Exhibit 10.4


 


	 	 	 
	
    Peter Lampasona

    Vice President

    Franchise Development

     

    MasterCard Worldwide

    Law & Franchise Integrity

    2000 Purchase Street

    Purchase, NY 10577-2509

     

    1-914-249-6288

    peter_lampasona@mastercard.com

    www.mastercard.com

     

    January 29, 2014

     
	 	
     

     

    



Mr. David Velez Osorno


CEO


EO2 SOLUCOES DE PAGAMENTO SA


R California 492


Sao Paulo SP


Brasil, Postal Code 04566060


Dear Mr. Velez:


It is a pleasure to inform you that EO2 SOLUCOES DE PAGAMENTO
SA.’s application for MasterCard Principal Participation and License for MasterCard has been approved, effective January 29,
2014. This approval is subject to the provisions of the brand’s governing rules, and revocable for any violation of the MasterCard
License Agreement.


Enclosed is a fully executed MasterCard License Agreement
and Summary of Licenses Granted which reflects the brands for which a license has been granted and the type of participation for each.
Specifically the License is limited to Issuing Credit Cards only. Additionally the license does not permit the Sponsorship of Affiliates
and does not allow Extensions of Area of Use out of Brasil.


The following ICA and BINs have been reserved for EO2
SOLUCOES DE PAGAMENTO SA. for testing purposes only:


 


	 	 	 
	ICA:	 	16570
	BIN:	 	516220 (MCG – Gold MasterCard)
	
    BIN:

    BIN:
	 	
    516230 (MPL – Platinum MasterCard)

    537678 (MBK – MasterCard Black)



You must contact Customer Implementation Services (CIS) to
coordinate the implementation and activation of this ICA in the MasterCard production environment. CIS can proceed with the formal implementation
process, pending receipt of all other required and/or optional forms. To determine which additional forms are required, and for further
assistance, you may contact CIS via email:


CIS_LAC_Support@MasterCard.com




    	 



    	 



    

 


 



Mr. David Velez Osorno


CEO


January 29, 2014


Page 2 of 2


EO2 SOLUCOES DE PAGAMENTO SA. Will be fully responsible
for all transactions and billing affected under these assignments and obligated to activate their ICA/BINs within a year of assignment.
A billing account must first be established and appropriately funded in order to initiate the activation process.


To establish a billing account, the Billing Services Notification
and Summary Reports Request forms must be completed. If you have already submitted these forms, then no further action is required. If
you have not completed the forms, the forms have been attached to this letter. Please complete and submit the forms to CIS within 30 days.
Billing and settlement will begin as soon as the ICA has been assigned in the MasterCard systems.


To assist in your understanding of MasterCard rules, policies,
products and services, please visit our website at www.mastercardconnect.com.


We look forward to working with you and wish you success with
all of your MasterCard programs.


Sincerely,


/s/ Peter Lampasona                                  


Peter Lampasona


 


	cc:	Vivian Baker – MasterCard (Miami)


Luisa Nunes – MasterCard (Brasil)




    	 



    	 



    

 


 



SUMMARY OF LICENSES GRANTED


 


	 	 	 
	LICENSEE:	 	
    EO2 SOLUCOES DE PAGAMENTO SA

	ADDRESS:	 	
    R CALIFORNIA 492

	 	 	
    SAO PAULO SP BRAZIL



 


	 	 	 	 	 	 	 	 	 
	Authorized Marks	 	
    Type of

    License

    Participation
	 	Type of activity	 	
    Geographic

    locations
	 	
    Date after which

    Licensee is

    authorized to use

    this Authorized

    Mark

	 	 	 	 	 
	
    MasterCard Mark:

     

    
	 	•  Principal	 	•  Issuing Credit Products Only, Activities within Brazil Only, and Not Sponsoring of Affiliates	 	Brazil	 	January 29, 2014
	 	 	 	 	 
	
    Cirrus Mark:

     

    
	 	•  Principal	 	•  Issuing Only	 	Brazil	 	January 29, 2014


Upon being granted a license to use any one of the MasterCard,
Maestro or Cirrus Marks, Applicant shall also be granted a limited license to acquire MasterCard, Maestro and Cirrus transactions at ATMs
operated or sponsored by Applicant in accordance with the applicable Rules and to display the MasterCard, Maestro and Cirrus Marks at
such ATMs.


