(1) These Regulations do not apply to -
(a) payment transactions made exclusively in cash directly by a payer to a payee, without any intermediary intervention,
(b) payment transactions from a payer to a payee through a commercial agent authorised under an agreement to negotiate or conclude the sale or purchase of goods or services on behalf of the payer only or the payee only,
(c) professional physical transport of banknotes and coins, including their collection, processing and delivery,
(d) payment transactions consisting of non-professional cash collection and delivery within the framework of a non-profit or charitable activity,
(e) services where cash is provided by a payee to a payer as part of a payment transaction following an explicit request by the payment service user just before the execution of the payment transaction through a payment for the purchase of goods or services,
(f) cash-to-cash currency exchange operations where the funds are not held on a payment account,
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