cash-on-Delivery, Debit Card)

• NewsaboutCielo,April&July2012

3. NORTH AMERICA (cont.)


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Table of Contents (1 of 9)

4.3. Argentina

• OnlinePaymentTrends,2012andShareofOnline Shoppers paying with Credit Cards, in %, April 2012

• NewsaboutDineroMailandMercadoPago,2012; including Payment Transaction Volume of MercadoPago, in USD million, 2010 & 2011

• NewsaboutTecnofinanceS.R.L.,July2012

• NewsaboutGlobalCollectandSub1,February 2012

• NewsaboutUkash,February2012

4.2. Brazil (Top Country) (cont.)

• NewsaboutMasterCardandTelefónica,November 2011

• NewsaboutMoIP,April2012

• NewsaboutNewNet,April2012

• NewsaboutPagSeguro,April2012

• NewsaboutPaymentez,March2012

• NewsaboutSafetyPayandHSBCBankBrazil, October2011

5.1. Regional

• OnlinePaymentTrends,2011/2012

• UsedOnlinePaymentMethods,in%ofOnline Shoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by Mobile Phone)

• UsedOnlinePaymentMethods,byCountry,in% ofOnlineShoppers,2010 (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by Mobile Phone)

• BarrierstoOnlineShopping,includingPayment, in%ofNon-OnlineShoppers,2010

• ShareofConsumerswithhighConfidencein OnlinePayments,in%,May2012

5.2. UK (Top Country)

• DirectCarrierBillingMarketTrends,April2012and Breakdown of Preferred Mobile Payment Methods, in % of Smartphone Users, April 2012 (by Credit Card, Debit Card, Other Payment Methods)

• UsedPaymentMethods,in%ofOnlineShoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems)

• BreakdownofOnlinePaymentMethods,by Frequency of Use, in %, Q1 2012 (by Credit Cards, Debit Cards, PayPal, Other Methods)

• BreakdownofOnlineCardPayments,byTypeof Card, in %, 2010 (by Credit Cards, Debit Cards)

• ShareofConsumershavingeverscannedaQR- Code, in % of Consumers, 2011

• NewsaboutVisa,January2012

4.4. Colombia

• NewsaboutRedebanMulticolor,February2012; including total Transactions made using Redeban Multicolor’s mobile Banking, in millions, 2010 & 2011

4.5. Mexico

• OnlineandMobilePaymentTrends,2011/2012

• OfferedOnlinePaymentMethods,in%,2011 (by Branch Deposit, Cash-on-Delivery, Credit Card, Online Transfer, PayPal, Others)

5. WESTERN EUROPE4. LATIN AMERICA (cont.)


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5.3. Belgium

• OnlinePaymentTrends,2011/2012andBreakdown ofusedOnlineShoppingPaymentMethods,in%of OnlineShoppers,April2012


• OnlinePaymentMethodsofferedbyInternetPure Players, in %, 2010 & 2011 (by American Express, Bancontact/Mister Cash, Dexia Direct Net, Diners, IDEAL, ING Home Pay, JCB, KBC/CBC Online, Maestro, PayPal, Visa and Master Card)

5.4. France

• OnlinePaymentMethods,byPopularity,in%of OnlineShoppers,2012f (by Bank Card, Cheque, Digital Wallet (PayP, etc.), Gift Voucher, Virtual Credit Card)


5.5. Ireland

• OnlinePaymentTrends,2011/2012andNumberof OnlineBankingPayments,inmillions,2010&2011


5.6. Italy

• BreakdownofOnlinePaymentMethods,in%of OnlineShoppers,2011 (by Credit Card, PayPal, Other)


• NewsaboutMyBank,May2012

5.8. Netherlands

• BreakdownofpreferredOnlinePaymentMethods ofOnlineShoppers,in%,2010&2011 (by Acceptgiro, Credit Card, Credit Transfer, iDEAL, One-off Direct Debit, PayPal, Others)


• AcceptedOnlinePaymentMethodsbyOnline Merchants, in %, 2010 & 2011 (by Acceptgiro, Cash-on-Delivery, Credit Card, Credit Transfer, iDEAL, One-off Direct Debit, PayPal)

