Technological innovation and it’s impact on financial business Vanya Manova Manager of MasterCard Europe Rep office for Bulgaria and Macedonia Technological innovation and it’s impact on financial business Sofia, June 2015

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 Cards replace and upgrade cash: 24x7 access Worldwide acceptance Access through alternative payment channels

…our innovation continues For 50 + years, MasterCard has been transforming how the world pays and gets paid …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.

Contactless Payments Meet the Needs of Key Consumer Segments and all industries Young Professionals Affluent X-Border Travelers Affluent with no Kids Optimistic & Emerging Multiculturals Mass/Affluent Families Affluent Families Contactless payments are for everyone. They can meet the needs of your customers by enabling them to make secure transactions which are fast and convenient. Contactless payments offer global interoperability and also pave the way for new form factors in the future. 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.

MasterCard contactless is accepted at 68 countries at 3 million merchant locations

Mobile Contactless (Contactless) Definition of MMPP Comprehensive, configurable and powerful set of payment functions targeted at mobile payment issuance Mobile Contactless: program that allows MasterCard 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.

MasterCard Gets Europe to Tap Everywhere by 2020 MasterCard establishes the acceptance of contactless payments as a standard in Europe Objective Key dates 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. 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. Europe Region Operations Bulletin No. 7, 1 July 2014

Contactless transaction growth is exponential

Innovation is a never ending journey….

Innovation is a never ending journey….

Innovation is a never ending journey….

Innovation is a never ending journey….

Innovation is a never ending journey….

Innovation is a never ending journey….

Innovation is a never ending journey….

Innovation is a never ending journey….

Innovation is a never ending journey….

Innovation is a never ending journey….

Innovation is a never ending journey….

Innovation is a never ending journey….

US $4.5 trillion* gross dollar volume March 2015 Key Statistics 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 March 2015

Our Role Consumers want better ways to pay. We invent them. March 2015 Our Role 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. March 2015

Our Vision, Mission and Values March 2015 Our Vision, Mission and Values 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 March 2015

The MasterCard Advantage March 2015 The MasterCard Advantage Unified global structure Fastest global processing platform Powerful brands and Priceless advertising Innovative payment solutions Strong relationships Unique advisory capabilities Talented employees Every day, we use our advantages to benefit consumers, customers, merchants, businesses and governments around the world. These advantages include: A unified, global structure that enables us to develop tailored solutions for our customers in local markets; A highly flexible and scalable processing platform; Powerful, globally recognized brands and Priceless advertising platform; Innovative payment solutions; Strong relationships with financial institutions, merchants and consumers; Unique knowledge and insights derived from our data and information analytics; and, Talented employees who drive profitable growth for our customers and our company. March 2015