Client Information Form

Name :

Surname :

Gender :

Father’s Name : Mother’s Name:

Mother’s Maiden Name : If Married, Former Surname :

Date of Birth : / / Place of Birth : Marital Status : Nationality : 2. Nationality : Educational Background : Residing abroad : Citizenship No. :

Identity Details (It is sufficient for you to complete only one of the identity information below.)

Identity Card : Serial No.: No.:

Driver’s License No. : Place of Issue:

Passport No. : Place of Issue:

Address Details

Contact/Correspondence Address Type : Contact/Correspondence Address :

Locality : County:

City : Zip Code:

Country :

Telephone Details

Home Tel. : /

Office Tel. : / Internal:

Mobile Tel. (Akbank Password Telephone*) : /

Fax No. : /

E-mail Address : @

Client Information Form

*Akbank Password Telephone is the Mobile phone number which will receive the passwords of Bank Card, Akbank Direct, Telephone Branch and current products and services or products and services to be launched, and which only belongs to you and shall be used by you. I agree, declare and undertake that transactions may be made by the Bank based on short message to come from this telephone number in Password determination transactions by sending short message (SMS) for other product and service transactions to be used in the future with Bank Card, Telephone Branch and Akbank Direct password to be sent to Akbank Password Telephone stated in this form and Akbank shall not have any responsibility for any transactions

INDIVIDUAL BANKING SERVICES CONTRACT NAME & SURNAME OF CLIENT:

The definitions and terms used in this Contract and their meanings are stated below.

Bank: Akbank T.A.Ş.

Branch: Bank Branch with which the account is held.

Client/Member: Account Holder/Bank Card Holder/Credit Card Holder. Real person who has an account held with the Bank in his own name and/ or bank card/Credit Card provided by the Bank and/or Overdraft Account and who will make banking transactions under this Contract.

Visa International, MasterCard International, Joint ATM: Payment systems of which the Bank is a member.

Member Establishment: Real and legal persons who sign a Member Establishment Contract or any other contract which may be concluded hereunder with a Bank or institution connected to Visa International and MasterCard International systems, and sell all goods or services only to holders of Visa International and MasterCard International card physically or online pursuant to the power granted by the Bank or institution under such contract, and real and legal entities, firms, businesses allowing for single payment, payment at call/deterred payment by installments with a Credit Card, which may accept Credit Card payments or provide cash to Credit Card or Bank card holder pursuant to the Credit Card or Bank Card under the power granted by the Bank in product/service purchases by member and/or Additional Credit Card Holder in accordance with a “Credit Card Program Member Establishment Contract” concluded or to be concluded by them again for Credit Cards.

Card: Bank Cards, Credit Cards, Virtual Card, Additional Credit Cards and additional service cards which may be issued in connection with these Cards and other cards which may be issued without nature of payment shall also be subject to provisions of this contract and shall be referred to as a card in this contract.

POS (Point Of Sale/Sale Terminal): A machine which receives provision electronically, ensures password entries, produces sales or credit documents, receives payment through its connection to the computer system of the Bank or financial institution of which the establishment is a member, by reading information magnetically recorded on the Credit Card in the course of Credit Card payment transactions in the Member Establishments.

TRCB: Republic of Turkey Central Bank.

Kiosk: Electronic devices used for easily and rapidly realizing many banking transactions to be determined by the Bank in the branch and locations outside the branch by simple menus with bank or credit cards.

Mobile Password: Single use password used as a transaction confirmation code for identity verification or any transactions determined by the Bank with the right of changing in any transactions made on the Free Banking Channels reserved to the Bank, and sent to the mobile phone of the Client by short message (SMS).

Akbank Password Telephone: Mobile phone number which will receive passwords of Bank Card, Akbank Direct, Telephone Branch and current products and services, or products and services to be launched, and which only belongs to you and shall be used by you.

IVN (Interactive Voice Notification) System: Automatic external call system which is realized without any live operator, and which can also detect voice or dialed responses of the called person to the call.

IVR (Interactive Voice Response) System: Telephone technology enabling a computer to detect voice and dialing and to realize transactions.

IVVR (Interactive Voice Video Response) System: Telephone technology which can transfer video in addition to voice and dialing, and where the transferred information can be understood -by the computer.

Akbank Direct Internet: Online provision of all banking services stated in this contract by the Bank to the Client, including investment and insurance services.

Capital Market Instruments: All securities which are under the Capital Market Law No 6362 issue of which is regulated by various regulations and demand of the Capital Market Board including interim certificates,

pre-emption coupons, government bonds and treasury bonds, private sector bonds and Commercial papers, investment fund participation certificates, asset-based securities, participation dividends, profit-loss partnership certificates, revenue partnership certificates, mortgage debt and annuity bonds, negotiable papers accepted as a security by the Capital Market Board, and negotiable papers not considered as a security, other documents representing financial values, metals such as gold and silver, other capital market instruments which may be issued under the Capital Market Law, and all securities traded on international stock exchanges and markets as per legislation of the relevant country.

Agent: Institutions contracted and/or to be contracted with Akbank T.A.Ş. and its branches under an agency agreement in line with communiqués of the CMB.

Bank Card Additional Card: Means the Bank Card requested and opened in connection with the main account of the Bank customer and printed to the name of the user with the regular payments done to the opened Bank Card additional account which allows for Cash withdrawal and shopping transactions from this account..

Bank Card Limit: Amount of limit to be determined for domestic and international cash withdrawal and shopping transactions of the Bank Card holder with the Bank Card and Cash Payment transaction from POS.

Qualified Electronic Certificate (QEC): Electronic record connecting signature verification data (data such as cipher, cryptographic secret key) and identity details of the signature holder and required for mobile signature applications.

Cash Withdrawal/Cash Advance: In the events of receiving TL or foreign Exchange with Credit Card from the Bank, from the Internet Branch of the Bank through transfer to accounts, from the Bank ATMs, from Member Establishments which enable cash payment, from other bank ATMs based on the protocols done or may be done between the Bank and other banks based in Turkey and all bank branches and offices based abroad and is connected to Visa International and MasterCard International payment systems or ATMs of these banks or from Member Establishments by Member and/or Additional Card Holder are under cash withdrawal unless informed otherwise by the Bank.

Furthermore, purchase of precious metals, stones, objects and foreign exchange stated in the Resolution Number 32 on Protection of the Value of Turkish Currency, EFTs, transfers and automatic payments done from the Credit Card account, payments done to people and institutions, games of chance and numbers, market transactions/stock purchases, traveler’s checks, payment of Credit Card debts and all kinds of cash outflows done from this account and other situations specified by competent authorities shall be under CASH WITHDRAWAL.

