Visa helps your business succeed Industry-leading risk solutions

2018 Visa Debit Product Profile

Visa is a trusted global brand known for strength, integrity and Our approach keeps payments Our methods include:
industry-leading innovation. We continue to break new Visa offers global scale efficient and secure: • Identifying fraud before it occurs using predictive analytics
ground with an advanced suite of debit solutions that can be Visa Inc. operates one of the • Optimizing authorization rates • Tokenizing transaction data so payment data becomes
customized to meet your needs, streamline your processes, and world’s largest retail electronic • Minimizing fraud worthless to criminals
deliver exceptional value to you and the customers you serve. payments network3 with • Streamlining the payment process • Verifying cardholder identity before a transaction is made

Visa is a better way to pay and be paid, enabling consumers international connections and • Optimizing the customer experience with best-in-class
and merchants to do business with confidence. impressive payment volume. payment products

Visa’s integrated risk products for the transaction lifecycle

US $7
7.6T Authentication:
Why choose Visa for debit? Payments Volume
(as of December 31, 2017) Visa Advanced Authorization (VAA) In-flight real-time risk scoring available for every VisaNet transaction
Visa’s industry leadership is your assurance of capability and quality Visa Risk Manager (VRM) Lets financial institutions decline only the highest risk transactions while
at the highest level. Here’s what sets Visa apart:
USS $10
0.5T optimizing approval rates at point of purchase, resulting in reduced risk exposure and increased usage

• The Visa Network – widely accepted around the world Total Volume4 Visa Consumer Authentication Service (VCAS) Visa’s hosted 3DS solution
(as of December 31, 2017)

• A commitment to uncovering debit potential and increasing usage delivers multiple layers of protection against eCommerce fraud
VAA increases
• Powerful tools and marketing resources to support your growth Mobile Location Confirmation Unique geolocation service enhances
the effectiveness of
• Strategic insights, benchmarking and diagnostics to optimize your 2.6
6M ATMs
(as of June 30, 2017)
5 risk scoring
fraud detection by
1
performance Travel Authorization Tag Incorporates travel data into authorization 30-40%
• Sophisticated risk and fraud detection techniques to safeguard transactions Visa ID Intelligence Intelligent risk analytics

More places and more ways to use Visa 160

0 Currrencie
es
(as of December 31, 2016)
Transaction Advisor Lessens fraud on Automated Fuel Dispensers

We’re expanding and modernizing. Compromised Account Management System Identifies accounts for reissuance
• Over 46 million merchant locations globally1
Risk Management:
• The exclusive major payment card network accepted at U.S. Costco locations, 169.2
2B Threat Intelligence Delivers real time threat information
the world’s 2nd largest retailer.2 Total Transactions4
(as of December 31, 2017)
Visa Claims Resolution Allows issuers to process disputes efficiently
• Multiple payment solutions: Visa Checkout, Visa Developer, Visa Direct
Consumer Transaction Controls Empowers consumers to limit card usage
65,00
00
Transaction Messages Per Second
(capacity as of August 2017) 1
Visa Internal Analysis; Assuming a 10:1 False Positive Rate

3.2B
B Tools and expertise to grow your business
Figures in the column to the right are rounded and are from the latest operational performance data except number of Visa Cards
(as of September 30, 2017)
financial institutions and ATMs.
1
Data provided to Visa by acquiring financial institutions and other third parties.
Learn how Vissa can add strrength and drive
2

3
National Retail Federation – Top 250 Global Retailers, 2016.
Based on payments volume, total volume, number of transactions and number of cards in circulation.
performancee for your debit portfolio. Call 888-847-2
2242
4

5
Includes payments and cash transactions. 16,10
00 and follow the prompts on the menu to be directed to the Sales Department.
As reported by client financial institutions and therefore may be subject to change; includes ATMs in the Visa Europe territory. Financial Institution Clients
(as of December 31, 2017)
Visa helps your business succeed Industry-leading risk solutions
2018 Visa Debit Product Profile
Visa is a trusted global brand known for strength, integrity and Our approach keeps payments Our methods include:
industry-leading innovation. We continue to break new Visa offers global scale efficient and secure: • Identifying fraud before it occurs using predictive analytics
ground with an advanced suite of debit solutions that can be Visa Inc. operates one of the • Optimizing authorization rates • Tokenizing transaction data so payment data becomes
customized to meet your needs, streamline your processes, and world’s largest retail electronic • Minimizing fraud worthless to criminals
deliver exceptional value to you and the customers you serve. payments network3 with • Streamlining the payment process • Verifying cardholder identity before a transaction is made

Visa is a better way to pay and be paid, enabling consumers international connections and • Optimizing the customer experience with best-in-class
and merchants to do business with confidence. impressive payment volume. payment products

