StoneCo Ltd

This annual report on Form 20-F contains statements that constitute forward-looking statements. Many of the forward-looking statements contained in this annual report can be identified by the use of forward-looking words such as “anticipate,” “believe,” “could,” “expect,” “should,” “plan,” “intend,” “may,” “predict,” “continue,” “estimate” and “potential,” or the negative of these terms or other similar expressions.

Forward-looking statements appear in a number of places in this annual report and include, but are not limited to, statements regarding our intent, belief or current expectations. These forward-looking statements include information about possible or assumed future results of our business, financial condition, results of operations, liquidity, our expectations towards our software assets and our ability to manage them efficiently, plans and objectives. Forward-looking statements are based on our management’s beliefs and assumptions and on information currently available to our management. Such statements are subject to risks and uncertainties, and actual results may differ materially from those expressed or implied in the forward-looking statements due to various factors, including, but not limited to, those identified under the section entitled “Item 3. Key Information—D. Risk Factors” in this annual report. The statements we make regarding the following matters are forward-looking by their nature:

•Our expectations regarding revenues generated by transaction activities and other services, subscription and equipment rental fees and financial income.

•Our expectations regarding our operating and net profit margins.

•Our expectations regarding significant drivers of our future growth.

•Our expectations regarding the performance of our current and new solutions.

•Our plans to continue to invest in research and development of technology for both existing and new products and services.

•Our ability to differentiate ourselves from our competition by delivering a superior customer experience and through our network of hyper-local sales and services and other distribution channels.

•Our ability to attract and retain a qualified management team and other team members while controlling our labor costs.

•Our ability to invest more and collect results in the short-term.

•Our plans to expand our footprint and explore opportunities in adjacent sectors and markets.

•Competition adversely affecting our profitability and growth.

•The occurrence of a natural disaster, widespread health epidemic or pandemics, such as the coronavirus (COVID-19) pandemic.

•Fluctuations in interest, inflation and exchange rates in Brazil and any other countries we may serve.

•General economic, financial, political, demographic and business conditions in Brazil and any other countries we may serve.

•The inherent risks related to the digital payments market, such as the interruption, failure or breach of our computer or information technology systems.

•Our ability to anticipate market needs and develop and introduce new and enhanced products and service functionalities to adapt to changes in our industry.

•Our ability to innovate and respond to technological advances, changes in the regulatory environment and changing market needs and customer demands.

•Changes in consumer demands and preferences and technological advances, and our ability to innovate in order to respond to such changes.

•Our failure to successfully maintain a relevant omnichannel experience for our clients, thereby adversely impacting our results of operations.

•Our ability to implement technology initiatives successfully and to capture the anticipated benefits of such initiatives.

•Our plans to pursue, conclude and successfully integrate strategic acquisitions.