ANNEX I OFFICIAL FEE SCHEDULE IN FORCE

This Annex forms an integral part of the General Terms and Conditions of Use.

1. General Principles

This Fee Schedule establishes the commissions applicable to certain services offered by JPC Solutions Sociedad de Responsabilidad Limitada.

The fees reflect costs associated with:
• 24/7 technological infrastructure.
• Secure transaction processing.
• Risk monitoring and analysis.
• AML/CFT compliance.
• Anti-fraud controls.
• Regulatory and correspondent costs.
• Operational support and ongoing maintenance.

The fees do not constitute financial interest, nor remuneration for banking intermediation, nor the collection of funds from the public.

The commissions correspond exclusively to technological, administrative, and operational services provided by JPC Solutions.

2. Applicable Fees – SINPE Móvil

(BCCR Publication / Local Market)

2.1 Base Scheme Published before the BCCR

For SINPE Móvil, JPC Solutions publishes the following structure before the Central Bank of Costa Rica:

• Transfers: Free of charge up to ₡300,000 per transaction.
• Excess: ₡1,000 per transaction exceeding said amount.
• Receiving: Free of charge.

This scheme corresponds to the formal publication before the regulator for system purposes.

2.2 Scheme – Reinforced Operational Model

When the user exceeds one hundred fifty (150) SINPE Móvil transactions within the same calendar month, or when volume, frequency, or operational exposure meet the objective parameters established in JPC Solutions' risk management model, the system will automatically apply the following additional fee structure for incoming SINPE Móvil transactions processed under said reinforced model:

This scheme responds to incremental costs associated with:
• Enhanced supervision
• Advanced risk management
• Additional compliance validations
• Fraud prevention and mitigation
• Intensive transaction monitoring

No duplicate charges will be applied for the same concept on the same operation.

The commissions established in this section:
• Do not constitute fees of the National Electronic Payment System.
• Do not correspond to charges established by the Central Bank of Costa Rica.
• Do not imply duplicate charges for the same concept on the same operation.

They will apply exclusively when the reinforced operational model is activated in accordance with objective internal criteria.

3. Special or Customized Services

JPC Solutions may offer differentiated fee conditions for:
• Corporate clients
• Merchants or aggregators
• API integrations
• Institutional programs
• Projects with specific regulatory requirements

Specific conditions must be formalized through a contract or specific addendum. In case of discrepancy, the duly executed individual agreement shall prevail.

3.1 Mass Payments Service

The use of the Mass Payments module, which allows the automated execution of multiple transfers or fund distributions to third parties, will be subject to a commission of:
• $1 USD for each successfully processed transaction.

This commission corresponds to:
• Automation infrastructure
• Batch processing
• Technical validations
• Enhanced risk monitoring
• Specialized operational management

This commission does not constitute a fee of the National Electronic Payment System nor a charge established by the Central Bank of Costa Rica, but rather an additional technological service provided by JPC Solutions.

4. Investigation or Administrative Management Fees

Reasonable commissions may apply when the user requests:
• Operational investigation
• Transaction tracing or certification
• Extraordinary manual management
• Reversal processes

No commission will apply when the error is exclusively attributable to JPC Solutions.

5. Taxes and Third-Party Charges

Fees do not include taxes, regulatory charges, or third-party fees when applicable. These may be passed on to the user when required in accordance with applicable regulations.

6. Set-Off of Balances

JPC Solutions may set off amounts owed by the user against balances available in accounts managed by the platform, provided such amounts are:
• Liquid
• Due and payable
• Previously notified

7. Suspension for Non-Payment of Fees

In the event of non-payment of commissions, JPC Solutions may:
• Suspend services
• Restrict functionalities
• Apply set-off of balances

Reactivation will be subject to the settlement of outstanding amounts.

8. Billing Currency and Exchange Rate

Commissions may be charged in CRC or USD.

When conversion applies, the exchange rate in force determined by JPC Solutions at the time of settlement will be applied, which may include a reasonable operational margin in accordance with market conditions.

9. Maximum Limitation of Liability

Unless otherwise required by mandatory law, the total economic liability arising from the application of this Fee Schedule shall not exceed the amount effectively paid by the user in commissions during the month immediately preceding the event giving rise to the claim.

In no case shall there be liability for indirect, consequential, or lost profit damages.