SuStainability report - SocialFunds.com

Banking InclusionWe always practice the “open door”policy, which is committed to servingeveryone without discrimination. Wehave endeavored to promote bankinginclusion for people who were excludedfrom the traditional financial systemand democratize banking productsand services.In order to support this inclusion process,we rely on an extensive network ofservice stations, besides those operatingas correspondent banks (Banco Postaland Bradesco Expresso), directly andindirectly benefiting millions of peoplewho were excluded from the financialsystem. In several municipalities wherethe Bank is present through its networkof correspondent banks, the only meansof access were via boat, ferry, bargeor plane, creating difficulties for thepopulation to pay bills and receive socialsecurity benefits (INSS). Travel time andcosts absorbed a signification portion ofthe population’s income.The banking inclusion process may alsostart at early age. With the launch ofClick Conta Bradesco in October 2008,young people between 12 and 17 yearsof age with their parents’ approval couldapply for a checking account and receivefinancial education orientation, runsimulations and receive a debit card that ispractical and secure (personal password).Building customer loyalty andmonitoring their development are partof our strategy.Customer Service NetworkBradesco’s Network is present throughoutthe country and is available to customersand non-customers alike. It is composedof 10,561 Bradesco service stationsand 27,622 third party service stations(1,313 stations integrated with theBanco24Horas network). In 2008, 197Branches were opened – 171 in Retail –further increasing our extensive Network.Service stations present in almostall Brazilian municipalities are alsoinstalled in communities where not solong ago the population had no accessto the banking system and in locationswhere these services were insufficientto provide for the potential bankinginclusion of the community.In addition to the traditional BranchNetwork, we also have Banco Postal(in partnership with the BrazilianPostal Service – Correios), with 5,946Branches as of 2008.We also have Bradesco Expresso insupermarkets, drugstores, retail stores,department stores and other types ofestablishments. There are more than 16thousand service stations throughoutthe country serving millions ofpeople, with approximately 20 milliontransactions per month.The Bank is also present in othercountries, such as Argentina, Japan,the United Kingdom, Luxembourg andthe United States through Branchesand Subsidiaries, with the chiefobjective of obtaining resources in theLearn more about our Customerv Service Network at www.bradesco.com.br Rede de Atendimento(Customer Service Network)