Mastercard (MA) 8-K Second-quarter net income of $608 million, or $4.76 per diluted share

Exhibit 99.1

News Release

MasterCard Incorporated Reports

Second-Quarter 2011 Financial Results

• Second-quarter net income of $608 million, or $4.76 per diluted share

• Second-quarter net revenue increase of 22.1%, to $1.7 billion

• Second-quarter gross dollar volume up 16.4% and purchase volume up 16.3%

• Second-quarter operating income increase of 23.3%

Purchase, NY, August 3, 2011 – MasterCard Incorporated (NYSE: MA) today announced financial results for the second quarter of 2011. The company reported net income of $608 million, up 32.8%, and earnings per diluted share of $4.76, up 36.4%, in each case versus the year-ago period.

Net revenue for the second quarter of 2011 was $1.7 billion, a 22.1% increase versus the same period in 2010. On a constant currency basis, net revenue increased 18.0%. Net revenue growth was primarily driven by the impact of the following:

• A 16.4% increase in gross dollar volume on a local currency basis, to $811 billion;

• An increase in cross-border volumes of 19.3%; and

• An increase in processed transactions of 17.4%.

These factors were partially offset by an increase in rebates and incentives primarily due to new and renewed customer agreements and increased volumes.

Worldwide purchase volume during the quarter was up 16.3% on a local currency basis versus the second quarter of 2010, to $608 billion. As of June 30, 2011, the company’s customers had issued 1.7 billion MasterCard and Maestro-branded cards.

“Solid global performance, including strong increases in volume and processed transactions, fueled double-digit revenue growth this quarter,” said Ajay Banga, MasterCard president and chief executive officer. “While payment volumes have risen across our base customers, we’re also seeing new business such as the portfolio conversions of SunTrust and Sovereign, as well as new processing relationships in the Netherlands and in Brazil, contribute to growth.”

Banga said, “During the quarter, work continued in the mobile commerce category highlighted by an agreement with Google and multiple partners to launch the Google Wallet, as well as our alliance with Isis, in the U.S. Additionally, the previously announced Orange and Barclaycard contactless mobile payment service became available to U.K. consumers in May. Other notable agreements we executed include a commercial alliance with China Union Pay to enable its cards for cross-border e-Commerce, and a new, multi-product agreement with Swedbank in the Nordics and Baltics region.”

-more-

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Total operating expenses increased 20.8%, to $782 million, during the second quarter of 2011 compared to the same period in 2010. Excluding currency fluctuations, operating expenses were up 17.1%. The increase in total operating expenses was driven by:

• An increase in general and administrative expenses of 24.8%, or 21.3% on a constant currency basis, primarily due to higher personnel expenses and other expenses related to the inclusion of acquisitions and other strategic opportunities;

• An increase in advertising and marketing of 7.1%, or 2.4% on a constant currency basis, driven by sponsorships, as well as customer-specific and strategic initiatives; and

• An increase in depreciation and amortization of 43.2%, or 41.6% on a constant currency basis, primarily due to the amortization of intangible assets from our recent acquisitions and continued investments in technology.

In the second quarter of 2011, excluding acquisitions, net revenue grew approximately 19% and operating expenses grew approximately 14%.

Operating income increased 23.3%, or 18.9% on a constant currency basis, over the year-ago quarter. Operating margin was 53.1%, up from 52.6% in the second quarter of 2010.

MasterCard reported other income of $7 million in the second quarter of 2011 versus other expense of $4 million in the second quarter of 2010. This change was mainly driven by a decrease in interest expense due to lower interest accretion related to litigation settlements and lower interest on uncertain tax positions.

MasterCard’s effective tax rate was 31.8% in the second quarter of 2011, versus a rate of 35.7% in the comparable period in 2010. This decrease was primarily driven by a more favorable geographic mix of earnings in 2011 and discrete adjustments in the second quarter of 2010.

In April 2011, MasterCard’s board of directors amended its share repurchase program authorizing the company to repurchase an incremental $1 billion of class A common stock, bringing the authorization to an aggregate of $2 billion. During the second quarter, MasterCard repurchased approximately 1.5 million shares at a cost of approximately $387 million. Quarter-to-date through July 28, the company repurchased an additional 77,700 shares of class A common stock at a cost of approximately $24 million, with $935 million remaining under the current repurchase program authorization.