Visa’s integrated risk products for the transaction lifecycle

US $7
7.6T Authentication:
Why choose Visa for debit? Payments Volume
(as of December 31, 2017) Visa Advanced Authorization (VAA) In-flight real-time risk scoring available for every VisaNet transaction
Visa’s industry leadership is your assurance of capability and quality Visa Risk Manager (VRM) Lets financial institutions decline only the highest risk transactions while
at the highest level. Here’s what sets Visa apart:
USS $10
0.5T optimizing approval rates at point of purchase, resulting in reduced risk exposure and increased usage

• The Visa Network – widely accepted around the world Total Volume4 Visa Consumer Authentication Service (VCAS) Visa’s hosted 3DS solution
(as of December 31, 2017)

• A commitment to uncovering debit potential and increasing usage delivers multiple layers of protection against eCommerce fraud
VAA increases
• Powerful tools and marketing resources to support your growth Mobile Location Confirmation Unique geolocation service enhances
the effectiveness of
• Strategic insights, benchmarking and diagnostics to optimize your 2.6
6M ATMs
(as of June 30, 2017)
5 risk scoring
fraud detection by
1
performance Travel Authorization Tag Incorporates travel data into authorization 30-40%
• Sophisticated risk and fraud detection techniques to safeguard transactions Visa ID Intelligence Intelligent risk analytics

More places and more ways to use Visa 160

0 Currrencie
es
(as of December 31, 2016)
Transaction Advisor Lessens fraud on Automated Fuel Dispensers

We’re expanding and modernizing. Compromised Account Management System Identifies accounts for reissuance
• Over 46 million merchant locations globally1
Risk Management:
• The exclusive major payment card network accepted at U.S. Costco locations, 169.2
2B Threat Intelligence Delivers real time threat information
the world’s 2nd largest retailer.2 Total Transactions4
(as of December 31, 2017)
Visa Claims Resolution Allows issuers to process disputes efficiently
• Multiple payment solutions: Visa Checkout, Visa Developer, Visa Direct
Consumer Transaction Controls Empowers consumers to limit card usage
65,00
00
Transaction Messages Per Second
(capacity as of August 2017) 1
Visa Internal Analysis; Assuming a 10:1 False Positive Rate

3.2B
B Tools and expertise to grow your business
Figures in the column to the right are rounded and are from the latest operational performance data except number of Visa Cards
(as of September 30, 2017)
financial institutions and ATMs.
1
Data provided to Visa by acquiring financial institutions and other third parties.
Learn how Vissa can add strrength and drive
2

3
National Retail Federation – Top 250 Global Retailers, 2016.
Based on payments volume, total volume, number of transactions and number of cards in circulation.
performancee for your debit portfolio. Call 888-847-2
2242
4

5
Includes payments and cash transactions. 16,10
00 and follow the prompts on the menu to be directed to the Sales Department.
As reported by client financial institutions and therefore may be subject to change; includes ATMs in the Visa Europe territory. Financial Institution Clients
(as of December 31, 2017)
The Visa Debit opportunity Optimize your debit portfolio with online support Potential for added growth
When you partner with Visa, you never go it alone. You have a one-stop online resource to help you grow your Visa Debit represents exceptional revenue potential for you, as debit cards are poised for further growth.
portfolio. Visit Visa Online for a complete toolkit of metrics and support including helpful guides and turnkey, The use of debit has become increasingly important with an impressive sales volume of more than
Visa has historically been the debit leader.1 We’ve made significant,
customizable marketing materials to help you take action. $2.6 trillion in 2016.1
strategic investments in innovation, security, and expanded acceptance
to drive future debit growth. Consumer Debit Scorecard And there is still room to grow debit spend. With 26% of those who participated in the Visa Payments Panel continuing
Visa’s flagship metrics tool is unique in the industry. It identifies potential for penetration, activation, and usage to use cash and checks, and 73% of cash transactions falling below $25,2 Visa is now taking aim at well-defined targets
improvement and lets you benchmark your portfolio against Peers (other issuers of your size) and the Visa System. for future debit expansion.
That lets you focus your resources where the opportunity is greatest, and move ahead with clarity and confidence. 1
Nilson Report issue #1119 published October 2017 (Excluded Private Label Prepaid & ACH) 2 Visa U.S. Payment Panel, 4 Quarters Ending 2Q 2017

Metrics Peer Group Peer Group Peer Group Peer Group Peer Group Visa System
Round out and enhance your debit portfolio with a full suite of products 1 – 20 21 – 50 51 – 100 101 – 250 251 - 400 $3 Trillion of untapped potential in new segments3
Power Scores:
Visa Debit Interlink Transaction 14.88
14.
4 88
88 13.00
13.
3 00
0 13.96
13.
3 96
6 12.35
12 35
2.35 11.60
11 60
1.60 12.80
12 80
2.80
3
• Accepted at tens of millions of merchants worldwide • Accepted at 2.6 million U.S. merchant locations Sales Volume $529.60
$52
29.
9 60 $466.70
$4 6.
466 70 $477.01
$4 7.
477.01 $435.97
$4 5
435..97
97 $410.82
$4 0.
410 82
8 $458.18
$4 8.
458 18
8
PAU:
• Purchasing power at point-of-sale and card-not-present • Purchasing power at point-of-sale via PIN
Penetration 81.7%
81..7%
1 79.1%
79 1%
9. % 80.4%
80 4%
0.4 76.4%
76 4%
6.4 75.6%
75 6%
5. 77.6%
77 6%
7.

