Visa Business Issuer Platform Overview. Help business customers on their journey to success

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Help business

customers on their

journey to success

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Now is the time to make your Visa Business portfolio work harder

for your institution. With 28 million small businesses in the U.S.

producing an estimated $5.5T in spending,

_{there is significant}

untapped potential for your portfolio. How can you tap into this

potential? By taking advantage of the full suite of products, tools

and resources available for Visa Business portfolios.

More than ever, Visa is providing innovative solutions designed

to help you drive increased profitability in the top small business

industry segments including retail, professional and business

services, construction, health care and more. In fact, 74.5%

_{of total}

spend by small businesses is still by check and cash,

_with

business-to-business representing the biggest opportunity to move cash to

secure digital payments.

1 SBA Office of Advocacy, February 2013 2 _{Dun & Bradstreet, March 2013}

3 _{US Small Business total CCE – Visa Commercial Consumption Expenditure}

Index; Economic Intelligence Unit (EIU) modeling and analysis, 2013

4 _{Visa Small Business Payment Panel, Visa Research Service, June 2013}

Get big ideas for your

small business portfolio.

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Visa Business Credit Card

and Visa Business Enhanced

Credit Card

These cards help enable small business owners to take control by giving them purchasing convenience, an available credit line, and the ability to separate business and personal expenses. Offer Visa Business Enhanced to build on the Visa Business value proposition with enhanced features and benefits to attract and retain the higher-spending, small business rewards segment.

Visa Business Debit Card

Dealing with checks and carrying cash can be a hassle. This card is designed to provide a quick, easy and secure way for small business owners to pay for purchases, and the money comes straight from their business checking account.

Visa Signature® Business Card

Provide small business owners with powerful resources that can help them run their business more smoothly, while rewarding them for what they do every day. This card provides flexible cash flow via purchasing power and payment flexibility, plus premium rewards and financial control.

Visa Business Line of Credit

Small business owners can utilize the Visa Business card as an access vehicle to their business line of credit and gain the benefit of added security, increased cash flow, and greater control.

Provide more

spending power.

One thing is certain: while all small business owners are passionate about

their businesses, they have diverse spending behaviors. With Visa Business,

you can give small business owners a choice—with a variety of products

designed to make their time spent at work more efficient and effective,

as well as enabling you to help meet different segment preferences.

And that can mean good things for your institution’s bottom line and

relationship with your customers.

4 Provide more choices and benefits

· Visa Signature® Business · Visa Business Enhanced

· Employee limits on debit and credit cards · Revolving credit or charge card options · Visa IntelliLink and Online Advisory Workshops · Specialty business (vertical) cards

· Visa Zero Liability Policy1

Always stay in the know

· Payment Panel · Commitment Study · Spend Insights Report

· Proprietary Research and Analysis · Consultative Expertise

Tap into the

powerful tools

already at your

fingertips.

Retain and grow your existing business

· Portfolio and performance benchmarking · Loyalty programs

· Strategic portfolio growth · Portfolio Management Toolkit

Optimize your marketing efforts

· Visa Business Network on Facebook · Visa Online

· VisaVue® Online · Visa Brand Online

· Special events and opportunities

1 _{Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any}

transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

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Portfolio and performance

benchmarking.

This suite of tools can be used together as a comprehensive diagnostic solution, or the tools can be used individually to help meet your portfolio strategy and business needs.

Diagnostic Toolkit

This set of tools is designed to help you optimize your portfolio performance by providing valuable insights and specific recommendations using the Visa Business Card Scorecard, and the Visa Business Issuer Risk Key Indicator (IRKI).

Portfolio Optimization

Use this powerful resource to help analyze your Visa Business card portfolio and customers and identify opportunities for profitable growth.

Added value through

loyalty programs.

You can pass along added value to your Visa Business cardholders to help increase engagement and satisfaction via the following programs:

Visa SavingsEdge

Visa has partnered with participating merchants to help Visa Business cardholders save automatically. All they need to do is use their enrolled card on qualifying purchases at participating merchants.