Bank Card: means the card given by the Bank and enabling Money withdrawal from ATMs and BTMs, shopping from POSes, obtaining information, product and service from Free Banking Channels.

Contactless Card Reader: means the machine that can be connected to automatic, validator, tollgate and all other devices from outside or is entered to these devices and can also do contactless transaction and reads the cards

Contactless Cards: A card which can be read by Contactless Card Readers through its antenna, and can, in line with the demand of card holder, effect the ordered transactions below a certain limit designated by the official authorities by being read remotely.

Spending Document (Slip): means the document that shall be issued by the Member Establishment against the goods/service purchased with the Credit Card and includes transaction amount and number and amount of installments resulting from the transaction, if any, for the credit which has installment application and approved by the Member or Additional Credit Card Holder by entering a password (signed when entering a password is not possible) and contains payment commitment.

Permanent Data Register: Short message, electronic mail, internet communication, disk, CD, DVD, memory card and all kinds of similar other tools or media which enable the customer to register the information sent by or to the customer in such manner to allow

inspection of such information for the intended purposes for a reasonable period of time, and to copy the same unchanged, and to have access to such information.

BANKING SERVICES CONTRACT 1- BASIC PROVISIONS 1.1. Information

1.1.1. Clients are entitled to get a copy of the Banking Service Contract signed by them from the branch (“Branch”) which holds their account.

1.1.2. Provisions of the Contract apply to all accounts which have been and will be opened with all branches of Akbank T.A.Ş. (“Bank”) in the name of the Client. In addition, the Parties agree that if more than one Deposit Account is held or opened with the Bank of the same or different type, provisions of the Contract shall apply unless a separate Banking Service Contract is signed, and that the procedures and rules listed in the Contract shall apply to the renewal of these deposit accounts.

1.1.3. All contracts, commitments, instructions and all kinds of forms and similar documents which are not included in the Contract, but which shall be signed by the Client for enabling the Bank to perform the relevant banking services are integral parts of the Contract.

1.1.4. The fact that the Contract has been signed by the Client does not obligate the Bank to provide all the banking services under the Contract, unless the remaining conditions required by the Bank have been satisfied by the Client.

1.2. Cooperation Obligation of the Client

1.2.1. The Client agrees and undertakes to act in accordance with all legislations which are in and will come into force in the effective term of the Contract, and to act as per all legislative provisions without exception when using the banking services, products and transactions under the Contract, and to the fact that the Bank shall be entitled to close his accounts by providing a written notice, and terminating the Contract in case of any violation of the legislation. In this case, the provisions in the article of the Contract titled “Provisions Regarding Termination of the Contract and Closure of Account” shall apply to closed accounts of the Client.

1.2.2. All Clients shall provide all documents from time to time which are likely to be required by the Bank from them under the applicable legislation in accordance with the laws of Republic of Turkey. If the Client is a foreign person or the documents are written in a foreign language, the Bank may ask for notarized translations of these documents, or the Bank may have them translated. In both cases, translation expenses shall be charged to the Client.

1.2.3. The Client is obliged to notify the Bank in writing of all possible changes regarding any information provided by him to the Bank in due course, including without limitation changes of telephone, address, title, change of legal form, marital status, disqualification, restriction, change of authority/authorized person, dismissal of agent immediately, but in any case within 15 (fifteen) days following the occurrence of such change, and to submit any documents duly issued which may be required by the Bank for such a change.

1.2.4. The Bank may ask for proof of source of any money and negotiable papers and other properties deposited by the Client in all transactions.

1.2.5. The Client declares that all information he provided to the Bank for benefiting from the services in the Contract is accurate and complete. The Client shall be responsible for any losses incurred by the Bank which performs transactions relying on accuracy of this information due to missing, false or incorrect information.

1.3. Bank and Client Secret

If any products/services requested by the Client is to be provided as a result of their cooperation established or to be established with the third persons, the Client gives his consent to the Bank to share all secrets of the Client known by the Bank due to the services provided to him by the Bank under the provisions of the Contract including without limitation identity details, address, occupation of the Client with other parties to this cooperation. In addition, the Client gives his consent to the Bank to

share such information with public authorities and entities.

2- ACCOUNTS

2.1. General Provisions Regarding Deposit Accounts:

2.1.1. Save for the provisions regarding Time Deposit, the Client may draw his deposit personally or authorize another person to draw his deposit by an instruction acceptable to the Bank, or transfer it to any account of him or others with another bank established in Turkey or abroad, except for provisions of article 60 of the Law No 5411. The transactions stated in this article may also be performed through Free Banking Channels.

2.1.2. In drawing and depositing transactions from/to all Accounts, including the Overdraft Account regulated in the Contract, value date of transaction is the same business day in drawing transactions and value date is the business day following date of transaction in depositing transactions disregarding whether the transaction is performed from the Bank’s counters or through Free Banking Channels.

2.1.3. In case there is a fractional figure in the interest calculations, values between 00-49 in the decimal sections of that amount shall be rounded down to the lower value, and values between 50-99 shall be rounded up to the higher value. (e.g.1,2549-1,25; 1,2550-1,26)

2.1.4. If the Client request the closing of his accounts, he agrees, declares and undertakes to pay the Bank the Banking and Insurance Transactions Tax and other legal liabilities at the current rates on closing date of account.

2.1.5. Deposit accounts shall be blocked within the provisions of the Turkish Civil Code on pledges and right of lien and Code of Obligation on transfer of claim and clearing and powers given and obligations stipulated by other laws (notification of legal encumbrances like lien, injunction, etc.).

2.2. Insurance of Deposit

Portion of saving deposit in Turkish Lira and gold deposit and foreign exchange deposit accounts with the nature of saving deposit, which are opened by a real person with domestic branches of the Bank up to TL 100.000 (One Hundred Thousand Turkish Liras) is insured as per provisions of the “Regulation on Premiums to be Collected by Insurable Deposit and Participation Fund and Saving Deposit Insurance Fund”.

