Making Payments

Q. How do I make a contactless payment with my mobile phone?

A. To make a purchase simply tap your Trial mobile phone on a PayPass enabled payment reader at participating retail locations.
How To Tap
Where To Tap

Q. Will Citi customers receive rewards such as ThankYou Points?

A. If you are in a rewards program through Citi, you will be able to earn rewards with every mobile trial purchase you make using the PayPass functionality of the trial mobile phone.

Q. How will purchases appear on my credit card statement?

A. Trial phone purchases will be displayed on your statement just like any other purchase you make with your card.

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Fees & Charges

Q. Will I be charged carrier fees when I make purchases with my NFC enabled mobile phone?

A. No. Because transfer of information using the NFC technology does not use the carrier network, there will be no additional carrier transport fees charged.

Q. Are there charges for Over the Air (OTA) Personalization

A. While personalization is free, you will be charged for the number of kilobytes used to complete the personalization process. See your Cingular data plan for additional details.

Q. Are there any charges for downloading free content?

A. While content is free, you will be charged for the number of kilobytes used to download the content. See your Cingular data plan for additional details. As a part of a trial incentive program, participants will receive a $40 credit on their Cingular Wireless bill when they return the phone at the end of the trial.

Q. Will I pay for phone calls made from my trial phone?

A. Yes. Calls will be billed following the terms and conditions of your Cingular rate plan.

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About the Technology

Q. What is Near Field Communication (NFC)?

A. NFC is a technology that allows a mobile phone to securely transfer and receive information over a short range, maximum range of a few inches.

Q. What is Over the Air (OTA) Personalization?

A. Over the Air Personalization is the process of initializing your mobile phone with the information it needs to conduct secure transactions such as making purchases at retail locations that accept PayPass.

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About the Trial

Q. Where can I use my trial mobile phone?

A. Your trial mobile phone can be used to make contactless payments at any merchant accepting PayPass. You can also use your phone to download content at smart posters featuring the trial symbol. Of course you can use your trial mobile phone to make calls anywhere in the Cingular Wireless network.
Where to Use

Q. How long is the trial?

A. The trial runs from January 10, 2007 to April 30, 2007.

Q. As a participant, what do I have to do test this new technology?

A.

1. Make a purchase.
   After you receive your new trial mobile phone, use it anywhere MasterCard PayPass is accepted to make a purchase. Or shop at any of the many locations that accept PayPass.
2. View & Download content.
   Check out the Trial smart posters to view and download voice tones, movie trailers, and mobile phone wallpapers.
3. Provide feedback.
   After you have had time to fully experience the payment and download options of your trial phone, you will be asked to provide feedback through online surveys and/or telephone interviews so we can fully understand how you are using this new technology, how it has helped you, and how we can make it better.

Q. What type of content can I download?

A. You can download movie trailers, wallpapers, and voice tones.
Learn More

Q. How do I download content?

A. To download content simply tap your Trial mobile phone on one of the trial smart posters to gain access to movie trailers, wallpapers, and voice tones.
Find Smart Poster Locations

Q. What happens after the trial has concluded?

A. Because these are trial devices, they need to be returned. We will provide participants with a $160 gift card and a $40 credit on their Cingular Wireless bill upon return of their trial phone.

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Security & Your Mobile Phone

Q. How safe are contactless payments?

A. Thanks to special security technology, contactless payments are as safe as traditional card payment transactions. Your contactless payment-equipped mobile phone must be extremely close to the terminal to be read (typically one to two inches). Contactless payments also provide more consumer control, since the mobile phone doesn't have to leave your hands to be swiped by a merchant/retailer. U.S.-issued Citi credit or Citibank Debit MasterCard cards/devices with PayPass are protected with Zero Liability* coverage for any fraudulent transactions.
Learn More

Q. Can I protect my phone against other people using it for payment?

A. The PayPass payment application on the phone can be protected by a self-defined passcode/PIN (this is different from your Citi credit one-time personalization PIN). The passcode will be defined the first time you select the "Ask Passcode first" option. If you misplace your passcode the PayPass feature of the phone will no longer work and you will need to return it to Nokia. So please make sure you write down your passcode and keep it in a safe place. To do this you:

1. Press the side button of the phone to open the cover.
2. Move the phone close to a payment reader.
3. The handset will prompt you for a passcode with the message "Enter secure element passcode".
4. Enter your passcode and press the soft key "OK" (center button) and the secure element is "activated" for 60 seconds.
5. You may also hold the handset at the same position while pressing "Yes", making the second tap unnecessary.

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Technical Help

Q. Who do I call if my payment keeps getting declined at point of sale?

A. Your trial phone works just the same as your Citi credit MasterCard card with PayPass. If you have exceeded your credit limit your card may be declined. You may want to contact Citi by calling the toll-free number located on the back of your linked card.

Q. How long will the PayPass payment application stay active?

A. The PayPass application remains active for 60 seconds after initial activation.

There is also another option "set PayPass always on". This means that your phone is automatically set to "Always Active" which allows you to tap and make a purchase without doing anything.

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* Zero Liability does not apply to MasterCard-branded cards issued

• to an entity other than a natural person or primarily for business, commercial, or agricultural purposes, except the following card programs for small businesses:
  • Debit MasterCard BusinessCard® Card
  • MasterCard BusinessCard® Card
  • MasterCard Executive BusinessCard® Card
  • MasterCard® Professional Card
  • MasterCard® Small Business Multi Card
• outside of the U.S. region,
• or if a PIN is used as the cardholder verification method for the unauthorized transaction(s).