Credit: Back to Basics Goldman Sachs Investor Conference New York City

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1 Tim Murphy Group Executive, Core Products December 8, 2009 Credit: Back to Basics Goldman Sachs Investor Conference New York City

2 The reports of my death have been greatly exaggerated. Mark Twain December 8,

3 Forward-Looking Statements Today s presentations may contain, in addition to historical information, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of These forward-looking statements are based on our current assumptions, expectations and projections about future events which reflect the best judgment of management and involve a number of risks and uncertainties that could cause actual results to differ materially from those suggested by our comments today. You should review and consider the information contained in our filings with the SEC regarding these risks and uncertainties. MasterCard disclaims any obligation to publicly update or revise any forward-looking statements or information provided during today s presentations. December 8,

4 Positive Indications Continued Positive Retail Sales Growth Retails sales (ex. Autos & Gas) increased 0.2% versus November 2008, signaling the third consecutive month of growth since July 2008 Source: MasterCard SpendingPulse, November 2009 December 8,

5 Significant Changes in Consumer Attitudes Focusing on quality & value Showing new resourcefulness in spending Demanding control over finances Embracing frugality December 8,

6 MasterCard U.S. Debit & Credit GDV and Transaction Growth 20% 15% 10% Debit Trx 5% Debit GDV 0% -5% -10% -15% Credit GDV Credit Trx -20% Q3 Q4 Q1 Q2 Q December 8,

7 The Shift to Debit Cards is Not Affecting Credit in the U.S. Debit Cards Credit Cards Cash Checks Supermarket / grocery store purchases 53% +18% 9% 0% 30% -14% 7% -5% Department store purchases 48% +18% 17% -1% 29% -14% 5% -3% Dining out in a sit-down restaurant 46% +16% 17% 0% 34% -15% 2% -1% Gasoline or gas station purchases 46% +16% 12% 0% 38% -16% 2% 0% Drug store purchases 45% +15% 9% 0% 38% -12% 5% -3% Source: MasterCard consumer study of usage trends, 2007 through 2009 December 8,

8 Consumer Credit is Retrenching, Not Retracting Consumer credit spending is down 2008 to 2009 However, individual credit accounts are making more purchases Fewer, but better performing credit accounts At the same time, consumer attitudes are shifting toward more traditional credit roots December 8,

9 Meeting Consumer Needs Along the Credit Spectrum MasterCard offers a compelling set of products and solutions for every type of consumer across the credit payments spectrum. Emerging Users Core Users High-End Users Value-Added Services December 8,

10 Emerging Users: Prepaid Starts the Relationship Making prepaid a relationship versus a transactional account The Univision Prepaid MasterCard Hispanics represent fastest growing segment in the U.S. in terms of purchasing power Univision and MasterCard prepaid card offers a culturally relevant, safe and cost-effective alternative to cash Global Insight 2007 Hispanic Market Monitor December 8,

11 Emerging Users: Building a Road to Credit Partner with financial institutions to develop reloadable prepaid card programs that transition emerging users to credit. Build distribution through merchants and payroll direct deposit Provides a bridge to mainstream banking products Fills a major need/desire for unbanked and underbanked consumers December 8,

12 Core Users: Evolving Needs for Changing Times Core Users are looking for... Control with spending control options like MasterCard incontrol Flexibility through tools that give consumers the ability to maximize the utility of their credit Choice of differentiated cardholder benefits that are tailored and relevant to consumer December 8,

13 Core Users: A Significant Opportunity Supply Issues The Sweet Spot Core Credit Demand Issues Consumers who wish to borrow, but to whom banks will not lend. Consumers to whom banks are willing to lend, but who do not wish to borrow. December 8,

14 High-End Users: Affluent Consumer Credit Our affluent strategy is to build flexible solutions that drive true business value to our financial institution customers. Differentiated and innovative products and tools Consistent cardholder experiences Usage and preference Leveraging the equity in Priceless Preferred network position among issuers, merchants and suppliers December 8,

15 High-End Users: Meeting the Unique Needs of the Affluent Airlines U.S. Airways Dividend Miles MasterCard Card Brand conversion Airline co-brand with premium travel rewards Wealth Management Ameriprise World Elite MasterCard Card Unique value proposition for affluent clients Best-in-class product based on client and financial advisor research December 8,

16 Opportunities Abound Credit Stronghold Markets High acceptance rates Wide range of products High card penetration Slower growth potential Consolidation Developing and Emerging Markets Aggressive acceptance growth Few products in-market Low card penetration High growth potential Leapfrogging technology December 8,

17 In Summary Credit is alive and well Opportunities exist along the credit payments spectrum December 8,

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