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Investor Presentation

3Q 2013

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Disclaimer
This presentation contains forward-looking statements that are subject to risks and uncertainties. All statements other than statements of historical fact or relating to present facts or current conditions included in this presentation are forward-looking statements including any statements of a general economic or industry specific nature. Forwardlooking statements give our current expectations and projections relating to our financial condition, results of operations, plans, objectives, future performance and business. You can identify forward-looking statements by the fact that they do not relate strictly to historical or current facts. These s tatements may include words such as “anticipate,” “estimate,” “expect,” “project,” “plan,” “intend,” “believe,” “may,” “should,” “can have,” “likely” and other words and terms of similar meaning in connection with any discussion of the timing or nature of future operating or financial performance or other events. The forward-looking statements contained in this presentation are based on assumptions that we have made in light of our industry experience and our perceptions of historical trends, current conditions, expected future developments and other factors we believe are appropriate under the circumstances. As you review and consider this presentation, you should understand that these statements are not guarantees of future performance or results. They depend upon future events and are subject to risks, uncertainties (many of which are beyond our control) and assumptions. Although we believe that these forward-looking statements are based on reasonable assumptions, you should be aware that many factors could affect our actual future performance or results and cause them to differ materially from those anticipated in the forward-looking statements. Certain of these factors and other risk factors are discussed in the company’s annual report on Form 10-K for the year ended December 31, 2012 and in the company’s other filings with the U.S. Securities and Exchange Commission and include, but are not limited to: (i) the ability to keep pace with rapid developments and change in our industry and provide new services to our clients; (ii) competition with in our industry; (iii) disclosure of unauthorized data and security breaches that expose us to liability, litigation and reputational damage; (iv) failures of our systems or systems of our third party providers; (v) our inability to expand our market share in existing markets or expand into new markets; (vi) our ability to identify acquisition, joint venture and partnership candidates and finance or integrate businesses, services or technologies that we acquire; (vii) failure to comply with applicable requirements of Visa, MasterCard or other payment networks; (viii) changes in payment network rules or standards; (ix) our ability to pass fee increases along to merchants; (x) termination of sponsorship or clearing services provided to us; (xi) increased attrition of our merchants, independent sales organizations, or ISOs, or referral partners; (xii) inability to successfully renew or renegotiate agreements with our clients or ISOs; (xiii) reductions in overall consumer, business and government spending; (xiv) fraud by merchants or others; (xv) a decline in the use of credit, debit or prepaid cards; (xvi) consolidation in the banking and retail industries; and (xvii) the effects of governmental regulation, changes in laws and outcomes of future litigation or investigations. Should one or more of these risks or uncertainties materialize, or should any of these assumptions prove incorrect, our actual results may vary in material respects from those projected in these forward-looking statements. No representations or warranties are made by the company or any of its affiliates as to the accuracy of any such statements or projections. Any forward-looking statement made by us in this presentation speaks only as of the date of this presentation. Factors or events that could cause our actual results to differ may emerge from time to time, and it is not possible for us to predict all of them. We undertake no obligation to publicly update any forward-looking statement, whether as a result of new information, future developments or otherwise, except as may be required by law. The company advises investors to read the company’s annual report on Form 10 -K for the year ended December 31, 2012 and other filings made thereafter with the SEC; copies of which may be obtained on the company’s website at ww.vantiv.com under “Investors” or the SEC’s website at www.sec.g ov.

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Company Overview

S.A Leading Integrated Payment Processor in the U. Merchant Acquiring Network Services Card Issuer Processing 9 Comprehensive provider across the value chain 9 Single proprietary technology platform 9 Integrated business model 9 Serve large and small merchants and financial institutions 4 .

350 financial institution relationships „ 3. tier regional and national retailers „ 400. numbers are rounded ¹ Key metrics as of 2012 community banks and credit unions „ 1. acceptance and transaction processing services for PIN Debit and ATM cards Customers Key Metrics¹ „ Small to mid-sized merchants and top- „ Large and regional financial institutions.Transaction reporting and analysis services for financial institution customers „ Network Services . manage and process payment Vantiv Services at point-of-sale or online .Proprietary network branding.4 billion transactions processed 5 .Settlement of funds .Issue.Our Segments Merchant Services Financial Institution Services 2012 Net Revenue 2011 Net Revenue $700mm $564mm „ Merchant Acquiring .000 merchant locations served „ $533 billion in volume processed Note: In certain cases.Accept and process electronic payments $323mm $301mm „ Card Issuer Processing .