DATE: January 29, 2014


 




    	 



    	 



    

 


 



LICENSE AGREEMENT


THIS
LICENSE AGREEMENT
is between MasterCard International Incorporated or its undersigned affiliate (“MasterCard”)
and the undersigned entity (“Applicant”).


Marks. Applicant acknowledges that MasterCard owns,
manages, is licensee of, or otherwise controls all rights, title and interest to the trade names, trademarks, service marks and logotypes
(the “Designations”) set forth below. This License Agreement governs the use of the Designations identified below (each a
“Mark”) and other trade names, trademarks, service marks and logotypes identified from time to time in the Standards (defined
below) or policies of MasterCard (each, an “Other Identified Mark” and, together with each Mark, the “Marks”).
“MasterCard” shall mean and include its parent, subsidiaries and affiliates. Capitalized terms used in this license agreement
shall have the meanings ascribed to them in the Standards, unless defined herein.


 


	 	•	 	Interlocking Circles Device. MasterCard owns all rights, title and interest to the trademark, service mark and logotype known as the Interlocking Circles Device and all variations thereof, and United States and worldwide registrations for such mark (the “Interlocking Circles Device”).


 


	 	•	 	MasterCard Marks. MasterCard owns all right, title and interest in and to the trademark, trade name and service mark “MasterCard” and marks utilizing that designation, including MasterCard Electronic and MasterCard Cash, and United States and worldwide registrations for such marks (the “MasterCard Marks”).


 


	 	•	 	Cirrus Marks. MasterCard owns all right, title and interest in and to the trademark, trade name and service mark “Cirrus” and marks utilizing that designation and United States and worldwide registrations for such marks (the “Cirrus Marks”), to use and sublicense the use of the Cirrus Marks.


 


	 	•	 	Maestro Marks. MasterCard owns all right, title and interest in and to the trademark, trade name and service mark “Maestro” and marks utilizing that designation and United States and worldwide registrations for such marks (the “Maestro Marks”), to use and to sublicense the use of the Maestro Marks.


Ownership of the Marks. Applicant acknowledges that:


(a) MasterCard is the Exclusive Owner (defined below) of all
MasterCard Marks, the Cirrus Marks the Maestro Marks and the Interlocking Circles Device; and


(b) the applicable Exclusive Owner is the owner of any Other
Identified Mark.


Applicant acknowledges the validity of the Marks and agrees
to never contest such ownership, or in any way dispute the validity of any of the Marks or registrations for the Marks. Applicant agrees
that, if any right has accrued or may accrue to Licensee in any of the Marks by operation of law, such right, upon termination of this
License Agreement, shall revert to the owner of such Mark(s) as indicated in subsections (a), or (b), above (each such owner, as applicable,
an “Exclusive Owner”). Applicant further agrees to cooperate with the Exclusive Owner to perfect such Exclusive Owner’s
title in any Mark(s) by written assignment of any rights which may accrue and in any other manner deemed necessary or appropriate by said
Exclusive Owner. Applicant agrees that all documents, instruments, papers, letters, advertisements, and cards bearing any of the Marks
shall be marked by Applicant with any notices of such Exclusive Owner’s registrations that may be provided by law to preserve the
Exclusive Owner’s rights in the Mark(s) or that may be required by MasterCard from time to time. Applicant agrees not to obtain
or attempt to obtain, and agrees not to aid any third party in obtaining or attempting to obtain, any right in any trademark, trade name,
service mark, logotype or other device, designation, internet domain name, or intellectual property right that is confusingly similar
to or employs any part of any Mark including, without limitation, the word “Master” or “Maestro” or any word containing
the word “Master” or “Maestro” as a prefix or suffix, or “Master” or “Maestro” used in
connection with any service offered by Applicant; and, upon request by MasterCard, Applicant agrees to assign, by instruments satisfactory
in form and substance to MasterCard’s counsel and without royalty or other payment
of any kind, any and all of such rights that Licensee may obtain or may have obtained. Applicant agrees to never take any action, or permit
or fail to take any action, that may injure, harm or dilute the distinctiveness or goodwill in and to any of the Marks. Applicant further
acknowledges that any use of any Mark inures to the benefit of the Exclusive Owner of that Mark.


