Company: BBD
Filing Date: 2025-05-30
Form Type: 6-K
Source: 0001292814-25-002283
Chunk: 56

Company: BANK BRADESCO
Filing Date: 2025-05-30
Form: 6-K
Chunk 56
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/23 and BCB Resolution No. 365/23 impose limits on the interest rate on the financing of the debit balance of
the credit card invoice and determine rules on the portability of credit card financing, as well as regulating certain information to
be disclosed to credit card clients.

Overdraft

In April
2018, the Self-Regulation Council of the FEBRABAN – Federação Brasileira de Bancos (Brazilian Federation of
Banks), published Regulatory Standard No. 19/18 (Regulatory Standard on the Conscious Use of Overdraft), with new guidelines to promote
and stimulate the proper use of overdraft facilities.

Among
the Regulatory Standard No. 19/18 main guidelines, we highlight that: (i) financial institutions which have signed the regulatory standard
shall, at any time, provide more advantageous conditions to the consumer to settle his overdraft balance, including the possibility of
installment payments; (ii) if the consumer uses more than 15% of the overdraft limit available during 30 consecutive days, and as long
as the value is above R$200.00, the financial
institution shall proactively offer to the consumer alternatives for the settlement of the balance; and (iii) financial institutions shall
promote financial guidance related to the overdraft, especially with respect to its use in emergency situations and on a temporary basis.

| 49 – Reference Form – 2024 |

| 1. Issuer’s activities |

In November
2019, the CMN published Resolution No. 4,765/19, as amended, which provides for overdrafts granted by financial institutions for cash
deposit accounts. This Resolution sets forth that the interest rates charged on the amount used are limited to 8% per month.

Brazilian Clearing System (Sistema de Pagamentos Brasileiro, or “SPB”)

The
SPB was regulated and restructured under Law No. 12,865/13. These regulations are intended to streamline the system by adopting multilateral
clearing and boost security and solidity by reducing systemic default risk and financial institutions’ credit and liquidity risks.

SPB
comprises the entities, systems and procedures related to the processing and settlement of transactions of transfers of funds, operations
with foreign currency or with financial assets and securities. The subsystems in the SPB are responsible for maintaining security mechanisms
and rules for controlling risks and contingencies, loss sharing among market participants and direct execution of custody positions of