% of the sale amount – “Merchant Description Discount Rate” (MDR) and/or .How We Make Money Merchant Services Financial Institution Services „ # of Transactions „ Value Added Services „ Fees are based on a: .Volume driven fees on valued-added Key Drivers „ # of Transactions „ $ Amount of Sales Volume „ Fees are based on: .A fixed fee per transaction .A fixed fee per transaction services Payment Processing Value Chain Example Vantiv has the opportunity to generate fees across the value chain Pays MDR Merchant Acquirer Payment Network Issuer Processor Collects Acquiring Fee Collects Network Fee Collects Processing Fee Collects Interchange Fee 6 .

Strong Execution and Momentum Our history Successfully executed on our vision since separation 2009-2012 CAGR 26% „ 40 years of payment processing experience Business unit of Fifth Third Bank until June 2009 „ „ Created separate stand-alone company to invest in growth opportunities Invested to transform the business post separation 13% „ „ Executed five acquisitions „ IPO in March 2012 Pro Forma Net Revenue¹ 1 Pro Forma Adjusted Net Income¹ 7 Pro forma for the NPC acquisition. please see reconciliation in appendix .

Investment Highlights .

capabilities and broad distribution provides competitive advantage Focused on fast growing and highly profitable market segments Significant Upside Significant. and TSYS 9 . untapped opportunities for expansion and growth Resilient Resilient business with strong recurring revenue.Investment Highlights Leadership Market leader in an industry with favorable secular trends Differentiated Business Model Attractive Market Position Unique combination of technology. Heartland Payment Systems. diversified customer base and good visibility Strong operating leverage and best-in-class margins¹ Strong Operating Leverage ¹ Best-in-class refers to the publicly traded peer group of Global Payments.

013. Merchant Acquirer in Transaction Growth (2010-2011)1 Vantiv is well positioned as a market leader Source: The Nilson Report. Merchant Acquirer in Total Transactions 1 9% „ Market Share in the U. „ Ranked U. debit and prepaid card transactions.S.Market Leadership Merchant Services Financial Institution Services #3 #1 #2 „ Ranked U. based on number of Financial Institution customers „ Financial Institution „ Ranked U. respectively ¹ Purchase transactions represent number of transactions and include all general purpose credit. Vantiv numbers are not Pro Forma for NPC acquisition.400 relationships across the U.S. March 2011.S. 2012. and 2013. 990. Issues 967. First Data includes Citi.S. Merchant Acquirer in PIN Debit transactions 1 1. SunTrust and Sovereign.S. 10 . and 1. including signature and PIN debit.

Superior Business Model Drives Competitive Advantages Single. Proprietary Technology Platform Comprehensive Suite of Payment Processing Services Deep and Diverse Distribution Channels Vantiv’s integrated business model provides services across the value chain 11 .

Differentiated Technology Platform Leverages our Scale Proprietary Integrated Scalable Secure Single Technology Platform Attributes Single Point of Service Ease of Connection and Delivery Ability to Innovate Value Added Information Solutions Operating Leverage Advantages 9 Efficient service delivery 9 Seamless delivery and maintenance 9 Faster innovation and time to market 9 Superior functionality and data analysis 9 Best-in-class cost structure and profitability¹ ¹ Best-in-class refers to the publicly traded peer group of Global Payments. and TSYS 12 . Heartland Payment Systems.

Broad and Comprehensive Suite of Service Offerings Credit/Debit Acquiring E-Commerce Prepaid/ Gift Card Loyalty/ Rewards Mobile Commerce Card & ATM Processing Network Services S Customer Service Support Data Capture & Analytics Reporting Tools Connectivity Security & Risk Management Advisory Integrated Offerings Across the Value Chain Serving Clients of All Types and Sizes Provided Through a Single Platform 13 .

