Visa Investor Day

VISA Emerging markets have historically evolved along a largely predictable path, requiring similar evolution of product mix Higher yield, lower frequency Lower yield, higher frequency 20000 888 104 VISA International Dining Travel Household Goods & Food Smaller Merchants Ticketing & Bill Payments Affluent Credit Debit Prepaid Credit PV Growth % Debit PV Growth % Prepaid PV Growth % Kuwait 11 18 47 Kenya Colombia 10 15 39 | Visa Investor Day Source: Visa Inc. Quarterly Operating Certificates, as reported by client financial institutions for four quarters ended March 2013 17 46 20 49

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