INDIVIDUAL PENSION AGREEMENT

Contract Date: [Day/Month/Year]
Contract No: [Contract Number]

This Individual Retirement Savings Agreement has been drawn up between the parties whose details are provided below, in accordance with the provisions of Law No. 4632 on the Individual Retirement Savings and Investment System and related legislation

1. PARTIES

Pension Company (the Company):

Title: [Name of Pension Company]
Tax Number: [Company Tax Number]
Address: [Company Address]
Phone: [Company Phone Number]
Email: [Company Email Address]

Participant (Individual Retirement Account Holder):

Name and Surname: [Participant's Name and Surname]
Turkish Republic Identity Number: [XXXXXXXXX]
Date of Birth: [Day/Month/Year]
Address: [Participant's Address]
Phone: [XXXXXXXXX]
Email: [XXXXXXXXX]

The parties will hereinafter "the Company" and "the Participant" .

2. SUBJECT OF THE AGREEMENT

This agreement concerns the Participant's inclusion in the individual retirement system, the terms of contribution payments, the selection of investment instruments , and retirement conditions .

3. CONTRIBUTION FEE AND PAYMENT PRINCIPLES

3.1 Contribution Amount and Payment Period The participant undertakes to pay contributions in monthly/quarterly/annual periods to participate in the individual retirement system

Contribution Amount: [XXX] TL
Payment Period: [Monthly / Quarterly / Annually]
Payment Method: [Bank Transfer / Automatic Payment / Credit Card]

3.2 Government Contribution and Tax Advantages Government contributions will be applied to the contributions paid by the participant, in accordance with current legislation . To be eligible for the government contribution, the participant must remain in the individual retirement system for at least three years

4. RETIREMENT AND FUND MANAGEMENT

4.1 Eligibility Requirements for Retirement Participants will be eligible for retirement if they remain in the individual retirement system for at least 10 years and reach the age of 56

4.2 Fund Selection and Investment Instruments
Participants may choose their retirement funds from the following options:

Low-Risk Funds (Government Bonds, Deposits, Liquid Funds)
Medium Risk Funds (Equity Funds, Mixed Funds)
High-Risk Funds (Foreign Currency Funds, Stock Market Index Funds)

Participants may change their allocated fund distribution a maximum of six times .

5. TERMINATION OF THE AGREEMENT AND THE RIGHT OF WITHDRAWAL

5.1 Right of Withdrawal
this agreement within 60 days of signing it, without giving any reason, and receive a refund of the contributions paid.

5.2 Withdrawal from the System and Payment Conditions
a participant before completing the 10-year period , they will not be able to fully benefit from the government contribution, and tax deductions may be applied at the time of withdrawal.

Tax Withholding in Case of System Withdrawal: [The applicable tax rate will be specified according to legislation]

6. RIGHTS AND OBLIGATIONS OF THE PARTIES

6.1 Company Responsibilities

To manage participants' individual retirement accounts transparently.
To process fund allocation change requests as quickly as possible.
To keep the participant regularly informed about fund performance.

6.2 Participant's Responsibilities

Paying the specified contributions on time.
Choosing funds in accordance with the company's established rules.
Inform the company of any changes to your address, contact, or identity information.

7. RESOLUTION OF DISPUTES

Disputes arising from this contract shall primarily be sought to be resolved through negotiation between the parties. In the event that disputes cannot be resolved between the parties, the Insurance Arbitration Commission and the [City] Courts shall have jurisdiction.

8. FINAL PROVISIONS

This agreement [X] copies and has been read and mutually signed by the parties.
The contract enters into force upon signature by both parties.
In matters not regulated in this contract, of Law No. 4632 on Individual Pension Schemes and related legislation shall apply.

PENSION COMPANY (COMPANY)
Title: [Company Name]
Authorized Person: [Authorized Person's Name]
Signature: __________

PARTICIPANT (CUSTOMER)
Name-Surname: [Participant's Name]
Turkish Republic Identity Number: [XXXXXXXXX]
Signature: __________

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INDIVIDUAL PENSION AGREEMENT