The tables below provide information regarding the available operational results for the 3 months ended December 31, 2015, as well as the prior four quarterly reporting periods and the 12 months ended December 31, 2015 and 2014, for cards carrying the Visa, Visa Electron and Interlink brands. 1. Branded and The tables present regional total volume, payments volume, and cash volume, and the number of payments transactions, cash transactions, accounts and cards for cards carrying the Visa, Visa Electron and Interlink brands. Card counts include PLUS proprietary cards. Nominal and constant dollar growth rates over prior years are provided for volume-based data. For the 3 Months Ended December 31, 2015 Asia Pacific $526 3.0% 10.9% $387 7.9% 15.7% 4,894 $139-8.5% -0.5% 1,039 Canada 59-10.8% 4.9% 55-11.1% 4.6% 720 5-6.8% 9.7% 11 CEMEA 227-13.8% 4.8% 60-7.0% 11.5% 2,097 167-16.0% 2.7% 1,234 LAC 237-17.1% 10.3% 89-17.6% 14.2% 2,912 147-16.7% 8.1% 1,173 US 841 8.9% 8.9% 713 9.5% 9.5% 14,033 128 5.5% 5.5% 934 Visa Inc. 1,890-0.4% 9.0% 1,305 4.8% 11.5% 24,656 586-10.4% 3.9% 4,392 US $372 9.2% 9.2% $358 9.2% 9.2% 4,393 $14 7.9% 7.9% 17 International 504-1.3% 12.1% 470 0.5% 13.5% 6,490 34-20.3% -3.9% 164 Visa Inc. 876 2.9% 10.8% 827 4.1% 11.6% 10,883 49-13.7% -0.7% 181 US $469 8.7% 8.7% $355 9.8% 9.8% 9,640 $113 5.2% 5.2% 917 International 546-11.4% 6.4% 122-3.5% 15.6% 4,133 424-13.5% 4.0% 3,293 Visa Inc. 1,014-3.1% 7.5% 477 6.1% 11.3% 13,773 537-10.1% 4.3% 4,210 For the 3 Months Ended September 30, 2015 Asia Pacific $510 0.8% 11.2% $372 5.7% 16.6% 4,674 $138-10.3% -1.2% 1,029 738 835 Canada 58-12.0% 5.2% 54-12.1% 5.1% 698 5-11.3% 6.0% 12 43 50 CEMEA 232-17.1% 9.4% 61-9.9% 17.1% 1,914 171-19.4% 6.9% 1,195 333 321 LAC 227-17.5% 11.2% 85-18.1% 14.0% 2,702 142-17.2% 9.6% 1,093 415 451 US 822 8.7% 8.7% 693 9.7% 9.7% 13,658 129 3.9% 3.9% 959 630 802 Visa Inc. 1,850-1.8% 9.7% 1,265 4.0% 12.1% 23,647 585-12.3% 4.8% 4,287 2,158 2,459 US $359 9.9% 9.9% $345 10.2% 10.2% 4,224 $14 2.9% 2.9% 18 250 329 International 491-2.7% 14.1% 456-0.3% 15.6% 6,211 35-25.3% -2.3% 164 499 558 Visa Inc. 850 2.3% 12.3% 800 3.9% 13.2% 10,435 50-18.9% -0.8% 181 749 887 US $463 7.9% 7.9% $349 9.2% 9.2% 9,434 $115 4.0% 4.0% 941 380 473 International 537-13.8% 7.2% 116-8.7% 13.1% 3,777 420-15.1% 5.7% 3,164 1,029 1,099 Visa Inc. 1,000-5.0% 7.5% 465 4.1% 10.1% 13,212 535-11.7% 5.4% 4,105 1,410 1,572
For the 3 Months Ended June 30, 2015 Asia Pacific $510 4.3% 10.9% $364 7.9% 15.3% 4,394 $145-3.8% 1.1% 1,003 725 822 Canada 62-5.0% 6.0% 57-5.3% 5.7% 679 5-2.5% 8.9% 12 42 49 CEMEA 238-13.8% 7.3% 61-6.0% 15.3% 1,783 177-16.3% 4.8% 1,195 332 321 LAC 237-10.9% 11.6% 89-12.4% 12.5% 2,595 148-10.0% 11.1% 1,072 420 451 US 810 8.0% 8.0% 683 8.8% 8.8% 13,265 126 3.8% 3.8% 951 628 798 Visa Inc. 1,855 0.6% 9.1% 1,254 5.3% 11.0% 22,717 602-8.0% 5.1% 4,232 2,145 2,441 US $352 11.3% 11.3% $339 11.7% 11.7% 4,072 $13 3.5% 3.5% 16 246 323 International 490 0.6% 12.9% 453 3.0% 14.5% 5,915 37-21.7% -3.8% 160 496 554 Visa Inc. 843 4.8% 12.2% 792 6.5% 13.3% 9,988 51-16.3% -2.0% 176 742 876 US $457 5.6% 5.6% $344 6.1% 6.1% 9,192 $113 3.8% 3.8% 935 382 476 International 555-8.6% 7.4% 117-4.7% 11.3% 3,537 438-9.6% 6.4% 3,121 1,021 1,089 Visa Inc. 1,013-2.7% 6.6% 462 3.2% 7.4% 12,729 