<p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc">
<i xmlns="http://www.w3.org/1999/xhtml">Th...

<p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc">
<i xmlns="http://www.w3.org/1999/xhtml">The BRL 500 million transaction closed on June 18</i>

</p><p xmlns="http://www.w3.org/1999/xhtml">
Agibank, a bank that operates a hybrid platform combining the efficiency and scalability of digital with the proximity and service of a physical presence, announces the closing of the issuance of its seventh Public Financial Bill (Letra Financeira Pública). Agibank is a subsidiary of Agi Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/quote/AGBK">AGBK</a>) ("Agi").

</p><p xmlns="http://www.w3.org/1999/xhtml">
With an aggregate principal amount of BRL 500 million and a maximum tenor of 36 months, the proceeds will be used to fund the bank's lending operations. The issuance was structured in two tranches, with rates of CDI +0.60% and CDI +0.75%, and tenors of 24 and 36 months, respectively.

</p><p xmlns="http://www.w3.org/1999/xhtml">
"We are pleased with this issuance, completing another market transaction with pricing efficiency and further reinforcing our position as a recurring debt issuer in the Brazilian market. Transactions like this provide us with greater visibility and create the necessary foundation to scale in a market where we have deep expertise: secured lending for Brazilian consumers," said Marcello Dubeux, Chief Financial Officer and Investor Relations Officer at Agi.

</p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">About Agi</b>

</p><p xmlns="http://www.w3.org/1999/xhtml">
Agi stands for a banking experience that welcomes and empowers all Brazilians through a business model that is unique in Brazil. Designed to serve a customer base that represents the majority of the Brazilian population, our model addresses needs that remain outside the priorities of traditional large banks and purely digital banks. We fill a gap in the market by serving, with quality and dignity, customers who are often overlooked.

</p><p xmlns="http://www.w3.org/1999/xhtml">
Our hybrid model combines the best of both worlds: a fully digital bank that is light, fast, and easy to use, complemented by physical branches that offer a welcoming, agile, and accessible in-person experience for all Brazilians. We develop tailored solutions and provide a simple, inclusive customer journey for non-digital-native clients, creating a meaningful competitive advantage. This approach enables us to attract more customers, build long-lasting relationships, and strengthen our growth trajectory.

</p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">No Offer</b>

</p><p xmlns="http://www.w3.org/1999/xhtml">
This press release does not constitute an offer to sell or the solicitation of an offer to buy any securities.

</p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">Forward Looking Statements</b>

</p><p xmlns="http://www.w3.org/1999/xhtml">
This press release contains &#34;forward-looking statements&#34; within the meaning of the &#34;safe harbor&#34; provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are made as of the date they were first issued and were based on current expectations, estimates, forecasts and projections as well as the beliefs and assumptions of management. Words such as &#34;expect,&#34; &#34;anticipate,&#34; &#34;should,&#34; &#34;believe,&#34; &#34;hope,&#34; &#34;target,&#34; &#34;project,&#34; &#34;goals,&#34; &#34;estimate,&#34; &#34;potential,&#34; &#34;predict,&#34; &#34;may,&#34; &#34;will,&#34; &#34;might,&#34; &#34;could,&#34; &#34;intend,&#34; variations of these terms or the negative of these terms and similar expressions are intended to identify these statements. Forward-looking statements are subject to a number of risks and uncertainties, many of which involve factors or circumstances that are beyond Agi Inc's control. Agi Inc's actual results could differ materially from those stated or implied in forward-looking statements due to several factors, including but not limited to: competition, regulatory or tax developments, changes in its business, industry, or local or global economic and other developments

</p><p xmlns="http://www.w3.org/1999/xhtml"><img xmlns="http://www.w3.org/1999/xhtml" alt="" src="https://cts.businesswire.com/ct/CT?id=bwnews&amp;sty=20260618297599r1&amp;sid=benz2&amp;distro=nx&amp;lang=en" style="width:0;height:0"></img><span xmlns="http://www.w3.org/1999/xhtml" class="bwct31415"></span></p><p xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink"><span xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink-phrase">View source version on businesswire.com: </span><span xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink-link"><a xmlns="http://www.w3.org/1999/xhtml" href="https://www.businesswire.com/news/home/20260618297599/en/" rel="nofollow">https://www.businesswire.com/news/home/20260618297599/en/</a></span></p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">Press Contact 
</b><br xmlns="http://www.w3.org/1999/xhtml"></br>Email: <a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="mailto:press@agibank.com.br" shape="rect">press@agibank.com.br 
</a><br xmlns="http://www.w3.org/1999/xhtml"></br>Website: <a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Finvestors.agiinc.com&amp;esheet=54556998&amp;newsitemid=20260618297599&amp;lan=en-US&amp;anchor=investors.agiinc.com&amp;index=1&amp;md5=c6a20d2b488aabb6efea9fba677bcf16" shape="rect">investors.agiinc.com</a>

