1. WelcomesZanaco 2009

2. Chessinvolvement in payments Internet payments Mobile payments Point of sale payments E-invoicing Factoring, leasing, treasury management etc Strong footprint in Dutch financial markets, transport, sports and events

3. Chess M2M secure solutionscompetences Specialist paymentsecurity, paymentschemes, contactlesstransactions, M2M communication. Marketsservices formobility, transport, retail and financialinstitutions. Servicesproducts, integrationprojects, all related services, production and consultancy.

4. Chess The American School the Hague Closedcashless NFC system Multifunctional NFC cards/phone, accesscontrol, use lockers. BackofficeRaboMiniTix, autoreload, transactionhistory via internet. ChessSupply NFC readers, terminalhost, interface to RaboMiniTix, vending controls, services, consultancy, userinstruction. Thispilot has been directlyextended to full production!

5. Chess Amsterdam ArenA New paymentsystemfor chip and NFC Mobile sales, event cashregister, fieldsales, as extensionon Cashregister. Functions; purse display, payments, reimbursement. ConsultancyChessresponsablefordeveloppingsecurity- architecture, requirementsfor the paymentsystem, connection to Smart Stadium Concept. Nextconnec Ajax season clubcard to paymentsystem.

6. Complete ICT service forselling, creating, controllingacces rights Functionalityproductcreation, stadiumlay-out, crm, Central business rules, webshop, supporter site, internetsales, shopsales, stadiumsales, card management, online payments, integrationwithfinancial and accesscontrolsystems, etc. SpecificsKNVB + 38 professional football clubs, 7 yearsapplication lifecycle management + managedapplicationhosting, high performance services due to peakrequests 1 mlnseazoncardholders

7. Zanaco Zambia Current Dutch paymentchannels After 25 years major effort to establish electronic payments 250 K POS terminals 2.000 mln debit card payments 500 mln ATM withdrawals More than 100 card payments per capita/17 mlncapita 9 mlninternetbanking users 150 banks, multiple bankaccounts per capita But still 5.500 mln cash payments!

8. Zanaco Zambia Current Dutch paymentchannels To many cards SEPA standards Innovation is hard work E-commerce fast growing but only 75 mlntransactions iDEAL success

9. Zanaco Zambia Current Dutch paymentchannels Mobile payments Payment initiation and confirmation via mobile Difficult business case in NL AH2Go NFC

10. ‘Addnewtransactionchannel and P2P to existingbackoffice’ FunctionalityPerson 2 person and B2C payments, Couple mobile ID to MTX account, couple SMS gateway, mobile payments interface and applications. ResultsGrowth in Rabo Mobile customers, huge media exposure, Understanding mobile payments in maturemarket, new cases / pilots RecognitionFinalist innovationawardEuropeanPayments CouncilAssociation (2009, EPCA conference Berlin)

11. RaboMiniTixbackoffice B Remote Community Proximity Online

12. Zanaco Zambia Dutch leasonslearned Cash payments are a long and tough fight Growth e-payments are based on trust in the system Strong customer authentication and -control is key Payments are a means to attract customers A bank account/bank owned application is core

13. Zanaco Zambia Dutch leasonslearned A widespread infrastructure is an asset and a burden In a mature market innovation only has short term effects Standardization is necessary Keep the payment portfolio simple Keep business rules and fraud prevention central

14. Zanaco Zambia Someideas Security and trust are key assets in the bank consumer relation cherish them Position the bank account as valuable for bank and consumer Add a starter relationship based on payments, salary and cash deposits (MTX) Be innovative and gain large marketshare (non mature market) Cooperate with telco’s, strong institutions, brands, affiliates, who offer trust, loyalty and large scale customerbases Reuse existing ID’s, multiple ID’s connected to one account

15. Zanaco Zambia Someideas Educate potential customers perhaps via loyalty programme Focus on macro payments (trust) and remote payments Guarantee payments Investigate reuse of NRC for authentication Focus POS infrastructure on strategic points (heavy traffic) and low cost technology

16. Contact Lichtfabriekplein 1 2031 TE HAARLEM The Netherlands T +31 (0)23 5149 149 F +31 (0)23 5149 199 W www.chess.nl E info@chess.nl