Rogers credential management service

1. NFC Enabled Mobile Payments
Rogers Credential Management Service
Make your phone …
behave like a wallet

2. More than Payments
Payments Transactions Intelligence
- Payment credentials
- Non-payment credentials
- Access - Ticketing
- Govt. credentials - P2P
- Mobile Point of Sale
- Coupons
- Mobile Remote Payments - Fraud, Risk & ID Services
- Hyper Relevant LBS
- Contextually targeted Ads
2012-2013 2013-2015 2013-2017
-1-

3. Rogers Aligned with Market State
Stabilize
Technology Educate
Ecosystem Grow Technology
Develop Drive Consumer
Business Usage
Models
Enhance
Expand
Support SaaS and Ecosystem
Understand
Operations Standards High Privacy
Tech.
Emerging Technology Business Definition Business Scale
(’06-’10) (’09-’12) (’13->)
Technology Trial
-2- Commercialization

4. Key Market Enablers are Falling into Place
Consumers are increasingly becoming
familiar and comfortable with contactless
payments and NFC is an evolution of this
trend
All of the top 10 credit card issuers already Mass-merchant penetration of contactless-
in-market with contactless cards enabled card readers is increasing
NFC-enabled mobile phones arrived mid- Payments industry currently exploring re-
2011, prompted by ISIS regulation and Rogers is actively working to
advance support for mobile payments
Credential
Management
Service
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5. Consumer Interest in Mobile Wallet
Canadians continue to find the mobile wallet
target audience
concept appealing
100%
• NFC will eventually become a standard feature
interested in mobile wallet (7-10)
on all smartphones. Adoption of NFC enabled
devices will rise sharply after 2013 64%
• Canadians ranked top 4 globally for VERY interested
smartphone usage in mobile wallet (9-10)
• 41% of Canadians have a smartphone
33%
outstripping the worldwide average of 28%1
• 64% of Canadian Mobile Users are interested
in mobile wallet.
Source: Maritz Canada, February 2012 -4-

6. Principles for Mobile Proximity Payments
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
-5-

7. NFC SIM as the Optimal Secure Element
The UICC is the only secure element option that fulfills all stakeholder
requirements for:
• Best customer experience
• Portability
• Security
• Scalability
• Reliability
• Cost-effectiveness
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8. Consumer View of Mobile Proximity Payments
Secure Element Mobile Wallet App Download of virtual
Manager (SEM) Enables Allows customers to manage 1
credentials over the air to
secure distribution and their credentials (e.g. add/ the UICC (SIM)
management of delete, select default card, pay)
credentials on the UICC
(SIM) of Rogers NFC-
enabled mobile phones
Make your phone behave
2 like a card (e.g. NFC mobile
proximity payments)
-7-

9. Multiple Aggregation Points for Issuers to Consider
Credential Issuers Carrier Credential Secure Element Handset OEMs
Aggregator Model Managers
RIM
Apple
Option 1: Direct Connection(s) • UICC
Android
Windows
Option 2: Aggregate Via
RIM
Option 3: Aggregate Via
Apple
• UICC
Android
Windows
Option 4: Aggregate Via
RIM
Apple
• UICC
Android
Windows
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10. NFC Offers a Compelling Innovation Platform for Developers
GLOBAL MOBILE COMMERCE ~ $1 T BY 2015
Mobile Send and receive Mobile Application Mobile Point-Of-Sale (Low-
Coupons Money Purchases Value Payments)
($6.5 B)* (local/intl. remit.) ($9 B)*** ($100 B)****
($1 T)**
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*Source: *Juniper, July 2011, ** Source: GSMA 2010, *** Source: IHS Screen Digest Research, May 2011 (Global Market), **** Source: EDC Analysis (Canadian Market)

11. • Thank You
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