Office Memorandum granting authorization for the organization and operation of an electronic payment funds institution to be named Pomelo Technologies, S.A. de C.V., Institución de Fondos de Pago Electrónico

Official Gazette of the Federation: 16/11/2023

OFFICE MEMORANDUM granting authorization for the organization and operation of an electronic payment funds institution to be named Pomelo Technologies, S.A. de C.V.

In the margin a seal with the National Shield, stating: United Mexican States.- FINANCE.- Ministry of Finance and Public Credit.- National Banking and Securities Commission.- Vice Presidency of Normativity.- General Directorate of Specialized Authorizations.- Vice Presidency of Supervision of Groups and Financial Intermediaries B.- General Directorate of Supervision of Financial Technology Institutions.-

Office Memorandum No.: 311-33115137/2023.

Subject:

Authorization for the organization and operation of an

Electronic Payment Funds Institution to be named

Pomelo Technologies, S.A. de C.V., Electronic Payment Funds

Institution.

POMELO TECHNOLOGIES, S.A. DE C.V.

PEDREGAL STREET NUMBER 24, " TORRE VIRREYES "

FLOOR 24, MOLINO DEL REY NEIGHBORHOOD, ALCALDÍA

MIGUEL HIDALGO, ZIP CODE 11040, MEXICO CITY.

Attention:

Mr. JOSÉ RAYMUNDO GUERRERO NOVAL

LEGAL REPRESENTATIVE

In terms of articles 1 and 2 of the Law of the National Banking and Securities Commission, this National

Banking and Securities Commission (Commission) is a decentralized body of the Ministry of Finance and

Public Credit, which aims to supervise and regulate within its competence the entities

integrating the Mexican financial system, in order to ensure their stability and correct functioning, as

well as maintain and promote the sound and balanced development of said system as a whole, in protection of

the interests of the public. According to article 4, sections XI and XXXVIII of said Law, the Commission is

responsible for authorizing the constitution and operation of those entities indicated by the laws, as well as

exercise the other powers attributed to it by the Law of the National Banking

and Securities Commission.

In that order of ideas, article 35 of the Law to Regulate Financial Technology Institutions

establishes that persons who intend to carry out the activities attributed to institutions of

crowdfunding or electronic payment funds, must request their authorization as an institution of

financial technology before the Commission, which will grant it when in its judgment the legal and regulatory

requirements are adequately met, prior agreement of the Interinstitutional Committee referred to in said

article

Considering the above, with a document presented on September 7, 2022, Mr. José Raymundo

Guerrero Noval, representing the company named Pomelo Technologies, S.A. de C.V. (Pomelo,

the Company or the Promoter), requested from the Commission authorization to organize and operate an Institution

of

Electronic Payment Funds to be named Pomelo Technologies, S.A. de C.V., Electronic Payment Funds

Institution, attaching thereto the corresponding supporting information and documentation indicated

in article 39 of the Law to Regulate Financial Technology Institutions.

In terms of article 5, second paragraph of the Law to Regulate Financial Technology

Institutions, this Commission prevented Pomelo within the period established in said law to address

various observations in relation to its authorization request, in addition to granting an extension to the period

initial to address them.

In relation to the above, Pomelo sent documentation and information in order to respond to the

prevention referred to above. Additionally, this authority required from the Promoter diverse documentation and

complementary information in order to have sufficient elements of judgment to resolve

on the authorization request presented by Pomelo; company that attended the request for

complementary information and sent updated documentation and information in relation to its file.

The Company requested an extension to the resolution period and an extension for the processing, which were

granted to it.

