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2. The Real Time Difference:Reaching Customers On-The-Go with Personalized Offers Walt Granville Media & Advertising Solutions Visa Inc. 2

3. $7.3trillion total volume 2.2 billion cards in force Source: The NilsonReport 950, 965, 968. For year ending Dec 31, 2010 3

6. Right info, right time, right place

7. A simple experience

8. Personalized preferences

9. To collaborate and share

11. 5 Buying Is Simpler And More Complex Information overload Easy access to information . . . . . . . Who do I trust? Reviews and recommendations . . . . . . . . Everyone is sharing everything Friends sharing . . . . . . . . But they aren’t relevant Offers daily . . . . . . . . . . . . . . . . . .

12. Before During After Merchant processor Merchant acquirer Processor Issuer Payments Are At The Heart Of The Purchase Cycle Consumer purchase cycle 6

14. Flexible offer configuration (one or multiple items, cross basket, cross retailer, etc.)

15. Seamless redemption options (e.g., statement credits)

16. Linked to scanner data

17. Nothing to print; nothing to clip

18. Social

19. Very limited personalization and tracking

20. Restricted offer configurations

21. Archaic fulfillment processing7

22. Advertising Pain Points 8 Targeting too distant from POS (i.e., not “on-the-go”) and hard to dynamically adjust Limited offline/out-of-store spend history Retailers/ advertisers Data Consumer Offer Redeem Measure Merchant Cumbersome fulfillment process Broken link between online/paper offers and offline redemption

23. Merchant processor Merchant acquirer Processor Issuer Innovative Network Functionality Unique Visa functionality Real-time triggers Location insight Mobile delivery Enables merchants to deliver tailored, real-time offers to their customers based on consumer lifestyle behaviors Merchant relationships Data analytics Transactions & redemptions Network scale Merchant acquirer 9

24. Introducing Real-Time Messaging A unique marketing platform that leverages Visa’s Network to trigger promotions BASED ON LOCATION & LIFESTYLE PREFERENCES IN REAL-TIMEWITHIN 7 SECONDS OF A QUALIFYING EVENT DELIVERED VIA SMSOREMAIL

25. Using Business Intelligence To Segment & Tailor Offers 2. 1. Cardholder’s Lifestyle Preferences Location/Proximity of Swipe IN-STORE OUT-OF-STORE 3. Time of Day 4. Day of Week/Month 5. Transaction Amount 6. Frequency

27. Monica redeems her offer at the GAP location

28. Promo code entered at POS

29. Monica grabs lunch at the Westfield Mall and pays with her Visa card12

30. Connecting Like Never Before 13

31. Real-Time Messaging Press Coverage GIGAOM Fast Company Advertising Age All Things Digital PRESS RELEASE “Visa’s been experimenting with ever-more-21st-century payment systems recently… By being an opt-in system with a closely-controlled advertising partner, the system lays the groundwork for the more sophisticated loyalty/location-based/check-in services…” April 21, 2011 “We’ve already seen discounts offered to people who check-in to certain locations. But we’re now moving to more targeted offers by taking into account more information than just location… That’s why the Visa announcement is interesting.” April 21, 2011 “Gap Partners With Visa to Send Location-Based Offers to Your Phone. Here’s another variation on the idea that we will one day get offers sent to us on our phones while in the vicinity of a retail store. This time it’s from Visa.” April 21, 2011 “Visa has unveiled a new mobile service for retailers that brings the credit-card giant head-to-head with mobile deals players such as Foursquare, Groupon and, now, eBay. “ April 21, 2011 Visa Delivers Real-Time Discounts and Promotions to Mobile Consumers When and Where they Shop “Gap tests Visa’s new service to send real-time offers to consumers’ mobile devices” April 21, 2011

32. Questions? Global Interoperability To learn more, contact your Visa Account Executive or Walt Granville at wgranvil@visa.comor (571) 355-2471 Security Reliability Innovate to Deliver Convenience Brand Attributes visa.com/realtimemessaging 15

33. Enroll In Live RTM Programs 16 Gap http://www.visa.com/gapmobile4u/ Intercontinental Hotel Group http://www.visa.com/priorityclub/ Kangaroo Express http://www.usa.visa.com/ke4u/