August 6, 20072008 Card Marketing CalendarsDebit Calendar DetailsAugust 6, 20073JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECActivation/Re-ActivationGeneral UsageMerchant Offerings PayPassAwareness Debit PenetrationCategory ExpansionRewardsSegmentationTracking/AnalysisPROMOTIONALPROGRAMSEDUCATIONAL MESSAGINGPLANNING TOOLSMLB All-Star Game SweepstakesSoundstage SweepstakesDebit Monthly Bonus SweepstakesHoliday PromotionSummer Music PromotionCash Rewards Program (1, 2, 5)Pay Taxes Themed Statement Inserts: Convenience, Flexibility, SecurityBill PaymentPredictive Models, Segmentation Portfolio Diagnostic, Commerce IntelligencePortfolio Analytics, Campaign ManagerCompetitive Assessment, Refinements and Enhancements*Targeted campaignDirect Mail, Inserts MasterCard ChampionshipMLB World Series Sweepstakes2008 Card Marketing Calendar: DebitMerchant OffersAugust 6, 20074JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECActivation/Re-ActivationGeneral UsageMerchant Offerings PayPassAwareness Debit PenetrationCategory ExpansionRewardsSegmentationTracking/AnalysisPROMOTIONALPROGRAMSEDUCATIONAL MESSAGINGPLANNING TOOLSMLB All-Star Game SweepstakesSoundstage SweepstakesDebit Monthly Bonus SweepstakesHoliday PromotionSummer Music PromotionCash Rewards Program (1, 2, 5)Pay Taxes Themed Statement Inserts: Convenience, Flexibility, SecurityBill PaymentPredictive Models, Segmentation Portfolio Diagnostic, Commerce IntelligencePortfolio Analytics, Campaign ManagerCompetitive Assessment, Refinements and Enhancements*Targeted campaignEmployee TrainingIncentive ProgramSALES TOOLSDebit Product Employee Training ProgramBranch Sales Incentive promotionDirect Mail, Inserts Merchant OffersMasterCard ChampionshipMLB World Series Sweepstakes2008 Card Marketing Calendar: DebitAugust 6, 20075Debit Monthly Bonus Sweepstakes (In market: 1/1 ”12/31)Versions available: Prepaid, Hispanic, PayPassWith the heaviest debit users being women, MasterCard will continue to focus on women for our2008 Debit promotion. ‚Monthly Bonus‛ is a concept that resonates with women because it recognizes them for all they do on a day-to-day basis. For 2008 we have extended this popular promotion so it will run January ”December 2008 which allows you more flexibilitywhen promoting this sweepstakes. The promotion will award one annual Grand Prize Bonus ($120,000) and monthly prizes of $10,000 each.In-branch, ATM screen and direct mail turnkey materials will be available to you throughout the year. Double entries will be awarded for tapping with MasterCard PayPass®Summer Music Promotion(In market: 7/1 ”9/2)Versions available: Prepaid, Hispanic, PayPassMusic really matters to our cardholders. And this summer we want to bring them ‚inside the music.‚ MasterCard will tap into the consumer passion for music and live entertainment with a promotional platform that leverages a new Music Entertainment Sponsorship: Soundstage. Tools will be provided for you to drive acquisition, activation, and usage. Double entries will be awarded for tapping with MasterCard PayPass®Holiday Promotion (In market: 10/15 ”1/2)Versions available: Prepaid, Hispanic, PayPass The holiday shopping season is a great time to focus on driving usage. MasterCard will help your issuers capitalize on this peakspend season with a promotional platform sure to excite cardholders. Priceless assets and great prizes will help to drive your holiday acquisition, activation, and usage business. Double entries will be awarded for tapping with MasterCard PayPass®. Theme to be announced. 2008 Turnkey PricelessPromotionsPROMOTIONAL PROGRAMS: DEBITMasterCard delivers consumer-tested promotional platforms that encourage signature debit usageAugust 6, 200762008 Turnkey Sponsorship PromotionsPROMOTIONAL PROGRAMS: DEBITSoundstage Concert Sweepstakes (In market: 2/1 ”3/31)Soundstage is a unique music program featuring Priceless performances by leading artists. MasterCard has exclusive rights to these original, one-of-a-kind performances. During February and March we'll run a program where MasterCard-only invited audiences willhave the chance to attend an up close and personal Soundstage event. One lucky person will win a trip for two to Grainger Theatre in Chicago for a Pricelessconcert experience.All Star Game Sweepstakes (In market: 4/1 ”5/31)Since 1933, the MLB All-Star Game gives the best players in the league a chance to play together for one magical night. And we want your cardholders to be part of this amazing event„up close and personal! MasterCard is going to give one lucky person the chance to win a trip for four to the MLB All-Star Game. Every time your cardholders use their Debit MasterCard cards between April 1 and May 31, 2008, they will automatically be entered for a chance to win.World Series Sweepstakes (In market: 8/1 ”9/15)MasterCard is giving one lucky person and three guests the chance to watch history in the making. Every time your cardholdersuse