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The Financial Inclusion Act (No. 19.210)

On May 19, 2014, the Financial Inclusion Act, No. 19.210 (the "Act"), entered into force, which represents an important change in the Uruguayan payment system. The Act regulates "electronic money" in Uruguay´s financial system, establishes regulations for bank accounts with financial intermediary institutions, alters the conditions for making and accepting payments, and significantly changes the system of loans and credit.

See information attached