[Form 3] Inter & Co, Inc. Initial Statement of Beneficial Ownership

Rhea-AI Filing Summary

Inter & Co, Inc. executive Thais Leite Lemos, Chief Human Resources Officer, filed an initial statement of beneficial ownership showing equity interests tied to Class A common shares. The filing lists several restricted stock unit awards that each convert into Class A shares on scheduled vesting dates from December 1, 2026 through December 1, 2029, subject to forfeiture under the RSU terms.

Lemos also holds multiple non-qualified stock options over Class A common shares with exercise prices of 21.5000 and 15.5000 per share and expirations extending to 2028-12-01. In addition to these derivative awards, she directly owns Class A common shares and has an indirect holding of 4,050 Class A shares through her spouse.

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

Lemos Thais Leite

(Last) (First) (Middle)

AV BARBACENA 1219

(Street)

BELO HORIZONTE - MG 30190-131

(City) (State) (Zip)

BRAZIL

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
03/18/2026

3. Issuer Name and Ticker or Trading Symbol
Inter & Co, Inc. [ INTR ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Human Resources Officer

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Class A Common Share	20,628	D
Class A Common Share	4,050	I	By Spouse

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Unit	(1)	(1)	Class A Common Share	7,500	(1)	D
Restricted Stock Unit	(2)	(2)	Class A Common Share	15,000	(2)	D
Restricted Stock Unit	(3)	(3)	Class A Common Share	30,000	(3)	D
Restricted Stock Unit	(4)	(4)	Class A Common Share	38,936	(4)	D
Non-Qualified Stock Option (Right to Buy)	02/01/2023	02/01/2027	Class A Common Share	2,250	$21.5	D
Non-Qualified Stock Option (Right to Buy)	02/01/2024	02/01/2027	Class A Common Share	2,250	$21.5	D
Non-Qualified Stock Option (Right to Buy)	02/01/2025	02/01/2027	Class A Common Share	6,000	$21.5	D
Non-Qualified Stock Option (Right to Buy)	12/01/2022	12/01/2028	Class A Common Share	1,500	$21.5	D
Non-Qualified Stock Option (Right to Buy)	12/01/2023	12/01/2028	Class A Common Share	1,500	$21.5	D
Non-Qualified Stock Option (Right to Buy)	12/01/2024	12/01/2028	Class A Common Share	1,500	$15.5	D
Non-Qualified Stock Option (Right to Buy)	12/01/2025	12/01/2028	Class A Common Share	1,500	$15.5	D
Non-Qualified Stock Option (Right to Buy)	12/01/2026	12/01/2028	Class A Common Share	4,000	$15.5	D

Explanation of Responses:

1. Unless earlier forfeited under the terms of the RSU, the award vests and converts into Class A Common Share on December 1, 2026.

2. Unless earlier forfeited under the terms of the RSU, the award vests and converts into Class A Common Share in two equal installments on December 1, 2026 and December 1, 2027.

3. Unless earlier forfeited under the terms of the RSU, the award vests and converts into Class A Common Share in three equal installments on December 1, 2026 and December 1, 2027 and December 1, 2028.

4. The award vests and converts into Class A Common Share in four equal installments on December 1, 2026 and December 1, 2027 and December 1, 2028 and December 1, 2029.

Remarks:

	/s/ Thais Leite Lemos	03/18/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)

FAQ

What does the Inter & Co (INTR) Form 3 filing by Thais Leite Lemos show?

The Form 3 shows Chief Human Resources Officer Thais Leite Lemos’ existing equity holdings in Inter & Co, including restricted stock units, stock options and Class A common shares, establishing her baseline ownership as a new Section 16 reporting person.

What restricted stock units does the Inter & Co (INTR) CHRO hold?

Thais Leite Lemos holds several restricted stock unit awards that each convert into Class A common shares on scheduled vesting dates between December 1, 2026 and December 1, 2029, so long as the RSUs are not forfeited under their governing terms.

What stock options are reported in the Inter & Co (INTR) CHRO Form 3?

The filing lists multiple non-qualified stock options over Class A common shares with exercise prices of 21.5000 and 15.5000, and expiration dates running through February 1, 2027 and December 1, 2028, providing potential future share ownership if exercised.

Does the Inter & Co (INTR) CHRO directly own Class A common shares?

Yes. In addition to derivatives, Thais Leite Lemos directly owns Class A common shares, giving her immediate equity exposure alongside her RSU and option awards that may increase her holdings as they vest or become exercisable over time.

What indirect Inter & Co (INTR) share holdings are disclosed for the CHRO?

The Form 3 reports an indirect holding of 4,050 Class A common shares described as held "By Spouse." This indicates part of the CHRO’s economic exposure to Inter & Co stock is through her spouse’s ownership position.

Do the Inter & Co (INTR) RSUs for the CHRO have specified vesting dates?

Yes. Footnotes explain that the RSU awards vest and convert into Class A common shares on specific dates, including December 1, 2026, 2027, 2028 and 2029, subject to earlier forfeiture if conditions in the RSU agreements are not satisfied.