<sup>3</sup>This includes our core processing activities, such as authorization, clearing, and settlement of transactions and tokenization.</p> <p> </p> </dd> <dt> Visa Advertising Solutions (VAS) </dt> <dd> <p>In the United States, Visa enhances and uses Card Transaction Data for VAS, a suite of aggregated data products that enable our clients to improve their marketing efforts, such as to measure the effectiveness of their advertising campaigns, or identify audiences for their campaigns. The VAS products do not disclose personal information.