MRV Engenharia e Participacoes : Notice to the Market - New Mortgage Option (IPCA)

MRV ENGENHARIA E PARTICIPAÇÕES S.A.

Corporate Taxpayers' Id. (CNPJ/MF): 08.343.492/0001-20

Company Registry (NIRE) No.: 31.300.023.907

Publicly Held Company

NOTICE TO THE MARKET

Belo Horizonte, august 20th, 2019 - MRV Engenharia e Participações S.A. (B3: MRVE3) ("Company"), taking into consideration the relevance of the new mortgage model published by Caixa Econômica Federal, MRV announces to its shareholders and the market in general the new rules.

The new mortgage model published, with mortgages linked to IPCA, is an alternative to the current models which will continue to exist.

This new mortgage option's interest rate will vary ranging from IPCA + 2.95% and IPCA + $4.95%, which represents a substantial increase in the buyer's affordability (up to 38.8% below the same mortgage issued by the current "TR+" conditions and 19% below the current MCMV bracket 3).

Simulation for a R$300 thousand Unit and LTV of 80%

Interest Rate	Initial PMT	Income	Required Income	Amortization
Commitment	System
IPCA
IPCA + 2.95%	1,253	20.0%	6,265	SAC
IPCA + 3.95%	1,447	20.0%	7,235	SAC
IPCA + 4.95%	1,640	20.0%	8,200	SAC
TR
TR + 8.16% (Bracket 3 of MCMV)	1,741	22,5%*	7,738	Price
TR + 8.5% (SBPE funding)	2,304	22,5%*	10,240	SAC
*Average income commitment of MRV's clients in 2019.

We believe this new option is another indicator of the correct timing of our product diversity strategy, at the same moment we increase our launches in SBPE, with mortgage options capable of competing with MCMV bracket 3.

Ricardo Paixão Pinto Rodrigues

Chief Financial and Investor Relations Office