<SEC-DOCUMENT>0001193125-24-064813.txt : 20240506
<SEC-HEADER>0001193125-24-064813.hdr.sgml : 20240506
<ACCEPTANCE-DATETIME>20240311161256
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0001193125-24-064813
CONFORMED SUBMISSION TYPE:	CORRESP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20240311

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			VISA INC.
		CENTRAL INDEX KEY:			0001403161
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-BUSINESS SERVICES, NEC [7389]
		ORGANIZATION NAME:           	07 Trade & Services
		IRS NUMBER:				260267673
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0930

	FILING VALUES:
		FORM TYPE:		CORRESP

	BUSINESS ADDRESS:	
		STREET 1:		P.O. BOX 8999
		CITY:			SAN FRANCISCO
		STATE:			CA
		ZIP:			94128-8999
		BUSINESS PHONE:		650-432-3200

	MAIL ADDRESS:	
		STREET 1:		P.O. BOX 8999
		CITY:			SAN FRANCISCO
		STATE:			CA
		ZIP:			94128-8999

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Visa Inc.
		DATE OF NAME CHANGE:	20070614
</SEC-HEADER>
<DOCUMENT>
<TYPE>CORRESP
<SEQUENCE>1
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 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">March&nbsp;11, 2024 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Alyssa Wall </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Donald Field </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Office of Trade and Services </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Division of Corporation Finance </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Securities and Exchange Commission </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">100 F Street NE </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Washington, DC 20549 </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top"><B>Re:</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>Visa Inc.</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>Registration Statement on Form <FONT
STYLE="white-space:nowrap">S-4</FONT></B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>Filed January&nbsp;29, 2024</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:ARIAL"><B>File <FONT STYLE="white-space:nowrap">No.&nbsp;333-276747</FONT></B></P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Ms.&nbsp;Wall and Mr.&nbsp;Field: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">In connection
with Visa Inc.&#146;s (&#147;Visa&#148; or the &#147;Company&#148;) registration statement on Form <FONT STYLE="white-space:nowrap">S-4</FONT> filed with the Securities and Exchange Commission (the &#147;Commission&#148; or the &#147;Staff&#148;) on
January&nbsp;29, 2024, we are writing in response to the Staff&#146;s comments as transmitted to Visa by letter dated February&nbsp;29, 2024 (the &#147;Comment Letter&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">In response to the comments set forth in the Comment Letter, the Company has revised the original registration statement on Form
<FONT STYLE="white-space:nowrap">S-4</FONT> and is filing an amendment No.&nbsp;1 thereto (the original registration statement, as so amended, the &#147;Registration Statement&#148;) together with this response letter. The Registration Statement and
certain exhibits thereto also contain certain additional updates and revisions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">For convenience, we have reprinted the Staff&#146;s comments below in bold, with
the corresponding response set forth immediately below the applicable comment. Page numbers cited in our responses refer to the applicable page in the Registration Statement. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B><U>Registration Statement on Form <FONT STYLE="white-space:nowrap">S-4</FONT> </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B><U>The Exchange Offer </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B><U>Procedures for Tendering <FONT
STYLE="white-space:nowrap">Class&nbsp;B-1</FONT> Common Stock, page 34 </U></B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>1.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:ARIAL; " ALIGN="left"><B>On page 34, you list certain representations and warranties that each tendering stockholder will make by signing the
Letter of Transmittal. Such representations and warranties include that &#147;such holder&#146;s participation in the Exchange Offer complied with the applicable laws of both the jurisdiction where such holder received the materials relating to the
