NU · Nu Holdings Ltd. · Insider Trading

The Restricted Shares Award ("Award") vests over 10 calendar years, with final vesting on January 1, 2036. This Award is granted in lieu of regular annual equity awards from 2027 through 2031.

Figure includes 16,297,049 unvested Restricted Class A Shares ("Restricted Shares") granted under the Nu Holdings Ltd. 2020 Omnibus Incentive Plan, as amended. The Restricted Shares were issued to and registered in the name of the Reporting Person on the grant date and vest through January 1, 2036. The vesting of the Restricted Shares is subject to the Reporting Person's continued service through the applicable vesting date.

The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on March 27, 2026.

The reporting person disclaims beneficial ownership of these securities except to the extent of her pecuniary interest therein.

Figure includes 1,430,908 Class A Shares underlying unvested Restricted Share Units (RSUs). Each RSU represents a contingent right to receive one Class A Share. These RSUs are subject to the Reporting Person's continued service through the applicable vesting date.

The price reported in Column 4 is a weighted average price. These Class A Shares were sold in multiple transactions at prices ranging from $14.71 to $14.725, inclusive. The reporting person undertakes to provide to the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of Class A Shares sold at each separate price within the ranges set forth in this footnote (2) to this Form 4.

Figure includes 1,244,496 Class A Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s). Each RSU represents a contingent right to receive one Class A Share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 25,290 Class A Shares underlying unvested Restricted Share Units (RSUs) associated with grant(s) made prior to this current grant of RSUs. Each RSU represents a contingent right to receive one Class A Share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 25,290 Class A Shares underlying unvested Restricted Share Units (RSUs) associated with grant(s) made prior to this current grant of RSUs. Each RSU represents a contingent right to receive one Class A Share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 23,483 Class A Shares underlying unvested Restricted Share Units (RSUs) associated with grant(s) made prior to this current grant of RSUs. Each RSU represents a contingent right to receive one Class A Share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 30,709 Class A Shares underlying unvested Restricted Share Units (RSUs) associated with grant(s) made prior to this current grant of RSUs. Each RSU represents a contingent right to receive one Class Share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on March 27, 2026.

The reporting person disclaims beneficial ownership of these securities except to the extent of her pecuniary interest therein.

The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $15.7000 to $16.0000, inclusive. The reporting person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the ranges set forth in footnote (1) to this Form 4.

Figure includes 949,340 Class A Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s). Each RSU represents a contingent right to receive one Class A Share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 1,244,496 Class A Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s). Each RSU represents a contingent right to receive one Class A Share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 25,290 Class A Shares underlying unvested Restricted Share Units (RSUs). Each RSU represents a contingent right to receive one Class A Share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 23,483 Class A Shares underlying unvested Restricted Share Units (RSUs). Each RSU represents a contingent right to receive one Class A Share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 30,709 Class A Shares underlying unvested Restricted Share Units (RSUs). Each RSU represents a contingent right to receive one Class A Share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 25,290 Class A Shares underlying unvested Restricted Share Units (RSUs). Each RSU represents a contingent right to receive one Class A Share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 23,483 Class A Shares underlying unvested Restricted Share Units (RSUs). Each RSU represents a contingent right to receive one Class A Share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 23,483 Class A Shares underlying unvested Restricted Share Units (RSUs). Each RSU represents a contingent right to receive one Class A Share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 27,096 Class A Shares underlying unvested Restricted Share Units (RSUs). Each RSU represents a contingent right to receive one Class A Share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 25,290 Class A Shares underlying unvested Restricted Share Units (RSUs). Each RSU represents a contingent right to receive one Class A Share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 949,340 Class A Ordinary Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s). Each RSU represents a contingent right to receive one Class A Ordinary share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 1,244,496 Class A Ordinary Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s). Each RSU represents a contingent right to receive one Class A Ordinary share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 3,100,064 Class A Ordinary Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s). Each RSU represents a contingent right to receive one Class A Ordinary share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 2,194,587 Class A Ordinary Shares underlying unvested Restricted Share Units (RSUs). Each RSU represents a contingent right to receive one Class A Ordinary share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

The price reported in Column 4 is a weighted average price. These Class A Shares were sold in multiple transactions at prices ranging from $12.2401 to $12.2450, inclusive. The reporting person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the ranges set forth in footnote (1) to this Form 4.

Figure includes 6,982 Class A Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s). Each RSU represents a contingent right to receive one Class A share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 992.942 Class A Ordinary Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s). Each RSU represents a contingent right to receive one Class A Ordinary share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 4,791,162 Class A Ordinary Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s). Each RSU represents a contingent right to receive one Class A Ordinary share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 3,480,811 Class A Ordinary Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s). Each RSU represents a contingent right to receive one Class A Ordinary share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 1,264,946 Class A Ordinary Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s). Each RSU represents a contingent right to receive one Class A Ordinary share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 1,036,545 Class A Ordinary Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s). Each RSU represents a contingent right to receive one Class A Ordinary share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Figure includes 1,036,545 Class A Ordinary Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s). Each RSU represents a contingent right to receive one Class A Ordinary share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $14.8101 to $14.8150, inclusive. The reporting person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the ranges set forth in footnote (3) to this Form 4.

The reporting person disclaims beneficial ownership of these securities except to the extent of her pecuniary interest therein.

The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $14.8100 to $14.8300, inclusive. The reporting person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the ranges set forth in footnote (1) to this Form 4.

The reporting person disclaims beneficial ownership of these securities except to the extent of her pecuniary interest therein.