Interest Rates and Fees

Interest Rates on Deposits

DEPOSIT GROUP TYPE	INTEREST RATE TO BE APPLIED (%)	INTEREST RATE TO BE APPLIED (%)	INTEREST RATE TO BE APPLIED (%)	INTEREST RATE TO BE APPLIED (%)	INTEREST RATE TO BE APPLIED (%)	INTEREST RATE TO BE APPLIED (%)
TL	WEEKLY	1 MONTH	3 MONTHS	6 MONTHS	1 YEAR	1 YEAR 1 MONTH
1,00-50.000	17,00	24,00	24,00	24,25	24,50	24,25
50.001-100.000	18,00	24,50	24,50	24,75	25,00	24,75
100.001-300.000	18,25	25,50	25,50	25,75	26,00	25,75
300.001-500.000	18,50	26,50	26,50	26,75	27,00	26,75
500.001-750.000	19,00	27,00	27,00	27,25	27,50	27,25
750.001-1.000.000	20,00	27,50	27,50	27,75	28,00	27,75
Over 1.000.001	21,00	28,00	28,00	28,25	28,50	28,25

TERM	USD.	EURO.	STG.
TERM FREE	0,00	0,00	0,00
WEEKLY TERM	0,25	0,25	0,25
1 MONTH TERM	1,00	1,00	1,00
3 MONTH TERM	1,00	1,00	1,00
6 MONTH TERM	1,00	1,00	1,00
1 YEAR TERM	1,25	1,25	1,50
1 YEAR TERM WITH MONTHLY INTEREST PAYMENT	1,00	1,00	1,25

Mevduat Faizi Stopaj Oranları

Interests on bonds or deposits in Turkish Lira currencies obtained by reals persons are 15% (Fifteen per cent)
Interests on bonds or deposits in Turkish Lira currencies obtained by legal entities are 15% (Fifteen per cent)
Interests on bonds or deposits in foreign currencies obtained by real persons or legal entities are 18% (Eighteen per cent)
Interests on bonds or deposits obtained from government bonds by real persons or legal entities are 0% (Zero per cent)

Turkish Republic of Northern Cyprus Banking Law Article 34;
1. Banks, shall not be eligible to accept deposits or participation funds in the name of their overseas branches, centres and their companies or other banks or other financial foundations other than banks.
2. Recruitment of new personnel by the banks in the purpose of collecting the deposits or participation funds in the name of their overseas branches, centres and companies or other banks or financial foundations other than banks, leading their clients to these foundations or preparing documentations shall be deemed as unauthorised acceptance of deposits or participation funds.

Deposits Covered by Savings Deposits Insurance and Financial Stability Funds;

All savings deposits opened in the banks up to 20,000-EUR are covered with the SAVINGS DEPOSITS INSURANCE AND FINANCIAL STABILITY FUNDS insurance.

	Drawing Accounts	Checking Accounts
TL	No receivable interest	No receivable interest
EUR	No receivable interest	No receivable interest
USD	No receivable interest	No receivable interest
GBP	No receivable interest	No receivable interest

PS: +3% BSIV charge will be added for all entries of fees and commissions excluding the articles stated otherwise. For detailed information on other fees on products and operations that are not enlisted on the website, please feel free to contact with a Limasol Türk Kooperatifi Bankası branch.

Letter of Guarantee Fees

LETTER OF GUARANTEE FEES
Service Description	Detailed Explanation	Commission Fee Tariff	NOTES
Domestic Letters of Guarantee	Temporary	1,5% for blockage, 3,5% for others as minimum, 700 TL
Domestic Letters of Guarantee	1 – 6 month term	%3,5 Minimum (700 TL)
Domestic Letters of Guarantee	7 – 12 month term	%5,0 Minimum (700 TL)
Domestic Letters of Guarantee	Longer than 1 Year	%7,5 Minimum (700 TL)
Domestic Letters of Guarantee (For the Ministry of Labor and Social Security)	Up to 15 Months Term (Within the Scope of 12+3 Protocol)	%3,5 Minimum (700 TL)	Within the scope of the protocol specified in YK Decision No: 468/23
Domestic Letters of Guarantee (For the Ministry of Labor and Social Security)	Term up to 27 Months (Within the Scope of 24+3 Protocol)	%5,0 Minimum (700 TL)	Within the scope of the protocol specified in YK Decision No: 468/23
Overseas Letters of Guarantee	1 – 3 month term	2,5% + Corresponding Bank Fee	Corresponding Bank Fee (fees may change as per the corresponding banks selection)
Overseas Letters of Guarantee	4 – 6 month term	3,5% + Corresponding Bank Fee	Corresponding Bank Fee (fees may change as per the corresponding banks selection)
Overseas Letters of Guarantee	7 – 9 month term	5,0% + Corresponding Bank Fee	Corresponding Bank Fee (fees may change as per the corresponding banks selection)
Overseas Letters of Guarantee	10 – 12 month term	6,5% + Corresponding Bank Fee	Corresponding Bank Fee (fees may change as per the corresponding banks selection)