Exchange Offer and the jurisdiction from which the tender of the <FONT STYLE="white-space:nowrap">Class&nbsp;B-1</FONT> common stock is being made&#148; and &#147;if such holder is a <FONT STYLE="white-space:nowrap">non-U.S.</FONT> person . . . such
holder&#146;s participation in the Exchange Offer is made pursuant to and in compliance with the applicable laws in the jurisdiction in which it is a resident or from which it is tendering shares of
<FONT STYLE="white-space:nowrap">Class&nbsp;B-1</FONT> common stock and in a manner that will not require Visa to take any action to qualify or otherwise facilitate a public offering in that country or otherwise.&#148; The requirement that tendering
stockholders make these representations and warranties operates as a disclaimer and an apparent condition on participation that is inconsistent with Exchange Act <FONT STYLE="white-space:nowrap">Rule&nbsp;13e-4(f)(8)(i).&nbsp;Please</FONT> revise or
advise.</B></P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL" ALIGN="center">1 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:ARIAL"><I><U>Response </U></I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:ARIAL">The Company acknowledges the Staff&#146;s comment and has revised the disclosure on pages&nbsp;20 and&nbsp;35 of the Registration Statement as well as in
the accompanying letter of election and transmittal (the &#147;Letter of Transmittal&#148;) to clarify that it intends to accept for exchange all validly tendered shares of its <FONT STYLE="white-space:nowrap">Class&nbsp;B-1</FONT> common stock from
all holders, wherever located. </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>2.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:ARIAL; " ALIGN="left"><B>Refer to the following statements made on page 35: &#147;Visa will determine in its sole and absolute discretion all
questions as to the validity, form and eligibility, including time of receipt, acceptance and withdrawal of tendered shares of <FONT STYLE="white-space:nowrap">Class&nbsp;B-1</FONT> common stock. . . . Visa&#146;s interpretation of the terms and
conditions of the Exchange Offer, including the instructions in the Letter of Transmittal, will be final and binding on all parties.&#148; Please revise these statements to include a qualifier that stockholders are not foreclosed from challenging
your determination in a court of competent jurisdiction. </B></P></TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:ARIAL"><I><U>Response </U></I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:ARIAL">The Company acknowledges the Staff&#146;s comment and has updated the disclosure on page&nbsp;36 of the Registration Statement to include this qualifier.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B><U>Conditions of the Exchange Offer, page 36 </U></B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>3.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:ARIAL; " ALIGN="left"><B>On page 37, you state that Visa may terminate the Exchange Offer if there shall have occurred any &#147;limitation on
prices for&#148; securities in U.S. financial markets. Please revise this condition to explain what is meant by a &#147;limitation on prices&#148; as used here, or delete. </B></P></TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:ARIAL"><I><U>Response </U></I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:ARIAL">The Company acknowledges the
Staff&#146;s comment and has deleted the phrase &#147;limitation on prices for&#148; on page&nbsp;38 of the Registration Statement. </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>4.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:ARIAL; " ALIGN="left"><B>On page 37, you have included a condition that will be triggered by &#147;a commencement or significant worsening of a
war or armed hostilities or other national or international calamity, </B><B><I>including but not limited to</I></B><B>, catastrophic terrorist attacks against the United States or its citizens&#148; (emphasis added). Given the ongoing international
hostilities which have impacted U.S. citizens, please revise to tailor this offer condition such that stockholders can understand its scope and such that it does not raise illusory offer concerns under Regulation 14E. </B></P></TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:ARIAL"><I><U>Response </U></I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:ARIAL">The Company acknowledges the
Staff&#146;s comment and has revised the disclosure on page&nbsp;38 of the Registration Statement to further specify the scope of the above-discussed Exchange Offer condition. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL" ALIGN="center">2 </P>

