Visa Investor Day

Affluent credit growing significantly faster in all developed markets 40% of Visa's $1.4T in 2012 Consumer Credit Payment Volume Leading Partners & Assets Growth Affluent All Other Since 2008* Credit Credit US 21% -8% CANADA 15% 2% JAPAN 14% 6% AUSTRALIA / 42% -6% N.Z. SOUTH 20% 0% KOREA HONG KONG 19% -2% SINGAPORE 22% -23% volaris nvexn BL00 0000 0000 12/12 V VISA PLATINUM ON THE ROAD IN CHINA VISA INFINITE EXPERIENCE Clients Co-Brands 5 Chefs una Cena Sponsorships valina VISA ERENCE BANA Bancomer VISA Platforms Experiences Source: Visa Inc. Quarterly Operating Certificates, as reported by client financial institutions, all data is fiscal years *CAGR fiscal years 2008-2012 22 | Visa Investor Day

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