R
• Flexible and convenient cardholder verification including
Visa DPS Activation 75.0%
75 0%
5. 78.5%
78 5%
8. % 78.2%
78 2%
8. 77.7%
77.7%
7.
.7%
% 79.2%
79 2%
9. 71.7%
71.7%
1. %

O
signature, no signature, PIN (PAVD), and biometrics

Visa/Plus ATM
• Turnkey and reliable single-source
processing platform
Penetration* Activation
Usage
62.1%
62 1%
2. %
24.8
248
4.
F
60.7%
60 7%
0.

I
%

V
21.1
2
21.1
1 E 62.4%
62 4%
2.4
22.1
22..1
2
61.6%
61 6%
1.
20.5
2
20
0.5
5
61.8%
61 8%
1.8
19.3
19.
93
55.6%
55 6%
5.
23.0
23.0
23 0
Loan Payment Rent Government & Tax Assisted Living

• Cash access at 2+ million ATMs worldwide

and 600+ thousand ATMs in U.S.2
• Debit and prepaid processing Portfolio:
Sales Volume $9,148,558,944
$9 14
9, 48,
8 55
558,
558,
8 94
9444

R A T 26,3
,3

Y
$514,826,309
$
$514
$5
514
4,8
826 309 $265,543,219
$26
65,
5 54
43,
3 21
29 $125,902,309
$125
$12 ,9
25 902
0 ,3
309 $63,236,490
$6 ,2
63 236
36,4
,4
490 –

• Scalable and interoperable network

• Fraud and risk services
Transaction Volume 254,431,587
254
4,4
431
3 ,5
587
87

U S T O N L
14,277,412
14,
4 27
2 7,
7 41
412 7,700,079
7,70
7,700,
70 0 07
0,079
9 3,569,598
3 56
3, 569,
9 59
9, 98 1,771,667
1
1,771,
771 66
1, 67 –

L
Sales Volume Growth 10.0%
10 0%
0. 12.7%
12 7%
2. % 13.4%
13 4%
3.4 12.1%
12..1%
2 % 12.7%
12.7% 9.4%
9.4
4%
1
Nilson Report issue #1119 published October 2017 2
Visa Annual Report 2017 3
Visa Interlink Matching Service (VIMS) Database Transaction Count Growth
Average Ticket Size
IL
7.4%
7.4
4%
$35.75
$3 .7
35 75

S E S
10.0%
1
10.0
0%
$36.28
$
$3
36.
6 28
28
10.5%
10.5
10.5
5%
$34.69
$34
4.6
69
8.9%
8
8.9%
%
$35.88
$
$35.
$3
35.
5 88
9.5%
9.5
5%
$36.20
$36.2
20
6.7%
6
6.
.7%
%
$35.78
$
$35.
$3
35.
5 78
8
Charity Insurance Education

O
Cash to Debit Migration

P
Accounts & Cards:
Migrating cash to debit represents an enormous opportunity for Visa Debit issuers. Approximately $2 trillion in
Purchase PPE was in the form of cash, and 55% of these cash transactions were $15 or less.

Cash-to-card migration represents a $2T opportunity*

# of DDAs
# of Visa Debit Accounts
# of Active Visa Debit Accounts
# of Active Cards
5,698,102
5,6
698

,3
98,1
,7
344
,102
,1

P
02
4 ,0
41
2

U
4,741,058
4,741 058
3,344,336
3 44,3
,336
,336
4,125,897
4,1
125
2 ,8
897
97
8
R 414,568
414
4,5
568
311,476
311,4
11,4
476
236,854
236
36,8
6,8
854
4
233,757
233
33,7
3,7
757
7
212,146
212
2,1
146
4
165,481
165,4
65 481
8
125,053
125
2 ,0
,053
53
123,874
123
2 ,8
874
4
144,181
14 ,1
44,181
8
81
88,011
8 8 01
8,011
63,146
63,
3 14
46
60,353
6 0 35
0,
1

