Document:

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                                                                  Exhibit 10.9

                                 LOAN AGREEMENT

between

ORLA SIEBZEHNTE VERMOGENSVERWALTUNG GmbH (GERMANY)

AS BORROWER

and

SONERA CORPORATION (FINLAND)

AS LENDER

dated SEPTEMBER 30, 2000

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                                 LOAN AGREEMENT

between

ORLA Siebzehnte Vermogensverwaltung GmbH, a German Gesellschaft mit
beschrankter Haftung, with a share capital EURO 25.000,-- , having its
registered office at c/o Oppenhoff & Radler Wirtschaftsprufungsgesellschaft
mbH, Mainzer LandstraSSe 16, 60325 Frankfurt am Main,

                                       hereinafter referred to as the "Borrower"

AND

Sonera Corporation, a company incorporated under the law of Finland, having
its registered office at Teollisuuskatu 15, 00510 Helsinki, Finland,

                                         hereinafter referred to as the "Lender"

                              hereinafter together referred to as the "Parties";

WHEREAS the Parties have entered into an oral loan agreement as of August 28,
2000 ("Oral Loan Agreement") according to which the Lender provided to the
Borrower a term credit facility of EURO 1,812,888,543.48 (one billion eight
hundred and twelve million eight hundred and eighty eight thousand and five
hundred and forty three EURO and forty eight cents) by way of a single
advance on September 1, 2000,

WHEREAS the Borrower has also entered into an oral loan agreement as of
August 28, 2000 with Sonera 3G Holding B.V. incorporated under the law of the
Netherlands, having its registered seat at Rivium Quadrant 58, 2909 LC
Capelle aan den Ijssel, according to which Sonera 3G Holding B.V. provided to
the Borrower a term credit facility of EURO 906,444,271.74 (nine hundred and
six million four hundred and fortyfour thousand two hundred and seventy one
EURO and seventy four cents) by way of a single advance on September 1, 2000,
such oral agreement is confirmed in writing on the date hereof (the "3G
Holding Loan"). This Facility and the 3G Holding Loan are hereinafter
together referred to as the "Sonera Facilities".

WHEREAS the Borrower has also entered into an oral loan agreement as of
August 28, 2000 with Telefonica International S.A. according to which the
Telefonica InterContinental S.A. provided to the Borrower a term credit
facility of EURO 3,634,248,528.758 (three billion, six hundred and thirty
four million, two hundred and forty eight thousand and five hundred and

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twenty eight EURO and sevend hundred and fifty eight cents) by way of a
single advance on September 1, 2000, such oral agreement is confirmed in
writing on the date hereof (the "TICSA Bridging Loan").

NOW, THEREFORE, the Parties confirm in writing the agreed terms and
conditions of the Oral Loan Agreement as follows:

1.    THE FACILITY

1.1   The Lender grants to the Borrower a term credit facility of EURO
      1,812,888,543.48 (one billion eight hundred and twelve million eight
      hundred and eighty eight thousand and five hundred and forty three EURO
      and forty eight cents) available by way of a single advance ("Facility").

1.2   The advance was paid by the Lender to the Borrower on 1 SEPTEMBER, 2000 by
      way of wire transfer to the account of the Regulatory Authority for
      Telecommunications and Posts ("RegTP") specified by the Borrower. The
      Borrower shall apply the advance granted pursuant to Para.1.1 for the
      following purpose exclusively: The Borrower shall provide the entire
      advance to its 100% subsidiary "Marabu" Vermogensverwaltung GmbH,
      registered under HRB 73714 at the commercial Register of the local court
      of Charlottenburg and having its registered seat in Berlin, ("Marabu") as
      a term credit facility. The Borrower shall instruct Marabu, which has been
      awarded a UMTS/IMT-2000 License for Germany ("License") by "RegTP, to
      apply the advance for the payment of the fee required by RegTP for the
      award of the License ("License Fee") in due time. In accordance with the
      foregoing obligations, the Borrower and Marabu requested the Lender to
      provide the advance by paying the License Fee directly to RegTP on behalf
      of Marabu.

