Visa Investor Day

VISA In addition to evolving product mix, penetrating cash & checks requires localization by market and specialization by client UAE New deals: 12 OUTCOMES South Africa Visa Advanced Authorization/ Visa Risk Manager: 313m Cross border growth: 21% annual txns, 54% YOY growth LOCALIZATION Philippines Prepaid card growth: 49% Client-specific benefits and programs Affluent Credit Fraud and Fund-loading Risk Services by text message PRODUCT Debit Prepaid Source: VisaNet Data & Visa Inc. Quarterly Operating Certificates, as reported by client financial institutions twelve months ended March 2013 40 | Visa Investor Day

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