551-7.1% 5.9% 4,056 1,404 1,565 For the 3 Months Ended March 31, 2015 Asia Pacific $495 2.9% 8.6% $343 4.8% 11.6% 4,092 $152-1.2% 2.4% 986 711 809 Canada 54-5.0% 7.1% 49-5.3% 6.8% 602 5-1.7% 10.9% 12 42 49 CEMEA 212-16.0% 11.8% 54-8.2% 19.9% 1,615 158-18.4% 9.3% 1,121 329 323 LAC 243-2.9% 13.4% 93-1.4% 15.7% 2,529 149-3.8% 12.1% 1,043 417 450 US 748 8.4% 8.4% 628 9.2% 9.2% 12,206 120 4.3% 4.3% 890 620 789 Visa Inc. 1,751 1.2% 9.5% 1,168 5.4% 10.8% 21,044 584-6.2% 7.0% 4,052 2,120 2,420 US $316 12.3% 12.3% $303 12.3% 12.3% 3,623 $13 12.1% 12.1% 15 241 318 International 463 0.0% 11.5% 428 2.7% 12.8% 5,533 35-24.2% -2.6% 153 489 546 Visa Inc. 779 4.6% 11.8% 731 6.4% 12.6% 9,156 48-16.8% 1.0% 168 730 864 US $433 5.8% 5.8% $325 6.5% 6.5% 8,583 $107 3.4% 3.4% 875 379 471 International 540-6.4% 9.4% 111-3.7% 11.9% 3,306 429-7.0% 8.7% 3,009 1,011 1,085 Visa Inc. 972-1.3% 7.7% 437 3.7% 7.9% 11,889 536-5.1% 7.6% 3,884 1,390 1,556 For the 3 Months Ended December 31, 2014 Asia Pacific $511 3.6% 7.9% $359 5.8% 10.8% 4,186 $152-1.4% 1.7% 974 698 797 Canada 66-0.1% 8.7% 62-0.1% 8.7% 671 5 0.2% 9.0% 11 42 49 CEMEA 264-7.8% 15.5% 65 3.2% 26.1% 1,616 199-10.9% 12.4% 1,213 325 321 LAC 285-0.6% 12.9% 109-1.3% 12.6% 2,683 177-0.2% 13.0% 1,130 414 452 US 772 9.4% 9.4% 651 10.2% 10.2% 12,595 121 5.2% 5.2% 916 611 782 Visa Inc. 1,898 3.3% 10.1% 1,245 6.9% 11.1% 21,750 654-3.1% 8.1% 4,243 2,089 2,401 US $341 13.7% 13.7% $327 13.9% 13.9% 3,957 $13 9.2% 9.2% 16 236 313 International 510 1.6% 10.6% 467 3.9% 11.7% 5,769 43-18.3% -1.2% 173 485 543 Visa Inc. 851 6.1% 11.9% 795 7.8% 12.7% 9,725 56-13.1% 1.4% 189 721 857 US $431 6.2% 6.2% $324 6.6% 6.6% 8,638 $108 4.7% 4.7% 899 374 469 International 616-2.3% 10.8% 126 2.3% 14.4% 3,387 490-3.4% 9.9% 3,155 994 1,076 Visa Inc. 1,047 1.0% 8.6% 450 5.4% 8.5% 12,025 597-2.0% 8.8% 4,054 1,368 1,545 Page 2
For the 12 Months Ended December 31, 2015 Asia Pacific $2,041 2.8% 10.4% $1,467 6.6% 14.8% 18,055 $574-6.0% 0.5% 4,055 Canada 233-8.4% 5.8% 214-8.6% 5.5% 2,699 19-5.7% 8.8% 46 CEMEA 909-15.2% 8.2% 236-7.8% 15.8% 7,410 673-17.5% 5.8% 4,746 LAC 943-12.4% 11.6% 357-12.7% 14.1% 10,738 587-12.2% 10.2% 4,381 US 3,221 8.5% 8.5% 2,718 9.3% 9.3% 53,162 503 4.4% 4.4% 3,734 Visa Inc. 7,346-0.1% 9.3% 4,991 4.9% 11.3% 92,064 2,355-9.3% 5.2% 16,962 US $1,399 10.6% 10.6% $1,344 10.8% 10.8% 16,312 $55 6.4% 6.4% 66 International 1,948-0.9% 12.6% 1,807 1.4% 14.1% 24,149 142-22.9% -3.2% 641 Visa Inc. 3,347 3.6% 11.8% 3,151 5.2% 12.7% 40,461 197-16.5% -0.7% 707 US $1,822 7.0% 7.0% $1,374 7.9% 7.9% 36,850 $448 4.1% 4.1% 3,668 International 2,177-10.1% 7.6% 467-5.2% 13.0% 14,753 1,711-11.4% 6.2% 12,588 Visa Inc. 3,999-3.1% 7.3% 1,840 4.3% 9.2% 51,602 2,159-8.6% 5.8% 16,255 For the 12 Months Ended December 31, 2014 Asia Pacific $1,986 6.7% 9.5% $1,376 9.8% 12.6% 15,581 $610 0.1% 3.3% 3,722 698 797 Canada 254 0.8% 8.4% 234 0.8% 8.5% 2,500 20 0.6% 8.1% 46 42 49 CEMEA 1,071 1.4% 14.6% 256 13.6% 25.9% 5,743 816-1.9% 11.4% 4,670 325 321 LAC 1,077-0.1% 11.6% 408 0.4% 12.8% 9,939 668-0.4% 10.9% 4,183 414 452 US 2,968 9.0% 9.0% 2,486 9.7% 9.7% 48,273 482 5.5% 5.5% 3,687 611 782 Visa Inc. 7,356 5.5% 10.1% 4,760 8.6% 11.3% 82,036 2,596 0.3% 7.8% 16,308 2,089 2,401 US $1,265 12.3% 12.3% $1,213 12.5% 12.5% 14,412 $52 7.8% 7.8% 64 236 313 International 1,966 4.8% 10.6% 1,782 6.4% 11.7% 21,750 184-8.8% -0.1% 709 485 543 Visa Inc. 3,231 7.6% 11.3% 2,995 8.8% 12.0% 36,163 235-5.6% 1.8% 773 721 857 US $1,703 6.7% 6.7% $1,273 7.2% 7.2% 33,861 $430 5.3% 5.3% 3,623 374 469 International 2,423 2.1% 11.4% 492 11.3% 20.4% 12,013 1,930 0.0% 9.3% 11,912 994 1,076 Visa Inc. 4,126 3.9% 9.2% 1,765 8.3% 10.1% 45,874 2,361 0.9% 8.4% 15,535 1,368 1,545 Page 3