1.3   The Borrower shall repay the advance to the Lender in Euro on the date of
      31 DECEMBER 2000. Not later than four (4) Berlin business days before the
      31 December 2000, the Lender shall send the Borrower a notice specifying
      the details of the bank and account to which the Lender wishes the advance
      to be repaid.

1.4   The Borrower may not repay the advance by setting it off against sums due
      by the Lender to the Borrower, except in case that the Lender gave its
      express consent. In the

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      latter case payment shall be the date on which receipt of the set-off
      notice has been acknowledged by the Lender.

2.    INTEREST

2.1   The rate of interest applicable shall be EURIBOR + 1,5 per cent per annum.
      The interest period for this loan is 4 months starting on September 1,
      2000.

5.5   The Borrower shall pay the total unpaid interest accrued on the advance or
      overdue sums to which it relates at the rate applicable on 31 December,
      2000.

5.6   EURIBOR means the rate determined by the Lender for the interest period to
      be the rate for Euro deposits for a period equal to the interest period
      which appears on Reuters Page EURIBOR=, as of 11:00 a.m. London time, on
      the day which is two London Banking days before the beginning of the
      relevant interest period.

5.7   The interest rate will be rounded to the nearest five decimals. All
      amounts used in or resulting from such calculations will be rounded
      upwards to the nearest two decimals.

5.8   The Borrower shall also pay to the Lender an arrangement fee of 1,25 per
      cent flat on the Facility amount, and it shall be due and payable on 1
      November 2000.

3.    DEFAULT INTEREST

      If the Borrower does not pay any sum payable under this Agreement when
      due, the Borrower shall pay interest amounting to 10% p.a. on that overdue
      sum for the period beginning on its due date, and ending on the date of
      its actual receipt by the Lender.

4.    CALCULATIONS AND PAYMENTS

4.1   All interest, whether normal interest under Clause 2 or default interest
      under Clause 3, shall accrue from day to day and shall be calculated on
      the basis of a year of 360 days and the actual number of days elapsed.

4.2   On each day on which any sum is due from the Borrower, it shall make that
      sum available to the Lender by payment before close of business in Berlin
      on that date in EURO and in readily available funds, credited by the
      Borrower to the account number to be notified by the Lender to the
      Borrower not later than four (4) Berlin business days

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      before the respective payment is due, opened in the Lender's name on its
      books or to any other account with respect to which the Lender has
      notified the Borrower of the references.

4.3   If a new shareholder joins the Borrower by way of acquiring shares from
      the Lender's subsidiary Sonera 3G Holding B.V. and/or the Borrower's other
      shareholder Telefonica International S.A., and provided further that the
      new shareholder provides funding to the Borrower by way of a shareholder's
      loan or equity other than share capital, the Borrower shall apply such
      funds to repay the Sonera Facilities and the TICSA Bridging Loan on a pro
      rata basis.

4.4   If the Lender wishes to replace the Facility by a third party long-term
      loan facility ("Third Party Loan") and, therefore, terminates this Loan
      Agreement pursuant Para. 5.4, the Borrower shall apply the amount received
      under the Third Party Loan to repay the Sonera Facilities and the TICSA
      Bridging Loan on a pro rata basis.

5.    EVENTS OF DEFAULT

      The Lender shall have the right, upon notice to the Borrower, to terminate
      the Agreement and to declare the advance, or unpaid accrued interest, and
      any other sum then payable under this Agreement to be immediately due and
      payable, whereupon they shall become so due and payable, if, at any time
      and for any reason (and whether within or beyond the control of any party
      to this Agreement), any of the following events ("Events of Default")
      occurs:

      5.1  the Borrower does not pay in the manner provided in this Agreement
           any sum payable when due;

