Below is a pyramid illustrating Unibanco's segmentation strategy for individuals (right side) and corporate clients (left side):

Unibanco has, since the early '90s, adopted a segmented approach to client services, offering tailor-made, differentiated products and services.

Individuals are segmented into different groups: those earning more than R$4,000 per month (UniClass) and those whose earnings are between R$350 and R$4,000 per month (Exclusivo).

Through Unibanco Private Bank, we provide wealth management services targeted to high net worth individuals with potential investment portfolios over R$3 million.

We have developed a strong presence in the consumer finance sector through our subsidiaries Fininvest, Unicard, HiperCard and Dibens and our strategic alliances with Magazine Luiza, or LuizaCred, Ponto Frio, or PontoCred.

We also serve small and medium companies with annual sales of up to R$150 million, or SMEs, consisting primarily of retailers. For companies with annual sales up to R$10 million, we offer products and services through branch account officers that are dedicated to this group.

Companies with annual sales ranging from R$10 million to R$150 million, which tend to require customized products and services, are served by Unibanco Empresas, a separate group of account representatives.

Companies with sales greater than R$150 million are served by the Wholesale segment. Loans to large customers may be collateralized according to the guidelines of our internal credit rating system.