1. MasterCard MoneySend Person-to-Person Payments – A Promising Future 10/23/09 Faissal Khdiri, MasterCard Africa

2. The Opportunity

5. Banking penetration of Remittance Consumer is high High familiarity/usage of banking services where they work.. 1 ..and in their home country 2 Home Country UAE & KSA Proprietary Information 1 MasterCard Estimates, MasterCard Proprietary Research

9. Remittances Drive Economic Development and Banking Relationships October 23, 2009 Job MasterCard credit, debit, prepaid card Money Transfer Prepaid Phone / Bank Account Banking Relationship Creditworthiness Home Mortgage Migrant Worker Proprietary Information

10. The Solution

12. How MoneySend Works 10/23/09 Two transactions to accommodate funds transfer between Sender and Recipient Funding Transaction Enables the movement of money from the Sender to the Originating Institution providing the service—typically an “on-us” transaction. Payment Transaction Moves funds from the Originating Institution via the MasterCard global payment infrastructure to the Recipient via Receiving Institution. 1 2

13. 10/23/09 Originating Institution Receiving Institution Account Funded How MoneySend Works Authorization to receiving bank Approval from receiving bank Transmission of funds via clearing 1 2 3 FUNDING TRANSACTION PAYMENT TRANSACTION Network Or Bank Accounts 1 1 2 2 3 3 *Card product availability varies by country Multiple Channels Sender Recipient

14. Why MasterCard?

15. (IMAGE OF GLOBE WITH BRIGHT LINES CONNECTING EVERYWHERE) The World’s Globally Integrated Payments System MasterCard global processing platform connecting consumers with more than 25,000 banks … in 210 countries and territories … using 160 different currencies

17. The information provided herein is strictly confidential. It is intended to be used internally within your organization and cannot be distributed or shared with any other third party, without MasterCard’s prior approval. Information in this presentation or in any report or deliverable provided by MasterCard in connection herewith relating to the projected impact on your financial performance, as well as the results that you may expect generally, are estimates only. No assurances are given that any of these projections, estimates or expectations will be achieved, or that the analysis provided is error-free. You acknowledge and agree that inaccuracies and inconsistencies may be inherent in both MasterCard’s and your data and systems, and that consequently, the analysis may itself be somewhat inaccurate or inconsistent. The information, including all forecasts, projections, or indications of financial opportunities, are provided to you on an "AS IS" basis for use at your own risk. MasterCard will not be responsible for any action you take as a result of this presentation, or any inaccuracies, inconsistencies, formatting errors, or omissions in this presentation.