1. ©2011 MasterCard. Proprietary and Confidential MasterCard® M/Chip™ Advance Integrated Data Storage Page 1 November 9, 2011 Integrated Data Storage gives the ability to save transit related information on a payment card and expand the card’s use into the transit space © 2011 MasterCard – Proprietary and Confidential

2. ©2011 MasterCard. Proprietary and Confidential MasterCard® M/Chip™ Advance Integrated Data Storage Page 2 November 9, 2011 Integrated Data Storage allows operators to store data on the card that can be used for loyalty programs. The data can then be used within the standard EMV transaction flow and can optionally be linked to a successful payment © 2011 MasterCard – Proprietary and Confidential

3. ©2011 MasterCard. Proprietary and Confidential MasterCard® M/Chip™ Advance Enhanced Card Risk Management Page 3 November 9, 2011 M/Chip™ Advance allows you to: Have separate risk profiles for contact/contactlessHave separate risk profiles for contact/contactless Have separate risk profiles for CVM/No CVMHave separate risk profiles for CVM/No CVM Maximum transaction amountMaximum transaction amount Maximum days offlineMaximum days offline Therefore better issuer control over an individual card’s risk © 2011 MasterCard – Proprietary and Confidential

4. ©2011 MasterCard. Proprietary and Confidential MasterCard® M/Chip™ Advance Backwards Compatibility Page 4 November 9, 2011 © 2011 MasterCard – Proprietary and Confidential M/Chip™ Advance offers issuer host backwards compatibility with: M/Chip 4 (100% compatible)M/Chip 4 (100% compatible) M/Chip 2.1 (high level of compatibility)M/Chip 2.1 (high level of compatibility) M/Chip 2.2 (high level of compatibility)M/Chip 2.2 (high level of compatibility) M/Chip 2.0.5 (high level of compatibility)M/Chip 2.0.5 (high level of compatibility) M/Chip 2.0.6 (high level of compatibility)M/Chip 2.0.6 (high level of compatibility)

5. ©2011 MasterCard. Proprietary and Confidential MasterCard® M/Chip™ Advance Additional New Features Page 5 November 9, 2011 Dual interface card product fully integrating PayPass TM Offer flexible interface management Enable contactless interface after issuance Enhanced Payment functionality Improved offline prepaid functionality Torn Transaction Recovery Mechanism Offline and Predominately Offline modes Partial Authorisation Simplified CAP Transaction flow and enhanced PIN management Enhanced Logging © 2011 MasterCard – Proprietary and Confidential

6. ©2011 MasterCard. Proprietary and Confidential MasterCard® M/Chip™ Advance Terminal Page 6 November 9, 2011 New Reader Specification supports: Integrated Data StorageIntegrated Data Storage Torn Transaction RecoveryTorn Transaction Recovery M/Chip for MobileM/Chip for Mobile © 2011 MasterCard – Proprietary and Confidential