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Banco Itau Holding Financeira S/A Announcement
Itausa - Investimentos Itau S.A. , Banco Itau Holding Financeira S.A. , Unibanco Holdings S.A. and Unibanco - Uniao de Bancos Brasileiros S.A. , in compliance with paragraph 4 of Article 157 of Federal Statute 6404/76 and with Rules 358/2002 and 319/1999 of the Brazilian Securities and Exchange Commission , and in addition to the press release of November 3rd, 2008, hereby inform the following:

Crisis Cogitations
Everyone must be wondering where this unprecedented global financial crisis, (the World Banks words), is heading. What follows, for what they are worth, are my cogitations on this crisis.