2.3. Timeout of Deposit, Safe Deposit and Receivables

Any deposits, safe deposits and receivables, including without limitation shares and bonds deposited with the Bank, mutual fund, any amounts on deposit accounts opened in the name of the Client with a check book even if check book is not delivered, transfer amounts, interests to accrue on deposits, receivables and safe deposits up to end of term of limitation, which are not requested within ten years starting from the date of the last request, transaction, or any written instruction of the Client, shall lapse. In this case, the Bank shall give a notice to the Client by a registered and reply paid letter by end of January of the following calendar year by stating that all deposits and receivables of the Client which lapsed in a calendar year with a value equal to and higher than TL 50 (Fifty Turkish Liras) shall be transferred to the Saving Deposit Insurance Fund. Such deposits and receivables, and deposits and receivables with a value less than TL 50 (Fifty Turkish Liras) shall be announced as a list on website of the Bank for four months as from beginning of February. In addition, the bank shall publicize through newspapers that it has posted the aforementioned lists on its website. Prior to February 15, such public announcements shall be printed through the Public Announcement Agency for two days in two of the five national newspapers that the Public Announcement Agency lists as having the highest circulation on the day of the announcement. Any lists announced on websites are also sent to the Saving Deposit Insurance Fund and The Banks Association of Turkey simultaneously. The Saving Deposit Insurance Fund and The Banks Association of Turkey publish these lists in a consolidated form on its website by the end of May. All deposits and receivables which are lapsed and announced and are not requested by the Client or his heirs by the fifteenth day of June shall be transferred by the Bank together with their interest to the TRCB or other Bank accounts of the Saving Deposit Insurance Fund by end of June and shall be recorded

as revenue by the Saving Deposit Insurance Fund as of date of transfer. The lapse of time for values stored in the safety deposit boxes begins on the day when safe deposit rent has been last collected or on the last day when the safety deposit box was opened. For any accounts opened in the name of minors and only for payment to them, lapse of time begins on the date the person becomes adult. For any accounts blocked by the competent authorities, lapse of time stops on date of blockage. Lapse of time continues to run as from removal date of blockage on the account.

2.4. Drawing Accounts

2.4.1. Drawing Account is a kind of account allowing payment of available amounts on the account by the Bank upon request of the Client without defining a term beforehand. The Bank is free to apply or not apply interest on these accounts. If interest is accrued on the Drawing Accounts, this interest shall be added to the principal at the end of the year. If interest rates applied to such accounts are changed by the applicable legislation or the Bank, the amount of interest shall be calculated at the new interest rate as from the date of change without any need for any notice. The Client is entitled to withdraw all his current assets on the Drawing Accounts upon his request, save for the provisions of the Turkish Civil Law regarding pledges and the right of retention, and the provisions of the Code of Obligations regarding the transfer and assignment and exchange of receivables, as well as powers and obligations granted and imposed by other laws.

2.4.2. If and when a demand deposit account is opened with respect to a credit agreement of definite time, and the Customer conducts only credit-related transactions through this account, no fee or charge will be claimed from the Customer with respect to such demand deposit account, and said demand deposit account will be automatically closed upon full repayment of credits, unless otherwise demanded by the Customer in writing. However, if the Customer uses the said demand deposit account also for various banking transactions other than credit repayments, the Bank will have the right to claim and collect account management fee and other fees set forth in the agreement from the Customer due to use of account, and the said accounts will not be closed upon full repayment of credits, unless otherwise claimed by the Customer.

2.5. Deposit Accounts

2.5.1. Deposit Account is a kind of account on which interest is accrued at an amount calculated at the interest rate applied by the Bank on a principal not less than the amount announced by the Bank for a term defined below.

If money is drawn from Deposit Accounts before due date, the Bank is authorized to accrue or not to accrue interest on such money drawn from and/or left on the account, to apply interest applied for Drawing Accounts or any other interest rate considered appropriate, to determine different interest rates based on the time of drawing from the account and/or amount drawn. The Bank is entitled not to open a Deposit Account for amounts below the amount announced.

2.5.2. Variable interest rate may be applied to such deposits with a term longer than 6 (six) months under the applicable legislation.

2.5.3. In time deposit accounts, interest rates are announced which are applicable without exceeding the maximum amount and rates determined depending on type of account and applicable articles of the Banking Law, and interest rates may not be changed by the end of the agreed term.

2.5.4. In Deposit Accounts, if the account is not closed by the end of business hours on due date; if the new due date corresponds to a weekend holiday, it shall be considered to be renewed with a new term and at the interest rate which is effective in the Bank on the date of term renewal if the Client gives an instruction to postpone this due date to the first business day or with the same term and at the interest rate which is effective in the Bank on the date of term renewal, if the Client does not give an instruction for renewal of the term.

2.5.5. The provisions regarding the term and period of notice agreed in the Contract between the Client and the Bank are reserved.

2.5.6. In the event of renewal of deposit accounts the Agreement signed by the customer shall be deemed renewed unless any objection is done

by the customer. Claim of the Customer from the Bank shall be the amount calculated over the interest rate at the date of the maturity of the account.

2.5.7. In withdrawals from saving accounts and accounts with 1-year or longer usage periods, the Bank may change the interest rates to be applied in withdrawals from the mentioned accounts within the limitations regarding interest payment in the regulation provided that it informs the depositor 10 days in advance including electronic communication methods in accordance with Decree of the Council of Ministers on Amending the Decision on Deposit and Credit Interest Rates and Profit and Loss Rates for Participation Accounts and Private Current Account and Other Advantages in Such Transactions.

2.6. Joint Accounts

2.6.1. They are such accounts jointly opened by two or more persons in accordance with the provisions of the Turkish Civil Code regarding “Joint Ownership”. Joint Account Holders have equal rights and share percentages, and are jointly and severally responsible to the Bank for all debts, commitments, and liabilities unless otherwise is jointly notified by them in writing.

2.6.2. Payment from the Joint Account may be made; • by joint signature of the Joint Account Holders, • by signature of each of them (individual signature),

• by signature of only one joint depositor pursuant to instruction to be given by clients.

2.6.3. Any instructions to be given on the Joint Account shall cover the entire account, but if there is more than one individually authorized Account Holder and they give different instructions at the same time and/or consecutively, the Bank shall implement each of these instructions for the Holders own shares.

2.6.4. Participation of one or more persons to a current account of a single person or to the Joint Account is only possible by joint and written approval of the Account Holders. The Bank is free to reject such request.

2.6.5. If the Joint Account Holders have not explained the manner to dispose the account, the Bank considers their shares equal and acts on the principle that each of them may freely dispose these shares and implements their instructions accordingly. In this case, authorities of the Joint Account Holders to collect money shall be in accordance with the provisions in the Civil Law. If the Joint Account Holders have stated their shares but have not notified the Bank for power of disposal, the Bank shall act based on the principle that each partner has a power of disposal in proportion to his share. If declarations of the Joint Account Holders regarding power of disposal as well as share percentages are incomplete, required to be clarified and doubtful, the bank is authorized to suspend their authority of disposal on the account until these issues are clarified.

2.6.6. The Account Holders agree, declare and undertake that percentage of share corresponding to a client with a bank receivable due from him of the Joint Account due to all Bank receivables accrued and due from one or more of the Joint Account Holders is pledged to the Bank; that the Bank may offset it against his receivables in proportion to share of the Joint Account Holder against whom a Bank receivable accrued after maturity of the Bank receivable together with its accessories or it may be placed on a blocked account or considered as a guarantee; that it may exercise these rights on the account fully or partially.

