»RNI competitive strengths include:

Experience in Brazil’s Interior:

RNI, a member of the Rodobens Companies group, stands out for its strategic location, contributing to the harnessing of growth potential in the interior cities of São Paulo, Minas Gerais, and the Central-West region. RNI’s expansion approach focuses on opportunities beyond major urban centers, consolidating its presence in an innovative and effective manner. The consolidated experience gained over more than 30 years of operation in the Brazilian market gives our company deep knowledge of the peculiarities of operating in the country’s interior. This expertise enables us to develop projects tailored to each locality and client profile, contributing to the realization of the dream of homeownership.

Diversity of Developments: RNI offers a wide range of products, allowing us to serve diverse audiences. The company’s developments are divided into:

· Brazilian Savings and Loan System (SBPE): The SBPE credit letter uses its own resources to facilitate customers’ acquisition of their properties. In this option, the buyer can own other properties, there is no income limit, and financing can be done within or outside the Housing Finance System. Within this category are the Origin and Reserve lines, which cater to high and medium-standard properties, and economic properties that do not fall under the Minha Casa Minha Vida (MCMV) program, such as the Moradas line, for example.

· Minha Casa Minha Vida: A Federal Government program that subsidizes part of the property’s value according to the customer’s income and profile. Each city has a ceiling for these values and RNI operates within this limit.

· Urbanism: The developer develops areas for residential urban subdivisions. These are planned open subdivisions and gated communities of residential lots with 24-hour security and differentiated leisure, always focusing on the comfort, convenience, and practicality of those customers who choose the concept of freedom to live. The projects prioritize the needs of each resident, defining aspects in their design that make each house unique and special. These developments have privileged structure and location, ensuring constant project appreciation.

Strategic Inventory:

The total inventory of the developer’s land and purchase options has an estimated General Sales Value (GSV) of R$ 5.6 billion. The lands are located in more than 61 cities in the interior of Brazil, including the states of São Paulo, Minas Gerais, Mato Grosso, Mato Grosso do Sul, Goiás, Bahia, and Santa Catarina.

Solid Experience and Reputation:

RNI is part of the Rodobens Companies group with over 70 years of experience and a solid reputation in the Brazilian market. The credibility of Rodobens Companies contributes to the formation of new strategic partnerships and to a perception of product reliability.

Strategy

With over 30 years in the Brazilian real estate market, RNI has solid commercial and financial strategies that support its national expansion planning. Founded in São José do Rio Preto in 1991, the developer continues with the commitment to fulfill the dream of home ownership, as evidenced by the more than 205 residential developments launched in 61 cities in 12 Brazilian states, totaling over 78 thousand units launched and 7.4 million square meters of built area, with quality real estate developments throughout the country.

»Sustainable Growth: RNI focuses on profitability and cash generation.

»Geographical Positioning and Product Mix:

The developer has extensive experience in developments in the Brazilian interior, operating in areas outside major commercial centers, mainly in the interior of São Paulo and Minas Gerais, and in medium-sized cities in the Central-West region. In these regions, competition is lower, which directly reflects on land costs. Moreover, these regions have currently shown growth above the country’s average. RNI has consolidated its presence in these regions, focusing on low, medium, and medium-high-income segments. The developments offer integrated quality solutions, leisure, security, and services, taking into account the specificities of each locality and customer profile.

»Inventory Expansion and Land in the Interior:

Lands are crucial for the ability to develop attractive projects for the target audience, at affordable prices and with appropriate profitability margins. The builder acquires areas to support this growth rebound, through expertise in the regions where it operates, as well as the support of partners, allowing the identification of new business opportunities. RNI seeks to acquire new areas through barter, minimizing cash exposure in developments.

»Financial Discipline and Cash Management:

The developer constantly seeks the most efficient financing alternatives to meet the resource needs of its projects, offering customers differentiated conditions for property acquisition. Therefore, one of the highlights is maintaining long-term partnerships and relationships with financing agents. RNI regularly evaluates opportunities to monetize assets, aiming to be a company with low financial leverage and a solid cash position. In addition, a strict cost management policy is adopted, ensuring better levels of operational efficiency. All structures operate in an integrated manner, maximizing commercial efforts and shareholder return.