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2. THE NORTHERN EUROPEAN LEADER IN PAYMENTS, CARDS AND INFORMATION SERVICES  New markets  New competitors  Competences Market orientation Pre-merger, the portfolio of Payments, Information and eSecurity had a national orientation while the ambition for Nets was European. Need for change. Challenge or fear?

3. THE MARKET IS CHARACTERISED BY EU REGULATIONS, GLOBALISATION AND INCREASED MOBILITY  International regulations and globalisation of standards  Cross-border consolidations  Always online – always available with the mobile Increasing change

4. Banks are being challenged Large IT-investments … to ensure compiance, but also enhanced efficiency Aggressive players … with powerful distribution want to enter the value chain Old architecture Expensive to manage and makes supplier independe difficult Complex customers With needs for tailormade solution and international reach. Creation of effective digital processes. High demand for comptence B2C has reached a balance Between willigness to invest Challenged by players with leaner distribution channels

5. Our strategic approach - enhance the bank’s competitiveness x Stable and secure operations x WE BRING NORWEGIAN BANKS TO EUROPE … HENCE ENABLING NORWEGIAN BANKS TO TAKE AN ACTIVE PART IN MARKETS OUTSIDE NORWAY WE BRING INTERNATIONAL AND COMPLIANT SOLUTIONS TO NORWAY … WHICH GIVE NORWEGIAN BANKS THE BENEFIT OF SCALE AND SCOPE ECONOMIES ON A GLOBAL LEVEL

6. Key strategic initiatives Future payment and information landscape eSecurity landscape ISO-based payment platform Global reach New models of co-operation E-commerce and mobile 6 // payments // invoice

7. Strengthening as-is solutions - Payment & Invoice New net banking applications B2C e-invoicing: Universal sign-on B2B e-invoicing: Implementation support B2B e-invoicing: Activation of suppliers SEPA direct debit 7 // payments // invoice

8. ‘My economy’ – all transactions according to defined categories 8 Min økonomi

9. Electronic customer agreements

10. Creating growth in new areas - Payments & Invoice B2B – new measures for expansion of scope and reach New architecture. CT-ISO 20022 Closing gaps in the value chain Mobile wallet Assessment of opportunities for ERP-integration 10 // payments // invoice

11. Banking services by Nets Nets and SDC both deliver modulised solutions Many of the solutions are already integrated with 3rd party suppliers The banks can tailord a holistic solution in line with the banks’ strategic direction 11

12. Strenghening as-is solutions - eSecurity & Information Nets Share / e-Boks Multi-platform mobile OTP approved by BSK E-id on smart cards Secure online B2b agreements Etablere modulbasert tjenestetilbud ihht bankenes målbilde. Several different certificates Development of a module-based offering in line with the bank’s objectives 12 // payments // invoice

13. eSecurity & Information - selected projects NETS SHARE: 5 LARGE CUSTOMERS ON BOARD SIGNATURES FOR DNB AND NORDEA ON THE CORPORATE LEVEL. 400 NOK SAVING PER TRANSACTION MOBILE ONE-TIME PASSWORDS FOR ALL PLATFORMS (SPARBANK 1) PKI BASED AUTHENTICATION AND SIGNATURS FOR GLOBAL CUSTOMERS. (STATOIL, DNA, DNB) SELECTED PROJECTS

14. Go for Nets! Secure and stable operations A strategic payments partner with tailored models of cooperation A hub for invoicing in the Nordic market strengthening the banks internet banking solutions Nets gives the banks freedom of choice and the opportunitity to focus on diffentiation, and not only bread and butter services Digitalisation of manual processes. Combining eSecurity and information services

15. 15 Thank you! Mette Kamsvåg Grimstad Group Vice President mkgri@nets.eu