2.6.7. If the Bank sends an account statement, intention of agreement or any other notice only to one of the Joint Account Holders in respect of values deposited by the Account Holders or third persons to the account and negotiable papers delivered as well as all payments made from the account and all kinds of disposal, act and action on the account, these documents shall be deemed to be sent to other Account Holders and they are also deemed to be informed on these matters.

2.6.8. The Joint Account Holders unconditionally represent each other in all transactions, acts and disposals related to the account and acceptance of all notices, notifications, announcements, warnings and each of them is representative of each and all of others.

account of a single person or in a joint account is possible by submission of a written and joint request to the Bank by all Account Holders and acceptance by the Bank.

2.6.10. In the event of death of any of the Joint Account Holders, elimination of his competence of exercising civil rights, application to judicial authorities for bankruptcy, garnishment and injunctive relief, if share percentages in the Joint Account have not been determined by a written notice jointly given by the account holders, share percentages of account holders shall be considered equal and only share of the account holder died or who is subject to restriction on his competence to exercise civil rights and/or garnishment, bankruptcy, injunctive relief and similar encumbrance shall be subject to legal proceedings.

2.6.11. If individuals become a party to a Joint Account under the legal provisions beyond their will, shares and authorities of disposal of the Account Holders in the account are valid for the entire account. Partners may dispose this account in the form of participation only upon joint application or by consents of others and through one of them by submitting a power of attorney upon request of the Bank.

2.7. Accounts Opened in Foreign Currency

2.7.1. The Client agrees that any loss likely to arise from exchange of two foreign currencies in the course of transfer transactions between Foreign Exchange Drawing Accounts shall belong to him; that TL corresponding to difference between rates and to such loss and resulting BITT shall be charged TL or Foreign Exchange Drawing Accounts with the Bank. The Client agrees that in case a check is drawn on the Foreign Exchange Drawing Account opened with effective rates of foreign exchange types of which effective and foreign exchange buying rates are different, any difference to arise as a result of conversion transaction shall be met from the Foreign Exchange Drawing Account.

2.7.2. The Bank does not have to pay in a currency other than the currency the account was opened with and is entitled to refuse such requests. Nevertheless if the Customer wishes to make a transfer from his TL account to the Foreign Currency account or give a foreign currency EFT/transfer (to a name or a Foreign currency account) instruction, it shall be based on the Bank's relevant foreign exchange rate at the time of transfer in the translation of the currency. Furthermore, provided that it complies with the relevant Legislations, translation of foreign currency into each other (both in transfers between foreign exchange currencies and in giving EFT/transfer order from a foreign currency account to another account or to a name) shall be based on the Bank's relevant foreign exchange parity rate.

2.7.3. The Client shall be entitled to directly draw account balances in a foreign currency only by a check drawn on the Bank or to act by a written instruction. Any sum stated on the check and/or written instruction must be in the currency of the account. However, the Bank is free to enforce any checks or transfers in a currency different from currency of the account by applying provisions of the applicable article.

2.8. Overdraft Deposit Account (Plus Money):

2.8.1. If the Customer’s demand is accepted, and upon signature of the Agreement by the Customer, the Bank may make a “Plus Money Credit” in the form of an overdraft deposit account available to the Customer in order to meet the short-term cash requirements of the Customer. The Customer hereby accepts and acknowledges that the Bank will apply interest over the interest rate given in the Information Form on the Bank’s Plus Money Credit, and in addition, this credit facility will be subject to taxes and funds at the rates determined by the relevant official authorities, and to a commission determined/to be determined by the Bank as described in details in this Agreement and to be applied by methods stipulated in the pertinent applicable laws.

2.8.2. The Customer further agrees and accepts that the Customer may demand a new credit limit and/or a credit limit increase for Plus Money Credit from the Bank through Free Banking Channels and other channels to be determined by the Bank, whereupon if the Bank accepts to allocate a new limit or to increase the existing limit

for Plus Money Credit, the provisions of this Agreement pertaining thereto may be applied thereon.

2.8.3. Except for the events which may lead to risks for the Customer or the Bank, and with respect to this credit facility, the Bank will, by sending a 15-days’ prior notice and to the extent permitted by the applicable laws, be entitled to open one or more current accounts, and to reduce the limits of current accounts by considering the credit allocation conditions such as the Bank’s crediting policies and the Customer’s credit performance and financial standing, and to reactivate the current accounts with zero limit, and to transfer funds among the accounts of the Customer.

2.8.4. The Bank may make the Plus Money Credit available under this Agreement fully or partially against all kinds and types of guarantees, including, but not limited to, cash, personal and non-cash credits, receivables, movable and immovable assets, negotiable instruments and bills of exchange, and cash funds. The Customer is under obligation to provide the Bank with the requested guarantees and collaterals in the formats and under the conditions to be determined by the Bank, and within a period of time to be designated by the Bank according to credit limit and margin rate. If and when the amount of existing guarantees reduces, or is likely to reduce, or they fully or partially lose their collateralization value, or it is understood that the guarantees are inadequate, or upon occurrence of any one of the events of default or other just causes, the Bank will be authorized to request new or additional guarantees from the Customer in the formats and under the conditions to be determined by the Bank, and may condition the drawdown or maintenance of loans hereunder upon proper provision of the requested guarantees.

2.8.5. If and to the extent his current account balance is not adequate, the Customer hereby acknowledges and accepts that his remittance orders/payment instructions may be executed by being debited to his Plus Money Credit account within the frame of provisions of this Agreement pertaining to remittance transactions. 2.8.6. Plus Money Credit may be utilized and drawn down through ATMs and Branches or through Alternative Distribution Channels to be determined by the Bank.

2.8.7. It is hereby acknowledged and accepted by the Customer that if the account/accounts defined as Plus Money Credit turn into debit balance, that date of turning into debit balance, or if the said account/accounts turn into credit balance, the day after the date of turning into credit balance will be considered and treated as the value date, and that if the account/accounts turn into debit balance in a holiday, the value date thereof will be the business day before that holiday, and if the account/accounts turn into credit balance in a holiday, the value date thereof will be the first business day immediately thereafter.

2.8.8. The Customer may further utilize and draw down the Plus Money Credit in installments. After receipt of the demand of

utilization in installments, an information form/note/screen containing such information as interest rate, annual cost rate, installment amounts, dates of installments, and total payment amount will be provided/shown to the Customer in the relevant channel, and the Customer will be requested to give approval for the transaction in the relevant channel, and thereafter, the loans will be made available in installments.

