INTER $10 SUPER APP EXPERIENCE TERMS & CONDITIONS

The following terms and conditions ("Terms and Conditions") apply to the Inter & Co Payments, Inc. ("Inter") special offer "$10 Super App Experience" (the "Special Offer") which is available to certain qualifying customers. By participating in this Special Offer, you acknowledge that you have read, understood, and agree to these Terms and Conditions.

• Eligibility. To be eligible for the Special Offer, you must, cumulatively, meet the following eligibility criteria ("Eligibility Criteria"): (i) be a US resident, in a state where Inter operates its digital account services; (ii) hold an Inter digital account ("Inter Account"); (iii) be an inactive customer who has performed at least one qualifying transaction since January 1st, 2024, and has remained inactive for at least 120 days prior to campaign launch; (iv) have no account balance or have not performed any qualifying transactions in the last 120 days; and (v) be selected by Inter's internal eligibility assessment as part of this reactivation campaign.

• Special Offer Time Period. The Special Offer Time Period begins on October 3rd, 2025, and ends on January 31st, 2026 ("Activation Deadline").

• Promotional Credit. Eligible customers will automatically receive a $10 (ten US dollars) cash deposit credited directly to their Inter Account during the Special Offer Time Period, at Inter's sole discretion.

• Requirements for Credit Retention. To maintain the Special Offer credit in your account, you must complete at least one (1) of the following qualifying transactions through your Inter Account by the Activation Deadline: (i) Money Transfer; (ii) International Money Transfer (Remittance); (iii) Gift Card Purchase; (iv) e-SIM Activation; (v) Investment transaction; or (vi) make a purchase transaction using your Inter Debit Card or Passport Credit Card issued through your Inter Account. There is no minimum transaction amount required for qualifying activities.

• Assessment and Credit Forfeiture. Inter will conduct a manual assessment of account activity on January 31st, 2026, to determine compliance with the Requirements. Customers who complete at least one qualifying transaction by the Activation Deadline will permanently maintain the $10 promotional credit in their Inter Account. Customers who fail to complete any qualifying transaction by the Activation Deadline will have the $10 promotional credit automatically removed from their Inter Account during the assessment period.

• Non-combination with other offers. This Special Offer may not be combined with any other special offer or promotional program offered by Inter, particularly other new customer activation campaigns, unless expressly stated otherwise.

• Qualifying customers. The Special Offer is only available for Inter customers who meet all Eligibility Criteria (each a "Qualifying Customer"; and collectively referred to as "Qualifying Customers"). A Qualifying Customer must maintain an Inter Account in good standing for the duration of the Special Offer Time Period.

• Disqualification Criteria. You will be disqualified from the Special Offer if you: (i) fail to meet any of the Eligibility Criteria listed above; (ii) have your account blocked for financial or compliance reasons (Blacklisted/Account Locked); (iii) are determined to be ineligible through Inter's validation procedures; or (iv) cancel any qualifying transaction that was used to meet the Requirements.

• Right of Withdrawal. If one or more mandatory transactions required to fulfill the campaign requirements is canceled by the customer, the customer loses the right to maintain the credited balance.

• Special Offer limitations. The Special Offer is limited to one (1) per eligible customer and will be distributed free of charge. The Special Offer may be adjusted from time to time or terminated by Inter at its sole discretion and without advance notice. Unless posted otherwise, any adjustments shall be effective immediately.

• Notification and Communication. Participants will be notified of their participation status and campaign updates via email, account balance notifications, and push notifications through the Inter Super App.

• Account Agreement. The opening of and access to your Inter Account is subject to your Inter Account Agreement, available on https://us.inter.co/en/compliance#global-account-agreement .

• Fraud Prevention and Compliance. Inter reserves the right to cancel your enrollment in the Special Offer if it suspects fraud or if you are in breach of any of Inter's terms & conditions, policies, procedures and rules, and/or applicable laws and regulations. Inter reserves the right to disqualify transactions that, in its sole discretion, are intended to contravene the rules of the Special Offer or are not otherwise in compliance with applicable laws and regulations, as well as these Terms and Conditions, and/or Inter's terms & conditions, policies, procedures and rules.

• Transaction Validity. The Special Offer will not be valid for any qualifying transaction that is canceled by the customer, or by Inter. The Special Offer will not be available in the event a requested transaction is not sufficiently funded or fails to complete successfully.

