Place Conference

David Galvan, VPMasterCard

March 21, 2016

2015 MasterCard. Proprietary and Confidential.September 23, 2016

2016 MasterCard.Proprietary

The MasterCard Most of You Know

September 23, 2016

210countries

38 millionacceptance locations

10,300employees

52 billiontransactions

US $4.5 trillion gross dollar volume

US $9.7 Billion2015 Net Revenue

US $3.9 Billion2015 Net Income

2016 MasterCard.Proprietary

The Traditional View of the Network

September 23, 2016

2016 MasterCard.Proprietary

A New Way of Looking at MC and our Commitment to Digital Commerce

September 23, 2016

MasterCard Loyalty Services

Prepaid, Corporate and Co-brand card programs.

Acquisitions Investments and Mentorship

Network advice: Auth/Declines,Fraud

Digital Partners

Product Innovation and Collaboration (Launch-Pad)

E-Commerce Enablement

2016 MasterCard.Proprietary

Mastercard Data Products:Insights Direct From Consumer and Merchant Spend

September 23, 2016

Real time cleansed, aggregated and anonymous transaction data

160M TRANSACTIONSPER HOUR

2.5B GLOBAL CARDS

Understand and Segment Consumers Existing Customers Prospective Customers

Evaluate and Improve: Measure campaign impact on sales Understand the converting audience

Deploy a Marketing Campaign Omni Channel: Digital, Email, Direct

Mail, Social, Radio, TV

Know Measure Act

MasterCard InsightsTM analyzes customer spending habits, providing detailed customer profiles that can be used for retention and acquisition.

MasterCard Media MeasurementTM links online ad impressions with offline transactions.allowing advertisers to understand a campaigns impact on sales.

MasterCard AudiencesTMare sold through online ad networks and data exchanges. They offer media buyers a way to reach likely purchasers with greater efficiency.

52B TRANSACTIONSAnnually

2016 MasterCard.Proprietary

MasterCard AudiencesFor Digital, E-mail, Direct Mail, Video, Social, Radio & TV Marketing

What Value Does it Provide?

Capability to reach your best prospects using MasterCard proprietary prospecting models, incorporating those likely to shop heavily in category and/or have a propensity to buy again in the next 30-90 days

Models are scaled to the total US consumer universe and integrate with 3rd party data to create a customized unique prospect list

Fast standard segments available for purchase on digital exchanges and can be delivered to letter shop one week from contract close

Flexible for broad application in digital, e-mail, direct mail, video, mobile, social, radio and TV

Reach your best prospects using MasterCards premium

customer acquisition solution

6

2016 MasterCard.Proprietary

7

Customer Example: Big Box Retailer

Situation

Issue: Retailer was looking to segment customers who:

Spend little with the retailer but do spend within their retail category Do not spend with the retailer but spend with competitors within their retail category Spend during the 5 week holiday campaign: Black Friday through the end of Q4

Approach

Results

Utilizing proprietary spending data and analytical solutions:

Applied MasterCard Custom Audiences to develop distinct segments Ran Facebook newsfeed ads to display MasterCard co-branded creative and

adjusted ad placement by time of day, day of week and creative unit

8M REACHED47M

IMPRESSIONS

ROI: $50K SPEND YIELDED

$780K IN SALES

$15.67: $1 SPENT

$1.06 CPM REPRESENTED

4-7X LOWER AVERAGE

COSTVS. FACEBOOK ADS INOFF-PEAK TIMESLOTS

The Student Hub

SM

Chegg and the Use of First-Party DataMatthew Mulqueen, VP of Brand PartnershipsSeptember 21, 2016

Scaling to Reach More Students than Ever

Cheggs direct-to-student learning services reach

1 Source: Annual comScore U.S. Annual Unique Visitors (Custom Analytics), April 2015 - March 20162 Source: Monthly comScore U.S. Monthly Unique Visitors (Custom Analytics), March 2016

40MMUnique Visitors Annually1

10MMUnique Visitors Monthly2

Over

delivering services that are both popular anduseful for students from middle school to the start of their careers

&

Chegg ServicesStudents subscribe to our learning services:

Chegg Study Chegg Tutors Chegg Writing Tools Chegg Test Prep

Get help navigating college through outcome services:

Enrollment Brand Partnership Careers

Required MaterialsPurchase or rent required class materials for less: Print Textbooks & eTextbooks

Over

Confidential Material Chegg Inc. 2005 - 2016. All Rights Reserved.

DATA MANAGEMENT PLATFORM

DATA COLLECTED AS STUDENTS EXPERIENCE LIFE EVENTS

College Entrance Exams

Applying/Enrolling in College

High School

Graduation

Prepping For Life

at College

Homework and Exams

College Life

Transferring Schools Building

Resume

Choosing a Career Path College

Graduation

Grad School Exams

DATA COLLECTED AS STUDENTS INTERACT WITH CHEGG SERVICES

College Search

SAT/ACT Prep Scholarship

Search

Textbook Rental Chegg

Study

Chegg Tutors Chegg

Play

Transfer Search Internships

.comCareer Advice Grad

School Search

High School College Career Grad School

Demo & Location Education Behaviors & Interests

AgeGender

HH addressCollege residence

High school or college graduation year

Field of study

4-year or 2-year college

Private or public college

College search activityTextbook rentals

Study habits & usageSpending habits(CC purchase data)

College lifestyle(engagement with Chegg entertainment

content and social contests)

Career interests

Student Data Attributes

College Bound HS Students

Incoming College Freshmen

Existing College Students

Studious Students

Cash Strapped Students EntertainmentSeekers

Internship/Job Seekers Outgoing College Students

Recent College Grads

Student Segments

SEGMENT DECLARED DATA INFERRED DATA

College-Bound High School Students

Student Type = High School OR HS Student Grad Year = 2017, 2018

Incoming College Freshmen College Grad Year = 2020, 2021 HS Grad Year = 2016

100-level textbook rentals

Existing College Students Student Type = College OR College Grad Year = 2016-2020

Textbook rentals HS Grad Year = 2013-2016

Studious Students Chegg Study users OR Chegg Tutors users

Cash-Strapped Students Textbook renters OR scholarship seekers

Internship/Job Seekers Students applying to internships or jobs

Outgoing College Students Grad Year = 2017 400-level textbook rentals

Recent College GradsGrad Year = 2014 - 2016

Chegg Student Data

Purchaser Data

QSR Frequent Buyers

Female Apparel Frequent Buyers

Family Apparel Frequent Buyers

Big Box Retailers Frequent Buyers

Expanded Student Segments with MasterCard

Data SourcesData

AttributesData

Segments

UserProfileData

User Behaviors

3rd PartyData

PartnerData

Demo

Interests

Education

Behaviors

Distributionof data

Location

LSI chicago preso-mastercardPlace ConferenceDavid Galvan, VPMasterCardMarch 21, 2016The MasterCard Most of You KnowThe Traditional View of the NetworkA New Way of Looking at MC and our Commitment to Digital CommerceMastercard Data Products:Insights Direct From Consumer and Merchant SpendSlide Number 6Customer Example: Big Box Retailer

LSA Presentation - Chegg 09212016Slide Number 1Scaling to Reach More Students than Ever Slide Number 3Slide Number 4Slide Number 5Slide Number 6Slide Number 7Slide Number 8Slide Number 9Slide Number 10