Slides
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Investor Presentation November 2025
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Strategy and Business Segments
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• Arab Banking Corporation and local management acquire Roberto Marinho Group’s shares • The bank’s name changes to Banco ABC Brasil S.A. History in Brazil • Arab Banking Corporation and Roberto Marinho Group jointly initiate Banco ABC Roma S.A. IPO • Revamp of Investment Banking operations, with Debt Capital Markets (DCM) and Mergers & Acquisitions (M&A) • Launching of the Middle client segment • Started to operate in Project Finance and Equity Capital Markets (ECM) • Beginning of operations of the Energy Trading Company • Launch of ABC Link – distribution of financial services through banking correspondents • Launching proprietary insurance brokerage • Beginning of operations of the Credit Recovery • Reorganization of the Investment Banking area 1989 2007 20191997 2013 2020 2021 2022 2023 2024 • New Brand positioning, Purpose and Culture Pillars 3
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ABC Brasil Investment Case Reinvestment to support existing operations Investment in new initiatives to accelerate growth Shareholders’ Remmuneration • Expansion in initiatives with “right-to-win” • Diversify revenue streams • Unlock “hidden values” • Capture optionalities • Earnings power to sustain credit portfolio growth • Reduction in Client Acquisition Cost (CAC) and Cost to Serve (CTS) • Build scalability • Profitable franchise • Attractive dividend yield • History of consistent and growing dividend payments 4
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Clients Re-segmentation 5 R$4 bn R$300 mm Middle Middle Large Corporate Large Corporate R$4 bn R$500 mm Corporate Corporate R$30 mm R$30 mm Until 2Q25 3Q25Annual Sales
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Focus on Companies Notes: 1 Based on the new client segmentation, historical data has been reclassified from 2024 onwards for comparability purposes 2 Includes Loans, Guarantees Issued and Corporate Securities portfolios ABC Brasil offers financial solutions to companies in the Large Corporate, Corporate and Middle segments Expanded Credit Portfolio1,2 (R$ million) Dec/18 42% 55% Dec/19 40% 54% 6% Dec/20 38% 54% 8% Dec/21 34% 57% 10% Dec/22 32% 59%2% Dec/23 31% 61% 8% Dec/24 30% 61% 8% Sep/25 58% 42% 25,570 30,148 34,378 9%43,255 46,381 53,171 52,303 37,715 11% Large Corporate Corporate Middle 6
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Growth Strategy Expand Structural ROAE Capture Synergies among Operations Risk Exposure Dilution Lower Volatility Over the Cycles Clients ▪ Scale number of clients and transaction volume, through a segmented offer ▪ Serve all our clients’ stakeholders (suppliers, employees and clients) Products ▪ Expand the product portfolio ▪ Reduce the dependency on specific business lines ▪ Leverage on the existing infrastructure, diluting the cost to acquire and serve clients Channels ▪ Develop new distribution channels ▪ Use third party channels to distribute our services and products ▪ Distribute third-party services and products through our channels 7
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ABC Brasil Expansion Geographical Footprint Client Base in Commercial footprint 5.033 5.207 4.854 4.753 4.699 3Q24 4Q24 1Q25 2Q25 3Q25 45 cities 8