      5.2  the Borrower and/or Marabu ceases to pay its debts generally as and
           when they fall due or a judgement is issued for the judicial
           liquidation of the Borrower or for transfer of the whole of its
           business or, in the absence of legal proceedings, the Borrower and/or
           Marabu makes a conveyance, assignment or other arrangement for the
           benefit of its creditors, or a resolution is passed by the Borrower
           and/or Marabu for its winding up or dissolution;

      5.3  the Lender's subsidiary Sonera 3G Holding B.V., ceases to be a
           shareholder of the Borrower, except if all shares which Sonera 3G
           Holding B.V. holds in the Borrower are acquired by an entity which is
           affiliated with the Lender within the meaning of Sec.15 German Stock
           Corporation Act ("AKTIENGESETZ") (whereby a 50% participation
           qualifies as being majority owned);

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      5.4  the Lender wishes to replace this Loan Agreement by a Third Party
           Loan long-term to the Borrower, provided that in such event the
           advance, or unpaid accrued interest, and any other sum then payable
           under this Agreement, are due and payable 15 Berlin business days
           after notification to the Borrower of the termination of the
           Agreement;

5.5   Marabu breaches its obligations under the License and such breach is not
      remedied within the applicable grace period and which in the reasonable
      opinion of the Lender means that the License is at significant risk of
      being terminated.

6.    NEGATIVE PLEDGE

6.1   The Borrower hereby warrants and guarantees that its shares in Marabu are
      completely unencumbered and have, in particular, not been pledged to a
      third party.

6.2   The Borrower hereby undertakes and guarantees that it will not pledge any
      of its shares in Marabu to any third party for so long as any amount shall
      remain outstanding under the Facility, including any interests and default
      interests as defined in Para.2 and 3.

7.    COVENANTS

      For so long as any amount shall remain outstanding under the Facility, the
      Borrower shall

7.1   bear all withholdings, taxes and registration fees payable by it under
      German law in connection with this Agreement for its own accounts;

7.2   perform its duties and obligations under this Agreement and exercise its
      rights under this Agreement;

7.3   apply the advance under this Agreement only for the purposes stipulated in
      Sec. 1.2 of this Agreement;

7.4   carry out all of its business activities, in all material respects, with
      due diligence and efficiency and in accordance with sound administrative,
      engineering, environmental, financial and acceptable business standards
      and practices;

7.5   maintain proper books in accordance with German accounting standards;

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7.6   comply with all laws, regulations, agreements, licenses and concessions
      which are, in each case, material to the carrying of its business

7.7   instruct its 100% subsidiary Marabu to comply with all laws, regulations,
      agreements, licenses and concessions which are, in each case, material to
      the carrying the business of Marabu;

7.8   promptly notify the Lender of the occurrence of any Event of Default as
      defined in Para. 5.

8.    MISCELLANEOUS

8.1   The Lender may, at any time, transfer this Agreements, including all
      rights and obligations of the Parties stipulated herein, to an entity
      affiliated with the Lender within the meaning of Sec.15 Stock Corporation
      Act (AKTIENGESETZ), (whereby a 50% participation qualifies as being
      majority owned). Such transfer of the Agreement shall have discharging
      effect with respect to all obligations of the Lender hereunder.

8.2   The obligations of the Borrower arising from this Loan Agreement
      constitute direct, unconditional, unsecured and unsubordinated obligations
      of the Borrower and rank pari passu, without any preference, among
      themselves and pari passu with any other of the Borrower's unsecured and
      unsubordinated liabilities owing and accruing.

8.3   The Borrower shall pay, on demand, all costs, expenses as well as any
      stamp, documentary, registration or similar tax incurred by the Lender or
      payable in connection with this Agreement, and shall indemnify the Lender
      against any liability with respect to such obligations.

8.4   No failure by any of the parties hereto to exercise, nor any delay by the
      Lender in exercising any right whatsoever hereunder shall operate as a
      waiver of the right in question. Similarly, no partial exercise of a right
      shall prevent any further exercise of rights which have not yet been fully
      exercised. The rights referred to in this Clause are in addition to any
      rights provided by law.