• OnlinePaymentMethodsusedforlastOnline Purchase, in %, 2011 (by Acceptgiro, Credit Card, Credit Transfer, iDEAL, One-off Direct Debit, PayPal)

• BreakdownofpreferredMobilePaymentMethods of Mobile Shoppers, in % of Mobile Shoppers, 2011 (by Acceptgiro, Credit Card, iDEAL, Other)

5.7. Luxembourg

• UsedOnlinePaymentMethods,in%ofOnline Shoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems)

5. WESTERN EUROPE (cont.) 5. WESTERN EUROPE (cont.)


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5.9. Portugal


5.10. Spain

• PreferredOnlinePaymentMethods,in%of Internet Users, 2011 (by Bank Transfer, Cash-on-Delivery, Credit Card, Payment Platforms (e.g. PayPal, Moneybookers, Click & Buy))


• BreakdownofmainConcernsregardingOnline Shopping,includingOnlinePayments,in%of Internet Users, May 2012

• NewsaboutPayPal,March2012

• NewsaboutTelefonicaDigital,July2012

6.1. Germany (cont.)

• BreakdownofpreferredPaymentMethodsof OnlineShoppers,in%,January2011&January 2012 (by Credit Card, Invoice, Online Payment, Prepayment, Other)

• BreakdownofTrustinOnlinePaymentMethods, compared to regular Payment Methods, in % of Consumers, Q1 2012

• ReasonsforchoosinganOnlinePaymentMethod, in % of Individuals, Q1 2012

• BreakdownofpreferredPaymentMethodsin Interactive Trade, in % of Interactive Trade Shoppers, 2010 & 2011 (by Cash-on-Delivery, Credit Card, Digital Payment Methods, Direct Debit, Hire-Purchase, Invoice, Others)

• NewsabouteBayPayment,June2012

• NewsaboutOttoandYapital,March2012

6.2. Austria

• OnlinePaymentTrends,2011/2012andOnline PaymentMethodsbyPopularity,in%ofOnline Shoppers, 2006/2007 & 2010/2011 (by Bank Transfer, Cash-on-Delivery, Credit Card, PayPal, Other Payment Methods)


• NewsaboutKlarna,July2012

5. WESTERN EUROPE (cont.) 6. CENTRAL EUROPE (cont.)

6.1. Germany (Top Country)


• DirectCarrierBillingMarketTrends,April2012and Breakdown of preferred Mobile Payment Methods, in % of Smartphone Users, April 2012 (by Credit Card, Debit Card, Other Payment Methods)


6. CENTRAL EUROPE

6.3. Switzerland

• BreakdownofpreferredPaymentMethodsin Interactive Trade, in % of Companies, 2010 & 2011 (by Credit Card, Debit Card, Invoice, Prepayment/ Cash-on-Delivery)


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7.1. Russia (Top Country)


• MostpopularnationalandinternationalElectronic Payment Systems, 2011

• AwarenessandUsageofPaymentMethods,in%, March 2012 (byBankCards,E-Money,InternetBanking,Offline Terminals, SMS Payments)

• E-MoneyTrends,2011/2012

• NumberofdigitalWallets,inmillions,2009-2011f andtotaldigitalWalletTransactionVolume,inRUB billion, 2009-2012f

• E-MoneyUsage,byCategory,in%ofE-Money Users in Urban Areas, March 2012

• E-MoneyServiceAwareness,in%ofConsumersin Urban Areas, March 2012 (by [email protected], PayPal, QIWI Wallet, WebMoney, Yandex.Money)

• E-MoneyServiceUsage,in%ofConsumersin Urban Areas, March 2012 (by [email protected], PayPal, QIWI Wallet, WebMoney, Yandex.Money)

• NewsaboutPayPal,August2011

• NewsaboutVimpelComandAlfa-Bank,June2011

• NewsaboutYandex.MoneyandEarthport,July 2012

7.3. Cyprus

• UsedOnlinePaymentMethods,in%ofOnline Shoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems)

7.4. Czech Republic


• MobilePaymentTrends,2011

7. EASTERN EUROPE 7. EASTERN EUROPE (cont.)

7.2. Bulgaria


• ShareofInternetusingCardholderspayingBillsor makingPurchasesOnline,in%ofCardholders using the Internet, Q1 2012

