Inter super app Experience Campaign

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.

THERE TERMS AND CONDITIONS HAVE AN “ARBITRATION AGREEMENT,” WHICH INCLUDES WAIVERS OF YOUR RIGHT TO A JURY TRIAL AND YOUR CLASS ACTION RIGHTS. PLEASE REVIEW IT CAREFULLY. YOU HAVE THE RIGHT TO OPT OUT OF THE ARBITRATION PROVISION AS DESCRIBED BELOW. IF YOU DO NOT OPT OUT, YOU UNDERSTAND THAT BY PARTICIPATING IN THIS SPECIAL OFFER, YOU AGREE TO CERTAIN PROVISIONS THAT WILL SUBSTANTIALLY AFFECT YOUR RIGHTS IN ANY DISPUTE WITH US.

• 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"); and (iii) not be an employee, contractor, or affiliate of Inter or any of its subsidiary companies.

• Requirements. In addition to meeting the Eligibility Criteria, you must also satisfy the following conditions to qualify for the Special Offer (“Requirements”): (i) have performed at least one qualifying transaction since January 1st, 2024, and remained inactive for at least 120 days prior to the campaign launch; (ii) have no account balance or have not performed any qualifying transactions in the last 120 days.

• 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 may be eligible to 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 Inter Passport Credit Card[1]issued through your Inter Account. There is no minimum transaction amount required for qualifying activities.

[1] Inter Debit Card means the Inter US Mastercard® Debit Card issued by Continental Bank, Member FDIC.

Inter Passport Credit Card means the Inter US Mastercard® Credit Card issued by Continental Bank, Member FDIC.

• Assessment and Provisional Credit. Inter will conduct a manual assessment of account activity on January 31st, 2026, to determine compliance with the Requirements. Customers who meet the Eligibility Criteria and complete at least one qualifying transaction by the Activation Deadline will have the $10 promotional credit permanently maintained in their Inter Account.

The $10 promotional credit is initially provided as a provisional credit, subject to reversal at Inter’s sole discretion if the customer fails to meet the Eligibility Criteria and complete the Requirements.

• 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).#907330). Massachusetts Foreign Transmittal Agency (License #FT114374-100).#FT114374-100).#FT114374-100).#FT114374-100).#FT114374-100).#FT114374-100).#FT114374-100).#FT114374-100). Rhode Island Currency Transmitter (License # 20203960CT). Inter US Checking is provided by Continental Bank , Member FDIC. 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 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. 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.