Rabobank GSM MVNO - Telecommunications Services (voice, SMS, VAS, Prepaid/Postpaid, MKB) - Mobile Internet Access (GPRS, UMTS, HSDPA), Portals and Self-Care Value-Added Bank Product - Banking “On the Go” Premium Product / Combination Communications Channel for Local Banks, Leden and Customers Mobile Incubator - Product/Business Development for Mobile Financial Services and Products - Launch of Remote and Contactless Payments and Partnerships Mobile Knowledge Centre - NFC, Consumer Behaviour & Usability - Encryption, Mobile Business Rules - Mobile Low-Value Payments - Standards, Retail/Consumer Acceptance, Security, Sustainability

Value-Added Bank Product - Banking “On the Go”

Premium Product / Combination

Communications Channel for Local Banks, Leden and Customers

Rabobank GSM MVNO & Value-Added Bank Product Great Mobile Telecommunications Product – top-quality services, bundles or bundle-free, unlimited internet, competitive tariffs, SMS packages, MKB offers Core Rabobank Values - trust, security, quality, easy-to-use services, cooperative value Online Self-Care Environment Commitment to innovation - core asset for differentiation is Mobile Financial Services Secure mobile banking

Great Mobile Telecommunications Product – top-quality services, bundles or bundle-free, unlimited internet, competitive tariffs, SMS packages, MKB offers

Core Rabobank Values - trust, security, quality, easy-to-use services, cooperative value

Online Self-Care Environment

Commitment to innovation - core asset for differentiation is Mobile Financial Services

Secure mobile banking

Mobile Innovations Projects MiniTix Online (2004-06), MiniTix SMS (2007), SMS Betalen (2008), MiniTix NFC (2008-09) SMS Betalen : Launch of P2P payments directly to/from MSISDNs, Java midlets, iPhone application, online website, MiniTix Merchants (2008) Customer bank account

Mobile Innovations Projects NFC Mobile Ticketing: Diergaarde Blijdoorp (2008-09) NFC Fietsenstalling : Eindhoven, Tilburg (2008-09) Rabobank Rotterdam NFC Cashless Schools : kassa’s and vending, ASH, HHS/Redbird (2007-09) NFC Cantina Trials & Roll-Out: Carian/MiniTix (2008-09) NFC Vending Trials: Coca-Cola, FEBO (2007-08) NFC Mobile Domestic Debit Card and Shopping Tool: C1000 (2007-08)

Mobile Innovations Projects Mobile Health: Stichting Diabeter, Health Agency, Achmea (2008-09) Mobile Terrace Payments: MyOrder @ various locations (2008-09) Albert Heijn To-Go NFC Shopping : Amsterdam Amstel (2008-09) MiniTix Mobile Merchants: SMS Betalen Java Midlet (2008-09) Mobile Parking: Park-Line (2007) Rekeningrijden: with Rabobank (2008-09)

Mobielbankieren Mobielbankieren enables transfers to known parties and payments up to €50.000 with Random Reader Saldo Direkt provides 1-click account balances on all your accounts Rabofoon telephone banking (IVR) SMS Alerts for banking, transfers, payments, telco spending alerts Mijn Mobiel telecommunications spending alerts, history and invoices Rabo Financial Services Portal with financial services info., current stocks and financial news SMS SMS WAP WAP WAP IVR WAP WEB

Mobielbankieren enables transfers to known parties and payments up to €50.000 with Random Reader

Saldo Direkt provides 1-click account balances on all your accounts

Rabofoon telephone banking (IVR)

SMS Alerts for banking, transfers, payments, telco spending alerts

Mijn Mobiel telecommunications spending alerts, history and invoices

Rabo Financial Services Portal with financial services info., current stocks and financial news

Case Study: NMB mobile NMB: National Microfinance Bank Ltd. (Tanzania) 1,3 mln customers Consumer and small-business focused Dedicated to providing sustainable, viable access and direct financial services. Proud of our history of support for Tanzanians of all income levels, government and businesses. Close By Extensive network with 130+ branch locations and 200+ ATMs nation-wide. Branch network designed to cover minimally 80% of Tanzanian districts. Empowering Entrepreneurs Paying special attention to micro, small/medium-sized and rural business. Tanzanian agriculture is close to our heart (KILIMO KWANZA). We play a roll in all parts of the supply chain.

NMB: National Microfinance Bank Ltd. (Tanzania)

1,3 mln customers

Consumer and small-business focused

Dedicated to providing sustainable, viable access and direct financial services.

Proud of our history of support for Tanzanians of all income levels, government and businesses.

Close By

Extensive network with 130+ branch locations and 200+ ATMs nation-wide.

Branch network designed to cover minimally 80% of Tanzanian districts.

Empowering Entrepreneurs

Paying special attention to micro, small/medium-sized and rural business.

Tanzanian agriculture is close to our heart (KILIMO KWANZA). We play a roll in all parts of the supply chain.

NMB mobile Easy-to-use NMB mobile banking and payments for all NMB customers (USSD) Features the most desired consumer applications: Balance Inquiry Mini-Statement Money transfers to any NMB account Tanesco Luku Prepaid Electricity Purchase Vodacom and ZAIN Prepaid Airtime Top-Up NMB Services like ATM card block, settings Works with NMB Personal Account, TPDF Account, Student Account, Wisdom Account Simply dial *155*66# to access No need to fill-in forms or visit an NMB branch to sign-up, simply dial *155*66*123# NMB mobile 1. Balance Enquiry 2. Mini-Statement 3. Money Transfer 4. Prepaid Services 5. Other Services 6. Help

Easy-to-use NMB mobile banking and payments for all NMB customers (USSD)

Features the most desired consumer applications:

Balance Inquiry

Mini-Statement

Money transfers to any NMB account

Tanesco Luku Prepaid Electricity Purchase

Vodacom and ZAIN Prepaid Airtime Top-Up

NMB Services like ATM card block, settings

Works with NMB Personal Account, TPDF Account, Student Account, Wisdom Account

Simply dial *155*66# to access

No need to fill-in forms or visit an NMB branch to sign-up, simply dial *155*66*123#

Thank You! Dan Armstrong Takashi Mobile [email_address] +31 652 085 071