Context:
                    75

                                                                               Intercountry fallback fee rates
                    Intra-EEA plus United Kingdom  and Gibraltar Mastercard MoneySend   payment  transaction
                                                                                fallback service fee rates

              Intra-EEA  plus United Kingdom   and  Gibraltar Mastercard  MoneySend    payment

              transaction  fallback service fee rates
                   Transactions meeting interchange program criteria qualify for associated rates.

               Acceptance brand       Fee tier                IRD                    Fee rate

               Mastercard Debit       N/A                     Q2, Q3, Q4, Q5, Q7, Q8, 0.20% (maximum EUR
                                                              Q9, QL, QN, QO, MS     0.05)
               Mastercard Prepaid
               Debit Mastercard

               Mastercard Credit      N/A                     Q2, Q3, Q4, Q5, Q7, Q8, 0.30% (maximum EUR
                                                              Q9, QL, QN, QO, MS     0.05)

                   NOTE:

                   A late presentment fee of EUR 50 per transaction is charged to the originator if the payment
                   transaction is not submitted into GCMS within two processing days of receiving an approved
                   authorization response from the receiving issuer.

              Intra-EEA  plus United Kingdom   and  Gibraltar Mastercard  MoneySend    funding transaction

              fallback service fee rates

                   Transactions meeting interchange program criteria qualify for associated rates.

               Payment product        Fee tier                IRD                    Fee rate

               Mastercard Debit       N/A                     Q2, Q3, Q4, Q5, Q8, Q9, 0.20%
                                                              QL, QM, MS
               Mastercard Prepaid
               Debit Mastercard

               Mastercard Credit      N/A                     Q2, Q3, Q4, Q5, Q8, Q9, 0.30%

                                                              QL, QM, MS
               Mastercard Consumer    N/A                     Q6, Q7                 0.20%

               Debit
               Mastercard Consumer

               Prepaid
               Debit Mastercard

               Consumer

               Mastercard Consumer    N/A                     Q6, Q7                 0.30%
               Credit

               Mastercard Corporate   N/A                     Q6, Q7                 1.90%

               Business Premium Debit

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

Intra-EEA plus United Kingdom and Gibraltar

Mastercard MoneySend payment transaction

Mastercard Debit
Mastercard Prepaid
Debit Mastercard

Mastercard Debit
Mastercard Prepaid
Debit Mastercard

Mastercard Consumer Debit
Mastercard Consumer Prepaid
Debit Mastercard Consumer

Mastercard Corporate Business Premium Debit


Context:
                    76

                                                                               Intercountry fallback fee rates
                     Intra-EEA plus United Kingdom  and Gibraltar Mastercard MoneySend   funding transaction
                                                                                fallback service fee rates

               Payment product        Fee tier                IRD                    Fee rate

               Mastercard             N/A                     Q6, Q7                 1.65%

               BusinessCard/Mastercard
               Professional Card/
               Mastercard Executive
               BusinessCard/Mastercard
               Corporate Executive Card

               Mastercard Electronic
               BusinessCard

               Debit Mastercard for
               Business

               Mastercard Purchasing  N/A                     Q6, Q7                 1.65%

               Mastercard Fleetcard   N/A                     Q6, Q7                 1.65%

               Mastercard Prepaid     N/A                     Q6, Q7                 1.65%
               Commercial

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

Intra-EEA plus United Kingdom  and Gibraltar

Mastercard MoneySend funding transaction

Mastercard
BusinessCard/Mastercard Professional Card/ Mastercard Executive BusinessCard/Mastercard Corporate Executive Card
Mastercard Electronic BusinessCard
Debit Mastercard for Business


Context:
                    77

                                                                               Intercountry fallback fee rates
                 Intra-EEA plus United Kingdom and Gibraltar Mastercard payment   transaction fallback service
                                                                                fee rates

              Intra-EEA  plus United Kingdom   and  Gibraltar Mastercard  payment   transaction fallback

              service fee rates
                   Transactions meeting interchange program criteria qualify for associated rates.

               Payment product        Fee tier                IRD                    Fee rate

               Mastercard Consumer    N/A                     20                     EUR 0.65
               Standard

               Mastercard Gold

               Mastercard Platinum

               Mastercard Electronic
               Consumer

               Mastercard World/World
               Black Edition

               Mastercard World Elite

               Mastercard Prepaid
               Consumer

               Mastercard Prepaid
               Platinum

               Debit Mastercard
               Debit Mastercard Prepaid

               Debit Mastercard World

               World Elite Debit
               Mastercard

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

Intra-EEA plus United Kingdom and Gibraltar

Mastercard Consumer Standard
Mastercard Gold
Mastercard Platinum
Mastercard Electronic Consumer
Mastercard World/World Black Edition
Mastercard World Elite
Mastercard Prepaid Consumer
Mastercard Prepaid Platinum
Debit Mastercard
Debit Mastercard Prepaid
Debit Mastercard World
World Elite Debit Mastercard


Context:
                    78

                                                                               Intercountry fallback fee rates
                 Intra-EEA plus United Kingdom and Gibraltar Mastercard payment   transaction fallback service
                                                                                fee rates

               Payment product        Fee tier                IRD                    Fee rate

               Mastercard Corporate/  N/A                     21                     EUR 0.65

               Mastercard World
               Business

               Mastercard Electronic
               Commercial

               Mastercard Prepaid
               Commercial

               Mastercard
               BusinessCard/Mastercard
               Professional Card/
               Mastercard Executive
               BusinessCard/Mastercard

               Corporate Executive
               Card/Mastercard
               Executive BusinessCard/
               Mastercard Corporate
               Executive Card

               Mastercard Electronic
               BusinessCard

               Mastercard Purchasing

               Mastercard Fleetcard

               Debit Mastercard for
               Business

               Business Premium Debit

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

Intra-EEA plus United Kingdom and Gibraltar

Mastercard Corporate/Mastercard World Business
Mastercard Electronic Commercia
Mastercard Prepaid Commercial
Mastercard BusinessCard/Mastercard Professional Card/Mastercard Executive BusinessCard/Mastercard Corporate Executive Card/Mastercard Executive BusinessCard/Mastercard Corporate Executive Card
Mastercard Electronic BusinessCard
Mastercard Purchasing
Mastercard Fleetcard
Debit Mastercard for Business
Business Premium Debit


Context:
                    79

                                                                               Intercountry fallback fee rates
                 Intra-EEA plus United Kingdom and Gibraltar Mastercard payment   transaction fallback service
                                                                                fee rates

               Payment product        Fee tier                IRD                    Fee rate

               Mastercard Consumer    Merchant Rebate         MR                     0.00%

               Standard
               Mastercard Gold

               Mastercard Platinum

               Mastercard Electronic
               Consumer

               Mastercard World

               Mastercard World Elite

               Mastercard Prepaid
               Consumer

               Debit Mastercard
               Debit Mastercard Prepaid

               Mastercard Corporate/
               Mastercard World

               Business
               Mastercard Electronic

               Commercial
               Mastercard Prepaid

               Commercial
               Mastercard

               BusinessCard/Mastercard
               Professional Card/
               Mastercard Executive
               BusinessCard/Mastercard
               Corporate Executive

               Card/Mastercard
               Executive BusinessCard/
               Mastercard Corporate
               Executive Card

               Mastercard Electronic
               BusinessCard

               Mastercard Purchasing
               Card

               Mastercard Fleetcard

               Business Premium Debit

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

Intra-EEA plus United Kingdom and Gibraltar

Mastercard Consumer Standard
Mastercard Gold
Mastercard Platinum
Mastercard Electronic
Consumer
Mastercard World
Mastercard World Elite
Mastercard Prepaid
Consumer
Debit Mastercard
Debit Mastercard Prepaid
Mastercard Corporate/
Mastercard World
Business
Mastercard Electronic
Commercial
Mastercard Prepaid
Commercial
Mastercard
BusinessCard/Mastercard
Professional Card/
Mastercard Executive
BusinessCard/Mastercard
Corporate Executive
Card/Mastercard
Executive BusinessCard/
Mastercard Corporate
Executive Card
Mastercard Electronic
BusinessCard
Mastercard Purchasing
Card
Mastercard Fleetcard
Business Premium Debit


Context:
                    80

                                                                               Intercountry fallback fee rates
                       Intra-EEA plus United Kingdom  and Gibraltar Mastercard initiated rewards transactions

              Intra-EEA  plus United Kingdom   and  Gibraltar Mastercard  initiated rewards transactions

                   Transactions meeting interchange program criteria qualify for associated rates.

               Acceptance brand       Fee tier                IRD                    Fee rate

               Mastercard             Mastercard Initiated    2A                     0.00%
               Debit Mastercard       Rewards

              Intra-EEA  plus United Kingdom   and  Gibraltar Mastercard  prepaid card  load interchange
              rates

                   Transactions meeting interchange program criteria qualify for associated rates.

                   Table 3: Intra-EEA plus United Kingdom and Gibraltar

                    Payment product   Fee tier         MCC               TTI               Service fee rate

                    Mastercard        Q1: Prepaid Card 4829              F64               0.30% (EUR 0.05
                    Consumer Credit   Load                                                 maximum)

                    Mastercard        Q1: Prepaid Card 4829              F64               0.20% (EUR 0.05
                    Consumer Debit,   Load                                                 maximum)
                    Prepaid

              Intra-EEA  plus United Kingdom   and  Gibraltar Maestro  POS  fallback interchange  fee rates

                   Transactions meeting interchange program criteria qualify for associated rates.

                   NOTE: Acquirers must submit the transaction with the interchange rate designator (IRD) for the
                   lowest fee tier applicable to them.

                   NOTE: A maximum  amount of EUR 0.05 is applicable to refund transactions with a consumer product
                   (processing code 20); 75 percent of the purchase rate is applicable to refund transactions with a
                   commercial product (processing code 20).

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

Intra-EEA plus United Kingdom and Gibraltar

Mastercard initiated rewards transactions


Context:
                    81

                                                                               Intercountry fallback fee rates
                      Intra-EEA plus United Kingdom and Gibraltar Maestro POS  fallback interchange fee rates

               Payment product                      Fee tier                IRD           Fee Rate

               Maestro Consumer                     Chip                    45            0.20%

               Maestro Consumer Prepaid             Secure E-commerce       48            0.20%

                                                    PIN Verified            46            0.20%

                                                    Signature Verified      47            0.20%

                                                    Mail Order/Telephone    MO            0.20%
                                                    Order 27

                                                    Chip: Late Presentment  49            0.20%

                                                    Contactless 28          P1            0.20%

                                                    Masterpass Wallet       PW            0.20%

               Maestro Small Business               Chip                    45            1.25%

                                                    Chip: Late Presentment  49            1.65%

                                                    PIN Verified            46            1.35%

                                                    Signature Verified      47            1.65%

                                                    Masterpass Wallet       PW            1.50%

                                                    Secure E-commerce       48            1.50%

                                                    Mail Order/Telephone    MO            1.50%
                                                    Order

                                                    Contactless             P1            1.25%

                27 Maestro MO/TO is permitted only for refund transactions.
                28 For transactions less than or equal to EUR 25 only. Transactions greater than EUR 25 are processed under normal
                   Maestro acceptance criteria.

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

Intra-EEA plus United Kingdom and Gibraltar

27 Maestro MO/TO is permitted only for refund transactions.

28 For transactions less than or equal to EUR 25 only. Transactions greater than EUR 25 are processed under normal Maestro acceptance criteria.

Maestro Consume
Maestro Consumer Prepaid


Context:
                    82

                                                                               Intercountry fallback fee rates
                    Intra-EEA plus United Kingdom and  Gibraltar Maestro purchase with cash back fallback fee
                                                                                rates

               Payment product                      Fee tier                IRD           Fee Rate

               Maestro Prepaid Commercial           Chip                    45            0.40% + EUR 0.05

                                                    Chip: Late Presentment  49            0.75% + EUR 0.05

                                                    PIN Verified            46            0.50% + EUR 0.05

                                                    Signature Verified      47            0.75% + EUR 0.05

                                                    Masterpass Wallet       PW            1.50%

                                                    Secure E-commerce       48            1.05% + EUR 0.05

                                                    Mail Order/Telephone    MO            1.05% + EUR 0.05
                                                    Order

                                                    Contactless             P1            0.40% + EUR 0.05

              Intra-EEA  plus United Kingdom   and  Gibraltar Maestro  purchase  with cash back  fallback

              fee rates
                   Transactions meeting interchange program criteria qualify for associated rates.

                   A Purchase with Cash Back transaction refers to a purchase made with a Maestro card with a

                   request by the cardholder for cash at a face-to-face point-of-sale location.

                   Merchants  can either automatically or otherwise prompt the cardholder to see if he or she
                   would like cash in addition to the other items purchased. The transaction value, inclusive of the
                   cash value, is then debited from the cardholder’s account.

                   For any intra-EEA Maestro Purchase with Cash Back transaction, the Maestro POS fallback

                   interchange fees are applied only to the purchase part of the transaction. The Service Fee on
                   the cash back part of the transaction is zero.

               Acceptance brand       Fee tier                IRD                    Fee rate

               Maestro                Purchase part of the    Depending on tier claimed POS interchange rate
                                      Purchase with Cash Back                        relevant to the applicable
                                      transaction                                    tier. Refer to Intra-EEA
                                                                                Maestro POS Fallback
                                                                                Interchange Fee Rates.

                                      Cash back part of the   N/A                    0.00
                                      Purchase with Cash Back
                                      transaction

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

Intra-EEA plus United Kingdom and  Gibraltar


Context:
                    83

                                                                               Intercountry fallback fee rates
                   Intra-EEA plus United Kingdom and  Gibraltar Maestro and Cirrus manual cash disbursement
                                                                                fallback service fee rates

              Intra-EEA  plus United Kingdom   and  Gibraltar Maestro  and Cirrus manual  cash

              disbursement   fallback service fee rates
                   Transactions meeting interchange program criteria qualify for associated rates.

                    Acceptance brand      Fee tier                   IRD          Fee rate

                    Maestro               Combined Chip EMV and      32           0.12% + EUR 0.55
                                          Magnetic Stripe In-branch
                    Cirrus
                                          Terminal

                                          Full Chip EMV In-branch    33           0.12% + EUR 0.50
                                          Terminal

                                          Magnetic Stripe-only In-   31           0.12% + EUR 0.45
                                          branch Terminal

              Intra-EEA  plus United Kingdom   and  Gibraltar Maestro  rePower  fallback service fee rates
                   Transactions meeting interchange program criteria qualify for associated rates.

               Acceptance brand       Fee tier                IRD                    Fee rate

               Maestro                N/A                     ER                     EUR 0.00

              Intra-EEA  plus United Kingdom   and  Gibraltar Maestro  MoneySend   payment   transaction

              fallback service fee rates
                   Transactions meeting interchange program criteria qualify for associated rates.

               Acceptance brand       Fee tier                IRD                    Fee rate

               Maestro                N/A                     Q2, Q3, Q4, Q5, Q7, Q8, 0.20% (maximum EUR
                                                              Q9, QL, QN, QO, MS     0.05)

                   NOTE:

                   A late presentment fee of EUR 50 per transaction is charged to the originator if the payment
                   transaction is not submitted into GCMS within two processing days of receiving an approved
                   authorization response from the receiving issuer.

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

Context lacks a Payment product


Context:
                    84

                                                                               Intercountry fallback fee rates
                Intra-EEA plus United Kingdom  and Gibraltar Maestro MoneySend   funding transaction fallback
                                                                                service fee rates

              Intra-EEA  plus United Kingdom   and  Gibraltar Maestro  MoneySend   funding  transaction

              fallback service fee rates
                   Transactions meeting interchange program criteria qualify for associated rates.

               Payment product        Fee tier                IRD                    Fee rate

               Maestro                N/A                     Q2, Q3, Q4, Q5, Q8, Q9, 0.20%
                                                              QL, QM, MS
               Cirrus

               Maestro Consumer       N/A                     Q6, Q7                 0.20%

               Maestro Consumer
               Prepaid

               Maestro Small Business N/A                     Q6, Q7                 1.50%

               Maestro Prepaid        N/A                     Q6, Q7                 1.05% + EUR 0.05
               Commercial

              Intra-EEA  plus United Kingdom   and  Gibraltar Maestro  payment   transaction fallback
              service fee rates

                   Transactions meeting interchange program criteria qualify for associated rates.

               Payment product        Fee tier                IRD                    Fee rate

               Maestro                N/A                     23                     EUR 0.65
               Maestro Prepaid

               Consumer
               Maestro Prepaid

               Commercial
               Maestro Small Business

               Maestro                N/A                     MR                     0.00%
               Maestro Prepaid

               Consumer
               Maestro Prepaid

               Commercial
               Maestro Small Business

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

Intra-EEA plus United Kingdom and Gibraltar

Maestro Consumer
Maestro Consumer Prepaid

Maestro
Maestro Prepaid Consumer
Maestro Prepaid Commercial
Maestro Small Business

Maestro
Maestro Prepaid Consumer
Maestro Prepaid Commercial
Maestro Small Business


Context:
                    85

                                                                               Intercountry fallback fee rates
                     Intra-EEA plus United Kingdom and  Gibraltar Maestro prepaid card load interchange rates

              Intra-EEA  plus United Kingdom   and  Gibraltar Maestro  prepaid card load interchange  rates

                   Transactions meeting interchange program criteria qualify for associated rates.

                   Table 4: Intra-EEA plus United Kingdom and Gibralatar (excluding domestic UK)

                                                                MCC  4829 (Money      MCC  6540 (POI Funding
                    Payment product       Fee tier              Transfer)             Transactions)

                    Maestro Consumer      IRD Q1: Debit and     0.20% (EUR 0.05       0.20%
                                          Prepaid Card Load     maximum)

              Intra-EEA  plus United Kingdom   and  Gibraltar ATM  fallback service fee rates

                   Transactions meeting interchange program criteria qualify for associated rates.

               Acceptance brand       Fee tier                IRD                    Fee rate 29

               Mastercard             Combined Chip EMV and   51                     0.12% + EUR 0.55
                                      Magnetic Stripe ATM
               Debit Mastercard                               51                     (-EUR 8.00)
                                      (Late presentment)
               Maestro

               Cirrus
               Business Premium Debit

                                      Full Chip EMV ATM       56                     0.12% + EUR 0.50
                                      (Late presentment)      56                     (-EUR 8.00)

                                      Magnetic Stripe-only ATM 75, 85, 88 30         0.12% + EUR 0.45
                                      (Late presentment)      75, 85, 88             (-EUR 8.00)

                   The following table describes the high-level requirements for cards and terminals.

               IRD                            Terminal                       Card

               51                             EMV-compliant                  N/A

               56                             EMV-compliant                  Chip EMV

               75, 85, 88                     N/A                            N/A

                29 As of 1 June 2010 the ATM Service Fee is zero if an Access Fee (ATM surcharge fee) has been charged directly to
                   the cardholder for an ATM cash withdrawal.
                30 Any of the values may be used

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

The context lacks a Payment product, Fee tier, and Fee rate in the same table


Context:
                    86

                                                                               Intercountry fallback fee rates
               Intra-EEA plus United Kingdom and  Gibraltar fallback interchange fee rates for purchase at ATM

              Intra-EEA  plus United Kingdom   and  Gibraltar fallback interchange fee rates for purchase

              at ATM
                   Transactions meeting interchange program criteria qualify for associated rates.

               Payment product        Fee tier                IRD                    Fee rate

               Mastercard Corporate/  Purchase at ATM         AL                     1.50%
               Mastercard World
               Business18             Purchase at ATM—Late    MT                     1.90%

                                      Presentment
               Mastercard Electronic
               Corporate

               Maestro Small Business Purchase at ATM         AL                     1.25%

                                      Purchase at ATM—Late    MT                     1.65%
                                      Presentment

               Maestro Prepaid        Purchase at ATM         AL                     0.40% + EUR 0.05

               Commercial
                                      Purchase at ATM—Late    MT                     0.75% + EUR 0.05
                                      Presentment

               Mastercard             Purchase at ATM         AL                     1.25%
               BusinessCard/Mastercard
               Professional Card/     Purchase at ATM-Late    MT                     1.65%

               Mastercard Executive   Presentment
               BusinessCard/Mastercard
               Corporate Executive
               Card/Mastercard
               Executive BusinessCard/

               Mastercard Corporate
               Executive Card 18

               Mastercard Electronic
               BusinessCard

               Mastercard Purchasing 18
               Mastercard Fleetcard 18

               Debit Mastercard for
               Business

               Mastercard Prepaid
               Commercial 18

                31 If the acquirer meets the requirements and provides the required additional data, Mastercard calculates the fee
                   amount by deducting the incentive amount (= incentive rate applied to the transaction amount)from the applicable
                   interchange fee amount (= interchange rate applied to the transaction amount). Refer to Intra-EEA Mastercard POS
                   Fallback Interchange Fee Rates.

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

Intra-EEA plus United Kingdom and Gibraltar

31 If the acquirer meets the requirements and provides the required additional data, Mastercard calculates the fee amount by deducting the incentive amount (= incentive rate applied to the transaction amount)from the applicable interchange fee amount (= interchange rate applied to the transaction amount). Refer to Intra-EEA Mastercard POS Fallback Interchange Fee Rates.

Mastercard Corporate/Mastercard World Business18
Mastercard Electronic Corporate

Mastercard BusinessCard/Mastercard Professional Card/Mastercard Executive BusinessCard/Mastercard Corporate Executive Card/Mastercard Executive BusinessCard/Mastercard Corporate Executive Card 18
Mastercard Electronic BusinessCard
Mastercard Purchasing 18
Mastercard Fleetcard 18
Debit Mastercard for Business
Mastercard Prepaid Commercial 18


Context:
                    87

                                                                               Intercountry fallback fee rates
                        Fee collection rates on intra-EEA plus United Kingdom and Gibraltar non-financial ATM
                                                                                transactions

               Payment product        Fee tier                IRD                    Fee rate

               Debit Master Card      Purchase at ATM         AL                     0.20%

               Consumer
                                      Purchase at ATM-Late    MT                     0.20%
               Mastercard Consumer    Presentment
               Prepaid
               Mastercard Consumer

               Debit
               Maestro Consumer

               Maestro Prepaid
               Consumer

               Cirrus

               Mastercard Consumer    Purchase at ATM         AL                     0.30%

               Credit
                                      Purchase at ATM-Late    MT                     0.30%
                                      Presentment

              Fee  collection rates on intra-EEA plus United Kingdom   and Gibraltar non-financial ATM

              transactions
                   Transactions meeting interchange program criteria qualify for associated rates.

                   Fee collection rates on intra-EEA cross-border non-financial ATM transactions (PIN
                   management,   balance inquiries, and declines) are in the following table.

                    Acceptance brand      Transaction type      Fee reason code       Fee rate

                    Mastercard            ATM Balance Inquiry   7621                  EUR  0.24

                    Debit Mastercard      PIN Management        7625                  EUR  0.24

                    Maestro               Service at ATM

                    Cirrus                Declined transactions 7629                  EUR  0.00

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

intra-EEA plus United Kingdom and Gibraltar

Debit Master Card Consumer
Mastercard Consumer Prepaid
Mastercard Consumer Debit
Maestro Consumer
Maestro Prepaid Consumer
Cirrus


Context:
                    88

                                                                               Intercountry fallback fee rates
                                                          Intra-Western  fallback interchange and service fees

              Intra-Western        fallback   interchange      and   service   fees

                   This section describes the intra-Western fallback fees.

              Intra-Western   Mastercard  POS  fallback interchange  fee rates

                   Transactions meeting interchange program criteria qualify for associated rates.

                   NOTE: Acquirers must submit the transaction with the interchange rate designator (IRD) for the
                   lowest fee tier applicable to them.

                   NOTE: A maximum  amount of EUR 0.05 is applicable to refund transactions with a consumer product
                   (processing code 20); 75 percent of the purchase rate is applicable to refund transactions with a
                   commercial product (processing code 20).

                    Payment product       Fee tier              IRD                   Revised rates

                    Mastercard Consumer   Contactless32         P2                    0.59%
                    Standard
                                          Chip                  50, 53                0.59%
                    Debit Mastercard
                    Standard              Enhanced Electronic   84, 88                0.74%

                                          Merchant UCAF         24                    0.99%

                                          Full UCAF             79                    1.19%
                                          Base                  75, 85                1.19%

                                          Purchase at ATM       AL                    0.59%

                                          Purchase at ATM (late MT                    1.09%
                                          presentment)

                    Platinum Mastercard   Contactless32         P2                    1.55%

                    Platinum Debit        Chip                  50, 53                1.55%
                    Mastercard
                                          Enhanced Electronic   84, 88                1.55%

                                          Merchant UCAF         24                    1.55%

                                          Full UCAF             79                    1.55%

                                          Base                  75, 85                1.55%

                                          Purchase at ATM       AL                    1.55%

                                          Purchase at ATM (late MT                    1.55%
                                          presentment)

                32 For transactions less than or equal to EUR 25 or its equivalent in local currency. Transactions greater than EUR 25 or
                   its equivalent in local currency are processed under normal Mastercard acceptance criteria.

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

fallback interchange fee rates and service fees

32 For transactions less than or equal to EUR 25 or its equivalent in local currency. Transactions greater than EUR 25 or its equivalent in local currency are processed under normal Mastercard acceptance criteria.

Mastercard Consumer Standard
Debit Mastercard Standard

Platinum Mastercard
Platinum Debit Mastercard


Context:
                    89

                                                                               Intercountry fallback fee rates
                                                 Intra-Western Mastercard POS  fallback interchange fee rates

                    Payment product       Fee tier              IRD                   Revised rates

                    World Mastercard      Contactless32         P2                    1.70%

                    World Debit Mastercard Chip                 50, 53                1.70%

                    Mastercard Black
                                          Enhanced Electronic   84, 88                1.70%
                    Mastercard Black Debit
                                          Merchant UCAF         24                    1.70%
                                          Full UCAF             79                    1.70%

                                          Base                  75, 85                1.70%

                                          Purchase at ATM       AL                    1.70%

                                          Purchase at ATM (late MT                    1.70%
                                          presentment)

                    World Elite Mastercard Contactless32        P2                    1.80%
                    World Elite Debit     Chip                  50, 53                1.80%
                    Mastercard

                                          Enhanced Electronic   84, 88                1.80%
                                          Merchant UCAF         24                    1.80%

                                          Full UCAF             79                    1.80%

                                          Base                  75, 85                1.80%

                                          Purchase at ATM       AL                    1.80%

                                          Purchase at ATM (late MT                    1.80%
                                          presentment)

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

World Mastercard
World Debit Mastercard
Mastercard Black
Mastercard Black Debit

World Elite Mastercard
World Elite Debit Mastercard


Context:
                    90

                                                                               Intercountry fallback fee rates
                                                 Intra-Western Mastercard POS  fallback interchange fee rates

                    Payment product       Fee tier              IRD                   Revised rates

                    Mastercard Corporate/ Chip                  50, 53                1.50%

                    Mastercard World
                                          (Incentive rate) 33                         (-0.30%)
                    Business
                    Mastercard Electronic Enhanced Electronic   84, 88                1.60%
                    Corporate             (Incentive rate) 33                         (-0.30%)

                    Business Premium Debit
                                          Merchant UCAF         24                    1.60%
                    European Regulated
                    Individual Pay        (Incentive rate) 33                         (-0.30%)
                                          Full UCAF             79                    1.75%

                                          (Incentive rate) 33 34                      (-0.30%)

                                          Base                  75, 85                1.90%

                                          (Incentive rate) 33                         (-0.30%)

                                          Contactless 32        P2                    0.80%

                    Mastercard            Chip                  50, 53                1.25%
                    BusinessCard
                                          (Incentive rate) 33                         (-0.30%)
                    Mastercard Electronic
                    BusinessCard/         Enhanced Electronic   84, 88                1.35%
                    Mastercard Professional (Incentive rate) 33                       (-0.30%)
                    Card

                    Debit Mastercard for  Merchant UCAF         24                    1.35%
                    Business              (Incentive rate) 33                         (-0.30%)

                                          Full UCAF             79                    1.50%
                                          (Incentive rate) 33 34                      (-0.30%)

                                          Base                  75, 85                1.65%
                                          (Incentive rate) 33                         (-0.30%)

                                          Contactless32         P2                    0.80%

                33 If the acquirer meets the requirements and provides the required additional data, Mastercard calculates the fee
                   amount by deducting the incentive amount (= incentive rate applied to the transaction amount)from the applicable
                   interchange fee amount (= interchange rate applied to the transaction amount). Refer to Optional Addendum
                   Message Requirements.
                34 Full UCAF tier is applicable to any Mastercard Electronic card Internet transactions only through the use of
                   Mastercard SecureCode through Universal Card Acceptance (UCAF) authentication

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

33 If the acquirer meets the requirements and provides the required additional data, Mastercard calculates the fee amount by deducting the incentive amount (= incentive rate applied to the transaction amount)from the applicable interchange fee amount (= interchange rate applied to the transaction amount). Refer to Optional Addendum Message Requirements.

34 Full UCAF tier is applicable to any Mastercard Electronic card Internet transactions only through the use of Mastercard SecureCode through Universal Card Acceptance (UCAF) authentication

Mastercard Corporate/Mastercard World Business
Mastercard Electronic Corporate
Business Premium Debit
European Regulated Individual Pay

Mastercard BusinessCard
Mastercard Electronic BusinessCard/Mastercard Professional Card
Debit Mastercard for Business


Context:
                    91

                                                                               Intercountry fallback fee rates
                                                 Intra-Western Mastercard POS  fallback interchange fee rates

                    Payment product       Fee tier              IRD                   Revised rates

                    Mastercard Purchasing Chip                  50, 53                1.50%

                                          (Incentive rate) 33                         (-0.30%)

                                          Enhanced Electronic   84, 88                1.60%

                                          (Incentive rate) 33                         (-0.30%)

                                          Merchant UCAF         24                    1.60%

                                          (Incentive rate) 33                         (-0.30%)

                                          Full UCAF             79                    1.75%

                                          (Incentive rate) 33 34                      (-0.30%)

                                          Base                  75, 85                1.90%

                                          (Incentive rate) 33                         (-0.30%)

                                          Contactless 32        P2                    0.80%

                                          Large Ticket Level 1 35 26                  1.00% + EUR 20.00

                                          Large Ticket Level 2 36 27                  0.75% + EUR 45.00

                    Mastercard Fleetcard  Chip                  50, 53                1.50%

                                          (Incentive rate) 33                         (-0.30%)

                                          Enhanced Electronic   84, 88                1.60%

                                          (Incentive rate) 33                         (-0.30%)

                                          Merchant UCAF         24                    1.60%

                                          (Incentive rate) 33                         (-0.30%)

                                          Full UCAF             79                    1.75%

                                          (Incentive rate) 33 34                      (-0.30%)

                                          Base                  75, 85                1.90%

                                          (Incentive rate) 33                         (-0.30%)

                                          Contactless 32        P2                    0.80%

                                          Large Ticket Level 1 35 26                  1.00% + EUR 20.00

                                          Large Ticket Level 2 36 27                  0.75% + EUR 45.00

                35 Applicable to transactions greater than EUR 3,000. The enriched data incentive is not applicable.
                36 Applicable to transactions greater than EUR 10,000. The enriched data incentive is not applicable.

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

35 Applicable to transactions greater than EUR 3,000. The enriched data incentive is not applicable.

36 Applicable to transactions greater than EUR 10,000. The enriched data incentive is not applicable.
(Incentive rate) 33


Context:
                    92

                                                                               Intercountry fallback fee rates
                                         Intra-Western Mastercard  purchase with cash back fallback fee rates

                    Payment product       Fee tier              IRD                   Revised rates

                    Mastercard Prepaid    Chip                  50, 53                1.25%

                    Commercial
                                          (Incentive rate) 33                         (-0.30%)
                    NOTE: IRDs 24 and 79
                                          Enhanced Electronic   84, 88                1.35%
                    are not valid on
                    transactions with     (Incentive rate) 33                         (-0.30%)
                    commercial cards in
                    EEA countries.        Merchant UCAF         24                    1.35%
                                          (Incentive rate) 33                         (-0.30%)

                                          Full UCAF             79                    1.50%

                                          (Incentive rate) 33 34                      (-0.30%)

                                          Base                  75, 85                1.65%

                                          (Incentive rate) 33                         (-0.30%)

                                          Contactless 32        P2                    0.55%

              Intra-Western   Mastercard  purchase  with cash  back fallback fee rates
                   Transactions meeting interchange program criteria qualify for associated rates.

                   A Purchase with Cash Back transaction refers to a purchase made with a Mastercard or a Debit

                   Mastercard  card with a request by the cardholder for cash at a face-to-face point-of-sale
                   location. With the MCC acceptance brand, Purchase with Cash Back is available only on
                   chip/PIN and chip/signature transactions.

                   Merchants  can either automatically or otherwise prompt the cardholder to see if he or she

                   would like cash in addition to the other items purchased. The transaction value, inclusive of the
                   cash value, is then debited from the cardholder’s account.

                   For any intra-Western Purchase with Cash Back transaction, the applicable Mastercard or Debit
                   Mastercard  POS fallback interchange fees are applied only to the purchase part of the

                   transaction. The Service Fee on the cash back part of the transaction is zero.

              ©1999–2023   Mastercard. Proprietary. All rights reserved.


Context:
                    93

                                                                               Intercountry fallback fee rates
                                Intra-Western Mastercard  manual  cash disbursement fallback service fee rates

               Acceptance Brand       Fee Tier                IRD                    Fee Rate

               Mastercard             Purchase part of the    Depending on tier claimed POS interchange rate
                                      Purchase with Cash Back                        relevant to the applicable
               Debit Mastercard
                                      transaction                                    tier. Refer to Intra-
                                                                                Western Mastercard POS
                                                                                Fallback Interchange Fee
                                                                                Rates.

                                      Cash back part of the   N/A                    EUR 0.00
                                      Purchase with Cash Back
                                      transaction

              Intra-Western   Mastercard  manual  cash  disbursement  fallback service fee rates
                   Transactions meeting interchange program criteria qualify for associated rates.

                    Acceptance brand      Fee tier              IRD                   Fee rate

                    Mastercard            N/A                   75, 85, 88 37         1%

                    Debit Mastercard                                                  (EUR 5.00 minimum)

              Intra-Western   Mastercard  rePower  fallback service fee rates

                   Transactions meeting interchange program criteria qualify for associated rates.

               Acceptance brand       Fee tier                IRD                    Fee rate

               Mastercard             N/A                     ER                     EUR 0.00

               Debit Mastercard

              Intra-Western   Mastercard  MoneySend    payment   transaction fallback service fee rates

                   Transactions meeting interchange program criteria qualify for associated rates.

               Acceptance brand       Fee tier                IRD                    Fee rate

               Mastercard Credit      N/A                     Q2, Q3, Q4, Q5, Q7, Q8, 0.30% (maximum EUR

                                                              Q9, QL, QN, QO, MS     0.05)
               Debit Mastercard       N/A                     Q2, Q3, Q4, Q5, Q7, Q8, 0.20% (maximum EUR

                                                              Q9, QL, QN, QO, MS     0.05)

                37 Any of the values may be used

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

Context lacks a Payment product


Context:
                    94

                                                                               Intercountry fallback fee rates
                           Intra-Western Mastercard  MoneySend   funding transaction fallback service fee rates

                   NOTE: A late presentment fee of EUR 50 per transaction is charged to the originator if the payment
                   transaction is not submitted into GCMS within two processing days of receiving an approved
                   authorization response from the receiving issuer.

              Intra-Western   Mastercard  MoneySend    funding transaction  fallback service fee rates

                   Transactions meeting interchange program criteria qualify for associated rates.

               Payment product        Fee tier                IRD                    Fee rate

               Mastercard Debit       N/A                     Q2, Q3, Q4, Q5, Q8, Q9, 0.20%
                                                              QL, QM, MS
               Mastercard Prepaid
               Debit Mastercard

               Mastercard Credit      N/A                     Q2, Q3, Q4, Q5, Q8, Q9, 0.30%

                                                              QL, QM, MS
               Mastercard Consumer    N/A                     Q1, Q6, Q7             1.19%

               Standard
               Debit Mastercard

               Standard

               Platinum Mastercard    N/A                     Q1, Q6, Q7             1.55%

               Platinum Debit
               Mastercard

               World Mastercard       N/A                     Q1, Q6, Q7             1.70%

               World Debit Mastercard

               Mastercard Black
               Mastercard Black Debit

               World Elite Mastercard N/A                     Q1, Q6, Q7             1.80%
               World Elite Debit

               Mastercard

               Mastercard Corporate   N/A                     Q1, Q6, Q7             1.90%

               Mastercard World
               Business

               Business Premium Debit
               European Regulated

               Individual Pay

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

Mastercard MoneySend funding transaction

Mastercard Debit
Mastercard Prepaid
Debit Mastercard

Mastercard Consumer Standard
Debit Mastercard Standard

Platinum Mastercard
Platinum Debit Mastercard

World Mastercard
World Debit Mastercard
Mastercard Black
Mastercard Black Debit

World Elite Mastercard
World Elite Debit Mastercard

Mastercard Corporate
Mastercard World Business
Business Premium Debit
European Regulated Individual Pay


Context:
                    95

                                                                               Intercountry fallback fee rates
                                     Intra-Western  Mastercard payment  transaction fallback service fee rates

               Payment product        Fee tier                IRD                    Fee rate

               Mastercard BusinessCard N/A                    Q1, Q6, Q7             1.65%

               Mastercard Electronic
               BusinessCard

               Mastercard Professional
               Card

               Debit Mastercard for
               Business

               Mastercard Purchasing  N/A                     Q1, Q6, Q7             1.90%

               Mastercard Fleetcard   N/A                     Q1, Q6, Q7             1.90

               Mastercard Prepaid     N/A                     Q1, Q6, Q7             1.65
               Commercial

              Intra-Western   Mastercard  payment   transaction  fallback service fee rates

                   Transactions meeting interchange program criteria qualify for associated rates.

               Payment product        Fee tier                IRD                    Fee rate

               Mastercard Consumer    N/A                     20                     EUR 0.65
               Standard

               Mastercard Gold
               Mastercard Platinum

               Mastercard Electronic
               Consumer

               Mastercard World/World
               Black Edition

               Mastercard World Elite

               Mastercard Prepaid
               Consumer

               Mastercard Prepaid
               Platinum

               Debit Mastercard

               Debit Mastercard Prepaid

               Debit Mastercard World
               World Elite Debit

               Mastercard

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

Mastercard BusinessCard
Mastercard Electronic BusinessCard
Mastercard Professional Card
Debit Mastercard for Business

Mastercard Consumer Standard
Mastercard Gold
Mastercard Platinum
Mastercard Electronic Consumer
Mastercard World/World Black Edition
Mastercard World Elite
Mastercard Prepaid Consumer
Mastercard Prepaid Platinum
Debit Mastercard
Debit Mastercard Prepaid
Debit Mastercard World
World Elite Debit Mastercard


Context:
                    96

                                                                               Intercountry fallback fee rates
                                                     Intra-Western Mastercard  initiated rewards transactions

               Payment product        Fee tier                IRD                    Fee rate

               Mastercard Corporate/  N/A                     21                     EUR 0.65

               Mastercard Worldwide
               Business

               European Regulated
               Individual Pay

               Business Premium Debit
               Mastercard Electronic

               Commercial
               Mastercard Prepaid

               Commercial
               Mastercard

               BusinessCard/Mastercard
               Professional Card/
               Mastercard Executive
               BusinessCard/Mastercard
               Corporate Executive Card

               Mastercard Electronic
               BusinessCard

               Mastercard Purchasing

               Mastercard Fleetcard

               Debit Mastercard for
               Business

              Intra-Western   Mastercard  initiated rewards  transactions

                   Transactions meeting interchange program criteria qualify for associated rates.

               Acceptance brand       Fee tier                IRD                    Fee rate

               Mastercard             Mastercard Initiated    2A                     0.00%
               Debit Mastercard       Rewards

              Intra-Western   Maestro  POS  fallback interchange  fee rates
                   Transactions meeting interchange program criteria qualify for associated rates.

                   NOTE: Acquirers must submit the transaction with the interchange rate designator (IRD) for the
                   lowest fee tier applicable to them.

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

Mastercard Corporate/Mastercard Worldwide Business
European Regulated Individual Pay
Business Premium Debit
Mastercard Electronic Commercial
Mastercard Prepaid Commercial
Mastercard BusinessCard/Mastercard Professional Card/Mastercard Executive BusinessCard/Mastercard Corporate Executive Card
Mastercard Electronic BusinessCard
Mastercard Purchasing
Mastercard Fleetcard
Debit Mastercard for Business


Context:
                    97

                                                                               Intercountry fallback fee rates
                                                    Intra-Western Maestro POS  fallback interchange fee rates

                   NOTE: A maximum  amount of EUR 0.05 is applicable to refund transactions with a consumer product
                   (processing code 20); 75 percent of the purchase rate is applicable to refund transactions with a
                   commercial product (processing code 20).

               Payment product        Fee tier                IRD                    Fee rate

               Maestro Consumer       Contactless38           P1                     0.45%
               Maestro Prepaid        Chip                    45                     0.45%

               Consumer
                                      Secure e-commerce       48                     0.65%

                                      PIN-verified            46                     0.45%

                                      Signature verified      47                     0.45%
                                      Mail Order /Telephone   MO                     1.05%

                                      Order 39

                                      Chip - late presentment 49                     1.05%
                                      Purchase at ATM         AL                     0.45%

                                      Purchase at ATM (late   MT                     1.05%

                                      presentment)
               Maestro Small Business Chip                    45                     1.25%

                                      Chip—Late Presentment   49                     1.65%

                                      PIN Verified            46                     1.35%

                                      Signature Verified      47                     1.65%

                                      Secure E-commerce       48                     1.50%

                                      Mail Order/Telephone    MO                     1.50%

                                      Order 39

                                      Contactless 38          P1                     0.80%

                38 For transactions less than or equal to EUR 25 or its equivalent in local currency. Transactions greater than EUR 25 or
                   its equivalent in local currency are processed under normal Mastercard acceptance criteria.
                39 Maestro MO/TO is permitted only for refund transactions.

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

38 For transactions less than or equal to EUR 25 or its equivalent in local currency. Transactions greater than EUR 25 or its equivalent in local currency are processed under normal Mastercard acceptance criteria

39 Maestro MO/TO is permitted only for refund transactions

Maestro Consumer
Maestro Prepaid Consumer


Context:
                    98

                                                                               Intercountry fallback fee rates
                                            Intra-Western  Maestro purchase with cash back fallback fee rates

               Payment product        Fee tier                IRD                    Fee rate

               Maestro Prepaid        Chip                    45                     0.40% + EUR 0.05

               (commercial)
                                      Chip—Late Presentment   49                     0.75% + EUR 0.05

                                      PIN Verified            46                     0.50% + EUR 0.05

                                      Signature Verified      47                     0.75% + EUR 0.05

                                      Secure E-commerce       48                     1.05% + EUR 0.05

                                      Mail Order/Telephone    MO                     1.05% + EUR 0.05
                                      Order39

                                      Contactless 38          P1                     0.45% + EUR 0.03

              Intra-Western   Maestro  purchase  with cash back  fallback fee rates

                   Transactions meeting interchange program criteria qualify for associated rates.

                   A Purchase with Cash Back transaction refers to a purchase made with a Maestro card with a
                   request by the cardholder for cash at a face-to-face point-of-sale location.

                   Merchants  can either automatically or otherwise prompt the cardholder to see if he or she
                   would like cash in addition to the other items purchased. The transaction value, inclusive of the

                   cash value, is then debited from the cardholder’s account.

                   For any intra-Western Maestro Purchase with Cash Back transaction, the Maestro POS fallback
                   interchange fees are applied only to the purchase part of the transaction. The Service Fee on
                   the cash back part of the transaction is zero.

               Acceptance brand       Fee tier                IRD                    Fee rate

               Maestro                Purchase part of the    Depending on tier claimed POS interchange rate
                                      Purchase with Cash Back                        relevant to the applicable
                                      transaction                                    tier. Refer to Intra-

                                                                                Western Maestro POS
                                                                                Fallback Interchange Fee
                                                                                Rates.

                                      Cash back part of the   N/A                    EUR 0.00
                                      Purchase with Cash Back

                                      transaction

              ©1999–2023   Mastercard. Proprietary. All rights reserved.


Context:
                    99

                                                                               Intercountry fallback fee rates
                        Intra-Western  Maestro and Cirrus manual  cash disbursement fallback service fee rates

              Intra-Western   Maestro  and Cirrus manual  cash  disbursement  fallback service fee rates

                   Transactions meeting interchange program criteria qualify for associated rates.

                    Acceptance brand      Fee tier              IRD                   Fee rate

                    Cirrus                Combined Chip EMV and 32                    0.20% + EUR 0.85
                                          Magnetic Stripe In-
                    Maestro
                                          branch Terminal
                                          Full Chip EMV In-branch 33                  0.20% + EUR 0.65

                                          Terminal

                                          Magnetic Stripe-only In- 31                 0.20% + EUR 0.45
                                          branch Terminal

              Intra-Western   Maestro  rePower  fallback service fee rates

                   Transactions meeting interchange program criteria qualify for associated rates.

               Acceptance brand       Fee tier                IRD                    Fee rate

               Maestro                N/A                     ER                     EUR 0.00

              Intra-Western   Maestro  MoneySend    payment  transaction  fallback service fee rates

                   Transactions meeting interchange program criteria qualify for associated rates.

               Acceptance brand       Fee tier                IRD                    Fee rate

               Maestro                N/A                     Q2, Q3, Q4, Q5, Q7, Q8, 0.20% (maximum EUR
                                                              Q9, QL, QN, QO, MS     0.05)

                   NOTE:

                   A late presentment fee of EUR 50 per transaction is charged to the originator if the payment
                   transaction is not submitted into GCMS within two processing days of receiving an approved
                   authorization response from the receiving issuer.

              Intra-Western   Maestro  MoneySend    funding transaction  fallback service fee rates

                   Transactions meeting interchange program criteria qualify for associated rates.

               Payment product        Fee tier                IRD                    Fee rate

               Maestro                N/A                     Q2, Q3, Q4, Q5, Q8, Q9, 0.20%
                                                              QL, QM, MS
               Cirrus

              ©1999–2023   Mastercard. Proprietary. All rights reserved.

Maestro and Cirrus manual cash disbursement