Strong Sales and Distribution Across Multiple Channels Merchant Services Target Merchants with >$3mm in annual volume Target Merchants with <$3mm in annual volume Target Merchants with <$250k in annual volume Financial Institution Services “Feet on the Street” sales force with regional focus Actively engages target customers Product and solution specialists National /Mid-Market Relationship Managers Direct Sales Teams Regional Dedicated Marketing Telesales Sales Engineers Independent Sales Organizations ~300 ISOs Core Bank Processors 60+ relationships with core processors Indirect Sales Channels Merchant Banks ~1. state organizations Technology Partners Target Merchants in strategic verticals VARs/Partners White label solutions for strategic partnerships 14 .400 Referral Branches Bank Associations NAFCU.

Focused on Fast Growing and Highly Profitable Market Segments Channels & Geographies Vertical & SectorSpecific Solutions Technology Partners Merchant Banks Domestic & International Emerging Segments Prepaid eCommerce Mobile Solutions Differentiated Offerings Open Processing Architecture Data Analytics & Marketing Security & Fraud Services Alternative Payments & Loyalty 15 .

Well Positioned to Enable Future Payment Technologies and Services Vantiv provides “last mile” access to the point-of-sale and can enable the next generation of payment applications and POS offerings 16 .

Financial Overview .

Heartland Payment Systems.Financial Highlights Strong Business Model „ Strong transaction growth „ Recurring transaction fee revenue „ Stable revenue growth and diverse customer base Stable and Predictable „ Resilient business with high visibility and predictability „ Long-term contracts with high customer retention rates Significant Operating Leverage „ Integrated business on a single platform „ Strong scale efficiencies „ Best-in-class margins¹ „ High free cash flow conversion High Cash Flow „ Low capital requirements „ Enables investment in growth ¹ Best-in-class refers to the publicly traded peer group of Global Payments. and TSYS 18 .

Third Quarter and First 3 Quarters 2013 Results and Milestones 3Q 2013 Performance Transactions (growth) First 3 Quarters 2013 Performance 4.435 11% Total Net Revenue (growth) $294 14% $864 15% Adjusted EBITDA1 (margin) $149 51% $426 49% Pro Forma Adjusted Net Income1 (growth) $80 17% $230 29% Pro Forma Adjusted Net Income Per Share1 $0.266 9% 12.11 34% Note: Growth is year over year ¹ See reconciliation in appendix 19 .40 25% $1.

5 CAGR 9% CAGR 16% 3.0 10.059 $0.058 12.0 0.092 $0.4 $0.1 2009 2010 2011 FI 2012 3Q12 3Q13 8.0 12.Strong Transaction Growth and Stable Yields Transactions¹ (Billions) Merchant FI Net Revenue per Transaction1 Merchant 18.063 $0.6 11.0 15.6 3.9 0.093 $0.102 $0.0 16.3 3.5 10.0 6.6 8.094 $0.092 2009 2010 2011 2012 3Q12 3Q13 2009 2010 2011 2012 3Q12 3Q13 Strong transaction growth and recurring transaction fee revenue Note: 2009 and 2010 numbers are Pro Forma for the NPC acquisition ¹ See reconciliation in appendix 20 .058 $0.0 14.9 3.3 0.057 $0.2 3.059 $0.5 9.0 4.0 2.9 3.9 11.3 $0.090 $0.0 4.9 7.0 2.

200 $1.Stable and Diversified Revenue Growth Pro Forma Net Revenue¹ ($Millions) 2012 Segment Net Revenue FI Merchant FI Merchant $1.023 $1. numbers are rounded Top 10 Clients Top 20 Clients 21 .000 $866 $800 $773 $707 $301 $323 Growth 6% 32% 68% $600 $286 $268 17% 2012 Net Revenue Concentration $400 $700 $200 $438 $487 $564 $258 $81 $294 $84 12% 15% 18% $177 $210 $0 2009 2010 2011 2012 3Q12 3Q13 Top 5 Clients ¹ Net Revenue in 2009 and 2010 is Pro Forma for the NPC acquisition. see reconciliation in appendix Note: In certain cases.

