September Re: Changes to the Visa 401k Plan Investment Lineup. Dear Participant:

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1 September 2015 Re: Changes to the Visa 401k Plan Investment Lineup Dear Participant: The Visa Pension Benefits Committee ( Committee ) regularly reviews the investment options in the Visa 401k Plan ( Plan ) to help you meet your retirement and financial goals. As a result of a recent review, the Committee is making the following changes to your plan s investment lineup, which could have an impact on how your accounts are invested. The changes described on the following pages will take place on November 3, 2015 without any action required on your part. However, if you are not satisfied with how your current investment elections will be modified, you will have the opportunity to make changes. Go to the What Do I Need to Do? Section to learn more. Sincerely, Fidelity Investments

2 CHANGES TO THE VISA 401K PLAN Your New Investment Options When the market closes (generally 4 p.m. Eastern time) on November 3, 2015, the following investment options will be added to the investment lineup. Please see the Investment Option Descriptions section of this letter for more details. Vanguard Value Index Vanguard Institutional Target Retirement Income Vanguard Institutional Target Retirement 2010 Vanguard Institutional Target Retirement 2015 Vanguard Institutional Target Retirement 2020 Vanguard Institutional Target Retirement 2025 Vanguard Institutional Target Retirement 2030 Vanguard Institutional Target Retirement 2035 Vanguard Institutional Target Retirement 2040 Vanguard Institutional Target Retirement 2045 Vanguard Institutional Target Retirement 2050 Vanguard Institutional Target Retirement 2055 Vanguard Institutional Target Retirement 2060 Investment Options Being Removed When the market closes (generally 4p.m. Eastern time) on November 3, 2015, several investment options offered through the Visa 401k Plan will no longer be available. As a result, all existing balances and future contributions will be transferred to the new investment options. See the following chart for details. The transfer of balances will appear as an exchange on your account history and quarterly statement. You may also receive a prospectus as a result of this transaction. Old Investment Options T. Rowe Price Equity Income Fund Ticker Symbol: PRFDX Expense Ratio: 0.66% New Investment Options Vanguard Value Index Ticker Symbol: VIVIX Expense Ratio: 0.08% Vanguard Target Retirement Income Fund Investor Ticker Symbol: VTINX Expense Ratio: 0.16% Vanguard Institutional Target Retirement Income Ticker Symbol: VITRX Vanguard Target Retirement 2010 Fund Investor Ticker Symbol: VTENX Expense Ratio: 0.16% Vanguard Institutional Target Retirement 2010 Ticker Symbol: VIRTX

3 Vanguard Target Retirement 2015 Fund Investor Ticker Symbol: VTXVX Expense Ratio: 0.16% Vanguard Institutional Target Retirement 2015 Ticker Symbol: VITVX Vanguard Target Retirement 2020 Fund Investor Ticker Symbol: VTWNX Expense Ratio: 0.16% Vanguard Institutional Target Retirement 2020 Ticker Symbol: VITWX Vanguard Target Retirement 2025 Fund Investor Ticker Symbol: VTTVX Expense Ratio: 0.17% Vanguard Institutional Target Retirement 2025 Ticker Symbol: VRIVX Vanguard Target Retirement 2030 Fund Investor Ticker Symbol: VTHRX Expense Ratio: 0.17% Vanguard Institutional Target Retirement 2030 Ticker Symbol: VTTWX Vanguard Target Retirement 2035 Fund Investor Ticker Symbol: VTTHX Vanguard Institutional Target Retirement 2035 Ticker Symbol: VITFX Vanguard Target Retirement 2040 Fund Investor Ticker Symbol: VFORX Vanguard Institutional Target Retirement 2040 Ticker Symbol: VIRSX Vanguard Target Retirement 2045 Fund Investor Ticker Symbol: VTIVX Vanguard Institutional Target Retirement 2045 Ticker Symbol: VITLX Vanguard Target Retirement 2050 Fund Investor Ticker Symbol: VFIFX Vanguard Institutional Target Retirement 2050 Ticker Symbol: VTRLX Vanguard Target Retirement 2055 Fund Investor Ticker Symbol: VFFVX Vanguard Institutional Target Retirement 2055 Ticker Symbol: VIVLX Vanguard Target Retirement 2060 Fund Investor Ticker Symbol: VTTSX Vanguard Institutional Target Retirement 2060 Ticker Symbol: VILVX Expense ratio information as of 09/15/15.