2.8.9. If the repayments of Plus Money Credit are to be made in installments, the payment plan will be prepared over the then-current Plus Money interest rate. Installment payment date is the 15th day of each month, and the first installment date is the 15th day of the month immediately after the month of drawdown. It is hereby accepted by the Customer that the amount of first installment will be higher than other installments if and when the period between the credit drawdown date and the due date of the first installment is longer than one month.

automatically collected from the demand deposit account containing the credit limit. If the relevant account does not contain an adequate balance, the installment amount will be collected from Plus Money limit.

2.8.11. The Customer may prepay one or more undue installments, or may prepay the full amount of outstanding loans. Thereupon, a discount will be made with respect to all interest and other cost elements depending upon the prepaid amount.

2.8.12. The Customer hereby accepts and acknowledges that he is liable to follow up his Plus Money credit facility, and that if his account turns into debit balance, the Bank will not be under obligation to ex officio settle the debit balance of Plus Money Credit together with interests, taxes and funds accrued thereon, by making a transfer from balances of other accounts (Foreign Exchange Deposit Account, time deposit account, investment account, etc.) of the Customer held with the Bank.

2.8.13. The Customer has the right of rescission from the Plus Money contract within 14 (fourteen) days without being liable to show any reasons and to pay any penalty thereinfor. It is adequate for the Customer to send to the Bank a notice of use of the right of rescission within the validity term of the right of rescission. If the Customer using his right of rescission has already utilized the loans, then the Customer will, within no later than 30 (thirty) days following the date of delivery of the notice of right of rescission to the Bank, repay to the Bank both the loan principal and the contractual interests accrued during the period from the date of drawdown of loans to the date of repayment of loan principal. If the Customer fails to make this repayment within this period of time, he is deemed not to have backed out of the credit, whereupon all kinds of obligations of the Customer arising out of the contract continue. In the case of use of right of rescission, no money will be claimed from the Customer other than the contractual interests and the costs which have already been paid to a public authority or entity or to third parties.

2.8.14. Pursuant to the provisions of the Consumer Protection Law no. 6502, if the Bank changes the interest rate, such change will be notified to the Customer in writing either on paper or via a permanent data register 30 (thirty) days prior to the effective date thereof. However, the Customer will not be affected from said increase of interest rate if the Customer fully pays all of his outstanding debts thereunder within maximum 60 (sixty) days following the date of notice, and ceases to utilize loans therein. 2.8.15. The Bank will be authorized to change and revise the announced rates of commission of Plus Money Credit due to changes of laws, decisions taken by official authorities or change of market conditions, or increase of sourcing/crediting costs, or increase of operational costs, or all kinds of increases in the service costs hereunder, or in tandem with the changing market conditions. For the changes of fees up to 20% in a period of one year, the Customer will be informed beforehand by effective methods of communication set forth in the applicable laws in accordance with the rule of 45 days’ prior notification. The Customer will have the right to back out of the relevant banking product or service within this period of 45 days. If this right is used, fees will not be charged on or collected from the Customer for the new term. If the right to back out is not used by the end of this period, new prices and rates will be applicable thereafter. In the case of non-acceptance of change of interests or fees relating to use of the relevant product or service, the Bank reserves its right to cease giving such service to the Customer. A separate approval of the Customer is required to be received for changes of fees in excess of 20% in a period of one year. 2.8.16. The credit facility extended by our Bank under the name of Plus Money will be linked to a Demand Deposit Account of the Customer. If the Customer holds more than one demand deposit accounts, the Plus Money credit will first of all be linked to the Customer’s wage account, if any. The Bank will be authorized all

of the outstanding debts of the Customer arising out of the Plus Money Credit from the moneys deposited or remittances credited to the said account, including the Customer’s wages, irrespective of the method of depositing thereof, immediately or at the day-ends. If and to the extent money is deposited to the Customer’s deposit account to which the Plus Money Credit is linked, first of all, the accrued outstanding interest, tax and fund debts of the Customer will be collected therefrom. However, it is hereby declared, accepted and acknowledged by the Customer that if the said account’s balance is not adequate, the Bank may, in the same day or after a certain time, ex officio collect such outstanding debts from all other accounts (wage accounts and/or other kinds of accounts) of the Customer held with the Bank, regardless of any limitation of amount and without any separate instruction of the Customer.

2.8.17. Interest of Plus Money Credit may be accrued and collected in the last business day of every month. The Customer is liable to pay the accrued interests, funds, taxes and expenses until (and including) the 15th day of the next month. The Bank is authorized to change the Plus Money Credit interest accrual periods announced by it. Furthermore, the Customer hereby declares, agrees and acknowledges that all of the accrued interests, funds, taxes and expenses will be collected by the Bank ex officio from the Customer’s said account/ accounts or if any, other account/accounts, and if and to the extent they are not collected therefrom until (and including) the 15th day of the next month, the Customer will pay the same at once and immediately upon first demand of the Bank, and if and to the extent not paid, his account/accounts will be closed, and his outstanding debts will become immediately due and payable, and the provisions of Article 2.8.19. will be applicable. The Customer further accepts and declares that if and to the extent cash funds equal to the total sum of the accrued interests, funds, taxes and expenses are not credited to the subject account after the date of accrual, such debts will be deemed not to have been collected.

2.8.18. If the Customer’s account/accounts give a debit balance (do not turn into positive balance) for a period of 90 days, or the interests, funds and taxes accrued until the last business day of each month are not paid until (and including) the 15th day of the next month, the Plus Money Credit limit will be automatically closed. Thereupon, the Customer declares and acknowledges that the debts owed to the Bank will immediately become due and payable, and the Bank will apply the provisions of Article 2.8.19 on the Customer. The period of 90 days mentioned in this Article may be reduced or increased by a 15-days’ prior notice sent by methods (electronic mail, internet site, written notice, SMS, etc.) to be determined by the Bank, due to changes of laws and/or changes in the Bank’s policies. In the event that the Customer does not settle his debts relating to Plus Money Credit, or fails to pay in a timely fashion any moneys required to be paid pursuant to the Agreement or other contracts signed/to be signed between the parties, or a material mistake/untrue information is detected in the information and documents presented by the Customer to the Bank, or the Customer fails to perform in a timely manner any one of his obligations arising therefrom, or in the case of reasonable signs of worsening of the Customer’s financial situation such as protested promissory note/notes or bounced check/ checks, or initiation of legal proceedings for bankruptcy, insolvency, attachment, precautionary attachment, injunctive relief or similar other legal remedies, or death, or petition for bankruptcy or for postponement of bankruptcy, etc., then the debts owed to the Bank will immediately become due and payable, and the provisions of Article 2.8.19 will be applicable.

