<SEC-DOCUMENT>0000950103-20-012788.txt : 20200630
<SEC-HEADER>0000950103-20-012788.hdr.sgml : 20200630
<ACCEPTANCE-DATETIME>20200630074955
ACCESSION NUMBER:		0000950103-20-012788
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20200630
DATE AS OF CHANGE:		20200630

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			XP Inc.
		CENTRAL INDEX KEY:			0001787425
		STANDARD INDUSTRIAL CLASSIFICATION:	SECURITY BROKERS, DEALERS & FLOTATION COMPANIES [6211]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			E9
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		FWP
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	333-239531
		FILM NUMBER:		201000443

	BUSINESS ADDRESS:	
		STREET 1:		AV. CHEDID JAFET 75, TORRE SUL
		STREET 2:		30TH FLOOR, VILA OLIMPIA
		CITY:			SAO PAULO
		STATE:			D5
		ZIP:			00000
		BUSINESS PHONE:		55-11-3075-0429

	MAIL ADDRESS:	
		STREET 1:		AV. CHEDID JAFET 75, TORRE SUL
		STREET 2:		30TH FLOOR, VILA OLIMPIA
		CITY:			SAO PAULO
		STATE:			D5
		ZIP:			00000

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			XP Inc.
		CENTRAL INDEX KEY:			0001787425
		STANDARD INDUSTRIAL CLASSIFICATION:	SECURITY BROKERS, DEALERS & FLOTATION COMPANIES [6211]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			E9
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		FWP

	BUSINESS ADDRESS:	
		STREET 1:		AV. CHEDID JAFET 75, TORRE SUL
		STREET 2:		30TH FLOOR, VILA OLIMPIA
		CITY:			SAO PAULO
		STATE:			D5
		ZIP:			00000
		BUSINESS PHONE:		55-11-3075-0429

	MAIL ADDRESS:	
		STREET 1:		AV. CHEDID JAFET 75, TORRE SUL
		STREET 2:		30TH FLOOR, VILA OLIMPIA
		CITY:			SAO PAULO
		STATE:			D5
		ZIP:			00000
</SEC-HEADER>
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<DESCRIPTION>FORM FWP
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<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><IMG SRC="image_001.jpg" ALT="">&nbsp;</FONT></P>

<P STYLE="text-align: left; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer
Free Writing Prospectus dated June 30, 2020</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filed
Pursuant to Rule 433</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Relating
to Preliminary Prospectus dated June 29, 2020</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Registration
Statement No. 333-239531</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">This
free writing prospectus relates to the Class A common shares of XP Inc. (&ldquo;XP&rdquo; or the &ldquo;Company&rdquo;) and should
be read together with the preliminary prospectus dated June 29, 2020 (the &ldquo;Preliminary Prospectus&rdquo;), included in the
Registration Statement (&ldquo;Registration Statement&rdquo;) on Form F-1 (File No. 333-239531) relating to the offering of such
securities. Registration Statement may be accessed through the following link: </FONT><FONT STYLE="font-size: 10pt"><A HREF="https://www.sec.gov/Archives/edgar/data/1787425/000119312520182317/d948767df1.htm" STYLE="color: Blue"><FONT STYLE="font-family: Times New Roman, Times, Serif">https://www.sec.gov/Archives/edgar/data/1787425/000119312520182317/d948767df1.htm</FONT></A><FONT STYLE="font-family: Times New Roman, Times, Serif">.
</FONT>This free writing prospectus supplements and updates the information contained in the Preliminary Prospectus. You should
read the Preliminary Prospectus carefully, including the section entitled &ldquo;Risk Factors,&rdquo; before deciding to invest
in such securities.</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; color: #00AFEF"><FONT STYLE="font-size: 10pt"><B>XP
INC. ACQUIRES STAKE IN FINTECH ANTECIPA</B></FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; color: #00AFEF"><FONT STYLE="font-size: 10pt"><B>ENTERING
THE RECEIVABLES FINANCING MARKET </B></FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; color: #00AFEF">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt"><B>S&atilde;o
Paulo, Brazil, June 30, 2020 &ndash; XP Inc. (Nasdaq: XP)</B>, a leading, technology-driven financial services platform and a
trusted provider of&nbsp;low-fee&nbsp;financial products and services in Brazil, announced the acquisition of a majority stake
in Antecipa. Created as a digital platform for the financing of receivables, Antecipa's central objective is to offer an efficient
alternative for companies to optimize cash flow management. For XP Inc., the acquisition represents an opportunity to further
expand its product range and reinforce the company&rsquo;s presence in the Small to Medium Enterprise (SME) and corporate segments
in Brazil, similar to XP&rsquo;s transformational initiatives across the Retail, High-Income and Private Market channels.</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">Antecipa's
founders will maintain independence in managing the business, and leverage XP&rsquo;s structure, financial strength and, mainly,
the company&rsquo;s customer base to accelerate growth across the platform.</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">Through
its platform, Antecipa integrates buyers and suppliers, enabling credit transactions between companies without a bank serving
as an intermediary, thereby removing the banking spread and minimizing related costs. The company dynamically determines the discount
rate for each transaction, minimizing inefficiencies of current systems. Hence, through proprietary algorithms, the platform focuses
on optimizing cash flows by seeking a fair price for each transaction and an agile and intelligent process for the disbursement
of resources to suppliers.</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">Although
Antecipa operates in a market with existing providers, there remains a series of inefficiencies that can be minimized. According
to Bruno Constantino, XP Inc.&rsquo;s CFO, entering this segment at a time when companies need to optimize cost structures and
support suppliers, presents an important opportunity for XP to collaborate with partners to drive a quicker economic recovery.
&ldquo;Historically, the largest financial institutions have maintained the balance of power with companies in this market. We
aim to reduce concentration by promoting a more agile, transparent and innovative alternative for our customers. Together with
Antecipa, we intend to leverage our expertise to combine different financing alternatives for companies to optimize cash management,
and at the same time accelerate the development of the Brazilian capital markets, bringing more products through our ecosystem.&rdquo;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;Supply
chain financing has traditionally been offered by banks in Brazil, but often in combination with other less-attractive types of
financing. Our decision to partner with XP aligns with our client-centric approach.</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">Antecipa's
digital platform is focused on optimizing cash cycles across production chains. With XP&rsquo;s support, structure and credibility
we believe we can maximize our growth prospects,&rdquo; commented Camilo Telles, partner at Antecipa.</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;When
we invested in Antecipa, we were confident that with its innovative model and an experienced entrepreneurial management the company
would be able to transform the receivables financing market in Brazil. XP&rsquo;s acquisition reinforces the investment thesis
and provides Antecipa with additional growth opportunities,&rdquo; said Rodrigo Baer, partner at Redpoint eventures, which participated
in Antecipa&rsquo;s initial financing round.</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">The completion
of the transaction is subject to compliance with certain condition precedents, including prior authorization from the Central
Bank of Brazil, under the terms of the applicable regulations.</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 10pt"><B>Free Writing
Prospectus Legend</B></FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 10pt">The Company
has filed a registration statement (including a prospectus) with the SEC for the offering to which this communication relates.
Before you invest, you should read the prospectus in that registration statement and other documents the Company has filed with
the SEC for more complete information about the Company and this offering. You may get these documents for free by visiting EDGAR
on the SEC Web site at www.sec.gov. Alternatively, the Company, any underwriter or any dealer participating in the offering will
arrange to send you the prospectus if you request it from: <FONT STYLE="background-color: white">XP Investimentos, Tower 45, 55
West 46th Street, 30th Floor, New York, New York 10036; Morgan Stanley, Attention: Prospectus Department, 180 Varick Street, 2nd
Floor, New York, New York 10014; Goldman Sachs &amp; Co. LLC, Attention: Prospectus Department, 200 West Street, New York, New
York 10282, telephone: 1-866-471-2526, facsimile: 212-902-9316 or by emailing prospectus-ny@ny.email.gs.com; or J.P. Morgan, c/o
Broadridge Financial Solutions, Attention: Prospectus Department, 1155 Long Island Avenue, Edgewood, New York 11717, telephone:
1-866-803-9204.</FONT></FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 10pt">You may also
access the Company&rsquo;s preliminary prospectus dated June 29, 2020 included in the Company&rsquo;s registration statement on
Form F-1 through the following link: <A HREF="https://www.sec.gov/Archives/edgar/data/1787425/000119312520182317/d948767df1.htm" STYLE="color: Blue">https://www.sec.gov/Archives/edgar/data/1787425/000119312520182317/d948767df1.htm</A>.
This communication shall not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of,
these securities in any state or other jurisdiction in which such offer, solicitation or sale would be unlawful prior to the registration
or qualification under the securities laws of any such state or jurisdiction.</FONT></P>