</p>

AGBK

Agibank Concludes Its Seventh Issuance of Public Financial Bills in Brazil

AGI Inc closes BRL 500 million debt issuance to fund Agibank

<section class="insight" data-version="1">
  <section data-block="information">
    <h3>Information</h3>
    <p>&lt;p xmlns=&quot;http://www.w3.org/1999/xhtml&quot; class=&quot;bwalignc&quot;&gt;
&lt;i xmlns=&quot;http://www.w3.org/1999/xhtml&quot;&gt;Th...</p>
  </section>

  <section data-block="ai-summary-paragraph">
    <h3>AI Summary</h3>
    <p>Agi Inc. (NYSE: AGBK) announced the closing of a BRL 500 million Public Financial Bill for Agibank, split into two tranches at CDI+0.60% and CDI+0.75% with 24- and 36-month tenors. The proceeds will fund Agibank&#039;s secured lending, underscoring continued access to Brazilian funding channels and supporting growth in its hybrid digital-physical model. This reflects sustained debt-market access and potential near-term earnings stability from improved funding costs.</p>
  </section>

  <section data-block="ai-summary-bullets">
    <h3>Key Points</h3>
    <ul><li>BRL 500 million public financial bill closed June 18; funding lending ops.</li><li>Two tranches priced CDI+0.60% and CDI+0.75%; 24 and 36-month tenors.</li><li>Proceeds to fund Agibank&#039;s lending operations; reinforces recurring debt issuer status.</li><li>CFO cites pricing efficiency and greater visibility for scaling secured lending.</li><li>No Offer; forward-looking statements cautionaries included.</li></ul>
  </section>

  <section data-block="companies-mentioned">
    <h3>Companies Mentioned</h3>
    <ul><li><strong>Agi Inc. (AGBK)</strong>: Parent company; debt issuance reinforces access to Brazilian debt markets and supports AGBK&#039;s growth.</li><li><strong>Agibank (N/A)</strong>: Brazilian bank using proceeds to fund secured lending; directly linked to AGBK&#039;s operating subsidiary.</li></ul>
  </section>

  <section data-block="category">
    <h3>Corporate Developments</h3>
    <p>Category: Corporate Developments. This is a financing/issuance event by the parent company that affects the subsidiary&#039;s funding, cash flow, and growth trajectory, fitting the corporate developments lens rather than earnings or M&amp;A.</p>
  </section>

  <section data-block="market-moving">
    <h3>Market-Moving</h3>
    <ul><li>BRL 500 million debt issuance adds visible funding depth for Agibank.</li><li>Two-tranche pricing implies modestly above-CDI cost of funds.</li><li>Enhances AGBK&#039;s mechanism to scale secured consumer lending in Brazil.</li><li>News may positively influence risk perception of AGBK’s funding stability.</li></ul>
  </section>

  <section data-block="key-facts">
    <h3>Key Facts</h3>
    <ul><li>Aggregate principal: BRL 500 million.</li><li>Tranches: CDI +0.60% and CDI +0.75%.</li><li>Tenors: 24 months and 36 months.</li><li>Close date: June 18.</li><li>Issuer: Agibank, subsidiary of Agi Inc (NYSE: AGBK).</li></ul>
  </section>

  <section data-block="trading-thesis">
    <h3>Trading Thesis</h3>
    <p>Bullish near-term on AGBK if funding access improves; monitor margins and loan growth over 2–4 quarters.</p>
  </section>
</section>


<article>
  <p><em>The BRL 500 million transaction closed on June 18</em></p>

  <section>
    <h2>Agibank closes seventh Public Financial Bill issuance (AGBK)</h2>
    <p>Agibank, a bank that operates a hybrid platform combining the efficiency and scalability of digital with the proximity and service of a physical presence, announces the closing of the issuance of its seventh Public Financial Bill (Letra Financeira Pública). Agibank is a subsidiary of Agi Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/quote/AGBK">AGBK</a>) ("Agi").</p>

