Final Order — Money Services Business

Index: OFR 2026-310
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
ME INVESTMENT GROUP CORP
D/B/A MUNDI ENVIOS LW,
MARIO PACHON, and
MARIA GUANTIV A,
Respondents.
FINAL ORDER
Case Number: 122807
This cause came on for consideration and final agency action. Upon review of the record and being otherwise fully advised in the premises, the Office of Financial Regulation ("Office") hereby finds:

1. The Office has jurisdiction over the subject matter of this case and the parties
   hereto.
2. The entry of this Final Order concludes the above-referenced matter.
   ORDERED:
   A. The Stipulation and Consent Agreement (Exhibit A) is hereby approved and incorporated by reference as if fully stated herein and is adopted as the Office's Findings of Fact and Conclusions of Law. B. The parties shall comply with all terms of the Stipulation and Consent Agreement. DONE and ORDERED this / ~tl- day of June, 2026, in Tallahassee, Leon County, Florida.

CERTIFICATE OF SERVICE
I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order has been furnished to ME Investment Group Corp d/b/a Mundi Envios L W, Mario Pachon, and Maria Guantiva at 123@mundienvios.com, via electronic mail on this f9('{/\ day of June, 2026. 2 i Regulation 8050 L 32314-8050 ai : gency.Clerk@flofr.gov Tel: (850) 410-9889

STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
INRE:
ME INVESTMENT GROUP CORP d/b/a
MUNDT ENVIOS LW,
MARIO PACHON, and
MARIA GUANTIV A,
Respondents.
Exhibit A
Case Number: 122807
STIPULATION AND CONSENT AGREEMENT
The State of Florida, Office of Financial Regulation ("Office"), and ME INVESTMENT GROUP CORP d/b/a MUNDI ENVIOS LW, MARIO PACHON and MARIA GUANTIVA -- ("Respondents'~), in consideration of the mutual promises herein, recite, stipulate, and agree as follows:

1. Background. At all times material hereto, Me Investment Group Corp d/b/a Mundi
   Envios L W is and has been a money services business in the State of Florida, having been issued license number FT340000960. At a11 times material, Mario Pachon is and has been the President, Compliance Officer and fifty (50) percent owner of Me Investment Group Corp d/b/a Mundi Envies LW, and Maria Guantiva is and has been the Vice-President and fifty (50) percent owner of ME Investment Group Corp d/b/a Mundi Envios L W. The Office conducted an examination (No. 120731) of Respondents' business records and operations to ascertain compliance with chapter 560, Florida Statutes, for the period of January 1, 2022 through December 31, 2023. In lieu of engaging in litigation, the parties are herein resolving the matters at issue.

2. Jurisdiction. The Office is the state agency charged with the administration and
   enforcement of chapter 560, Florida Statutes, and the rules promulgated thereunder. The Office has jurisdiction to bring this administrative action against Respondents pursuant to chapter 560, Florida Statutes.

3. Findings. For purposes of this Stipulation and Consent Agreement, Respondents
   consent to the Office making the following findings:
   a) Respondents failed to report changes in name within thirty days of the change, in violation of Rule 69V-560. l O 12, Florida Administrative Code, thereby section 560.126(2), Florida Statutes; b) Respondents accepted and cashed checks for individuals not authorized to negotiate payment instruments for a corporate payee, in violation of section 560.309(4), Florida Statutes; c) Respondents failed to accurately enter checks into the check cashing database (CCDB), in violation of Rule 69V-560.704(5), Florida Administrative Code, thereby section 560.310(2)( d), Florida Statutes; d) Respondents failed to maintain a legible copy of the front and back of each payment instrument cashed, in violation of Rule 69V-560.704(2)(a), Florida Administrative Code, in violation of section 560.310(1 ), Florida Statutes; e) Respondents failed to maintain records of the fees charged to cash a payment instrument, in violation of Rule 69V-560.704(2)(b), Florida Administrative Code, thereby section 560.l 14(1)(a), Florida Statutes; and 1

