#1#2There are more people living inside this circle than outside of it. Source: World Bank World Development Indicators, April 2017 VISA#3Key Takeaways ● ● ● ● Asia Pacific represents an attractive opportunity for growth Powerful client roster provides strong foundation Acceptance growth strategies tied to market maturity Digital assets and leadership are key Our approach is tailored by market www i VISA *****#4#5Demographics and Economic Momentum Create Environment for Growth 6% 5% 4% 3% 2% 1% 0% -1% GDP Growth ('12-'16) Asia Pacific 2012 2013 2014 2015 2016 CAGR (12-16) 4.5% EU 1.5% U.S. 2.1% Population Growth ('12-'16) Asia Pacific EU U.S. 0.5 B 0.3 B CAGR (12-16) 3.8 B 0.9% 0.3% 0.8% Source: Oxford Economics (2016) for GDP, Population, Income per capita. Asia Pacific aggregate figures include only for countries where Visa Asia Pacific operates. Per Capita Income Growth ('12-'16) India China Vietnam Singapore Indonesia South Korea Hong Kong, China Taiwan U.S. Australia EU Japan 1% 0% 3% 2% 2% 2% 4% 5% 5% 7% 9% 8% VISA#6#7Capturing the Growth Opportunity in Asia Pacific ● ● Drive Digital Support mobile payments growth Ensure online transaction security through Visa risk assets Grow eCommerce solutions in key markets ● ● ● Expand Access Expand acceptance reach across developing markets Deepen acceptance in new segments in developed markets Reach new users with QR and contactless ● ● ● Deepen Partnerships Develop new, and deepen existing, bank and merchant partnerships Build partnerships with new ecosystem entrants Co-create innovative payment and commerce solutions VISA#8#9#10#11#12Capturing the Opportunity in India Expanding Acceptance ● ● Growing Debit 200MM Incremental Card Issuance 2X Transaction Growth $1T cash displacement opportunity remains Investment in debit marketing and activation ● ● 10MM (4X) Acceptance points Expand traditional and digital Focus on underpenetrated categories Scale acceptance through FinTech partnerships Source: India targets over the next 3-5 years; Cash displacement opportunity data: Visa estimates based on Oxford Economics and Euromonitor. ● ● Delivering Digital Innovation 25% Contactless and QR transactions Investment in QR, tokenization, Visa payWave, Visa Checkout Support government digital payments push, cashless cities VISA#13#14#15#16#17#18