1. Scope
The Cobrand Retail Summit by Mastercard is an immersive virtual summit focusing on:
- Establishing a shared view of the co-brand landscape & how it is evolving across the credit card industry, loyalty & emerging generations.
- Clarifying the role of co-brand within loyalty strategies, including value proposition design & strategic alignment.
- Identifying data-sharing best practices & constraints to inform more effective collaboration & program design.
- Reviewing approaches to acquisition and spend behavior to understand what is working, where gaps exist, and where future investment may be warranted.
These sessions will be led by Mastercard’s team of experts across loyalty, customer acquisition, cobrand, and macroeconomics from which Client can gain both actionable insight and inspiration. Client’s employees will gain forward-looking insights, practical strategies, and the opportunity to network with peers across the industry.
2. Deliverables
Client has been invited to and will participate in Cobrand Retail Summit by Mastercard (the “Event”), a half-day virtual workshop accessible by invitation only. There is no limitation on the number of participants to this event. Client will advise Mastercard by email the names of the participating employees and the location(s) they will be traveling to prior to the Event.
The locations and dates for the Cobrand Retail Summit are noted below.
- Virtual - June 16-17, 2026
Event Agenda:
- Co-Brand 2026 & Beyond: The U.S. co-brand market is evolving rapidly – shaped by changing consumer expectations, new partnership models, and competitive pressure from fintech and alternative payments. This session sets the stage with a clear view of where co-brand programs are heading and what that means for retailers.
- Loyalty Reimagined: Co-Brand Cards as Engagement Game-Changers: Co-brand cards are no longer just a payment product – they’re a powerful engagement lever. This session explores how retailers are rethinking co-brand cards as part of a broader loyalty and customer experience strategy.
- The Data Advantage: Unlocking Co-Brand Insights for Smarter Loyalty: Data sits at the heart of successful co-brand programs – but collaboration across partners isn’t always easy. This session explores how retailers are responsibly unlocking shared insights to power more relevant, timely, and effective loyalty and marketing strategies.
- Winning Co-Brand Customers: Omnichannel & Tech-Enabled Acquisition: Retailers are rethinking how, where, and when they acquire co-brand customers. From in-store to digital, this session looks at how modern acquisition strategies reduce friction and improve conversion.
- Beyond the Store: Driving Card Spend Through Experiences & Partnerships: Driving incremental spend requires more than transactional rewards. This session explores how retailers are using partnerships, experiences, and card-linked offers to strengthen engagement and relevance.
- Future-Proofing Co-Brand Programs: Fintech, AI & Next-Gen Loyalty: Looking ahead, co-brand programs will be shaped by new technologies, new competitors, and new consumer expectations. This closing session explores what retail leaders should be preparing for now.
Mastercard reserves the right, at its sole discretion, to adjust the agenda and speaker lineup based on availability and evolving market trends. A recording of the webinar will be made available for those that are unable to attend live, which cannot be shared externally or commercially utilized.
Client acknowledges that this Event will include exposure to third parties, some of whom may be competitors of Client, and that (i) it shall not engage in any anticompetitive behaviour or activity in violation of antitrust regulations and that no confidential or commercially sensitive information will be shared directly or indirectly with competitors, and (ii) Mastercard makes no guarantees regarding, and is not liable for, confidentiality obligations of any third party. For avoidance of doubt, and notwithstanding anything else to the contrary hereunder, no specific and confidential information from any financial institution, rewards program manager, other alliances or coalition will be used for the understanding of practices in the market.
Photo and Video Release: Participants need to be informed that photographs and videos may be taken during the program. These materials may be used for promotional and marketing purposes. This includes use in brochures, social media, websites, and other public media. The participant waives any right to compensation and allows to edit and use the materials indefinitely unless revoked in writing.
Shopper Intelligence Platform
Clients who register for the program will also receive access to Mastercard’s Shopper Intelligence platform, which will be delivered by the end of year. The scope of the engagement will be as follows:
Mastercard has developed a proprietary custom benchmark insight tool that can assist a merchant in better understanding the spending patterns of its customers, including spend behavior with a given set of Client peers, based upon an analysis of Mastercard’s anonymized cardholder data.
a) Client will receive the following information in the Shopper Intelligence deliverable
- Evaluation (Monthly): Client vs peer set (“Peer Set”)
- Metrics (Monthly): Market share, Share of wallet, Share of transactions, Average spend per card ($), Average ticket size ($), Average transaction per card
- Geographic segmentation (Monthly): Regional level (e.g., Northeast)
- Channel segmentation (Monthly): Online/Offline
- Income segmentation (Quarterly): High, Medium, Low
- Loyalty segmentation: 9 segments based on share of wallet and total industry spend
- Including 2 years of historical data
b) Delivery of Client versus the Peer Set analysis will include similar businesses in Client’s industry, such business determined in Mastercard’s discretion. The Peer Set composition may be changed to comply with Applicable Standards.
c) Mastercard will deliver a self-service web-based platform (the “Shopper Intelligence Platform”) which will contain data views and insights created using the metric values described in paragraph (a) of this section (“Output” or “Outputs”). Client’s users will need to be access-enabled by Mastercard to access the Shopper Intelligence Platform. Upon execution of this Schedule, Mastercard will provide instructions for accessing the Shopper Intelligence Platform. After the initial setup, Mastercard will provision Client with login credentials for all individuals who will have access to the Shopper Intelligence Platform. Access to the Shopper Intelligence Platform will be available from the Effective Date and the first Output will be available at least five (5) weeks from the Effective Date.
