CAIXA

Private Retirement Plan

PREVINVEST is an excellent investment for those who wish to sustain their present standard of living into retirement.

With it you may choose: the type of investment fund in which to invest your resources, the amount of the contribution or income desired, and when you intend to start receiving your benefit.

For each case there is a suitable investment fund with the guarantee that the profitability attained will be fully returned to you. See the three options below:

• Traditional (FI): a fund made up of a portfolio of Fixed Income securities;
• Moderate (VI 15): a fund made up of a portfolio composed of up to 15% of Variable Income and the remainder in Fixed Income securities;
• Dynamic: (VI 30): a fund made up of a portfolio composed of up to 30% of Variable Income and the remainder in Fixed Income securities.

PREVINVEST is available in two modalities: PGBL and VGBL.

The Free Benefit Generation Plan (PGBL-Plano Gerador de BenefÃcio Livre) mode is ideal for those clients who use the integral version of the Income Tax returns form, because they can deduct from the calculation basis any contributions made to the plans, up to a limit of 12% of their annual gross income, provided that they contributing to the Social Security (INSS) or any other private entity of the kind.

The Free Benefit Generator (VGBL-Vida Gerador de BenefÃcio Livre) is more suitable to those clients who declare their income tax using the simplified Income Tax form or who are exempt, or even by those clients who exceed the permitted 12% discount allowance. Besides this, Income Tax is payable exclusively on income resulting from funds investments.

Now that you have chosen the mode that better suits your needs, see the features that are the same for both plans:

• Payments due: Monthly;
• Minimum amount of contribution: R$ 50,00;
• Carrying charge: 4% over each contribution;
• Redemption grace period: The first redemption, either partial or total, may be requested after 6 months for the PGBL mode and 12 months for the VGBL mode, counted as of the date of the plan signing up. Any further redemption must observe a minimum interval of 60 days.

It is important to point out that, to draw on the fund, besides the grace period of your PREVINVEST, you must re-register your e-account with CAIXA in Brazil.

For additional information, access the CAIXA International site, in Portuguese, by clicking here.