AGI AGBK

Rosa Rios is a member of our board of directors, a position she has held since January 2026. She served as the 43rd Treasurer of the United States from 2009 to 2016. In this role, she oversaw the Bureau of Engraving and Printing and the United States Mint, managing all currency and coin production activities. During her tenure, she led the initiative to place a woman's portrait on U.S. paper currency for the first time in over a century. Prior to her appointment as treasurer, Ms. Rios was managing director of investments at MacFarlane Partners, a real estate investment management firm. She holds a bachelor's degree from Harvard University and has been recognized with the Hamilton Award, the highest honor bestowed by the U.S. Department of the Treasury. She is currently the Chair of the U.S. Semiquincentennial Commission.

Marciano Testa is our founder, chairman, and a member of our board of directors, a position he has held since March 2018. He is also our chief executive officer, a position he has held since September 2021. Mr. Testa the co-founder of Instituto Caldeira, a private initiative aimed at accelerating digital transformation in the state of Rio Grande do Sul, where he currently serves as president. He holds a degree in economic sciences from Universidade do Vale do Rio dos Sinos (Unisinos), with a specialization in finance, and has completed the executive program at Singularity University and the owner/president management program at Harvard Business School.

Matheus Girardi is our chief sales officer, a position he has held since August 2023. He is responsible for channels, commercial operations, user experience, customer relationship and management and marketing. He joined Banco Agibank S.A. as an executive manager, where he led key initiatives that expanded customer service capacity and improved the institution's Net Promoter Score. He holds a bachelor's degree in information systems from Universidade do Vale do Rio dos Sinos (UNISINOS), a postgraduate degree in marketing from Universidade Federal do Rio Grande do Sul (UFRGS), and completed a chief marketing officer executive program at the Kellogg School of Management at Northwestern University and an executive program in leadership and strategy at the Massachusetts Institute of Technology (MIT).

Daniel Antonio Pires is our chief data and credit officer, a position he has held since May 2024. He has 16 years of experience in the financial sector, with roles at Banco Santander (Brasil) S.A., Citibank S.A., and Itau Unibanco S.A., where he focused on credit modeling and portfolio management, fraud prevention, data science and data engineering. He holds a degree in statistics and a specialization in credit management from Fundacao Instituto de Administracao (FIA). He joined Banco Agibank S.A. in 2019 and initially served as credit portfolio and modeling manager. In 2021, he became executive manager, overseeing data engineering, data science, business intelligence and fraud prevention, leading initiatives that promoted a data-driven culture within the organization.

Gabriel Felzenszwalb is a member of our board of directors, a position he has held since January 2026. A partner on the private equity team at Vinci Partners Investimentos Ltda., where he is also Co-Head of Private Equity, Mr. Felzenszwalb is a Director of Vinci Capital Gestora de Recursos LTDA. He has also served on the boards of several Vinci portfolio companies, including Burger King do Brasil S.A., Companhia de Locacao das Americas (Unidas), and Cecrisa Revestimentos Ceramicos S.A., and currently serves on the boards of Austral Participacoes S.A., Companhia Brasileira de Offshore (CBO), Vero S.A., Farmax S.A., E-Vino Comercio de Vinhos S.A., Clinica da Gavea S.A., AGV Logistica S.A. He joined the private equity group of UBS Pactual Gestora de Investimentos Alternativos Ltda. in 2007. From 2008 to 2010, he was seconded to InBrands S.A., a portfolio company, where he served as chief executive officer and chief financial officer. Prior to that, he worked as an analyst at Banco BBM S.A. in venture capital, as a management consultant at McKinsey & Company, as a mergers and acquisitions manager at Telefonica Brasil S.A. (Vivo), and as an associate at GP Investimentos Ltda. He holds a degree in engineering from Universidade Federal do Rio de Janeiro and a Master of Business Administration degree from Harvard Business School.

Mr. Linaris is a member of our board of directors, a position he has held since January 2026. Mr. Linaris has over 34 years of experience in finance and accounting, including 25 years at PwC, where he held various roles: eight years as an auditor, five years as a risk management consultant, and 12 years as a finance business advisor. A certified accountant, he served as the controller at StoneCo at the time of its Nasdaq IPO. Since 2018, he has been an independent consultant, partnering with local BPO offices (IrkoHirashima and Aurius) and the University of Sao Paulo foundation for accounting matters (FIPECAFI). He specializes in supporting high-growth companies to enhance their financial capabilities and prepare for the capital markets. In the financial services industry, Mr. Linaris has led projects related to strategy definition and implementation, finance operations models, budgeting and forecasting, and activity-based costing. At PwC, he also led the finance transformation consulting area, overseeing a team of approximately 70 professionals and delivering solutions in finance strategy & services, finance & accounting services, and enterprise performance management. Mr. Linaris's consultancy work also includes advising international private banks in Nassau, New York, Miami, and Grand Cayman, auditing Ecuador's financial system for the IMF in 1998, and contributing to the development of PwC's global Finance Transformation and Enterprise Performance Management methodologies in London in 2010. Mr. Linaris holds a bachelor's degree in accounting from the University Sao Paulo.

