Visa Investor Day

Growth opportunity summary VISA 2012 2 PCE US $13T Developed Markets Economic Growth $400B annual PCE growth Payments Electronification 38% Cash, Check & Other* 22% Visa Purchases 25% EFT & Other 34 | Visa Investor Day 15% Competitor GPC Acceptance 5.6M more acceptance Merchant Affluent Credit Debit Prepaid Processing locations (+37% + mPOS) Enhanced Relationships $1T in U.S. card volume; Visa share is 6 points lower than overall credit $1.2T in Visa PV vs. over $5T in cash & check remaining 80M underserved and $1.5T in U.S. gov't disbursements 30-40% lift in per transaction revenue, stronger client relationships Notes: PCE defined as Purchase PCE (does not include non-financial transactions); excludes Europe Source: Euromonitor Merchant Segment Study 2013 estimates; Nilson; Visa Inc. Quarterly Operating Certificates, as reported by client financial institutions; Visa Inc. estimates *Most easily addressable

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