2.8.19. The Customer hereby agrees and undertakes to pay a default interest to be charged at a rate of 2.52%, together with RUSF (Resource Utilization Support Fund), and Bank and Insurance Transactions Tax and other taxes, funds, charges and costs to be calculated thereon, for the period from the date of default to the

date of full repayment and settlement of debts, if and when the Customer’s debts owed to the Bank pursuant to provisions of this Agreement become due and payable and the Customer falls in default. 2.8.20. The Customer agrees and undertakes in advance to be responsible for, and to pay in advance, in cash or in account, all charges and costs to be specified by the relevant legal authorities, and all kinds of present or future taxes, imposts and duties, and all and any fines and penalties, and all increases of any kind therein, with respect to this Plus Money Credit.

2.9. PROVISIONS REGARDING ROOF ACCOUNT

2.9.1. Roof Akbank Cash Management Account is the time saving deposit account opened by the Client with the Bank for cash management and other transactions in this division by using certain investment instruments offered by the Bank.

2.9.2. The Bank may make transactions, draw money, automatically purchase fund from the Roof Akbank Cash Management Account opened by the Client under this Contract by preferring one or more of several channels designated by the Bank (letter of application, Bank Call Center, Akbank Direct, SMS etc.) under the following conditions. With opening of Roof Akbank Cash Management Account, Akbank Securities Account is defined to realize fund transactions. The Bank may draw money from an account, buy foreign exchanges with this money drawn at such rates to be determined by the Bank, convert these foreign exchanges purchased into TL again at such time and amount to be found appropriate by the Bank and deposit them to Roof Akbank Cash Management Account, and also obtain certificate of participation from the Mutual Funds held with the Bank with such monies it shall draw from Roof Akbank Cash Management Account, return these certificates of participation to the Fund and thus covert into money at such time, amount and price to be found appropriate by it or may deposit to Roof Akbank Cash Management Account by collecting “Share values” in order to make investments and transactions in connection with Roof Akbank Cash Management Account opened by the Client. The Client agrees that amounts with the minimum limits to be determined by the Bank shall be kept on the drawing account in TL; that these amounts shall be kept on the drawing account and no purchase shall be made for investment; that the Bank shall be authorized to change limit of drawing account of the Roof Account and investment product designated for management of this account and/or not to make investment. If the Bank exercises initiative of changing cash management instrument or not purchasing investment instrument, it shall inform its customers under the procedures determined by this Contract by e-mail, fax, SMS as well as announcements in the branch and on Internet.

2.9.3. The Bank returns certificates of participation for mutual funds on Roof Akbank Cash Management Account and changes foreign exchanges on foreign exchange drawing account at an appropriate time and amount for payment of debts in the letter of application or instructions given by the Client, a transaction to debit Roof Akbank Cash Management Account of the Client or an instruction for such transaction and/or any expenses, fees and commission incurred with the Bank.

2.9.4. The Bank is authorized to request commission of the rates and amounts announced by the Bank and are valid at the time of transaction for the transactions and services realized in relation with Çatı Akbank Nakit Yönetim Hesabı (Çatı Akbank Cash Management Account) and from the Çatı Akbank Cash Management Account, to accrue Akbank Çatı Account maintenance fee of an amount that may be changed by announcing/ informing the customers a certain period in advance within the relevant Legislations and directly collect these from the Customer’s account at the Bank.

2.9.5. The Bank may open Money Plus (Overdraft Account) to holders of Roof Akbank Cash Management Account without requiring income certificate and guarantor in the absence of negative result of inquiries of Credit Record Office and Republic of Turkey Central Bank.

2.10. Provisions Applicable to Accounts Operated with Check 2.10.1. The parties have agreed upon opening a check account on the following terms and conditions provided that it is established with any

documents and information to be obtained in accordance with the applicable legislation that the Client is not prohibited for check and that no circumstance is found to prevent opening a check account as a result of investigations to be conducted by the Bank in respect of economic and social condition of the Client:

2.10.2. The Client shall use check leaves in accordance with the Turkish Commercial Code, Check Code and any legislation to amend or replace provisions in these codes and other applicable legislation. In addition, the Client shall notify the Bank in writing if an external payment is made to check holder in bad checks as per the relevant code provisions and shall attach the original check to such notice to the Bank.

2.10.3. The Client is responsible for keeping any check books and check leaves in them delivered and to be delivered to him with and without signature, empty or completed with due care against possibilities of being lost, stolen, seized and used in bad faith. If the Client loses the entire check book or any of its leaves with or without signature, he must obtain a Decree from the judicial authorities to prevent any false payment or writing a bad check and submit it to the Bank. Otherwise, the Client agrees that any losses to arise from use of such checks by any person and payment of them or accepted for exchange by the Bank shall not be accepted by the Bank.

2.10.4. The Client agrees that check leaves delivered to him shall be issued by a non-erasable pen; otherwise the Bank is not responsible for any possible losses.

2.10.5. If any checks drawn by the Client are submitted to another branch of the Bank other than the branch with which the account is held or corresponding Bank branch or stock exchange, the Client undertakes that these checks may be paid without comparing signature on the check and signatures on account cardboard held with the Bank and without seeing original check and no responsibility shall be imposed by him on the Bank for any losses to arise from failure to compare signatures and see original check.

2.10.6. If any checks drawn by the Client are bad checks, the Bank is not obliged to scan other accounts of the Client held with the Bank and search whether the check is a bad check.

2.10.7. The Client agrees and declares that there is an irrevocable non-cash loan agreement concluded by him with the Bank in the course of delivery of the check book and he shall provide the guarantees requested by the Bank for this reason; that if the balance of the account is not sufficient, he shall be deemed to use a credit for any sums payable by the Bank to check holder for each check leaf submitted (this sum shall be determined based on foreign exchange buying rate of the Bank as of submission date of check in case of foreign exchange checks) and that he shall pay it together with an interest to be calculated on the highest current short term commercial loan interest rate applied by the Bank to short term (TL) loans as declared to Republic of Turkey Central Bank in the period when the relevant loan is made available for the period from payment date of that sum to date of repayment by the Client to the Bank as well as any taxes, expenses and all other legal surcharges. If so calculated debt is not paid in the period stated in a notice given to the Client, the Client declares and agrees also to pay fund and legal deductions on any amount to be calculated by adding two fold of the highest short term cash commercial loan interest rate applied by the Bank on date of payment as from date of notice and RUSF.