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<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>5.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:ARIAL; " ALIGN="left"><B>Refer to the following statements in the first full paragraph on page 38: &#147;If Visa fails at any time to exercise
any of the foregoing rights, this failure will not constitute a waiver of such right. Each such right will be deemed an ongoing right that Visa may assert </B><B><I>at any time or at various times</I></B><B> with respect to the Exchange Offer on or
prior to the expiration of the Exchange Offer&#148; (emphasis added).&nbsp;If an offer condition is &#147;triggered&#148; while an offer is pending, in our view, the offeror must promptly inform stockholders whether it will assert the condition and
terminate the offer, or waive it and continue.&nbsp;Reserving the right to waive a condition &#147;at any time or at various times&#148; may be inconsistent with your obligation in this regard.&nbsp;Please confirm in your response letter that you
will promptly notify target stockholders if a condition is triggered while the Exchange Offer is pending, as well as how you intend to proceed (i.e., waive the condition or terminate the Exchange Offer). </B></P></TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:ARIAL"><I><U>Response </U></I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:ARIAL">The Company acknowledges the
Staff&#146;s comment. The Company confirms that it will promptly provide notice to target stockholders upon becoming aware of the occurrence of any underlying event that, in Visa&#146;s reasonable judgment, would trigger a condition during the
pendency of the Exchange Offer, and it will inform the target stockholders of their withdrawal rights in such notice. However, because the impact and effect of such underlying event may not be known at the time of its occurrence, and such impact
could be influenced by subsequent events, the Company respectfully advises the Staff that it will reserve the discretion whether, at the time of such event, to declare that a condition has been triggered and how it intends to proceed. The Company
does not believe it is appropriate to immediately evaluate whether the occurrence of an underlying event has triggered a condition before all relevant information with respect to such event is known. Indeed, prematurely forcing the Company to make a
decision could lead to the Company abandoning the Exchange Offer only to learn of subsequent developments that abate the Company&#146;s concerns resulting in target stockholders being denied the benefit of the Exchange Offer. Consequently, the
Company respectfully seeks to reserve its right to waive or assert any condition that it has the authority to waive or assert at any time during the pendency of the Exchange Offer. We note that target stockholders&#146; withdrawal rights provide
them with full protection. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B><U>Material U.S. Federal Income Tax Consequences, page 56 </U></B></P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>6.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:ARIAL; " ALIGN="left"><B>On page 56, you indicate that this summary of the U.S. federal tax treatment of the Exchange Offer does not describe
&#147;all of the tax consequences that may be relevant to . . . holders subject to special rules, such as . . . financial institutions or financial service entities.&#148; Please revise this section to describe such special rules for financial
institutions given that the target stockholders are predominantly financial institutions. See Item 4 of Schedule TO and Item 1004(a)(1)(xii) of Regulation <FONT STYLE="white-space:nowrap">M-A.</FONT> </B></P></TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:ARIAL"><I><U>Response </U></I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:ARIAL">The Company acknowledges the
Staff&#146;s comment and has revised the disclosure on pages&nbsp;57 and 60 of the Registration Statement accordingly. </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>7.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:ARIAL; " ALIGN="left"><B>We note that the Exchange Offer is intended to constitute a &#147;recapitalization&#148; within the meaning of
Section&nbsp;368(a) of the Internal Revenue Code. Please file as an exhibit a tax opinion from counsel as appropriate and revise this section accordingly&nbsp;or tell us why you are not required to do so. Refer to Item 601(b)(8) of Regulation <FONT
STYLE="white-space:nowrap">S-K</FONT> and Section III.A of Staff Legal Bulletin No.&nbsp;19 for guidance. </B></P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL" ALIGN="center">3 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:ARIAL"><I><U>Response </U></I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:ARIAL">The Company acknowledges the Staff&#146;s comment and has revised the disclosure on page&nbsp;58 of the Registration Statement accordingly. Further, the
Company has filed a tax opinion from its special tax counsel as an exhibit to the Registration Statement. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B><U>Item</U><U>&#8201;</U><U>21. Exhibits and Financial
Statement Schedules, page <FONT STYLE="white-space:nowrap">II-3</FONT></U> </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>8.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:ARIAL; " ALIGN="left"><B>We note that Instruction 5 to the Letter of Transmittal filed as Exhibit 99.1 requires an exchanging stockholder to
mark the &#147;Notification of Backup Withholding&#148; box if they are subject to backup withholding. Additionally, the second paragraph of the section labeled &#147;Important Tax Information&#148; instructs a U.S. stockholder exempt from backup
withholding to check the &#147;Exempt payee&#148; line. The Substitute Form <FONT STYLE="white-space:nowrap">W-9</FONT> does not appear to contain the referenced &#147;Notification of Backup Withholding&#148; box or &#147;Exempt payee&#148; line.
Please revise or advise. </B></P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:ARIAL"><I><U>Response </U></I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:ARIAL">The Company acknowledges the Staff&#146;s comment and has revised the Letter of Transmittal accordingly. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL" ALIGN="center">*&#8195;&#8194;*&#8195;&#8194;* </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Visa acknowledges that: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Visa is responsible for the accuracy and adequacy of the disclosure in the filing; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">the Staff&#146;s comments or changes to the disclosure in response to the Staff&#146;s comments do not foreclose the
Commission from taking any action with respect to the filing; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Visa may not assert the Staff&#146;s comments as a defense in any proceeding initiated by the Commission or any person
under the federal securities laws of the United States. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">If you have any questions concerning the foregoing, please contact me at (650) <FONT
STYLE="white-space:nowrap">432-3773.</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Sincerely, </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="bottom"><U>/s/ Daniel Gordon</U></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="bottom">Daniel Gordon</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="bottom">SVP, Chief Counsel, Corporate Law</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="bottom">Visa Inc.</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="4%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="95%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="bottom">cc:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Ryan McInerney, Chief Executive Officer, Visa Inc.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Julie B. Rottenberg, Executive Vice President, General Counsel, Visa Inc.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:ARIAL">Joseph A. Hall, Davis Polk&nbsp;&amp; Wardwell LLP</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:ARIAL">John H. Runne, Davis Polk&nbsp;&amp; Wardwell LLP</P></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL" ALIGN="center">4 </P>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
