Looking Ahead - Thoughts for 2023

Appendix C Non-GAAP Reconciliation First quarter 2023 financial outlook Q1'23 vs. Q1'22 Increase/(Decrease) Forecasted Growth - GAAP 1 Special Items 2 Non-GAAP Growth 3 Currency impact ³ Acquisitions 4 Net Revenue High-end of high- single-digits 1% Operating Expenses Mid-single-digits 2% High-end of high- single-digits High-single-digits 2% -1% (0-1)% -(2)% Non-GAAP Growth, currency-neutral, excluding acquisitions Low-end of low- double-digits Low-end of high- single-digits 1 GAAP Q1'23 forecast versus Q1'22 reported results. 2 Impact of Q1'22 Russia-related impacts ($30M) in net revenue and ($34M) in operating expenses. 3 Represents the projected translational and transactional impact of currency and the related impact of the company's foreign exchange derivative contracts designated as cash flow hedging instruments. Acquisitions completed after the beginning of 2022. January 26, 2023 14 ©2022 Mastercard

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