Visa Investor Day

Debit is the largest cardable opportunity • Over $5 trillion in cash and check Debit presents the largest, long-term portion of cardable opportunity Opportunity also includes enhanced offerings compared to lower functionality domestic debit networks Debit Share of Visa Consumer Payment Volume within Market USA Australia 61% 20% Singapore 11% South Korea 7% Hong Kong <1% Japan Canada <1% <1% 23 | Visa Investor Day Debit penetration of PCE averages 17% Source: Visa Inc.; Euromonitor Merchant Segment Survey 2013 estimates; Nilson; Visa estimates; Debit Share of Visa's Consumer Payment Volume is fiscal year 2012, Debit Card Share of PCE is calendar year 2012 VISA

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