Departamento Banco Postal

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2 Institutional Film

3 Highlights of Banco Bradesco One of the Largest Latin American Private Bank 22nd Largest Bank in the World (Forbes Global 2000) The Largest Latin American Insurance Company Best Latin American Insurance Company (World Finance) Member of the Dow Jones Sustainability Index Total Assets: R$ 485,686 million (as of 09/30/2009) US$ 280,000 million Staff: 85,027 (as of 09/30/2009)

4 Client Segmentation Fast, specialized, high quality services delivered to clients grouped according to their income profile Individual Customers Companies Minimum investment of R$ 2 million 10 offices Bradesco Private Bradesco Corporate Groups with revenues over R$ 350 million/year 1,218 groups (11 Platforms) Net income over R$ 6,000 or investment over R$ 70, Branches Bradesco Prime Bradesco Empresa (Middle Market) Companies with revenues between R$30 million and R$ 350 million/year 12,184 economic groups (68 Branches) 20 million Customers Varejo Varejo Banco Postal 3,058 Branches 6,038 Branches

5 Distribution and Client Base Distribution Sep 09 Branches + PABs 4,613 Banco Postal 6,038 Bradesco Expresso 18,722 Bradesco Financiamentos Branches 64 Branches/Subsidiaries Abroad 11 ATM Outplaced Terminals 3,569 ATM Network 37,178 Distribution Total Client Base (million) Checking Account Holders Savings Account Holders (1) Insurance Group (2) Bradesco Financiamentos (1) Number of accounts (2) Number of Insurance Policies Sep million Customers Branches Bradesco Expresso Banco Postal

6 Market share 34,1% Correspondents Branches 21,5% 12,2% 9,5% 7,0% 5,2% 3,3% 2,8% 2,3% 1,3% 0,8% Bradesco CEF BB Lemon HSBC Itaú- Unibanco Banrisul Santander SICREDI Nossa Caixa Outros Source: Febraban

7 Banco Postal a history of success.

8 Public Partnership Banco Postal is the brand through which the Brazilian Postal Company- ECT Correios acts as Bradesco Correspondent, by offering financial products and services in almost all Brazil s municipalities.

9 Regulation Post offices Lottery kiosks Supermarkets Drugstores Basic banking services Department Stores Other retailers Correspondents Resolutions 3,110 and 3,156 of CMN (Brazilian Monetary Council) 45 million people without checking account

10 Public Partnership ECT services, equipment and employees infrastructure Bradesco investments: R$ 450 million.

11 Operating flow Photo Photo Image Postal Branches Photo Bradesco Branches Bradesco Matriz

12 Services offered Services rendered Sending of proposals to open checking accounts Withdrawals and deposits Bank statements and balances Sending of loan proposals Sending of credit card proposals Payment of bills Payment of taxes

13 Openings October / Branches São Francisco de Paula March/2002 First branch June/2002 1,000 Branches December/2003 4,000 Branches June/2004 5,000 Branches May/2007 5,690 Branches December/2002 2,500 Branches Fernando de Noronha September/2003 3,000 Branches 03/30/00 - Resolution 2,707 and 07/31/03 - Resolution 3,110

14 Customer service network Banco Postal operates in 5,160 of 5,564 Brazilian municipalities 3,396 branches 6,055 branches

15 Transactions at Correspondents Monthly volume of transactions Million 70,0 60,0 55,4 63,8 65,4 50,0 45,9 40,0 30,0 22,2 30,1 20,0 11,0 10,0 0,0 3,5 dec/02 dec/03 dec/04 dec/05 dec/06 dec/07 dec/08 Jul/09

16 Banking inclusion Municipalities deprived of bank services Before Banco Postal 2,351 municipalities were deprived of bank services million people (11% of Brazilian population). After Banco Postal 1,763 municipalities with units already inaugurated. 14 million people taking advantage of bank services. Foto interior Ag. Correos 358 municipalities deprived of banks and ECT branches.

