"In terms of the Law to Regulate Financial Technology Institutions (the “Fintech Law”) it is know that: (a) Sistema de Transferencias y Pagos STP, S.A. de C.V., SOFOM, E.N.R. (“STP”) is in the process of being authorized, regulated and supervised by the Financial Authorities; and (b) neither the Federal Government nor the entities of the parastatal public administration may: (i) be responsible for or guarantee the resources that STP Users use or will use in Operations; and (ii) assume any responsibility for obligations contracted by STP or by any STP Client or User, by virtue of execution of the Operations. For the purposes of this paragraph, Financial Authorities, Users and Operations shall be understood by the terms thus defined by the Fintech Law."