    <p>With an aggregate principal amount of BRL 500 million and a maximum tenor of 36 months, the proceeds will be used to fund the bank's lending operations. The issuance was structured in two tranches, with rates of CDI +0.60% and CDI +0.75%, and tenors of 24 and 36 months, respectively.</p>
  </section>

  <section>
    <h3>Management commentary on the transaction</h3>
    <p>"We are pleased with this issuance, completing another market transaction with pricing efficiency and further reinforcing our position as a recurring debt issuer in the Brazilian market. Transactions like this provide us with greater visibility and create the necessary foundation to scale in a market where we have deep expertise: secured lending for Brazilian consumers," said Marcello Dubeux, Chief Financial Officer and Investor Relations Officer at Agi.</p>
  </section>

  <section>
    <h3>About Agi</h3>
    <p><strong>Agi</strong> stands for a banking experience that welcomes and empowers all Brazilians through a business model that is unique in Brazil. Designed to serve a customer base that represents the majority of the Brazilian population, our model addresses needs that remain outside the priorities of traditional large banks and purely digital banks. We fill a gap in the market by serving, with quality and dignity, customers who are often overlooked.</p>

    <p>Our hybrid model combines the best of both worlds: a fully digital bank that is light, fast, and easy to use, complemented by physical branches that offer a welcoming, agile, and accessible in-person experience for all Brazilians. We develop tailored solutions and provide a simple, inclusive customer journey for non-digital-native clients, creating a meaningful competitive advantage. This approach enables us to attract more customers, build long-lasting relationships, and strengthen our growth trajectory.</p>
  </section>

  <section>
    <h3>No Offer</h3>
    <p>This press release does not constitute an offer to sell or the solicitation of an offer to buy any securities.</p>
  </section>

  <section>
    <h3>Forward Looking Statements</h3>
    <p>This press release contains "forward-looking statements" within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are made as of the date they were first issued and were based on current expectations, estimates, forecasts and projections as well as the beliefs and assumptions of management. Words such as "expect," "anticipate," "should," "believe," "hope," "target," "project," "goals," "estimate," "potential," "predict," "may," "will," "might," "could," "intend," variations of these terms or the negative of these terms and similar expressions are intended to identify these statements. Forward-looking statements are subject to a number of risks and uncertainties, many of which involve factors or circumstances that are beyond Agi Inc's control. Agi Inc's actual results could differ materially from those stated or implied in forward-looking statements due to several factors, including but not limited to: competition, regulatory or tax developments, changes in its business, industry, or local or global economic and other developments</p>
  </section>

  <section>
    <h3>Quick Facts</h3>
    <ul>
      <li><strong>Aggregate principal amount:</strong> BRL <strong>500 million</strong></li>
      <li><strong>Maximum tenor:</strong> <strong>36 months</strong></li>
      <li><strong>Issuance structure:</strong> two tranches at CDI +0.60% and CDI +0.75%</li>
      <li><strong>Tenors by tranche:</strong> 24 months and 36 months</li>
      <li><strong>Closing date:</strong> June 18</li>
      <li><strong>Issuer:</strong> Agibank, a subsidiary of Agi Inc. (NYSE: <strong>AGBK</strong>)</li>
    </ul>
  </section>

  <section>
    <h3>Press Contact</h3>
    <p>Email: <a href="mailto:press@agibank.com.br" rel="nofollow">press@agibank.com.br</a></p>
    <p>Website: <a href="https://investors.agiinc.com" rel="nofollow">investors.agiinc.com</a></p>
  </section>
</article>

Agi Inc. (NYSE: AGBK) announced the closing of a BRL 500 million Public Financial Bill for Agibank, split into two tranches at CDI+0.60% and CDI+0.75% with 24- and 36-month tenors. The proceeds will fund Agibank's secured lending, underscoring continued access to Brazilian funding channels and supporting growth in its hybrid digital-physical model. This reflects sustained debt-market access and potential near-term earnings stability from improved funding costs.

Agibank Concludes Its Seventh Issuance of Public Financial Bills in Brazil

AI Summary

Sentiment Rationale

Trading Thesis

Market-Moving

Key Facts

Companies Mentioned

Corporate Developments

Related News