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Segments Highlights Geographical Breakdown of the Expanded Credit Portfolio per Segment 56.2% São Paulo 43.8%Rio de Janeiro and Minas Gerais 50.3% São Paulo23.0% South 11.6%Center-West 8.3% Rio de Janeiro 6.8% Minas Gerais and Northeast 47.2% São Paulo 26.3% South 20.7% Rio de Janeiro and Minas Gerais 5.8% Northeast Large Corporate1 Middle3 Average Ticket4 (R$ million) Average Term4 (days) Corporate Clients4 Corporate2 Sep/24 Jun/25 Sep/25 Sep/24 Jun/25 Sep/25 Sep/24 Jun/25 Sep/25 387 379 410 91.4 93.4 86.8 308 344 341 2,301 2,304 2,192 19.1 23.7 24.0 394 396 406 2,345 2,070 2,097 351 387 389 2.3 2.5 3.0 Total Sep/25 4,699 -7% Chg. 12M Large Corporate Corporate Middle Notes: 1 Large Corporate: Clients with annual sales above R$4 bn 2 Corporate: Clients with annual sales between R$500 mm and R$4 bn 3 Middle: Clients with annual sales between R$30 mm and R$500 mm 9 4 Based on the new client segmentation, historical data has been reclassified from 2024 onwards for comparability purposes
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Expanded Credit Portfolio 1 3Q25 2Q25 3Q25x2Q25 3Q24 3Q25x3Q24 (R$ million) Res. 4,966 % Total Res. 4,966 % Total Chg 3M Res. 2,682 % Total Chg 12M Loans 22,883 100% 22,521 100% 1.6% 22,984 100% -0.4% Large Corporate 3,409 14.9% 4,262 18.9% -20.0% 4,256 18.5% -19.9% Corporate 15,506 67.8% 14,592 64.8% 6.3% 14,847 64.6% 4.4% Middle 3,967 17.3% 3,668 16.3% 8.2% 3,881 16.9% 2.2% Corporate Securities 16,834 100% 16,726 100% 0.6% 14,563 100% 15.6% Large Corporate 4,589 27.3% 4,145 24.8% 10.7% 3,968 27.2% 15.7% Corporate 11,917 70.8% 12,349 73.8% -3.5% 10,447 71.7% 14.1% Middle 328 1.9% 233 1.4% 41.0% 148 1.0% 121.9% "Cash" Portfolio2 39,717 100% 39,247 100% 1.2% 37,547 100% 5.8% Large Corporate 7,998 20.1% 8,407 21.4% -4.9% 8,224 21.9% -2.7% Corporate 27,423 69.0% 26,940 68.6% 1.8% 25,294 67.4% 8.4% Middle 4,296 10.8% 3,901 9.9% 10.1% 4,029 10.7% 6.6% Guarantees Issued 12,586 100% 12,872 100% -2.2% 12,463 100% 1.0% Large Corporate 7,808 62.0% 7,659 59.5% 1.9% 7,627 61.2% 2.4% Corporate 4,725 37.5% 5,172 40.2% -8.6% 4,792 38.5% -1.4% Middle 53 0.4% 42 0.3% 26.2% 44 0.4% 19.4% Expanded Credit Portfolio 52,303 100% 52,120 100% 0.4% 50,010 100% 4.6% Large Corporate 15,806 30.2% 16,066 30.8% -1.6% 15,851 31.7% -0.3% Corporate 32,148 61.5% 32,112 61.6% 0.1% 30,087 60.2% 6.9% Middle 4,348 8.3% 3,943 7.6% 10.3% 4,073 8.1% 6.8% Expanded Credit Portfolio Notes: 1 Based on the new client segmentation, historical data has been reclassified from 2024 onwards for comparability purposes 2 Includes Loans and Corporate Securities portfolios 10
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Economic Sectors & Collaterals Retail & Wholesale 7.2% Financial Services 6.4% Real Estate 7.7% Agribusiness 23.5% Energy 13.9% Economic Sectors (Expanded Credit Portfolio) Collaterals (Expanded Credit Portfolio) 90,8% Clean 6.6% Financial Assets 1.1% Properties 0.8% Others 0.7% Receivables 64,5%9,8% 15,7% CleanReceivables Properties 5.0% Financial Assets 1.6% Agribusiness Colaterals 3.3% Others 58,3%25,3% 10,1% CleanReceivables 1.2% Properties 5.1% Financial Assets Others Corporate Large Corporate Middle Collateralized Portfolio: 9.2% Collateralized Portfolio: 35.5% Collateralized Portfolio: 41.7% Transports & Logistic 6.8% Services 6.6% 11 11,7% 5,8% 3,1% 3,0% 8,9% 3,8% 6,6% 3,9% 4,1% 6,6% 4,7% 5,3% 3,6% 3,2% 2,9% 3,5% Agricultural Inputs Sugar & Ethanol Generation Distribution1.2% Transmission Construction & Developers1.1% Others 1.7% Wholesale 1.6% Non Food Retail Others 1.6% Storage and Logistics 1.1% Maritime Transport Others Services Insurance, Acquirers & Others 1.7%Banks Oil, Gas & Chemicals Food Industry Consumer Goods Industry Heavy Construction 2.0% Water & Sewage 2.0% Metal & Mining Grains Chain Automotive 1.5% Telecom 1.1% 1.6% 1.1% Pulp & Paper Agriculture & Livestock OthersTextile Industry
