1. Mobile Financial Services Olivier Cognet, Head of Business Development Corporate Development Office

2. Page 2 © 2008 Nokia Mobility will Change ‘My Financials’ Person to Online Merchant Payment Person to Physical Merchant Payment Person to Person Payment Account Manage- ment Consumer uses mobile to review transactions on bank account and credit card Merchant to Person “Payment” Consumer uses mobile to purchase ring-tone, ticket from Amazon. A location based or entertainment service from Nokia Ovi.com Consumer uses mobile to purchase groceries at Metro; Merchant uses mobile channel to offer consumer loyalty points, coupons, targeted ads Give 5 Euro to my daughter. Send relative in Finland 100 Euro from France User estimate global - 2012 440M330M50M150MN/A Source: Juniper Research “Mobile Financial Services” Feb 2008, CDO BD ¥ € $

3. Page 3 © 2008 Nokia Mobile Financial Services will enable new behaviors Citizen more in control of his/her financial resources Facilitate commercial interaction Use E-Payment versus Cash Everyone become a merchant Bank the under-banked Fluidity & traceability in the economy ¥ € $

4. Page 4 © 2008 Nokia Barrier to Deployment Security, Trustworthy-ness Intuitive usage, Convenience Relevance

5. Page 5 © 2008 Nokia Secured/Trustable access to ‘My Financials ‘ Accessible from a wide range of phones Leverage different telecom connection Consolidated view of all my accounts & services Multi-channel/Multi-level authentication/encryption Secured authentication recognized by banks and trusted by users Open & standard platform & protocols to reach existing financial institutions and new services platforms Entry Connect Explore Achieve LifeStyle

6. Page 6 © 2008 Nokia Convenience, Intuitive Usage, Relevance Easy, Intuitive, Human technologies in all type of phones Unique user experience for a wide range of services & application All my bank accounts, €£¥$ transfer to my contacts, calendar,… Seamless transaction validation for payment & coupons Integrated experiences with web browsing, messaging/SMS, maps, entertainment services Mobile context & location to enable local services Open Device & Service platform enabling Applications

7. Page 7 © 2008 Nokia Expandable Applicability Secured, Trustable, Intuitive Open Service Platform ‘Being connected & monitored’ HealthCare/Wellness E-Government ‘Distribution of pension in India’ Education

8. Page 8 © 2008 Nokia Thank you ! Olivier.Cognet@nokia.com +1 914 841 9359