8.5   Any communication between the Borrower and the Lender shall be made by
      fax, registered mail with return receipt, or personally delivered to the
      following addresses:

      If to the Borrower:

      Mr. Luis Lopez-van Dam de Lorenzo

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      Managing Director of ORLA Siebzehnte Vermogensverwaltung GmbH

      Fax: 0034 91 584 0619

      Address: Gran Via 30, 28013 Madrid, Spain

      If to the Lender:

      Sonera Corporation

      P.O.Box 106, FIN-00051 SONERA, Finland

      Fax: +358 2040 64661

      Attn: Corporate Finance

      Notice shall be deemed to have been given:

      -   If by fax: on the date of dispatch to the number indicated above.

      -   If by registered mail with return receipt: on the date appearing on
          the acknowledgement of receipt.

      -   If by personal delivery: on the date appearing on the receipt
          signed by the addressee's employee or agent.

      Any notice shall be deemed valid if made to a party at the address or fax
      number set out above unless such party has notified the other of any other
      address or fax number to which communications are to be in accordance with
      the provision of this clause.

9.    GOVERNING LAW AND JURISDICTION

9.1   This Agreement shall be governed by and construed in accordance with the
      laws of the Federal Republic of Germany.

9.2   Any dispute which may arise in connection with the construction,
      performance or enforcement of this Agreement shall be submitted in the
      first instance exclusively to the district Court of Berlin.

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9.3   If any provision of this Agreement shall be invalid or unenforceable, such
      provision shall be ineffective to the extent of such invalidity or
      unenforceability only, without affecting the remaining parts of such
      provision or the remaining provisions hereunder. The void provision shall
      be substituted by a valid provision, the nature and economic consideration
      of which comes as close as possible to the void provision.

Executed in Madrid on SEPTEMBER 30, 2000 in two original copies

---------------------------------------

ORLA Siebzehnte Vermogensverwaltung GmbH

Mr. Luis Lopez-van Dam de Lorenzo

Managing Director

--------------------------------------

Sonera Corporation

Pekka Reijonen             Sirkka Marjakangas

Treasurer                  Manager, Back Office<Page>

                                                                   10.10

                                 LOAN AGREEMENT

between

ORLA SIEBZEHNTE VERMOGENSVERWALTUNG GmbH (GERMANY)

AS BORROWER

and

SONERA 3G HOLDING B.V. (THE NETHERLANDS)

AS LENDER

dated SEPTEMBER 30, 2000

<Page>

                                 LOAN AGREEMENT

between

ORLA Siebzehnte Vermogensverwaltung GmbH, a German Gesellschaft mit
beschrankter Haftung, with a share capital EURO 25.000,-- , having its
registered office at c/o Oppenhoff & Radler
Wirtschaftsprufungsgesellschaft mbH, Mainzer LandstraSSe 16, 60325 Frankfurt am
Main,

                                       hereinafter referred to as the "Borrower"

AND

Sonera 3G Holding B.V., a company incorporated under the law of the
Netherlands, having its registered office at Rivium Quadrant 60, NL-2909 LC
Capelle aan den Ijssel, the Netherlands,

                                         hereinafter referred to as the "Lender"

                              hereinafter together referred to as the "Parties";

WHEREAS the Parties have entered into an oral loan agreement as of August 28,
2000 ("Oral Loan Agreement") according to which the Lender provided to the
Borrower a term credit facility of EURO 906,444,271.74 (nine hundred and six
million four hundred and fortyfour thousand two hundred and seventy one EURO
and seventy four cents) by way of a single advance on September 1, 2000,

WHEREAS the Borrower has also entered into an oral loan agreement as of
August 28, 2000 with Sonera Corporation according to which Sonera Corporation
provided to the Borrower a term credit facility of EURO 1,812,888,543.48 (one
billion eight hundred and twelve million eight hundred and eighty eight
thousand and five hundred and forty three EURO and forty eight cents) by way
of a single advance on September 1, 2000, such oral agreement is confirmed in
writing on the date hereof (the "Sonera Corporation Loan"). This Facility and
the Sonera Corporation Loan are hereinafter together referred to as the
"Sonera Facilities"

