Consumer Law

THURSDAY, NOVEMBER 28, 2013

Official newspaper Number : 28835 LAW LAW ON CONSUMER PROTECTION

Law No. 6502                                                                                              Accepted Date: 7/11/2013

PART ONE

Purpose, Scope and Definitions Aim ARTICLE 1 - (1) The purpose of this Law; To take measures to protect the health and safety and economic interests of the consumer in accordance with the public interest, to compensate for their losses, to protect them from environmental hazards, to enlighten and raise awareness of the consumer, to encourage the initiatives of consumers to protect themselves and to encourage voluntary organizations in the formation of policies on these issues. Scope ARTICLE 2 - (1) This Law covers all kinds of consumer transactions and consumer-oriented practices. Definitions

ARTICLE 3 - (1) In the implementation of this Law; a) Minister: Minister of Customs and Trade, b) Ministry: The Ministry of Customs and Trade, c) General Manager: General Manager of Consumer Protection and Market Surveillance, ç) General Directorate: General Directorate of Consumer Protection and Market Surveillance, d) Service: The subject of any consumer transaction other than providing goods made or promised to be performed in return for a fee or benefit, e) Importer: The natural or legal person, including public legal entities, who imports the goods or services or the raw materials or intermediate goods of these goods for commercial or professional purposes and puts them on the market through sales, rental, financial leasing or similar means, f) Permanent data storage: short message, e-mail, internet, disc, CD, DVD, which ensures that the information sent by the consumer or sent to him is recorded in a way that allows the examination of this information for a reasonable period of time in accordance with its purpose and that it is copied without changing it and that this information can be accessed exactly. memory card and any similar tools or media, g) Housing finance institution: Banks that directly provide loans to consumers or make financial leasing within the scope of housing finance, and financial leasing companies and finance companies that are approved by the Banking Regulation and Supervision Agency to engage in housing finance activities, ğ) Lender: The real or legal person authorized to give credit to consumers as per the legislation, h) Goods: The subject of the trade; movable goods, immovable properties for residence or holiday purposes, and software, audio, video and all kinds of similar intangible goods prepared for use in electronic environment, ı) Provider: Real or legal person, including public legal entities, who provides services to the consumer for commercial or professional purposes or acts on behalf of or on behalf of the service provider, i) Seller: A natural or legal person who offers goods to the consumer for commercial or professional purposes, or acts on behalf of or on behalf of the supplier, including public legal entities, j) Technical regulation: The definition in the Law on the Preparation and Implementation of the Technical Legislation Regarding the Products dated 29/6/2001 and numbered 4703, k) Consumer: Real or legal person acting for non-commercial or non-professional purposes, l) Consumer transaction: Established between consumers and real or legal persons acting for commercial or professional purposes, including public legal entities in goods or services markets, and consumers, such as work, transportation, brokerage, insurance, proxy, banking and all kinds of contracts and legal transactions, including similar contracts, m) Consumer organizations: Associations, foundations or their superior organizations established for the purpose of consumer protection, n) Producer: Those who produce the goods offered to the consumer or the raw materials or intermediate goods of these goods, including public legal entities, and the natural or legal person who shows himself as a producer by placing his trademark, title or any distinctive sign on the goods, means.

PART TWO General Principles basic principles ARTICLE 4 - (1) Contracts and notifications envisaged to be written in this Law shall be arranged in at least twelve font size, in an understandable language, in a clear, plain and legible manner, and a copy of these shall be given to the consumer on paper or in a permanent data storage. In the absence of one or more of the conditions that should be included in the contract, the deficiency does not affect the validity of the contract. This shortcoming is immediately remedied by the organizer of the contract. (2) The conditions stipulated in the contract cannot be changed against the consumer during the contract period. (3) From the consumer; No additional cost can be claimed for the acts that are rightly expected to be made within the scope of the goods or services offered to him, and which are among the legal obligations of the organizer of the contract, and for the expenses incurred by the organizer for his own benefit. In products or services offered to consumers by banks, consumer loan lending financial institutions and card issuing institutions, all kinds of fees, commissions and expenses other than interest, and the procedures and principles regarding them, in accordance with the spirit of this Law and in a way that protects the consumer, by taking the opinion of the Ministry. and determined by the Supervisory Authority. (4) It is obligatory to provide the consumer with written information on all kinds of fees and expenses to be demanded from the consumer pursuant to the contracts regulated in this Law, as an annex to the contract. In contracts concluded with a remote communication tool, this information is given in accordance with the remote communication tool used. The proof that this information has been given to the consumer belongs to the person who issued the contract. (5) Due to the transactions made by the consumer, only the registered deed can be issued separately for each installment payment. Promissory notes issued in violation of the provisions of this paragraph are invalid for the consumer. (6) In consumer transactions, personal guarantees received in return for the consumer's actions are considered ordinary guarantees under any name. Personal guarantees given by the other party regarding the receivables of the consumer are considered joint surety unless otherwise provided in other laws. (7) Compound interest is not applied in consumer transactions, including in case of default. (8) This Law also covers participation banks in terms of all its regulations. The application is made by considering the profit share. Unfair terms in consumer contracts

ARTICLE 5 - (1) Unfair condition; are the terms of the contract that are included in the contract without negotiating with the consumer and that cause an imbalance in the rights and obligations of the parties arising from the contract, contrary to the rule of good faith, to the detriment of the consumer. (2) Unfair terms in the contracts concluded with the consumer are strictly null and void. The provisions of the contract other than unfair terms remain valid. In this case, the organizer of the contract cannot claim that he would not have concluded the contract with other provisions if there were no conditions deemed to be null and void. (3) If a contract condition has been prepared in advance and has not been able to affect the consumer's content because it is included in the standard contract, it is considered that that contract condition has not been negotiated with the consumer. If the issuer of the contract claims that a standard condition has been negotiated individually, he has to prove it. If it is concluded from the evaluation of the contract as a whole that it is a standard contract, the negotiation of certain elements or an individual provision of a condition in this contract does not prevent the application of this clause to the remainder of the contract. (4) If the terms of the contract are in writing, a clear and understandable language that the consumer can understand must be used. If a provision in the contract is not clear and understandable or has more than one meaning; this provision is interpreted in favor of the consumer. (5) Regardless of their qualifications, the provisions of this article shall apply to contracts drawn up by persons or institutions that carry out their activities with the permission granted by law or authorized authorities. (6) The unfairness of a contract clause; The nature of the good or service that is the subject of the contract is determined according to the moment of establishment of the contract, taking into account the conditions existing at the establishment of the contract and the other provisions of the contract or the provisions of another contract to which the unfair term is related. (7) In the assessment of the unfairness of the terms of the contract, an assessment cannot be made regarding the balance between both the essential performance obligations arising from the contract and the market value of the goods or services and the price determined in the contract, provided that these terms are written in a clear and understandable language. (8) The Ministry shall take the necessary measures to remove the unfair terms in the contracts prepared for general use from the contract texts or to prevent their use. (9) The procedures and principles regarding the detection and inspection of unfair terms and the terms of the contract, which are considered to be unfair terms without limitation, shall be determined by regulation. Avoidance of sale

