NFC Enabled Mobile PaymentsRogers Credential Management Service

Make your phone … behave like a wallet

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More than Payments

Payments Transactions Intelligence

2012-2013 2013-2015 2013-2017

- Payment credentials- Non-payment credentials- Access- Govt. credentials

- Ticketing- P2P- Mobile Point of Sale- Coupons- Mobile Remote Payments - Fraud, Risk & ID Services

- Hyper Relevant LBS- Contextually targeted Ads

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Business Definition (’09-’12)

Business Scale (’13->)

Educate Ecosystem

Enhance SaaS and

High Privacy Tech.

Support Standards

Stabilize Technology

Develop Business Models

Understand Operations

Grow Technology

Drive Consumer Usage

Expand Ecosystem

Emerging Technology (’06-’10)

Rogers Aligned with Market State

Commercialization

Technology Trial

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All of the top 10 credit card issuers already in-market with contactless cards

Mass-merchant penetration of contactless-enabled card readers is increasing

Key Market Enablers are Falling into Place

NFC-enabled mobile phones arrived mid-2011, prompted by ISIS

Payments industry currently exploring re-regulation and Rogers is actively working to

advance support for mobile paymentsCredential

Management Service

Consumers are increasingly becoming familiar and comfortable with contactless payments and NFC is an evolution of this

trend

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target audience

100%interested in mobile wallet (7-10)

64%VERY interestedin mobile wallet (9-10)

33%

Consumer Interest in Mobile Wallet

Source: Maritz Canada, February 2012

Canadians continue to find the mobile wallet concept appealing

• NFC will eventually become a standard feature on all smartphones. Adoption of NFC enabled devices will rise sharply after 2013

• Canadians ranked top 4 globally for smartphone usage

• 41% of Canadians have a smartphone outstripping the worldwide average of 28%1

• 64% of Canadian Mobile Users are interested in mobile wallet.

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1. Consumer-centric

2. Open and Inclusive

3. Focused on Security and Global Standards

4. Complimentary to Existing Issuer / Client Relationships 5. UICC as the Secure Element

Principles for Mobile Proximity Payments

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The UICC is the only secure element option that fulfills all stakeholder requirements for:

• Best customer experience

• Portability

• Security

• Scalability

• Reliability

• Cost-effectiveness

NFC SIM as the Optimal Secure Element

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Consumer View of Mobile Proximity Payments

Secure Element Manager (SEM) Enables secure distribution and

management of credentials on the UICC

(SIM) of Rogers NFC-enabled mobile phones

Make your phone behave like a card (e.g. NFC mobile proximity payments)

Download of virtual credentials over the air to the UICC (SIM)

1

2

Mobile Wallet App Allows customers to manage their credentials (e.g. add/

delete, select default card, pay)

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Multiple Aggregation Points for Issuers to Consider

• UICC

Credential Issuers Carrier Credential Aggregator Model

Secure ElementManagers

• UICC

• UICC

RIM

Apple

Android

Windows

RIM

Apple

Android

Windows

RIM

Apple

Android

Windows

Handset OEMs

Option 1: Direct Connection(s)

Option 2: Aggregate Via

Option 3: Aggregate Via

Option 4: Aggregate Via

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NFC Offers a Compelling Innovation Platform for Developers

*Source: *Juniper, July 2011, ** Source: GSMA 2010, *** Source: IHS Screen Digest Research, May 2011 (Global Market), **** Source: EDC Analysis (Canadian Market)

Mobile Coupons($6.5 B)*

Send and receiveMoney (local/intl. remit.)($1 T)**

Mobile Application Purchases($9 B)***

Mobile Point-Of-Sale (Low-Value Payments)($100 B)****

GLOBAL MOBILE COMMERCE ~ $1 T BY 2015

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•Thank You