WHEREAS the Borrower has also entered into an oral loan agreement as of
August 28, 2000 with Telefonica International S.A. according to which
Telefonica InterContinental S.A. provided to the Borrower a term credit
facility of EURO 3,634,248,528.758 (three billion, six hundred and thirty
four million, two hundred and forty eight thousand and five hundred and
twenty eight EURO and sevend hundred and fifty eight cents) by way of a
single advance on

<Page>

September 1, 2000, such oral agreement is confirmed in writing on the date
hereof (the "TICSA Bridging Loan").

NOW, THEREFORE, the Parties confirm in writing the agreed terms and
conditions of the Oral Loan Agreement as follows:

1.    THE FACILITY

1.1   The Lender grants to the Borrower a term credit facility of EURO
      906,444,271.74 (nine hundred and six million four hundred and forty four
      thousand two hundred and seventy one EURO and seventy four cents)
      available by way of a single advance ("Facility").

1.2   The advance was paid by the Lender to the Borrower on 1 SEPTEMBER, 2000 by
      way of wire transfer to the account of the Regulatory Authority for
      Telecommunications and Posts ("RegTP") specified by the Borrower. The
      Borrower shall apply the advance granted pursuant to Para.1.1 for the
      following purpose exclusively: The Borrower shall provide the entire
      advance to its 100% subsidiary "Marabu" Vermogensverwaltung GmbH,
      registered under HRB 73714 at the commercial Register of the local court
      of Charlottenburg and having its registered seat in Berlin, ("Marabu") as
      a term credit facility. The Borrower shall instruct Marabu, which has been
      awarded a UMTS/IMT-2000 License for Germany ("License") by "RegTP, to
      apply the advance for the payment of the fee required by RegTP for the
      award of the License ("License Fee") in due time. In accordance with the
      foregoing obligations, the Borrower and Marabu requested the Lender to
      provide the advance by paying the License Fee directly to RegTP on behalf
      of Marabu.

1.3   The Borrower shall repay the advance to the Lender in Euro on 31 DECEMBER
      2000. Not later than four (4) Berlin business days before the 31 December
      2000, the Lender shall send the Borrower a notice specifying the details
      of the bank and account to which the Lender wishes the advance to be
      repaid.

1.4   The Borrower may not repay the advance by setting it off against sums due
      by the Lender to the Borrower, except in case that the Lender gave its
      express consent. In the latter case payment shall be the date on which
      receipt of the set-off notice has been acknowledged by the Lender.

2.    INTEREST

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2.1   The rate of interest applicable shall be EURIBOR + 1,5 per cent per annum.
      The interest period for this loan is 4 months starting on September 1,
      2000.

5.5   The Borrower shall pay the total unpaid interest accrued on the advance or
      overdue sums to which it relates at the rate applicable on 31 December,
      2000.

5.6   EURIBOR means the rate determined by the Lender for the interest period to
      be the rate for Euro deposits for a period equal to the interest period
      which appears on Reuters Page EURIBOR=, as of 11:00 a.m. London time, on
      the day which is two London Banking days before the beginning of the
      relevant interest period.

5.7   The interest rate will be rounded to the nearest five decimals. All
      amounts used in or resulting from such calculations will be rounded
      upwards to the nearest two decimals.

5.8   The Borrower shall also pay to the Lender an arrangement fee of 1,25 per
      cent flat on the Facility amount, and it shall be due and payable on 1
      November 2000.

3.    DEFAULT INTEREST

      If the Borrower does not pay any sum payable under this Agreement when
      due, the Borrower shall pay interest amounting to 10% p.a. on that overdue
      sum for the period beginning on its due date, and ending on the date of
      its actual receipt by the Lender.

4.    CALCULATIONS AND PAYMENTS

4.1   All interest, whether normal interest under Clause 2 or default interest
      under Clause 3, shall accrue from day to day and shall be calculated on
      the basis of a year of 360 days and the actual number of days elapsed.

