AGI Inc.

Our Evolution Our journey began over 25 years ago with a vision from our founder, Mr. Marciano Testa: to make credit more accessible and affordable for the Brazilian consumers who needed it most. While still a college student in 1999, Mr. Testa founded Agiplan, the first building block of what eventually became the Agi that we are today. As our business grew, we identified new opportunities and adapted our strategy to better serve our target customers. In each phase, we strengthened our business, enabling us to offer our consumers greater value. The key phases of our evolution are: 57 Dates Phase Description Learnings & Development 1999 2004 The Early Days of Agiplan 1999 Marciano founded Agiplan, a distributor of various financial products for large Brazilian institutions. How to acquire and serve customers in the low-income segment. 2004 2011 Agiplan Takes Off 2004 Identified an opportunity to make credit more inclusive and affordable with the introduction of the social security benefits loan product in Brazil. Deep expertise in social security benefits loans. How to originate credit at scale. The specific needs and pain points of elderly and retiree communities. 2012 2019 Becoming Agibank 2012 Received our license to operate as a financial institution. 2016 Agiplan acquired Banco Gerador, a fully licensed bank. 2018 Rebranded as Agibank. How to underwrite credit to the low-income segment. Full bank product suite, including a digital account and insurance products. Our Hyper-Local Smart Hub Network.