their Debit MasterCard cards between August 1 and September 15, 2008, they’ll automatically be entered for a chance to win a 3-day/2-night trip to a 2008 MLB‟ World Series®game. MasterCard Championship (Golf) Sweepstakes (In market: 10/1 ”11/30)There’s nothing like the feeling when you sink a hole-in-one. And, if your cardholders can’t get a hole-in-one, one lucky cardholder might see a pro sink one! MasterCard®and the PGA have teamed up to give your cardholders a chance to win a trip for four to the 2008 MasterCard Championship in Kona, Hawaii, when they use their MasterCard cards between October 1 and November 30, 2008. August 6, 20077Use offers for:“Statement Inserts“Statement Messaging“Welcome Kits“Credit Line Increases“Usage Incentives“E-mail“And more…PROMOTIONAL PROGRAMS: DEBIT2008 Turnkey Offers ProgramMerchant Offers Programs Merchant offers will be available throughout the year to help support your acquisition, activation, and usage strategies. Consumer offers will be available forall card products, including seasonal themed Pricelessinserts to leverage high spend seasons such as summer travel, back-to-school, and holiday.August 6, 200782008 Turnkey Offers CreativeFour seasonally themed Priceless‟-branded statement inserts developed annually and customizable with Issuer Brand and Product”1stQuarter:Rejuvenation (SpaWish, Ballys, PajamaGram, Travelocity)”2ndQuarter:Summer Escape ”3rdQuarter: Back-to-School”4thQuarter:Retail/HolidayPROMOTIONAL PROGRAMS: DEBITAugust 6, 20079JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECActivation/Re-ActivationGeneral UsageTransaction FrequencyCategory ExpansionMerchant Offerings PayPassAwareness Debit PenetrationCategory ExpansionRewardsSegmentationTracking/AnalysisPROMOTIONALPROGRAMSEDUCATIONAL MESSAGINGPLANNING TOOLSMLB All Star Game SweepstakesSoundstage SweepstakesDebit Monthly Bonus SweepstakesHoliday PromotionSummer Music PromotionCash Rewards Program (1, 2, 5)Low/Medium Active Campaign*Low/Medium Active Campaign*Category Expansion Campaign*Bill Payment Campaign*Pay Taxes Themed Statement Inserts: Convenience, Flexibility, SecurityAugust 6, 200710MasterCard PayPassAwarenessEducate cardholders on MasterCard PayPassto help to drive card activation and usage. Marketing materials available are Direct Mail and Statement Inserts. Debit Product EducationEducate cardholders on the features and benefits of the Debit MasterCard card to help drive card activation and usage. Multiple messaging options create awareness of the benefits so they will begin to use their debit cards to pay for everyday purchases.Marketing materials available are Statement Inserts. EDUCATIONAL MESSAGING: DEBIT2008 Turnkey Product/Feature CreativeAugust 6, 200711EDUCATIONAL MESSAGING: DEBITPay TaxesVersions available: Hispanic, Generic, Rewards MasterCard customized tax statement inserts are designed to inform cardholders about the ease of paying taxes with a Debit MasterCard card while increasing usage and transactions in the tax payment category. These turnkey inserts, which are available in English and Spanish for both the generic and rewards version, may be utilized by credit, debit and business portfolios. Available as art on disk. Bill PaymentsVersions available: Generic, Rewards MasterCard has developed customized consumer statement inserts designed to inform cardholders about the ease and convenience of signing up for automatic bill payment. It also helps to drive usage and retention for issuers. These turnkey inserts are available in both generic and rewards versions. Available as art on disk. 2008 Acceptance Education CreativeAugust 6, 200712JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECActivation/Re-ActivationGeneral UsageTransaction FrequencyCategory ExpansionMerchant Offerings PayPassAwareness Debit PenetrationCategory ExpansionRewardsSegmentationTracking/AnalysisPROMOTIONALPROGRAMSEDUCATIONAL MESSAGINGPLANNING TOOLSAugust 6, 200713PLANNING TOOLS: DEBITRewards Competitive Assessment*Rewards Competitive Market Scan, from MasterCard Advisors‟ Loyalty Consulting & Rewards Services, provides an unparalleled, value-added view of the rewards marketplace. This subscription service helps an issuer meet one of the main challenges in today’s market.Rewards Enhancement Services*A Rewards Diagnostic takes an in-depth look at the features, operations, marketing practices and metrics of your card rewards program.“The Rewards Diagnostic is targeted to the issuer’s needs and business objectives. However, on a general basis, it encompasses:”Diagnostic Design”Data/Process Gathering”Data Review & Analysis”Key Findings & Assessment”Final Report & RecommendationsSegmentation SupportA Portfolio Diagnostic*analyzes the issuer’s transactional and customer data (as provided by the Issuer) and performs a segmentation analysis which identifies opportunity segments to pursue targeted penetration, activation and usage-related marketing campaigns to optimize the performance of the portfolio.