Letter of Credit Fees

LETTER OF CREDIT FEES
Service Description	Detailed Explanation	Commission Fee Tariff	NOTES
TL Letter of Credit	No Term (Without Confirmation)	3% + 300TL Communication Fee (For the first three months), for each month upcoming 0,5% commission fee + current corresponding bank expense.
TL Letter of Credit	With Term (Without Confirmation)	3% + 300TL Communication Fee (For the first three months), for each month upcoming 0,5% commission fee + current corresponding bank expense.
TL Letter of Credit	No Term (With Confirmation)	3,75% + 300TL Communication Fee (For the first three months), for each month upcoming 0,5% commission fee + current corresponding bank expense.
TL Letter of Credit	With Term (With Confirmation)	3,75% + 300TL Communication Fee (For the first three months), for each month upcoming 0,5% commission fee + current corresponding bank expense.
FC Letter of Credit	No Term (Without Confirmation)	3% + 300TL Communication Fee (For the first three months), for each month upcoming 0,5% commission fee + current corresponding bank expense.
FC Letter of Credit	With Term (Without Confirmation)	3,5% + 300TL Communication Fee (For the first three months), for each month upcoming 0,5% commission fee + current corresponding bank expense.
FC Letter of Credit	No Term (With Confirmation)	3,50% + 300TL Communication Fee (For the first three months), for each month upcoming 0,5% commission fee + current corresponding bank expense.
FC Letter of Credit	With Term (With Confirmation)	3,50% + 300TL Communication Fee (For the first three months), for each month upcoming 0,5% commission fee + current corresponding bank expense.
TL Standby/LC		3% opening commission + (annual 0,8%) + current corresponding bank expense.
FC Standby/LC		3% opening commission + (annual 0,8%) + current corresponding bank expense.
Amendments on FC / TL Letter of Credit for Imports		80 TL per each operation + current corresponding bank expense.
Commission for Transfer of FC / TL Letter of Credit for Exports		%0,4 (Four per Thousand)
TL Import and Documentation Operations		0,6% (Six per Thousand) + 55 TL Communication Fee + current corresponding bank expense.
FC Export and Documentation Operations		0,7% (Seven per Thousand) + 73 TL Communication Fee + current corresponding bank expense.
FC / TL Aval Commission		3%
FC / TL Air-waybill Guarantee		28 USD

