Investor Guide

Alba Invest is an electronic participatory investment platform authorized by the Brazilian Securities and Exchange Commission (CVM) to distribute public offerings of securities issued by small-sized companies, automatically exempted from registration, in accordance with CVM Resolution No. 88/2022.

Through Alba Invest, companies organize their public investment offerings and both individuals and legal entities can invest in alternative investment opportunities through a digital environment with access to offering documentation.

1. Browse available offerings — Access the investment offerings available on the platform.
2. Choose and set the amount — Select an offering and define the investment amount (minimum or any multiple thereof).
3. Sign the Risk Acknowledgment — Before confirming, sign the risk acknowledgment form directly on the offering page.
4. Transfer funds — Transfer the funds to the designated segregated payment account.
5. Track your investment — Monitor your investment progress through the platform.

• Each offering may raise up to R$ 15,000,000.00 (fifteen million Brazilian reais).
• The offering period is up to 180 days.
• The minimum fundraising target must be at least 2/3 of the target amount.
• If the minimum target is not reached, the offering is cancelled and the funds are returned to investors.
• The minimum investment amount is defined by each offering.

After making the investment reservation, funds are transferred to a segregated payment account, maintained at a payment institution regulated by the Central Bank of Brazil. This account is separate from the platform's own accounts.

Securities distributed through the platform may include:

Income tax on investment returns follows the regressive tax table:

Each issuing company defines its own valuation using methodologies such as discounted cash flow (DCF), market comparables, or revenue multiples. The valuation is a subjective estimate and the investor should conduct their own analysis before investing.

For debt securities, the yield is defined in the offering terms and may be fixed-rate, floating-rate (CDI, SELIC, IPCA), or variable based on the operation's performance.

After the offering is completed, the issuing company must periodically report to investors, including:

• Financial statements (at least annually)
• Performance reports on the use of raised funds
• Updates on material facts affecting the business

The platform provides a communication channel between investors and the issuing company to facilitate monitoring.

The platform conducts a preliminary analysis (due diligence) of each company and operation before making it available to investors, including:

• Review of the company's legal and financial documentation
• Verification of registration and tax compliance
• Assessment of business viability and market potential
• Analysis of guarantees and protection structure

Important: The platform's analysis does not constitute a guarantee of return or elimination of risk. The investment decision is the sole responsibility of the investor.

• Distribution fee: A percentage charged on the total amount raised in each offering, paid by the issuing company.
• Performance fee: May be charged on investment returns, limited to a maximum of 20% of the investor's capital gain.

The specific fees for each offering are disclosed in the offering materials before the investment.

Diversification: We recommend not allocating more than 5% of your portfolio to this type of investment and diversifying across multiple offerings.