7.5. Estonia

• OnlinePaymentTrends,Q12012


• Breakdownofmostpopularnon-CardPayment Methods, in % of Individuals, Q1 2012

• GrowthinNumberofTransfersofnon-Card Payment Methods, in % Growth, 2012 vs. 2007

7.6. Greece

• UsedOnlinePaymentMethods,in%ofOnline Shoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by Mobile Phone)


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7.7. Hungary


• NewsaboutPayU,July2011

7.11. Poland

• OnlinePaymentMethodsbyPopularity,in%,2011 (by Bank Transfer – On the Basis of an Invoice, Bank Transfer - Prepayment, Cash-on-Delivery, Credit Card/E-Card, Payment System (for Example DotPay, PayPal), I Don’t Know/ Hard to Tell, Other)


• AvailabilityofPaymentMethodsinOnlineShops, in %, 2008-2010 (by Bank Transfer, Credit Card Payment, Micropay ments per SMS, Payment in Installments, Payment upon Receipt, Quick Internet Transfer, Other)

• PaymentMethodsinOnlineShops,byPopularity, in %, 2009 & 2010 (by Bank Transfer, Credit Card Payment, Micropayments per SMS, Payment in Installments, Payment upon Receipt, Quick Internet Transfer, Other)

• OnlinePaymentCooperationPartnersofOnline Shops, in %, 2008-2010 (by DialCom24 Sp. z o.o., Did not cooperate with any Company, Dotpay S.A., eCard S.A., First Data Polska S.A., PayPal Polska Sp. z o.o., PayU S.A., Other)

7. EASTERN EUROPE (cont.) 7. EASTERN EUROPE (cont.)

7.8. Latvia


7.12. Romania

• OnlinePaymentTrends,2011/2012andOnline Payment Volume, in EUR million, Q1-Q3 2010 & Q1-Q3 2011


• OnlinePaymentMethods,byPopularity,in%of Internet Users in Urban Areas, 2011 (by Cash-on-Delivery, Credit Card)

7.9. Lithuania


7.10. Malta

• UsedOnlinePaymentMethods,in%ofOnline Shoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems)


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7.13. Slovakia


• NewsaboutTrustPay,July2012

• NewsaboutAdyenandTrustPay,July2012

• NewsaboutUniCreditandGemalto,July2011

8.1. Denmark

• OnlinePaymentTrends,2011andAverageAmount spentOnlineviaDankort,inDKK,2010&2011

• BreakdownofOnlinePaymentMethods,in%of OnlineShoppers,2011 (by Credit Card/Dankort, Direct Payment via my Bank, Invoice, PayPal or similar)


• NewsaboutUkash,February2012

7. EASTERN EUROPE (cont.) 8. SCANDINAVIA

8.2. Finland

• BreakdownofOnlinePaymentMethods,in%of OnlineShoppers,2011 (by Credit Card/Dankort, Direct Payment via my Bank, Invoice (after Delivery), PayPal or similar, Others)

• UsedOnlinePaymentMethodsofOnlineShoppers, in %, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, Credit/Charge Card, Debit Card, Direct Debit, On line Payment Systems, Payment by Mobile Phone)

7.14. Slovenia


7.15. Turkey

• MobileBankingandPaymentMarketTrends, December 2011

• TotalNumberofE-CommerceTransactionsmade with Domestic Cards, in millions, 2007-2011 and Volume of E-Commerce Transactions made with Domestic Cards, in TRY billion, 2007-2011

• NewsaboutExpressDigitalWallet,June2012

• NewsaboutPaysafecard,June2012

7.16. Ukraine

• NewsaboutGlobalMoney,June2012

8.3. Norway

• BreakdownofOnlinePaymentMethods,in%of OnlineShoppers,2011 (by Credit Card/Dankort, Direct Payment via my Bank, Invoice (after Delivery), PayPal or similar)


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8.4. Sweden

• BreakdownofOnlinePaymentMethods,in%of OnlineShoppers,2011 (by Credit Card, Direct Payment via my Bank, Invoice (after Delivery), PayPal or similar, Others)

• UsedPaymentMethods,in%ofOnlineShoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by Mobile Phone)

• MobilePaymentTrends,2011/2012

9.2. China (cont.)

• BreakdownofOnlinePaymentSafetyIssues,in% of affected Users, 2011

• BreakdownofCustomerLoyaltyafterEncountering Safety Issues, by Payment Provider, in % of affected Users, 2011