Cardholder and employee rewards

Visa has established high-profile partnerships with the NFL, Olympics, and International Federation of Football Association (FIFA) to reward your cardholders with one-of-a-kind experiences, as well as to provide networking opportunities and incentives for bank personnel and employees.*

Decisions and strategic

direction geared for growth.

acceptance and authorization strategy and credit-line spending.

Portfolio Management Toolkit

Comprised of three online resource guides—the Marketing Resource Guide, Branch Sales Guide and Underwriting Guide—the Portfolio Management Toolkit puts best practices, tools and resources right at your fingertips. You can access the toolkit at visaonline.com. To view an online demo, visit visa.com/sbtoolkitdemo.

Retain and grow

your existing business.

One of the best ways to increase profitability for your institution

is to focus on the existing small businesses within your portfolio,

assess areas of opportunity, and put strategies into place to

achieve greater growth potential. Visa aims to offer

best-in-industry practices to help you achieve your goals.

6 Premium benefits with

Visa Signature® Business. Visa Signature Business cardmembers enjoy enhanced service offerings and premium rewards for their everyday business purchases—plus access to special amenities. For more information,

visit visa.com/signaturebusiness.

Everyday Spending More Rewarding with Visa Business Enhanced.

Visa Business Enhanced cardmembers get all the benefits of Visa Business, plus rewards for everyday spending and discounts on business category purchases. For more information, visit visaonline.com.

More control with employee limits on debit cards.

With employee limits on debit cards, small business owners can set spending limits and track ATM access while having the protection of the liability waiver program.

Easy expense management and reporting tools.

Visa IntelliLink along with Online Advisory Workshops help businesses track and manage expenses.

Specialty business (vertical) cards.

Visa can work with you to customize your card products to help you target specific industries by providing incentives for small business owners within that industry.

Added security with the Visa Zero Liability Policy.*

Small businesses’ funds are automatically protected, so if their card is ever lost or stolen, small business owners won’t be responsible for unauthorized charges.

Provide more choices

and benefits.

What’s one of the best ways to motivate Visa Business customers to use their

card? Provide them with benefits that add control, save time, support cash-flow

management and simplify the way they manage their expenses. With Visa Business,

you have access to a wide range of solutions that can help you expand and

customize your product set to drive incremental spend.

* Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

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Optimize your

marketing efforts.

Visa has designed a comprehensive set of tools and services designed to help you get

the word out in new and innovative ways.

Resources and customizable materials on Visa Online.

Find product and service information, best practices and marketing materials available for customization and fulfillment at visaonline.com.

Desktop reporting with VisaVue® Online.

VisaVue Online is a subscription-based online tool that automatically gathers and aggregates an issuer's Visa card

transaction data and provides the issuer with easy-to-understand information about its cardholders, merchants and card activity.

Access to marketing assets with Visa Brand Online.

Visa offers brand information, customizable templates and messaging, along with access to the small business image library — right at your fingertips.

Special events and opportunities.

Visa represents issuers at high-profile industry events where personnel from financial institutions and small businesses get together to forge the path to greater success through education and advocacy. Visa has also formed relationships with small business organizations such as Small Business Development Centers (SBDC) nationwide to help your customers succeed.

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Always stay

in the know.

As an industry leader, Visa strives to stay on the forefront of customer research, providing

you with detailed findings and metrics, as well as expert consultation, to help you better

understand your small business customers and how best to reach them.

Proprietary Research for Small Business

Small Business Payment Panel

This one-of-a-kind behavioral study enables you to find out how small business owners are paying for their purchases so you can more effectively meet their needs.

Small Business Spend Insights Report

Get ongoing updates on small businesses’

spending confidence level with this quarterly report.

Small Business Research and Analysis

Gain further insight into small business owners with this repository of information on a variety of topics. Plus, access a vast collection of research and findings from various publications, studies and organizations all compiled into one place for a holistic look at small businesses.

Visa Branch Optimization Study

This white paper covers the 2013 study, which Visa initiated to help issuers better understand their branch card sales efforts. The results of the study identified a number of findings and best practices that are common across both credit and debit products, which will enable an issuer's product and retail banking groups to partner in developing and delivering strategies that optimize performance in the branch channel.