Money Transfers

MONEY TRANSFERS
Service Description	Detailed Explanation	Commission Fee Tariff	Notes
Money Transfers to Domestic Banks	Bank transfers from one client account to another client account	No Fee
Money Transfers to Domestic Banks	Money transfer between to people who are not clients.	140 TL
Money Transfers to Domestic Banks	Investments to client accounts between banks	No Fee
Money Transfers to Domestic Banks	–	OUTGOING Personal TL (0,2% Commission Minimum 40 TL – Maximum 700 TL)Personal FC (0,2 % Commission Minimum 3 FC – Maximum 70 FC)Commercial TL (0,2% Commission Minimum 70 TL – Maximum 1400 TL)Commercial FC (0,2% Minimum 7 FC – Maximum 140 FC) Internet banking and personnel are exempted INCOMING No Fee
Money Transfers to Domestic Banks	–
Money Transfers to Overseas Banks	Outgoing Money Transfers – TL	0,30% (Min 15 TL) + 15 TL (Communication Fee) + 3% BSİV For Personnel 0,3% Commission Fee + 3% BSIV For little amounts, min. 2TL + 3% BSIV
Money Transfers to Overseas Banks	Outgoing Money Transfers – FC	0,70% Equivalent FC (Min. 15TL equivalent FC) + 16 TL (Communication Fee) + 14 TL (Internet Fee) + 3% BSIV (equivalent FC) For Personnel 0,3% Commission Fee + 3% BSIV For little amounts, min. 2TL + 3% BSIV
Money Transfers to Overseas Banks	Incoming Money Transfers – TL	0,1% (Min 15 TL)+3 % BSİV For Personnel 0,3% Commission Fee + 3% BSIV For little amounts, min. 2TL + 3% BSIV
Money Transfers to Overseas Banks	Incoming Money Transfers – FC	0,3% (Min 3 EUR/GBP/USD) +%3 BSİV For Personnel 0,3% Commission Fee + 3% BSIV
Money Transfers to Overseas Banks	TRL Outgoing Money Transfers (0.01-10.000,00)	5 TL	Corresponding Bank Fee to be paid for the client to receive the exact amount.
Money Transfers to Overseas Banks	TRL Outgoing Money Transfers (10.000,01-50.000,00)	10 TL	Corresponding Bank Fee to be paid for the client to receive the exact amount.
Money Transfers to Overseas Banks	TRL Outgoing Money Transfers (50.000,01-100.000,00)	15 TL	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	TRL Outgoing Money Transfers (100.000,01-250.000,00)	20 TL	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	TRL Outgoing Money Transfers (250.000,01-500.000,00)	25 TL	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	TRL Outgoing Money Transfers (500.000,01 – 1.000.000,00)	35 TL	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	TRL Outgoing Money Transfers (1.000.000,01 and higher)	55 TL	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	EUR Outgoing Money Transfers (Germany) (0.01-25.000,00)	30 EUR	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	EUR Outgoing Money Transfers (Germany) (25.000,01-100.000,00)	40 EUR	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	EUR Outgoing Money Transfers (Germany) (100.000,01-500.000,00)	50 EUR	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	EUR Outgoing Money Transfers (Germany) (500.000,01 and higher)	60 EUR	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	EUR Outgoing Money Transfers (outside of Germany) (0.01-25.000,00)	30 EUR	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	EUR Outgoing Money Transfers (outside of Germany) (25.000,01-100.000,00)	50 EUR	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	EUR Outgoing Money Transfers (outside of Germany) (100.000,01-500.000,00)	70 EUR	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	EUR Outgoing Money Transfers (outside of Germany) (500.000,01 and higher)	90 EUR	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	GBP Outgoing Money Transfers (England) (0.01-10.000,00)	15 GBP	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	GBP Outgoing Money Transfers (England) (10.000,01-100.000,00)	20 GBP	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	GBP Outgoing Money Transfers (England) (100.000,01-1.000.000,00)	25 GBP	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	GBP Outgoing Money Transfers (England) (1.000.000,01 and higher)	30 GBP	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	GBP Outgoing Money Transfers (outside of England) (0.01-10.000,00)	20 GBP	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	GBP Outgoing Money Transfers (outside of England) (10.000,01-100.000,00)	25 GBP	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	GBP Outgoing Money Transfers (outside of England) (100.000,01-1.000.000,00)	30 GBP	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	GBP Outgoing Money Transfers (outside of England) (1.000.000,01 and higher)	40 GBP	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	GBP Outgoing Money Transfers (England, student) (0.01-100,00)	3 GBP	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	GBP Outgoing Money Transfers (England, student) (100,01-500,00)	7 GBP	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	GBP Outgoing Money Transfers (England, student) (500,01-1.000,00)	8 GBP	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	GBP Outgoing Money Transfers (England, student) (1.000,01-10.000,00)	9 GBP	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	USD Outgoing Money Transfer (0.01-10.000,00)	15 USD	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	USD Outgoing Money Transfer (10.000,01-100.000,00)	20 USD	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	USD Outgoing Money Transfer (100.000,01-1.000.000,00)	25 USD	Bank Fee to be paid for the client to receive the exact amount
Money Transfers to Overseas Banks	USD Outgoing Money Transfer (1.000.000,01 and higher)	30 USD	Bank Fee to be paid for the client to receive the exact amount
UPT (Easy Money Transfers)	Receiving Country – Amount range	Changes may occur according to the receiving country and the amount range, UPT’s current tariff is applied.
Moneygram Money Transfers	Receiving Country – Amount range	Changes may occur according to the receiving country and the amount range, Moneygram’s current tariff is applied.

