Mastercard Asia Pacific Risk Leadership Conference Bali, Indonesia July 30 - August 2, 2018 DRAFT AGENDA

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1 Monday, July 30, Pre-Conference Sessions Pre-Conference Sessions Workshop and Early Conference Registration Pre-Conference Workshop Lunch Pre-Conference Workshop: Chargeback Processing Mastercard New Claims Manager and Important Rule Changes Pre-Conference Workshop: Mastercard Vendor Seminar Welcome Reception Venue: Beach Garden Tuesday, July 31, Risk Leadership Conference Registration and Vendor Showcase Venue: Kecak Ballroom Foyer General Session Venue: Kecak Ballroom Keynote: Conference Welcome and Fireside Chat Keynote Ayesha Khanna : Threats and Opportunities in an AI-Driven World We are entering a new age in humanity's history. Known as the Hybrid Age, it describes a time when technology is ubiquitous, intelligent, social and increasingly invisible. Ayesha Khanna discusses the opportunities for using the underlying technologies to scale financial inclusion for billions across the globe, but also the security threats it inevitably brings with it. How can we innovate in fintech with AI even as we are forced to use AI to also protect from the outcomes of such innovation? Converging Technologies Providing End-to-End Visibility in a Digital World With the digital consumer journey being of utmost importance, Mastercard leaders will discuss how technologies like passive biometrics, artificial intelligence and emerging digital standards are able to provide an end-to-end view of the transaction lifecycle and ensure each transaction is safe, simple and secure, while maintaining a positive consumer experience. Power Talk: The Rise of Artificial Intelligence From Siri to self driving cars, the innovation in artificial intelligence now plays a significant role in our everyday lives. In the payments space, it is becoming an integral tool for businesses as it is highly adaptive and ever-changing. Join this session to learn the importance of AI and how it can transform your business. 11:00AM - 1:30PM 6:30PM - 8:30PM 9:00AM - 5:30PM 7:30AM - 9:00AM 9:00AM - 5:30PM 9:00AM - 9:30AM 9:30AM - 10:15AM 10:15AM - 10:45AM 10:45AM - 11:30AM 11:30AM - 11:50AM

2 The Digital Future The age of digital transformation in the payments and financial services industry is here. But with these opportunities comes a whole new set of risks and threats that are emerging. Key industry leaders will discuss the importance in today's digital world where the focus should be on security now more than ever. Lunch Protecting Against the Next Wave of Global Cyber Threats Cyber-attacks have transformed over recent years spanning the globe, hitting the biggest brands, destabilizing governments, ripping up the rules of our new digital world targeting society. Payments and digital commerce are at the front line of this cyber battlefield. We will hear from cybersecurity leaders from Mastercard and industry on how the next wave of major attacks will evolve and how we can be proactive in defending against sophisticated threats. The Business of Stolen PAN Data The dark web is often discussed vaguely or inaccurately, but is a key enabler of the fraud economy, as a streamlined source of trade in payment cards and personal data. The cybercrime economy has matured and finding ways to disrupt its impact requires a fresh framework. By mapping the supply chain of fraud on the dark web, organizations can learn where to focus their risk mitigation resources and how best to assess exposure of sensitive data. Learn how stolen PAN data is commoditized, traded, distributed, sold, and consumed; about the economic drivers of the dark web data economy and the opportunities to disrupt the supply chain. Power Talk: Detecting Fraud Before It Happens With the increase in data breaches over the years, it is increasingly more difficult for issuers to proactively and accurately determine which at-risk PANs will be used for fraud and when to re-issue at-risk PANs. Research shows that false declines and reactive card replacements damage cardholder loyalty and future use of the account. In this session, we will discuss a new product that will help issuers identify which at-risk PANs will most likely be exploited by fraudsters before the fraud occurs potentially reducing fraud losses and impact on cardholders. Global and Regional Fraud Trends Fraud leaders discuss current fraud trends and best practices to help decision makers understand the dynamics associated with regional and market challenges. Innovation and Evolution of Anti-Fraud Technology With the increase in data breaches and cyber threats it has become increasingly difficult for stakeholders to proactively address and manage these threats. This session will cover comprehensive solutions that protect stakeholders against mass attacks and fraud loss, enhance transaction decisioning, optimizing portfolios and experience for both businesses and consumers. 11:50AM - 12:30PM 1:30PM - 2:10PM 2:10PM - 2:40PM 2:40PM - 3:10PM 3:10PM - 3:40PM 3:40PM - 4:20PM 4:20PM - 4:45PM