Marcello Winik Dubeux is our chief financial officer and investor relations officer, a position he has held since July 2024. Before joining us, he worked at major investment banks, including Banco Itau BBA S.A. and Banco Santander (Brasil) S.A., and served on the executive boards of companies in various sectors, including as chief financial officer. He has extensive experience in corporate finance, mergers and acquisitions, and capital raising, and has developed strategic initiatives with multicultural teams across different industries. He holds a degree in economics from Universidade Estadual de Campinas and a Master of Business Administration degree with a concentration in finance from Columbia Business School.

Daniel Krepel Goldberg is a member of our board of directors, a position he has held since January 2026. He is currently chief investment officer and partner at Lumina Capital Management Ltd., and previously served as partner and head of Latin America at Farallon Capital Management, L.L.C. from August 2011 to December 2021. He was president of Morgan Stanley S.A. in Brazil from April 2010 to August 2011. From January 2003 to December 2006, he led the Department of Economic Law within Brazil's Ministry of Justice, the predecessor agency to Brazil's current antitrust and consumer protection authorities. He holds both a bachelor's and a doctorate degree in law from Universidade de Sao Paulo and a Master of Laws degree from Harvard Law School.

Glauber Marques Correa is a member of our board of directors and our chief operating officer, positions he has held since January 2026. He is also the chief executive officer of Agibank Brazil, a position he has held since November 2021, and prior to that served for over five years as chief channels, growth, customer relationship management and business officer at Banco Agibank S.A. Earlier in his career, he held various roles at Caixa Economica Federal. He holds a master's degree in corporate finance from Universidade Presbiteriana Mackenzie, a Master of Business Administration degree in finance from Universidade Nove de Julho, and completed the executive program at Singularity University in the Silicon Valley. He also holds degrees in civil engineering and information technology.

Lucas Araujo de Aguiar is our chief personnel and governance officer, a position he has held since July 2021. He also serves as a partner of Banco Agibank S.A. Prior to assuming this position, he led the people function at XP Inc. and worked in management consulting at Falconi Consulting. He has over 17 years of experience in human resources, governance and operations. He holds a degree in business administration from Universidade Federal de Minas Gerais and a Master of Business Administration degree from the London Business School.

Aod Cunha de Moraes Junior is a member of our board of directors, a position he has held since January 2026. He served as chairman of Fundacao de Economia e Estatistica of the state of Rio Grande do Sul from 2003 to 2006; treasury secretary of the state of Rio Grande do Sul and chairman of the board of directors of Banco do Estado do Rio Grande do Sul S.A. (Banrisul) from 2007 to 2009; senior consultant to the World Bank in 2010; managing director at J.P. Morgan Brasil from 2011 to 2014; partner at Banco BTG Pactual S.A. from 2014 to 2016; and member of the board of directors of Banco PAN S.A. from 2015 to 2016. Mr. Cunha currently serves as a member of the board of directors of Gerdau S.A. and Grupo Vibra. He holds a PhD in economics from the Federal University of Rio Grande do Sul.

Vinicius Birkeland Aloe is our chief technology officer, a position he has held since April 2024. He also serves as a partner of Banco Agibank S.A. He has over 15 years of experience in retail, credit, analytics and pricing, including 16 years at Banco Santander (Brasil) S.A., three of which were at Banco Real S.A. prior to its acquisition. He also co-founded and served as chief executive officer of Emprestimo SIM, a fintech owned by Banco Santander (Brasil) S.A. He holds a degree in business administration from Universidade de Sao Paulo (USP) and a postgraduate degree in risk management from INSPER - Instituto de Ensino e Pesquisa.

Daniel Monteiro de Farias is our chief products officer, a position he has held since August 2023. He also serves as a partner of Banco Agibank S.A. He holds a degree in data processing technology from UNESP-FATEC and a postgraduate degree in IT project management from Universidade de Sao Paulo (USP). He has more than 20 years of experience in technology and product development in the financial services sector. He joined Banco Agibank S.A. in 2021, where he initially led the wallets, payments and investment platform teams, later serving as software engineering manager before assuming his current role.

Rafael de Oliveira Morais is our chief risk and controllership officer, a position he has held since March 2025. He holds a bachelor's degree in accounting from Universidade de Brasilia, a postgraduate degree in controllership and finance from Fundacao Getulio Vargas (FGV), and a doctorate in business administration from Universite de Bordeaux. He also completed executive education programs at London Business School, University of Chicago Booth School of Business, and the Wharton School at the University of Pennsylvania. Over a career spanning more than 23 years in the financial sector, he has served as vice- president of wholesale banking and chief financial officer at Caixa Economica Federal, as well as chief financial officer of Caixa Seguridade S.A. and Caixa Vida e Previdencia S.A. He has also held board positions at several institutions, including Paranapanema S.A., Too Seguros S.A., ANBIMA and the Credit Guarantee Fund (FGC). He now serves as risk officer and comptroller at Banco Agibank S.A.