Cheque Expense Fees

CHEQUE EXPENSE FEES
Service Description	Detailed Explanation	Commission Fee Tariff	Notes
Cheque Books	10 sheet cheque books	285 TL
Cheque Books	25 sheet cheque books	425 TL
Cheque Books	50 sheet cheque books	850 TL
Cheque Books	For 5*50-sheet block sales	Changes as per the agreement with the client
Domestically Written Cheques	Cashed over TL	285 TL
Domestically Written Cheques	Cashed over FC	285 TL (Equivalent FC)
Cashing Cheques of other branches by real persons or legal entities.		142 TL (Equivalent FC) for each cheque + BSİV

Bank Statements

BANK STATEMENTS
Service Description	Detailed Explanation	Commission Fee Tariff	Notes
Bank Statement Fee	Additional bank statements requested by our clients other than the statements that Limasol Türk Kooperatif Bankası regularly submits once in three months.	5 TL for each line enlisted on the additional bank statements requested by our clients other than the statements that Limasol Türk Kooperatif Bankası regularly submits once in three months.	Bank Statement Fee is charged after 5 lines at minimum.

Safe-Deposits

SAFE-DEPOSITS
Service Description	Detailed Explanation	Commission Fee Tariff	Notes
Safe Deposits (Annual)	Small Safe Deposits	80 GBP	Annually or for of part
Safe Deposits (Annual)	Big Safe Deposits	90 GBP	Annually or for of part
Deposit	One-time-only	For small safe deposits 80 GBP For big safe deposits 90 GBP	In case a renewal date is set, current client will be charged deposit fees as well.

Account Maintenance Fees

HESAP İŞLETİM ÜCRETLERİ
Service Description	Detailed Explanation	Commission Fee Tariff	NOTE
Checking Accounts	TL	2,00 TL per operation, 0,600% ave. Commission fee 750.000 TL max charged over balance due.
Checking Accounts	TL (Customers receiving special service)	2,00 TL per operation, 0,600% ave. Commission fee 750.000 TL max charged over balance due. (140 TL from real person customers every three months)
Checking Accounts	FC	2,00 TL per operation, 0,600% ave. Commission fee 750.000 TL max charged over balance due.
Drawing Account Maintenance Fee	Personal TL	140 TL in every three months from real person clients (70 TL if a real person has more than one accounts)	A discount of 50% of the account maintenance fee will be applied to the current deposit accounts (the account from which only the salaries come) of individual customers whose salaries come to our bank (including all salary directives such as public + private etc.) until 31.12.2024 (including this date).
Drawing Account Maintenance Fee	Personal TL (Customers receiving special service)	280 TL in every three months from real person clients (140 TL if a real person has more than one accounts)
Drawing Account Maintenance Fee	Commercial TL	210 TL in every three months from commercial clients (105 TL if a real person has more than one accounts)
Drawing Account Maintenance Fee	Commercial TL (Customers receiving special service)	420 TL in every three months from commercial clients (210 TL if a real person has more than one accounts)
Drawing Account Maintenance Fee	Personal FC	140 TL equivalent FC in every three months from real person clients (70 TL equivalent FC if a real person has more than one accounts)
Drawing Account Maintenance Fee	Commercial FC	210 TL equivalent FC in every three months from commercial clients (105TL equivalent FC if a real person has more than one accounts)

POS Fees

POS FEES
Service Description	Detailed Explanation	Commission Fee Tariff	NOTE
POS Mobile Fee	Monthly	20 TL
Member Business Place Service Fee and Insurance Fee (From the Business Place)	Monthly	300 TL
Ineffectiveness Fee	Collected upon the evaluation of the monthly endorsement.	250 TL	Collected on a monthly basis. (Collected from member business places with 2.000 TL or lower monthly endorsement).
Virtual POS Installation Fee	For Once Only	200 USD
Virtual POS Maintenance Fee	Monthly	20 USD
POS Maintenance Service Income	Monthly charged for each working POS device.	20 TL

Credit Card Fees

CREDIT CARDS
Service Description	Detailed Explanation	Commission Fee Tariff	NOTE
BASIC CARD		NONE
Gold Credit Card		500 TL
ElitCard Credit Card		600 TL
ElitCardVIP Credit Card		700 TL
Kurumsal Credit Card		750 TL
Card Printing / Card Closing Fee	Under All Conditions	Depending on the card type, a fee equal to the annual card fee will be charged. Card printing fee is requested at the beginning of the month following the month in which the card was first printed.
Statement Fee	The fee charged if a statement is sent to the customer’s address	25 TL

Debit Card Fees

DEBIT CARD FEES
Service Description	Detailed Explanation	Commission Fee Tariff	Note
Paralim (International Bank Card)	–	NONE
Paralim (International Bank Card)	Renewal upon customer request before maturity (lost, stolen, etc…)	500 TL

Loan Rates

LOAN RATES

Please follow www.limasolbank.com.tr fort he most updated and detailed information regarding the loans.