Diversified Customer Mix with Low Concentration Merchant Services „ Financial Institution Services „ Merchant transactions are heavily weighted in everyday spend categories • Reduces impact of economic instability „ Diverse array of clients ranging from top 10 banks to small to mid sized financial institutions Top 25 FI clients account for less than 21% of segment net revenue (excluding FITB) „ Limited merchant exposure • Top 25 merchants account for less than 15% of segment net revenue FI Customer Base (% of FI clients by Asset Size) Merchant Customer Base (% of Sales Transactions) Other 19% Drug Stores 19% >$250mm 25% $0mm$50mm 37% Retail 24% Super markets 38% $100mm$250mm 21% $50mm$100mm 17% Note: Data for Merchant Services and Financial Institution Services as of 2012 22 .

S.5 year contracts Housing Starts CAGR Market Downturn Financial Institution Services „ Unemployment rate CAGR Typically sign 5 .S. change in average GDP growth rate from 2005-2007 versus 20082010. Census Bureau (Manufacturing. Housing Starts: U. Federal Reserve 23 . Unemployment Rate: Bureau of Labor Statistics.6 year contracts Consumer Credit (Revolving) CAGR PF Net Revenue CAGR Fifth Third Bank under contract through June 2019 Performance PF EBITDA CAGR ¹ U. Mining.S. Consumer Credit (Revolving): U.Resilient Business with High Predictability Highly Resilient High Predictability 2007 – 2010 performance relative to market¹ Change in GDP Growth Merchant Services „ Typically sign 3 . and Construction Statistics). Bureau of Economic Analysis.

0101 (2.7% $132 49.0112 $0.9% 49.0103 $0.0035 $0.6%) 65% $400 $351 $387 60% $300 55% 50.0183 $0.0184 $0.0%) $200 $149 50.0% $0.0039 $0.0190 $0.7% 50.0207 $0.0032 $0. Heartland Payment Systems.1% 51. and TSYS ² See reconciliation in appendix 24 .4% ($Millions) Margin $0.8% 50% $100 2008 2009 2010 2011 2012 $0 2009 2010 2011 2012 3Q12 3Q13 45% Note: All numbers in 2008-2010 are Pro Forma for NPC acquisition ¹ Best-in-class refers to the publicly traded peer group of Global Payments.0183 (3.0102 $0.Significant Operating Leverage and Best-in-Class Margins¹ Cost per Transaction S&M Other operating costs G&A Adjusted EBITDA² CAGR 6.0099 $0.0048 $0.0050 $510 $500 $439 70% $0.

Sustainable and Compelling Earnings Growth Pro Forma Adjusted Net Income¹.² ($Millions) $300 $260 $250 $200 $153 $150 $184 $100 $68 $50 $80 $0 2010 2011 2012 3Q12 3Q13 ¹ Pro Forma Adjusted Net Income assumes earnings are taxed as a C-corp. (38.5%) ² See reconciliation in the appendix 25 .

4% 1 Pro $100 $16 $50 $89 $92 $0 2011 7.0% 3Q12 5.Change in Net Working Capital 26 .2% 2012 5. Free cash flow defined as NOPAT + Depreciation – Capex + Cash Impact of Tax Assets .3% 3Q13 5.6% 2010 PF FCF to 41% EBITDA 2011 2012 3Q12 68% 3Q13 62% 45% 50% Forma Free Cash Flow numbers in 2010 are pro forma for the NPC acquisition.Strong Cash Flow with Low Capital Requirements Capital Expenditures ($Millions) Adjusted Pro Forma Unlevered Free Cash Flow1 ($Millions) $70 $63 $60 $51 $50 $300 $255 $250 $199 $160 $150 $200 $40 $34 $30 $20 $14 $10 $0 2010 Percent of Net Revenue 4.