2. Cross-Border The table below represents cross-border volume growth for cards carrying the Visa, Visa Electron, Interlink and PLUS brands. Cross-border volume refers to payments and cash volume where the issuing country is different from the merchant country. Period 3 Months Ended Dec 31, 2015-4% 4% Sep 30, 2015-4% 5% Jun 30, 2015 0% 8% Mar 31, 2015 2% 8% Dec 31, 2014 4% 8% 12 Months Ended Dec 31, 2015-2% 6% Dec 31, 2014 6% 8% 3. Visa Processed The table below represents transactions involving Visa, Visa Electron, Interlink and PLUS cards processed on Visa s networks. Period Processed 3 Months Ended Dec 31, 2015 18,986 8% Sep 30, 2015 18,365 8% Jun 30, 2015 18,024 8% Mar 31, 2015 16,980 11% Dec 31, 2014 17,599 10% 12 Months Ended Dec 31, 2015 72,355 9% Dec 31, 2014 66,607 10% Page 4
Footnote volume represents the aggregate dollar amount of purchases made with cards carrying the Visa, Visa Electron and Interlink brands for the relevant period; and cash volume represents the aggregate dollar amount of cash disbursements obtained with these cards for the relevant period and includes the impact of balance transfers and convenience checks; but excludes proprietary PLUS volume. volume represents payments volume plus cash volume. Visa payment products are comprised of credit and debit programs, and data relating to each program is included in the tables. Debit programs include Visa s signature based and Interlink (PIN) debit programs. The data presented is based on results reported quarterly by Visa s financial institution clients on their operating certificates. Estimates may be utilized if data is unavailable. On occasion, previously presented information may be updated. Prior period updates, if any, are not material. Visa s CEMEA region is comprised of countries in Central Europe, the Middle East and Africa. Effective with the 3 months ended September 2013, Croatia moved from the CEMEA region to Visa Europe. Several European Union countries in Central Europe, Israel and Turkey are not included in CEMEA. LAC is comprised of countries in Central and South America and the Caribbean. International includes Asia Pacific, Canada, CEMEA and LAC. Information denominated in U.S. dollars is calculated by applying an established U.S. dollar/local currency exchange rate for each local currency in which Visa Inc. volumes are reported ( Nominal USD ). These exchange rates are calculated on a quarterly basis using the established exchange rate for each quarter. To eliminate the impact of foreign currency fluctuations against the U.S. dollar in measuring performance, Visa Inc. also reports year-over-year growth in total volume, payments volume and cash volume on the basis of local currency information ( Constant USD ). This presentation represents Visa s historical methodology which may be subject to review and refinement. Page 5