A B A N K FO R O U R R E G I O N

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3 A B A N K FO R O U R R E G I O N Launched in March 2009, Banco Gerador believes in the potential of the people of Northeast Brazil, with whom the bank has been developing rapidly. The Bank is writing its success story through enthusiasm for the newfound prosperity of both al* Consultancy focusing on the fastest-growing cities in 2025 is further evidence of Gerador s philosophy: among the 600 cities shortlisted, there are 6 state capitals located in Northeast Brazil. The Bank s positioning has enabled it to attain the highest percentage growth among Brazilian banks over the last year and a half. This achievement is the result of rapid service and the fact that Gerador is the only bank specialised in the North and Northeast regions, with a portfolio of products and services catering for local businesses and individuals. In order to consolidate the institution s performance, Banco Gerador has acquired the trusted Banorte brand, further strengthening the Bank s credibility in the market. And thanks to its in-depth knowledge of the region, Banco Gerador is unique customer support. *Source: Consultoria McKinsey Global, 2011.

4 R E D E B A N O R T E M AT R I Z In April 2011, Banco Gerador s shareholders acquired Rede Matriz, which is now called Rede Banorte and is the largest multi-service network in Northern/Northeastern Brazil. There are more than 100 shops in Pernambuco, Paraíba and Bahia, which have enhanced the bank s product and service distribution network. The network s stores offer services such as bill payments, pre-paid mobile phone recharging, credit card applications, insurance and loans. Rede Banorte serves an average of 800,000 customers and receives some 1.8 million bills each month, for an annual movement adding up to more than R$ 2 billion.

5 M A R K E T P O T E N T I A L Number of bank accounts per major region: None Yes, for less than 1 year Yes, 1 to 5 years Yes, more than 5 years BRAZIL 39,5 5, ,1 SOUTH SOUTHEAST NORTHEAST NORTH CENTRAL WEST 30 5,9 47, ,1 5, ,8 52,6 3 29,6 14,8 50 8,8 23,9 17,3 31,1 7,2 37,7 24 The analysis of the data reveals regional inequalities. While in the more economically developed regions more than 60% of the population has been included in the banking system, only about half of the populations living in less developed regions (Northeast and North) are represented in it. Source: IPEA: SIPS, 2010.

6 R AT I N G S Banco Gerador is rated by the three Rating agencies and has obtained these scores: BBB Index level 7,74 (Maximum of 12) brb+ July/2014 July/2014 Polo Consignados FIDC II braaa bra (senior quotas) (subordinated quotas)

7 A D VA N TA G E S Expertise and local decision-making power. Shareholders with business background and successful records. Extensive Experience in the markets of North and Northeast Brazil, and supplementary skills. The only Strategic location and knowledge of local market enable the provision of tailor-made

8 S O C I A L R E S P O N S I B I L I T Y The Associação Arte e Vida was founded in 2000 with the aim of providing supplementary education programmes for children and teenagers in the communities of Coque, Santo Amaro and Pilar, in the city of Recife. The initiative runs art workshops, sports events and lessons on citizenship as well as health services, such as counselling, dental care, speech therapy and hygiene to about 100 youngsters from 7 to 17 years of age. It also nded to raise awareness of citizens rights. The activities also include dance, music, literature, visual arts and drama, as well as regular visits to museums, theatres and exhibitions. These help the youngsters develop notions of citizenship that are built up through their participation in arts activities and by learning new cultural values. Banco Gerador is one of the sponsors of Associação Arte e Vida. Find out more about ASSOCIAÇÃO ARTE E VIDA: Address: Rua Fernandes Vieira, 303 Boa Vista, Recife, PE - Brazil CEP Phone:

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10 B A N O R T E A M I G O M I C R O C R E D I T Banorte Amigo is a product for which there is a great market opportunity as it is aimed at small traders who work nearby the Rede Banorte stores and have limited access to credit due to being on the informal labor market, such as, among others, ribbon makers, newsstand owners, street vendors and artisans. Granting them credit may even help these entrepreneurs soon establish formal businesses.

11 C O R P O R AT E C R E D I T companies, providing corporate credit solutions tailor-made to Banco Gerador an effective partner for Banco Gerador s business model enables the bank to get closer to its clients and make rapid decisions. This is another important tool offered by Banco Gerador to support business growth and contribute to local development. Working capital Banco Gerador has special credit lines for working capital, off companies. Working capital management is thus optimised, with quick operation and authorization, competitive fees and payment options, so you ll have the peace of mind and security to enable your business to grow continuously.

