Investment products

Banco Ourinvest S.A. (“Ourinvest”) may issue and, in certain cases, distribute the following investment products of its issuance (“Products”), whose main characteristics and conditions are described below.

For more information about the Products, please contact us:

Bank Deposit Certificate (“CDB”):

The CDB is a credit instrument issued privately by financial institutions that raise funds under the form of a “term deposit”.
They are nominative, transferable and freely negotiable securities. They are classified as “Income” securities.

The CDB represent a promise to pay, at a future date, the amount deposited with the issuer, plus the agreed remuneration.

The main characteristics of the CDB (such as its rate, expiration period, and grace period) may vary and are defined and reported at the time of hiring. Your compensation may be prefixed or post-fixed, and in this case, it may be based on several indexers, the most used of which is the TAX-DI.

It is possible to find CBD options with daily liquidity, which means that the investor can redeem the money on the day they want, until the due date.

The CDB are intended for the general public, that is to say, any individual or legal entity, subject to the suitability profile of the appropriate investor for the Product.

Investments in CDB are guaranteed by the Credit Guarantee Fund for a limit of up to R$250,000.00 per CPF or CNPJ, and per set of deposits and investments in each financial institution or conglomerate. The amount is limited to the ceiling of R$ 1 million, every 4-year period, for guarantees paid for each CPF or CNPJ. For more information about the FGC guarantee, see the FGC website, available at https://www.fgc.org.br/

Income from CDBs is taxed by Income Tax (“IR”), according to the regressive table:

In addition, there is currently an incidence of Financial Transactions Tax (IOF) when the period between the purchase and the sale/redemption of the CDB is less than 30 days.
The main risk factors associated with CDB are those inherent to the issuer's ability to pay and anything that could harm or impact it. This risk is characterized as credit risk and is related to the financial health of the issuer of the securities and is linked to the possibility of losses resulting from the debtor's inability to fulfill its obligations or to any other event that may deteriorate the company's credit during the term of the term of the paper.

In addition to these risks, we highlight the following:

Liquidity risk: There is no guarantee of liquidity and of the early sale of the CDB unless it was contracted with liquidity on the date of issue. If it is necessary to sell the CDB on the secondary market (i.e., before maturity), the investor will be subject to current market conditions at the time of the request for liquidity, which may result in losses due to the unavailability of buyers for the asset or of a counterparty that is willing to pay the price requested by the seller.

Market risk: Due to variations in the macroeconomic scenario, including cyclical changes, in monetary and fiscal policy, CBDs are subject to losses as a result of fluctuations in price, exchange and interest rate indices.

Ourinvest does not receive any compensation, directly or indirectly, for the distribution of CDB issued by its issuance and does not currently distribute CDB issued by other institutions.

Real Estate Credit Letter (“LCI”):

LCI are fixed income securities issued by financial institutions, backed by credit transactions with real estate collateral.

The LCI represent a promise to pay, at a future date, the amount paid for their acquisition to the issuer, plus the agreed remuneration.

The main characteristics of LCI (such as their rate, expiration period, and grace period) may vary and are defined and reported at the time of hiring. Your compensation may be prefixed or post-fixed, and in this case, it may be based on several indexers.

The minimum maturity period for this asset varies according to the indexer it has: (i) 36 months, when the security is updated monthly by price index; (ii) 12 months, for other cases. These deadlines must be counted from the date of acquisition of the bond from the issuing institution. In those periods, the issuing institution will not be able to repurchase or redeem the LCI.

The LCI are aimed at the general public, that is to say, any individual or legal entity, subject to the suitability profile of the appropriate investor for the product.

Investments in LCI are guaranteed by the Credit Guarantee Fund for a limit of up to R$250,000.00 per CPF or CNPJ, and per set of deposits and investments in each institution or financial conglomerate. The amount is limited to the ceiling of R$ 1 million, every 4-year period, for guarantees paid for each CPF or CNPJ. For more information about the FGC guarantee, see the FGC website, available at https://www.fgc.org.br/

Investing in LCI is exempt from Income Tax (“IR”) for individuals, both in terms of income and capital gain.

LCI income earned by legal entities is taxed by Income Tax (“IR”), according to the regressive table:

As the LCI has a minimum period of 90 days, in practice they are subject to the zero rate of Financial Transactions Tax (“IOF”), which is levied on fixed income transactions with a term of less than 30 days. The main risk factors associated with LCI are those inherent to the issuer's ability to pay and anything that could harm or impact it. This risk is characterized as credit risk and is related to the financial health of the issuer of the securities and is linked to the possibility of losses resulting from the debtor's inability to fulfill its obligations or to any other event that may deteriorate the company's credit during the term of the term of the paper.

In addition to these risks, we highlight the following:

Liquidity risk: There is no guarantee of liquidity and of the early sale of LCI unless you were contracted with liquidity on the date of issue. If it is necessary to sell the LCI in the secondary market (i.e., before maturity), the investor will be subject to the current market conditions at the time of the request for liquidity, which may result in losses due to the unavailability of buyers for the asset or of a counterparty that is willing to pay the price requested by the seller. The issuer cannot repurchase the LCI before their minimum maturity period, which aggravates the liquidity risk.

Market risk: Due to variations in the macroeconomic scenario, including cyclical changes, in monetary and fiscal policy, LCIs are subject to losses as a result of fluctuations in price, exchange and interest rate indices.

Ourinvest does not receive any compensation, directly or indirectly, for the distribution of LCI issued by its issuance and does not currently distribute LCI issued by other institutions.

