1. ©2010 MasterCard. Proprietary and Confidential MasterCard Premium Golf Program MasterCard Vietnam Program for Vietnam & Global Premium MasterCard Cardholders

2. ©2010 MasterCard. Proprietary and Confidential Franchisor Our brands, products, relationships, and acceptance network open the door to global commerce Processor Our investment in technology enables customers and partners to provide customized global payment solutions intelligently and effectively Advisor Our industry leadership delivers insights and capabilities—making global commerce more seamless and secure MasterCard’s Unique Three-Tiered Business Model For 25 years in Asia, MasterCard is a Global Franchisor and Trusted Advisor November 21, 2011 Page 2

3. ©2010 MasterCard. Proprietary and Confidential One of The Top 100 Most Valuable Global Brands for 2011 Valued at US$13.5Bn with a 16% increase in valuation from 2010* * BrandZ Top 100 Most Valuable Global Brands 2011 November 21, 2011 Page 3

4. ©2010 MasterCard. Proprietary and Confidential Page 4 Emerging Affluent Elite Affluent MasterCard premium products are designed to meet the payment needs of affluent cardholders Affluent MasterCard Premium Products Income/Wealth Spend/Purchasing Power Platinum Titanium World

5. ©2010 MasterCard. Proprietary and Confidential MasterCard introduced the first Platinum Credit and Debit cards to Vietnam market in 2007 Currently MasterCard has 5 premium card issuers in Vietnam with over tens of thousands of cards in circulation. Vietnam Premium cardholders spend 3.5 times more than Gold cardholders and 15 times more than Standard cardholders Vietnam Premium Market Page 5 September 9, 2010

6. ©2010 MasterCard. Proprietary and Confidential SAMPLE MERCHANT OFFERS

7. ©2010 MasterCard. Proprietary and Confidential Page 7 MasterCard Vietnam Hotel Program Cardholders Benefits (for reference only): The program is designed to provide cardholders special offers and privileged access. General offer description : Accommodation: + 20% discount on best available room rate + Complimentary daily continental breakfast for 2 + Guaranteed late checkout at 4pm + Complementary access to fitness centre + Complimentary wireless internet access + Earn points, if any. Food & Beverage: + Discount 15% on all Food and Beverage at hotel’s restaurants and coffee lounged

8. ©2010 MasterCard. Proprietary and Confidential Page 8 MasterCard Vietnam Hotel Program Merchants Benefits Participating Hotels receive marketing exposure to MasterCard’s affluent cardholders in Vietnam and throughout the world. Marketing channels may include : New cardholder welcome kits (by all issuers in Vietnam) Credit card statement inserts (by all issuers in Vietnam) Direct Mail (by all issuers in Vietnam) Newsletters (by all issuers in Vietnam) Hotels to be featured in MasterCard media coverage Booklet (by all issuers in Vietnam) …

9. ©2010 MasterCard. Proprietary and Confidential Dedicated privilege booklet 30,000 copies distributed to premium cardholders in Vietnam Booklet Page 9 January 13, 2010

10. ©2010 MasterCard. Proprietary and Confidential Page 10 MasterCard Vietnam Hotel Program Merchants Benefits MasterCard channels MasterCard SEA website which draws 26 million traffic per month MasterCard website

11. ©2010 MasterCard. Proprietary and Confidential Page 11 MasterCard Vietnam Hotel Program Merchants Benefits Promotion of program via MasterCard’s merchant banks, airlines, tourism promotion board and travel associations

12. ©2010 MasterCard. Proprietary and Confidential Page 12 MasterCard Vietnam Hotel Program Merchants Benefits Promotion of program via New Media iPhone application