Both the Output and the Shopper Intelligence Platform will be considered the Deliverables for the purposes of this Schedule. Mastercard may in its sole discretion amend the delivery method of the Deliverables, provided that no such amendment will materially adversely affect the Client’s rights under this Schedule.
Agentic Visibility & Personalization Opportunity Assessment report
A comprehensive evaluation of the customer experience, from AI‑mediated discovery and recommendation through the on‑site experience, identifying strengths, and areas of opportunity to advance agentic visibility readiness and on‑property personalization. The report will contain 2 distinct sections covering the following program topics:
Section 1: Agentic Visibility Diagnostic
An evaluation of the Client’s brand and product visibility across leading AI browsers and agentic tools, focusing on how offerings are discovered, interpreted, and recommended by AI platforms.
Key deliverables include:
- AI Visibility & Experience Review: An evaluation of how the Client’s brand and offerings are represented within AI‑generated responses, examining interpretation quality, recommendation presence, and visibility gaps across leading AI environments (e.g., ChatGPT, Perplexity)
- Agent Interpretability Analysis: Review of site markup and content architecture to identify opportunities to improve AI interpretation, visibility, and downstream customer experience
Section 2: Personalization Opportunity Assessment
An assessment of the Client’s personalization maturity across functional dimensions, with strategic recommendations to enhance on‑site experience and eCommerce performance.
Key deliverables include:
- Personalization Experience Review: Evaluation of the current customer experience through a functional capability lens, assessing how personalization capabilities are applied across key channels, journeys, and touchpoints
- Opportunity Plan & Roadmap: Illustrative campaign plans applying personalization capabilities across the customer journey
Deliverables & Readout:
- Integrated Assessment Report: A combined Agentic Visibility and Personalization Opportunity Assessment, delivered as a PDF report and presentation deck
- Team Readout Session: A 60–90 minute session to review findings, insights, and opportunities with key stakeholders
Client acknowledges that this Event will include exposure to third parties, some of whom may be competitors of Client, and that (i) it shall not engage in any anticompetitive behaviour or activity in violation of antitrust regulations and that no confidential or commercially sensitive information will be shared directly or indirectly with competitors, and (ii) Mastercard makes no guarantees regarding, and is not liable for, confidentiality obligations of any third party. For avoidance of doubt, and notwithstanding anything else to the contrary hereunder, no specific and confidential information from any financial institution, rewards program manager, other alliances or coalition will be used for the understanding of practices in the market.
Photo and Video Release: Participants need to be informed that photographs and videos may be taken during the program. These materials may be used for promotional and marketing purposes. This includes use in brochures, social media, websites, and other public media. The participant waives any right to compensation and allows to edit and use the materials indefinitely unless revoked in writing.
Only Client employees may attend the Event, excluding the signatory of this Schedule. Client’s signatory to this Schedule is sufficiently senior to authorize Client employee’s participants attendance to the Event. Client will advise Mastercard by email the names of the participating employee and the respective location where such employee will participate in the Event.
3. Term and Termination
The Term shall commence on the date the Program Overview and Terms and Conditions are accepted by the Client (“Effective Date”) and shall continue until December 31st, 2026.
4. Fees
Based upon the scope of Services described herein, the Fees for the virtual summit will totally USD $185,500 (the “Fees”).
Mastercard will be responsible for organizing the items included in the Other Costs. Mastercard will not reimburse or provide any item that is not expressly included in the Other Costs. All Other Costs must comply with Client’s internal policies and be consistent with Mastercard’s Global T&E policy. Any adjustments or deviations to the Event transportation and/or accommodation schedule are responsibility of the Client and will not be considered, executed, covered, or reimbursed by Mastercard.
Mastercard and Client are parties to one or many Customer Business Agreements or other Acceptance Agreements, as amended from time to time (the “CBA” or “AA”, as applicable). To strengthen the relationship between the Parties and further drive utilization of cards and the Mastercard brand described in the CBA or AA (as applicable), Mastercard will contribute $185,500 to implement and support Services described in this Schedule.
Client shall be responsible for any travel and accommodation expense associated with the Event.
Mastercard reserves the right to postpone or amend the Event and inclusions, plans, speakers and location in the event Mastercard determines that the Event would be unsafe or inappropriate under the circumstances, or as otherwise needed due to forces outside of our control. Mastercard will inform attendees of any potential changes with as much notice as reasonably possible.
The information contained in this Schedule is confidential to Mastercard and its disclosure is subject to the confidentiality provisions as set out in the Agreement.
Notwithstanding this, the terms of this Enrollment Form and the Terms and Conditions solely govern the provision of the Services by Mastercard, and not the Incentive Agreement.