ARTICLE 6 - (1) Goods displayed on the showcase, on the shelf, electronically or in any other clearly visible place cannot be avoided unless there is a statement stating that they are not for sale. (2) Providing services cannot be avoided without a justified reason. (3) Those acting for commercial or professional purposes; to the contrary, unless there is a custom, commercial custom, or justifiable reason; may not bind the sale of a good or service to conditions such as the quantity, number, size determined by him or to the purchase of another good or service. (4) Ministries and municipalities are responsible for carrying out the works related to the implementation and monitoring of the provisions of this article. Goods or services not ordered ARTICLE 7 - (1) In case of sending unordered goods or providing services, no right can be claimed against the consumer. In these cases, the consumer's silence or the fact that he has used the goods or services cannot be interpreted as a declaration of acceptance for the conclusion of the contract. The consumer has no obligation to return or preserve the goods. (2) Whoever claims that a good or service has been ordered is obliged to prove this claim. PART THREE

Defective Goods and Services FIRST PART Defective Goods defective goods ARTICLE 8 - (1) Defective goods are goods that are in violation of the contract at the time of delivery to the consumer, since they do not conform to the sample or model agreed by the parties or do not have the characteristics that they should have objectively. (2) Does not carry one or more of the features included in its packaging, label, introduction and user manual, internet portal or advertisements and announcements; contrary to the quality declared by the seller or determined in its technical regulation; Goods containing material, legal or economic deficiencies that do not meet the intended use of the equivalent goods, reduce or eliminate the benefits reasonably expected by the consumer are also considered defective. (3) Failure to deliver the goods subject to the contract within the time agreed in the contract or not to assemble it properly in cases where the assembly is carried out by or under the responsibility of the seller is considered as a performance contrary to the contract. In cases where the assembly of the goods is foreseen by the consumer, if the assembly is made incorrectly due to a mistake or defect in the assembly instruction, performance against the contract will be in question. Liability for defective goods ARTICLE 9 - (1) The seller is obliged to deliver the goods to the consumer in accordance with the sales contract. (2) The seller shall not be bound by the content of the disclosure if he proves that he is not aware of and cannot be expected to be aware of the statements made through advertisements that do not originate from him, or that the content of the explanation made was corrected at the time of the conclusion of the sales contract or that the decision to form a sales contract is not in a causal link with this explanation. burden of proof

ARTICLE 10 - (1) Defects that appear within six months from the delivery date are deemed to have existed on the delivery date. In this case, the proof that the goods are not defective belongs to the seller. This presumption does not apply if it is incompatible with the nature of the good or the defect. (2) In cases where the consumer is aware of the defect or is expected to be aware of the defect at the date of the conclusion of the contract, there is no breach of the contract. Consumer's optional rights are reserved against defects other than these. (3) A label containing explanatory information regarding the defect of the goods shall be placed on the defective goods to be sold or on their packaging by the manufacturer, importer or seller in a way that the consumer can easily read. It is obligatory to give this label to the consumer or to clearly show the descriptive information about the defect on the invoice, receipt or sales document given to the consumer. Products that do not comply with the technical regulations cannot be placed on the market in any way. The provisions of the Law on the Preparation and Implementation of the Technical Legislation Regarding the Products and other relevant legislation shall apply to these products. Consumer's optional rights ARTICLE 11 - (1) In case the goods are found to be defective, the consumer; a) Withdrawing from the contract by declaring that it is ready to return the sold item, b) Withholding the sold item and requesting a discount from the sales price at the defect rate, c) If it does not require an excessive expense, to request free repair of the sold item at the seller's expense, ç) If possible, requesting that the sold product be replaced with a non-defective one, may use one of the options. The seller is obliged to fulfill this demand preferred by the consumer. (2) The right of free repair or replacement of the product with a non-defective one can also be used against the manufacturer or the importer. The seller, the manufacturer and the importer are jointly and severally liable for the fulfillment of the rights in this paragraph. The manufacturer or the importer is not held responsible if he proves that the defect has arisen after the product has been put on the market by him. (3) In the event that free repair or replacement of the goods with a non-defective one would cause disproportionate difficulties for the seller, the consumer may use one of the rights to withdraw from the contract or to reduce the price at the rate of the defect. In the determination of the disproportion, the issues such as the value of the goods without defects, the importance of the defect and whether the application for other optional rights will pose a problem for the consumer are taken into account. (4) In case one of the right to free repair or replace the goods with a non-defective one is chosen, this request must be fulfilled within a maximum of thirty business days from the date of the request to the seller, manufacturer or importer, and within sixty business days for residential and holiday immovables. However, the consumer's request for free repair regarding the goods included in the list annexed to the regulation issued pursuant to Article 58 of this Law shall be fulfilled within the maximum repair period determined in the regulation. Otherwise, the consumer is free to use other optional rights. (5) In cases where the consumer chooses the right to withdraw from the contract or reduce the defect rate, the entire price paid or the amount of the discount made from the price is immediately returned to the consumer. (6) All costs incurred due to the exercise of optional rights are borne by the party fulfilling the right chosen by the consumer. Along with one of these optional rights, the consumer may also demand compensation in accordance with the provisions of the Turkish Code of Obligations dated 11/1/2011 and numbered 6098. Time out

ARTICLE 12 - (1) Unless a longer period is determined in the law or in the contract between the parties, liability for the defective goods is subject to a two-year statute of limitations from the date of delivery of the goods to the consumer, even if the defect has emerged later. This period is five years from the delivery date of the immovable property for residential or vacation purposes. (2) Without prejudice to the third paragraph of Article 10 of this Law, the seller's liability for defective goods cannot be less than one year in second-hand sales, and three years in residential or holiday immovable properties. (3) If the defect is concealed by gross fault or fraud, the statute of limitations does not apply. SECOND PART Defective Services Defective service ARTICLE 13 - (1) A defective service is a service that is contrary to the contract because it does not start within the time specified in the contract or because it does not have the features agreed by the parties and which it should have objectively. (2) Services that do not have the features reported by the service provider, in the internet portal or in its advertisements and announcements, or that contain material, legal or economic deficiencies that reduce or eliminate the value for the purpose of benefiting or the benefits that the consumer reasonably expects from it are defective. Liability for defective service ARTICLE 14 - (1) The Provider is obliged to perform the service in accordance with the contract. (2) The Provider shall not be bound by the content of the disclosure if it proves that it is not aware of and cannot be expected to be aware of the statements made through advertisements that do not originate from it, or that the content of the statement was corrected at the date of establishment of the service agreement or that the decision to establish a service agreement does not contain a causal link with this statement. Consumer's optional rights ARTICLE 15 - (1) In cases where the service is rendered defective, the consumer is free to use one of his rights against the supplier, such as re-seeing the service, free repair of the work resulting from the service, discounting the price at the rate of the defect, or returning from the contract. The provider is obliged to fulfill this demand preferred by the consumer. All costs incurred due to the exercise of optional rights are borne by the provider. Along with one of these optional rights, the consumer may also claim compensation in accordance with the provisions of the Turkish Code of Obligations. (2) The consumer cannot exercise these rights if the free repair or re-opening of the service will bring disproportionate difficulties for the provider. In the determination of the disproportion, issues such as the non-defective value of the service, the importance of the defect and whether or not applying for other optional rights will pose a problem for the consumer are taken into account. (3) In cases where the consumer chooses the right to withdraw from the contract or reduce the defect rate, the entire price paid or the amount discounted from the price is immediately returned to the consumer. (4) In cases where free repair or re-service is chosen, this request is fulfilled by the provider within a reasonable period of time and in a way that does not cause serious problems for the consumer, considering the nature of the service and the purpose of the consumer to benefit from this service. In any case, this period cannot exceed thirty working days from the date of the request to the provider. Otherwise, the consumer is free to use other optional rights. Time out ARTICLE 16 - (1) Unless a longer period is determined in the law or in the contract between the parties, liability for defective service is subject to a two-year statute of limitations from the date of performance of the service, even if the defect arose later. (2) If the defect is concealed by gross fault or fraud, the statute of limitations does not apply.

