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Eur opeRegion Pricing BulletinNo. , 14 13September2016 • ServiceFees RevisedAccountDataCompromiseProgram

BulletinNo.

,

14

13September2016

ServiceFees

RevisedAccountDataCompromiseProgram

opic(s):Fraud/Risk,Pricing/Fees T

May

Apply

T

o:

Acquir

ersIssuersPr

ocessors

fective1January2017,issuerswhoopt-intotheMastercardAccount Summary:Ef

anannualopt-infeefor2017,asdescribedinthisbulletin.

MasterCardr

DataCompr

omise(ADC)Pr

ecoveryinadditiontoADCinvestigations,willbechar

eceivethebenefitsof

ogramandwhor

ged

Action

Indicator:

A

R

F

Financialimpact

Customermustr

egistertohaveaccesstopr

oductorservice

Attentionwarranted

Ef

fective

Date:1January2017

Data

espectively.Theserateswer r

fraudr

FRcalculationsar

iscollectedfr

ispr

at-risk

ecovercostsincurr r

Since2007,MasterCardhasadminister

Overview

accounts,associated

edapr

ogramthatenablesanissuertopartially

a

ADC

Event.Issuer

r

edforfraudlosses,andcostsforr

with

eimbursement

eissuingandenhancedmonitoringof

MasterCard

conclusive

ovidedinthefor

omther

mofFraudRecovery(FR)andOperationalReimbursement(OR),and

esponsiblecustomer(s)accountablefortheEvent.TheORand

minedbycardtechnologytypeandtheamountofcounter

feit

eoutlinedintheAccount

edeter

fectively(SAFE)overaparticularperiod, voidFraudEf eportedintheSystemtoA

eenhancedin2014and2015,andar

Compr

omise

User

GuideavailableviaMasterCardConnect

.

Compr omise User Guide availableviaMasterCardConnect ™ . ©2016Mastercard.Pr oprietary.Allrightsr Production

©2016Mastercard.Pr

oprietary.Allrightsr

Production

Review—Due

eserved.

2

FR,withacapofUSD75,000oneach.

elatedtoanADCEvent.Thisequatedto3percentforORand5percentfor r

anadministrativefeetotheissuingbankforpr

managementfeetother

FollowingtheconclusionofanADCinvestigation,MasterCardassessedacase

esponsiblecustomer

ocessingthefinancialliability

.Inaddition,MasterCardimposed

SecurityBulletinNo.9,15September2015.

StandardsfortheMasterCardAccountDataCompr

thesechangesandotherADCPr

accuratelyr

analysistodeter

feein2016.Duringthattime,MasterCardcollectedfeedbackandconducted

Asia/Pacificr

aswellastheadministrativefeesimposedonissuingbanks.Issuersinthe

eliminatedthecasemanagementfeethatwasimposedonacquiringbanks

elatedtoanADCeventbecameoptionalforissuers.Additionally,MasterCard r

Pr

fective1January2016,MasterCardmadeanumberofchangestotheADC

Ef

ogram,mostnotably,thateligibilityforr

egionr

eimbursementfr

omMasterCard

eceivedthebenefitsoftheADCPr

ogramwithoutpayinga

minethemostappr

opriateAnnualServiceFeetomost

eflectthevalueoftheserviceforcustomers.Fordetailsr

ogramchanges,r

elatedto

efertothearticle“Revised

omisePr

ogram”inGlobal

asanopt-out.

thesamemethodforissuerr

2016.Theopt-infeewillbeassessedatthePar

accountsr

TheAnnualServicefeeswillbebasedonthenumberofMasterCardissued

anyAnnualServiceFee.

Alerts.Issuersthatchoosetoopt-outoftheADCPr

notbechar

foranyfinancialr

Issuers

servicefee,describedasfollows.

wellasthevalueandbenefitofMasterCardADCinvestigations,thedeter

eimbursementpr r

MasterCardwillassessissuersthatchoosetoopt-intotheMasterCardADC

choosetoparticipateintheADCPr

OR

compr

issuingbankswhichincludeADCAlertscontainingcompr

GiventheestablishedvalueoftheMasterCardADCr

AnnualServiceFee

ecoverypr

ogramto

omisedorpotentially

mofenhanced

all

issuers

who

omisedcards,aswellasADCr

FR

rates,MasterCard

will

apply

elatedr

an

ecoveryinthefor

Service

Fee

to

and

Annual

ogramin2017.

ogramandbecomeeligibleforORandFRr

opt-into

the

ADC

r

eimbursement

pr

ogram

eimbursement,as

will

not

be

mined

eligible

that

do

not

eimbursementr

elatedtoa2017ADCinvestigationandwill

eceiveADC

ged

gedanAnnualServiceFee,butwillstillcontinuetor

ogramwillnotbechar

eportedtoQuarterlyMasterCardReport(QMR)infourthquarterof

entICAlevelcorr

espondingto

eimbursements.Anon-r

esponsewillbedeemed

Account

Range

Based

on

the

QMRAnnualOpt-InRate

0–400,000EUR500

400,001–700,000EUR1,000

©2016Mastercard.Pr

Eur

RevisedAccountDataCompr

omisePr

ogramServiceFees

opeRegionPricingBulletinNo.14,13September2016

oprietary.Allrightsr

eserved.

