Investor Presentaiton

Affordable Housing Market in Brazil The return of the MCMV Program has brought transformational changes that will benefit the Brazilian market and developers focused on the low-income segment Affordable Housing Market in Brazil In February 2023, the housing program Minha Casa Minha Vida was officially reconstituted through Provisional Measure no. 1162/23 Highlights of Minha Casa Minha Vida +2 mm new units by 2026 R$725 bi ° 0° in credit granted with The program offers low-income families access to financing for home acquisition Minha Casa Minha Vida O Significant changes in the program come into effect in 2023, bringing a sea of opportunities for developers focused on the low-income segment Sponsored and financed by the FGTS with a robust budget for the next 3 years One of Brazil's main tools to address the national housing deficit of ~6 million inhabitants, which represents a significant opportunity for the low-income segment." Principais mudanças no programa FGTS resources since 2009 +6 mm units delivered since 2009 Até R$55 mil otential subsidy for MCVM beneficiaries ~R$109 bi budgeted by the FGTS in 2023, the largest volume since 2009 R$369 bi total FGTS budget between 2023 and 2026 Income bracket Interest rates (without FGTS deposit) Interest rates (with FGTS deposit) Bracket Income range (current) Income range (new) S, SE, CO N, NE S, SE, CO N, NE Up to R$2,000 4.75% 4.50% 4.25% 4.00% Bracket 1 Up to R$2,000 Up to R$2,640 5.00% 4.75% 4.50% 4.25% Up to R$3,000 Up to R$3,200 5.50% 5.25% 5.00% 4.75% Bracket 2 Up to R$3,700 Up to R$3,800 6.00% 5.50% Up to R$4,400 Up to R$4.400 7.00% 6.50% Bracket 3 Up to R$8,000 Up to R$8,000 8.16% 7.66% Source: Provisional Measure N° 1.162/2023 / Minha Casa Minha Vida Program (www.gov.br). 9

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