4.2   On each day on which any sum is due from the Borrower, it shall make that
      sum available to the Lender by payment before close of business in Berlin
      on that date in EURO and in readily available funds, credited by the
      Borrower to the account number to be notified by the Lender to the
      Borrower not later than four (4) Berlin business days before the
      respective payment is due, opened in the Lender's name on its books or to
      any other account with respect to which the Lender has notified the
      Borrower of the references.

<Page>

4.3   If a new shareholder joins the Borrower by way of acquiring shares from
      the Lender and/or the Borrower's other shareholder Telefonica
      Intercontinental, S.A., and provided further that the new shareholder
      provides funding to the Borrower by way of a shareholder's loan or equity
      other than share capital , the Borrower shall apply such funds to repay
      the Sonera Facilities and the TICSA Bridging Loan on a pro rata basis.

4.4   If the Lender wishes to replace the Facility by a third party long-term
      loan facility ("Third Party Loan") and, therefore, terminates this Loan
      Agreement pursuant Para. 5.4, the Borrower shall apply the amount received
      under the Third Party Loan to repay the Sonera Facilities and the TICSA
      Bridging Loan on a pro rata basis.

5.    EVENTS OF DEFAULT

      The Lender shall have the right, upon notice to the Borrower, to terminate
      the Agreement and to declare the advance, or unpaid accrued interest, and
      any other sum then payable under this Agreement to be immediately due and
      payable, whereupon they shall become so due and payable, if, at any time
      and for any reason (and whether within or beyond the control of any party
      to this Agreement), any of the following events ("Events of Default")
      occurs:

      5.1  the Borrower does not pay in the manner provided in this Agreement
           any sum payable when due;

      5.2  the Borrower and/or Marabu ceases to pay its debts generally as and
           when they fall due or a judgement is issued for the judicial
           liquidation of the Borrower or for transfer of the whole of its
           business or, in the absence of legal proceedings, the Borrower and/or
           Marabu makes a conveyance, assignment or other arrangement for the
           benefit of its creditors, or a resolution is passed by the Borrower
           and/or Marabu for its winding up or dissolution;

      5.3  the Lender ceases to be a shareholder of the Borrower, except if all
           shares which the Lender holds in the Borrower are acquired by an
           entity which is affiliated with the Lender within the meaning of
           Sec.15 German Stock Corporation Act ("AKTIENGESETZ") (whereby a 50%
           participation qualifies as being majority owned);

      5.4  the Lender wishes to replace this Loan Agreement by a Third Party
           Loan long-term to the Borrower, provided that in such event the
           advance, or unpaid accrued interest, and any other sum then payable
           under this Agreement, are due and payable 15 Berlin business days
           after notification to the Borrower of the termination of the
           Agreement;

<Page>

5.5   Marabu breaches its obligations under the License and such breach is not
      remedied within the applicable grace period and which in the reasonable
      opinion of the Lender means that the License is at significant risk of
      being terminated.

6.    NEGATIVE PLEDGE

6.1   The Borrower hereby warrants and guarantees that its shares in Marabu are
      completely unencumbered and have, in particular, not been pledged to a
      third party.

6.2   The Borrower hereby undertakes and guarantees that it will not pledge any
      of its shares in Marabu to any third party for so long as any amount shall
      remain outstanding under the Facility, including any interests and default
      interests as defined in Para.2 and 3.

