The presentation describes mobile bankign research services provided by Mapa - the UK's leading competitor intelligence consultancy for the financial services industry. www.mapa-uk.com

1. Mobile Banking Research Services Helping you gain a competitive advantage July 2008

3. By having real bank accounts with your competitors and with a number of banks across the globe we are able to register for a range of mobile banking services. These services include: Mobile Internet Sites Java Applications SMS Push Alerts Mobile Payments (coming soon) WAP Sites iPhone Applications SMS Pull Services If you want to learn more about what functionality and services are available to consumers, what the registration processes are like for these services and what new developments have occurred, we can help. We also run a consumer panel that identifies the types of SMS messages that are being sent by financial services institutions and in other sectors – and by whom. Our services are listed below: 2 Overview of Services Statement Functionality: View Balance, View Transactions, Search Transactions, etc. Transactional Functionality: Internal Transfers, International Payments, Paying Bills, etc. Admin Functions: Personalisation, Changing Details, Secure Messaging, etc. Real Bank Accounts Research carried out on real… Credit Cards and Current Accounts … Mapa manage Global Research Netherlands Spain Sweden UK USA Consumer Insight We ask consumers which companies are sending them SMS messages and what they are sending them Both financial services and non-financial services are covered. Industry News You can visit our delicious.com homepage to see all our relevant bookmarks at: www.delicious.com/mapabookmarks SMS Dashboard* Registration Process Fees & Charges SMS Alerts Pull Services Public Site Content Call Centres mBanking Dashboard* Fees & Charges Public Site Content Secure Site Content Registration Process Login / Security Servicing Products Sales & Marketing Customer Support Between March and June 2008 the number of SMS messages sent by a financial services institution increased by 3 %* *Mapa research *See next page for an illustration of a Dashboard

4. What is a Dashboard? 3 Features list A Dashboard compares your mobile or online functions and services to those of your competitors. Mapa has access to ‘live’ accounts with your competitors and other banks across the globe. Mapa researchers regularly logon to the accounts to research what functions and services are available behind the secure login and record the findings in the Dashboard. This allows you to accurately identify the differences between your secure site and your competitors’ secure sites – quickly and easily with confidence. Below is an illustration of what the Dashboard looks like: Dashboard Subscription: Available for 12 or 24 months updated quarterly Whilst a Dashboard can give you a very detailed view of the market, the additional services that form part of the Dashboard Subscription are key to keeping you up to date with the market. We update the Dashboard quarterly, produce a Change Summary Report that includes screenshots, changes and trends, package up the recent news headlines in a monthly report and alert you to when significant changes happen in the market. A Dashboard Subscription is your relationship with maintaining a competitive advantage. Contact us for a more detailed insight into what we can offer. Data gathered from competitors’ sites Banks monitored Services

5. Contact Details 4 Ross Methven head of operations [email_address] Mark Pavan managing director [email_address] Gregor McKelvie business development manager [email_address] Niklas Olsson research consultant [email_address] Elsabeth van Overbeeke research consultant [email_address] Key contacts: Claire Wassell research consultant [email_address] Mapa 73 Princedale Road London W11 4NS UK www.mapa-uk.com t +44 20 7727 3130 f +44 20 7229 4713 e [email_address]