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3Q24 4Q24 1Q25 2Q25 3Q25 0.6% 72.1 0.7% 91.3 0.5% 63.5 0.6% 79.1 0.7% 90.3 0,9% 1,5% 1,5% 1,8% 6,2% 6,3% 7,0% 7,4% 6,9% 2,3% 2,3% 2,1% 2,2% 2,4% 1.5% 3Q24 1.3% 4Q24 0.8% 1.6% 1Q25 0.8% 2Q25 1.9% 3Q25 Credit Portfolio Quality Expanded Provision Expenses Expected Credit Loss1 12 (R$ million) Expanded Provision Expenses Expanded Provision Expenses / Expanded Portfolio LC C M Total4 Res. 2,6822 Notes: 1 Based on the new client segmentation, historical data has been reclassified from 2024 onwards for comparability purposes 2 % of Loan Portfolio Res. 4,9663Res. 2,6822 Res. 4,9663 3 % of Expanded Credit Portfolio 4 The Total Expected Credit Loss includes the Prospective provision of R$190 million
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Credit Portfolio Quality +90 Days Overdue1 (includes falling due and overdue installments) Overdue Balance 13 LC C M Total Res. 2,6822 Res. 4,9663 271 273 485 382 319 3Q24 4Q24 1Q25 2Q25 3Q25 4,2% 3,9% 3,3% 1,2% 1,1% 0,7% 0,6% 0.0% 0.7% 0.0% 1.0% 3.2% 0.0% 1.0% 0.9% 0.0% 0.7% 4.1% 0.1% 0.5% Notes: 1 Based on the new client segmentation, historical data has been reclassified from 2024 onwards for comparability purposes 2 % of Loan Portfolio 3 % of Expanded Credit Portfolio
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Credit Portfolio Quality Operations in Stage 3 and +90 Days Overdue Balance Coverage Ratio3 14 Res. 4,9662Res. 2,6821Res. 4,9662Res. 2,6821 195% 198% 227% 307% 389% 90% 93% 90% 3Q24 4Q24 1Q25 2Q25 3Q25 Expected Credit Loss / +90 days Overdue Expected Credit Loss / Stage 3 Stage 3 +90 days Overdue 3Q24 4Q24 1Q25 2Q25 3Q25 1.2% 1.1% 2.4% 0.9% 2.4% 0.7% 2.6% 0.6% Notes: 1 % of Loan Portfolio 2 % of Expanded Credit Portfolio 3 The Total Expected Credit Loss includes the Prospective provision of R$190 million
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Funding and Capital Base
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Funding Funding 3Q25 Funding Evolution 3Q24 4Q24 1Q25 2Q25 3Q25 55,551 58,518 55,111 55,326 53,915 10,285 35,840 3,049 6,378 11,571 36,936 3,624 6,387 9,384 35,582 3,672 6,472 9,238 36,201 3,307 6,581 7,008 37,335 2,872 6,700 Senior International Senior Domestic Subordinated Financial Letters Shareholders’ Equity Trade Finance Multilateral Agencies, Deposits & Others Institutional Individuals Corporates BNDES Onlending Equity 3.9% 9.1% 36.1% 19.0% 11.8% 7.7% 12.4% (R$ million) 16
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Funding (R$ million) 3Q25 % of Total 2Q25 % of Total 3Q24 % of Total Demand Deposits 457 0.8% 563 1.0% 532 1.0% Time Deposits 7,483 13.9% 8,078 14.6% 10,635 19.1% LCA, LCI & COE¹ 7,937 14.7% 7,624 13.8% 5,642 10.2% Financial Bills 16,321 30.3% 16,682 30.2% 16,542 29.8% Subordinated Local Notes (Letras Financeiras) 1,556 2.9% 1,701 3.1% 2,005 3.6% Interbank Deposits 237 0.4% 128 0.2% 152 0.3% Borrowing and Onlending Obligations Abroad 7,731 14.3% 9,250 16.7% 10,285 18.5% Borrowing and Onlending Obligations 4,175 7.7% 3,112 5.6% 2,336 4.2% Perpetual Sub. Financial Notes 1,317 2.4% 1,606 2.9% 1,043 1.9% Subtotal (Funding with Third Parties) 47,215 87.6% 48,745 88.1% 49,173 88.5% Shareholders' Equity 6,700 12.4% 6,581 11.9% 6,378 11.5% Total 53,915 100.0% 55,326 100.0% 55,551 100.0% Funding & Ratings Ratings Sovereign BB BB Ba1 Local brAAA AAA(bra) AAA.Br Global BB BB+ Ba1 1 LCA: Agriculture Credit Bills / LCI: Real State Credit Bills / COE: Structured Transactions Certificate 17