Having stated the above, you are informed that the Interinstitutional Committee in session held on 6

of November 2023, based on articles 11 and 35, in relation to article 22 of the Law to

Regulate Financial Technology Institutions and,

CONSIDERING

FIRST. - That the documentation and information presented by reason of the authorization request

for the organization and operation of the Electronic Payment Funds Institution to be named Pomelo

Technologies, S.A. de C.V., Electronic Payment Funds Institution, complies with the requirements provided in

article 22, in correlation with article 39 of the Law to Regulate Financial Technology

Institutions and with articles 3, 4 and 6 of the General Provisions applicable to Institutions

of Financial Technology, and,

SECOND. - That from the analysis of the documentation and information received it was concluded that from the point

of legal, financial and operational view it is appropriate to grant the requested authorization, therefore, in accordance

to the certification of the Secretary of the Interinstitutional Committee, which is transcribed in the relevant part, the following was

adopted:

AGREEMENT

" FIRST. - The members of the Interinstitutional Committee, in accordance with articles

11 and 35, in relation to article 22 of the Law to Regulate Financial Technology

Institutions, agreed unanimously to grant the authorization for the organization and

operation of an electronic payment funds institution to be named Pomelo

Technologies, S.A. de C.V., Electronic Payment Funds Institution. "

The previous agreement is adopted without prejudice to the other authorizations that, by reason of the act described,

must be obtained from the Commission or any other financial authority, in terms of the provisions

applicable, as well as the exercise of the powers attributed to the Commission itself during the process of

organization of Pomelo Technologies, S.A. de C.V., Electronic Payment Funds Institution, in which

the applicable requirements for the start of operations must be met.

Therefore, this National Banking and Securities Commission, prior agreement of the Interinstitutional Committee

authorizes the organization and operation of an Electronic Payment Funds Institution to be named Pomelo

Technologies, S.A. de C.V., Electronic Payment Funds Institution.

The entity whose organization and operation is authorized, will be subject to the following:

BASES

FIRST.

The name of the company shall be Pomelo Technologies, S.A. de C.V., Electronic Payment

Funds Institution.

SECOND.

It shall have its social domicile in Mexico City.

THIRD.

Its duration shall be indefinite.

FOURTH.

The amount of its initial share capital shall be $12 ' 338,038.08 (twelve million three hundred

thirty-eight thousand thirty-eight pesos 08/100 National Currency)

FIFTH.

Its corporate purpose shall correspond to the realization of the activities in national

currency contemplated in article 22 of the Law to Regulate Financial Technology

Institutions. Additionally, it may carry out the activities provided in article 25 of the

legal ordinance indicated above, in accordance with its corporate purpose.

SIXTH.

The authorization referred to in this office memorandum is, by its own nature,

non-transferable.

SEVENTH.

Pomelo Technologies, S.A. de C.V., Electronic Payment Funds Institution shall be

subject to the supervision of the National Banking and Securities Commission and of the Bank of

Mexico, in the exercise of their respective attributes, as well as of the other authorities

financial competent in the terms that the laws provide and provisions that from

these emanate.

EIGHTH.

The services consisting of the issuance, administration, redemption and transmission of funds

of electronic payment that Pomelo Technologies, S.A. de C.V., Electronic Payment

Funds Institution provides by virtue of this authorization, as well as the other

operations that it carries out, as well as its organization and operation in general, shall

be subject to the Law to Regulate Financial Technology Institutions, to the rules and

general provisions applicable to Financial Technology Institutions

issued by the National Banking and Securities Commission, to the provisions that jointly issued the National Banking and Securities Commission and the Bank of Mexico and to

the other norms and provisions in force and those that are issued in the future by any

competent authority, including those relating to operations with resources of illicit origin

and terrorism financing, which by their nature are applicable.

Pomelo Technologies, S.A. de C.V., Electronic Payment Funds Institution, must accredit to this

Commission, with at least thirty business days of anticipation to the start of its operations, compliance with

the requirements established in article 40 of the Law to Regulate Financial Technology Institutions.

The present is issued based on the legal provisions invoked above, as well as in exercise

of the powers conferred in articles 1, 2, 4, sections XI and XXXVIII, 10, section V of the Law of the

National Banking and Securities Commission, as well as articles 1, 3, section V, 4, sections I, subsection B, and

II, subsection B, numerals 22) and 32), 14, 35, 45, section I and 64, third paragraph of the Internal Regulations of the

National Banking and Securities Commission, published in the Official Gazette of the Federation on February 28

of

Sincerely

Mexico City, November 7, 2023.- General Director of Specialized Authorizations,

Lic.

Brenda Amparo Menes Cárdenas .- Signature.- General Director of Supervision of Institutions of

Financial Technology, Mtra. Leticia Castellanos García .- Signature.

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