Banco Sofisa : Notice to the Market - Real-estate-guaranteed loans

São Paulo, August 29, 2016.

Sofisa uses digital experience to operate with real-estate-guaranteed loans

As yet another example of digital innovation, Sofisa Direto, Brazil's first 100% online bank, has begun offering loans guaranteed by real estate. It is the only institution to undertake the entire process on the internet, up to and including signature of the contract.

In addition to its online model, Sofisa Direto is the only bank where clients do not pay for the property appraisal, registration fees, legal analysis and other charges.

"Real-estate-guaranteed loans are personal loans of up to R$2 million with terms of 12 to 180 months. As of today, clients can request these loans and have them approved entirely online, with security and practicality, through an institution with consolidated digital operations,'' declared Leo Cherman, head of Sofisa Direto.

The product, initially geared towards property-owning individuals in Greater São Paulo and the São Paulo Metropolitan Region, is an advantageous option for those in need of credit, given that interest rates are lower than for other types of loan (as of 1.39% per month), such as overdraft facilities, credit cards or payroll- deductible loans.

In order to obtain such loans, clients must have concluded payment of the property, which must be worth between R$200,000 and R$5 million, and all its documentation must be in order. Clients can finance up to 60% of the appraised value (financing limit of R$2 million) and can continue to live in the property, which will remain in their name until settlement of the loan..

BANCO SOFISA S.A.

www.sofisa.com.br/ri 1