17 Profile Gender 55% male 45% female + 60 years General 17% 16% 18 to 24 years Age Municipalities deprived of + 60 years bank services 33% 8% 18 to 24 years 40 to 60 years 27% 40% 30% 25 to 39 years 40 to 60 years 28% 25 to 39 years

18 Profile Clients income profile 93% earn income up to 3 minimum wages Renda % Up to 1 minimum wage (US$272) 1 to 3 minimum wages (US$816) More than 3 minimum wages 56% 37% 7% Income Up to 1 minimum wage 1 to 3 minimum wages More than 3 minimum wages

19 Social inclusion More than 88% of clients invest in savings account. 100% of clients have debit card. More than 16% of clients use checkbook. Around 10 million clients opened checking accounts. Payment to more than 1.7 million Social Security beneficiaries. Foto interior de la Agencia Foto interior de la Agencia Doresópolis - Minas Gerais Cachoeira do Arari - Pará

20 Breaking barriers In 75 municipalities, the only way of access is via boat, ferry, barge or airplane. Autazes - Amazonas 140 km away from Manaus branch (14 hours of boat)

21 Breaking barriers Anamã - Amazonas 7 hours of boat from Manacapuru branch

22 Breaking barriers Santa Rosa do Purus - Acre 500 km away from Rio Branco branch (access via airplane or boat)

23 Breaking barriers 405 municipalities are located 100 Km away from financial centers including banks. Most of roads are not paved. Foto camino de tierra Foto camino de tierra puente de madera Access to Salvaterra - Pará 150 km away from Ananindeua branch- Pará

24 Breaking barriers Nova Bandeirantes - Mato Grosso 220 km away from Alta Floresta branch

25 Breaking barriers Nova Bandeirantes - Mato Grosso 220 km away from Alta Floresta branch

26 Breaking through Jordão - Acre

27 Breaking through Bailique - AP

28 Breaking through Bailique - AP

29 Breaking through Bailique - AP

30 Breaking through Registry Office - Juca do Bailique Bailique - AP

31 Credit instrument R$ 350 million R$ 320 million More than 600,000 operations granted R$ 238 million R$ 28 million % Microcredit BNDS / Finame Rural credit Real estate loan

32 Example of success Autazes - AM Mrs. Maria do Rosário Ten loans took out at Banco Postal and invested in microsized companies. Ex-peddler, she bought 2 spaces at the Municipal Market and now is building her 3 rd house (for her and children).

33 Example of success Paunini - AM Mr. Raimundo Balbino da Costa R$1, loan acquired at Banco Postal was invested in his grocery store. Today, his trade, fully remodeled is one of the main outlets in the city.

34 Example of success Barra - BA José Maria Alves de Oliveira Through Banco Postal I was able to make my dream come true and own my vehicle to carry passengers. Currently, I carry passengers everyday between Buritirama- BA and Barra-BA, 100 km distance. Ticket price is R$ and thanks to this vehicle and Banco Postal, I m able to support my family"

35 Example of success Santana dos Montes - MG Mrs. Sílvia and Mrs. Lindinha Every month, Sílvia and Lindinha had to travel 85 km (round trip) to Lafaiete - MG to receive INSS (Social Security) benefit. They became tired of travelling and also had tickets and meals expenses. Actually, they spent almost all their money there. After the inauguration of Banco Postal in July 2007, everything changed. Now, they receive the payment in their city and are also able to save money.

36 Presence in all municipalities From small cities to big centers Foto externa de la Agencia Foto fachada de la Agencia Nova Iorque - Maranhão 689 accounts opened Alphaville - São Paulo 1,002 accounts opened

37 Presence in all municipalities From small municipalities to big centers Buenos Aires - Pernambuco 388 accounts opened Alameda Santos - São Paulo 2,260 accounts opened

38 Safety Usually, local governments and companies had to carry high amounts of cash to pay employees, that required a large security system, also involving the military police.

39 Safety With Correspondents, people......are able to gradually withdraw their salaries/benefits, reducing risk exposure;...have access to credit at regulated institution and no longer leave their money below the mattress. They are able to save money safely with earnings guarantee;

40 Safety Correspondents challenge is to encourage the utilization of electronic means of payment (credit and debit card) in replacement of paper money. This can be made by means of partnerships with card management and issuing companies, among others.

41 Final Considerations The Correspondent is a creative solution of BACEN that meets government s objectives and allows the market to positively react to the community s needs.

42 Highlights of Fundação Bradesco Investiments and Results Students 110,000 Schools 40 Investiment - last 10 years Investiment - in 2008 US$615,685 million US$128,367 million Passing index rate 95,9%

43 Film Bradesco Foundation

44 José Nivaldo Ferreira