• MobilePaymentTradeVolume,inCNYbillionandin % annual Growth, 2010-2014f

• NumberofMobilePaymentUsers,inmillionsandin % annual Growth, 2010-2014f

• NewsaboutAlipayandComputop,July2012

• NewsaboutPayPal,March2012

• NewsaboutChinaUnionPay,February,May&June 2012

8. SCANDINAVIA (cont.) 9. ASIA-PACIFIC (cont.)

9.3. India


9.2. China (Top Country)

• ThirdPartyOnlinePaymentTradeVolume,inCNY billion and in % annual Growth, Q1 2011- Q1 2012

• BreakdownofThirdPartyOnlinePaymentMarket, by Registered Users, in %, Q1 2012 (by 99Bill, Alipay, ChinaBank Payment, IPS, PayEase, Tenpay, Yeepay, Others)

• BreakdownofThirdPartyOnlinePaymentMarket, by Trade Volume, in %, Q1 2012

(by 99Bill, Alipay, ChinaBank, China PNR, China UnionPay, IPS, PayEase, Tenpay, YeePay, Others)

• BreakdownofOnlinePaymentUsers,byGender, in % of Users, 2011

• BreakdownofOnlinePaymentUsers,byAge Group,in%ofOnlinePaymentUsers,2011

• ShareofOnlinePaymentUsers,in%oftotal Internet Users, 2011 and Breakdown of Reasons againstOnlinePayments,in%,2011

• MainOnlinePaymentSafetyConcerns,in%,2011

9.4. Japan

• OnlinePaymentTrends,2011/2012andAmountof Money issued by Plastic Prepaid Cards, in JPY billion, 2010 & 2011

• ValueoftheElectronicPaymentMarket,inJPY trillion and in % annual Growth, 2011-2016f

• NewsaboutDataCash,April2012

• NewsaboutPayPal,May2012

9.1. Regional


9. ASIA-PACIFIC

9.5. Malaysia


• NewsaboutPayPalandMalaysiaAirlines,July2012


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9.6. South Korea

• PaymentMethodsinB2CE-Commerce,in%,Q2 2010, Q1 2011 & Q2 2011 (by Credit Cards, E-Money, Money Transfers, Others)

• NewsaboutWonCorporation,July2012

10.1. Middle East Regional

• OnlinePaymentTrends,2011/2012andReasons againstOnlineShopping,includingPayment,in%, 2011

• NewsaboutPayPal,June2012

9. ASIA-PACIFIC (cont.) 10. MIDDLE EAST & AFRICA

10.2. UAE

• OnlinePaymentMethods,byPopularity,in%of OnlineShoppersusingCreditandDebitCards,July 2011 (by Mastercard, Third-Party Payment Sites (eg Pay Pal), Visa)

9.8. Australia


• BreakdownofOnlineShoppingPaymentMethods, in%ofOnlineShoppers,June2011 (by Both Credit Card and Money Transfer Services, Credit Card only, Money Transfer Services only (e.g. PayPal), Neither)

• OnlinePaymentMethods,byPopularity,in%of Inhabitants, 2011 (by Credit Card, Debit Card, Direct Debit/Transfer, PayPal)

10.3. Africa Regional

• MobilePaymentTrends,2012

9.7. Vietnam

• NewsaboutBPCBankingTechnologiesandOcean Bank,October2011

• NewsaboutOnePay,June2011&February2012

10.6. South Africa

• NewsaboutMasterCardMobile,April2012

• NewsaboutPayU,July2012

10.4. Botswana


10.5. Nigeria

• BreakdownofOnlinePaymentMethods,in%of Internet Users, 2010

(by ATM, Mastercard, Visa, All)


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We deliver the facts – you make the decisionsRESEARCH ON INTERNATIONAL MARKETS

73

In Mexico, “Credit Card” (68%) was the most offered online payment method in 2011, followed by “Online Transfer” (29%).Mexico: Offered Online Payment Methods, in %, 2011(by Branch Deposit, Cash-on-Delivery, Credit Card, Online Transfer, PayPal, Others)

