©2011 MasterCard. Proprietary and Confidential My MasterCard – online portal for MasterCard cardholders September 14, 2011 Donghao Huang, MasterCard Labs Singapore

©2011 MasterCard. Proprietary and Confidential We want MC cardholders to use their MC card as much as possible. We want MC cardholders to provide their purchase data for analysis. We want to provide a platform to influence the behaviors of MC cardholders. Challenges Page 2 September 13, 2011

©2011 MasterCard. Proprietary and Confidential Consumer signs up with My MasterCard online portal via web or mobile application. Consumer links his cards by MasterCard authorization service (MAS). My MasterCard retrieves all transaction records from MasterCard, possibly via MasterCard OpenAPI. For each transaction, consumer can either categorize it as a whole or add itemized sub-categories. – Eg, for a transaction amount $50 from a supermarket, consumer can categorize as follows: – Alcohol: $20 – Food: $20 – Groceries: $10 With mobile application, immediately after a MC transaction is made, consumer will receive push notification and can categorize it in real time. Consumers – what do they need to do? Page 3 September 13, 2011

©2011 MasterCard. Proprietary and Confidential Simple financial management tool: automatically updated with latest MasterCard transactions from all banks without having to check each bank individually Consumers get rewarded based on different points they earned. – Wealth point – how well a consumer handles money/wealth – Eg, a consumer will earn wealth points when he categorize the transaction as he will have more visibility on his spending – this encourages consumers to provide purchase data to us – We encourage consumers to have a better and more meaningful life styles - similar to Vice/Virtue Social Application: – Subtle difference: we give each transaction a default category based on the merchant, but consumer can change it – and we trust consumer! – Health point – Eg, gym = +100  alchhol = – Green point – Eg, public transport = +100  gasoline = – Happy point – Eg, charity = +100  gambling = -100 – A consumer can earn points of different types from one single purchase. – Eg, a transaction with e-Receipt for gym will entitle a consumer wealth, health and green points. Other benefits – Personal financial analysis/advisory – Promotion from merchants/banks – based on past purchase history and preference Consumers – what do they get? Page 4 September 13, 2011

©2011 MasterCard. Proprietary and Confidential Deeper insight on transactions – Advertisements/promotions from banks/merchants can be targeted at right consumers based on data – We can get commissions from banks/merchants Closer connections with consumers/card holders – Direct channel for promoting all existing and new MasterCard products/services. – Prepare global buyer base for rolling out online/mobile payment services – directly compete with PayPal and Alipay. Better brand image – We promote better and more meaningful life styles MasterCard – what do we get? Page 5 September 13, 2011