3 PIN on Glass Industry reports cite the cost of MPOS as one of top 3 reasons why small businesses may be hesitant to accept card payments. Join this session to learn more about the opportunities to expand acceptance and lower costs to small businesses through the release of the new PIN on Glass standards, which allow for PIN Entry Apps on a merchants mobile device for accepting PIN based EMV transactions instead of hardware PIN pads. End of Day One Cocktails and Gala Dinner Venue: Retreat Garden Wednesday August 1, Risk Leadership Conference Coffee and Vendor Showcase Venue: Kecak Ballroom Foyer General Session Venue: Kecak Ballroom Comprehensive Solutions Changing the Payments Ecosystem Chargebacks, friendly fraud and false declines are significant and growing concerns for all players within the digital space. Join this panel discussion to hear more about how the EMVCo 3DS Infrastructure will be leveraged to deliver smarter authentication and transaction decisioning. Cybercrime in Social Media and its Impact on Card Fraud Social networks attract all kinds and now, not surprisingly, they re the fastest growing platform for cybercriminals to congregate. The use of social media as a communication channel to trade and sell stolen identities/cards as well as share cybercrime best practices is on the rise. From live compromised payment cards to carding services and malware kits, the volume of visible fraud activity is pointing to social media platforms as the new Dark Web. Identity Fraud in a Connected World Join this session to hear more from the industry on the complex identity fraud schemes and tactics that criminals are engaging in leaving record numbers of victims in their wake, and the necessity for a layered approach to security. Battling Fraud with Behavioral Biometrics Cyber-attack schemes are growing in size and sophistication so fast they are hard to keep up with. We will help you make sense of the fraud landscape and secure your digital environment using multi-layered solutions that include behavioral biometrics. 4:45PM - 5:30PM 5:30PM 6:30PM - 9:30PM 9:10AM - 5:00PM 8:00AM - 9:00AM 9:10AM - 5:00PM 9:10AM - 9:50AM 9:50AM - 10:20AM 10:20AM - 10:50AM 10:50AM - 11:20AM 11:20AM - 12:00PM

4 Power Talk: The Evolving World of Cryptocurrencies The issue is no longer whether crypto currency will survive, but rather how it will survive and how it will evolve. Industry stakeholders will all play a role in the process as we look to further define and understand the revolutionary technological possibilities. Lunch Key Drivers Enabling Secure Digital Infrastructure and Consumer Protection The security of our increasingly digital world is top of mind with government officials. Learn how Mastercard is shaping the payments security dialogue with governments and partnering with them to enable secure digital infrastructures and consumer protection while promoting stability and economic growth. Power Talk: Connecting Financial Fraud Across Payment Networks Fraudsters and money launderers are well connected across the payments networks. Until now, getting a complete picture of how these networks operated and how vast and connected they are has been extremely difficult. With the development of real-time payments, being better connected is becoming increasingly important to fight financial fraud. Data Driving the Discovery of Fraudsters Data is energy for finding fraudsters. Data science is a hybrid engine, blending technology and analysts for greater efficiency. Fraud, risk and compliance units of the future will include new specialist skillsets to bring it all together. The presentation will describe how tapping more forms of data energizes the search for bad actors. Data partnerships between formerly siloed sources, such as merchant, cardholder and transaction information, create new power to find fraudsters. This includes website characteristics, merchant history, chargebacks, and cardholder purchase patterns. Graph analysis harnesses data in new ways as graph databases replace relational databases for investigations. Graph analysis has proven particularly useful in mapping transaction launderers, pharma networks and counterfeit rings. Managing Fraud and Compliance in a Connected World This session will include an open discussion, and will cover the latest compliance and fraud trends and the Mastercard programs that are in place to address and help. New MasterCom Efficiencies Promote Prompt Dispute Resolution Keep disputes from becoming chargebacks. Mastercard is embarking on an ambitious strategy designed to reduce chargebacks and promote prompt, efficient dispute resolution. Join this session for a deep dive discussion on the new changes to MasterCom that are launching in End Of Conference 12:00PM - 12:30PM 1:30PM - 2:15PM 2:15PM - 2:45PM 2:45PM - 3:15PM 3:15PM - 3:45PM 3:45PM - 4:25PM 4:25PM - 5:00PM 5:00PM

5 Thursday August 2, Post-Conference Sessions Post-Conference Workshop Registration 8:00AM - 9:00AM Post Conference Sessions Post-Conference Workshop: Security Workshop for Payments Post-Conference Workshop: EMV 3-D Secure Education & Implementation Workshop Post Conference Lunch