Investor Presentaiton

Banco Itaú: Credit cards are a major source of growth Credit card usage as % of family consumption 22% 20% 18% 16% 14% 12% 12% 14% 15% 17% 19% 21% 10% 2003 2004 2005 2006 2007 2008 Source: Central Bank of Brazil DYNAMO Administração de Recursos

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