Mastercom® DISPUTE RESOLUTION This presentation contains embedded fonts; however, the PowerPoint version that you are using does not support their display. Notice added by Presentation Font Embedder. For more information visit www.presentationfontembedder.com/no-embedded-fonts Keep disputes from becoming chargebacks Mastercom® DISPUTE RESOLUTION Increasing digital fraud is causing issuers and merchants to lose billions each year in chargebacks while their dispute management costs rise. As a result, the need for greater communication between issuers and merchants is critical. Mastercom Dispute Resolution resolves disputed claims through collaboration, enabling issuers and merchants to avoid invalid or preventable chargebacks. Issuers lack access to merchants’ purchase details to resolve disputes When cardholders dispute charges on their statement, they typically contact their issuer instead of the merchant. However, since merchants maintain the purchase details, issuers often lack the necessary information to adequately validate and resolve disputes quickly and efficiently. Opening the lines of communication between issuers and merchants Mastercom Collaboration bridges communication between consumers, issuers, acquirers, and merchants to address friendly- fraud disputes. Integrated into issuer dispute systems, Mastercom Collaboration provides contact between issuers and merchants, enabling merchants to respond to consumer inquiries before funds movement and outside of chargeback cycles. Mastercom Collaboration provides near real- time dispute data visibility, informing merchants with account data insights based on active fraud chargeback activity to support their just- in-time shipping decisions. $19B $19B US eCommerce merchant losses and costs due to chargebacks1 eCommerce merchant losses and costs due to chargebacks1 76% 76% Consumers contact their bank instead of merchant for a refund1 US consumers contact their bank instead of merchant for a refund1 2X 2X Chargebacks cost merchants roughly 2X more than the transaction1 Chargebacks cost US merchants roughly 2X more than the transaction1 1. JAVELIN. THE CHARGEBACK TRIANGLE. 2018. Mastercom DISPUTE RESOLUTION

Mastercom DISPUTE RESOLUTION Avoid chargebacks by sharing near real-time information early in the dispute lifecycle for quick resolution Reduce chargebacks and improve the customer experience Mastercom Collaboration can help financial institutions and merchants: Reduce formal chargeback volumes, losses, and associated back-office costs Lessen costly chargeback cycles and processing time by pre-empting disputes from advancing to chargebacks Shorten resolution time frames, potentially solving disputes in hours or days instead of weeks or months Avoid losses with real-time account data insights and chargeback data visibility that supports just-in-time shipping decisions Reduce costs from third-party service providers Improve the consumer experience and brand loyalty For more information, contact your Mastercard account representative. Mastercom DIPUTE RESOLUTION