• Limitation of Liability. Inter shall not be liable for any loss, damage, or injury arising from participation in the Special Offer.

• Compliance with Applicable Laws and Regulations. Qualifying customers are responsible for complying with all applicable laws and regulations regarding Special Offer participation. Inter will not be liable for any violations of law committed by Qualifying Customers.

• Privacy and Data Collection. All information collected from you as part of the Special Offer will be subject to Inter's Privacy Policy, available on https://us.inter.co/en/compliance#privacy-policy . All Inter Accounts are subject to the terms and conditions of the Inter Account Agreement, available on https://us.inter.co/en/compliance#global-account-agreement .

• Questions or Complaints. Customers having any questions or complaints concerning the Special Offer or their Inter Account may contact Inter customer service at 1-888-305-7264 or via email at help@inter.co .

• Governing Law and Dispute Resolution. Disputes under these Terms and Conditions are subject to the dispute resolution provisions of Inter & Co User Agreement, section 12, titled, "DISPUTE RESOLUTION AND GOVERNING LAW". Please note that disputes are governed by the Arbitration Agreement and Class Action Waiver contained therein.

INTER & CO PAYMENTS, INC., doing business as Inter ("Inter"), is a financial technology company, a registered money services business (MSB) and a licensed money transmitter, not a bank (NMLS ID #907330). Massachusetts Foreign Transmittal Agency (License #FT114374-100). Rhode Island Currency Transmitter (License # 20203960CT). The Inter US Mastercard® Credit Card is issued by Continental Bank pursuant to a license from Mastercard International Incorporated and may be used wherever Mastercard credit is accepted.

ACCOUNT INFORMATION
Inter offers two different types of accounts. The Inter Digital Account is a pre-paid account, while the Inter US Checking account is a deposit account. Each account type is governed by its own set of terms and conditions. Please see the applicable account agreement for more information.

INTER US CHECKING IS ONLY AVAILABLE TO U.S. CUSTOMERS.
The Inter Digital Account is provided by Community Federal Savings Bank (“CFSB”), Member FDIC and deposits are held by CFSB and Wells Fargo Bank, Members FDIC. Inter Digital Account funds are not FDIC Insured.The Inter US Checking account is provided by Continental Bank, Member FDIC. Inter US Checking account funds are FDIC insured.To know where your account is held, see the “Account Information” section in the Inter Super App.

DEBIT CARD INFORMATION

The Inter US Mastercard® Debit Card is issued by Continental Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated, and may be used wherever Mastercard debit is accepted. The Inter US Mastercard® Credit Card is issued by Continental Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated, and may be used wherever Mastercard credit is accepted.THE INTER US DEBIT CARD IS ONLY AVAILABLE TO U.S. CUSTOMERS*The Passport Card helps you build payment history that may positively improve your credit score. Credit score approval and increase is not guaranteed.


Late payments, missed payments, or other defaults on your accounts with us or other credit lenders will have a negative effect on your credit score.

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InterCommunications

Inter (NASDAQ: INTR) is the pioneer financial super app serving over 37.7 million consumers across the Americas. The Inter&Co ecosystem offers a broad array of services, including banking, investments, mortgages, credit, gift cards, and cross-border tools. The super app also boasts a dynamic marketplace, linking consumers with shopping discounts, cashback rewards, and exclusive access to marquee events across the globe. The company is expanding rapidly in the United States, as evidenced by its naming rights sponsorship of the Inter&Co Stadium that hosts soccer teams “Orlando City” and “Orlando Pride”. Focused on innovation and captivating member experiences, Inter&Co delivers comprehensive financial and lifestyle solutions to meet the evolving needs of modern consumers.

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INTER & CO PAYMENTS, INC., doing business as Inter (“Inter”), is a financial technology company, a registered money services business (MSB) and a licensed money transmitter, not a bank (NMLS ID #907330). Massachusetts Foreign Transmittal Agency (License #FT114374-100). Rhode Island Currency Transmitter (License # 20203960CT). Click here to access our NMLS licenses.

Banking services are provided by Community Federal Savings Bank (“CFSB”), Member FDIC and deposits are held by CFSB and Wells Fargo Bank, Members FDIC. Inter is not a depository institution, deposits held at CFSB and Wells Fargo are not eligible for FDIC insurance.