Credit Card Interest Rates

CREDIT CARD INTEREST RATES
Service Description	Detailed Explanation	Commission Fee Tariff	Note
Contractual Interest (Shopping Interest)		%4,11	Subject to be revised as per the rates defined by the Central Bank of TRNC
Overdue interest		%4.61	Subject to be revised as per the rates defined by the Central Bank of TRNC
Cash Advance Withdrawal Interest		%4,11	Subject to be revised as per the rates defined by the Central Bank of TRNC
Cash Advance Withdrawal Fee		20 TL
Cash Advance Withdrawal Commission Fee		%5
Limit Exceeding Fee		This rate is 0% for credit cards other than of the company. Company cards rate is 3%.
Limit Exceeding Fee		%4,11	Subject to be revised as per the rates defined by the Central Bank of TRNC
Minimum Payment Rate		%20	Subject to be revised as per the rates defined by the Central Bank of TRNC
Cash Advance Fee		20 TL Fixed Fee + 5% Cash Operation Commission + %4,11 Cash Advance Interest Rate
Cash Advance in Instalments Fee	(2 to 6 Instalments)	10 TL Fixed Fee + 12% Cash Operation Commission + %4,11 Cash Advance Interest Rate
Cash Advance in Instalments Fee	(7 to 12 Instalments)	10 TL Fixed Fee + 20% Cash Operation Commission + %4,11 Cash Advance Interest

Retroactive Archives Research / Document Fees

RETROACTIVE ARCHIVES RESEARCH / DOCUMENT FEES
Service Description	Detailed Explanation	Commission Fee Tariff	NOTES
Retroactive Document Fees	Each retrospective; printing receipts, issuing retrospective document copies such as contract, transaction receipt, tax collection receipt, document copy, premium collection receipt, etc. from the archive	140 TL

Returned Cheque Fees

RETURNED CHEQUE FEES
Service Description	Detailed Explanation	Commission Fee Tariff	NOTES
Domestic Returned Cheques in TL (Incoming / Outgoing Returns)	Incoming / Outgoing Returns	Incoming 285 TL/ Outgoing Returns 350 TL
Domestic Returned Cheques in FC (Incoming / Outgoing Returns)	Incoming / Outgoing Returns	Incoming 285 TL (Equivalent FC)/ Outgoing Returns 350 TL (Equivalent FC)
Expenditure on returned cheques sent foreign banks for transactions	Fees on Returned Cheques That are Sent to Foreign Banks for Transactions	285TL per cheque sheet

Discount Cheque Fees

DISCOUNT CHEQUE FEES
Service Description	Detailed Explanation	Commission Fee Tariff	NOTES
TL Discounts (Maximum 3 Months)		2% + 150 TL intelligence fee on each check amount
FC Discounts (Maximum 3 Months)		2% + 150 TL equivalent foreign currency intelligence fee on each check amount

Overseas Cheque Collection Fees

OVERSEAS CHEQUE COLLECTION FEES
Service Description	Detailed Explanation	Commission Fee Tariff	NOTES
Cheques for Overseas Collection Purpose	TL	0.5% (Five per thousand) on the Check Amount without any distinction in TL / FC and Minimum 285 TL (Equivalent Foreign Exchange) + BSIV
Cheques for Overseas Collection Purpose	USD
Cheques for Overseas Collection Purpose	GBP
Cheques for Overseas Collection Purpose	EUR
Cheques and Transactions Assigned for South Cyprus	Pay Cheques	28 EUR + BSIV
Cheques and Transactions Assigned for South Cyprus	Salaries / Wages Paid via EFT	11 EUR + BSIV
Expenditure to be charged for our bank’s cheques to be paid by Garanti Bankası		0,7% Commission + 5 TL PTT + 3 TL APS + BSIV + Corresponding Ban Fee
Expenditure to be charged for our bank’s cheques to be paid by Vakıfbank		0,7% Commission + 5 TL PTT + 3 TL APS + BSIV