 


	 	 	 	 	 
	MasterCard License Agreement	 	Page 1 of 3	 	
    Revised: July 2013

    ©2013 MasterCard





    	 



    	 



    

 


 






Grant of License. Applicant accepts (as granted), a
non-exclusive license to use the Marks identified in the Summary of Licenses Granted (attached to this License Agreement and incorporated
herein) in the geographic areas set forth therein, solely in connection with the Program(s). The term “Program” is defined
in the Standards applicable to each Mark referenced in the Summary of Licenses Granted that Applicant operates in a geographic
area. Upon execution by MasterCard, this License Agreement is effective as of the Effective Date set forth below and shall remain in effect
until terminated in accordance with the Standards. MasterCard may, from time to time, modify the Summary of Licenses Granted to
add a Mark, delete a Mark, change the type(s) of license participation, or change the type(s) of activity, and geographic locations that
apply to Applicant for one or more Marks. Upon being granted a license to use any one of the MasterCard, Maestro or Cirrus Marks, Applicant
shall also be granted a limited license to acquire MasterCard, Maestro and Cirrus transactions at ATMs operated or sponsored by Applicant
in accordance with the applicable Standards and to display the MasterCard, Maestro and Cirrus Marks at such ATMs.


Standards. At all times, Applicant shall observe the
Amended and Restated Certificate of Incorporation, Bylaws, Rules, and policies, and the operating regulations and procedures of MasterCard,
including but not limited to any manuals, guides or bulletins, as may be amended from time to time (the “Standards”). The
Standards are incorporated herein by reference and made a part of this License Agreement. MasterCard shall have the right to inspect
samples of all advertising and marketing materials bearing the Marks to insure compliance with the Standards, and Applicant shall promptly
correct any deficiency.


Term. Subject to the termination provisions set forth
in this License Agreement and in the Standards, this License Agreement shall have an initial term of ten (10) years, commencing upon
the Effective Date set forth below, and shall be automatically renewed for successive ten (10)-year renewal terms unless (i) at least
thirty (30) calendar days prior to the end of the initial term or any renewal term, MasterCard notifies Applicant in writing that
this License Agreement will not be renewed or (ii) this License Agreement has otherwise been terminated pursuant to its provisions
or the Standards. Subject to such other License and/or Membership termination provisions set forth in this License Agreement or in the
Standards that provide for termination either without notice or upon shorter notice, MasterCard shall have the right, upon no fewer than
thirty (30) calendar days advance written notice to Applicant, to terminate this License Agreement at any time without cause. Applicant
shall cease using the Marks upon termination of the License Agreement.


Representations and Warranties. Applicant hereby represents
and warrants that the information provided in Applicant’s application for this license is true and complete. Should circumstances
change that would affect Applicant’s continued eligibility to be a licensee, as specified in the Standards, Applicant agrees to
immediately notify MasterCard in writing. Applicant shall immediately notify MasterCard in writing of any changes in the completeness
or accuracy of such information or of a change in circumstances that would or could affect Applicant’s continued eligibility to
be a licensee in accordance with the eligibility criteria set forth in the Standards. Applicant further represents and warrants that the
execution and delivery of this License Agreement and the performance by Applicant of the activities licensed hereunder will not violate
any law, statute, ordinance, regulation, judgment, writ, injunction, rule, decree, order, or any other restriction or requirement applicable
to Applicant. Licensee further represents and warrants that it has, and shall maintain, any and all government licenses and permits that
are necessary for Applicant to be authorized to engage in the activities to be performed pursuant to this License Agreement.


Compliance with Law. For so long as this license is
in effect, MasterCard and Applicant shall comply with all applicable international, federal, state, provincial and local laws, rules,
regulations, directives and governmental requirements relating in any way to the privacy, confidentiality or security of personal data,
including, without limitation: the EU Data Directive 95/46/EC; and the requirements of the Gramm-Leach-Bliley Act and its implementing
regulations (15 U.S.C. § 6801 et seq.) (collectively, the “GLB Act”), which shall include, without limitation, the maintenance
of a comprehensive information security program, that is designed to insure the security and confidentiality of non-public information
about cardholders, applicants, or other customers by, among other things: (i) protecting against any anticipated threats or hazards
to the security or integrity of such information; (ii) protecting against unauthorized access to or use of such information; (iii) detecting,
preventing and responding to, in a prompt manner, attacks, intrusions or other system failures; (iv) ensure the proper disposal of
such information; and (v) regularly testing or otherwise monitoring the effectiveness of such information safeguards.


