Forward-looking statements include statements regarding Banco Daycoval’s intent, belief or current expectations or that of its directors or executive officers with respect to, but not limited to:

• general economic, political and business conditions in Brazil;
• Banco Daycoval ability to implement business strategies successfully, including the ability to (i) continue to expand its operations in both the loan for companies and the individual lending segments, (ii) continue to maintain the quality of the loan portfolio and (iii) continue to maintain the diversified nature of its clients and source of funding;
• the Company capitalization level;
• the market value of government-issued securities;
• an increase in loan defaults by Daycoval clients, as well as an increase in allowance for loan losses;
• credit risk, market risk and any other risks related to financing activities;
• competition in the Brazilian banking market;
• changes in the availability and cost of funding;
• prevailing inflation rates;
• appreciation or depreciation of the real and fluctuations in interest rates
• changes in Brazilian laws, regulations, taxation and governmental polices that relate to the Company activities;
• administrative and judicial proceedings involving Banco Daycoval;
• the other risk factors discussed under the caption “Risk factors”;
• other statements contained in this website regarding matters that are not historical facts.

Investors should understand that the above-mentioned factors, in addition to others discussed in this investor relations website, among others, could affect Banco Daycoval’s future results and could cause results to differ materially from those expressed in the forward-looking statements made in this website or files herein posted.

Forward-looking statements also include information concerning the Company’s possible or assumed future results of operations set forth under several sections in this investor relations website, as well as statements preceded by, followed by, or that include the words ‘‘believes,’’ ‘‘may,’’ ‘‘continues,’’ ‘‘expects,’’ ‘‘anticipates,’’ ‘‘intends,’’ ‘‘plans,’’ ‘‘estimates’’ or similar expressions.

Forward-looking statements are not guarantees of performance. They involve risks, uncertainties and assumptions because they relate to future events and therefore depend on circumstances that may or may not occur. Banco Daycoval’s future business, financial condition, results of operations, prospects, strategies, market share and shareholder values may differ materially from those expressed in or suggested by these forward-looking statements. Many of the factors that will determine these results and values are beyond the Company’s ability to control or predict.

Investors are cautioned not to put undue reliance on any forward-looking statements.