A BRAZILIANCOMPANY

Specialised in investingin distressed assets

DISTRESSED?

Loans which the borrower has

entered into DEFAULT

A WIN-WIN BUSINESSA company whose philosophy, with each deal,

is always to generate value for its...

CLIENTSLenders & Borrowers

SHAREHOLDERS

BRD BUYS DISTRESSED ASSETS FROM CREDITORS

Financial InstitutionsPrivate and state-owned banks, national or foreign, and leasing companies

InvestorsLocal and offshore funds and Individuals

Suppliers & Other Assignors Credit receivables under dispute or not (“Chapter 11”, debt consolidations, judicial settlements and other legal rights)

RELIEVING OUR CLIENTSOF DISTRESSED ASSETS

and allowing them to focus on their core activity

A WIN-WIN BUSINESSA company whose philosophy, with each deal,

is always to generate value for its...

CLIENTSLenders & Borrowers

SHAREHOLDERS

We purchase

and focus on renegotiationCREDITS AT A DISCOUNT

The essence of BrDMANAGEMENT & SPECIALISED DEBT COLLECTION

BrD HAS ACQUIRED ASSETS IN THESE SECTORS◘ Agribusiness | including Supplies, Food &

Beverage and Tobacco◘ Retail & Wholesale | including Fuel◘ Services | Financial Institutions,

Hotels, Tourism, Education and Health◘ Building and Infrastructure | including

Energy, Transport e Logistics◘ Mining and Steel◘ Machinery, Equipment and Electronics◘ Vehicles and Auto parts◘ Paper and Cellulose | Packaging◘ Textile, Clothing and shoes

A WIN-WIN BUSINESSA company whose philosophy, with each deal,

is always to generate value for its...

CLIENTSLenders & Borrowers

SHAREHOLDERS

BORROWERS

Our goal is to find a solution

What happened before is history

What I have done does not interest me. I only think about what I have not yet achieved.

Pablo Picasso

REACHING AN AGREEMENTA NEGOCIATION MIGHT INCLUDE, AMONG OTHER POSSIBILITIES:◘ Discount to face value◘ Exchange for other assets◘ Exchange for rights that a borrower holds◘ Resale of credit

Of course there is conflictWE UPHOLD OUR INTERESTS

WE UPHOLD OUR PRINCIPLESBut, above all...

◘ Generate the best results $$ possible

PRINCIPLESUPHELD

◘ Non-negotiable respect for ethics | We operate

under international Corporate Governance and

Sustainability best practices

◘ Compliance | We abide by Brazilian laws and social obligations

José Guilherme Lembi de FariaFounding PartnerBradesco

Executive & Statutory Director

Fundação BradescoBoard Member

EconomistUniversidade Federal Fluminense

PRINCIPLES UPHELD ANDGAINED FROM OUR BACKGROUNDS

Carlos H. A. R. Catraio Founding Partner

Bank of AmericaOfficer

ItaúStatutory Director

BPN BrasilCEO

Business AdministrationUFRJ - INSEAD

PRINCIPLES UPHELD ANDGAINED FROM OUR BACKGROUNDS

WE SEE VALUEWHERE OTHERSSEE PROBLEMS

Generating results for...

◘ Lenders◘ Borrowers◘ BrD

jun11

28.6

dec11

129.9

jun12

227.2

dec12

337.1

BrD IN NUMBERS

Cumulative face value of deals in which BrD acted as assignee or assignor*

• in R$ millions

BRASIL DISTRESSED CONSULTORIA EMPRESARIAL LTDA.

www.brd.net.br

“All information contained herein is merely informative and therefore does not bind Brasil-Distressed Consultoria Empresarial Ltda., nor any of its shareholders, employees or successors, until each situation has been examined in its own right and a service agreement established. The information herein might not reflect the opinion of Brasil-Distressed Consultoria Empresarial Ltda., which may

publish it to promote its activities and clients but is not intended to obtain funds from third parties.An exchange of messages does not bind Brasil-Distressed Consultoria Empresarial Ltda. to the recipient or sender of said message until an agreement regarding the scope of activity has been signed.”