2x 2.7x 2.Balance Sheet Review Cash and Cash Equivalents ($Millions) Debt to Adjusted Pro Forma EBITDA 5.0 2.2x 2.0 3.0 4.5x 4.0 $400 $350 $371 4.5x 3.0x $304 $300 $250 $200 $237 3.0 0.5 $67 1.4x $150 $100 $50 1.5 3.5 4.0x 4.5 0.5 2.0 $0 2010 2011 2012 Q3 2013 2010 2011 2012 3Q13 Gross Debt / PF EBITDA Net Debt / PF EBITDA 27 .

diversified customer base and good visibility Strong operating leverage and best-in-class margins¹ Strong Operating Leverage ¹ Best-in-class refers to the publicly traded peer group of Global Payments. Heartland Payment Systems. capabilities and broad distribution provides competitive advantage Focused on fast growing and highly profitable market segments Significant Upside Significant. and TSYS 28 .Investment Highlights Leadership Market leader in an industry with favorable secular trends Differentiated Business Model Attractive Market Position Unique combination of technology. untapped opportunities for expansion and growth Resilient Resilient business with strong recurring revenue.

Appendix .

206 281 8.Pro Forma Transactions. Stand alone capital spend represents fixed asset investments made by Fifth Third Bank prior to the separation of the company from the Bank in 2009.487 9. plant & equipment S1 Stand-alone Pro Forma Capital Spend $14 18 $32 $34 $34 $63 $63 Note: NPC acquired on November 2010.250 335 7. Net Revenue and Capital Spend Successor Non-GAAP Combined Year Ended 12/31/2009 (in millions) Merchant Transactions S1 NPC Pro Forma Merchant Transactions 7.591 9. 30 . Adjustments made to transaction and revenue in both 2010 and 2009 to make comparable on a full year basis.591 Year Ended 12/31/2010 Year Ended 12/31/2011 Net Revenue S1 NPC Pro Forma Net Revenue $474 $233 $707 $566 $207 $773 $866 $0 $866 Purchase of property.585 8.

8 0.0 0.0 0.0 63.0 298.8 (33.1 (23.0 31 .7 1.0) 111.8 0.5 68.6) (152.6 Successor Year Ended 12/31/2012 110.8 (15.0 149.1 16.8) 130.2) 260.8 Comparability Adjustments NPC Stand-alone costs Proforma EBITDA Depreciation (j) Interest Expense (k) Taxes (l) Pro Forma Adjusted Net Income 76.0 1.0 0.9 44.2 0.9 160.6) 152.0 7.2 247.1 Year Ended 12/31/2010 54.4 0.0 2.5 4.0 86.4 (32.8 4.1 0.0 149.3 155.Non-GAAP Reconciliation Non-GAAP Combined Year Ended 12/31/2009 GAAP Net Income Interest Expense –net(a) Income Tax Expense (benefit) Depreciation & Amortization EBITDA Per S1 / 10-K / 10-Q Transition Costs (b) 89.8 (43.7) (42.8 36.0 33.7 33.0 0.0 509.0 280.4 11.2 24.0 Network Compliance Fee (i) Adjusted EBITDA 0.0 0.6 138.7 46.1) 387.5 32.4) (106.3 384.7 0.0 0.0 6.4 3.0 0.3) 184.0 9.8 0.0 509.7 3.7) (105.0 (1.8 54.5 Year Ended 12/31/2011 84.0 0.0 0.5) (95.6) (10.0 438.7 0.1) (54.5 Debt refinancing and hedge term costs (c) Share based compensation (d) Acquisition and Integration Costs (e) Losses related to put rights (f) Transaction costs (g) NPC (h) 0.3 0.5 (16.0 0.6 Quarter Ended 9/30/2013 54.2 (32.9 48.8 111.1) 80.2) 351.0 3.0 400.8 24.9 116.3 0.0 438.7 52.5 13.0 0.6 10.6) (115.0 0.4) (106.8 0.0 0.5 372.5 0.5) (81.