Agribusiness Letter of Credit (“LCA”):

LCAs are fixed income securities issued by financial institutions, backed by credit transactions originating from deals carried out between rural producers, or their cooperatives, and third parties, including loans or loans, related to the production, commercialization, processing, or industrialization of agricultural products or inputs or of machinery and implements used in agricultural activity.

The LCAs represent a promise to pay, at a future date, the amount paid for their acquisition to the issuer, plus the agreed remuneration.

The main characteristics of LCAs (such as their rate, expiration period, and grace period) may vary and are defined and reported at the time of hiring. Your compensation may be prefixed or post-fixed, and in this case, it may be based on several indexers.

The minimum maturity period for this asset varies according to the indexer it has: (i) 12 months, when the security is updated annually by price index; and (ii) 9 months, when it is not updated by price index. These deadlines must be counted from the date of acquisition of the bond from the issuing institution. In those periods, the issuing institution will not be able to repurchase or redeem the LCA.

The LCAs are intended for the general public, that is to say, any individual or legal entity, subject to the suitability profile appropriate to the product.

Investments in LCA are guaranteed by the Credit Guarantee Fund for a limit of up to R$250,000.00 per CPF or CNPJ, and per set of deposits and investments in each financial institution or conglomerate. The amount is limited to the ceiling of R$ 1 million, every 4-year period, for guarantees paid for each CPF or CNPJ. For more information about the FGC guarantee, see the FGC website, available at https://www.fgc.org.br/

Investing in LCA is exempt from Income Tax (“IR”) for individuals, both in terms of income and capital gain, and has a zero rate of Financial Transactions Tax (“IOF”).

LCA income earned by legal entities is taxed by Income Tax (“IR”), according to the regressive table:

In addition to these risks, we highlight the following:

Liquidity risk: There is no guarantee of liquidity and of the early sale of LCA unless you were contracted with liquidity on the date of issue. If it is necessary to sell the LCA on the secondary market (i.e., before maturity), the investor will be subject to current market conditions at the time of the request for liquidity, which may result in losses due to the unavailability of buyers for the asset or of a counterparty that is willing to pay the price requested by the seller. The issuer cannot repurchase the LCA before their minimum maturity period, which aggravates the liquidity risk.
‍
Market risk: Due to variations in the macroeconomic scenario, including cyclical changes, in monetary and fiscal policy, LCAs are subject to losses as a result of fluctuations in price, exchange and interest rate indices.

Ourinvest does not receive any compensation, directly or indirectly, for the distribution of LCA issued by its issuance and does not currently distribute LCA issued by other institutions.

The main risk factors associated with LCAs are those inherent to the issuer's ability to pay and anything that could harm or impact it. This risk is characterized as credit risk and is related to the financial health of the issuer of the securities and is linked to the possibility of losses resulting from the debtor's inability to fulfill its obligations or to any other event that may deteriorate the company's credit during the term of the term of the paper.

FGC press release
‍
Dear customer,

Informamos que os saldos mantido sem depósito em conta corrente, aplicação em caderneta de poupança, investimentos em depósitos a prazo (CDB/RDB), Letras de Câmbio, Letras Hipotecárias, LCI, LCA e LCD, entre outros, mantidos nesta instituição financeira, são garantidos pelo Fundo Garantidor de Créditos (FGC). O FGC é uma associação privada, sem fins lucrativos, que atua como mecanismo de proteção aos depositantes e investidores, garantindo a restituição de valores em caso de falência ou intervenção de instituições financeiras associadas.

A existência de mecanismos de proteção, como a garantia de depósitos oferecida pelo FGC, é fundamental para saúde do sistema financeiro brasileiro, assegurando o reembolso dos valores depositados ou investidos em situações de intervenção ou de liquidação das instituições financeiras por parte do Banco Central do Brasil (BCB). Essa garantia é limitada a R$ 250 mil por CPF ou CNPJ, para cada instituição financeira. No caso de instituições que façam parte de um mesmo conglomerado financeiro, os valores investidos em diferentes entidades do mesmo grupo são somados para o cálculo desse limite.

Cabe destacar que não existe um prazo definido na legislação para o pagamento da garantia em caso de liquidação de instituição financeira. O pagamento somente se inicia depois que oliquidante, apontado pelo BCB, consolida a lista de credores com os respectivos valores de cada um. Nos casos mais recentes de liquidação, esse período tem sido de, aproximadamente, de um a dois meses.

Para casos de pagamentos de garantias em decorrência de mais de uma intervenção ou liquidação de instituições financeiras, ressaltamos que o limite total é de R$ 1 milhão para cada período de quatro anos, contado a partir da data do primeiro pagamento de garantia. Uma vez encerrado esse ciclo, o limite total de cobertura é integralmente restabelecido.

‍Atenção: O FGC garanteapenas os produtos financeiros indicados em seu Regulamento, nas condições elimites ali descritos. O FGC não garante aplicações em Fundos de investimento, Letras Financeiras, Letras Imobiliárias Garantidas (LIG), Ações, Títulos de Capitalização e previdência privada, entre outras.

‍Importante: O FGC não atua como instituição financeira e, portanto, não oferece créditos ou empréstimos a pessoas físicas. Desta forma, o FGC não disponibiliza recursos ou dinheiro parao público em geral. Para mais informações, acesse o site: www.fgc.org.br

Ouribank S.A. Banco Múltiplo