Note: based on a survey of 80 online retailersSource: AMIPCI, 2012

18%

27%

68%

29%

14%

13%

0% 20% 40% 60% 80% 100%

Others

Cash-on-Delivery

PayPal

Branch Deposit

Online Transfer

Credit Card

We deliver the facts – you make the decisionsRESEARCH ON INTERNATIONAL MARKETS

54

In July 2012, online prepaid payment expert Paysafecard expanded into the Canadian market, offering prepaid payment solutions.Canada: News about Paysafecard, July 2012

Source: Paysafecard, July 2012

In July 2012, Austrian and German online prepaid paymentexpert Paysafecard expanded into the Canadianmarket. Since its establishment in 2000, the companyalready serviced 31 markets as of July 2012 and hasbecome the leading prepaid payment provider in Europe.

Paysafecard enables purchases of online prepaidvouchers, which can be used as online currency. Theservice does not charge transaction fees to clients.

Vouchers can be acquired at distribution partners ofPaysafecard, such as retail outlets.

The company hoped to trigger an expansion of theCanadian E-Commerce market, by providing safe paymentsolutions, thus reacting to customers’ security concerns.

Moreover, Paysafecard is a suitable payment method formicro transactions, which will increase as the Canadianonline gaming market becomes increasingly monetized.


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3.5 All payments shall be due and payable within thirty (30) days following the date of our invoice without any deductions. The customer will be in default one day after the expiry date without any further warning notice being required.

3.6 All customers‘ rights of retention or set-off are hereby excluded to the extent that they are not based on the same contractual relationship. Retentions or set-offs are allowed only if the customer‘s claim is nondisputed or has become unappeasable.

3.7 In the event of a customer‘s default in payment or other apparent credit unworthiness, all remaining claims against that customer shall become immediately due and payable in full. Weshallthenbeentitledtorescindpaymenttermspreviouslyagreeduponandtodemandpayment in advance or other appropriate security with respect to pending deliveries. A customershallbedeemedunworthyofcreditinparticularwhenhefilesapetitioninban-kruptcy or composition proceedings.

4. INTELLECTUAL PROPERTY RIGHTS AND INDEMNITIES4.1 All copyrights and other intellectual property rights in connection with our Products remain

with us. All data carriers remain our property. The customer may not modify, publish, trans-mit, transfer or sell, reproduce, create derivative works from, distribute, perform, display, or in any way exploit any of the Products made available by us, in whole or in part, except as expressly permitted under the Contract.

4.2 Upon delivery of the Products to the customer and payment of the agreed fee, the customer obtains a non-exclusive, non-transferable, perpetual, worldwide right to use the Products provided to the customer for its internal purposes or any additional purposes set out in the OrderForm.ArighttoresellourProductsrequiresourpriorwrittenapproval.

4.3 Intheeventthatthepartiesagreeona“SingleUserLicense”undertheOrderForm,thismeans that only one individually named user of an organization shall be entitled to access thereport.Intheeventthatthepartiesagreeona“SiteLicense”undertheOrderForm,thismeansthatalluserswithinagivengeographicallocation(asspecifiedintheOrderForm)of an organization shall be entitled to access the report. In the event that the parties agree on a “Global Site License”, this means that all worldwide users of an organization shall be

entitled to access the report. In both cases, the term “organization” refers to the company of thespecificcustomeronlyandexcludesanythirdpartiesincludingaffiliates.

4.4 Wemustexpresslybenamedastheauthorofanydatathecustomerprocessesfurtherascontractually negotiated.

5. TECHNICAL INFORMATION5.1 WeshallprovideourProductsinstandardizeddataformats.5.2 The customer must ensure that he has the corresponding technical resources to make use of

these data. The customer may not derive any claims in this connection on grounds of breach of obligation.

6. DEFECTS AS TO QUALITY6.1 Noclaimsfordefectsastoqualityaretriggeredbyinsignificantdiscrepanciesbetweenour

productsandservicesandthewarrantedqualityorfitnessforuse.6.2 Likewise, no claims for defects as to quality may be derived from entrepreneurial risks –

e.g., with regard to questions of entrepreneurial discretion, an erroneous assessment of the market situation or the failure to recognize a business action’s merit.