Other Fees

OTHER FEES
Service Description	Detailed Explanation	Commission Fee Tariff	NOTES
Expertise Fee	Depends on the location and the place to be appraised.	Personal 1.400TL + Expertise Fee Commercial 2.800TL + Expertise Fee	Expertise invoice will be issued on behalf of the bank and the total fee will be requested from the client during the loan assessment.
UBAN Request Letter		70 TL
Letter of Credit (Turkish)		280 TL
Letter of Credit (English)		350 TL
Motor vehicles exit permissions (Motor vehicles under the bank pledge as collateral)		850 TL
Loan Related Mortgage Change		850 TL per each deed operation
Salary Routing / Exit Letter		The letters indicating that the client has no debts are free of charge.
Mortgage Cancellation Fee		850 TL per each deed operation
Partial Mortgage Termination and/or Collateral Change Fees		For Partial Mortgage Termination and/or Collateral Change Transactions; provided that there is no weakness between the interest-bearing balance of the loan and the collateral ratio after the release of the immovables (collaterals) taken as collateral for the loan, the loan collateral margin is 0.002% over the remaining interest-bearing balance of the loan for each stub, minimum TL 4.250 and maximum TL 6.350 will be applied. However, partial terminations in connection with transactions that increase the collateral value are exempt from the amounts and rates stipulated above. the amount will be applied as 1000 TL.
Letters and documentation issued by the branches		280 TL
Early Closing Commission for Fixed Term Loans		No early closing commission will be charged for legal loans. An early closing commission will not be applied to loans granted before October 12, 2020, and an early closing commission will be applied to individual loans granted after the relevant date, within the framework of the following conditions. CONSUMER LOANS EARLY PAYMENT COMPENSATION: In case of a request for early payment in the first twelve months of fixed-term loans with variable interest rates and in case of early repayment of loans with fixed interest rates, the consumer has the right to receive compensation for possible costs directly linked to the early repayment of the loan. The amounts of early repayment made by the consumer within each twelve-month period, Compensation cannot be received from a portion not exceeding twenty (20) times the monthly minimum wage. • Fixed Term Loans; Variable Interest Rate For the first 12 months, during which interest is fixed, compensation cannot be received from the portion of the early repayment amounts that does not exceed twenty (20) times the monthly minimum wage. Fixed Interest No compensation can be received from the part of the early repayment amounts for the first 12 months that does not exceed twenty (20) times the monthly minimum wage. The compensation that the organization can receive from the part of the early repayment amounts made by the consumer that exceeds twenty (20) times the minimum wage is a maximum of 1% (percentage) of the early repaid loan amount if the period between the early repayment date and the maturity date written in the loan agreement exceeds one year. one). If the period between the early repayment date and the maturity date written in the loan agreement does not exceed one year, the maximum amount is 0.5% (five thousandths) of the early repaid loan amount. The Compensation Amount cannot, in any case, exceed the Interest Amount Envisaged to be Paid in the Period Between the Early Repayment Date and the Maturity End Date Written in the Loan Agreement.
Sale of Shares		Specified by an updated Executive Board decision.
Entrance Fees		5% of the Gross Legal Minimum Wage.
The application to be made to persons who are not customers of our Bank in invoice collections made at the counter	For collections from the counter, only in the event that the invoice holder does not have an account relationship with our Bank and/or is only a target customer, a transaction fee of 18.00 TL will be charged for the invoice collections of the institutions detailed below. Yeniboğaziçi Municipality Çatalköy – Esentepe Municipality. Lefke Municipality. Gönyeli – Alayköy Municipality. Lapta – Alsancak – Çamlıbel Municipality. Değirmenlik – Akıncılar Municipality. Iskele Municipality. Dikmen Municipality. Beyarmudu Municipality. Geçitkale – Serdarlı Municipality. Nicosia Turkish Municipality. Guzelyurt Municipality Kyrenia Municipality Eastern Mediterranean University.	18,00 TL	For collections at the counter, only if the invoice holder does not have an account relationship with our Bank and/or is only a target customer, the invoice collections of the institutions detailed below will not be made. KKTCELL Digitech KIBTEK Vodafone Telephone Office Famagusta Municipality

Note: 3% BSIV will be charged additionally to all expenditure / commission columns specified otherwise. For detailed information on our fees for any unlisted products or operations, please feel free to contact our Branches.

LETTER OF GUARANTEE FEES