1. Academy of Risk Management | Innovate. Collaborate. Educate. Fraud Management Solutions Innovative Products & Thought Leadership

2. ©2011 MasterCard. Proprietary Academy of Risk Management | Innovate. Collaborate. Educate. Fraudulent use of payment cards remains a serious global problem costing over $5.55 Billion USD a year. The Nilson Report, Balancing the Many Costs of Fraud With your profitability, reputation and customer satisfaction on the line, balancing the growth and risk in your portfolios requires constant vigilance to manage the many costs of fraud, including… Financial loss Reputation loss (measured by increased customer attrition and difficulty winning new customers) Investment in fraud technology

3. ©2011 MasterCard. Proprietary Academy of Risk Management | Innovate. Collaborate. Educate. Build hosted solutions for quick deployment with minimal cost Develop with best-in-class technology Leverage MasterCard robust data assets and global network Create customer specific solutions for improved decisions at POS A One-Size-Fits-All Approach to Fraud Doesn’t Work MasterCard Principles

4. ©2011 MasterCard. Proprietary Academy of Risk Management | Innovate. Collaborate. Educate. Expert Monitoring represents MasterCard’s comprehensive transaction fraud monitoring solutions that address fraud using specific models to evaluate multiple risk dimensions. EMS can be installed on your system or hosted by MasterCard. Expert Monitoring Solutions Risk specific scoring (fraud, credit, etc.) Product specific (Corporate, Prepaid, all brands/products, etc.) Geography specific (US, EU, AP, LAC, country, etc.) Transaction specific (ATM, e-commerce, contactless, etc.)

5. ©2011 MasterCard. Proprietary Academy of Risk Management | Innovate. Collaborate. Educate. Comprehensive Fraud Monitoring Solutions Fraud Modeling Segmented data-specific models developed using auth and fraud data Network models designed specifically for your region/country/product Custom models trained specifically to your data Fraud Reporting Fraud Operations Reporting via MasterCard OnLine Fraud Reporter Benefit from the learnings of all MasterCard issuers transaction and fraud data Fraud Scoring Cooperative transaction scoring based on the likelihood of fraud Patented behavior profiles of your cardholders Leading artificial intelligence Fraud Event Management Full-featured, browser-based Event Management workstation fully hosted by MasterCard

6. ©2011 MasterCard. Proprietary Academy of Risk Management | Innovate. Collaborate. Educate. Expert Monitoring Provides a Real-Time Risk Assessment of Compromised Accounts Comprehensive real-time insight into compromised account risk within the authorization request: 1. MCAlerts Case Number(s) under which the account has been exposed up to three unique cases for accounts compromised under multiple ADC events. 2. Type and Count of Exposed Account Data including MagStripe, PAN, PIN, CVC2, Personal Information and/or Expiration Date. 3. ADC Threat Score indicating the likelihood that fraud will occur on the account as a result of exposure to the compromise event(s). Compromised Account Service –Evaluates the events for compromised accounts within the last 3 years. –Delivers in-depth insight in real-time during authorization for each account exposed under a compromise event. –Provides a unique global risk assessment based on the collective behavior of all accounts from all issuers exposed in a specific compromise event. –Predicts the threat of fraud in compromised accounts to determine if and when accounts should be re-issued.

7. ©2011 MasterCard. Proprietary Academy of Risk Management | Innovate. Collaborate. Educate. PCI Merchant Education Partnering with customers, service providers and merchants to: Provide complimentary training and education in person or via the web Increase awareness and promote adoption of PCI DSS Create recorded webcasts at: www.mastercard.com/pci360 www.mastercard.com/pci360 PCI Merchant Education Program Collaborate to achieve shared objectives with our customers.

8. ©2011 MasterCard. Proprietary Academy of Risk Management | Innovate. Collaborate. Educate. PCI Merchant Education Program Delivery Options On-Site (OS) In-person training for acquiring bank members at designated locations. This option provides the best opportunity for high-contact interaction Live Web Meeting (LM) Real-time online interface and teleconference. This option is ideal for presenting one to three modules and may be followed by Q&A sessions On-Demand Webinar Series (WS) Pre-recorded content available through an online interface. This option is low-contact and can be viewed as the merchant’s schedule allows. www.mastercard.com/pci360 The education program offers several training options including:

9. ©2011 MasterCard. Proprietary Academy of Risk Management | Innovate. Collaborate. Educate. The Academy of Risk Management ARM Conferences: MasterCard Global Risk Management Conference Series – One of the world’s leading security conferences in the payments industry – Assembles industry leaders in the security and payments fields to explore better methods to optimize the balance between opportunity and risk – Four global conferences in 2011 (Americas, APAC, Europe, Middle East/Africa) ARM Training – ARM Training courses have been designed to provide the necessary skills and knowledge to improve risk management – ARM offers several training platforms including classroom-style courses, onsite instruction, webinars, and online courses – Over 50 in-person courses delivered globally in 2011

10. ©2011 MasterCard. Proprietary Academy of Risk Management | Innovate. Collaborate. Educate. Join Us Next Year 2012 Conferences South Asia, Middle East & Africa Amman, Jordan March 5 - 8 www.mastercard.com/arm The Americas Boca Raton, Florida May 7 - 11 Asia Pacific Location & Dates: TBA Europe Location & Dates: TBA

11. ©2011 MasterCard. Proprietary Academy of Risk Management | Innovate. Collaborate. Educate. Resources The Academy of Risk Management www.mastercard.com/arm PCI 360 www.mastercard.com/pci360 Payment Card Prevention Training www.mastercardsecurity.com PCI Council www.pcisecuritystandards.org

12. ©2011 MasterCard. Proprietary Academy of Risk Management | Innovate. Collaborate. Educate.