XP Inc Results Presentation Deck

Cross-Sell Large, in-house opportunity Penetration in Active Clients 16% Credit Cards <1% Credit 10% Digital Account <1% Insurance 5% Retirement Plans <1% International Investments XP Inc. New verticals are less cyclical than investments and enhance clients' lifetime value Untapped potential: relationship with clients improve as more products are adopted Credit Card, the highest penetration within the new verticals, has only 16%

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