Visa Investor Day

The Visa story Context BANKAMERICARD VISA 1958 - 2007 NYSE New York Stock Exchange VISA OPEN VISA V.me VisaNet by Visa CyberSource 2007-2011 2011+ • Financial Institution-owned association structure • Six autonomous associations (US, Canada, Asia Pacific, CEMEA, LAC, Europe) Global merger (ex. Europe) •Integration of five associations • Initial Public Offering • Growth in eCommerce • • Increased regulatory activity Rapid technological change Migration to mobile Evolving competitive landscape Merchant-centric models Visa Focus • Financial Institution focus Regional priorities • Building credit and debit categories • Internal focus initially • Shift to for-profit model Establish Visa as a growth company . • Build prepaid • CYBS, PlaySpan, Fundamo acquisitions Accelerated innovation Flexibility/adaptability • Redefine customer base • Broaden partnerships Focus on customer objectives Financial inclusion 9 | Visa Investor Day

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