f) Respondents failed to maintain a thumbprints of customers, taken by licensee, in violation of section 560.310(2)(c), Florida Statues.
4. Terms and Conditions. The parties agree that the issues raised can be
expeditiously resolved without further litigation by the execution of this Stipulation and Consent Agreement. The parties acknowledge that they have read this Stipulation and Consent Agreement and fully understand the rights, obligations, terms, duties, and responsibilities with respect to its contents. Therefore, in compromise and settlement of the foregoing findings and in consideration of the Office's forbearance from further litigation, Respondents agree to the following terms and conditions:
a. FUTURE COMPLIANCE. Respondents agree that they shall cease and desist from future violations of chapter 560, Florida Statutes, and the rules promulgated thereunder, and comply with all the provisions of chapter 560, Florida Statutes, and the rules promulgated pursuant thereto. b. ADMINISTRATIVE FINE. Respondents agree to pay the Office an administrative fine in the amount of Seven Thousand Dollars ($7,000.00), with one-half ($3,500.00) to be paid at the time of the execution and delivery of this Stipulation and Consent Agreement, and the remaining one-half ($3,500.00) to be paid within thirty (30) days of the entry of the Final Order. This administrative fine shall be submitted in the form of a wire, cashier's check, or money order made payable to "Office of Financial Regulation •• and shall be sent to the attention of Agency Clerk - c/o Alessandra Mousinho, Post Office Box 8050, Tallahassee, Florida 32314-8050. Respondents acknowledge and agree that in accordance with section 215.31, Florida Statutes, regarding the deposit of monies: (i) the tendered fine or settlement check may be 3

deposited in advance of full execution or acceptance of the Stipulation and Consent Agreement; and (ii) such deposit shall not be construed as a final acceptance of the Stipulation and Consent Agreement absent full execution thereof and entry of a Final Order adopting same.
5. Final Order. Respondents consent to the entry of a Final Order, which incorporates
the terms of this Stipulation and Consent Agreement. Respondents understand and agree that this Stipulation and Consent Agreement is subject to the final approval of the Office of Financial Regulation and the entry of the Final Order adopting such Agreement. In the event that the Final Order is not entered, this Stipulation and Consent Agreement shall be null and void. The Final Order incorporating this Stipulation and Consent Agreement constitutes final action by the Office for which the Office may seek enforcement pursuant to the provisions of chapters 560 and 120, Florida Statutes.
6. Waiver. By Respondents' consent to the entry of a Final Order with respect to this
proceeding, Respondents waive:
a) Any right to separately stated Findings of Fact and Conclusions of Law; b) Any right to receipt of a Notice of Rights pursuant to chapter 120, Florida Statutes; c) Any right to an administrative hearing or issuance of a Recommended Order pursuant to chapter 120, Florida Statutes; and d) Any right to contest in any administrative forum or judicial proceeding (including, but not limited to, an appeal pursuant to section 120.68, Florida Statutes) the validity of any term, condition, obligation, or duty expressly created in this Stipulation and Consent Agreement and the Final Order. 4

7. Releases. Upon full execution of this Stipulation and Consent Agreement,
   Respondents waive, release, and forever discharge the Office and its agents, representatives, and employees from any and all causes of action, in law or in equity, which Respondents may have arising out of this matter. The Office accepts this release and waiver by Respondents on behalf of itself, its agents, representatives, and employees without acknowledging, and expressly denying, that any such right or cause of action may exist.
8. Failure to Complv. Respondents acknowledge, concur, and stipulate that
   Respondents' failure to comply with any of the terms, obligations and conditions of this Stipulation and Consent Agreement, and the Final Order adopting it, is a violation of the written agreement and the Final Order entered pursuant to chapters 120 and 560, Florida Statutes. Such non￾compliance may result in the issuance of an emergency cease and desist order. However, nothing herein shall be construed to limit Respondents' right to contest any finding or detennination of non-compliance.
9. Attorne, 's Fees. Each party herein shall be solely responsible for its separate costs
   and attorney's fees incurred in the prosecution, defense, or negotiations in this matter up to and including the entry of the Final Order adopting this Stipulation and Consent Agreement.
10. Severability. The parties agree that if any provision of this Stipulation and Consent
    Agreement or the application thereof to any person or circumstance is held invalid, the Stipulation and Consent Agreement will be given effect without the invalid provision, and to this end, the provisions of this Stipulation and Consent Agreement are declared severable.
11. Counterparts. This Stipulation and Consent Agreement may be executed in any
    nwnber of counterparts, and by the parties in separate counterparts, each of which will be deemed to be an original but all of which together will constitute but one Stipulation and Consent 5