Year-to-Date 2011 Results

For the six months ended June 30, 2011, MasterCard reported net income of $1.2 billion, up 28.2%, and earnings per diluted share of $9.05, up 30.2%, in each case versus the year-ago period.

Net revenue for the six months ended June 30, 2011 was $3.2 billion, an increase of 18.5% versus the same period in 2010, or 16.4% on a constant currency basis. Cross-border volume growth of

MasterCard Incorporated – Page 3

18.9%, gross dollar volume growth of 14.7%, transaction processing growth of 14.3% and the net impact of pricing changes of approximately 3 percentage points contributed to the net revenue growth in the year-to-date period. These factors were partially offset by an increase in rebates and incentives primarily due to new and renewed customer agreements and increased volumes.

Total operating expenses increased 15.3%, to $1.4 billion, for the six-month period compared to the same period in 2010. Excluding currency fluctuations, total operating expenses increased 13.5%.

Operating margin was 54.3% for the six months ending June 30, 2011, up from 53.0% in the first half of 2010.

Total other income was $7 million for the six-month period versus other expense of $9 million for the same period in 2010. This change was primarily driven by a decrease in interest expense due to lower interest accretion related to litigation settlements and lower interest on uncertain tax positions.

MasterCard’s effective tax rate was 32.3% in the six months ended June 30, 2011, versus a rate of 35.1% in the comparable period in 2010. This decrease was primarily due to a more favorable geographic mix of earnings in 2011.

Second-Quarter Financial Results Conference Call Details

At 9:00 a.m. ET today, the company will host a conference call to discuss its second-quarter financial results.

The dial-in information for this call is 800-299-9630 (within the U.S.) and 617-786-2904 (outside the U.S.) and the passcode is 14526215. A replay of the call will be available for one week following the meeting. The replay can be accessed by dialing 888-286-8010 (within the U.S.) and 617-801-6888 (outside the U.S.) and using passcode 71099631.

The live call and the replay, along with supporting materials, can also be accessed through the Investor Relations section of the company’s website atwww.mastercard.com.

About MasterCard Incorporated

MasterCard (NYSE: MA) is a global payments and technology company. It operates the world’s fastest payments processing network, connecting consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories. MasterCard’s products and solutions make everyday commerce activities – such as shopping, traveling, running a business and managing finances – easier, more secure and more efficient for everyone. Learn more at mastercard.com.

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Forward-Looking Statements

Statements in this press release which are not historical facts, including statements about MasterCard’s plans, strategies, beliefs and expectations, are forward-looking and subject to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements speak only as of the date they are made. Accordingly, except for the company’s ongoing obligations under the U.S. federal securities laws, the company does not intend to update or otherwise revise the forward-looking information to reflect actual results of operations, changes in financial condition, changes in estimates, expectations or assumptions, changes in general economic or industry conditions or other circumstances arising and/or existing since the preparation of this press release or to reflect the occurrence of any unanticipated events. Such forward-looking statements include, without limitation, statements related to contributions to growth from portfolio conversions and new processing relationships, as well as continued work on agreements and commercial relationships in areas such as mobile and e-Commerce.

Actual results may differ materially from such forward-looking statements for a number of reasons, including those set forth in the company’s filings with the Securities and Exchange Commission (SEC), including the company’s Annual Report on Form 10-K for the year ended December 31, 2010, the company’s Quarterly Reports on Form 10-Q and Current Reports on Form 8-K that have been filed with the SEC during 2011, as well as reasons including difficulties, delays or the inability of the company to achieve its strategic initiatives set forth above. Factors other than those listed above could also cause the company’s results to differ materially from expected results.