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Assets & Liabilities by Maturity 10.642 5.078 72 6.720 6.446 1,724 Accumulated Gap¹ 8.838 8.286 6.869 3.229 6.857 1.874 3.5021.652 4.996 17,499 10,642 1-30 days 14,402 (5,564) 31-180 days 13,291 (5,006) 181-360 days 18,242 16,589 1-3 years 4-5 years (274) >5 years Ativos Liabilities Gap(As of September, 2025) ALM Note: 1 Assuming Federal Government Securities liquid within 1-30 days, based on market prices, as they can be converted into cash through repurchase agreements or sold in the secondary market. (R$ million) 18
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Basel Ratio & Shareholders’ Equity (R$ million) 11.6% 2.0% 2.4% 3Q24 11.3% 2.9% 2.3% 4Q24 11.7% 3.1% 2.5% 1Q25 11.8% 3.0% 2.5% 2Q25 11.9% 2.4% 2.4% 3Q25 16.1% 16.5% 17.2% 17.3% 16.7% Tier 2 AT1 CET1 8,345 6,378 8,962 6,387 9,072 6,472 9,174 6,581 9,138 6,700 Reference Equity Shareholders’ Equity Basel Ratio 2Q25 vs. 3Q25 Basel Ratio 2,5% 2,4% 14.8% Basel Ratio 2Q25 0.5% Net Income -0.3% Interest on Capital (IoC) -0.5% Δ Debt Issuance (AT1 & Tier II) 0.2% Others -0.5% Δ RWA 14.3% Basel Ratio 3Q25 17.3% 16.7% 19 Tier II Tier I
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Financial Highlights
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Net Interest Income Shareholders’ Equity Remunerated at CDI Rate Financial Margin with Market Financial Margin with Clients Net Interest Income & NIM 604.4 Net Interest Income 2Q25 20.0 Δ Financial Margin with Clients 5.9 Δ Financial Margin with Market 21.8 Δ Shareholders’ Equity Remunerated at CDI Rate 652.0 Net Interest Income 3Q25 Net Interest Income 2Q25 vs. 3Q25 4.4% 4.2% 3.8% 4.1% 4.4% 4.3% 4.1% NIM (R$ million) 367 359 341 373 393 127 135 306 230 128 131 183 372 487 3Q24 4Q24 83 143 1Q25 71 161 2Q25 77 3Q25 1,072 9M24 1,106 9M25 622 626 567 604 652 1,750 1,823 +4.9% +7.9% (% p.a.)(R$ million) 21
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Margin and Spread with Clients Annualized Spread with Clients Provision Expenses Mgn. w/ Clients adj. by Provisions 4.0% 3.2% 3.7% 2.7% 3.5% 2.8% 3.8% 3.0% 4.0% 3.1% Spread w/ Clients¹ Spread w/ Clients adj. by Provisions 68.1 298.8 3Q24 97.6 261.9 4Q24 69.1 271.5 1Q25 79.4 293.2 2Q25 89.4 303.2 3Q25 366.9 359.5 340.6 372.6 392.6 Notes: 1 Spread with Clients is calculated as Financial Margin with Clients divided by the average Loans and Corporate Securities Portfolio. 22 (R$ million) Res. 4.966Res. 2.682
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Service Revenues Insurance Brokerage Fees and Commercial Banking Investment Banking Guarantees Issued 24.2% 26.9% 23.1% 23.3% 22.0% 24.2% 22.8% Service Revenues / Service Revenues + Margin with Clients 113.0 Service Revenues 2Q25 (5.8) Δ Guarantees Issued 3.6 Δ Investment Banking (0.2) Δ Insurance Brokerage Fees and Commercial Banking 110.7 Service Revenues 3Q25 (R$ million) (R$ million) 48.9 28.7 3Q24 43.8 63.3 25.4 4Q24 42.3 32.9 27.3 1Q25 45.7 34.1 33.3 2Q25 39.9 37.7 39.6 3Q25 114.9 134.3 92.4 9M24 127.9 104.6 93.7 9M25 117.2 132.5 102.6 113.0 110.7 341.6 326.2 33.1 Service Revenues 2Q25 vs. 3Q25 Service Revenues 23
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Expenses and Efficiency Ratio 3Q24 4Q24 1Q25 2Q25 3Q25 9M24 9M25 37.8% 37.7% 42.1% 38.4% 38.8% 38.0% 39.7% Efficiency Ratio (Expenses/Revenues) 24 Despesas 3T25 2T25 3T25x2T25 3T24 3T25x3T24 9M25 9M24 9M25x9M24 (R$ milhões) Res. 4.966 Res. 4.966 Var 3M Res. 2.682 Var 12M Res. 4.966 Res. 2.682 Var 12M Despesas de Pessoal (126.7) (128.2) -1.2% (127.2) -0.3% (381.9) (368.9) 3.5% Outras Despesas Administrativas (71.1) (66.6) 6.7% (71.6) -0.7% (208.5) (198.6) 5.0% Subtotal (197.9) (194.9) 1.5% (198.8) -0.4% (590.4) (567.6) 4.0% Participação nos Lucros (PLR) (81.4) (64.6) 25.9% (72.4) 12.5% (214.1) (203.7) 5.1% Total (279.3) (259.5) 7.6% (271.1) 3.0% (804.5) (771.3) 4.3% Colaboradores 1,298 1,295 0.2% 1,293 0.4% 1,298 1,293 0.4%
