This Policy aims to establish robust guidelines for FacilitaPay's liquidity management, which operates exclusively in the post-paid mode, not granting credit to customers. The objective is to ensure that FacilitaPay maintains adequate levels of liquidity to meet all its financial obligations, even in stress situations, ensuring the continuity of operations and the confidence of customers and stakeholders.

This Policy is applicable to all FacilitaPay Employees who perform Liquidity Risk management for FacilitaPay and/or manage FacilitaPay Accounts.

Liquidity risk is the possibility of the Payment Institution not being able to efficiently honor its current and future obligations, both expected and unexpected, harming its daily operations and incurring significant losses, in addition to not being able to convert electronic currency into physical or book-entry currency at the time of the user's request.

In order to control and mitigate liquidity risk, processes have been defined and developed with the objective of monitoring activities, addressing occurrences mitigating liquidity risk and suggesting improvements.

To identify these risks, information on daily movement of applications and control is evaluated through signaling of changes that may indicate insufficient financial resources to honor obligations, such as identification of all cash inflows and outflows, categorized by term, evaluation of different stress scenarios, including market crises, loss of major customers and operational failures, and continuous monitoring of key indicators, such as immediate liquidity ratio, liquidity coverage and liquidity gap.

The contingency plan consists of a set of measures that should be activated in times of liquidity crisis to meet FacilitaPay's needs. In situations of specific liquidity stress or systemic liquidity crisis that result in a significant reduction in reserve levels, the contingency plan should be activated upon approval of the Board of Directors, formalized by email, and will include:

- Shareholders' Capital: through capital injection; and
- Financing acquired from Banks (Public and/or Private): in the form of credit lines.

FacilitaPay adopts a liquidity risk management structure and processes compatible with the nature of its activities and the complexity of its products and services.

The liquidity risk management structure is composed of the Board of Directors, Risk Management Committee, and the Liquidity Manager, who perform the following functions:

- Board of Directors: Responsible for approving the liquidity policy and for general supervision.
- Risk Management Committee: Oversees the implementation of the policy and periodically reviews the liquidity strategy.
- Liquidity Manager: Responsible for executing liquidity policies and strategies on a day-to-day basis.

FacilitaPay is committed to the continuous improvement of its risk management structure. Feedback, learning from events, and changes in the environment will be used to evolve and improve policies, internal controls, and processes associated with liquidity risk management.

As FacilitaPay may face unique risks compared to traditional financial institutions, the institution is committed to staying updated on industry best practices and regulatory developments relevant to its business model. This documentation is subject to a minimum annual review or whenever necessary.

If you wish to revoke the consent granted under this Privacy Policy or eliminate your Personal Data from FacilitaPay's database, you must request the revocation of consent or the elimination of your Personal Data directly to FacilitaPay. Uninstalling the application (when using the FacilitaPay Platform in its app mode) is not sufficient to revoke your consent and/or delete your Personal Data from FacilitaPay's database.

FacilitaPay will store your request for revocation and/or elimination and, after the end of the Processing period of your Personal Data, will provide for the destruction or anonymization, at FacilitaPay's sole discretion, of information capable of identifying you, without prejudice to the possibility of conservation and use of your Personal Data for legal and regulatory purposes by FacilitaPay. Additionally, in cases where FacilitaPay is acting exclusively as a Personal Data operator, the above rights must be exercised directly with the controller, i.e., the natural or legal person, under public or private law, to whom the decisions regarding the Processing of Personal Data are assigned.