1. Company Confidential Nokia Phone Financing Program 2009 RBAP-MABS National Roundtable Conference May 12-13, 2009 Hyatt Hotel and Casino Manila John Quimbo President, Altus Communications

2.  Limited mode of transportation  High cost of communication  Presence of a middleman in every business transaction  Limited access to market information  Limited access to banking facilities Before Technology:

3. Technological Advances Are Allowing The People in the Rural areas to respond in new and efficient ways:  Mobile devices – for both buyers and sellers, to aid in personalized and faster transactions and enable higher levels of service.  Wireless payment alternatives – To reduce transaction costs and provide added convenience to customers.

4.  Using this technology can bridge a long distance communication  Provides fast and easy transaction with banks  Buyers or sellers can respond with speed to any customer demand and market opportunity.  Allows rural banks to expand their services to clients in rural areas without increasing costs or taking on additional risk  Saves time, money, and energy Technological Advances Are Allowing The People in the Rural areas to respond in new and efficient ways:

5.  The leading brand in mobile devices  Has a dominant market share  Appointed distributor of NOKIA devices in 2007.  Have strategic warehouses  Presence of retail partners nationwide  Has a stronghold in the distribution business.

6. It’s a program for rural bank customers in the countryside that gives them access to a Nokia mobile phone through very easy financing terms provided by rural banks. What is Nokia Phone Financing Program?

7. How Does It Work? 1.Rural bank customer secures a loan from the rural bank to purchase a Nokia mobile phone. Loan policy is determined by the rural bank including payment terms and interest rates. We recommend something that’s easy to understand and communicate. E.g. Bangko Kabayan provide 6 and 12 month installment terms at 12%pa interest rate. 2.Rural bank customer goes to the appointed Nokia partner retailer to retrieve the phone with the Notice of Loan Approval from the rural bank.

8. How Does It Work? 3.The appointed Nokia partner retailer collects payment from the rural bank. 4.Rural bank starts collecting monthly installment from the customer. 5.Nokia provides marketing materials such as banners, posters and flyers to promote the program to the local market.

9. Participating Rural Banks BK Participating Branches: Batangas Ibaan Mabini Rosario San Jose San Pascual Lemery GM Participating Branches: Cabanatuan Tarlac

10. How Can a Rural Bank Enroll in the Program? The rural bank can contact Nokia’s authorized Distributor for the Nokia Phone Financing Program. Mac Dang, Altus Communications +639177951200 or mgdang@altus.com.ph Rural bank has to sign a Memorandum of Understanding with Nokia’s authorized Distributor and the appointed Nokia partner retailer/s.

11. Thank You!