353
353
55,639
55 63
5, 639
639
41,795
4
41
1,7
795
9
32,349
3
32
2,3
349
49
30,016
3
30,0
30
0,0
016
6
–
–
–
–
More possibilities ahead:
Visa is committed to opening up rich, powerful new markets for debit. We’ve pinpointed underpenetrated
verticals including rent, loan repayment, tuition, taxes and more – key markets that represent exciting
Monthly Average per Active Card:
new opportunities for debit cards, and for your business. There is $3 trillion of cash and check spend with
55% of transactions the potential to be converted to debit card transactions.
40% Sales per Active Card $746.50
$74
746.
46.
6 50 $736.65
$73
36.
6 65
65 $725.26
$72
725.
5 26
26 $709.16
$70
709.
9 16
9. 6 $710.83
$710.
710 83
0. 8 $757.90
$757
$757.9
57.9
90
are below $15, representing Spend
35% Transaction per Active Card 20.92
20..92
0 20.39
20 39
0. 21.01
21 01
1. 19.90
19 90
9. 19.81
19 81
9. 8 21.18
21..18
1 18
14% of spend Transactions
30% 3
Aite How American Pay their Bills 2013-2016; Cardable opportunity: market opportunity excluding bank online bill pay, direct debit from customer DDA, and card payments.
Only opportunities greater than $100B were considered
25%
73% of transactions The Visa Debit Toolkit also includes:
20% are below $25, representing
15% 26% of spend
10%
5%
0%
Less $5 - $15 - $25 - $35 - $50 - $75 - $100 - $300 - $500 - $1,500 +
than $5 $14 $24 $34 $49 $74 $99 $299 $499 $1,499 Performance Branch Best Practices Customizable Webinars Insight Guides In-depth Research
Measurement Calculator to help maximize new Marketing Collateral In-depth content on industry trends, to help increase the effectiveness Whenever possible we use firsthand
Sources: *Nilson Report / Euromonitor Data, Q1 2017. SEC filings, Oxford Economics, Nilson Reports, Analysis by Visa Business and Economics Insights; Cash excludes credit card, offline debit card and online
debit card cash advances. U.S. Payments Panel Data, data from 3Q-2016 to 2Q-2017 included. Importantly, the $100-$299 band is only showing a spike based on the larger range of the band. It is 8x larger to estimate portfolio revenue potential account production to help increase turnkey, multi-channel business opportunities and more of your marketing efforts customer research data to inform our
than the range of the previous band of $75-$99. campaigns to increase debit card usage debit marketing strategies
The Visa Debit opportunity Optimize your debit portfolio with online support Potential for added growth
When you partner with Visa, you never go it alone. You have a one-stop online resource to help you grow your Visa Debit represents exceptional revenue potential for you, as debit cards are poised for further growth.
portfolio. Visit Visa Online for a complete toolkit of metrics and support including helpful guides and turnkey, The use of debit has become increasingly important with an impressive sales volume of more than
Visa has historically been the debit leader.1 We’ve made significant,
customizable marketing materials to help you take action. $2.6 trillion in 2016.1
strategic investments in innovation, security, and expanded acceptance
to drive future debit growth. Consumer Debit Scorecard And there is still room to grow debit spend. With 26% of those who participated in the Visa Payments Panel continuing
Visa’s flagship metrics tool is unique in the industry. It identifies potential for penetration, activation, and usage to use cash and checks, and 73% of cash transactions falling below $25,2 Visa is now taking aim at well-defined targets
improvement and lets you benchmark your portfolio against Peers (other issuers of your size) and the Visa System. for future debit expansion.
That lets you focus your resources where the opportunity is greatest, and move ahead with clarity and confidence. 1
Nilson Report issue #1119 published October 2017 (Excluded Private Label Prepaid & ACH) 2 Visa U.S. Payment Panel, 4 Quarters Ending 2Q 2017

Metrics Peer Group Peer Group Peer Group Peer Group Peer Group Visa System
Round out and enhance your debit portfolio with a full suite of products 1 – 20 21 – 50 51 – 100 101 – 250 251 - 400 $3 Trillion of untapped potential in new segments3
Power Scores:
Visa Debit Interlink Transaction 14.88
14.
4 88
88 13.00
13.
3 00
0 13.96
13.
3 96
6 12.35
12 35
2.35 11.60
11 60
1.60 12.80
12 80
2.80
3
• Accepted at tens of millions of merchants worldwide • Accepted at 2.6 million U.S. merchant locations Sales Volume $529.60
$52
29.
9 60 $466.70
$4 6.
466 70 $477.01
$4 7.
477.01 $435.97
$4 5
435..97
97 $410.82
$4 0.
410 82
8 $458.18
$4 8.
458 18
8
PAU:
• Purchasing power at point-of-sale and card-not-present • Purchasing power at point-of-sale via PIN
Penetration 81.7%
81..7%
1 79.1%
79 1%
9. % 80.4%
80 4%
0.4 76.4%
76 4%
6.4 75.6%
75 6%
5. 77.6%
77 6%
7.