2.10.8. As a rule, the Client must draw a check in the currency of the account operating with check, provided that the check does not include any condition of real payment;

A)If the Client issues a foreign exchange check on his

account/accounts opened in Turkish Lira, he agrees that payment is to be made to the check holder by converting the foreign currency indicated on the check into Turkish Lira at the counter foreign exchange selling rate of the Bank as of submission date of foreign currency indicated on the check to the Bank; that portion of the check is uncovered against balance of the account as calculated based on foreign exchange selling rate of the Bank on submission date of foreign exchange check shall be written as

uncovered at the back of the check.

The Client agrees that the Bank is authorized to state uncovered condition at the back of the check even if there is sufficient fund in Turkish Lira on his account/accounts in the course of submission of foreign exchange check including condition of real payment on his account/accounts opened in Turkish Lira.

B) In case the Client issues foreign exchange check on

account/accounts of the Client opened on foreign exchange deposit; (a) The Client agrees that he shall issue foreign exchange check in the same currency with the foreign exchange on the account; that the Bank is authorized to pay it to the holder in Turkish Lira by converting the foreign exchange on the Client’s account/accounts into Turkish Lira by applying Bank counter foreign exchange buying rate as of date of submission to the Bank or in foreign currency without converting into Turkish Lira in case of submission of a foreign exchange check in the same currency with the foreign exchange on the Client’s account/accounts which does not contain record of same payment.

The Client agrees that if balance of accounts is not sufficient to cover amount of foreign exchange check fully or partially on submission date of foreign exchange check, currency of the foreign exchange which is not covered fully or partially as of date of submission is written at the back of the check whether or not there is a record of same payment.

(b) If the Client issues a foreign exchange check in a currency different from currency of foreign exchange on the account, the Client agrees that;

(i) The Bank may convert currency of the foreign exchange on his account/accounts into currency of the foreign exchange on the check by applying the cross rate effective on the international market on submission date of the check and then it may debit it to account/accounts of the client,

(ii) or if both currency of foreign exchange of the account and currency of foreign exchange on the check are from the currencies under the European Currency Union, the Bank may make payment to the holder by using the cross rates announced or on the foreign exchange that is equivalent of the cross rate of the Bank effective at the transaction hour if they are not from the currencies under the European Currency Union,

(iii) Or it may convert the sum on the account or check into currency of the foreign exchange on the account with the same rate application and then it may apply foreign exchange buying rate of the Bank on submission date of the check and debit to the client’s account/accounts and may make payment to the holder of foreign exchange check in Turkish Lira. The Client agrees that if balance of accounts is not sufficient to cover amount of foreign exchange check fully or partially on submission date of foreign exchange check, currency of the foreign exchange which is not covered fully or partially as of date of submission is written at the back of the check by converting currency of foreign exchange on the account/ accounts into currency of the foreign exchange on check by applying the cross rate effective on the international market on submission date of check whether or not there is a record of same.

(iv) If the Client issues a check including record of same payment acting in breach of paragraph (B); the Client agrees that the Bank is authorized to include record of bad check at the back of the check even if there is sufficient amount of foreign exchange in a different currency on account/ accounts of the Client or authorized to make payment by debiting foreign exchange equal to amount of check to account/accounts of the client if a foreign exchange check is issued in the currency which is the same with currency of foreign exchange on the account or to make payment by converting currency of foreign exchange on account/accounts of the client into currency of foreign exchange on the check by applying the cross rate effective on the international market on submission date of check if a foreign exchange check is issued in a currency different from currency of foreign exchange on account/accounts of the client.

(v) The Client agrees that provisions of this Contract shall also apply to foreign exchange checks he shall acquire from other clients to whom the bank issued foreign exchange check and of which he is/shall be also holder.

2.10.9. Unless there is a finalized court decision, the Client agrees that

unless all check leaves are physically returned, the Bank may not be required to cancel the check; that if he requests the check account to which check leaves which are not physically returned are connected to be closed, after closure of the check account, checks submitted in the legal submission period based on the issue date written on it are subject to process of bad check.

2.10.10. Material changes on the check shall be confirmed by full signature of the Drawer.

2.10.11. All check leaves possessed by the Client may be required to be returned to the Bank for the reasons stated in the Check Code or due to check leaves drawn in breach of the provisions of the Contract or applicable legislation or improperly, non-payment of check sum or any debts due to the Bank, proceedings initiated by the Bank or third persons against him, bad debts held with the Bank or other banks, bankruptcy or juridical disability, other adverse circumstances in his economic and social conditions. For any check leaves the Client cannot return because he has issued them and put them into circulation, and which have not been collected yet, he shall deliver to the Bank a list showing issue dates, amounts and beneficiaries, if any, of such check leaves.

2.10.12. The Bank is authorized not to pay the value of the check if it considers the check or identity of its Holder as doubtful in the course of submission and payment of the check.

2.10.13. Check books may be printed by the Bank and given only to the Client or his agent provided that a power of attorney/certificate of authority containing a special power with such contents to be approved by the Bank is submitted.

2.10.14. In case the account partially covers the amount of check leaf of the Client submitted to the Bank, even if the holder does not accept partial consideration in submission of check and/or there is a declaration that the holder waives from amount of liability and/or amount of partial consideration on the account for each check leaf of the Bank and these matters are written at the back of the check, the Bank may block amount of partial consideration in favor of the holder in the period of lapse of time for 3 years as from expiry of submission period of the check, payment may be made upon application of the holder or claim for partial consideration through execution and if the Client pays any sum legally payable by him for each check leaf of the Bank at any time, he shall be responsible to the Bank as per provision of article 2.10.7. for checks.

2.10.15. The Client agrees that he shall take out life insurance from the insurance company of which the Bank is an agent or any insurance company in accordance with the premium payment conditions agreed by him with the Bank and as stated below and applicable legislation subject to mutual agreement; that he shall renew insurance contracts as long as check account of the Client is open; that name of the Bank shall be indicated as the loss payee on all insurance policies which are current/taken out/to be renewed; that the Bank shall cause renewal of all insurance policies taken out due to the check account upon expiry of their term; that sum of the insurance renewed every year shall not be lower than such amount to be determined by the Bank with the margin rate to cover its risk; that he shall pay renewed insurance fees and the Bank is authorized to collect insurance premiums and accessories thereof from the current deposit account and/or deposit accounts/overdraft accounts to be opened upon request of the Client with a limit to be determined by the Bank (from money plus credit limits). If insurance premiums of insurance transaction are not paid by the Client, if credit risk continues, the Bank may take out insurance from any insurance company it desires on any terms, conditions and for any terms desired by it being represented as the beneficiary/loss payee as a security and may claim such premiums from the Client under the terms and conditions of this Contract.

