Inter & Co, Inc.

This annual report contains or may contain “forward-looking statements.” Forward looking terms such as “may,” “will,” “could,” “should,” “would,” “plan,” “potential,” “intend,” “anticipate,” “project,” “target,” “believe,” “estimate” or “expect” and other words, terms and phrases of similar nature are often intended to identify forward-looking statements, although not all forward-looking statements contain these identifying words. Forward-looking statements are statements which are not historical fact and involve estimates, expectations, projections, goals, forecasts, assumptions, risks and uncertainties. Such forward-looking statements may include, but are not limited to, statements related to:

•recent developments relating to actual events or concerns relating to liquidity constraints, defaults and non-performance by financial institutions;

•the impact of the ongoing wars in the Middle East and in Ukraine, and the impact of these events on the global economy, which area highly uncertain and difficult to predict;

•our future growth opportunities, expect earnings, expected capital expenditures, and future financing requirements;

•our ability to expand our business into markets outside of Brazil and in particular our ability to integrate the operations and obtain the benefits that we intend to achieve through our acquisitions;

•general economic, political and business conditions both in Brazil and internationally, including tariffs and others restrictions on global trade;

•the socioeconomic, political and business environment in Brazil, including, but not limited to, exchange rates, employment levels, population growth and consumer confidence;

•inflation as well as fluctuations in thereal, as defined further below, and in interest rates;

•changes in applicable rules and regulations, including those relating to taxation, employment, information technology, data privacy, and cybersecurity, including the consequences of the recent tax reforms and any future tax reforms in Brazil;

•our ability to implement our growth strategies;

•our ability to adequately finance our operations on favorable terms;

•our ability to satisfactorily serve our clients;

•our ability to attract and retain companies to sell through our Inter Shop platform;

•our competitors and competitive position;

•changes in consumer preferences and consumer demand for our products and services;

•difficulties in maintaining and/or improving our products or in addressing client complaints and any negative publicity involving our products and services;

•increases in our operating costs, particularly in relation to our workforce; and

•the matters discussed under the“Risk Factors” section in this annual report.

The list above is not intended to be exhaustive, and there may be other key risks that are not listed above that are not presently known to us or that we currently deem immaterial. Should one or more of these or other risks or uncertainties materialize, or should any of the underlying assumptions prove incorrect, actual results may vary in material respects from those expressed or implied by the forward-looking statements made by us contained in this annual report. As a result of the foregoing, readers should not place undue reliance on the forward-looking statements contained in this annual report. The forward-looking statements contained in this annual report are expressly qualified in their entirety by the foregoing cautionary statements. All such forward-looking statements are based upon information available as of the date of this annual report or other specified date and speak only as of such date. We disclaim any intention or obligation to update or revise any forward-looking statements in this annual report as a result of new information or future events, except as may be required under applicable securities law.

Forward-looking statements in this annual report are based on current expectations and assumptions made by our management. Although our management believes that the expectations and assumptions on which such forward-looking statements are based are reasonable, undue reliance should not be placed on the forward-looking statements. We can give no assurance that they will prove to be correct. Additionally, forward-looking statements are subject to various risks and uncertainties which could cause actual results and experience to differ materially from the anticipated results or expectations expressed in this annual report. Important factors that could cause actual results to differ materially from those indicated by such forward-looking statements, or that could contribute to such differences, include, without limitation, the risks and uncertainties set forth under the section“Item 3. Key Information―D. Risk Factors.”