StoneCo Ltd.

Good evening, ladies and gentlemen. Thank you for standing by. Welcome to the StoneCo third quarter 2021 earnings conference call. By now, everyone should have access to our earnings release. The company also posted a presentation to go along with its call. All materials can be found at www.stone.co on the investor relations section. Throughout this conference call, the company will be presenting non-IFRS financial information including adjusted net income and adjusted free cash flow. These are important financial measures for the company, but are not financial measures as defined by the IFRS. Reconciliations of the company's non-IFRS financial information to the IFRS financial information appear in today's press release. Finally, before we begin our formal remarks, I would like to remind everybody that today's discussion might include forward-looking statements. These forward looking statements are not guarantees of future performance and therefore you should not put undue reliance on them. These statements are subject to numerous risks and uncertainties that could cause actual results to differ materially from the company's expectations. Please refer to the forward looking statements disclosure in the company's earnings press release. In addition, many of the risks regarding the business are disclosed in the company's form 1020F filed with the Securities and Exchange Commission which is available at www.sec.gov. Please note, this event is being recorded. I would now like to turn the conference over to your host, Rafael Martins, VP of Finance and Investor Relations Officer at SoCo. Please proceed.

Rafael Martins Thank you, Operator, and good evening, everyone. Joining us here today, we have Thiago Piau, our CEO, Lia Matos, Chief Strategy Officer, and Marcelo Baldin, our CFO. Today, we'll present our third quarter 2021 operational and financial results, as well as discuss some recent trends that we are observing. Now, I'll pass it over to Thiago so he can share the main highlights of our performance. Thiago?

Thank you, Rafa, and good evening, everyone. As we start a new phase of our business with the full integration of Lynx, and as we complete three years as a public company, I want to start on page one by talking about what motivates us to work hard every day, which is our purpose. Our purpose is to serve the Brazilian entrepreneur, transforming their dreams into results. In our point of view, any person who wakes up every morning to build or run a business is an entrepreneur. We want to help them think bigger and turn their dreams into business results by serving them with excellence and helping their business to thrive. We believe that serving entrepreneurs is the best way we can positively impact Brazilian society. We want to do this by promoting fair financial relationships, enhancing business productivity and providing more sales options. We aspire to be a positive force to transform the retail and financial industry for more balanced relationships. To achieve our goals, we decided to build the best financial operating system for Brazilian entrepreneurs. Since our early beginnings, we have always strived to build our business around merchants. This has motivated us to build the hyperlocal distribution that enables us to be closer to our clients, the proprietary technology that provides cost efficiency and the reliability that our clients want, and the best customer service in our industry. With the acquisition of Lynx and our current set of solutions for multiple retail verticals, we seek to build the best workflow tools to generate efficiency for our merchants and help them sell more through multiple channels. We are only at the beginning of our journey in combining software and financial services to bring even more tangible results to our clients, and we are really excited with the opportunities ahead.