###

Contacts:

Investor Relations: Barbara Gasper, investor_relations@mastercard.com, 914-249-4565

Media Relations: Jennifer Stalzer, jennifer_stalzer@mastercard.com, 914-249-5325

MasterCard Incorporated – Page 5

MASTERCARD INCORPORATED

CONSOLIDATED STATEMENT OF OPERATIONS

(UNAUDITED)

	Three Months Ended June 30,						Six Months Ended June 30,
	2011			2010			2011			2010
	(in millions, except per share data)
Revenues, net	$	1,667		$	1,365		$	3,168		$	2,673
Operating Expenses
General and administrative		540			433			1,034			891
Advertising and marketing		193			180			322			295
Depreciation and amortization		49			35			91			70
Total operating expenses		782			648			1,447			1,256
Operating income		885			717			1,721			1,417
Other Income (Expense)
Investment income		11			13			23			23
Interest expense		(2	)		(17	)		(12	)		(32	)
Other income (expense), net		(2	)		—			(4	)		—
Total other income (expense)		7			(4	)		7			(9	)
Income before income taxes		892			713			1,728			1,408
Income tax expense		284			255			558			495
Net income		608			458			1,170			913
Income attributable to non-controlling interests		—			—			—			—
Net Income Attributable to MasterCard	$	608		$	458		$	1,170		$	913
Basic Earnings per Share	$	4.77		$	3.50		$	9.08		$	6.97
Basic Weighted Average Shares Outstanding		127			131			129			131
Diluted Earnings per Share	$	4.76		$	3.49		$	9.05		$	6.95
Diluted Weighted Average Shares Outstanding		128			131			129			131

MasterCard Incorporated – Page 6

MASTERCARD INCORPORATED

CONSOLIDATED BALANCE SHEET

(UNAUDITED)

	June 30, 2011			December 31, 2010
	(in millions, except share data)
ASSETS
Cash and cash equivalents	$	2,764		$	3,067
Investment securities available-for-sale, at fair value		840			831
Investment securities held-to-maturity		—			300
Accounts receivable		713			650
Settlement due from customers		483			497
Restricted security deposits held for customers		608			493
Prepaid expenses		401			315
Deferred income taxes		134			216
Other current assets		68			85
Total Current Assets		6,011			6,454
Property, plant and equipment, at cost, net of accumulated depreciation		454			439
Deferred income taxes		23			5
Goodwill		1,068			677
Other intangible assets, net of accumulated amortization		700			530
Auction rate securities available-for-sale, at fair value		81			106
Investment securities held-to-maturity		36			36
Prepaid expenses		373			365
Other assets		279			225
Total Assets	$	9,025		$	8,837
LIABILITIES AND EQUITY
Accounts payable	$	336		$	272
Settlement due to customers		551			636
Restricted security deposits held for customers		608			493
Obligations under litigation settlements		8			298
Accrued expenses		1,280			1,315
Other current liabilities		181			129
Total Current Liabilities		2,964			3,143
Deferred income taxes		130			74
Obligations under litigation settlements		—			4
Other liabilities		450			400
Total Liabilities		3,544			3,621
Commitments and Contingencies
Stockholders’ Equity
Class A common stock, $.0001 par value; authorized 3,000,000,000 shares, 131,431,450 and 129,436,818 shares issued and 120,605,530 and 122,696,228 outstanding, respectively		—			—
Class B common stock, $.0001 par value; authorized 1,200,000,000 shares, 6,523,961 and 8,202,380 issued and outstanding, respectively		—			—
Additional paid-in-capital		3,465			3,445
Class A treasury stock, at cost, 10,825,920 and 6,740,590 shares, respectively		(2,289	)		(1,250	)
Retained earnings		4,047			2,915
Accumulated other comprehensive income:
Cumulative foreign currency translation adjustments		253			105
Defined benefit pension and other postretirement plans, net of tax		(12	)		(12	)
Investment securities available-for-sale, net of tax		6			2
Total accumulated other comprehensive income		247			95
Total Stockholders’ Equity		5,470			5,205
Non-controlling interests		11			11
Total Equity		5,481			5,216
Total Liabilities and Equity	$	9,025		$	8,837

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MASTERCARD INCORPORATED

CONSOLIDATED STATEMENT OF CASH FLOWS

(UNAUDITED)

