Vanya Manova Manager of Master Card Europe Rep

Payment cards ARE technological innovation On top cash is: • it’s unsafe • It’s

For 50 + years, Master. Card has been transforming how the world pays and

Contactless Payments Meet the Needs of Key Consumer Segments and all industries Page 4

Master. Card contactless is accepted at 68 countries at 3 million merchant locations Page

Mobile Contactless (Contactless) Page 6 Mobile Contactless: program that allows Master. Card payment products

Master. Card Gets Europe to Tap Everywhere by 2020 Page 7 Master. Card establishes

Contactless transaction growth is exponential Page 8 © 2014 Master. Card. Proprietary and Confidential

Key Statistics Page 21 10, 300 employees 210 countries and territories 43 billion processed

Our Role Page 22 Consumers want better ways to pay. We invent them. People

Our Vision, Mission and Values Page 23 OUR VISION A World Beyond Cash™ OUR

The Master. Card Advantage Page 24 Unified global structure Fastest global processing platform Powerful

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Vanya Manova Manager of Master. Card Europe Rep office for Bulgaria and Macedonia Page 1 Technological innovation and it’s impact on financial business Sofia, June 2015 © 2014 Master. Card. Proprietary and Confidential

Payment cards ARE technological innovation On top cash is: • it’s unsafe • It’s untraceable • It’s not cheap • It facilitates criminals • It’s dirty Page 2 Cards replace and upgrade cash: • 24 x 7 access • Worldwide acceptance • Access through alternative payment channels © 2014 Master. Card. Proprietary and Confidential

For 50 + years, Master. Card has been transforming how the world pays and gets paid Page 3 …our innovation continues 1960 1970 1980 1990 2003 2006 2010 2014 2015… The digital shift is the biggest change in payments since the introduction of plastic. © 2014 Master. Card. Proprietary and Confidential

Contactless Payments Meet the Needs of Key Consumer Segments and all industries Page 4 Affluent X-Border Travelers Young Professionals Affluent with no Kids Affluent Families Mass/Affluent Families Optimistic & Emerging Multiculturals Whether you are a mom on the go, an international traveler, or just doing some shopping around town, contactless can meet your need for fast, secure, and convenient payments. © 2014 Master. Card. Proprietary and Confidential

Mobile Contactless (Contactless) Page 6 Mobile Contactless: program that allows Master. Card payment products to be loaded onto a mobile telephone or other portable device that supports NFC* *NFC is a technology that allows a cell phone to securely transmit information wirelessly. It can be used for making payments and transferring information, wirelessly. © 2014 Master. Card. Proprietary and Confidential

Master. Card Gets Europe to Tap Everywhere by 2020 Page 7 Master. Card establishes the acceptance of contactless payments as a standard in Europe Objective Key dates • • Our intention is that by 2020, consumers will be able to pay with their contactless cards and NFC enabled devices at all point-of-sale (POS) terminals in Europe Region Operations Bulletin No. 7, 1 July 2014 • Existing POS terminals can be replaced at end of lifecycle, but at the latest by 1 January 2020. New POS terminals must adhere to the new standard upon deployment as from 1 January 2016. Between now and 2020 there are other requirements, such as PCI compliance, that will require payment terminals to be upgraded providing the opportunity to achieve efficiencies. © 2014 Master. Card. Proprietary and Confidential

Innovation is a never ending journey….

Key Statistics Page 21 10, 300 employees 210 countries and territories 43 billion processed transactions US $4. 5 trillion* gross dollar volume US $9. 5 billion net revenue * Excludes volume generated by Maestro and Cirrus cards All numbers as reported as of December 31, 2014 © 2014 Master. Card. Proprietary and Confidential March 2015

Our Role Page 22 Consumers want better ways to pay. We invent them. People want financial access. We find ways to serve them. Checkout lines are too slow. We help them move faster. Commuters are busy. We speed them on their way. Procurement is complicated. We make it simple. © 2014 Master. Card. Proprietary and Confidential March 2015

Our Vision, Mission and Values Page 23 OUR VISION A World Beyond Cash™ OUR MISSION Every day, everywhere, we use our technology and expertise to make payments safe, simple and smart OUR VALUES TRUST We act with integrity and respect; we encourage openness PARTNERSHIP We work as one team to the benefit of all – consumers, merchants, business partners, governments and the communities we serve AGILITY We act with a sense of urgency and deliver value through our innovation and execution INITIATIVE We are empowered to take bold and thoughtful action, and we hold ourselves accountable for delivering results © 2014 Master. Card. Proprietary and Confidential March 2015

The Master. Card Advantage Page 24 Unified global structure Fastest global processing platform Powerful brands and Priceless advertising Innovative payment solutions Strong relationships Unique advisory capabilities Talented employees © 2014 Master. Card. Proprietary and Confidential March 2015