Agreement. Copies of this Stipulation and Consent Agreement transmitted by facsimile or electronic mail shall have the same validity as if bearing an original signature.
12. Entire Agreement. This Stipulation and Consent Agreement represents the entire
agreement by and between Respondents and the Office. Any alterations, variations, changes, modifications, or waivers of the provisions hereof shall be valid only when they have been reduced to writing, duly signed by the Office and Respondents hereto, attached to the original of this Stipulation and Consent Agreement, and subject to the approval of the Office. WHEREFORE, in consideration of the foregoing, the Office and Respondents execute this Stipulation and Consent Agreement for entry of a Final Order on the last date executed below. [this space intentionally left blank with signatures appearing on the following page] 6

ME INVESTMENT GROUP CORP d/b/a MUNDI ENVIOS LW:
c__ ____ _J
(Signature)
Name: Mario Pachon
State of Florida
County of Ptt\h'\ Beach
Date: -----------
Title: President. Compliance Officer and fifty percent owner Mario Pachon, as President, Compliance Officer, and fifty percent owner of ME Investment Group Corp d/b/a Mundi Envios L W, BEFORE ME by means of [ ] physical presence or [ ] online notarization, has sworn ( or affirmed) that he has read and understands the foregoing agreement and voluntarily signed the same. SWORN TO AND SUBSCRIBED before me this taf" day of __._ki=---Cl=L{=1--- ' 2026. Check the appropriate box:
Personally known 0
OR Produced Identification [kY'
Type of identification produced u:;;}/ Driver's License □ □ Passport Other ----- -- (Do not include ID number) 7 Notary Public Stitt of Ftorilla lv•lllse A Delacruz My Commission HH 393673 Expire& S/2/2027

ME INVESTMENT GROUP CORP d/b/a MUNDI ENVIOS LW:
Date: OS - lt:j~ W2-6 ---
(Signature)
Name: Maria Guantiva Title: Vice-President and fiftv percent owner State of Florida County of ~0\m Be4Ch Maria Guantiva, as Vice-President and fifty percent owner of ME Investment Group Corp d/b/a Mundi Envios L W, BEFORE ME by means of [~hysical presence or [ ] online notarization, has sworn ( or affirmed) that she has read and understands the foregoing agreement and voluntarily signed the same. SWORN TO AND SUBSCRIBED before me this \Ct~day of_~~~ , 2026. Check the appropriate box:
Personally known 0
OR Produced Identification [B"'
Type of identification produced ~ Driver's License D Passport 0 Other ____ _ (Do not include ID number) 8 Notary Pubtrc State of Fl.,rlea lvellise A DeLaCru:i My Co~ml&slon HH a9J673 Expires 512/2027

MARIO PACHON:
Date: -----
Name: Mario Pachon
State of Florida
County of V4\m ~:tr:tcl\
Mario Pachon, BEFORE ME by means of [ ] physical presence or [] online notarization, has sworn ( or affirmed) that he has read and understands the foregoing agreement and voluntarily signed the same. SWORN TO AND SUBSCRIBED before me this~ day of __ t,.,{u _ kj ----~' 2026 . Nota Check the appropriate box:
Personally known D
OR Produced Identification uJ'
Type of identification produced [iJ..,/nriver's License D Passport 0 Other __ ..._ Notary Public State of Florida A lvellise A Delacruz lummillD My Co~mlulon HH 39367$ _ ;~_pires s,212021 (Do not include ID number) 9

MARIA GUANTIVA:
Date:
(Signature)
Nrune: Maria Guantiva
State of Florida
County of Ya\W\ ~each
Maria Guantiva, BEFORE ME by means of [t;(physical presence or [] online notarization, has sworn ( or affirmed) that she has read and understands the foregoing agreement and voluntarily signed the same. SWORN TO AND SUBSCRIBED before me this \ DI~ day of ~Ct. 4 2026. - - - - _ ---ti--, ◄ .Notary Publh~ Stale of Florida , tvelliae A OeLaCruz 1 nu My Commlulon HH 393673 ◄ Expires 5/212027 Notary Public Check the appropriate box:
Personally known 0
OR Produced Identification ~
Type of identification produced ~ Driver's License D Passport D Other (Do not include ID number) OFFICE OF FINANCIAL REGULATION G~m,,~/g:f,v Date: --------- 6/15/2026 Division of Consumer Finance 10