 


 


	 	 	 	 	 
	MasterCard License Agreement	 	Page 2 of 3	 	
    Revised: July 2013

    ©2013 MasterCard





    	 



    	 



    

 


 



Notice of infringement. As soon as Applicant acquires
any knowledge of (i) any infringement of any Mark, (ii) any conflicting claim of third parties with respect to a Mark, or (iii) any
failure of any other licensee to adhere to the Standards, Applicant shall so notify MasterCard in writing. Applicant agrees to give all
lawful and reasonable aid requested by MasterCard or any other Exclusive Owner in connection with efforts to enforce, preserve and defend
a Mark. All litigation carried on by Applicant at MasterCard’s request shall be subject to MasterCard’s control and will be
at MasterCard’s expense.


Assignment and Sublicense. Applicant agrees that MasterCard
may assign or sublicense this license to any MasterCard direct or indirect subsidiary or affiliate. Applicant may not sell, sublicense,
assign or otherwise transfer any of its rights under this license, whether by sale, consolidation, merger, amalgamation, operation of
law or otherwise, without MasterCard’s express written consent. This license shall be binding on Applicant’s successors and
assigns.


Governing Law, Payment of Taxes. All questions with
respect to the interpretation, effect, and validity of this License Agreement, and the rights and obligations of the parties, shall be
decided under the laws of the State of New York, without regard to its choice of laws provisions. Applicant consents to personal jurisdiction
in the courts of the State of New York for all disputes arising out of this License Agreement, including but not limited to enforcement
of the License Agreement. Notwithstanding the foregoing, if Applicant is an entity in the Europe Region (as defined in the Standards)
then this license shall be governed in all respects and construed in accordance with the laws of England and Wales without regard to conflict
of law provisions. Applicant agrees to pay all taxes that might be charged by any country or other jurisdiction in which Applicant conducts
activities authorized by this License Agreement against any of the amounts due under the Standards, and such payments shall be made to
MasterCard by Applicant without deduction for any such taxes.


Certification. Applicant certifies that it meets all
requirements to be a licensee for each Mark set forth on the attached Summary of Licenses Granted, and is fully authorized and
empowered to perform all of the functions it has elected to perform, and that the application for this license has been duly authorized
by appropriate corporate action.


This License Agreement is the entire agreement between Applicant
and MasterCard pertaining to the subject matter hereof and supersedes any prior agreements or representations, whether oral or written.


Applicant further certifies that Applicant is chartered as
CREDIT CARD AND PAYMENT INSTITUTION [type of institution] under the laws of BRAZIL [country].


 


	 	 	 	 	 	 	 
	Legal Name of Applicant:	 	EO2 SOLUCOES DE PAGAMENTO SA
	 	 
	The signing officer must be duly authorized to execute the application	 	 
	 	 	 	 
	Officer Name:	 	DAVID VELEZ OSORNO	 	Officer Title:	 	CEO
	Officer Signature:	 	
    /s/ David Velez Osorno
	 	Date:	 	19/DEC/2013
	 	 
	MasterCard Entity:	 	MASTERCARD INTERNATIONAL INCORPORATED
	MasterCard Signature:	 	
    /s/ Ajay Banga
	 	Effective Date:	 	29/JAN/2014
	Title:	 	AJAY BANGA	 	 	 	 
	 	 	PRESIDENT & CEO	 	 	 	 


 


 


	 	 	 	 	 
	MasterCard License Agreement	 	Page 3 of 3	 	
    Revised: July 2013

    ©2013 MasterCard





    	 



    	 



    

 


 



CONFIDENTIAL


SUPPLEMENT TO MASTERCARD LICENSE AGREEMENT


This Supplement to MasterCard License Agreement (the “Supplement”)
is effective Date set forth below and is entered into by and between EO2 Soluções de Pagamento S.A. (“Licensee”)
and MasterCard International Incorporated (“MasterCard”) and constitutes a supplement to the MasterCard License Agreement
entered into by and between Licensee and MasterCard (the “License Agreement”) pursuant to which MasterCard granted to Licensee
a license (the “License”) to use the Marks subject to the terms and conditions set forth in the License Agreement.