R
• Flexible and convenient cardholder verification including
Visa DPS Activation 75.0%
75 0%
5. 78.5%
78 5%
8. % 78.2%
78 2%
8. 77.7%
77.7%
7.
.7%
% 79.2%
79 2%
9. 71.7%
71.7%
1. %

O
signature, no signature, PIN (PAVD), and biometrics

Visa/Plus ATM
• Turnkey and reliable single-source
processing platform
Penetration* Activation
Usage
62.1%
62 1%
2. %
24.8
248
4.
F
60.7%
60 7%
0.

I
%

V
21.1
2
21.1
1 E 62.4%
62 4%
2.4
22.1
22..1
2
61.6%
61 6%
1.
20.5
2
20
0.5
5
61.8%
61 8%
1.8
19.3
19.
93
55.6%
55 6%
5.
23.0
23.0
23 0
Loan Payment Rent Government & Tax Assisted Living

• Cash access at 2+ million ATMs worldwide

and 600+ thousand ATMs in U.S.2
• Debit and prepaid processing Portfolio:
Sales Volume $9,148,558,944
$9 14
9, 48,
8 55
558,
558,
8 94
9444

R A T 26,3
,3

Y
$514,826,309
$
$514
$5
514
4,8
826 309 $265,543,219
$26
65,
5 54
43,
3 21
29 $125,902,309
$125
$12 ,9
25 902
0 ,3
309 $63,236,490
$6 ,2
63 236
36,4
,4
490 –

• Scalable and interoperable network

• Fraud and risk services
Transaction Volume 254,431,587
254
4,4
431
3 ,5
587
87

U S T O N L
14,277,412
14,
4 27
2 7,
7 41
412 7,700,079
7,70
7,700,
70 0 07
0,079
9 3,569,598
3 56
3, 569,
9 59
9, 98 1,771,667
1
1,771,
771 66
1, 67 –

L
Sales Volume Growth 10.0%
10 0%
0. 12.7%
12 7%
2. % 13.4%
13 4%
3.4 12.1%
12..1%
2 % 12.7%
12.7% 9.4%
9.4
4%
1
Nilson Report issue #1119 published October 2017 2
Visa Annual Report 2017 3
Visa Interlink Matching Service (VIMS) Database Transaction Count Growth
Average Ticket Size
IL
7.4%
7.4
4%
$35.75
$3 .7
35 75

S E S
10.0%
1
10.0
0%
$36.28
$
$3
36.
6 28
28
10.5%
10.5
10.5
5%
$34.69
$34
4.6
69
8.9%
8
8.9%
%
$35.88
$
$35.
$3
35.
5 88
9.5%
9.5
5%
$36.20
$36.2
20
6.7%
6
6.
.7%
%
$35.78
$
$35.
$3
35.
5 78
8
Charity Insurance Education

O
Cash to Debit Migration

P
Accounts & Cards:
Migrating cash to debit represents an enormous opportunity for Visa Debit issuers. Approximately $2 trillion in
Purchase PPE was in the form of cash, and 55% of these cash transactions were $15 or less.

Cash-to-card migration represents a $2T opportunity*

# of DDAs
# of Visa Debit Accounts
# of Active Visa Debit Accounts
# of Active Cards
5,698,102
5,6
698

,3
98,1
,7
344
,102
,1

P
02
4 ,0
41
2

U
4,741,058
4,741 058
3,344,336
3 44,3
,336
,336
4,125,897
4,1
125
2 ,8
897
97
8
R 414,568
414
4,5
568
311,476
311,4
11,4
476
236,854
236
36,8
6,8
854
4
233,757
233
33,7
3,7
757
7
212,146
212
2,1
146
4
165,481
165,4
65 481
8
125,053
125
2 ,0
,053
53
123,874
123
2 ,8
874
4
144,181
14 ,1
44,181
8
81
88,011
8 8 01
8,011
63,146
63,
3 14
46
60,353
6 0 35
0,
1