4 What Do I Need to Do? If you are satisfied with how your current investment elections will be modified, as shown previously, no action is required on your part. Visa has worked carefully to move the existing balances and future contributions to investment options that it believes have the most similar investment objectives. However, if you do not want these changes to take place, you must contact Fidelity Investments and complete a change of investments. Log on to Fidelity NetBenefits at or call , Monday through Friday (excluding New York Stock Exchange holidays) between 8:30 a.m. and 8:00 p.m. in your time zone. Visa Default Fund If you have not already made an investment election decision, we encourage you to review the investment options available to you. However, if no elections are made, Visa has directed Fidelity to invest your future contributions in a Vanguard Institutional Target Retirement Fund based on your current age and assuming a retirement age of 65. Descriptions of the funds are on the following pages. Go Paperless Tired of mailbox clutter? You can significantly reduce paper mail by providing us your address and updating your mail preferences to electronic delivery. Log on to Fidelity NetBenefits at and go to Your Profile. Investment Option Descriptions Vanguard Institutional Target Retirement 2010 VIRTX The targeted percentage of the fund's assets allocated to each of the underlying funds is: Vanguard Total Bond Market II Index Fund 34.4%; Vanguard Total Stock Market Index Fund 22.3%; Vanguard Total International Stock Index Fund 14.8%; Vanguard Total International Bond Index Fund 14.8%; Vanguard Short-Term Inflation-Protected Securities Index Fund 13.7%. Target date funds are designed for investors expecting to retire around the year indicated in each fund's name. The funds are managed to gradually become more conservative over time as they approach their target date. The investment risk of each target date fund changes over time as its asset allocation changes. They are subject to the volatility of the financial markets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. Additional risk information for this product may be found in the prospectus or other product materials, if available. Someone who is seeking an investment option intended for people in or very near retirement and who is willing to accept the volatility of diversified investments in the market.

5 Vanguard Institutional Target Retirement 2015 VITVX The targeted percentage of the fund's assets allocated to each of the underlying funds is: Vanguard Total Stock Market Index Fund 30.6%; Vanguard Total Bond Market II Index Fund 29.3%; Vanguard Total International Stock Index Fund 20.4%; Vanguard Total International Bond Index Fund 12.5%; Vanguard Short-Term Inflation-Protected Securities Index Fund 7.2%. Someone who is seeking an investment option intended for people in or very near retirement and who is willing to accept the volatility of diversified investments in the market. Vanguard Institutional Target Retirement 2020 VITWX 2020 (the target year). The targeted percentage of the fund's assets allocated to each of the underlying funds is: Vanguard Total Stock Market Index Fund 36.4%; Vanguard Total Bond Market II Index Fund 27.5%; Vanguard Total International Stock Index Fund 24.3%; Vanguard Total International Bond Index Fund 11.8%.

6 Vanguard Institutional Target Retirement 2025 VRIVX 2025 (the target year). The targeted percentage of the fund's assets allocated to each of the underlying funds is: Vanguard Total Stock Market Index Fund 40.9%; Vanguard Total International Stock Index Fund 27.3%; Vanguard Total Bond Market II Index Fund 22.3%; Vanguard Total International Bond Index Fund 9.5%. Vanguard Institutional Target Retirement 2030 VTTWX 2030 (the target year). The targeted percentage of the fund's assets allocated to each of the underlying funds is: Vanguard Total Stock Market Index Fund 45.4%; Vanguard Total International Stock Index Fund 30.3%; Vanguard Total Bond Market II Index Fund 17.0%; Vanguard Total International Bond Index Fund 7.3%.

7 Vanguard Institutional Target Retirement 2035 VITFX 2035 (the target year). The targeted percentage of the fund's assets allocated to each of the underlying funds is: Vanguard Total Stock Market Index Fund 50.0%; Vanguard Total International Stock Index Fund 33.3%; Vanguard Total Bond Market II Index Fund 11.7%; Vanguard Total International Bond Index Fund 5.0%. Vanguard Institutional Target Retirement 2040 VIRSX 2040 (the target year). The targeted percentage of the fund's assets allocated to each of the underlying funds is: Vanguard Total Stock Market Index Fund 54.0%; Vanguard Total International Stock Index Fund 36.0%; Vanguard Total Bond Market II Index Fund 7.0%; Vanguard Total International Bond Index Fund 3.0%.