6.3 Defect-based claims are further excluded in cases of excessive or improper use or in connec-tionwithdamagescausedbyextraordinaryconditionsnotreflectedintheOrderForm.Thisis also true in cases of subsequent changes made by the customers or third parties unless such changes do not affect the analysis and removal of a given defect.

6.4 Claims for defects as to quality expire within one year from the commencement of the legal statute of limitation. This limitation does not apply to the extent that applicable law stipu-lates a longer period in cases of intentional or grossly negligent breaches of duty on the part of us, fraudulent concealment of a defect and injuries to life, body and health.

6.5 Claims for damages and the reimbursement of expenditures are further subject to Section 8.7. LEGAL DEFECTS7.1 Weareliableforproductsandservicesinfringingonthird-partyrightsonlyifandtothe

extent that our products and services are used in accordance with the agreed contractual requirements.

7.2 Unless agreed otherwise, our liability for the infringement on third-party rights is limited to the territory of the European Union and the European Economic Area as well as the place of itsservices’properuseasagreedundertheapplicableOrder.

7.3 In the event that a third party asserts claims against the customer, alleging that a service performed by us violates its rights, the customer shall promptly notify us. If a service rendered by us violates thirdparty rights, we shall choose one of the below actions, duly taking into consideration the customer’s interests:

a)procuringforthecustomertherighttousetheservice; b)revisingtheservicetorenderitfreeoflegalviolations;or c) withdrawing the service and refunding to the customer any related compensation paid,

as adjusted by an adequate user fee, if we cannot effect another remedy at a reasonable expense.

7.4 Upon our request, the Customer shall assist us with the defense against claims according to this section 7, with us reimbursing the Customer for any expenditures and costs incurred as a result, although each of the Parties bears the costs of the use of its own personnel.

7.5 Claims the Customer may hold for legal defects expire in accordance with Section 6.4.7.6 Claims for damages and the reimbursement of expenditures are further subject to Section 8.8. LIABILITY8.1 In cases of intentional misconduct and gross negligence, we are fully liable pursuant to

applicable law.8.2 Ourliabilityincasesofsimplenegligenceislimitedasfollows:weareliableonlyifandto

the extent that we violated a material contractual obligation (cardinal obligation) – i.e., an obligationthat(i)theCustomerreasonablyrelieduponatexecutionoftheapplicableOrderFormand(ii)wasofcriticalsignificancetotheoutcomeofperformance.Asregardspropertydamageandfinancialloss,suchliabilityislimitedtotypicalandforeseeabledamages;innoevent will we be liable for any incidental, special, punitive or consequential damages, loss of profitsorlossofdatainsuchcase.

8.3 Ourliabilityfordamagesunderwarranties(Beschaffenheitsgarantien)islimitedtoinstancesin which the warranty expressly includes such liability.

8.4 Claims for the reimbursement of expenditures and other liability claims asserted by the Customer against us are subject to sections 8.1 through 8.3.

9. CONFIDENTIALITY9.1 ThePartiesshallholdinstrictconfidenceforanindefiniteperiodoftimealldataand

information materials of which they gain knowledge as part of a Contract, be it orally, in writing or otherwise, directly or indirectly, provided that such data or information materials aredesignatedconfidentialormustbeconsideredconfidentialbasedontheirnature,andshallusethemexclusivelyaspartoftheservicescoveredbytherelevantOrder.Thisdutyofconfidentialityexcludesdataandinformationmaterialsthat:

a)werealreadyknownoraccessibletoanythirdpartyatthetimeofdisclosure; b) one of the parties legitimately receives from a third party following disclosure, and such

thirdpartyisnotboundbyadutyofconfidentialityinrelationswiththeotherParty; c) must be disclosed by order of and to a government agency or another competent third

party;and d) must be disclosed to legal or tax advisors of the contractual customer in question for

consulting purposes. In the cases of Sections c) and d), the parties shall (i) promptly inform each other about a

givenrequestandpriortodisclosingconfidentialinformation,and(ii)limitthedisclosureofconfidentialinformationtotheminimumrequired.

9.2 WemayusetheCustomerasareferencesolongasnocontractualdetailsaredivulged.10. JURISDICTION, GOVERNING LAW, MISCELLANEOUS10.1 Place of payment is Hamburg, Germany.10.2 All disputes arising from or in connection with any Contract between the parties shall be

resolved through the courts of Hamburg. Governing law is German law.