	Six Months Ended June 30,
	2011			2010
	(in millions)
Operating Activities
Net income	$	1,170		$	913
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization		91			70
Share based payments		36			31
Stock units withheld for taxes		(32	)		(124	)
Tax benefit for share based compensation		(10	)		(89	)
Accretion of imputed interest on litigation settlements		5			21
Deferred income taxes		94			110
Other		8			6
Changes in operating assets and liabilities:
Accounts receivable		(22	)		(12	)
Income taxes receivable		—			(14	)
Settlement due from customers		42			(1	)
Prepaid expenses		(73	)		(68	)
Obligations under litigation settlements		(300	)		(300	)
Accounts payable		34			(38	)
Settlement due to customers		(127	)		38
Accrued expenses		(84	)		(109	)
Net change in other assets and liabilities		61			4
Net cash provided by operating activities		893			438
Investing Activities
Acquisition of business, net of cash acquired		(460	)		—
Purchases of property, plant and equipment		(35	)		(25	)
Capitalized software		(37	)		(40	)
Purchases of investment securities available-for-sale		(39	)		(68	)
Proceeds from sales of investment securities available-for-sale		30			56
Proceeds from maturities of investment securities available-for-sale		28			60
Proceeds from maturities of investment securities held-to-maturity		301			—
Investment in nonmarketable equity investments		(2	)		(3	)
Net cash used in investing activities		(214	)		(20	)
Financing Activities
Purchases of treasury stock		(1,041	)		—
Payment of debt		(21	)		—
Dividends paid		(39	)		(39	)
Tax benefit for share based compensation		10			89
Cash proceeds from exercise of stock options		8			9
Net cash (used in) provided by financing activities		(1,083	)		59
Effect of exchange rate changes on cash and cash equivalents		101			(209	)
Net (decrease) increase in cash and cash equivalents		(303	)		268
Cash and cash equivalents—beginning of period		3,067			2,055
Cash and cash equivalents—end of period	$	2,764		$	2,323