353
353
55,639
55 63
5, 639
639
41,795
4
41
1,7
795
9
32,349
3
32
2,3
349
49
30,016
3
30,0
30
0,0
016
6
–
–
–
–
More possibilities ahead:
Visa is committed to opening up rich, powerful new markets for debit. We’ve pinpointed underpenetrated
verticals including rent, loan repayment, tuition, taxes and more – key markets that represent exciting
Monthly Average per Active Card:
new opportunities for debit cards, and for your business. There is $3 trillion of cash and check spend with
55% of transactions the potential to be converted to debit card transactions.
40% Sales per Active Card $746.50
$74
746.
46.
6 50 $736.65
$73
36.
6 65
65 $725.26
$72
725.
5 26
26 $709.16
$70
709.
9 16
9. 6 $710.83
$710.
710 83
0. 8 $757.90
$757
$757.9
57.9
90
are below $15, representing Spend
35% Transaction per Active Card 20.92
20..92
0 20.39
20 39
0. 21.01
21 01
1. 19.90
19 90
9. 19.81
19 81
9. 8 21.18
21..18
1 18
14% of spend Transactions
30% 3
Aite How American Pay their Bills 2013-2016; Cardable opportunity: market opportunity excluding bank online bill pay, direct debit from customer DDA, and card payments.
Only opportunities greater than $100B were considered
25%
73% of transactions The Visa Debit Toolkit also includes:
20% are below $25, representing
15% 26% of spend
10%
5%
0%
Less $5 - $15 - $25 - $35 - $50 - $75 - $100 - $300 - $500 - $1,500 +
than $5 $14 $24 $34 $49 $74 $99 $299 $499 $1,499 Performance Branch Best Practices Customizable Webinars Insight Guides In-depth Research
Measurement Calculator to help maximize new Marketing Collateral In-depth content on industry trends, to help increase the effectiveness Whenever possible we use firsthand
Sources: *Nilson Report / Euromonitor Data, Q1 2017. SEC filings, Oxford Economics, Nilson Reports, Analysis by Visa Business and Economics Insights; Cash excludes credit card, offline debit card and online
debit card cash advances. U.S. Payments Panel Data, data from 3Q-2016 to 2Q-2017 included. Importantly, the $100-$299 band is only showing a spike based on the larger range of the band. It is 8x larger to estimate portfolio revenue potential account production to help increase turnkey, multi-channel business opportunities and more of your marketing efforts customer research data to inform our
than the range of the previous band of $75-$99. campaigns to increase debit card usage debit marketing strategies
The Visa Debit opportunity Optimize your debit portfolio with online support Potential for added growth
When you partner with Visa, you never go it alone. You have a one-stop online resource to help you grow your Visa Debit represents exceptional revenue potential for you, as debit cards are poised for further growth.
portfolio. Visit Visa Online for a complete toolkit of metrics and support including helpful guides and turnkey, The use of debit has become increasingly important with an impressive sales volume of more than
Visa has historically been the debit leader.1 We’ve made significant,
customizable marketing materials to help you take action. $2.6 trillion in 2016.1
strategic investments in innovation, security, and expanded acceptance
to drive future debit growth. Consumer Debit Scorecard And there is still room to grow debit spend. With 26% of those who participated in the Visa Payments Panel continuing
Visa’s flagship metrics tool is unique in the industry. It identifies potential for penetration, activation, and usage to use cash and checks, and 73% of cash transactions falling below $25,2 Visa is now taking aim at well-defined targets
improvement and lets you benchmark your portfolio against Peers (other issuers of your size) and the Visa System. for future debit expansion.
That lets you focus your resources where the opportunity is greatest, and move ahead with clarity and confidence. 1
Nilson Report issue #1119 published October 2017 (Excluded Private Label Prepaid & ACH) 2 Visa U.S. Payment Panel, 4 Quarters Ending 2Q 2017

Metrics Peer Group Peer Group Peer Group Peer Group Peer Group Visa System
Round out and enhance your debit portfolio with a full suite of products 1 – 20 21 – 50 51 – 100 101 – 250 251 - 400 $3 Trillion of untapped potential in new segments3
Power Scores:
Visa Debit Interlink Transaction 14.88
14.
4 88
88 13.00
13.
3 00
0 13.96
13.
3 96
6 12.35
12 35
2.35 11.60
11 60
1.60 12.80
12 80
2.80
3
• Accepted at tens of millions of merchants worldwide • Accepted at 2.6 million U.S. merchant locations Sales Volume $529.60
$52
29.
9 60 $466.70
$4 6.
466 70 $477.01
$4 7.
477.01 $435.97
$4 5
435..97
97 $410.82
$4 0.
410 82
8 $458.18
$4 8.
458 18
8
PAU:
• Purchasing power at point-of-sale and card-not-present • Purchasing power at point-of-sale via PIN
Penetration 81.7%
81..7%
1 79.1%
79 1%
9. % 80.4%
80 4%
0.4 76.4%
76 4%
6.4 75.6%
75 6%
5. 77.6%
77 6%
7.

R
• Flexible and convenient cardholder verification including
Visa DPS Activation 75.0%
75 0%
5. 78.5%
78 5%
8. % 78.2%
78 2%
8. 77.7%
77.7%
7.
.7%
% 79.2%
79 2%
9. 71.7%
71.7%
1. %

O
signature, no signature, PIN (PAVD), and biometrics

Visa/Plus ATM
• Turnkey and reliable single-source
processing platform
Penetration* Activation
Usage
62.1%
62 1%
2. %
24.8
248
4.
F
60.7%
60 7%
0.

