MobileMonday Shanghai 34 Now playing 5 Coming attractions 15 In The Pipeline Mobile Payment and Transactions March 12th, 2007 David Huang, Solutions Manager, NFC Solutions NOKIA

 NFC Phone Evolution  Nokia’s Efforts in NFC Ecosystem Build-up  Latest NFC Trials Agenda

NFC Phone Evolution  Yesterday and Now: N NFC Shell  Available since: 2005, mainly for trials  Antenna, NFC Chip, Secure Chip built into NFC Shell  Now: 6131 NFC  Announce at CES 2007, available soon  Antenna, NFC Chip, Secure Chip built into Phone  Tomorrow’s Mainstream: ?  Available (est): 2008  Antenna, NFC Chip built into Phone, Secure Chip integrated with SIM/UICC  SWP Links NFC Chip and SIM/UICC  Standardization on-going at ETSI  Without Secure Chip: 5410i + NFC Shell  Available since: 2006  Antenna, NFC Chip built into NFC Shell, no Secure Chip  For reader-centric applications

Nokia NFC Efforts  NFC Phone Applications  Service Discovery  Touch to SMS, Touch to Call, Touch to Get Ringtone  B2B NFC Service/Solutions  Work Force Solutions  Home Care  Security & Guarding  Logistic Management  Anti-counterfeit  Protect fake products  Consumer-friendly way to authenticate a product  Ecosystem Enabler  Venyon  Established jointly with G&D, operation independent of parent companies  To provide comprehensive NFC OTA services  Act as Trusted Third Party for managing security and provisioning confidential contents across various co-operating ecosystem players

Latest NFC Trials  Xiamen, China:  Application: Transit Card  Partner: eTong, CMCC Xiamen Branch  Since: June 2006  Highlights:  Use NFC phone anywhere accepts eTong card  Use NFC phone to read balance and transaction logs  Next:  OTA eTong card issuing & card top-up  Shanghai, China  Application: Layalty Card  Partner: UnionPay Merchant Services  Since: August 2006  Highlights:  Use NFC phone anywhere accepts UnionBonus card  UnionBonus card issued Over The Air (OTA)

Latest NFC Trials  New York, US  Application: Paypass, Bank Credit Card  Partner: CitiBank, Cingular, MasterCard, Universal, ViVOTech  Since: January 2007  Highlights:  Use the latest 6131 NFC  Over 300 volunteer CitiBank and Cingular customers participated  Paypass issued Over The Air (OTA) on spot minutes after customer signed service agreement  6141 NFC + Paypass can be used anywhere accepts Paypass