7.    COVENANTS

      For so long as any amount shall remain outstanding under the Facility, the
      Borrower shall

7.1   bear all withholdings, taxes and registration fees payable by it under
      German law in connection with this Agreement for its own accounts;

7.2   perform its duties and obligations under this Agreement and exercise its
      rights under this Agreement;

7.3   apply the advance under this Agreement only for the purposes stipulated in
      Sec. 1.2 of this Agreement;

7.4   carry out all of its business activities, in all material respects, with
      due diligence and efficiency and in accordance with sound administrative,
      engineering, environmental, financial and acceptable business standards
      and practices;

7.5   maintain proper books in accordance with German accounting standards;

7.6   comply with all laws, regulations, agreements, licenses and concessions
      which are, in each case, material to the carrying of its business

7.7   instruct its 100% subsidiary Marabu to comply with all laws, regulations,
      agreements, licenses and concessions which are, in each case, material to
      the carrying the business of Marabu;

<Page>

7.8   promptly notify the Lender of the occurrence of any Event of Default as
      defined in Para. 5.

8.    MISCELLANEOUS

8.1   The Lender may, at any time, transfer this Agreements, including all
      rights and obligations of the Parties stipulated herein, to an entity
      affiliated with the Lender within the meaning of Sec.15 Stock Corporation
      Act (AKTIENGESETZ), (whereby a 50% participation qualifies as being
      majority owned). Such transfer of the Agreement shall have discharging
      effect with respect to all obligations of the Lender hereunder.

8.2   The obligations of the Borrower arising from this Loan Agreement
      constitute direct, unconditional, unsecured and unsubordinated obligations
      of the Borrower and rank pari passu, without any preference, among
      themselves and pari passu with any other of the Borrower's unsecured and
      unsubordinated liabilities owing and accruing.

8.3   The Borrower shall pay, on demand, all costs, expenses as well as any
      stamp, documentary, registration or similar tax incurred by the Lender or
      payable in connection with this Agreement, and shall indemnify the Lender
      against any liability with respect to such obligations.

8.4   No failure by any of the parties hereto to exercise, nor any delay by the
      Lender in exercising any right whatsoever hereunder shall operate as a
      waiver of the right in question. Similarly, no partial exercise of a right
      shall prevent any further exercise of rights which have not yet been fully
      exercised. The rights referred to in this Clause are in addition to any
      rights provided by law.

8.5   Any communication between the Borrower and the Lender shall be made by
      fax, registered mail with return receipt, or personally delivered to the
      following addresses:

      If to the Borrower:

      Mr. Luis Lopez-van Dam de Lorenzo

      Managing Director of ORLA Siebzehnte Vermogensverwaltung GmbH

      Fax: 0034 91 584 0619

      Address: Gran Via 30, 28013 Madrid, Spain

<Page>

      If to the Lender:

      Sonera 3G Holding B.V.

      Postbus 8675 NL-2909 LC Capelle aan den Ijssel, the Netherlands

      Fax: +31 10 245 4564

      Attn: Managing director

      Notice shall be deemed to have been given:

      -   If by fax: on the date of dispatch to the number indicated above.

      -   If by registered mail with return receipt: on the date appearing on
          the acknowledgement of receipt.

      -   If by personal delivery: on the date appearing on the receipt signed
          by the addressee's employee or agent.

      Any notice shall be deemed valid if made to a party at the address or fax
      number set out above unless such party has notified the other of any other
      address or fax number to which communications are to be in accordance with
      the provision of this clause.

9.    GOVERNING LAW AND JURISDICTION

9.1   This Agreement shall be governed by and construed in accordance with the
      laws of the Federal Republic of Germany.

9.2   Any dispute which may arise in connection with the construction,
      performance or enforcement of this Agreement shall be submitted in the
      first instance exclusively to the district Court of Berlin.

9.3   If any provision of this Agreement shall be invalid or unenforceable, such
      provision shall be ineffective to the extent of such invalidity or
      unenforceability only, without affecting the remaining parts of such
      provision or the remaining provisions hereunder. The void provision shall
      be substituted by a valid provision, the nature and economic consideration
      of which comes as close as possible to the void provision.

Executed in Madrid on SEPTEMBER 30, 2000 in two original copies

<Page>

---------------------------------------

ORLA Siebzehnte Vermogensverwaltung GmbH

Mr. Luis Lopez-van Dam

Managing Director

----------------------------------

Sonera 3G Holding B.V.

Jaroen Bruins Slot

Managing Director

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