I
%

V
21.1
2
21.1
1 E 62.4%
62 4%
2.4
22.1
22..1
2
61.6%
61 6%
1.
20.5
2
20
0.5
5
61.8%
61 8%
1.8
19.3
19.
93
55.6%
55 6%
5.
23.0
23.0
23 0
Loan Payment Rent Government & Tax Assisted Living

• Cash access at 2+ million ATMs worldwide

and 600+ thousand ATMs in U.S.2
• Debit and prepaid processing Portfolio:
Sales Volume $9,148,558,944
$9 14
9, 48,
8 55
558,
558,
8 94
9444

R A T 26,3
,3

Y
$514,826,309
$
$514
$5
514
4,8
826 309 $265,543,219
$26
65,
5 54
43,
3 21
29 $125,902,309
$125
$12 ,9
25 902
0 ,3
309 $63,236,490
$6 ,2
63 236
36,4
,4
490 –

• Scalable and interoperable network

• Fraud and risk services
Transaction Volume 254,431,587
254
4,4
431
3 ,5
587
87

U S T O N L
14,277,412
14,
4 27
2 7,
7 41
412 7,700,079
7,70
7,700,
70 0 07
0,079
9 3,569,598
3 56
3, 569,
9 59
9, 98 1,771,667
1
1,771,
771 66
1, 67 –

L
Sales Volume Growth 10.0%
10 0%
0. 12.7%
12 7%
2. % 13.4%
13 4%
3.4 12.1%
12..1%
2 % 12.7%
12.7% 9.4%
9.4
4%
1
Nilson Report issue #1119 published October 2017 2
Visa Annual Report 2017 3
Visa Interlink Matching Service (VIMS) Database Transaction Count Growth
Average Ticket Size
IL
7.4%
7.4
4%
$35.75
$3 .7
35 75

S E S
10.0%
1
10.0
0%
$36.28
$
$3
36.
6 28
28
10.5%
10.5
10.5
5%
$34.69
$34
4.6
69
8.9%
8
8.9%
%
$35.88
$
$35.
$3
35.
5 88
9.5%
9.5
5%
$36.20
$36.2
20
6.7%
6
6.
.7%
%
$35.78
$
$35.
$3
35.
5 78
8
Charity Insurance Education

O
Cash to Debit Migration

P
Accounts & Cards:
Migrating cash to debit represents an enormous opportunity for Visa Debit issuers. Approximately $2 trillion in
Purchase PPE was in the form of cash, and 55% of these cash transactions were $15 or less.

Cash-to-card migration represents a $2T opportunity*

# of DDAs
# of Visa Debit Accounts
# of Active Visa Debit Accounts
# of Active Cards
5,698,102
5,6
698

,3
98,1
,7
344
,102
,1

P
02
4 ,0
41
2

U
4,741,058
4,741 058
3,344,336
3 44,3
,336
,336
4,125,897
4,1
125
2 ,8
897
97
8
R 414,568
414
4,5
568
311,476
311,4
11,4
476
236,854
236
36,8
6,8
854
4
233,757
233
33,7
3,7
757
7
212,146
212
2,1
146
4
165,481
165,4
65 481
8
125,053
125
2 ,0
,053
53
123,874
123
2 ,8
874
4
144,181
14 ,1
44,181
8
81
88,011
8 8 01
8,011
63,146
63,
3 14
46
60,353
6 0 35
0,
1