PART FOUR Consumer Contracts FIRST PART Sale in Installments Installment sales contracts ARTICLE 17 - (1) Installment sales contracts are contracts in which the seller or supplier undertakes the delivery of the goods or the performance of the service, and the consumer pays the price partly. (2) The provisions of this Section shall also apply to financial leasing contracts where the consumer is obliged to acquire the ownership of a good at the end of the lease term. (3) The installment sales contract shall not be valid unless it is established in writing. The seller or supplier, who has not concluded a valid contract, cannot later claim the invalidity of the contract to the detriment of the consumer. right of withdrawal ARTICLE 18 - (1) The consumer has the right to withdraw from the sales contract in installments within seven days without giving any reason and without paying any penalty. (2) It is sufficient that the notification regarding the exercise of the right of withdrawal is addressed to the seller or supplier within this period. The seller or the provider is obliged to prove that the consumer has been informed about the right of withdrawal. (3) If the seller has delivered the goods to the consumer within the withdrawal period, the consumer may use the goods only to the extent required by an ordinary review; otherwise, the consumer cannot use the right of withdrawal. Before the expiry of the right of withdrawal, the consumer cannot use the right of withdrawal in the service contracts where the performance of the service is started with the approval of the consumer. (4) The right of withdrawal cannot be exercised in financial leasing transactions where the consumer finds the seller. default ARTICLE 19 - (1) In the case of the consumer's default in payment of the installments in the installment sales contracts, if the seller or the supplier has reserved the right to demand the performance of all the remaining debt, this right can only be obtained if the seller or the supplier has performed all of his actions, and the consumer is responsible for at least one-tenth of the remaining debt. It can be used in case of default in paying at least two consecutive installments or an installment constituting at least one fourth of the remaining debt. In order for the seller or the supplier to exercise this right, it is obligatory to give the consumer at least thirty days and give a warning of maturity. (2) Interest, commission and similar expenses are not taken into account in the calculation of the installments made due. Early payment ARTICLE 20 - (1) The consumer may pay the total amount owed in advance, or may make one or more undue installments. In both cases, the seller or the provider is obliged to make all the necessary interest and commission deductions according to the amount paid in cases where it receives interest or commission. Other considerations ARTICLE 21 - (1) The provisions of the Turkish Code of Obligations to sell in pre-paid installments shall apply to contracts in which the consumer undertakes to pay the sales price of a movable good in part in advance, and the seller undertakes to deliver the goods to the consumer after the full payment of the price, and the payment period is longer than one year or is uncertain. (2) The mandatory content of the contract, the rights and obligations of the consumer, the seller and the supplier, the right of withdrawal, early payment and the procedures and principles regarding other matters are determined by a regulation.

SECOND PART Consumer Loans consumer loan agreements ARTICLE 22 - (1) Consumer loan agreement refers to the agreement in which the creditor gives credit or undertakes to give credit to the consumer in return for interest or a similar benefit, through the deferral of payment, lending or similar financing forms. (2) Credit card contracts are considered as consumer loan contracts in case the payment is postponed for more than three months in return for interest or a similar benefit, or if the opportunity to pay in installments is similarly provided. However, the interest rate to be applied in this case cannot be more than the rate determined in accordance with the credit card agreement. (3) The consumer loan agreement shall not be valid unless it is established in writing. The creditor, who has not concluded a valid contract, cannot later claim the invalidity of the contract to the detriment of the consumer. Obligation to inform before the contract ARTICLE 23 - (1) It is obligatory for the creditor and the credit intermediary, if any, to give the consumer the pre-contractual information form containing the terms of the loan agreement they offer, a reasonable time before the conclusion of the contract. right of withdrawal ARTICLE 24 - (1) The consumer has the right to withdraw from the consumer loan agreement within fourteen days without giving any reason and without paying any penalty. (2) The creditor is obliged to prove that the consumer has been informed of the right of withdrawal. It is sufficient that the notification regarding the use of the right of withdrawal is addressed to the creditor within the period of the right of withdrawal. (3) In cases where the consumer using the right of withdrawal benefits from the loan, the consumer pays back the principal and the accrued interest from the date of use of the loan to the date of repayment of the principal, within thirty days at the latest after sending the withdrawal notice to the lender. If the payment is not made within this period, the consumer loan is deemed not to have been withdrawn. The interest is calculated according to the contractual interest rate. No fee can be demanded from the consumer other than the calculated contractual interest and the expenses paid to a public institution or organization or third parties. Interest rate ARTICLE 25 - (1) In fixed-term consumer loan agreements, the interest rate is determined as fixed. This rate, which is determined on the date of the contract, cannot be changed to the detriment of the consumer. (2) If contractual interest, effective annual interest or the total cost of the loan are not included in the consumer loan agreements, the loan amount is used interest-free until the end of the contract period. If the effective interest rate is understated, the contractual interest rate to be taken as the basis for calculating the total cost of the loan is re-determined to match the understated effective interest rate. In such cases, the payment plan is rearranged according to the changes made. Making changes to the contract ARTICLE 26 - (1) The terms of the fixed-term loan agreement cannot be changed against the consumer. (2) In case of a change in the interest rate in indefinite term loan agreements, it is obligatory to notify the consumer in writing, on paper or through a permanent data store, thirty days before the effective date of this change. In this notification, details regarding the change in the amount, number and intervals of the payments to be made after the new interest rate comes into effect are included. In case the interest rate is increased, the new interest rate cannot be applied retrospectively. If the consumer pays the entire debt within sixty days at the latest from the notification date and ends using the loan, he is not affected by the interest increase. Early payment

ARTICLE 27 - (1) The consumer may make one or more undue installments or may pay the entire loan debt early. In such cases, the lender is obliged to make a discount on all necessary interest and other cost elements according to the amount paid early. default ARTICLE 28 - (1) In the event that the consumer defaults in paying the installments in fixed-term loan contracts, if the creditor has reserved the right to demand the performance of the entire debt, this right can only be rendered in default if the creditor has fulfilled all his obligations, and the consumer is in default in paying at least two consecutive installments. Can be used in case of falling. In order for the creditor to exercise this right, it is obligatory to give the consumer at least thirty days and give a warning of maturity. (2) Interest, commission and similar expenses are not taken into account in the calculation of the installments made due. Taking out insurance ARTICLE 29 - (1) Credit related insurance cannot be taken out without the explicit request of the consumer through a written or permanent data storage. In case the consumer wishes to take out insurance, the guarantee obtained from the insurance company of his choice must be accepted by the creditor. This insurance must be compatible with the subject of the loan, the amount of debt remaining in the amount insurance and its maturity. Tied loans ARTICLE 30 - (1) Bound loan agreement; It is a contract in which consumer credit is given exclusively for financing a contract for the supply of a particular good or service, and these two contracts objectively form an economic union. (2) The existence of economic union; a) The seller or the provider finances the loan for the consumer, b) In the case of financing by a third party, the creditor uses the services of the seller or provider in connection with the signing or preparation of the loan agreement, c) The provision of a particular good or service is clearly stated in the loan agreement, accepted in the presence of at least one of the conditions. (3) In case the consumer withdraws from the contract regarding the supply of goods or services and the related notification is also sent to the creditor within the withdrawal period, the tied credit contract also terminates without any obligation to pay any compensation or penal clause. (4) In tied credits, if the goods or services are not delivered or performed at all or as required, the seller, the supplier and the creditor are jointly liable if the consumer exercises the right to withdraw from the sales contract or discount the price. If the consumer uses the right to discount the price, the tied credit is also reduced at this rate and the payment plan is changed accordingly. In the event that the consumer uses his right to withdraw from the contract, the seller, the provider and the creditor are jointly responsible for the return of the payment he has made until that day. However, the responsibility of the lender; It is one year, limited to the amount of credit used, from the date of delivery of the goods or performance of the service specified in the sales contract or in the dependent credit agreement in cases where the goods are not delivered or the service is performed, and from the date of delivery of the goods or the performance of the service in cases where the goods are delivered or the service is performed. (5) Without a contract between the creditor and the seller or the supplier regarding the supply of a certain good or service, the credits extended by the creditor by paying the price of the goods or services determined by the consumer himself, are not considered tied credits. Other considerations

