1) The document discusses the empowerment of consumers through financial education initiatives like CentiQ in the Netherlands and the new approach of the NBVA organization. 2) NBVA represents 880 financial advisors and insurance brokers with 6,100 employees and 3 million customers in the Netherlands. 3) NBVA is partnering with CentiQ, a Dutch government initiative, to enhance consumer insight into financial matters and help consumers make conscious financial decisions through educational videos on their website nbva.nl/nbvatv.

1. Empowerment of the Consumer Presentationfor OECD Paris, 9 july 2009 Rob Groenemeijer Chairman NBVA ChairmanFederation FIDIN

3. 880 members

4. 6100 employees

5. 3 millioncustomers

8. Little knowledge

10. Massivedocumentation

13. Client in the drivingseat

15. Transparency

16. Protection & AwarenessThe Future of Finance : Service will be the Key Succes Factor

17. Insurance companies Banks Platforms for access to products and services FinancialAdvisor Consumer Integrity, quality, transparency

18. NBVA’snewapproach of customerinformation go to www.nbva.nl/nbvatv andmeet FRANK (= the consumer)

21. Pensiongap

22. Mortgage

23. Remortgaging

24. Investing

25. Life cycle

26. Car Insurance

27. Travel insurance

28. Home-owner

30. Pension Build-up Frank, take care of your financial future, take care of the third pillar First pillar state provision will continue to be funded on a pay-as-you-go basis Second pillar depends on employment, might include pension gaps Use the Private Pension 3rd Pillar to save on taxes and secure your financial future http://www.nbva.nl/nbvatv-kijken/pensioenopbouw

32. Educating Frank

33. Remortgaging Frank, be careful, Costs might pile up….. Bear in mind that remortgaging is not a cost-free process though. Your current mortgage may carry penalties or charges if you try to leave it early, plus there will probably be costs associated with the new deal, so factor all of this into your decision. http://www.nbva.nl/nbvatv-kijken/oversluiten

35. Investing Frank, know yourself as part of your investment plan Frank, are you an Offensive, Neutral or Defensive Investor http://www.nbva.nl/nbvatv-kijken/beleggen