Banco Bradesco S.A. (the Bank) is a commercial bank. The Bank offers a range of banking and financial products and services in Brazil and abroad to individuals, companies and local and international corporations and institutions. Its products and services include banking operations, such as loans and advances and deposit-taking, credit card issuance, purchasing consortiums, insurance, leasing, payment collection and processing, pension plans, asset management and brokerage services. The Bank operates in two segments: banking and insurance. The banking segment includes a range of banking activities, serving individual and corporate customers in the investment banking, national and international banking operations, and asset management and consortium administration operations. The insurance segment covers auto, health, life, accident and property insurance and pension plans as well as capitalization bonds.