Visa Investor Day

Our growth drivers PCE Growth VISA Contribution to Revenue Growth 2012 2008-2011 25% 28% Visa Penetration of 56% 43% PCE Pricing/Acquisitions / 19% 29% Other Net Revenue Growth 100% Macroeconomic growth is a consistent driver of Visa revenue growth · Strong global electronification trends further drive new volume and revenue • Share gain and pricing have also provided revenue growth 100% Source: PCE from Euromonitor Merchant Segment Survey estimates, 2013; Visa Inc. Quarterly Operating Certificates, as reported by client financial institutions; Visa Inc. estimates 11 | Visa Investor Day

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