ARTICLE 31 - (1) In case an account is opened for a fixed-term loan agreement and only credit-related transactions are made from this account, no fee or expense under any name can be charged to the consumer regarding this account. This account is closed with the payment of the loan, unless the consumer has a written request to the contrary. (2) An overdraft agreement related to a fixed-term loan agreement cannot be concluded without the explicit instruction of the consumer. (3) Card issuing institutions are obliged to offer consumers a type of credit card for which they do not charge annual membership fees or similar fees. (4) Pre-contractual information, mandatory content of the contract, out-of-scope contracts, rights and obligations of the consumer and the creditor, right of withdrawal, early payment, calculation of effective annual interest, mandatory content of advertisements regarding consumer loans, exercise of the right of termination, default, transfer of credit, The procedures and principles regarding the tied credit and other matters shall be determined by regulation.THIRD PART Housing Finance Housing finance contracts ARTICLE 32 - (1) Housing finance contract, for the purpose of acquiring housing; It is a contract for providing loans to consumers, leasing the houses to consumers through financial leasing, providing loans to consumers under the guarantee of the houses they own, and providing loans for the purpose of refinancing these loans. (2) The housing finance contract is not valid unless it is established in writing. The housing finance institution, which has not concluded a valid contract, cannot later claim the invalidity of the contract to the detriment of the consumer. Obligation to inform before the contract ARTICLE 33 - (1) Housing finance institutions are obliged to give the consumer the pre-contract information form, which includes the conditions of the housing finance agreement, a reasonable time before the conclusion of the agreement. default ARTICLE 34 - (1) If the consumer is in default in paying the installments, if the housing finance institution has reserved the right to demand the full performance of the remaining debt, this right can only be granted if the housing finance institution has performed all its obligations and the consumer is in default in paying at least two consecutive installments. available. In order for the housing finance institution to exercise this right, it must give the consumer at least thirty days and give a warning of maturity. (2) Interest, commission and similar expenses are not taken into account in the calculation of the installments made due. (3) In financial leasing transactions, if the consumer fails to fulfill his obligation within the period given in the due date warning, following the expiry of this period, if the housing finance institution terminates the housing finance agreement in order to use its right to fulfill the remaining debt, it is obliged to put the house up for sale immediately. Before the sale, the housing finance institution makes a valuation of the house by the persons or institutions authorized in accordance with the Capital Market Law dated 6/12/2012 and numbered 6362. The appraised value is notified to the consumer at least ten business days before the sale. The housing finance institution sells the house by acting like a prudent merchant, taking into account the appraised value. In case the price obtained from the sale of the house exceeds the remaining debt, the exceeding portion is immediately paid to the consumer. Article 33 of the Financial Leasing, Factoring and Financing Companies Law dated 21/11/2012 and numbered 6361 is not applicable in financial leasing transactions for housing finance. (4) Following the sale of the house within the scope of the third paragraph of this article and the payment of the remaining amount, if any, to the consumer, the consumer or the third parties holding the possession are obliged to evacuate the house, in case the possession is transferred. In case the house is not evacuated, the owner of the house may apply for enforcement against the consumer or third parties holding the possession pursuant to Articles 26 and 27 of the Execution and Bankruptcy Law dated 9/6/1932 and numbered 2004. Tied loans

ARTICLE 35 - (1) Bound loan agreement; It is a contract in which the housing finance loan is given exclusively for the financing of a contract in the case of the purchase of a certain residence, and these two contracts objectively form an economic union. (2) The seller and the housing finance institution are jointly liable if the consumer uses one of the optional rights set forth in Article 11 of this Law due to the fact that the house is not delivered at all or as required in the tied loans. However, the responsibility of the housing finance institution; It is one year, limited to the amount of credit used, from the date of delivery of the house specified in the housing sales contract or affiliated loan agreement in case the house is not delivered, and from the date of delivery of the house in case of delivery of the house. (3) Even in the event that loans given by housing finance institutions are transferred to mortgage finance institutions, housing finance funds or mortgage-backed securities collateral pools, the responsibility of the lending housing finance institution continues. The institution that takes over the loan will not be liable under this article. (4) Without a contract between the housing finance institution and the seller regarding the supply of a specific house, the loans made by the consumer to pay the price of the house determined by him by the lending housing finance institution are not considered tied loans. Interest rate ARTICLE 36 - (1) The portion of the repayment amount in loans and the excess of the rental amount in financial leasing transactions is considered as interest within the scope of this article. (2) As stated in the contract, the interest rate in housing finance loans and financial leasing transactions can be determined as fixed or variable, or by taking both methods as a basis for the same loan. In case the interest rate is fixed, the rate determined at the date of conclusion of the contract cannot be changed without the consent of the parties. If the rate is determined as a variable, the rate determined in the contract at the beginning can be changed based on the lowest of the generally accepted and widely used indices in the country or abroad to be determined in the contract, provided that the periodic repayment amount does not exceed the maximum periodic repayment amount determined in the contract at the beginning. In case the rates are determined as variable, it is essential to inform the consumers about the possible effects of this method. The reference rates and indices that can be used for these purposes are determined by the Central Bank of the Republic of Turkey. Early payment ARTICLE 37 - (1) The consumer may make one or more undue installments or may pay the entire housing finance debt early. In these cases, the housing finance institution is obliged to make a discount for all necessary interest and other cost elements according to the amount paid early. (2) In case the interest rate is determined as fixed, in case one or more payments are made before the due date, the housing finance institution may demand early payment compensation from the consumer by being included in the contract. Early payment compensation cannot exceed one percent of the amount calculated by reducing the required interest rate and paid early by the consumer to the housing finance institution, for loans with a remaining maturity not exceeding thirty-six months, and two percent for loans with a remaining maturity exceeding thirty-six months. In case the rates are determined as variable, early payment compensation cannot be demanded from the consumer. Taking out insurance ARTICLE 38 - (1) Credit related insurance cannot be taken out without the explicit request of the consumer through written or permanent data storage. In case the consumer wishes to take out insurance, the guarantee provided by the insurance company of his choice must be accepted by the housing finance institution. This insurance must be compatible with the subject of the loan, the amount of debt remaining in the amount insurance and its maturity. Other considerations