<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt"><B>About
XP</B></FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">XP
is a leading, technology-driven financial services platform and a trusted provider of low-fee financial products and services
in Brazil. XP&rsquo;s mission is to disintermediate the legacy models of traditional financial institutions by:</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Educating
                                         new classes of investors; </FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Democratizing
                                         access to a wider range of financial services;</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Developing
                                         new financial products and technology applications to empower clients; and </FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 53.85pt"></TD><TD STYLE="width: 17.85pt"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Providing
                                         high-quality customer service and client experience in the industry in Brazil.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">XP
provides customers with two principal types of offerings, (i) financial advisory services for retail clients in Brazil, high-net-worth
clients, international clients and corporate and institutional clients, and (ii) an open financial product platform providing
access to over 600 investment products including equity and fixed income securities, mutual and hedge funds, structured products,
life insurance, pension plans, real-estate investment funds (REITs) and others from XP, its partners and competitors.</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt"><B>Forward
Looking Statements</B></FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">This
press release contains &quot;forward-looking statements&quot; within the meaning of the &quot;safe harbor&quot; 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 &quot;expect,&quot; &quot;anticipate,&quot; &quot;should,&quot; &quot;believe,&quot; &quot;hope,&quot;
&quot;target,&quot; &quot;project,&quot; &quot;goals,&quot; &quot;estimate,&quot; &quot;potential,&quot; &quot;predict,&quot;
&quot;may,&quot; &quot;will,&quot; &quot;might,&quot; &quot;could,&quot; &quot;intend,&quot; 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 XP Inc&rsquo;s control.</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">XP, Inc&rsquo;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, change in clients, regulatory measures, a change the external forces among other factors.</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt"><B>For any
questions, please contact:</B></FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Carlos Lazar,
    Head of Investor Relations</FONT></TD>
    <TD STYLE="text-align: right; width: 50%; font-size: 10pt"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #00AFEF"><B>Investor
Contact:</B></FONT>&nbsp;&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Blue"><U>ir@xpi.com.br</U></FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Andr&eacute; Martins,
    Investor Relations Specialist</FONT></TD>
    <TD STYLE="text-align: right; font-size: 10pt"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #00AFEF"><B>IR
Website:</B></FONT> &nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Blue"><U>investors.xpinc.com</U></FONT></P></TD></TR>
</TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
