ANNEX I – CURRENT OFFICIAL FEE SCHEDULE

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.

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 banking costs.
• Ongoing operational support and maintenance.

The fees do not constitute financial interest nor compensation for banking intermediation.

2. Applicable Fees – SINPE Móvil (BCCR Publication / Local Market)

2.1 Base Scheme Published before the BCCR

For SINPE Móvil, JPC Solutions publishes before the Central Bank of Costa Rica the following structure:
• Transfers: No charge up to ₡300,000 per transaction.
• Excess: ₡1,000 per transaction exceeding such amount.
• Incoming Transfers: No charge.

2.2 Scheme – Enhanced 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 requires enhanced monitoring, the following additional fee structure may apply, subject to prior notice:

This scheme reflects incremental costs related to:
• Enhanced supervision
• Advanced risk management
• Compliance validations
• Fraud prevention

No duplicate charges shall apply for the same concept on a single transaction.

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.

4. Investigation or Administrative Handling Fees

Reasonable fees may apply when the user requests:
• Operational investigations
• Transaction tracing or certification
• Extraordinary manual processing
• Reversal procedures

No fee shall 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 costs when applicable. Such amounts may be passed on to the user where appropriate.

6. Set-Off

JPC Solutions may set off amounts owed by the user against available balances in accounts managed through the platform, provided they are due, payable, and previously notified.

7. Suspension for Non-Payment of Fees

In the event of overdue commission payments, JPC Solutions may:
• Suspend services
• Restrict functionalities
• Apply set-off against balances

Reactivation shall be subject to settlement of outstanding amounts.

8. Billing Currency and Exchange Rate

Fees may be charged in CRC or USD.

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

9. Maximum Liability Cap

Except as otherwise mandatorily provided by law, the total financial 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 event shall there be liability for indirect, consequential damages, or loss of profits.