ARTICLE 39 - (1) In case an account is opened for a housing finance contract and only credit-related transactions are made from this account, no fee or expense under any name can be charged to the consumer regarding this account. This account is closed with the payment of the loan, unless the consumer has a written request to the contrary. (2) An overdraft agreement related to a housing finance agreement cannot be concluded without the explicit instruction of the consumer. (3) In the implementation of the provisions of this Section, real person partners of housing cooperatives are also considered as consumers. (4) Procedures and principles regarding pre-contractual information, the rights and obligations of the consumer and the housing finance institution, the mandatory content of the contract, housing finance advertisements, refinancing, tied credit, default, early payment and calculation of the annual cost rate, and other issues are determined by regulation.CHAPTER FOUR Prepaid Housing Sale Prepaid residential sales contracts ARTICLE 40 - (1) A prepaid housing sales contract is a contract in which the consumer undertakes to pay the sales price of a residential real estate in advance or in installments, and the seller undertakes to transfer or deliver the immovable to the consumer after the full or partial payment of the price. (2) Consumers must be given a preliminary information form at least one day before the conclusion of the contract, containing the matters determined by the Ministry. (3) A prepaid housing sales contract cannot be concluded with consumers without obtaining a building permit. shape requirement ARTICLE 41 - (1) It is obligatory to register the sale of pre-paid housing in the land registry, and the preliminary sales contract must be made in the form of an arrangement at the notary public. Otherwise, the seller cannot later claim the invalidity of the contract to the detriment of the consumer. (2) Unless a valid contract has been made, the seller cannot ask the consumer to make a payment under any name or to provide any document that puts the consumer in debt. Guarantee ARTICLE 42 - (1) Before the seller starts selling pre-paid housing for projects above the size to be determined by the Ministry according to the criteria of the number of residences in the project or the total cost of the project; It is obligatory to take out building completion insurance, the scope, conditions and application principles of which are determined by the Undersecretariat of Treasury or to meet other guarantees and conditions determined by the Ministry. (2) Compensation, guarantees and similar guarantees provided within the scope of building completion insurance cannot be included in bankruptcy or liquidation, cannot be seized, and precautionary injunctions and precautionary attachments cannot be placed on them. right of withdrawal ARTICLE 43 - (1) The consumer has the right to withdraw from the prepaid housing sales contract within fourteen days without giving any justification and without paying any penalty. It is sufficient that the notification regarding the use of the right of withdrawal is addressed to the seller within this period. The seller is obliged to prove that the consumer has been informed about the right of withdrawal. (2) In the event that the immovable is partially or completely purchased with a tied loan, the tied loan contract enters into force at the end of the right of withdrawal period stipulated in this article, to take effect on the date of the contract. The housing finance institution cannot demand any expense from the consumer under the name of interest, commission, legal liability and similar names within the period of the right of withdrawal. (3) The consumer shall return his acquisitions within ten days from the date on which the seller returns the price received and any document that puts the consumer in debt. Delivery of the residence

ARTICLE 44 - (1) In prepaid housing sales, the transfer or delivery period cannot exceed thirty-six months from the contract date. With the registration of the floor easement in the land registry on behalf of the consumer, the transfer and delivery is deemed to have been made in the case of the transfer of possession. Withdrawing from the contract ARTICLE 45 - (1) In prepaid housing sales, the consumer has the right to withdraw from the contract without giving any reason until the date of transfer or delivery. In case of revocation from the contract, the seller; may request the payment of compensation up to two percent of the contract price and expenses arising from taxes, fees and similar legal obligations arising from the sale of the house or the preliminary sale contract. (2) If the seller does not fulfill his obligations at all or properly, he cannot demand any price from the consumer. In cases where the consumer is unable to make the prepayments due to his death or being permanently deprived of earning, or in the event that the seller refuses to accept the offer to replace the contract with a sales contract with an installment to be made under ordinary conditions, no compensation can be demanded from the consumer. (3) In case of revocation from the contract, the amount to be returned to the consumer and any document that puts the consumer under debt shall be returned to the consumer within ninety days at the latest from the date of receipt of the notification of reversal to the seller. The consumer returns his acquisitions within ten days from the date when the seller returns the price received and any documents that put the consumer under debt. Other considerations ARTICLE 46 - (1) Pre-contractual information, mandatory content of the contract, rights and obligations of the consumer and the seller, the right of withdrawal and withdrawal from the contract and other implementation procedures and principles are determined by a regulation.

CHAPTER FIVE Other Consumer Contracts Contracts established outside the workplace ARTICLE 47 - (1) Between the seller or the supplier and the consumer; a) Established outside the workplace, in the simultaneous physical presence of the parties, regardless of whether the offer is made by the consumer or the seller or the supplier, b) In the simultaneous physical presence of the parties, immediately after the meeting with the consumer outside the workplace, at the workplace of the seller or supplier or by any means of remote communication, c) Established during a trip organized by the seller or supplier for the purpose of promoting or selling goods and services to the consumer, Contracts are considered as contracts concluded outside the workplace. (2) Contracts established outside the workplace are established by the seller or supplier authorized by the Ministry. (3) It is obligatory for the consumer to be informed clearly and comprehensibly about the details of which are determined in the regulation before being bound by a contract established outside the workplace or any corresponding proposal. The burden of proof that the consumer has been informed rests with the seller or provider. (4) Contracts concluded outside the workplace are not valid unless they are made in writing. The seller or supplier, who has not established a valid contract, cannot later claim the invalidity of the contract to the detriment of the consumer. Seller or provider; is obliged to ensure that the consumer writes the contract date in his own handwriting and signs the contract, to give a copy of the contract to the consumer and to present the goods or services to the consumer. The proof of the delivery of the contract to the consumer and the provision of the goods or services belongs to the seller or provider. (5) The consumer has the right to withdraw from the contract within fourteen days without giving any reason and without paying any penalty. It is sufficient that the notification regarding the use of the right of withdrawal is addressed to the seller or supplier within this period. During the withdrawal period, the seller or the provider cannot ask the consumer to make a payment under any name or to provide any document that puts the consumer in debt in return for the goods or services subject to the contract. The seller or the provider is obliged to prove that the consumer has been informed about the right of withdrawal. The consumer is not responsible for the changes and deteriorations that occur due to the habitual use of the goods during the withdrawal period. (6) In case the seller or supplier violates the obligations set forth in this article or fails to inform the consumer about the right of withdrawal, the consumer is not bound for a period of fourteen days to use the right of withdrawal. In any case, this period expires one year after the end of the withdrawal period. (7) Mandatory content of the contract, out-of-scope contracts, direct sales, rights and obligations of the consumer, the seller and the supplier, the right of withdrawal, the obligation to inform, the delivery, the qualifications to be sought in the sellers and other implementation procedures and principles are determined by the regulation. distance contracts