*MasterCard Advisors‟2008 Marketing Planning and Execution ServicesAugust 6, 200714Tracking and AnalysisPortfolio Analytics*provides customer-specific information about marketing, risk, operations and fraud. This data, in conjunction with information about specific regions and countries, facilitates more effective portfolio strategies and management. Campaign Manager* is an interactive information-enabled application tailored specifically to the needs of the payments industry. It enables issuers to: ”Increase marketing productivity by automating cardholder selection and segmentation and by building portfolios and marketing cells in real time ”Improve campaign results by using prior transaction behavior, card specific metrics and user-defined fields to target those cardholders most likely to respond ”Track and report cardholder behavior before, during and after a campaign in order to analyze a promotion’s effectiveness and modify it accordingly for future campaigns ”Campaign Management’s advanced capabilities and ease of use will help you realize more revenue potential from your marketing campaigns. Campaign Management is available to issuers through Portfolio Analytics. PLANNING TOOLS: DEBIT*MasterCard Advisors‟Segmentation Support (cont.)MasterCard (through Advisors) has predictive modelsthat allow the issuer to identify current card users with the highest potential to increase usage, predict cardholders most at risk of attrition, predict those most likely to start using the card again after being dormant and determine small businesses ‚hidden‛ among consumer accounts.2008 Marketing Planning and Execution ServicesCredit Calendar DetailsAugust 6, 200716JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECEarly ActivationGeneral UsageMerchant OfferingsRetentionRewardsSegmentationTracking/AnalysisPROMOTIONALPROGRAMSPLANNING TOOLSMLB All-Star Game SweepstakesSoundstage SweepstakesMasterCard ChampionshipHoliday PromotionSummer Music PromotionAugust 6, 200717JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECEarly ActivationGeneral UsageMerchant OfferingsRetentionRewardsSegmentationTracking/AnalysisPLANNING TOOLSAugust 6, 2007182008 Turnkey PricelessPromotionsSummer Music Promotion(In market: 7/1 ”9/2)Versioning available: Prepaid, Hispanic, PayPassMusic really matters to our cardholders. And this summer we want to bring our cardholders ‚inside the music.‚ MasterCard willtap into the consumer passion for music and live entertainment with a promotional platform that leverages a new Music Entertainment Sponsorship: Soundstage. Assets will be provided for you to drive acquisition, activation, and usage. Double entries will be awarded for tapping with MasterCard PayPass®.Holiday Promotion (In market: 10/15 ”1/2)Versioning available: Prepaid, Hispanic, PayPass The holiday shopping season is a great time to focus on driving usage. MasterCard will help your issuers capitalize on this peakspend season with a promotional platform sure to excite cardholders. Priceless assets and great prizes will help to drive your holiday acquisition, activation, and usage business. Double entries will be awarded for tapping with MasterCard PayPass®. Theme to be announced. August 6, 2007192008 Turnkey Sponsorship PromotionsSoundstage Concert Sweepstakes (In market: 2/1 ”3/31)Soundstage is a unique music program featuring Priceless performances by leading artists. MasterCard has exclusive rights to these original, one-of-a-kind performances. During February and March, we’ll run a program where MasterCard-only invited audiences will have the chance to attend an up close and personal Soundstage event. One lucky person will win a trip for two to Grainger Theatre in Chicago for a Priceless concert experience. All Star Game Sweepstakes (In market: 4/1 ”5/31)Since 1933, the MLB All-Star Game gives the best players in the league a chance to play together for one magical night. And we want your cardholders to be part of this amazing event„up close and personal! MasterCard is going to give one lucky person the chance to win a trip for four to the MLB All-Star Game. Every time your cardholders use their MasterCard cards between April 1 and May 31,2008, they will automatically be entered for a chance to win.World Series Sweepstakes (In market: 8/1 ”9/15)MasterCard is giving one lucky person and three guests the chance to watch history in the making. Every time your cardholdersuse their MasterCard cards between August 1 and September 15, 2008, they’ll automatically be entered for a chance to win a 3-day/2-night trip to a 2008 MLB‟ World Series® game.MasterCard Championship (Golf) Sweepstakes (In market: 10/1 ”11/30)There’s nothing like the feeling when you sink a hole-in-one. And, if your cardholders can’t get a hole-in-one, one lucky cardholder might see a pro sink one! MasterCard®and the PGA have teamed up to give your cardholders a chance to win a trip for four to the 