2.11. Bills of Exchange to be collected

2.11.1. The Bank shall enter the amounts of the bills of Exchange entrusted to it for collection into the Customer’s account after final payment and collection. IF the Bank has entered the amount of checks or bills of exchanged into the Customer’s account before collection, entering

in transit does not create a claim in favor of the Customer. The Bank is authorized to deduct the value of the checks and other bills of exchange from which are included in the account before collection from the account at any time. The Customer accepts that this entry is done by the Bank only for systematic facility. If the amounts of the checks and other bills of exchange included in the account without collection is withdrawn by the Customer shall return the Money it has withdrawn together with the interest accrued from the date of withdrawal until repayment date according to the current rate that the Bank applies to overdrawn accounts and Exchange difference calculated based on the Bank counter rate, if any, upon the first demand of the Bank.

2.11.2. The Client agrees that he shall deliver bills of exchange to be delivered to the Bank for collection by completing check-bill deposit slip of the Bank; otherwise the Bank shall not accept bills of exchange for collection.

2.11.3. Control of validity of bills of exchange delivered to the Bank for collection is under the responsibility of the Client. The Bank is not responsible for any bills of exchange not meeting legal requirements or crossing out, erasure, scraping and additions on these bills, forgery, fraud and control of these matters.

2.11.4. The Client agrees to pay in cash any expenses for bills of exchange delivered for collection; otherwise, the Bank is not responsible for non-performance of collection/protest transaction.

2.11.5. The Client agrees in respect of checks or bonds/policies delivered by him for collection as their beneficiary/holder that sums of collectable checks or bonds/policies shall be credited to his account and commission, expense and other deductions shall be debited to his account.

2.11.6. The Client agrees that the Bank is not responsible for any delays and losses which may occur in mail and are not be attributable to the Bank in the course of delivery of bonds/policies or checks delivered by him for collection to the addressee/corresponding bank/banks and/or return of them to the relevant branch, for any failure to make protests due to insufficient period between date of delivery and due date in case compulsory sections of bonds/policies are missing or there remains 15 (fifteen) days and a shorter period to expiry of them on delivery date of them to the Bank and if these bonds/policies shall be collected through corresponding banks, for any failure to process any checks delivered for collection since compulsory sections of them remained missing or if they are delivered before completion of their endorsement.

2.11.7. The Client agrees that if any checks he delivered to the Clearing House through the Bank for collection are bad checks, he authorizes the Bank to take all actions required to be taken in accordance with paragraph 4 of article 3 of the Check Law No 5941, to sign for completing bad check transaction on behalf of him and that he shall not file any objection against the Bank in this regard.

2.12. PROVISIONS REGARDING DEPOSIT SAVINGS ACCOUNT

2.12.1. The Deposit Savings Account is a type of deposit account which enables an amount, that is determined by the customer every month, to be transferred to the savings account by the order to be given and whose procedures are arranged by CBT.

2.12.2. Opening of Account: Akbank Deposit Savings Account can be opened in Turkish Liras, Euro and U.S.A. Dollar types. Account openings are made within minimum limit amounts which shall be determined by the bank.

2.12.3. Akbank Deposit Savings Account shall not be renewed

(prolonged) after their maturity dates and be automatically transferred to the Customer’s drawing account within the Bank whose account balance was determined at the account opening.

2.12.4. Payments: The monthly payment amount should be made regularly and without giving rise to any delay. The regular payments can be made monthly through a drawing account of the customer (if his/her balance is sufficient), or from an Akbank Credit Card of the customer belonging to him/herself. The customer accepts and declares that the payments to be made from his/her credit card shall be made under terms and methods to be determined by the Bank. An authorization shall be

obtained for the order amount on the date as determined by the Client and shall be transformed into Client investment on the last due date of his/her credit card.

2.12.5. The monthly regular payment amounts and interim payments shall able to be made within minimum/maximum limits to be determined by the Bank.

2.12.6. Throughout 5 year maturity of the account, interim payment can be made to the account every month for once. Such interim payments shall be charged with date of entry to the account +1 value date interest.

2.12.7. The customer shall benefit from the facilities in the agreement in case he/she regularly makes the monthly payment amounts until the maturity of the account as stated in this agreement and in its annex payment plan, to the Akbank Deposit Savings Account. Interim payments can not supersede the monthly regular payments.

2.12.8. In case the monthly regular payments stated in this agreement and its annex payment plan is not made 6 (six) times successively, the Akbank Deposit Savings account shall be changed to drawing account.

2.12.9. Interest: It is accrued to the balance at the end of 1 year periods. In case the account is closed before 5 year maturity, no interest payment shall be made to the customer.

2.12.10. The interest rate applicable on account will be the listed interest rate applied to the highest slice of amounts declared in the opening day for application by the Bank in its branch offices on 1-year time deposit accounts.

At the end of each completed period of 12 months, interest rate to be applied on account for the new period will also be determined likewise. The rate will be updated over the interest rate applied to the highest slice of amounts declared in that day for application by the Bank on 1-year time deposit accounts.

2.12.11. Closing of Account: No partial withdrawal can be made from the account throughout the maturity period. In case a withdrawal is made within the maturity period for any reason; in accordance with T.R. Central Bank Communiques and decisions of implementation, the principal amount in the account is transferred to the drawing account which the account is associated and Akbank Deposit Savings Account is closed. In case the account is closed by the customer before its maturity date, the same procedures shall apply.

2.12.12. In decisions and transactions which are sent by the legal authorities and limit the customer’s power of disposition on his/her accounts (such as seizure, lien, injunction), since partial payment is not possible due to characteristic of this account, Akbank Deposit Savings Account is closed and the principal amount in the account is transferred to the drawing account without interest payment, and legal payment is made here from.

2.12.13. In case Akbank Deposit savings account is closed due to reasons stated in this agreement and the current balance in the account is transferred to the drawing account, the Bank may inform the customer via sending SMS to the customer’s phone number recorded in the Bank. Except that, the Bank has no liability to inform with other methods and procedures.

2.12.14. In case the branch of the customer’s deposit accounts under this agreement is closed or transferred to another branch; the customer accepts, declares and undertakes that the Bank is entitled to follow the balance in a new account which shall be opened with a new number in the name of the customer at the branch where the accounts were transferred, or follow such accounts under another account number in the same branch due to technical difficulties, and that the provisions of this agreement shall be applied with the same conditions in such cases.

2.12.15. In case the customer sends his/her demand for Deposit savings account to the bank with the product application page having the characteristics of annex to this Individual Banking Services Contract, the payments of deposit savings account shall be assigned, with the demand of the customer, to the credit card demanded by the customer on the form if any, or to the credit card to be declared by the customer. The payment date for the payments to be made to deposit savings account which shall