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MASTERCARD INCORPORATED OPERATING PERFORMANCE

	For the 3 Months ended June 30, 2011
	GDV (Bil.)		Growth (USD)			Growth (Local)			Purchase Volume (Bil.)		Growth (Local)			Purchase Trans. (Mil.)		Cash Volume (Bil.)		Growth (Local)			Cash Trans. (Mil.)		Accounts (Mil.)		Cards (Mil.)		Acceptance Locations (Mil.)
All MasterCard Credit, Charge and Debit Programs
APMEA	$	196		36.3	%		24.7	%	$	132		27.2	%		1,395	$	63		19.6	%		442		287		313		9.5
Canada		31		15.0	%		8.1	%		28		10.3	%		293		3		-9.0	%		5		39		48		0.9
Europe		249		30.0	%		16.7	%		181		14.1	%		2,226		67		24.2	%		387		209		223		9.2
Latin America		69		34.6	%		24.5	%		40		28.0	%		662		29		19.9	%		170		106		130		4.4
Worldwide less United States		544		31.8	%		19.9	%		381		19.4	%		4,576		162		20.8	%		1,004		641		714		24.0
United States		268		9.9	%		9.9	%		227		11.3	%		3,988		41		2.5	%		270		271		303		8.7
Worldwide		811		23.6	%		16.4	%		608		16.3	%		8,564		203		16.6	%		1,274		912		1,016		32.7
MasterCard Credit and Charge Programs
Worldwide less United States		380		28.0	%		16.5	%		323		18.1	%		3,598		57		8.3	%		245		459		522
United States		137		5.3	%		5.3	%		129		6.1	%		1,523		9		-4.7	%		8		146		173
Worldwide		517		21.1	%		13.3	%		452		14.4	%		5,120		65		6.4	%		252		605		695
MasterCard Debit Programs
Worldwide less United States		164		41.4	%		28.5	%		58		27.8	%		978		106		28.9	%		759		181		192
United States		130		15.1	%		15.1	%		98		19.1	%		2,465		32		4.6	%		262		126		129
Worldwide		294		28.4	%		22.2	%		156		22.2	%		3,444		138		22.2	%		1,021		307		321
	For the 6 Months ended June 30, 2011
	GDV (Bil.)		Growth (USD)			Growth (Local)			Purchase Volume (Bil.)		Growth (Local)			Purchase Trans. (Mil.)		Cash Volume (Bil.)		Growth (Local)			Cash Trans. (Mil.)		Accounts (Mil.)		Cards (Mil.)
All MasterCard Credit, Charge and Debit Programs
APMEA	$	374		31.9	%		22.5	%	$	252		24.5	%		2,690	$	122		18.5	%		850		287		313
Canada		57		13.8	%		7.3	%		51		8.8	%		550		6		-4.0	%		10		39		48
Europe		461		22.6	%		15.8	%		339		13.4	%		4,239		123		22.8	%		724		209		223
Latin America		131		30.9	%		22.3	%		76		26.6	%		1,267		55		16.9	%		333		106		130
Worldwide less United States		1,024		26.4	%		18.4	%		718		18.1	%		8,746		305		19.3	%		1,917		641		714
United States		516		7.9	%		7.9	%		435		9.4	%		7,633		81		0.6	%		523		271		303
Worldwide		1,539		19.5	%		14.7	%		1,153		14.6	%		16,380		386		14.8	%		2,440		912		1,016
MasterCard Credit and Charge Programs
Worldwide less United States		716		22.3	%		14.6	%		610		16.4	%		6,884		106		5.2	%		460		459		522
United States		260		5.1	%		5.1	%		244		5.5	%		2,892		16		-0.4	%		14		146		173
Worldwide		976		17.2	%		11.9	%		853		13.1	%		9,776		122		4.4	%		475		605		695
MasterCard Debit Programs
Worldwide less United States		308		36.9	%		28.4	%		108		28.1	%		1,862		199		28.5	%		1,457		181		192
United States		256		10.9	%		10.9	%		191		14.8	%		4,741		65		0.8	%		509		126		129
Worldwide		564		23.7	%		19.8	%		300		19.3	%		6,603		264		20.4	%		1,966		307		321
	For the 3 Months ended June 30, 2010
	GDV (Bil.)		Growth (USD)			Growth (Local)			Purchase Volume (Bil.)		Growth (Local)			Purchase Trans. (Mil.)		Cash Volume (Bil.)		Growth (Local)			Cash Trans. (Mil.)		Accounts (Mil.)		Cards (Mil.)
All MasterCard Credit, Charge and Debit Programs
APMEA	$	144		26.2	%		17.9	%	$	94		14.5	%		1,174	$	49		24.9	%		364		259		281
Canada		27		17.2	%		3.2	%		24		4.7	%		268		3		-6.9	%		5		38		46
Europe		191		9.6	%		13.7	%		143		13.4	%		1,934		48		14.7	%		318		188		202
Latin America		51		22.3	%		15.7	%		29		20.8	%		527		22		9.7	%		157		103		125
Worldwide less United States		413		17.0	%		14.6	%		289		13.7	%		3,903		123		16.9	%		843		587		654
United States		243		-0.3	%		-0.3	%		204		0.7	%		3,586		40		-5.4	%		257		255		288
Worldwide		656		9.9	%		8.6	%		493		7.9	%		7,489		163		10.5	%		1,101		843		942
MasterCard Credit and Charge Programs
Worldwide less United States		297		12.5	%		10.0	%		249		11.9	%		3,146		48		0.9	%		233		445		503
United States		130		-1.4	%		-1.4	%		121		1.1	%		1,475		9		-26.1	%		7		143		172
Worldwide		427		7.9	%		6.2	%		370		8.1	%		4,622		57		-4.6	%		240		589		675
MasterCard Debit Programs
Worldwide less United States		116		30.1	%		28.5	%		40		26.1	%		757		76		29.9	%		610		142		151
United States		113		0.9	%		0.9	%		82		0.1	%		2,111		31		3.0	%		250		112		115
Worldwide		229		13.8	%		13.2	%		123		7.4	%		2,867		107		20.7	%		860		254		266
	For the 6 Months ended June 30, 2010
	GDV (Bil.)		Growth (USD)			Growth (Local)			Purchase Volume (Bil.)		Growth (Local)			Purchase Trans. (Mil.)		Cash Volume (Bil.)		Growth (Local)			Cash Trans. (Mil.)		Accounts (Mil.)		Cards (Mil.)
All MasterCard Credit, Charge and Debit Programs
APMEA	$	284		31.2	%		19.9	%	$	187		16.8	%		2,286	$	97		26.2	%		708		259		281
Canada		50		19.5	%		2.6	%		44		4.6	%		509		6		-10.4	%		10		38		46
Europe		376		15.0	%		12.9	%		282		13.3	%		3,695		94		11.9	%		599		188		202
Latin America		100		25.9	%		15.9	%		56		20.7	%		1,015		44		10.3	%		309		103		125
Worldwide less United States		810		21.8	%		14.9	%		569		14.4	%		7,505		241		16.2	%		1,626		587		654
United States		478		-0.7	%		-0.7	%		397		0.8	%		6,993		81		-7.4	%		513		255		288
Worldwide		1,288		12.4	%		8.6	%		966		8.4	%		14,498		322		9.2	%		2,139		843		942
MasterCard Credit and Charge Programs
Worldwide less United States		585		16.4	%		9.4	%		490		12.0	%		6,075		95		-2.2	%		455		445		503
United States		247		-4.6	%		-4.6	%		231		-0.9	%		2,808		16		-37.1	%		14		143		172
Worldwide		832		9.3	%		4.9	%		721		7.5	%		8,882		111		-9.5	%		469		589		675
MasterCard Debit Programs
Worldwide less United States		225		38.7	%		32.1	%		79		31.6	%		1,431		146		32.4	%		1,171		142		151
United States		231		3.9	%		3.9	%		166		3.4	%		4,185		64		5.2	%		499		112		115
Worldwide		455		18.6	%		16.1	%		245		11.0	%		5,616		210		22.7	%		1,670		254		266

