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Investor Presentaiton

Affordable Housing Market in Brazil New proposals in the resumption of the program Minha Casa Minha Vida Price ceiling review +50% R$264k Track 1 e 2 R$160k Maximum unit price (current) New Minha Casa Minha Vida Update of the bands Higher price ceiling for all bands Reduction of interest rates. Maximum unit price (new) +33% R$350k R$264k Track 3 Maximum unit price (current) Maximum unit price (new) Extended maturities Increase in subsidies Reduction in tax burden Subsidy Cap R$ (Thousand) The subsidy is the portion of the financing paid by the Union through the housing program for families that fall within income bands 1 and 2. With the aim of reducing the down payment for financing and expanding their purchasing capacity, a new subsidy ceiling was approved by the FGTS Board of Trustees in June 2023, increasing from R$ 47,500 to up to R$ 55,000. +16% Source: ABRAINC / Ministério das Cidades 55.0 47.5 Actual Proposed 11
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