353
353
55,639
55 63
5, 639
639
41,795
4
41
1,7
795
9
32,349
3
32
2,3
349
49
30,016
3
30,0
30
0,0
016
6
–
–
–
–
More possibilities ahead:
Visa is committed to opening up rich, powerful new markets for debit. We’ve pinpointed underpenetrated
verticals including rent, loan repayment, tuition, taxes and more – key markets that represent exciting
Monthly Average per Active Card:
new opportunities for debit cards, and for your business. There is $3 trillion of cash and check spend with
55% of transactions the potential to be converted to debit card transactions.
40% Sales per Active Card $746.50
$74
746.
46.
6 50 $736.65
$73
36.
6 65
65 $725.26
$72
725.
5 26
26 $709.16
$70
709.
9 16
9. 6 $710.83
$710.
710 83
0. 8 $757.90
$757
$757.9
57.9
90
are below $15, representing Spend
35% Transaction per Active Card 20.92
20..92
0 20.39
20 39
0. 21.01
21 01
1. 19.90
19 90
9. 19.81
19 81
9. 8 21.18
21..18
1 18
14% of spend Transactions
30% 3
Aite How American Pay their Bills 2013-2016; Cardable opportunity: market opportunity excluding bank online bill pay, direct debit from customer DDA, and card payments.
Only opportunities greater than $100B were considered
25%
73% of transactions The Visa Debit Toolkit also includes:
20% are below $25, representing
15% 26% of spend
10%
5%
0%
Less $5 - $15 - $25 - $35 - $50 - $75 - $100 - $300 - $500 - $1,500 +
than $5 $14 $24 $34 $49 $74 $99 $299 $499 $1,499 Performance Branch Best Practices Customizable Webinars Insight Guides In-depth Research
Measurement Calculator to help maximize new Marketing Collateral In-depth content on industry trends, to help increase the effectiveness Whenever possible we use firsthand
Sources: *Nilson Report / Euromonitor Data, Q1 2017. SEC filings, Oxford Economics, Nilson Reports, Analysis by Visa Business and Economics Insights; Cash excludes credit card, offline debit card and online
debit card cash advances. U.S. Payments Panel Data, data from 3Q-2016 to 2Q-2017 included. Importantly, the $100-$299 band is only showing a spike based on the larger range of the band. It is 8x larger to estimate portfolio revenue potential account production to help increase turnkey, multi-channel business opportunities and more of your marketing efforts customer research data to inform our
than the range of the previous band of $75-$99. campaigns to increase debit card usage debit marketing strategies
Visa helps your business succeed Industry-leading risk solutions
2018 Visa Debit Product Profile
Visa is a trusted global brand known for strength, integrity and Our approach keeps payments Our methods include:
industry-leading innovation. We continue to break new Visa offers global scale efficient and secure: • Identifying fraud before it occurs using predictive analytics
ground with an advanced suite of debit solutions that can be Visa Inc. operates one of the • Optimizing authorization rates • Tokenizing transaction data so payment data becomes
customized to meet your needs, streamline your processes, and world’s largest retail electronic • Minimizing fraud worthless to criminals
deliver exceptional value to you and the customers you serve. payments network3 with • Streamlining the payment process • Verifying cardholder identity before a transaction is made

Visa is a better way to pay and be paid, enabling consumers international connections and • Optimizing the customer experience with best-in-class
and merchants to do business with confidence. impressive payment volume. payment products

Visa’s integrated risk products for the transaction lifecycle

US $7
7.6T Authentication:
Why choose Visa for debit? Payments Volume
(as of December 31, 2017) Visa Advanced Authorization (VAA) In-flight real-time risk scoring available for every VisaNet transaction
Visa’s industry leadership is your assurance of capability and quality Visa Risk Manager (VRM) Lets financial institutions decline only the highest risk transactions while
at the highest level. Here’s what sets Visa apart:
USS $10
0.5T optimizing approval rates at point of purchase, resulting in reduced risk exposure and increased usage

• The Visa Network – widely accepted around the world Total Volume4 Visa Consumer Authentication Service (VCAS) Visa’s hosted 3DS solution
(as of December 31, 2017)

• A commitment to uncovering debit potential and increasing usage delivers multiple layers of protection against eCommerce fraud
VAA increases
• Powerful tools and marketing resources to support your growth Mobile Location Confirmation Unique geolocation service enhances
the effectiveness of
• Strategic insights, benchmarking and diagnostics to optimize your 2.6
6M ATMs
(as of June 30, 2017)
5 risk scoring
fraud detection by
1
performance Travel Authorization Tag Incorporates travel data into authorization 30-40%
• Sophisticated risk and fraud detection techniques to safeguard transactions Visa ID Intelligence Intelligent risk analytics

More places and more ways to use Visa 160

0 Currrencie
es
(as of December 31, 2016)
Transaction Advisor Lessens fraud on Automated Fuel Dispensers

We’re expanding and modernizing. Compromised Account Management System Identifies accounts for reissuance
• Over 46 million merchant locations globally1
Risk Management:
• The exclusive major payment card network accepted at U.S. Costco locations, 169.2
2B Threat Intelligence Delivers real time threat information
the world’s 2nd largest retailer.2 Total Transactions4
(as of December 31, 2017)
Visa Claims Resolution Allows issuers to process disputes efficiently
• Multiple payment solutions: Visa Checkout, Visa Developer, Visa Direct
Consumer Transaction Controls Empowers consumers to limit card usage
65,00
00
Transaction Messages Per Second
(capacity as of August 2017) 1
Visa Internal Analysis; Assuming a 10:1 False Positive Rate

3.2B
B Tools and expertise to grow your business
Figures in the column to the right are rounded and are from the latest operational performance data except number of Visa Cards
(as of September 30, 2017)
financial institutions and ATMs.
1
Data provided to Visa by acquiring financial institutions and other third parties.
Learn how Vissa can add strrength and drive
2

3
National Retail Federation – Top 250 Global Retailers, 2016.
Based on payments volume, total volume, number of transactions and number of cards in circulation.
performancee for your debit portfolio. Call 888-847-2
2242
4

5
Includes payments and cash transactions. 16,10
00 and follow the prompts on the menu to be directed to the Sales Department.
As reported by client financial institutions and therefore may be subject to change; includes ATMs in the Visa Europe territory. Financial Institution Clients
(as of December 31, 2017)