PRELIMINARY STATEMENTS


WHEREAS, Licensee has received the
License from MasterCard authorizing Licensee to engage in the MasterCard business and use the Marks; and,


WHEREAS, such License is subject
to certain additional terms and conditions as forth in this Supplement;


NOW THEREFORE, incorporating the
above preliminary statements, and in consideration of the mutual promises contained herein and other good and valuable consideration,
the receipt and sufficiency of which is hereby acknowledged, MasterCard and Licensee further agree as follows:


1. Terms and Conditions upon License. With respect to
its participation in the MasterCard business in the Federative Republic of Brazil (“Brazil”) pursuant to the License, notwithstanding
anything in the License Agreement or Rules to the contrary and in addition to any other obligations Licensee may owe MasterCard under
the License Agreement or Rules, Licensee hereby further acknowledges and agrees, throughout the term of the License (the “Term”),
that:


 


	 	a.	Financial Reporting. Licensee will deliver to MasterCard (i) quarterly within 45 days following the end of the first three fiscal quarters of each fiscal year of Licensee, consolidated and consolidating balance sheets, income statements and statements of cash flow of Licensee for such quarterly period and for the period from the end of the last fiscal year of Licensee, and (ii) within 90 days following the end of each fiscal year of Licensee audited comparative consolidated and unaudited comparative consolidating balance sheets, income statements and statements of cash flows, certified, in the case of consolidated annual statements by independent public accountants of recognized standing, and in the case of quarterly and consolidating annual statements, by a financial officer of Licensee for such period.


 


	 	b.	Audits. Licensee will submit to as many audits or investigations, as MasterCard may determine, and conducted as MasterCard deems appropriate, to determine Licensee’s compliance with the provisions of this Supplement, the License Agreement and the MasterCard Bylaws and Rules (the “Rules”). Such audits or investigations may also include, without limitation, Licensee’s anti-money laundering practices and procedures, OFAC rules compliance, financial soundness, corporate governance and operating standards and controls. MasterCard may at its discretion engage the services of independent third parties to assist in the conduct of such audits or investigations. Such audit will be conducted at Licensee’s expense. Licensee will cooperate, and cause the cooperation of its independent auditors and other necessary agents and personnel, in the conduct of any such audit or investigation by MasterCard or such independent third party.


 


	 	c.	Credit Products Only; Program Registration Requirement. Licensee acknowledges and agrees that the License authorizes Licensee to engage solely in the issuing of MasterCard Credit Products, and under no circumstances shall the Licensee issue, or attempt to issue, by direct or indirect means, any MasterCard Debit Products or MasterCard Prepaid Products without the prior written consent of MasterCard. Also, all such MasterCard Credit Product programs to be issued by Licensee, pursuant to this License, shall be pre-approved in writing by, and registered as a Special Issuer Program with, MasterCard prior to issuing such payment cards.


 


 


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CONFIDENTIAL


 


	 	d.	No Sponsorship of Affiliates. Licensee shall not sponsor any other entity to be an Affiliate member or licensee of MasterCard.


 


	 	e.	Brazil Only; No Extensions of Area of Use. Licensee shall issue MasterCard Credit Products only within the national territory of Brazil. Licensee shall not be permitted to request and shall not be entitled to receive an extension of area of use. Notwithstanding the above, the MasterCard Credit Products to be issued by Licensee pursuant to the License may have international (i.e., outside of Brazil) acceptance and other functionalities.


 


	 	f.	Exclusivity; Agreements Respecting Competing Brands. Licensee shall refrain from entering into any agreement or arrangement that will have the effect of marketing, promoting, publicizing, issuing, acquiring, or facilitating the issuance, acquisition, or use of any payment card, or similar device, issued under, or in association with, a Competing Brand. For purposes of this subsection, the term “Competing Brand” shall include Visa, American Express, Discover, Diners Club, JCB, Carte Blanche, CarNet or any other brand that MasterCard determines to be in competition with MasterCard.


