Harnessing financial information to optimise time and business efficiencies Andre Hattingh Head of Commercial Products CEMEA

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Payments technology company that helps power the global economy What Is Visa? What We Are NotWhat We Are Credit card company Issuer or lender Exposed to consumer credit risk A global payments technology company that sits at the intersection of 14,600 financial institutions, 2.2 billion Visa cards and tens of millions of merchants. Global public company (NYSE: V) Headquarters in San Francisco Major operations in Miami, Singapore, Dubai and San Francisco Bay Area. Visa Inc. has approximately 9,500 employees worldwide. Visa Inc.’s clients are issuing/acquiring financial institutions, merchants, and governments.

Enabling Economies Financial Inclusion By advancing financial inclusion globally, Visa can help improve the lives of financially underserved consumers by enabling them to send, receive and store money, and pay electronically in a safe, reliable and affordable way. Financial Literacy The Visa financial literacy initiative aims to help people of all ages learn the fundamentals of personal finance. Visa is committed to delivering free educational materials and finding even better ways to help individuals learn to save, spend and budget responsibly. Partnering with Governments From benefits distribution to procurement, Visa can streamline the business of government, helping to meet the needs of citizens and save governments money. Thought Leadership Visa continuously conducts research and develops best practice, case studies and white papers. The latest available is “The value of enhanced data for corporate customers and suppliers” and “Optimizing accounts payable functions”. The shift to electronic payments has had a tangible impact on world economies, helping governments bring more of their citizens into the financial mainstream and enabling smoother, more efficient commerce. How Does Visa support and Contribute to this

Strong Secular Trends Are Driving a Shift to Electronic Payments Merchants Business and Governments Consumers Increasingly attracted to convenience, security, enhanced services and rewards Looking to improve efficiency, visibility, control, and security Accepting electronic payments to improve customer convenience

The Evolving Role of the CFO Source: Ernst & Young / BusinessFinance - The Evolving Role of Today's CFO CFO’s are facing increased responsibilities, more executive input BUT also increased pressures to manage risk and control cost.

Challenges to drive key business efficiencies At risk from being provided too much data You can`t manage what you can`t see Cumbersome validation process Ineffective data capture Inconsistent policies and measures Disparate reporting processes Lack of transparency Vulnerable to abuse Reimbursement cycle Compliance challenge Understanding spend profile Cumbersome validation process Ineffective data capture Inconsistent policies and measures Disparate reporting processes Lack of transparency Vulnerable to abuse Reimbursement cycle Compliance challenge Understanding spend profile

Global Commercial Payments Drivers Benefits of commercial card solutions have become more influential in increasing usage Steady Growth for Influencers 91% 93% 92% 93% 90% 52% 64% 54% 61% Source: 2009 Visa Inc. Global Cash Management Survey commissioned by Visa Inc. and conducted by Survey.com, a firm specializing in internet market research

Benefits Of Electronic Payment Solutions Increased Control Cost Savings Increased Efficiency Improved Supplier Relationship For data on this page, at 90 percent confidence, a variance of 3 percent is needed to indicate a significant difference (Sample: Mid and large companies) Source: 2011 Global Cash Management Survey, Question 20: What value do you see a card-based accounts payable automation solution providing?

VISA’S EXPERIENCE Companies have leveraged the right information to help drive efficiencies to their organization. “The benefits of Gardner Denver’s global Visa Corporate card program have already begun to add up. Some of the advantages they’re reaping now include: Visibility into global spend, which improves their sourcing Reduced opportunities for employee misuse or fraud stemming from greater visibility and control Increased employee satisfaction as a result of automated reporting of expenses…” “Google cites the following benefits: Cost savings of approximately 90% for card transactions versus purchase orders Time savings of approximately 40% versus manual processes Greater employee satisfaction from a more efficient process Increased visibility into employee spend, offering managers greater insight and control over budgets Faster, more accurate expense reporting” “The finance department has reported higher accuracy levels while validating transaction amounts and achieved approximately 30% in workload reduction.” “The auto feed of corporate card transaction to the proprietary expense management system ensures the accuracy of T&E spends.” Note: All brand names and logos are the property of their respective owners and are used for identification purposes only

“Know where to find information and how to use it – That’s the secret of success.“ Albert Einstein