Private & Confidential — For Existing Shareholders and Certified Investors Only — Not for Public Distribution

A Letter from the Co-Founder

Introducing Ponte Finance

Dear Investors,

I am pleased to introduce Ponte Finance, a new PLC in the United Kingdom that presents a distinctive investment opportunity for experienced investors and those beginning their journey alike.

At Ponte Finance, we believe in financial inclusion — opening the opportunity to participate in an innovative financial institution built on solid foundations.

Ponte Finance specialises in bridging loans, supporting property developers and investors at every level. We operate efficiently, with an estimated annual profitability ranging from 15% to 35% gross profit before tax.

The Offer

Share Price

£2 per share

Minimum Purchase

£1,000 = 500 shares

Shares Available

9.6M

Company Valuation

£20M

Based on annual profitability, the estimated ROI ranges between 5% and 15%. We expect the share value to increase between 5 and 6 times within 1 to 2 years, based on a 4x EBITDA valuation basis — with some market evaluations reaching up to 9x EBITDA.

Our business model is structured to mitigate risk: all loans are secured against real estate assets, and all legal costs — along with administrative and exit fees — are covered by the borrower.

I invite you to join us on this journey of growth and innovation at Ponte Finance, and to be part of a transformation in the financial sector.

Best regards,

SR

Sansão Rodrigues

Co-Founder · Ponte Finance

Be part of the journey

For full offer documentation, share purchase details or any questions, contact our team directly through your Shareholder Area.

Access the Shareholder Area →

Important information: This communication is intended exclusively for existing shareholders of Ponte Finance PLC and investors who have been certified as High Net Worth or Sophisticated Investors under the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005. It must not be forwarded, reproduced or distributed to any other person.

Capital at risk. Investments in unlisted shares are high-risk and illiquid; you may lose all of the money you invest and you are unlikely to be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong. Ponte Finance PLC is not authorised or regulated by the Financial Conduct Authority.

This letter contains forward-looking statements, including estimates of profitability, ROI and share value growth. These are projections based on current assumptions, are not guaranteed, and actual results may differ materially. Past performance is not a reliable indicator of future results. Nothing in this communication constitutes financial, legal or tax advice; you should seek independent professional advice before investing. [LEGAL REVIEW PENDING — FINAL WORDING TO BE CONFIRMED BY PONTE FINANCE LEGAL COUNSEL]