EmlakFX

• Customers intending to conduct buy/sell transactions involving foreign currency banknotes (physical foreign currency) and/or physical precious metals. (e.g., currency exchange offices, jewelers, gold refineries)
• Customers intending to conduct transactions for speculative purposes.

Same-day value (intraday, T+0) transactions are executed.

Additionally, forward transactions (term-based buy/sell transactions) with a 1-day value date (T+1) are available for all currency pairs, and those with a 2-day value date (T+2) are available for many currency pairs.

Forward transactions with maturities exceeding two days are not currently offered. Future plans aim to introduce forward transactions with maturities of up to 30 days, followed by 90-day and 360-day options.

As stated in the relevant agreement signed with the customer, completed transactions cannot be cancelled. It is also not possible to modify the amount, transaction rate, or maturity of completed transactions.

Pursuant to the clauses of the EmlakFX Platform agreement, there is no requirement to obtain wet-signed instructions.

Transactions can be executed in TL, USD, EUR, GBP, CHF, JPY, AUD, CAD, NOK, SEK, DKK, RUB, SAR, KWD, AED, and QAR currencies.

Precious metal transactions involving Gold (XAU), Silver (XAG), and Platinum (XPT) can be executed using the troy ounce as the unit of weight. Buying and selling transactions for all the aforementioned foreign currencies and precious metals can be carried out against TL, USD, and EUR.

To set up EmlakFX, our bank's customers are required to provide the following agreements and forms with wet signatures:

• EmlakFX Platform Agreement
• EmlakFX Pre-Contractual Information Form
• Declaration of Acceptance for the EmlakFX Platform Agreement

Additionally, depending on the transaction type (intraday, forward) and if limits are applied, it may also be necessary to obtain the following agreements and forms with wet signatures:

• Customer Undertaking and Information Form Regarding Exchange Rate Reference Limits
• Futures and Forward Transactions Framework Agreement
• Form for the Application of General Transaction Terms to the Futures and Forward Transactions Framework Agreement
• Pre-Contractual Information and Risk Disclosure Form for Futures (Derivative) Transactions

Transactions can be carried out between 09:30 and 23:59 on official business days in our country.

However, if the day is an official holiday in the country of the currency involved in the transaction (for example, the USA for a USD/TL transaction), the transaction cannot be executed at that exchange rate.

There are plans to extend the transaction hours in the future.

For customers wishing to execute same-day value transactions, the Special Rate Reference Limit and/or an amount equivalent to the transaction value must be held as a block in their account.

Customers wishing to execute forward transactions must have a Forward Limit or Forward Collateral.

The platform can be installed on all Windows-based computers that support Java. A mobile application from EmlakFX for iOS and Android-based devices (phones, tablets, notebooks, etc.) is not currently available; work on this is ongoing.

Transactions with a minimum value of 10,000 USD can be executed via the platform.

The transaction amount is evaluated within the scope of the upper limit and/or the account balance.

Demo platforms have been created specifically for all our branches, and the usernames, passwords, and installation links have been communicated to them. The decision regarding whether to present these demo platforms—which allow for testing—to customers or to use them exclusively for branch staff rests with the branch itself. The exchange rates displayed on the demo platform, which allows access via only one device at a time, are indicative rates.

The platform is free; there are no periodic fees or commissions.

More detailed information about EmlakFX is available at www.emlakfx.com.tr and on the relevant pages of our bank's website.

For further information, please contact us via the email address and phone number below.

emlakfx@emlakkatilim.com.tr
0216 275 26 64