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Profitability Recurring Net Income Recurring ROAE 3Q24 4Q24 1Q25 2Q25 3Q25 9M24 9M25 255.1 243.1 225.6 244.1 256.8 728.2 726.5 +0.7% +5.2% 3Q24 4Q24 1Q25 2Q25 3Q25 9M24 9M25 16.2% 15.2% 14.1% 15.0% 15.5% 15.8% 14.9% (R$ million) (p.a.) 25
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Ownership and Organizational Breakdown
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Ownership Structure Central Bank of Libya Kuwait Investment Authority Free-float Sep/25 Sep/25 63.5%5.1% 31.4% Bank ABC Management² Free-float ABC Brasil¹ Bank ABC (Controlling Shareholder) 59.4% 29.7% 10.9% Notes: 1 Ex-Treasury 2 Management includes Company Executives, members of the Board and related persons to Banco ABC Brasil and affiliates companies 27
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Corporate Structure (Nov/25) 28
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Corporate Governance Listed at B3 since 2007 • Minority shareholders with the right to appoint independent board members • All related-party transactions subject to CVM and B3 regulatory rules, including mandatory disclosure in the financial statements Included in the following B3’s indexes: Admitted at B3’s Level 2 of Corporate Governance since IPO Local management Partnership, supplemented by long- term alignment • Senior management with approximately 5.1%1 of the total capital of ABC Brasil, through long term incentive plans • Employees with a relevant part of their remuneration linked to performance goals, and relevant portion paid in ABC Brasil’s shares • ~31% free float • Active research coverage by sell-side analysts and credit rating agencies, with full disclosure 29 Note: 1 As of September 30, 2025
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ESG Highlights 30 • Allocation of more than R$21.7 billion¹ to asset operations linked to ESG criteria² • Issuance of more than R$1.5 billion¹ in sustainable Financial Bills and CDBs on the local market • Structuring ESG debt securities on the local capital market • BNDES Onlending ESG lines: Fundo Clima, FGEnergia and Finame Baixo Carbono • Access to ESG lines through global multilateral agencies: Climate Change • ESG advisory for decarbonization plans • Implementation of the Carbon Solutions Desk • Automated measurement of emissions related to financing activities • Strategy for reducing and offsetting scope 1 and 2 emissions Adhesion to the B3 Carbon Efficient Index Portfolio Sustainable Finance Signatory Investor Pacts and Commitments United Nations Global Pact Member More Women in Leardership Seal Governance Notas: 1 As of September 30, 2025 2 According to ABC Brasil's Sustainable Finance Framework, which has a second party opinion from S&P • Release of the 2024 Integrated Annual Report, consolidating the Company's financial and non-financial information, demonstrating how we generate value over time • ESG Committee, reporting directly to the Board of Directors • Mapping of the ESG maturity level of ABC Brasil’s ESG suppliers
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Appendix
