Alcatel-Lucent presentation at the GSMA Mobile Money Summit - Rio De Janeiro, May 2010: Anthony Belpaire explained the barriers and opportunities to revenue growth and churn reduction for mobile operators launching mobile wallet projects.

1. Mobile Wallets Barriers and Opportunities to Revenue Growth and churn reduction for MNO By 2015, 1.4 billion people will be using mobile wallets - Edgar Dunn Company

3. Global but regional (country) specific STARTING point Smart Phone and App Stores Convenience on low feature phone Low cost & ubiqitous security Technology eMoney license Mirrored SVA SIM rental Bank lead regulation Mirrored SVA Regulatory B2B2C / B2C B2C Model Innovative services (payment+ APIs): e.g remote ordering Partnership with CC (issuing) or acquiring networks MNO airtime agents MTO network agreement Bank / Post agreement Agent / Merchant network Coin replacement (parking, vending) Proximity payment and marketing (loyalty & couponing) Mobile money transfer (P2P,P2B, G2P) International money transfer Applications Developed Emerging € €

4. Alcatel-Lucent Mobile Wallet Service Vision 1.4 billion wallets for banked and un-banked by 2015 (EDC, 2009) Proximity payment Remote ticketing Mobile marketing E- and M-commerce Person to person payment International remittance Convenient, always on and integrated payment and marketing (wallet 2.0) Access to financial services in under-banked countries

5. Alcatel-Lucent Mobile Wallet Service (MWS) For developed & developing countries Proximity payment, loyalty & marketing Person to person money transfer Remote ticketing Online micro-payment Mobile Application Contactless SMS USSD WEB gateway INTL remittance Bill payment Telco Bill CashIN/Out agent SaaS Stored Value Application Loyalty & Couponing PCI Payment Gateway / SEPA direct debit Mirrored SVA Rating & Billing integration APIs

6. Developed markets Importance of enterprise packages in B2B2C approach Proximity payment, loyalty & marketing Person to person money transfer Remote ticketing Online micro-payment Transport Parking Vending Gifting Retail fidelity Mobile Application Contactless SMS USSD WEB Payment gateway Mobile Wallet Service Portfolio of Payment applications E-store … . MNO 2 MNO 1

7. Developed & developing markets Importance of APIs API Exposure API Provider Management Prototyping/Testing Developer Support Publishing Location, Contacts & Presence Application Enablers Mobile Wallet Authentication – Know Your Customer – SIM management Proximity payment, loyalty & marketing Person to person money transfer Remote ticketing Shopping list & remote order Social Security Pay-out Bill payment Airtime top-up Loan repayment

8. 4G/LTE European Market Research 2009 - Mobile Phone as a Wallet Alcatel-Lucent Market Advantage End-User Research Mobile Phone as a Wallet Key Findings “ All EU citizens should be able to use their mobile phone as a mobile wallet by 2015” EC VP for the digital agenda – Neelie Kroes, May 2010 4.2 GBP 14% 2.5 Euro 17% 3.2 Euro 15% Average monthly price % ranked 1st

10. | NAR Business Development | November 2009 www.alcatel-lucent.com THANK YOU http://www.alcatel-lucent.com /mws Proximity Payment Proximity loyalty and marketing E- and M-commerce Remote ticketing Person to person money transfer International remittance