2008 MasterCard Championship in Kona, Hawaii, when they use their MasterCard cards between October 1 and November 30, 2008. August 6, 200720PROMOTIONAL PROGRAMS: PREMIUM2008 MasterCard Global Premium Collection™Special Offers for Gold, Platinum, World,and World Elite CardholdersThe MasterCard Global Premium Collection has always been key to helping you connect with your affluent cardholders. The Collection features special offers and discounts such as upgrades and complimentary amenities from brand-name retailers and service providers that help drive acquisition, activation, premium card usage, and retention. The MasterCard Global Premium Collection provides global reach and appeal that provide affluent cardholders with the opportunity to take advantage of a wide range and variety of offers from fashionable and upscale merchants. “Many value-added offers to choose from“High-resolution artwork and copy “Communicate offers individually or bundled via your existing communication channels“Customizable statement insert and email templates“Web banners August 6, 200721Merchant Offers for cardholders who carry a MasterCard card to access a home equity line of creditSupport activation and usage of HELOC accounts with offers for products and services associated with home improvement. Insert offers into:Turnkey self-mailerStatement InsertsStatement MessagingWelcome KitsUsage IncentivesE-mailAugust 6, 200722MasterCard Unique Experiences for MasterCard Worldand World Elite CardholdersMasterCard is opening doors for you through its MasterCard Unique Experiences program, providing access to an exciting world of fine dining, luxurious spas, high-end shopping experiences, live performing arts events, and much more, in cities across the U.S. Select from unique experiences from categories such as: Culinary:Enjoy a wide variety of culinary experiences such as a home cooking lesson with a professional chef for an unforgettable night of fun and fine cuisine. Entertainment:Have your pick of prime seating„at no extra charge„to some of the hottest live performances in the country. Lifestyle:Escape from the daily routine and relax at one of our luxurious spas, enjoy a personalized shopping experience, or choose from a selection of golf packages to play at PGA golf courses.August 6, 200723JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECEarly ActivationGeneral UsageTransaction FrequencyCategory ExpansionMerchant OfferingsRetentionRewardsSegmentationTracking/AnalysisPLANNING TOOLSAugust 6, 200724August 6, 200725JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECEarly ActivationGeneral UsageTransaction FrequencyCategory ExpansionMerchant OfferingsRetentionRewardsSegmentationTracking/AnalysisPLANNING TOOLSAugust 6, 200726Rewards Competitive Assessment*Rewards Competitive Market Scan, from MasterCard Advisors‟ Loyalty Consulting & Rewards Services, provides an unparalleled, value-added view of the rewards marketplace. This subscription service helps an issuer meet one of the main challenges in today’s market.Rewards Enhancement Services*A Rewards Diagnostic takes an in-depth look at the features, operations, marketing practices and metrics of your card rewards program.“The Rewards Diagnostic is targeted to the issuer’s needs and business objectives. However, on a general basis, it encompasses:”Diagnostic Design”Data/Process Gathering”Data Review & Analysis”Key Findings & Assessment”Final Report & Recommendations*MasterCard Advisors‟ Loyalty Consulting & Rewards ServicesAugust 6, 200727Segmentation SupportA Portfolio Diagnostic*analyzes the issuers transactional and customer data (as provided by the Issuer) and performs a segmentation analysis which identifies opportunity segments to pursue targeted penetration, activation and usage related marketing campaigns to optimize the performance of the portfolio.Tracking and AnalysisPortfolio Analytics*provides customer-specific information about marketing, risk, operations and fraud. This data, in conjunction with information about specific regions and countries, facilitates more effective portfolio strategies and management. Campaign Manager* an interactive information-enabled application tailored specifically to the needs of the payments industry. It enables issuers to: ”Increase marketing productivity by automating cardholder selection and segmentation and by building portfolios and marketing cells in real time ”Improve campaign results by using prior transaction behavior, card specific metrics and user-defined fields to target those cardholders most likely to respond ”Track and report cardholder behavior before, during and after a campaign in order to analyze a promotion’s effectiveness and modify it accordingly for future campaigns ”Campaign Management’s advanced capabilities and ease of use will help you realize more revenue potential from your marketing campaigns. Campaign Management is available to issuers through PortfolioAnalytics. *MasterCard