12 P E R S O N A L C R E D I T Banco Gerador offers tailor-made solutions to those who need personal credit. Employees of public or private enterprises accredited by Banco Gerador can rely on credit provided under very attractive conditions. Payroll Loan The Banco Gerador payroll loan scheme is a simple and advantageous way of obtaining credit, with payments being deducted from the borrowers payroll. Through this mechanism clients can enjoy substantially lower interest rates and up to 58 months to pay all without compromising income, as monthly payments are limited to 30% of the salary. Payroll Credit Card Geracard and Banorte VISA are payroll credit cards available exclusively to employees working in institutions accredited by Banco Gerador. These cards offer nual fee and a free additional card.

13 P E R S O N A L C R E D I T Banorte VISA Card Banorte VISA is an open credit card that provides the customer with all of million business establishments nationwide. It is easy to apply for at any of the upwards of 100 Rede Banorte Matriz shops. Banorte Livre Card Banorte Livre is a prepaid card that is perfect for those who want to have more control over their daily expenses or require the convenience of receiving payments via bank deposits. It ensures the customer more safety and agility in terms of taking care of their money. The card is rechargeable and accepted for purchases at thousands of businesses that take MasterCard. A major advantage it offers is that it is the customer him or herself who determines the card s limit, a fact that affords them even greater control over their spending.

14 P E R S O N A L C R E D I T Sport Banorte Card Sport Banorte VISA is an international credit card that is aggregated to Sport Club do Recife s membership card. With the Sport Banorte VISA card it is possible to turn the club s membership card into a card with varied credit limits and a differentiated assistance network abroad.

15 I N V E S T M E N T B A N K The Investment Division of Banco Gerador - BI performs as a provider of world-class h, strategy and expertise, Banco Gerador s Investment Bank is the best business platform in Northeastern Brazil. Our Services Private Placements - Corporate debt and credit market - Equity investment sales Mergers and acquisitions Joint Ventures Private Equity and special situations

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17 F I G U R E S Portfolio makeup By Region strong own origination 7% 1% 3% 27% 20% 13% 10% 7% 76% 7% 1% 28% Northeast North Central West Data from June/2013. Southeast South Federal Public/INSS Payroll Loans (own origination) Private Payroll Loans (own origination) Municipal/State Public Payroll Loans Microcredit Banorte Amigo Credit Cards Legal Entity Credit - Small businesses (up to R$20 million in revenue) Legal Entity Credit - Mid-sized businesses (above R$20 million in revenue)

18 C L I E N T P R O F I L E Income Education 65% 71% 14% 21% 2% 11% 6% 5% 5% Up to 2 Minimum Wages Between 2 and 3 Minimum Wages Over 3 Minimum Wages Up to 4th grade 5th to 8th grade High School (complete) High School (incomplete) Undergraduate Graduate Data from June/2013.

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20 P R O D U C T S A N D S E R V I C E S RANGE OF PRODUCTS AND SERVICES: Bills, tax, fee, and bank slip payments Payroll loans: Social Security, State, and Municipal Private payroll loans Private payroll card Banorte Amigo Microcredit Banorte VISA Credit Card Banorte Dental Mobile phone recharging Micro insurance Receipt of taxes Pague Tranquilo Troco Premiado PRODUCTS TO BE IMPLEMENTED: Receipt of bills via the Banorte VISA Card Airline ticket sales Insurance sales Consortia Auto financing