ARTICLE 48 - (1) Distance contract, without the simultaneous physical presence of the seller or supplier and the consumer, within the framework of a system established for the remote marketing of goods or services, by using remote communication tools until and including the moment the contract is concluded between the parties. established contracts. (2) Before accepting the distance contract or any corresponding offer, the consumer is informed by the seller or supplier in a clear and understandable manner that he will be obliged to pay if his order is approved, on the matters specified in the regulation. The burden of proof that the consumer has been informed rests with the seller or provider. (3) The seller or the supplier fulfills the obligation within the promised period from the moment the consumer's order reaches him. In the case of goods sales, this period cannot exceed thirty days in any case. If the seller or the supplier does not fulfill his obligation within this period, the consumer may terminate the contract. (4) The consumer has the right to withdraw from the contract within fourteen days without giving any justification and paying any penal clause. It is sufficient that the notification regarding the use of the right of withdrawal is addressed to the seller or supplier within this period. The seller or the provider is obliged to prove that the consumer has been informed about the right of withdrawal. If the consumer is not properly informed about the right of withdrawal, he is not bound for a period of fourteen days to use the right of withdrawal. In any case, this period expires one year after the end of the withdrawal period. The consumer is not responsible for changes and deteriorations that occur due to the customary use of the goods during the right of withdrawal. (5) Those who mediate the establishment of a distance contract on behalf of the seller or supplier by using or making available remote communication tools within the framework of the system they have established, keep records of the transactions made with the seller or supplier due to the issues in this article and, if requested, provide this information to the relevant institutions, organizations and consumers. obliged to give However, the intermediaries within the scope of this paragraph are responsible for their acts contrary to the contract they have made with the seller or supplier. (6) In distance contracts, out-of-scope contracts, the rights and obligations of the consumer, the seller and the supplier, the right of withdrawal, the obligation to inform, the delivery and other implementation procedures and principles are determined by a regulation. Distance contracts for financial services ARTICLE 49 - (1) Financial services mean all kinds of banking services, credit, insurance, private pension, investment and payment services. Distance contracts for financial services are contracts concluded between the provider and the consumer by using remote communication tools, within the framework of a system established for the remote marketing of financial services. (2) In distance contracts regarding financial services, it is obligatory for the consumer to be informed clearly, intelligibly and in accordance with the communication tools used, before expressing his/her will regarding the conclusion of the contract, regarding the right of withdrawal, the obligation of the consumer in case of a declaration of acceptance, and other matters, the details of which are determined by the Ministry. It should be clear that this information is made for commercial purposes, and in cases where voice communication tools are used, the identity of the provider and the reason for the request should be stated at the beginning of each call. The consumer's declaration of acceptance regarding the conclusion of the contract is determined or recorded physically or electronically in accordance with the communication tools used. The Provider is obliged to take the necessary measures for the notification of the right of withdrawal and the determination or records to be made in the physical or electronic environment. (3) It is obligatory for the supplier to communicate all the terms of the contract and other matters determined by the Ministry to the consumer on paper or through permanent data storage. This obligation is fulfilled immediately after the conclusion of the contract, before the consumer directs the will of the consumer or in case the contract is concluded by using a remote communication tool that is not suitable for written information upon the consumer's request.

(4) The consumer may request a written copy of the contract without paying any fee during the period of the contractual relationship. In addition, the consumer has the right to change the distance communication tool used if it is compatible with the nature of the financial service. (5) The consumer has the right to withdraw from distance contracts regarding financial services within fourteen days without giving any reason and without paying any penalty. It is sufficient that the notification regarding the use of the right of withdrawal is directed to the provider within this period. The provider is obliged to prove that the consumer has been informed about the right of withdrawal. In contracts related to insurance contracts and individual pensions, the provisions in favor of the consumer in other legislation regarding the withdrawal period are applied. (6) In distance contracts related to financial services, it is sufficient for the consumer to convey the request for termination of the contract by any means of remote communication. The consumer cannot be compelled to use a method with more severe conditions than the method that ensures the establishment of the contract in order to terminate the contract. (7) In distance contracts regarding financial services, the use of distance communication tools, out-of-scope contracts, card payment, rights and obligations of the consumer and the supplier, the right of withdrawal and other implementation procedures and principles are determined by regulation. Timeshare and long-term vacation service contracts ARTICLE 50 - (1) Timeshare contracts are contracts that are established for a period of more than one year and that allow the consumer to stay for one or more nights for more than one period during this period. (2) The fact that the right provided by timeshare vacation contracts is a personal or real right does not prevent the implementation of this article. Before obtaining a building permit for the land on which the real estate subject to timeshare will be built, a prepaid timeshare contract cannot be concluded with consumers. (3) Long-term holiday service contracts are contracts established for a period of more than one year and in which the consumer is given the right to benefit from discounts or other benefits regarding accommodation or travel or other services together with accommodation for a specified period of time. (4) It is obligatory to give a preliminary information form to the consumers at least one day before the conclusion of the following contracts, containing the matters determined by the Ministry: a) Timeshare contracts b) Long-term holiday service contracts c) Exchange contracts ç) Resale contracts in which the seller or the provider assists the consumer in buying and selling the timeshare or long-term holiday service. (5) Except for the contracts concluded with the distance selling method, the seller or the supplier is obliged to ensure that the consumer writes the contract date in his own handwriting and signs the contract. It is obligatory to give a copy of these contracts, which are established in writing or at a distance, to the consumer on paper or with a permanent data storage. The provisions of the law that stipulate more severe form requirements are reserved. (6) The consumer has the right to withdraw from the contract within fourteen days without giving any reason and without paying any penalty. With the exception of contracts granting timeshare rights, the seller or the provider cannot ask the consumer to make payments under any name or to provide any document that puts the consumer in debt before the withdrawal period expires. Timeshare, long-term holiday service contracts and resale, exchange and all other related contracts arranged together with these contracts automatically terminate with the exercise of the right of withdrawal.

(7) If the price to be paid by the consumer is partially or wholly borne by a creditor based on the agreement between the seller or the provider and the creditor, in case the consumer withdraws from the contract and the notification regarding this is also directed to the creditor within the withdrawal period, the tied credit contract shall also be subject to any compensation or payment. terminates without any obligation to pay a penalty clause. (8) For projects above the size to be determined by the Ministry according to the criteria of the number of circuits in the project or the total cost of the project, the seller or supplier must have a building completion insurance, the scope, conditions and application principles of which are determined by the Undersecretariat of Treasury, or other guarantees determined by the Ministry, before starting the sale of the real estate subject to the prepaid timeshare or conditions must be met. Compensation, collateral and similar guarantees provided within the scope of building completion insurance cannot be included in bankruptcy or liquidation, cannot be seized, and precautionary injunctions and precautionary attachments cannot be placed on them. (9) In case the immovable subject to timeshare is sold with prepaid, the consumer has the right to withdraw from the contract without giving any reason until the date of transfer or delivery. In case of rescinding the contract, the seller may claim compensation up to two percent of the contract value. If the seller does not fulfill his obligations at all or properly, he cannot demand any price from the consumer. In case of revocation from the contract, the amount to be returned to the consumer and any document that puts the consumer in debt is returned to the consumer within ninety days at the latest from the date of receipt of the notification of return to the seller. The consumer returns his acquisitions within ten days from the date when the seller returns the price received and any documents that put the consumer under debt. (10) In the prepaid sale of real estate for timeshare vacation, the period of transfer and delivery cannot exceed thirty-six months from the date of the contract. (11) Timeshare, long-term holiday service, resale, exchange agreements and content of preliminary information, rights and obligations of the consumer, seller and supplier, right of withdrawal, prepaid sales and other implementation procedures and principles are determined by regulation. Package tour contracts ARTICLE 51 - (1) Package tour contracts are contracts in which at least two of the following services are sold or promised to be sold at an all-inclusive price by package tour organizers or intermediaries, and the service covers a period of more than twenty-four hours or includes overnight accommodation:

a) Transportation b) Accommodation c) Other tourism services that are not dependent on transportation and accommodation services. (2) The provisions of this article are also applied in cases where the details of the tour are determined by the package tour organizer, agent or consumer or if the services within the same package tour are invoiced separately. (3) In cases where the package tour organizer does not have a representative in Turkey, the package tour agent is responsible like the package tour organizer. (4) Prior to the conclusion of the package tour contract, it is obligatory to give the consumer a brochure for preliminary information purposes. (5) Package tour organizers or intermediaries are obliged to give a copy of the package tour contracts, which are established in writing or distance, to the consumer on paper or through a permanent data storage. (6) The consumer has the right to accept this change or an alternative tour offered by the package tour organizer, or to withdraw from the contract in case one of the essential elements of the package tour contract changes or the tour is canceled before the start of the tour due to reasons not arising from it. In case of revocation from the contract, the package tour organizer or its agent is obliged to immediately return the entire price paid by the consumer, without any deduction, from the date on which the notice of return is received. (7) The consumer has the right to demand the reduction of the price due to any deficiencies that occur during the performance of the contract. When it is determined that the package tour organizer has not fulfilled or cannot fulfill an important obligation after the tour has started, the consumer may withdraw from the contract. In such cases, the right of the package tour organizer or agent to charge a fee ends. It is obligatory to immediately return the payments made to the consumer as of the date of withdrawal from the contract. However, the package tour organizer may demand an appropriate compensation from the consumer for the actions he has performed so far, as long as he has benefited from the service. (8) Without prejudice to the provisions of the Travel Agencies and Travel Agencies Association Law No. 1618 dated 14/9/1972, the package tour organizer is responsible for all kinds of losses incurred by the consumer due to the failure to perform the contract at all or properly. The consumer can also claim appropriate compensation for wasted vacation time. (9) Persons who benefit from package tour services within the framework of their commercial or professional activities are also considered as consumers. (10) Preliminary information, the content of the contract, the transfer of the package tour, the conditions of the change in the contract and the rights of the consumer in such cases, the consequences of the cancellation of the package tour, the responsibilities of the package tour organizer and the agent, the situations in which the consumer can claim compensation, the termination and consequences of the contract and other application procedures and principles are determined by regulation. Subscription agreements ARTICLE 52 - (1) A subscription contract is a contract that enables the consumer to acquire a certain good or service continuously or at regular intervals. (2) It is obligatory to give a copy of these contracts, which are concluded in writing or at a distance, to the consumer on paper or with a permanent data storage. (3) Provisions regarding the extension of the contract for the specified period cannot be included in fixed-term subscription contracts; However, after the establishment of the subscription contract, the subscription contract can be extended if the consumer makes a request or approves until the expiration date of the contract. (4) The consumer has the right to terminate the subscription contract for an indefinite period or a fixed-term subscription with a duration longer than one year, at any time, without giving any reason and without paying any penalty. In the case of a fixed-term subscription contract with a duration of less than one year, if the seller or supplier makes a change in the terms of the contract, the consumer may terminate the contract. It is sufficient that the notice of termination is addressed to the seller or supplier on paper or with a permanent data storage. The seller or the provider cannot determine a method for the termination of the subscription agreement that includes more severe conditions than the method that provides the establishment of the agreement.

(5) The seller or the provider is obliged to fulfill the consumer's request to terminate the subscription within the periods determined by the regulation. In cases where the subscription is not terminated within the specified periods, no compensation can be claimed from the consumer, even if the goods or services have been used since the end of these periods. The seller or the supplier is obliged to return the remainder of the fee paid by the consumer within fifteen days after the termination notice becomes effective, without deduction. (6) The seller or the provider is obliged to take the necessary measures to fulfill the notifications and requests regarding the termination of the subscription agreement, and to establish an appropriate system when necessary and to keep this system open uninterruptedly. (7) Mandatory content of the contract, rights and obligations of the consumer, seller and supplier, and other implementation procedures and principles are determined by regulation. Promotional practices organized by periodicals ARTICLE 53 - (1) In promotional practices organized by periodicals, in which, regardless of purpose and form, the provision of a second good or service other than the periodical is committed or given by means of tickets, coupons, participation numbers, games, lotteries and similar means, as determined by the regulation. No goods or services other than cultural goods or services suitable for periodic broadcasting purposes can be provided. (2) The duration of promotional practices that require multiple purchases of the periodical and spread over a certain period of time; It cannot exceed seventy-five days for daily periodicals, eighteen weeks for weekly periodicals, and twelve months for longer periodicals. (3) The periodical broadcaster is obliged to announce the program regarding the delivery and performance dates throughout Turkey of the goods or services subject to the application in the advertisements of the promotion application, and to fulfill the delivery and performance of this good or service within forty-five days from the end of the promotion application. (4) During the promotion, the sale price of the periodical cannot be increased due to the cost increase caused by the good or service promised to be given as a secondary product. The consumer cannot be asked to cover all or a part of the cost of the goods or services subject to the promotion. (5) Commitment and distribution of the goods or services subject to the promotion cannot be made by division, and the integral or complementary parts of this good or service cannot be made the subject of a separate promotion. Transactions related to each good or service promised to be given as a secondary product in the implementation of this Law are considered as an independent promotional application. (6) Promotional practices that are not regulated by periodicals but directly or indirectly associated with the periodical are also subject to the provisions of this article. (7) Procedures and principles regarding promotion practices are determined by regulation. FIFTH Informing the Consumer and Protecting Their Interests Price tag

ARTICLE 54 - (1) Placing a label containing the place of production and distinctive features, showing the sales price and unit price, including all taxes to be paid by the consumer, in an easily visible and legible manner, on the goods offered for retail sale or on their packages or containers; In cases where it is not possible to put a label, lists containing the same information must be hung in suitable places so that they can be seen. Lists showing the tariffs and prices of services are also arranged and posted in accordance with the provisions of this article. (2) If there is a difference between the price stated in the label, tariff and price lists and the price of the box, the price in favor of the consumer is applied. (3) The sale price of the goods or services subject to discounted sale, the price before the discount, is shown on the tariff and price lists and labels. The proof that the goods or services subject to discounted sale are offered for sale at a lower price than the price before the discount belongs to the seller or supplier. (4) The Ministry, municipalities and relevant chambers are responsible for carrying out the works related to the implementation and monitoring of the provisions of this article. (5) Labels, tariffs and price lists, the duration of discounted sales and other application procedures and principles are determined by regulation. Introduction and user guide ARTICLE 55 - (1) The goods offered to the consumer must be offered for sale with a Turkish introduction and user manual regarding the introduction, use, installation, maintenance and simple repair, and with a label covering international symbols and signs when necessary. (2) In case the issues regarding the safe use of the goods are on the goods, the written and spoken expressions must be in Turkish. (3) In the event that the goods may be harmful or dangerous to the health of the person and the environment in accordance with the relevant technical regulation, explanatory information and warnings regarding this situation shall be placed or written on the goods or in the introduction and user manual so that they can be used safely. (4) Responsibility for the preparation of Turkish introduction and user manuals belongs to the manufacturer and the importer; The responsibility of giving to the consumer and proving that it has been delivered belongs to the seller. (5) Which goods must be sold with a promotional and user manual and label, and the minimum elements that must be included in them, as well as other application procedures and principles are determined by regulation. Warranty certificate ARTICLE 56 - (1) Manufacturers and importers are obliged to issue a guarantee document, the content of which is determined by regulation, for the goods produced or imported for the consumer. It is the seller's responsibility to ensure that this document is perfected and delivered to the consumer. (2) The warranty period is at least two years, starting from the delivery date of the goods. However, due to its characteristics, the warranty conditions of some goods may be determined by the Ministry in another measurement unit. (3) If the consumer has exercised the right to repair from the optional rights specified in Article 11 of this Law, in case the product fails again within the warranty period or the maximum period required for repair is exceeded or it is understood that the repair is not possible, he/she may use the other optional rights in Article 11. The seller cannot refuse the consumer's request. If this request is not fulfilled, the seller, the manufacturer and the importer are jointly and severally liable. (4) Which goods have to be sold with a guarantee certificate and other application procedures and principles are determined by regulation. Optional warranty

