Fraud Management Solutions Innovative Products & Thought Leadership

1. Fraud Management SolutionsInnovative Products & Thought Leadership

2. 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 infraud technology

3. Develop withbest-in-classtechnology Build hostedsolutions for quick deployment with minimal cost Leverage MasterCardrobust data assets andglobal network Create customer specific solutions for improved decisions at POS A One-Size-Fits-All Approachto Fraud Doesn’t Work MasterCardPrinciples

4. 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.) Expert Monitoring Solutions 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.

5. 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 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 • Fraud Reporting • Fraud Operations Reporting via MasterCard OnLine Fraud Reporter • Benefit from the learnings of all MasterCard issuers transaction and fraud data

6. Expert Monitoring Provides a Real-Time Risk Assessment of Compromised Accounts Compromised Account Service • Comprehensive real-time insight into • compromised account risk within • the authorization request: • MCAlerts Case Number(s) under which the account has been exposed up to three unique cases for accounts compromised under multiple ADC events. • Type and Count of Exposed Account Dataincluding MagStripe, PAN, PIN, CVC2, Personal Information and/or Expiration Date. • ADC Threat Score indicating the likelihood that fraud will occur on the account as a result of exposure to the compromise event(s). • 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. 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 PCI Merchant Education Program Collaborate to achieve shared objectives with our customers.

8. 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 PCI Merchant Education ProgramDelivery Options The education program offers several training options including:

9. 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 The Academy of Risk Management

10. Join Us Next Year • 2012 Conferences South Asia, Middle East & Africa Amman, Jordan March 5 - 8 The Americas Boca Raton, Florida May 7 - 11 Asia Pacific Location & Dates: TBA Europe Location & Dates: TBA www.mastercard.com/arm

11. The Academy of Risk Managementwww.mastercard.com/arm PCI 360www.mastercard.com/pci360 Payment Card Prevention Trainingwww.mastercardsecurity.com PCI Councilwww.pcisecuritystandards.org Resources