 


	 	g.	Card Retention (Non-Conversion). Licensee shall cause all MasterCard payment cards issued by Licensee during the Term to remain MasterCard-branded payment cards and shall ensure that no such MasterCard-branded payment cards are converted to a brand other than the MasterCard® brand for the duration of the cardholders’ relationship with Licensee (the “Non-Conversion Period”). Licensee further acknowledges and agrees that if, during the Non-Conversion Period, Licensee in any way divests itself (including, without limitation, by way of sale of any MasterCard-branded payment cards, by voluntary or involuntary transfer, by operation of law or otherwise) of one or more MasterCard-branded payment cards that would have been subject to the terms of the Supplement had no such divestiture occurred, then Licensee shall guarantee to MasterCard the continued observance by the entity acquiring such MasterCard-branded payment cards of the provisions and obligations of this subsection following such divestiture with respect to the divested MasterCard-branded payment cards. The provisions of this subsection shall survive termination of this Supplement.


 


	 	h.	Switching Exclusivity. Licensee hereby agrees that all of its MasterCard-branded payment card transactions will be routed for authorization, clearing and settlement through the Global Clearing Management System (GCMS), the centralized clearing facility owned and operated by MasterCard for the daily processing and routing of financial transactions between MasterCard and its members.


 


	 	i.	Legal and Regulatory Compliance; Indemnification. Licensee hereby represents and warrants to MasterCard that the execution and delivery of the License Agreement (as modified by this Supplement), and the performance of the MasterCard limited issuing business in Brazil contemplated in such documents, do not violate any law, statute, ordinance, regulation, judgment, writ, injunction, rule, decree, order, or any other restriction or requirement of any kind or character applicable to Licensee. Licensee hereby further represents and warrants to MasterCard that Licensee’s activities to be performed pursuant to the License shall not constitute banking activity under applicable Brazilian law or regulation. In addition to any other indemnification obligation Licensee may owe to MasterCard under the License Agreement, Rules or otherwise, Licensee shall indemnify and hold harmless MasterCard, and its stockholders, directors, officers, employees, agents and affiliates, from and against any and all actions, proceedings, losses, costs, expenses (including, without limitation, the fees and expenses of counsel for MasterCard at both trial and all appellate and bankruptcy levels), claims and/or demands in any way arising out of the acts or omissions and/or the performance or failure to perform by Licensee in connection with the representations and/or warranties made by Licensee to MasterCard under this subsection, including, without limitation, in the event that any of such representations and/or warranties are not true.


 


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CONFIDENTIAL


 


2. Miscellaneous. Except as expressly supplemented or amended
herein, the License Agreement shall continue in full force and effect as in effect on the date of this License Supplement. To the extent
that any such terms of the License Agreement conflict with the terms of this Supplement, the terms of this Supplement shall govern. All
capitalized terms not defined herein shall have the meanings given to them in the License Agreement or Rules. For purposes of this Supplement:
(i) the term “MasterCard Credit Product(s)” means a MasterCard-branded credit card that has the characteristics approved
by MasterCard’s Franchise Department in authorizing the issuance of such a product in accordance with the Rules; (ii) the term
“MasterCard Debit Product(s)” means a MasterCard-branded debit card that has the characteristics approved by MasterCard’s
Franchise Department in authorizing the issuance of such a product in accordance with the Rules; and, (iii) the term “MasterCard
Prepaid Product(s)” means a MasterCard-branded prepaid card that has the characteristics approved by MasterCard’s Franchise
Department in authorizing the issuance of such a product in accordance with the Rules. Nothing herein is, or shall be construed as, a
waiver or release of any right or privileged held by, or obligation Licensee may owe to, MasterCard under the License Agreement or Rules.
All such rights and privileges are affirmatively retained by MasterCard.


IN WITNESS WHEREOF, the parties
have negotiated and agreed upon each and every one of the provisions in this Supplement for which reason this Supplement cannot under
any circumstances be considered an adhesion contract and have executed this Supplement as of the date first written above.


 


	 	 	 
	MASTERCARD INTERNATIONAL INCORPORATED
	 	 
	By:	 	
    /s/ Ajay Banga

	Name: AJAY BANGA
	Title: PRESIDENT & CEO
	 
	Effective Date: 29/JAN/2014
	 
	EO2 SOLUÇÕES DE PAGAMENTO S.A.
	 	 
	By:	 	
    /s/ Cristina Junqueira

	Name: CRISTINA JUNQUEIRA
	Title: DIRECTOR
	 
	Date: 19/DEC/2013


 


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