21 Alagoinha S T O R E S ' D I S T R I B U T I O N PARAÍBA Rede Banorte is coming to Paraíba and is already present in 4 municipalities, serving a population of 888,949 inhabitants (23 percent the State s total). CATOLÉ DO ROCHA BOM SUCESSO SÃO BENTO NOVA FLORESTA TRIUNFO UIRAÚNA VIEIRÓPOLIS LASTRO SÃO FRANCISCO PAULISTA CUITÉ BELÉM CAIÇARA LAGOA DE DENTRO JACARAÚ BAIA DA TRAIÇÃO SOSSEGO BANANEIRAS MAMANGUAPE SÃO JOÃO DO RIO DO PEIXE MARIZÓPOLIS SOUZA APARECIDA POMBAL VÁRZEA SÃO JOSÉ DO SABUGI PEDRA LAVRADA CUBATI BARRA DE SANTA ROSA ARARA SOLANEA BORBOREMA PIRPIRITUBA GUARABIRA ARACAGI ITAPOROROCA RIO TINTO CONDADO SANTA LUZIA REMIGIO LUCENA Ipubi Exu Moreilândia CACHOEIRA DOS ÍNDIOS CAJAZEIRAS SÃO JOSÉ DAS PIRANHAS NAZAREZINHO ITAPORANGA PEDRA BRANCA COREMAS PIANCÓ OLHO D ÁGUA CATINGUEIRA ÁGUA BRANCA Solidão Santa Terezinha Tabira PATOS Brejinho TEIXEIRA São José do Egito SÃO MAMEDE DESTERRO DE MALTA Itapetim SALGADINHO TAPEROÁ JUNCO DO SERIDÓ JUAZEIRINHO SOLEDADE CABACEIRAS BOA VISTA BOQUEIRÃO POCINHOS CAMPINA GRANDE ESPERANÇA AREIAL MONTADAS LAGOA SECA FAGUNDES AREIA AROEIRAS INGA ITATUBA São Vicente Ferrer NATUBA MOGEIRO SALGADO DE SÃO FÉLIX MULUNGU GURINHEM Macaparana BRANDÃO CALDAS MARI ITABAIANA PILAR SAPÉ JURIPIRANGA Timbaúba Camutanga CRUZ DO ESPIRITO SANTO Ferreiros SANTA RITA BAYEUX ALHANDRA CAAPORÃ Itambé CABEDELO JOÃO PESSOA CONDE Afrânio Araripina Santa Filomena Dormentes Petrolina Trindade Ouricuri Santa Cruz Lagoa Grande Bodocó Santa Maria da Boa Vista Granito Parnamirim Orocó Serrita Terra Nova Cabrobó Cedro Salgueiro Verdejante Belém de São Francisco São José do Belmonte Mirandiba Carnaubeira da Penha Itacuruba PERNAMBUCO Serra Talhada MANAÍRA Floresta Petrolândia Santa Cruz da Baixa Verde Jatobá Triunfo Calumbi Tacaratu TAVARES Betânia Quixaba Flores Inajá Carnaíba Afogados da Ingazeira Custódia Ibimirim Manari Afogados da Ingazeira Iguaraci Tuparetama Sertânia Tupanatinga Itaíba Buíque MONTEIRO Águas Belas Arcoverde Pedra Venturosa Iati CAMALAU Poção Pesqueira Saloá Quipapá Caetés Paranatama COXIXOLA Jataúba Sanharó Capoeiras Terezinha Bom Conselho São Bento do Una Jucati Garanhuns Brejão Lagoa do Ouro São Benedito do Sul Santa Cruz do Capibaribe Jupi Maraial Brejo da Madre de Deus Belo Jardim Tacaimbó Cachoeirinha Calçado São João Jaqueira Lajedo São Caitano Altinho Agrestina Ibirajuba Cupira Panelas Angelim Palmerina Correntes Belém de Maria Xexéu Taquaritinga do Norte Catende Toritama Jurema Canhotinho Palmares Joaquim Nabuco Vertentes Caruaru Cortês Água Preta Santa Maria do Cambuca Frei Miguelinho Riacho das Almas Vertente do Lério Orobó Casinhas Bezerros Lagoa dos Gatos Surubim São Joaquim do Monte Amaraji UMBUZEIRO Cumbaru Camocim São Félix Chã Grande Gameleira Sairé Bonito Primavera Ribeirão Salgadinho Tamandaré Barreiros Bom Jardim João Alfredo Passira Machados Gravatá Barra de Guabiraba Limoeiro Vitória de Santo Antão Escada Rio Formoso Feira Nova Pombos Sirinhaém Vicência Buenos Aires Carpina Lagoa do Carro Lagoa da Itaenga Glória do Goitá Chã de Alegria Condado Nazaré da Mata Tracunhaém Paudalho Moreno São Lourenço da Mata Ipojuca Araçoiaba Cabo de Santo Agostinho Aliança Itaquitinga Abreu e Lima Camaragibe Jaboatão dos Guararapes Igarassu Recife Goiana Itapissuma Paulista Olinda Itamaracá Rede Banorte has operations in 44 of the 185 Pernambuco municipalities, serving a population of 5,886,955 inhabitants (66 percent the State s total). São José da Coroa Grande

22 Banco Gerador S.A. Av. Gov. Agamenon Magalhães, 4575, 7º andar Empresarial Nassau Paissandu, Recife - PE CEP Phone: Fax: