Context:
                    41

                                                                                Global program  rates

               IRD and program name           Product code                   Rate (USD)

               BB                             MBS: Mastercard B2B Product 1  2.00% + USD 0.00

               Commercial Business-to-Business MBA: Mastercard B2B Product 2 1.80% + USD 0.00

                                              MBG: Mastercard B2B Product 3  1.60% + USD 0.00
                                              MBH: Mastercard B2B Product 4  1.40% + USD 0.00

                                              MBI: Mastercard B2B Product 5  1.20% + USD 0.00

                                              MBJ: Mastercard B2B Product 6  1.00% + USD 0.00

                                              MTA: Mastercard B2B Product 7  2.00% + USD 0.00

                                              MTB: Mastercard B2B Product 8  1.90% + USD 0.00

                                              MTC: Mastercard B2B Product 9  1.80% + USD 0.00

                                              MTD: Mastercard B2B Product 10 1.70% + USD 0.00

                                              MTE: Mastercard B2B Product 11 1.60% + USD 0.00

                                              MTF: Mastercard B2B Product 12 1.50% + USD 0.00

                                              MTG: Mastercard B2B Product 13 1.40% + USD 0.00
                                              MTH: Mastercard B2B Product 14 1.30% + USD 0.00

                                              MTI: Mastercard B2B Product 15 1.20% + USD 0.00

                                              MTJ: Mastercard B2B Product 16 1.10% + USD 0.00

                                              MTK: Mastercard B2B Product 17 1.00% + USD 0.00

                                              MTL: Mastercard B2B Product 18 Rate to be announced

                                              MTM: Mastercard B2B Product 19 Rate to be announced

                                              MTN: Mastercard B2B Product 20 Rate to be announced

                                              MTO: Mastercard B2B Product 21 Rate to be announced

                                              MTQ: Mastercard B2B Product 22 Rate to be announced

                                              MTR: Mastercard B2B Product 23 Rate to be announced
                                              MTS: Mastercard B2B Product 24 Rate to be announced

                                              MTT: Mastercard B2B Product 25 Rate to be announced

                                              MTU: Mastercard B2B Product 26 Rate to be announced

                                              MTV: Mastercard B2B Product 27 Rate to be announced

              NOTE: Product codes MTA, MTB, MTC, MTD, MTE, MTF, MTG, MTH, MTI, MTJ, MTK, MTL, MTM, MTN, MTO,
              MTG, MTR, MTS, MTT, MTU, and MTV are effective globally except for the Canada region and Brazil. These
              product codes will be effective in the Canada region and Brazil in Release 23.Q4.

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

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                    42

                                                                                Global program  rates
                Mastercard Enterprise Solutions Wholesale Travel Program (MWP)   Acceptor business segments

               IRD and program name                                                       Rate (USD)

               IRD FF: Freight Program                                                    1.80% + 0.00

              Mastercard       Enterprise     Solutions     Wholesale      Travel   Program     (MWP)

              Acceptor     business     segments

                   Acceptor Business Code (MCC)  is a criteria for transactions qualifying for interchange programs
                   and rates.

                   NOTE: Product codes MTA, MTB, MTC, MTD, MTE, MTF, MTG, MTH, MTI, MTJ, MTK, MTL, MTM, MTN,

                   MTO, MTQ,  MTR, MTS, MTT, MTU, and MTV will work without MCC restrictions.

                    Acceptor business segment        Available MCCs
                    A001       Airlines              MCC  3000: 3350 (Airlines, Airline Carriers)

                                                     MCC  4511 (Air Carriers, Airlines: not elsewhere classified)

                    V001       Automobile/vehicle    MCC  3351-3500 (Car Rental Agencies)

                               rentals
                                                     MCC  7512 (Automobile Rental Agency: not elsewhere classified)
                                                     MCC  7513 (Truck Rental)

                                                     MCC  7519 (Motor Home and Recreational Vehicle Rental)

                    B001       Cruise/steamship      MCC  4411 (Cruise/Steamship)

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

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                    43

                                                                                Global program  rates
                Mastercard Enterprise Solutions Wholesale Travel Program (MWP)   Acceptor business segments

                    Acceptor business segment        Available MCCs

                    GW01       Global wholesale travel MCC 4131 (Bus Lines)

                               ther
                                                     MCC  4582 (Airports, Airport Terminals, Flying Fields)
                                                     MCC  4722 (Travel Agencies and Tour Operators)

                                                     MCC  5962 (Direct Marketing: Travel-Related Arrangement
                                                     Services)

                                                     MCC  6513 (Real Estate Agents and Managers: Rentals)

                                                     MCC  7032 (Recreational and Sporting Camps)
                                                     MCC  7033 (Campgrounds and Trailer Parks)

                                                     MCC  7012 (Timeshares)

                                                     MCC  7298 (Health and Beauty Spas)

                                                     MCC  7991 (Tourist Attractions and Exhibits)

                                                     MCC  7997 (Clubs: Country Clubs, Membership (Athletic,
                                                     Recreation, Sports), Private Golf Courses)

                                                     MCC  7999 (Recreation Services: not elsewhere classified)

                    H001       Hotels and motels     MCC  3501-3999 (Lodging: Hotels, Motels, Resorts)

                                                     MCC  7011 (Lodging: Hotels, Motels, Resorts: not elsewhere
                                                     classified)

                    R001       Railways              MCC  4112 (Passenger Railway)

                   NOTE: This program is NOT open to all issuers by default. Mastercard will use the previously mentioned
                   criteria to determine which issuers are eligible and will decide which issuers can participate in the

                   program.

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

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                    44

                                                                               Intercountry fallback fee rates

              Chapter        5   Intercountry          fallback      fee   rates

              This section describes the intra-EEA, intra-Western, and intra-Eastern fallback fees.

              About  intercountry fallback fee rates...............................................................................................................48

              Intra-EEA fallback interchange and service fee rates....................................................................................48
                 Intra-EEA Mastercard POS  fallback interchange fee rates.....................................................................48

                 Intra-EEA Mastercard purchase with cash back fallback fee rates........................................................54
                 Intra-EEA Mastercard manual cash disbursement fallback service fee rates......................................55

                 Intra-EEA Mastercard rePower fallback service fee rates........................................................................55

                 Intra-EEA Mastercard MoneySend  payment  transaction fallback service fee rates..........................56
                 Intra-EEA Mastercard MoneySend  funding transaction fallback service fee rates.............................56

                 Intra-EEA Mastercard payment  transaction fallback service fee rates................................................ 58
                 Intra-EEA Mastercard initiated rewards transactions..............................................................................61

                 Intra-EEA Mastercard prepaid card load interchange rates....................................................................61
                 Intra-EEA Maestro POS  fallback interchange fee rates...........................................................................61

                 Intra-EEA Maestro purchase with cash back fallback fee rates.............................................................63

                 Intra-EEA Maestro and Cirrus manual cash disbursement fallback service fee rates........................64
                 Intra-EEA Maestro rePower fallback service fee rates............................................................................. 64

                 Intra-EEA Maestro MoneySend  payment  transaction fallback service fee rates................................64
                 Intra-EEA Maestro MoneySend  funding transaction fallback service fee rates.................................. 64

                 Intra-EEA Maestro payment  transaction fallback service fee rates......................................................65
                 Intra-EEA Maestro prepaid card load interchange rates......................................................................... 65

                 Intra-EEA ATM fallback service fee rates....................................................................................................66

                 Intra-EEA fallback interchange fee rates for purchase at ATM..............................................................67
                 Fee collection rates on intra-EEA non-financial ATM transactions........................................................68

              Intra-EEA plus United Kingdom and Gibraltar fallback interchange and service fee rates.....................68
                 Intra-EEA plus United Kingdom and Gibraltar Mastercard POS fallback interchange fee rates......69

                 Intra-EEA plus United Kingdom and Gibraltar Mastercard purchase with cash back fallback
                 fee rates............................................................................................................................................................74

                 Intra-EEA plus United Kingdom and Gibraltar Mastercard manual cash disbursement fallback
                 service fee rates...............................................................................................................................................75

                 Intra-EEA plus United Kingdom and Gibraltar Mastercard rePower fallback service fee rates........75
                 Intra-EEA plus United Kingdom and Gibraltar Mastercard MoneySend payment transaction
                 fallback service fee rates................................................................................................................................76

                 Intra-EEA plus United Kingdom and Gibraltar Mastercard MoneySend funding transaction
                 fallback service fee rates................................................................................................................................76

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

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                    45

                                                                               Intercountry fallback fee rates

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

                 service fee rates...............................................................................................................................................78
                 Intra-EEA plus United Kingdom and Gibraltar Mastercard initiated rewards transactions..............81

                 Intra-EEA plus United Kingdom and Gibraltar Mastercard prepaid card load interchange rates....81
                 Intra-EEA plus United Kingdom and Gibraltar Maestro POS fallback interchange fee rates...........81

                 Intra-EEA plus United Kingdom and Gibraltar Maestro purchase with cash back fallback fee
                 rates...................................................................................................................................................................83

                 Intra-EEA plus United Kingdom and Gibraltar Maestro and Cirrus manual cash disbursement
                 fallback service fee rates................................................................................................................................84

                 Intra-EEA plus United Kingdom and Gibraltar Maestro rePower fallback service fee rates..............84
                 Intra-EEA plus United Kingdom and Gibraltar Maestro MoneySend payment  transaction

                 fallback service fee rates................................................................................................................................84
                 Intra-EEA plus United Kingdom and Gibraltar Maestro MoneySend funding transaction
                 fallback service fee rates................................................................................................................................85

                 Intra-EEA plus United Kingdom and Gibraltar Maestro payment transaction fallback service
                 fee rates............................................................................................................................................................85

                 Intra-EEA plus United Kingdom and Gibraltar Maestro prepaid card load interchange rates..........86
                 Intra-EEA plus United Kingdom and Gibraltar ATM fallback service fee rates.................................... 86

                 Intra-EEA plus United Kingdom and Gibraltar fallback interchange fee rates for purchase at
                 ATM....................................................................................................................................................................87

                 Fee collection rates on intra-EEA plus United Kingdom and Gibraltar non-financial ATM
                 transactions......................................................................................................................................................88

              Intra-Western fallback interchange and service fees.....................................................................................89
                 Intra-Western Mastercard POS  fallback interchange fee rates.............................................................89

                 Intra-Western Mastercard purchase with cash back fallback fee rates................................................93

                 Intra-Western Mastercard manual cash disbursement fallback service fee rates..............................94
                 Intra-Western Mastercard rePower fallback service fee rates................................................................94

                 Intra-Western Mastercard MoneySend  payment  transaction fallback service fee rates...................94
                 Intra-Western Mastercard MoneySend  funding transaction fallback service fee rates.....................95

                 Intra-Western Mastercard payment  transaction fallback service fee rates.........................................96
                 Intra-Western Mastercard initiated rewards transactions......................................................................97

                 Intra-Western Maestro POS  fallback interchange fee rates...................................................................97
                 Intra-Western Maestro purchase with cash back fallback fee rates......................................................99

                 Intra-Western Maestro and Cirrus manual cash disbursement fallback service fee rates..............100

                 Intra-Western Maestro rePower fallback service fee rates...................................................................100
                 Intra-Western Maestro MoneySend  payment  transaction fallback service fee rates......................100

                 Intra-Western Maestro MoneySend  funding transaction fallback service fee rates........................100
                 Intra-Western Maestro payment  transaction fallback service fee rates............................................101

                 Intra-Western ATM fallback service fee rates..........................................................................................101
                 Intra-Western fallback interchange fee rates for purchase at ATM....................................................102

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

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                    46

                                                                               Intercountry fallback fee rates

                 Fee collection rates on intra-Western non-financial ATM transactions..............................................104

              Intra-Eastern fallback interchange and service fee rates...........................................................................104
                 Intra-Eastern Mastercard POS fallback interchange fee rates............................................................104

                 Intra-Eastern Mastercard purchase with cash back fallback fee rates...............................................108

                 Intra-Eastern Mastercard manual cash disbursement fallback service fee rates.............................109
                 Intra-Eastern Mastercard rePower fallback service fee rates...............................................................109

                 Intra-Eastern Mastercard MoneySend  payment transaction fallback service fee rates................. 110
                 Intra-Eastern Mastercard MoneySend  funding transaction fallback service fee rates....................110

                 Intra-Eastern Mastercard payment transaction fallback service fee rates....................................... 112
                 Intra-Eastern Mastercard initiated rewards transactions.....................................................................113

                 Intra-Eastern Maestro POS fallback interchange fee rates..................................................................113

                 Intra-Eastern Maestro purchase with cash back fallback fee rates....................................................115
                 Intra-Eastern Maestro and Cirrus manual cash disbursement fallback service fee rates...............115

                 Intra-Eastern Maestro rePower fallback service fee rates.....................................................................116
                 Intra-Eastern Maestro MoneySend  payment transaction fallback service fee rates.......................116

                 Intra-Eastern Maestro MoneySend  funding transaction fallback service fee rates......................... 116
                 Intra-Eastern Maestro Payment Transaction Fallback Service Fee Rates..........................................117

                 Intra-Eastern ATM fallback service fee rates...........................................................................................117

                 Intra-Eastern fallback interchange fee rates for purchase at ATM.....................................................118
                 Fee collection rates on intra-Eastern non-financial ATM transactions...............................................119

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

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                    47

                                                                               Intercountry fallback fee rates
                                                                        About  intercountry fallback fee rates

              About     intercountry     fallback    fee  rates

                   Intercountry interchange and service fees are applicable to transactions where the issuer
                   country (as defined by the account range) and merchant country are both in the same

                   Mastercard  Europe subregion, unless bilaterally-agreed rates apply or the issuer and merchant
                   are in the same country and intracountry rates exist in that country.

                   Intra-EEA fallback fees apply to cross-border transactions where the issuer country and
                   merchant  country are both in the Mastercard EEA subregion, as defined in the section
                   "Mastercard EEA  Subregion" in Fee Concepts.

                   Intra-Western fallback fees apply to cross-border transactions where the issuer country and

                   the merchant country are in the Mastercard Western subregion except when both the issuer and
                   merchant  country are in the Mastercard EEA subregion.

                   Intra-Eastern fallback fees apply to cross-border transactions where the issuer country and
                   merchant  country are both in the Mastercard Eastern sub-region.

                   For a list of EEA, Western, and Eastern countries, refer to Division of the Europe Region.

                   For additional explanations of the business requirements for each fee tier and the associated

                   validations performed by GCMS, refer to IPM Requirements for European Fee Programs.

              Intra-EEA      fallback   interchange       and  service    fee  rates

                   This section describes the intra-EEA fallback fees.

              Intra-EEA  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).

                   Consumer    debit and  consumer   prepaid  product  codes

               Product Code                   Product Description            Product Type

               CIR                            CIRRUS                         Debit

               DWF                            DEBIT MASTERCARD               Debit
                                              HUMANITARIAN  PREPAID

               MDG                            DEBIT GOLD                     Debit

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

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                    48

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

               Product Code                   Product Description            Product Type

               MDH                            WORLD   DEBIT EMBOSSED         Debit

               MDP                            DEBIT PLATINUM                 Debit

               MDS                            DEBIT STANDARD                 Debit

               MDU                            DEBIT MASTERCARD               Debit
                                              UNEMBOSSED

               MDW                            WORLD   ELITE DEBIT            Debit
                                              MASTERCARD

               MET                            TITANIUM DEBIT MASTERCARD      Debit

               MIS                            DEBIT MASTERCARD   STUDENT     Debit
                                              CARD

               MIU                            DEBIT MASTERCARD               Debit
                                              UNEMBOSSED    NON US

               MSI                            MAESTRO                        Debit

               OLS                            MAESTRO  DELAYED  DEBIT        Debit

               TCC                            MASTERCARD   MIXED BIN         Debit
                                              IMMEDIATE  DEBIT

               TCE                            MASTERCARD   ELECTRONIC        Debit
                                              IMMEDIATE  DEBIT

               TCG                            GOLD  MASTERCARD   IMMEDIATE   Debit

                                              DEBIT
               TCS                            MASTERCARD   STANDARD  CARD    Debit

                                              IMMEDIATE  DEBIT

               TCW                            WORLD   SIGNIA MASTERCARD      Debit
                                              CARD  IMMEDIATE DEBIT

               TIC                            MASTERCARD   STUDENT  CARD     Debit
                                              IMMEDIATE  DEBIT

               TIU                            MASTERCARD   UNEMBOSSED        Debit
                                              IMMEDIATE  DEBIT

               TNW                            MASTERCARD   NEW  WORLD        Debit
                                              IMMEDIATE  DEBIT

               TPL                            PLATINUM  MASTERCARD           Debit
                                              IMMEDIATE  DEBIT

               MHA                            HEALTHCARE   PREPAID NON TAX   Prepaid

               MPG                            MASTERCARD   PREPAID GENERAL   Prepaid
                                              SPEND

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

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                    49

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

               Product Code                   Product Description            Product Type

               MRG                            MASTERCARD   PREPAID NON  US   Prepaid

                                              GENERAL  SPEND
               MSO                            PREPAID MAESTRO   PREPAID      Prepaid

                                              OTHER  CARD

               MSS                            MAESTRO  STUDENT  CARD         Prepaid
               MTP                            MASTERCARD   PREPAID PREMIUM   Prepaid

                                              TRAVEL

               MWF                            MASTERCARD   HUMANITARIAN      Prepaid
               SUR                            PREPAID MASTERCARD             Prepaid

                                              UNEMBOSSED    NON US

                   Consumer    credit product  codes

               Product Code                   Product Description            Product Type

               MCC                            MASTERCARD   MIXED             Credit
               MCE                            MASTERCARD   ELECTRONIC        Credit

               MCG                            GOLD                           Credit

               MCS                            STANDARD                       Credit

               MCU                            MASTERCARD   UNEMBOSSED        Credit

               MCW                            WORLD                          Credit

               MHP                            HELOC  PLATINUM MASTERCARD     Credit

               MHS                            HELOC  STANDARD  MASTERCARD    Credit

               MIC                            MASTERCARD   STUDENT  CARD     Credit

               MNW                            MASTERCARD   NEW  WORLD        Credit

               MPL                            PLATINUM                       Credit
               MRF                            EUROPEAN   REGULATED           Credit

                                              INDIVIDUAL PAY

               MRO                            MASTERCARD   REWARDS   ONLY    Credit
               WBE                            MASTERCARD   WORLD  BLACK      Credit

                                              EDITION

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

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                    50

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

               Payment Product        Fee Tier                IRD                    Rate

               Mastercard Consumer    Contactless6            P2                     0.30%
               Credit
                                      Chip                    50,53                  0.30%

                                      Enhanced Electronic     84,88                  0.30%

                                      Merchant UCAF           24                     0.30%

                                      Full UCAF               79                     0.30%

                                      Masterpass Wallet       PW                     0.30%

                                      Base                    75,85                  0.30%

               Mastercard Consumer    Contactless 6           P2                     0.20%
               Debit
                                      Chip                    50,53                  0.20%
               Mastercard Consumer
               Prepaid                Enhanced Electronic     84,88                  0.20%

               Debit Mastercard
                                      Merchant UCAF           24                     0.20%
               Consumer
                                      Full UCAF               79                     0.20%

                                      Masterpass Wallet       PW                     0.20%

                                      Base                    75,85                  0.20%

               Payment Product        Fee Tier                IRD                    Fee Rate

               Mastercard Prepaid     Chip                    50, 53                 1.80%
               Corporate

                                      Enhanced Electronic     84, 88                 1.80%

                                      Masterpass Wallet       PW                     1.80%

                                      Purchase at ATM         AL                     1.80%

                                      Contactless             P2                     1.80%

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

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

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

Mastercard Consumer Debit/Mastercard Consumer Prepaid/Debit Mastercard Consumer


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                    51

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

               Payment Product        Fee Tier                IRD                    Fee Rate

               Mastercard Corporate   Chip                    50, 53                 1.50%

               Mastercard Electronic  (Incentive rate) 7                             (-0.30%)
               Corporate
                                      Enhanced Electronic     84, 88                 1.60%
               Business Premium Debit
                                      (Incentive rate) 7                             (-0.30%)

                                      Masterpass Wallet       PW                     1.60%

                                      (Incentive rate) 7                             (-0.30%)

                                      Base                    75, 85                 1.90%

                                      (Incentive rate) 7                             (-0.30%)

                                      Contactless6            P2                     1.50%

                                      (Incentive rate) 7                             (-0.30%)

               Mastercard             Chip                    50, 53                 1.25%

               BusinessCard/Mastercard
                                      (Incentive rate) 7                             (-0.30%)
               Professional Card/
               Mastercard Executive   Enhanced Electronic     84, 88                 1.35%
               BusinessCard/Mastercard
               Corporate Executive Card (Incentive rate) 7                           (-0.30%)
               Mastercard Electronic  Masterpass Wallet       PW                     1.35%
               BusinessCard
                                      (Incentive rate) 7                             (-0.30%)
               Debit Mastercard for
               Business               Base                    75, 85                 1.65%

                                      (Incentive rate) 7                             (-0.30%)

                                      Contactless6            P2                     1.25%

                                      (Incentive rate) 7                             (-0.30%)

                 7 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.

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

7 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.

Mastercard Corporate
Mastercard Electronic Corporate
Business Premium Debit

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


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                    52

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

               Payment Product        Fee Tier                IRD                    Fee Rate

               Mastercard Purchasing  Chip                    50, 53                 1.25%

                                      (Incentive rate) 7                             (-0.50 EUR)

                                      Enhanced Electronic     84, 88                 1.35%

                                      (Incentive rate) 7                             (-0.50 EUR)

                                      Masterpass Wallet       PW                     1.35%

                                      (Incentive rate) 7                             (-0.50 EUR)

                                      Base                    75, 85                 1.65%

                                      (Incentive rate) 7                             (-0.50 EUR)

                                      Large Ticket Level 1 8  26                     1.00% + EUR 20.00

                                      Large Ticket Level 2 9  27                     0.75% + EUR 45.00

                                      Contactless6            P2                     1.25%

                                      (Incentive rate) 7                             (-0.30%)

               Mastercard Fleetcard   Chip                    50, 53                 1.25%

                                      (Incentive rate) 7                             (-0.30%)

                                      Enhanced Electronic     84, 88                 1.35%

                                      (Incentive rate) 7                             (-0.30%)

                                      Masterpass Wallet       PW                     1.35%

                                      (Incentive rate) 7                             (-0.30%)

                                      Base                    75, 85                 1.65%

                                      (Incentive rate) 7                             (-0.30%)

                                      Large Ticket Level 1 8  26                     1.00% + EUR 20.00

                                      Large Ticket Level 2 9  27                     0.75% + EUR 45.00

                                      Contactless6            P2                     1.25%

                                      (Incentive rate) 7                             (-0.30%)

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

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

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

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


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                    53

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

               Payment Product        Fee Tier                IRD                    Fee Rate

               Mastercard Prepaid     Chip                    50, 53                 1.25%

               Commercial
                                      (Incentive Rate) 7                             (-0.30%)
               Debit Mastercard Prepaid
               Commercial             Enhanced Electronic     84, 88                 1.35%
                                      (Incentive rate) 7                             (-0.30%)
               NOTE: IRDs 24 and 79 are
               not valid on transactions Masterpass Wallet    PW                     1.35%
               with commercial cards in
               EEA countries.         (Incentive rate) 7                             (-0.30%)

                                      Base                    75, 85                 1.65%

                                      (Incentive rate) 7                             (-0.30%)

                                      Contactless6            P2                     1.25%

                                      (Incentive rate) 7                             (-0.30%)

               Payment Product    Fee Tier          IRD                Fee Rate           Non-B2B

               Mastercard         Masterpass        PW                 1.90%10            1.90%12
               Commercial
                                                                       1.00%11
               Payments Account
               NOTE: IRDs 24 and

               79 are not valid on
               transactions with
               commercial cards in
               EEA countries.

                                  Base              75, 85             1.90%10            1.90%12
                                                                       1.00%11

              Intra-EEA  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.

                10 For transaction amounts less than or equal to EUR 3000.
                11 For transaction amounts more than EUR 3000.
                12 Applicable to MCCs: Airline (3000–3299, 3300–3350, 4511), Automobile/Vehicle Rental (3351–3500, 7512, 7513,
                   7519), Passenger Railways (4112), and Eating Places, Restaurants (5812).

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

10 For transaction amounts less than or equal to EUR 3000.

11 For transaction amounts more than EUR 3000.

12 Applicable to MCCs: Airline (3000–3299, 3300–3350, 4511), Automobile/Vehicle Rental (3351–3500, 7512, 7513, 7519), Passenger Railways (4112), and Eating Places, Restaurants (5812).

Mastercard Prepaid Commercial/Debit Mastercard Prepaid Commercial


Context:
                    54

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

                   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 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.

                    Acceptance brand      Fee tier              IRD                   Fee rate

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

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

                                          Back transaction

              Intra-EEA  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 13          1%
               Debit Mastercard                                                      (EUR 5.00 minimum)

              Intra-EEA  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

                13 Any of the values may be used

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

Context lacks a Payment product


Context:
                    55

                                                                               Intercountry fallback fee rates
                              Intra-EEA Mastercard MoneySend   payment   transaction fallback service fee rates

              Intra-EEA  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  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.

Mastercard MoneySend payment transaction

Mastercard Debit
Mastercard Prepaid
Debit Mastercard

Mastercard Consumer Debit
Mastercard Consumer Prepaid
Debit Mastercard Consumer

Mastercard Corporate
Business Premium Debit


Context:
                    56

                                                                               Intercountry fallback fee rates
                               Intra-EEA 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.

Mastercard MoneySend funding transaction

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


Context:
                    57

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

              Intra-EEA  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 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:
                    58

                                                                               Intercountry fallback fee rates
                                          Intra-EEA 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.

Mastercard Corporate/Mastercard World Business
Mastercard Electronic Commercial
Mastercard Prepaid Commercial
MastercardBusinessCard/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:
                    59

                                                                               Intercountry fallback fee rates
                                          Intra-EEA 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.

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:
                    60

                                                                               Intercountry fallback fee rates
                                                         Intra-EEA Mastercard  initiated rewards transactions

              Intra-EEA  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  Mastercard   prepaid card load interchange  rates
                   Transactions meeting interchange program criteria qualify for associated rates.

                   Table 1: Intra-EEA and domestic EEA countries

                    Acceptance brand           IRD              MCC      TTI      Service fee rate

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

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

              Intra-EEA  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.

Context lacks a Payment product


Context:
                    61

                                                                               Intercountry fallback fee rates
                                                        Intra-EEA 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 14

                                                    Chip: Late Presentment  49            0.20%

                                                    Contactless 15          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%

                14 Maestro MO/TO is permitted only for refund transactions.
                15 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.

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

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

Maestro Consumer
Maestro Consumer Prepaid


Context:
                    62

                                                                               Intercountry fallback fee rates
                                                Intra-EEA  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  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.


Context:
                    63

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

              Intra-EEA  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  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  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-EEA  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

Combined Chip EMV and Magnetic Stripe In-branch Terminal


Context:
                    64

                                                                               Intercountry fallback fee rates
                                             Intra-EEA Maestro payment  transaction fallback service fee rates

               Payment product        Fee tier                IRD                    Fee rate

               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  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

              Intra-EEA  Maestro  prepaid  card load interchange  rates

                   Transactions meeting interchange program criteria qualify for associated rates.

                   Table 2: Intra-EEA and domestic EEA countries

                                                                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)

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

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:
                    65

                                                                               Intercountry fallback fee rates
                                                                     Intra-EEA ATM  fallback service fee rates

              Intra-EEA  ATM  fallback service fee rates

                   Transactions meeting interchange program criteria qualify for associated rates.

               Acceptance brand       Fee tier                IRD                    Fee rate 16
               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 17         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

                16 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.
                17 Any of the values may be used

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

Context lacks a Payment product


Context:
                    66

                                                                               Intercountry fallback fee rates
                                                 Intra-EEA fallback interchange fee rates for purchase at ATM

              Intra-EEA  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

                18 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.

18 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:
                    67

                                                                               Intercountry fallback fee rates
                                              Fee collection rates on intra-EEA 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 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

              Intra-EEA      plus  United    Kingdom      and   Gibraltar     fallback   interchange

              and   service    fee  rates

                   This section describes the Intra-EEA plus United Kingdom and Gibraltar fallback fees.

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

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


Context:
                    68

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

              Intra-EEA  plus United Kingdom   and  Gibraltar 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).

                   Consumer    debit and  consumer   prepaid  product  codes

               Product code                   Product description            Product type

               CIR                            Cirrus                         Debit

               DWF                            Debit Mastercard Humanitarian  Debit
                                              Prepaid

               MDG                            Debit Gold                     Debit

               MDH                            World Debit Embossed           Debit

               MDP                            Debit Platinum                 Debit

               MDS                            Debit Standard                 Debit
               MDU                            Debit Mastercard Unembossed    Debit

               MDW                            World Elite Debit Mastercard   Debit

               MET                            Titanium Debit Mastercard      Debit

               MIS                            Debit Mastercard Student Card  Debit

               MIU                            Debit Mastercard Unembossed non Debit
                                              US

               MSI                            Maestro                        Debit

               OLS                            Maestro Delayed Debit          Debit

               TCC                            Mastercard Mixed Bin Immediate Debit
                                              Debit

               TCE                            Mastercard Electronic Immediate Debit
                                              Debit

               TCG                            Gold Mastercard Immediate Debit Debit

               TCS                            Mastercard Standard Card       Debit
                                              Immediate Debit

               TCW                            World Signia Mastercard Card   Debit
                                              Immediate Debit

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

Context lacks a Payment product,FeeTier and Rate


Context:
                    69

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

               Product code                   Product description            Product type

               TIC                            Mastercard Student Card        Debit

                                              Immediate Debit
               TIU                            Mastercard Unembossed          Debit

                                              Immediate Debit

               TNW                            Mastercard New World Immediate Debit
                                              Debit

               TPL                            Platinum Mastercard Immediate  Debit
                                              Debit

               MHA                            Healthcare Prepaid non tax     Prepaid

               MPG                            Mastercard Prepaid General Spend Prepaid

               MRG                            Mastercard Prepaid non US      Prepaid
                                              General Spend

               MSO                            Prepaid Maestro Prepaid Other  Prepaid
                                              card

               MSS                            Maestro Student card           Prepaid

               MTP                            Mastercard Prepaid Premium     Prepaid
                                              Travel

               MWF                            Mastercard Humanitarian        Prepaid

               SUR                            Prepaid Mastercard Unembossed  Prepaid
                                              non US

                   Consumer    credit product  codes

               Product code                   Product description            Product type

               MCC                            Mastercard Mixed               Credit

               MCE                            Mastercard Electronic          Credit

               MCG                            Gold                           Credit
               MCS                            Standard                       Credit

               MCU                            Mastercard Unembossed          Credit

               MCW                            World                          Credit

               MHP                            Heloc Platinum Mastercard      Credit

               MHS                            Heloc Standard Mastercard      Credit

               MIC                            Mastercard Student card        Credit

               MNW                            Mastercard New World           Credit

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

Context lacks a Payment product,FeeTier and Rate


Context:
                    70

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

               Product code                   Product description            Product type

               MPL                            Platinum                       Credit

               MRF                            European Regulated Individual Pay Credit

               MRO                            Mastercard Rewards Only        Credit

               WBE                            Mastercard World Black Edition Credit

               Payment product        Fee tier                IRD                    Rate

               Mastercard Consumer    Contactless19           P2                     0.30%
               Credit
                                      Chip                    50,53                  0.30%

                                      Enhanced Electronic     84,88                  0.30%

                                      Merchant UCAF           24                     0.30%

                                      Full UCAF               79                     0.30%

                                      Masterpass Wallet       PW                     0.30%

                                      Base                    75,85                  0.30%

               Mastercard Consumer    Contactless 19          P2                     0.20%
               Debit
                                      Chip                    50,53                  0.20%
               Mastercard Consumer
               Prepaid                Enhanced Electronic     84,88                  0.20%

               Debit Mastercard
                                      Merchant UCAF           24                     0.20%
               Consumer
                                      Full UCAF               79                     0.20%

                                      Masterpass Wallet       PW                     0.20%

                                      Base                    75,85                  0.20%

               Payment product        Fee tier                IRD                    Fee rate

               Mastercard Prepaid     Chip                    50, 53                 1.80%
               Corporate

                                      Enhanced Electronic     84, 88                 1.80%

                                      Masterpass Wallet       PW                     1.80%

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

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

Intra-EEA plus United Kingdom and Gibraltar

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

Mastercard Consumer Debit
Mastercard Consumer Prepaid
Debit Mastercard Consumer


Context:
                    71

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

               Payment product        Fee tier                IRD                    Fee rate

                                      Purchase at ATM         AL                     1.80%

                                      Contactless             P2                     1.80%

               Mastercard Corporate   Chip                    50, 53                 1.50%

               Mastercard Electronic  (Incentive rate) 20                            (-0.30%)
               Corporate
                                      Enhanced Electronic     84, 88                 1.60%
               Business Premium Debit
                                      (Incentive rate) 20                            (-0.30%)

                                      Masterpass Wallet       PW                     1.60%

                                      (Incentive rate) 20                            (-0.30%)

                                      Base                    75, 85                 1.90%

                                      (Incentive rate) 20                            (-0.30%)

                                      Contactless20           P2                     1.50%

                                      (Incentive rate) 20                            (-0.30%)

               Mastercard             Chip                    50, 53                 1.25%
               BusinessCard/Mastercard
                                      (Incentive rate) 20                            (-0.30%)
               Professional Card/
               Mastercard Executive   Enhanced Electronic     84, 88                 1.35%
               BusinessCard/Mastercard
               Corporate Executive Card (Incentive rate) 20                          (-0.30%)

               Mastercard Electronic  Masterpass Wallet       PW                     1.35%
               BusinessCard
                                      (Incentive rate) 20                            (-0.30%)
               Debit Mastercard for
               Business               Base                    75, 85                 1.65%

                                      (Incentive rate) 20                            (-0.30%)

                                      Contactless20           P2                     1.25%

                                      (Incentive rate) 20                            (-0.30%)

                20 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.

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

Intra-EEA plus United Kingdom and Gibraltar

20 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.

Mastercard Corporate
Mastercard Electronic Corporate
Business Premium Debit

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


Context:
                    72

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

               Payment product        Fee tier                IRD                    Fee rate

               Mastercard Purchasing  Chip                    50, 53                 1.25%

                                      (Incentive rate) 20                            (-0.50 EUR)

                                      Enhanced Electronic     84, 88                 1.35%

                                      (Incentive rate) 20                            (-0.50 EUR)

                                      Masterpass Wallet       PW                     1.35%

                                      (Incentive rate) 20                            (-0.50 EUR)

                                      Base                    75, 85                 1.65%

                                      (Incentive rate) 20                            (-0.50 EUR)

                                      Large Ticket Level 121  26                     1.00% + EUR 20.00

                                      Large Ticket Level 2 22 27                     0.75% + EUR 45.00

                                      Contactless20           P2                     1.25%

                                      (Incentive rate) 20                            (-0.30%)

               Mastercard Fleetcard   Chip                    50, 53                 1.25%

                                      (Incentive rate) 20                            (-0.30%)

                                      Enhanced Electronic     84, 88                 1.35%

                                      (Incentive rate) 20                            (-0.30%)

                                      Masterpass Wallet       PW                     1.35%

                                      (Incentive rate) 20                            (-0.30%)

                                      Base                    75, 85                 1.65%

                                      (Incentive rate) 20                            (-0.30%)

                                      Large Ticket Level 121  26                     1.00% + EUR 20.00

                                      Large Ticket Level 222  27                     0.75% + EUR 45.00

                                      Contactless20           P2                     1.25%

                                      (Incentive rate) 20                            (-0.30%)

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

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

Intra-EEA plus United Kingdom and Gibraltar

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

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


Context:
                    73

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

               Payment product        Fee tier                IRD                    Fee rate

               Mastercard Prepaid     Chip                    50, 53                 1.25%

               Commercial
                                      (Incentive Rate) 20                            (-0.30%)
               Debit Mastercard Prepaid
               Commercial             Enhanced Electronic     84, 88                 1.35%
                                      (Incentive rate) 20                            (-0.30%)
               NOTE: IRDs 24 and 79 are
               not valid on transactions Masterpass Wallet    PW                     1.35%
               with commercial cards in
               EEA countries.         (Incentive rate) 20                            (-0.30%)

                                      Base                    75, 85                 1.65%

                                      (Incentive rate) 20                            (-0.30%)

                                      Contactless20           P2                     1.25%

                                      (Incentive rate) 20                            (-0.30%)

               Payment product    Fee tier          IRD                Fee rate           Non-B2B

               Mastercard         Masterpass        PW                 1.90%23            1.90%25
               Commercial
                                                                       1.00%24
               Payments Account
               NOTE: IRDs 24 and

               79 are not valid on
               transactions with
               commercial cards in
               EEA countries.

                                  Base              75, 85             1.90%23            1.90%25
                                                                       1.00%24

              Intra-EEA  plus United Kingdom   and  Gibraltar 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

                23 For transaction amounts less than or equal to EUR 3000.
                24 For transaction amounts more than EUR 3000.
                25 Applicable to MCCs: Airline (3000–3299, 3300–3350, 4511), Automobile/Vehicle Rental (3351–3500, 7512, 7513,
                   7519), Passenger Railways (4112), and Eating Places, Restaurants (5812).

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

Intra-EEA plus United Kingdom and  Gibraltar

23 For transaction amounts less than or equal to EUR 3000.

24 For transaction amounts more than EUR 3000.

25 Applicable to MCCs: Airline (3000–3299, 3300–3350, 4511), Automobile/Vehicle Rental (3351–3500, 7512, 7513, 7519), Passenger Railways (4112), and Eating Places, Restaurants (5812).

Mastercard Prepaid Commercial
Debit Mastercard Prepaid Commercial


Context:
                    74

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

                   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-EEA 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.

                    Acceptance brand      Fee tier              IRD                   Fee rate

                    Mastercard            Purchase part of the  Depending on tier     POS  interchange rate

                                          Purchase with Cash    claimed               relevant to the
                    Debit Mastercard
                                          Back transaction                            applicable tier. Refer to
                                                                                Intra-EEA Mastercard
                                                                                POS  Fallback
                                                                                Interchange Fee Rates.

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

              Intra-EEA  plus United Kingdom   and  Gibraltar 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 26          1%

               Debit Mastercard                                                      (EUR 5.00 minimum)

              Intra-EEA  plus United Kingdom   and  Gibraltar 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

                26 Any of the values may be used

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

Context lacks a Payment product