8 Vanguard Institutional Target Retirement 2045 VITLX 2045 (the target year). The targeted percentage of the fund's assets allocated to each of the underlying funds is: Vanguard Total Stock Market Index Fund 54.0%; Vanguard Total International Stock Index Fund 36.0%; Vanguard Total Bond Market II Index Fund 7.0%; Vanguard Total International Bond Index Fund 3.0%. Vanguard Institutional Target Retirement 2050 VTRLX 2050 (the target year). The targeted percentage of the fund's assets allocated to each of the underlying funds is: Vanguard Total Stock Market Index Fund 54.0%; Vanguard Total International Stock Index Fund 36.0%; Vanguard Total Bond Market II Index Fund 7.0%; Vanguard Total International Bond Index Fund 3.0%. Vanguard Institutional Target Retirement 2055

9 VIVLX 2055 (the target year). The targeted percentage of the fund's assets allocated to each of the underlying funds is: Vanguard Total Stock Market Index Fund 54.0%; Vanguard Total International Stock Index Fund 36.0%; Vanguard Total Bond Market II Index Fund 7.0%; Vanguard Total International Bond Index Fund 3.0%. Vanguard Institutional Target Retirement 2060 VILVX 2060 (the target year). The targeted percentage of the fund's assets allocated to each of the underlying funds is: Vanguard Total Stock Market Index Fund 54.0%; Vanguard Total International Stock Index Fund 36.0%; Vanguard Total Bond Market II Index Fund 7.0%; Vanguard Total International Bond Index Fund 3.0%.

10 Vanguard Institutional Target Retirement Income VITRX The investment seeks to provide current income and some capital appreciation. designed for investors currently in retirement. The targeted percentage of the fund's assets allocated to each of the underlying funds is: Vanguard Total Bond Market II Index Fund 37.2%; Vanguard Total Stock Market Index Fund 18.0%; Vanguard Short-Term Inflation- Protected Securities Index Fund 16.8%; Vanguard Total International Bond Index Fund 16.0%; Vanguard Total International Stock Index Fund 12.0%. The fund is subject to the volatility of the financial markets, including that of equity and fixed income investments. Fixed income investments carry issuer default and credit risk, inflation risk, and interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Principal invested is not guaranteed at any time, including at or after retirement. Additional risk information for this product may be found in the Someone who is seeking an investment option intended for people in retirement and who is willing to accept the volatility of diversified investments in the market. one investment option and looking primarily for the potential for income and, secondarily, for share-price appreciation. Vanguard Value Index VIVIX The investment seeks to track the performance of a benchmark index that measures the investment return of large-capitalization value stocks. The fund employs an indexing investment approach designed to track the performance of the CRSP US Large Cap Value Index, a broadly diversified index predominantly made up of value stocks of large U.S. companies. The advisor attempts to replicate the target index by investing all, or substantially all, of its assets in the stocks that make up the index, holding each stock in approximately the same proportion as its weighting in the index. Value stocks can perform differently than other types of stocks and can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Additional risk information for this product may be found in the prospectus or other product materials, if available. Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income. Someone who is comfortable with the volatility of large-cap stocks and value-style investments. A mutual fund registered under Vanguard Index Funds, and managed by Vanguard Group, Inc. This description is only intended to provide a brief overview of the fund. Read the fund's prospectus for more detailed information about the fund. The CRSP US Large Cap Value Index includes U.S. companies that comprise the top 85% of investable market capitalization. It includes both Mid and Mega capitalization. CRSP classifies value securities using the following factors: book to price, forward earnings to price, historic earnings to price, dividend-to-price ratio and sales-to-price ratio. Except for Life of Fund returns, the analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 07/02/1998. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 11/02/1992, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself.

11 Before investing in any fund, consider the investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully. For a mutual fund, the expense ratio is the total annual fund or class operating expenses (before waivers or reimbursements) paid by the fund and stated as a percentage of the fund's total net assets. Expense ratios change periodically and are drawn from the fund s prospectus. For more detailed fee information, see the fund prospectus or annual or semiannual reports. Guidance provided is educational. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI FMR LLC. All rights reserved

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