Advisors‟August 6, 200728JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECEarly ActivationGeneral UsageTransaction FrequencyCategory ExpansionMerchant OfferingsRetentionRewardsSegmentationTracking/AnalysisPLANNING TOOLSBusinessCalendar DetailsAugust 6, 200730August 6, 200731August 6, 200732Calendar Descriptions: Small BusinessBusiness Credit and Debit Activation and Usage Sweepstakes (In market: 4/1 ”5/31)MasterCard has conducted extensive testing and research among small business owners to understand what it takes to own and run a small business. And it was no surprise to learn what small business owners desired most was being in control of the decisions that drive their business. That’s why they decided to start their own business and become their ‚own boss.‛ In addition to having autonomy over their business, small business owners also told us that funding was critical to turning their visions into reality and creating a successful business. Only they know what their business needs, and this promotion could help them get it. Business Credit and Debit Monthly Bonus Promotion (In market: 1/1 ”12/31)MasterCard has created a small business specific version of the very popular Monthly Bonus promotion. During this promotion which runs January 1 ”December 31, 2008, one of your small business credit or debit cardholders could benefit from a prize that not only recognizes endless dedication to a dream but also allows for a much needed day off. Grand Prize full year $100,000 and monthly prizes of $10,000.Turnkey materials will be available to you throughout the year. Double entries will be awarded for tapping with MasterCard PayPass®August 6, 2007332008 Turnkey Sponsorship PromotionsAugust 6, 200734Easy Savings Program (Launch: 9/23)Now MasterCard BusinessCard®works even harder for your issuers. Business cardholders can enjoy automatic rebates at great merchant partners across the travel, entertainment and business tools categories. Cardholders sign up at www.mastercardeasysavings.comand just use their MasterCard BusinessCard at any one of the participating partners. Rebate savings add up automatically their monthly statement or track them online. Use Easy Savings to drive acquisition, activation, usage and retention. EASYSAVINGSAugust 6, 200735August 6, 200736August 6, 200737BusinessCard PayPassAwarenessEducate cardholders on MasterCard PayPassto help to drive card activation and usage. Marketing materials include Direct Mail and Statement InsertsAugust 6, 200738August 6, 200739Rewards Competitive Assessment*Rewards Competitive Market Scan, from MasterCard Advisors‟ Loyalty Consulting & Rewards Services, provides an unparalleled, value-added view of the rewards marketplace. This subscription service helps an issuer meet one of the main challenges in today’s market.Rewards Enhancement Services*A Rewards Diagnostic takes an in-depth look at the features, operations, marketing practices and metrics of your card rewards program.“The Rewards Diagnostic is targeted to the issuer’s needs and business objectives. However, on a general basis, it encompasses:”Diagnostic Design”Data/Process Gathering”Data Review & Analysis”Key Findings & Assessment”Final Report & RecommendationsAugust 6, 200740Segmentation SupportA Portfolio Diagnostic*analyzes the issuers transactional and customer data (as provided by the Issuer) and performs a segmentation analysis which identifies opportunity segments to pursue targeted penetration, activation and usage related marketing campaigns to optimize the performance of the portfolio.MasterCard (through Advisors) has predictive models*for business debit that allow issuer to identify current card users with highest potential to increase usage and determine small businesses "hidden" among consumer accountsAugust 6, 200741Tracking and AnalysisPortfolio Analytics*provides customer-specific information about marketing, risk, operations and fraud. This data, in conjunction with information about specific regions and countries, facilitates more effective portfolio strategies and management. Campaign Manager* an interactive information-enabled application tailored specifically to the needs of the payments industry. It enables issuers to: “Increase marketing productivity by automating cardholder selection and segmentation and by building portfolios and marketing cells in real time “Improve campaign results by using prior transaction behavior, card specific metrics and user-defined fields to target those cardholders most likely to respond “Track and report cardholder behavior before, during and after a campaign in order to analyze a promotion's effectiveness and modify it accordingly for future campaigns “Campaign Management's advanced capabilities and ease of use will help you realize more revenue potential from your marketing campaigns. Campaign Management is available to issuers through Portfolio Analytics. August 6, 200742August 6, 200743Thank you.