Visa Investor Day

Investing for the future Incremental expense FY13E vs. FY11 Non-US Market Focus ~$125M Product Innovation ~$300M Technology and Infrastructure ~$275M Sources: Visa Inc. internal financial information 15 Visa Investor Day VISA • • Sales • Marketing • Acceptance • Product • V.me CyberSource • Mobile • Information Products • Processing • Development • Security Investing 2 incremental ~ $700M for growth in 2013 vs. 2011 Acquisitions of CyberSource, PlaySpan, and Fundamo in 2010- 2011 also totaled $2.3B

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