Production

Review—Due

Account Range Based on the QMRAnnualOpt-InRate 700,001–3millionEUR4,000 3million–10millionEUR6,000

Account

Range

Based

on

the

QMRAnnualOpt-InRate

700,001–3millionEUR4,000

3million–10millionEUR6,000

10million–20millionEUR15,000

Mor

ethan20millionEUR20,000

apply.ThefirstbillingwilloccurMarch2017.

ThefollowingMasterCardConsolidatedBillingSystem(MCBS)billingeventwill

Billing

Event

NumberBillingEventNameService

ID

2KS6002AnnualServiceFeeassessedtoIssuer

RecoveryPr

fortheAccountDataCompr

ogram

omise

KS

Cessation

of

ADC

Reimbursements

U.S.r

cardsar

ThischangeisintendedtoencourageEMVmigration,asmagneticstripe-only

ADCr

Asar

ethanEMVchipcards.Thischangeisconsistentwiththe

eminder

,ef

fective31December2016,MasterCardwillceasepr

oviding

eimbursementforORandFRassociatedwithmagneticstripe-onlycards.

elesssecur

egionEMVliabilityshiftthatbecameef

fectiveOctober2015.

contact:

Customerswithadditionalquestionsabouttheinfor

10oftheSecurity

Pr

CustomerswithquestionsaboutMasterCard’sAccountDataCompr

Questions?

omise

ogramshouldr

efertotheAccount

Rules

and

Pr

ocedur

Data

Compr

omise

User

Guideandchapter

esmanual.

mationinthisarticleshould

AccountDataCompr

omiseteam

©2016Mastercard.Pr

Eur

RevisedAccountDataCompr

omisePr

ogramServiceFees

opeRegionPricingBulletinNo.14,13September2016

oprietary.Allrightsr

eserved.

Production

Review—Due

3

StandardsFr

om

time

to

time,

elucidate

the

author

upon

a

Rule

an

or

of

article

other

appearing

in

eof.Nosuchdescription,explanation,clarificationorother

this

Bulletin

the

may

attempt

to

describe,

sole

explain,

judgement,

clarify

or

otherwise

any

otherwise

elucidationshallbedeemedtobeaRuleorotherStandar

elucidateuponaRuleorotherStandar

dorr

evisionther

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d.In

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event

dnorbedeemedtoaccuratelydescribe,explain,clarifyor

Corporation,

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its

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at

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ther

e

to

be

a

conflict

or

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epancy

between

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or

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d

and

any

description,

explanation,

clarification

or

other

elucidation

ther

eof

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in

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text

of

the

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or

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d

shall

be

af

for

ded

pr

ecedence

and

the

conflicting

or

discr

epant

description,

explanation,

clarification

or

other

elucidation

shall

be

deemed

of

no

ef

fect

as

ifneverpublishedher

ein.

rademarksT T

rademark

notices

and

r

egistration

symbols

used

in

this

bulletin

r

eflect

the

r

the

or

egistration

United

States.All

car

status

of

Master

car

d

oduct

forthe

trademarks

servicenamesar

r

inthe

UnitedStates.PleaseconsultwiththeGlobalCustomer

status

of

particular

pr

oduct,

pr

ogram,

or

service

etrademarksoftheirr

espectiveowners.

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names

outside

theMaster

dLawDepartment

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d-party

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egistration

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esponsibility

esponsible

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each

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ensuring

determine

it

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to

RevisionsIn

the

event

ecedence.

of

conflict

a

shallhavepr

between

this

document

emains

who

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in

compliance

within

its

organization

with

for

Master

is

af

d

ded

car

Standar

ds

at

all

access

to

Master

and

a

subsequently

published

edition,

the

subsequently

car

times.Thus,

it

is

d

information.

published

edition

Proprietary

RightsThe

information

contained

in

this

document

is

pr

oprietary

and

confidential

to

Master

car

d

Inter

national

Incorporated,

one

ormor

eofitsaf

filiatedentities(collectively“Master

car

d”),orboth.Thismaterialmaynotbeduplicated,published,or

disclosed,in

whole

or

in

part,without

the

prior

written

permission

of

Master

car

d.

DisclaimerMaster

car

d

makes

no

r

epr

esentations

or

warranties

of

any

kind,expr

ess

or

implied,with

r

espect

to

the

contents

of

this

document.W

ithoutlimitation,Master

car

dspecificallydisclaimsallr

epr

esentationsandwarrantieswithr

especttothis

4

document

limitation,

hasr

implied

document

and

any

intellectual

of

title,

pr

non-infringement,

operty

rights

subsisting

or

ther

ein

or

for

any

and

trade

any

part

ther

eof,

not

including

or

but

not

limited

to

has

been

any

esult.W

and

this

warranties

easontoknow

will

Master

eofanyinformation)orachievementofanyparticularr

suitability

purpose

(whether

that

any

other

Master

car

d

ithout

advised,

,orisotherwiseinfactawar

car

d

specifically

disclaims

not

infringe

any

thir

d

party

patents,

r

all

epr

esentations

copyrights,

warranties

secr

ets

or

practice

rights.

or

implementation

of

©2016Mastercard.Pr

Eur

RevisedAccountDataCompr

omisePr

ogramServiceFees

opeRegionPricingBulletinNo.14,13September2016

oprietary.Allrightsr

eserved.

Production

Review—Due

all