APMEA = Asia Pacific / Middle East / Africa

Note that the figures in the preceding tables may not sum due to rounding; growth represents change from the comparable year-ago period

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Footnote

The tables set forth the gross dollar volume (“GDV”), purchase volume, cash volume and the number of purchase transactions, cash transactions, accounts, cards and acceptance locations on a regional and global basis for MasterCard^®-branded and MasterCard Electronic™-branded cards. Growth rates over prior periods are provided for volume-based data.

Debit transactions on Maestro^® and Cirrus^®-branded cards, Mondex^® transactions and transactions involving brands other than MasterCard are not included in the preceding tables.

For purposes of the table: GDV represents purchase volume plus cash volume and includes the impact of balance transfers and convenience checks; “purchase volume” means the aggregate dollar amount of purchases made with MasterCard-branded cards for the relevant period; and “cash volume” means the aggregate dollar amount of cash disbursements obtained with MasterCard-branded cards for the relevant period. The number of cards includes virtual cards, which are MasterCard-branded payment accounts in connection with which functional cards are not generally issued. Acceptance locations include merchant locations, ATMs and other locations where cash may be obtained.

The MasterCard payment product is comprised of credit, charge and debit programs, and data relating to each type of program is included in the tables. Debit programs include MasterCard-branded debit programs where the primary means of cardholder validation at the point of sale is for cardholders either to sign a sales receipt or enter a PIN. The tables include information with respect to transactions involving MasterCard-branded cards that are not processed by MasterCard and transactions for which MasterCard does not earn significant revenues.

Information denominated in U.S. dollars is calculated by applying an established U.S. dollar/local currency exchange rate for each local currency in which MasterCard volumes are reported. These exchange rates are calculated on a quarterly basis using the average exchange rate for each quarter. MasterCard reports period-over-period rates of change in purchase volume and cash volume on the basis of local currency information, in order to eliminate the impact of changes in the value of foreign currencies against the U.S. dollar in calculating such rates of change.

The data set forth in the GDV, purchase volume, purchase transactions, cash volume and cash transactions columns is provided by MasterCard customers and is subject to verification by MasterCard and partial cross-checking against information provided by MasterCard’s transaction processing systems. The data set forth in the accounts and cards columns is provided by MasterCard customers and is subject to certain limited verification by MasterCard. A portion of the data set forth in the accounts and cards columns reflects the impact of routine portfolio changes among customers and other practices that may lead to over counting of the underlying data in certain circumstances. In order to provide a true indication of how broadly our cards can be used, MasterCard seeks to provide the most accurate acceptance figures possible and to maintain that MasterCard acceptance is unsurpassed worldwide by periodically validating our results with third parties. The data set forth in the acceptance locations column is derived through a proprietary methodology designed to minimize the impact of multiple acquiring in certain markets. This data is based on information provided by our customers and other third parties and is subject to certain limited verification by MasterCard and partial cross-checking against information provided by MasterCard’s transaction processing systems. All data is subject to revision and amendment by MasterCard’s customers subsequent to the date of its release.

Performance information for prior periods can be found in the “Investor Relations” section of MasterCard’s website at www.mastercard.com.

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