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Managerial Income Statement 3Q25 2Q25 3Q25x2Q25 3Q24 3Q25x3Q24 9M25 9M24 9M25x9M24 (R$ million) Res. 4,966 Res. 4,966 Chg 3M Res. 2,682 Chg 12M Res. 4,966 Res. 2,682 Chg 12M Net Interest Income 652.0 604.4 7.9% 621.8 4.9% 1,823.1 1,750.1 4.2% Financial Margin with Clients 392.6 372.6 5.4% 366.9 7.0% 1,105.7 1,071.9 3.2% Shareholders' Equity Remunerated at CDI Rate 182.7 160.9 13.5% 127.8 42.9% 487.0 372.4 30.8% Financial Margin with Market 76.8 70.9 8.3% 127.0 -39.6% 230.4 305.7 -24.6% Provision Expenses (89.4) (79.4) 12.6% (68.1) 31.2% (237.8) (180.7) 31.6% Net Interest Income post-Provisions 562.7 525.0 7.2% 553.7 1.6% 1,585.3 1,569.4 1.0% Service Revenues 110.7 113.0 -2.1% 117.2 -5.6% 326.2 341.6 -4.5% Guarantees Issued 39.9 45.7 -12.6% 39.6 0.7% 127.9 114.9 11.3% Investment Banking 37.7 34.1 10.7% 48.9 -22.9% 104.6 134.3 -22.1% Insurance Brokerage Fees and Commercial Banking 33.1 33.3 -0.7% 28.7 15.0% 93.7 92.4 1.4% Personnel & Other Administrative Expenses (197.9) (194.9) 1.5% (198.8) -0.4% (590.4) (567.6) 4.0% Personnel Expenses (126.7) (128.2) -1.2% (127.2) -0.3% (381.9) (368.9) 3.5% Other Administrative Expenses (71.1) (66.6) 6.7% (71.6) -0.7% (208.5) (198.6) 5.0% Tax Expenses (40.2) (42.9) -6.3% (28.3) 42.1% (117.7) (71.7) 64.3% Other Operating Income/Expenses (2.4) 0.4 -726.8% 3.8 -165.1% (4.8) 5.8 -183.5% Non Operating Income (1.0) 0.3 -441.5% 2.3 -142.2% 4.9 2.6 89.5% Earnings before Tax and Profit Sharing 431.9 401.0 7.7% 449.9 -4.0% 1,203.5 1,280.1 -6.0% Income Tax and Social Contribution (88.4) (86.9) 1.7% (118.5) -25.4% (249.1) (333.5) -25.3% Profit Sharing (81.4) (64.6) 25.9% (72.4) 12.5% (214.1) (203.7) 5.1% Minority Interest (5.3) (5.4) -2.0% (4.0) 32.2% (13.8) (14.6) -5.5% Recurring Net Income 256.8 244.1 5.2% 255.1 0.7% 726.5 728.2 -0.2% Managerial Income Statement 32
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Contact Website: www.abcbrasil.com.br | ri.abcbrasil.com.br Phone: +55 (11) 3170-2000 33
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Disclaimer The following material, on this date, is a presentation containing general information about the Banco ABC Brasil S.A. and their affiliates. We offer no guarantee and make no declaration, implicitly or explicitly, as to the accuracy, completeness or scope of this information. This presentation may include forward-looking statements of future events or results according to the regulations of the Brazilian and International securities and exchange commissions. These statements are based on certain assumptions and analyses by the Company that reflect its experience, the economic environment, future market conditions and expected events by the company, many of which are beyond the control of the Company. Important factors that may lead to significant differences between the actual results and the statements of expectations about future events or results include the company’s business strategy, Brazilian and International economic conditions, technology, financial strategy, financial market conditions, uncertainty regarding the results of its future operations, plans, objectives, expectations and intentions, among others. Considering these factors, the actual results of the company may be significantly different from those shown or implicit in the statement of expectations about future events or results. The information and opinions contained in this presentation should not be understood as a recommendation to potential investors and no investment decision is to be based on the veracity, current events or completeness of this information or these opinions. No advisors to the company or parties related to them or their representatives should have any responsibility for any losses that may result from the use or contents of this presentation.