Ceilings on Interchange Fees Applicable to Payment System Participants

Service fees charged on the Instant Payments System (from 1 May 2026 onward) № Type of transactions Tariffs Payer Receiver

1. Service fees charged for the use of the system 1.1. Tariffs charged on transactions processed in the system 1.1.1. Customer transfers between individuals executed by participants through the IPS 0 - - 1.1.2. Customer transfers executed by a participant through the IPS 0.01% of transaction amount, min 0.01 AZN – max 4 AZN Issuer Central Bank 1.1.3. Participant’s payments for its customers in favor of the institutions integrated into the GPP 0.01% of transaction amount, min 0.01 AZN – max 4 AZN Issuer Central Bank 1.1.4. Payment made in favor of institutions integrated into the GPP based upon requests to pay initiated by another participant 0.01% of transaction amount, min 0.01 AZN – max 4 AZN Issuer Central Bank 1.1.5. Payments made outside the GPP in favor of mass service entities or on financial services 0.01% of transaction amount, min 0.01 AZN – max 4 AZN Acquirer Central Bank 1.1.6. Payments made outside the GPP in favor of budget organizations 0.01% of transaction amount, min 0.01 AZN – max 4 AZN Issuer Central Bank 1.1.7. Payments made on points of sale 0.01% of transaction amount, min 0.01 AZN – max 4 AZN Acquirer Central Bank 1.1.8. Payments made for betting games and sale of lotteries 0,10 % of transaction amount min 0.01 AZN Acquirer Central Bank 1.1.9. Payments made in e-commerce resources 0.01% of transaction amount, min 0.01 AZN – max 4 AZN Acquirer Central Bank

1.1.10. Encashment operations 0.01% of transaction amount, min 0.01 AZN – max 4 AZN Issuer Central Bank 1.1.11. Transactions involving credits to an account 0.01% of transaction amount, min 0.01 AZN – max 4 AZN Acquirer Central Bank 1.1.12. Request for a copy of a payment order AZN0.20 per request Requesting participant Central Bank 1.1.13. Request for a copy of report on payments made over an operation day for a selected date AZN5 per request Requesting participant Central Bank 1.2. Tariffs charged on dispute settling 1.2.1. Request to initiate a disputable case 0 - - 1.2.2. Request to reverse payment within the disputable case AZN2 per request Issuer Central Bank 1.2.3. Refusal to request to reverse payment within the disputable case 0 - - 1.2.4. Transition to pre-arbitrage procedure 0 - - 1.2.5. Arbitrage AZN250 per procedure Participant subject to a financial obligation under a committee decision Central Bank 1.2.6. Transition to pre-compliance procedure 0 - - 1.2.7. Compliance with requirements AZN250 per procedure Participant subject to financial obligation under a committee decision Central Bank

2. Service fees paid to intermediaries on operations conducted with the participation of intermediaries 2.1. Payments made in favor of institutions integrated into the GPP infrastructure based upon the request initiated by another participant 0.01% of transaction amount, min 0.01 AZN – max 4 AZN Issuer Intermediar y 2.2. Payment made at points of sale 0 - - 2.3. Transfers and payments made with the USSD protocol with the involvement of a mobile operator 0.01% of transaction amount, min 0.01 AZN – max 4 AZN Issuer Mobil operator 2.4. Payments made in points of sale using e-banking services of intermediaries 70% of interchange tariffs applied on relevant operations Issuer Intermediar y 2.5. Transfers and payments made through the IPS Portal (IPS Mobile application and a personal cabinet created in the IPS website) 0 - -
3. Interchange fees charged among participants 3.1. Bank’s customer transfers through the IPS 0 - - 3.2. Payments made in favor of institutions integrated into the GPP 0 - - 3.3. Payments made outside the GPP in favor of mass service entities and on financial services 3.3.1. Mobile communication, satellite TV, Internet provider payments 0,50% of the amount Acquirer Issuer 3.3.2. Utility payments 0,10% of the amount Acquirer Issuer 3.3.3. Financial service payments 0,20% of the amount Acquirer Issuer 3.3.4. Payments on other segments (insurance services, educational institutions, public associations, social services etc.) 0,60% of the amount Acquirer Issuer

3.4. Payments made outside the GPP in favor of budget organizations 0 - - 3.5. Payments made on points of sale 3.5.1. Payments on large and small sized markets 1.25% of the amount Acquirer Issuer 3.5.2. Drug store payments 1.25% of the amount Acquirer Issuer 3.5.3. Transport payments 0.20% of the amount Acquirer Issuer 3.5.4. Payments at gas stations 0.75% of the amount Acquirer Issuer 3.5.5. Payments on other segments (catering, travelling and entertainment, healthcare facilities, air transportation, sale of garments etc.) 1.50% of the amount Acquirer Issuer 3.6. Payments made on betting games and sale of lotteries 1.50% of the amount Acquirer Issuer 3.7. Payments at e-commerce resources 1.30% of the amount Acquirer Issuer 3.8. Cash-out 3.8.1. via ATMs 0,50% of the amount Issuer Acquirer 3.8.2. at branches 0,50% of the amount, min AZN1 Issuer Acquirer 3.8.3. at merchants 0,50% of the amount, min AZN1 Issuer Acquirer 3.9. Transactions involving credits to an account 0 - -