(b) Transition costs include costs associated with our separation transaction from Fifth Third Bank. Inc. In connection with the IPO. (f) Represents the non-cash expense related to fair value adjustments to the value of the put rights Vantiv. incurred by us on behalf of Advent in connection with the separation transaction. finance. share-based compensation costs included non-cash compensation expense related to phantom equity units of Vantiv Holding issued to our employees and directors. 2011 was outstanding on January 1. assuming the level of debt and applicable terms at December 31. 2009. (d) Prior to our IPO. 2011 was in place on January 1. depreciation and amortization charged to us by Fifth Third Bank under our transition services agreement. including legal. consulting fees related to non-recurring transition projects. expenses related to various strategic and separation initiatives. marketing and legal functions and severance costs. accounting and advisory fees as well as consulting fees for integration services.Non-GAAP Reconciliation (cont’d) (a) The amount of interest expense for 2009 includes internal funding costs allocated to us by Fifth Third Bank prior to the separation and are included as non-operating expenses on our statements of income. March 2012 and May 2013 as well costs associated with the early termination of our interest rate swaps in March 2012. including costs incurred for our human resources. (e) Acquisition and integration costs include fees incurred in connection with our acquisitions. received from Fifth Third Bank in connection with the separation transaction. (h) Reflects NPC's EBITDA from January 2010 until our acquisition of NPC in November 2010. principally professional and advisory fees. 32 .0 million as a result of our IPO. 2009. (c) Includes non-operating expenses incurred with the refinancing of our debt in May 2011. (g) Consists of transaction costs. (k) Interest expense associated with the company’s level of debt. assuming that the company’s property and equipment at December 31. outstanding awards were converted into unrestricted and restricted stock and new restricted stock units were granted. (l) Taxes assuming conversion to of non-controlling interests into shares of Class A common stock. and compensation costs related to payouts of a one-time signing bonus to former Fifth Third Bank employees transferred to us as part of our transition deferred compensation plan. (i) MasterCard assessed a change of control compliance fee to the company of $6. (j) Depreciation expense associated with the company’s property and equipment.

843 $149.676 $76.943 $65.822 $136.284 $221.809 $5.383 $92.732 $43.373 $32.275 ($52.435) ($16.993 $206.827 $122.100 $28.501) $250.047 Adjusted EBITDA Depreciation and amortization (1)(2) Income from Operations Tax Expense (3)(4) NOPAT Depreciation and amortization (1) Capital expenditures (5)(6) Cash tax benefits (7) Change in net working capital (8) Unlevered Free Cash Flow Adjustment for change in net settlement Adjusted Unlevered Free Cash Flow Interest expense (after tax) (9) Levered Free Cash Flow $32.668 $197.562 $94.965) ($71.981 $65.740 $132.023) $5.947) ($78.554 $134.732 $43.809 $6.381 $15.059 $6.138 $81.875 $48.831 $405.018 $354.497 $131.204 $438.524 $160.103 $16.636 $51.655) ($62.103 $16.052 $199.600) ($91.693 $196.714) ($51.113 $287.196 $218.373 $33.373 $33.561 $85.497 $64.688 $319.968 $33.479 $160.062 $466.949 $179.498 33 .391 $387.258 $48.636 ($32.079 $251.221 $249.251 $254.610 $155.775 ($64.525 $4.463 $32.373 $32.472) $38.400) ($33.794 $509.809 $5.Non-GAAP Reconciliation (cont’d) 2009A 2010A 2011A 2012A 2013 Q3 $351.

2011 was outstanding on January 1. and to the tax basis step up associated with our separation from Fifth Third Bank and the purchase or exchange of Class B units of Vantiv Holding. For comparison purposes. 2009. 2009. assuming the level of debt and applicable terms at December 31. (7) Represents tax benefits due to the amortization of intangible assets and other tax attributes resulting from or acquired with our acquisitions. the cash tax benefits have been presented for periods prior to 2012. 2011 was in place on January 2009 (3) Unlevered tax expense at 38.5% of PF income from operations. (8) Change in net working capital is calculated as the sum of the change in current operating assets and liabilities per the statement of cash flows (9) Interest expense associated with the Company's level of debt. including Litle. (2) Depreciation expense associated with the Company's property and equipment. 34 . assuming that the Company's property and equipment at December 31. (4) Represents income tax expense assuming conversion of non-controlling interests into shares of Class A common stock (5) Capital expenditures related to PP&E (6) Capital expenditures in 2009 include stand alone capital that represents fixed assets made by Fifth Third Bank prior to the separation of the Company from the bank. primarily customer related intangible assets. reflecting the impact assuming the associated tax attributes were in place on January 1.Non-GAAP Reconciliation (cont’d) (1) Excludes amortization of intangible assets acquired in business combinations. net of payment obligation under tax receivable agreements established at the time of our initial public offering.