XP Inc Results Presentation Deck

Banking: Recent Developments Solid deliveries over the last twelve months COLLATERALIZED CREDIT ▪ R$4.7 billion book (Individuals and Companies) ▪ Conservative approach to risk aiming zero NPL ▪ Lower capital vs traditional credit lines CREDIT CARD ▪ XP VISA INFINITY card officially launched ▪ Higher than expected card activation to date ▪ Marketplace delivered in two months امیدا MARGIN LOANS XP Inc. -Credit line currently in pilot phase ▪ Relevant tool to enhance trading experience Collateralization mitigates default risk 7

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