The Inter US Checking account is provided by Continental Bank, Member FDIC. Inter US Checking accounts are FDIC-insured up to US$250,000. Inter US Checking account funds are eligible for FDIC insurance up to the allowable limit through Continental Bank, Member FDIC, and other program banks. Coverage is subject to aggregation of all of each account holder's funds held on deposit at Continental Bank or at each of its program banks. Funds generated through Inter's payment processing services are generally available in the Inter US Checking account balance immediately after a payment is processed. Fund availability times may vary due to technical issues. Inter is not a bank. Inter US Checking accounts do not provide monthly paper statements and do not issue physical paper checks. Inter US Checking accounts are not interest-bearing accounts.

FDIC deposit insurance coverage only protects against the failure of an FDIC-insured deposit institution. If you have an Inter US Checking account, up to US$250,000 of your balance may be covered by FDIC insurance on a pass through basis through Continental Bank, Member FDIC, subject to aggregation of the account holder's funds held at Continental Bank and if certain conditions have been met.

Please see your account information to know where your account is maintained. Inter US Checking accounts at Continental Bank are only available for US residents, upon informing a Social Security or Individual Taxpayer Identification number.

For more information regarding your Inter Account, view the Inter Account Agreement at https://us.inter.co/compliance?interandco-account-agreement .

For more information regarding your Inter US Checking account, view the Inter US Checking Account Agreement at https://us.inter.co/compliance?inter-us-checking-account-agreement .

For more information regarding FDIC insurance, please visit the FDIC website at https://www.fdic.gov/resources/deposit-insurance .

To provide you with the Inter Account and the Inter US Checking account, we share your information with CFSB and Continental. View the CFSB Privacy Notice here and the Continental Privacy Notice here for details.

Mortgage services are provided by Inter US Finance, LLC (NMLS ID #1161874), an affiliate of Inter & Co Payments, Inc.

Securities brokerage services are provided by Inter&Co Securities LLC, Member FINRA/ SIPC , an affiliate of Inter & Co Payments, Inc. and a wholly-owned subsidiary of Inter&Co US Holding. View important information and disclosures here .

If you have any questions or concerns regarding any transaction, please write to us at 501 Brickell Key Drive, Suite 202, Miami, FL 33131, or by email at help@inter.co or by calling us at 1-888-305-7264 .

THIS NEXT SECTION IS APPLICABLE FOR US RESIDENTS ONLY. IF YOU ARE NOT A RESIDENT OF THE UNITED STATES OF AMERICA, PLEASE DISREGARD THIS SECTION.

The Inter US Mastercard® Credit Card is issued by Continental Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated and may be used wherever Mastercard debit is accepted. The Inter US Mastercard® Credit Card is issued by Continental Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated, and may be used wherever Mastercard is accepted. For more information about the Inter US Mastercard credit and debit cards please see the applicable cardholder agreements here .

THIS NEXT SECTION IS APPLICABLE FOR NON-US RESIDENTS ONLY. IF YOU ARE A RESIDENT OF THE UNITED STATES OF AMERICA, PLEASE DISREGARD THIS SECTION.

The Inter Mastercard® International Debit Card (“Global Card”) is issued by the international branch of Banco Inter S.A. in the Cayman Islands, authorized to operate as a category “B” banking institution by the Cayman Islands Monetary Authority – CIMA (“Cayman Branch”), pursuant to a license from Mastercard International Incorporated, linked to a US dollar checking account in the Cayman Islands maintained by the Cayman Branch (“Cayman Account”). For more information about the Cayman Account and the Global Card offered by the Cayman Branch, see the Cayman Account and Global Card Agreement, available here .

The Inter Mastercard® International Credit Card (“Global Credit Card”) is issued by the Cayman Branch, pursuant to a license from Mastercard International Incorporated. For more information about the Global Credit Card offered by the Cayman Branch, see the Global Credit Card Agreement, available here .

The Cayman Account, Global Card and Global Credit Card are offered by the international branch of Banco Inter S.A. in the Cayman Islands, an affiliate of Inter, and are not features of the Global Account nor are they offered by Inter & Co Payments, Inc. The Cayman Account, Global Card and Global Credit Card are not available for U.S. customers.

The Cayman Branch will gather your information in order to offer you the Cayman Account, the Global Card and the Global Credit Card. Personal data will be subject to the Data Protection Act of the Cayman Islands, as well as the General Data Protection Law. To learn more about how we protect your personal data, see our Privacy Policy, available at https://inter.co/politica-de-privacidade/ .

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