ARTICLE 57 - (1) Optional warranty, regarding the goods or services, without prejudice to the legal rights of the consumer; means the additional commitment given by the seller, supplier, manufacturer or importer in terms of change, repair, maintenance, refund and similar issues. (2) During the voluntary warranty commitment, no expense can be claimed from the consumer due to the exercise of the promised rights. (3) In addition to its commitment, the undertaking is also bound by the statements in its related advertisements and announcements. In this commitment, the legal rights of the consumer are reserved, the conditions of benefiting from the guarantee, its duration, the name of the guarantee giver and contact information must be included. (4) It is obligatory to give the discretionary guarantee commitment to the consumer in writing or with a permanent data storage. (5) Even if the voluntary guarantee commitment does not have the features set forth in this article, it is binding on the person making the commitment. After sales services ARTICLE 58 - (1) Manufacturers or importers are obliged to provide after-sales maintenance and repair services for the goods they produce or import during the service life determined by the Ministry. (2) Manufacturers or importers must obtain an after-sales service adequacy certificate approved by the Ministry for the goods determined by the regulation. (3) The repair period of a product at authorized service stations cannot exceed the maximum period determined by the regulation. (4) Manufacturers or importers can set up authorized service stations themselves, or they can also benefit from established service stations or service organizations, provided that they are responsible for the services provided by the service stations. (5) Service stations operating independently of any manufacturer or importer are also responsible to the consumer for the services they provide. (6) In the event that the importer's commercial activities are terminated in any way, the seller, the manufacturer and the new importer are jointly responsible for the provision of maintenance and repair services during the warranty period. After the warranty period has expired, the manufacturer or the new importer has to offer maintenance and repair services during its lifetime. (7) The establishment, operation, number, features and other application procedures and principles of service stations are determined by regulation. Consumer awareness ARTICLE 59 - (1) Necessary additions are made by the Ministry of National Education to the curriculum of formal and non-formal education institutions on consumer awareness, taking the opinion of the Ministry. (2) Radio and television organizations broadcasting throughout the country must make broadcasts between 08:00 and 22:00, not less than fifteen minutes a month, in order to raise awareness of the consumer. The date, time, duration and content information of the broadcasts are regularly reported to the Radio and Television Supreme Council every month as a list. Broadcasts made outside of these hours are not included in the monthly fifteen-minute period. These periods are supervised by the Radio and Television Supreme Council and the results are reported to the Ministry. Consumer rewards ARTICLE 60 - (1) Consumer awards are awards given for the purposes of protecting and raising the awareness of the consumer and encouraging them to exercise their legal rights. (2) It is essential that the awards given under consumer awards and similar names are given without any benefit and that these awards are based on previously announced objective criteria. (3) The procedures and principles regarding the awarding of consumer awards are determined by regulation. PART SIX Commercial Advertising and Unfair Commercial Practices commercial advertising

ARTICLE 61 - (1) In connection with commercial advertisement, trade, business, craft or a profession; They are announcements in the nature of marketing communication made by advertisers in any medium, in written, visual, audio and similar ways, in order to ensure the sale or rental of a good or service, to inform or persuade the target audience. (2) It is essential that commercial advertisements comply with the principles determined by the Board of Advertisement, general morality, public order and personal rights, be correct and honest. (3) Commercial advertisements that deceive the consumer or exploit their lack of experience and knowledge, endanger the safety of life and property, encourage acts of violence and commit crimes, disrupt public health, abuse the sick, elderly, children and disabled people cannot be made. (4) The inclusion of commercial titles or business names with the name, brand, logo or other distinctive form or expression of goods or services in articles, news, broadcasts and programs without expressly stating that they are advertisements, and presenting them in an introductory manner for the purpose of advertising is considered as a covert advertisement. . It is forbidden to make audible, written and visual covert advertisements in all kinds of communication tools. (5) Comparative advertising of competing goods or services meeting the same needs or for the same purpose can be made. (6) Advertisers are obliged to prove the accuracy of the claims in their commercial advertisements. (7) Advertisers, advertising agencies and media organizations are obliged to comply with the provisions of this article. (8) Limitations to be imposed on commercial advertisements and the procedures and principles to be followed in these advertisements shall be determined by regulation. Unfair commercial practices ARTICLE 62 - (1) A commercial application; It is considered to be unfair if it does not comply with the requirements of professional care and if it significantly disrupts or is likely to significantly impair the economic behavior of the average consumer or the average member of the group to which it is directed. Especially deceptive or offensive practices and practices included in the annex of the regulation are considered unfair commercial practices. Unfair commercial practices against the consumer are prohibited. (2) In the event that the commercial practice is claimed to be unfair, the trader is obliged to prove that this practice is not an unfair commercial practice. (3) In cases where the unfair commercial practice is carried out through advertisement, the provisions of Article 61 of this Law shall apply. (4) The procedures and principles regarding the detection of unfair commercial practices and their inspection, and the practices that will in any case be considered as unfair commercial practices shall be determined by a regulation. Advertising Board

ARTICLE 63 - (1) To determine the principles to be followed in commercial advertisements and to make arrangements to protect the consumer against unfair commercial practices, to examine and, if necessary, to inspect within the framework of these matters, to stop or correct according to the results of the examination and inspection, or to correct with the same method, or to impose administrative fines, or when deemed necessary An Advertisement Board is established in charge of issuing a precautionary suspension penalty of up to three months. The Board may delegate its authority to make a precautionary suspension decision to the Chairman of the Board of Advertisement. The decisions of the Board are implemented by the Ministry. (2) Board of Advertisement, chaired by the relevant Director General to be appointed by the Minister; a) One member to be appointed by the Ministry from among the relevant Deputy Director Generals, b) A member to be appointed by the Ministry of Justice from among the judges or prosecutors working in administrative duties in this Ministry, c) A member to be appointed by the Ministry of Food, Agriculture and Livestock, ç) A member to be assigned by the Ministry of Health, d) A member to be appointed by the Ministry of Culture and Tourism, e) A member to be appointed by the Radio and Television Supreme Council, f) A member from the Turkish Standards Institute, g) One member to be elected from among the metropolitan municipalities of Ankara, Istanbul and Izmir, ğ) A member to be appointed by the Council of Higher Education from among the faculty members who are experts in the fields of advertising, communication or commercial law, h) One member to be appointed by the Union of Chambers and Commodity Exchanges of Turkey from among the members of the Turkish Media and Communication Assembly, ı) A member to be appointed by the Confederation of Turkish Tradesmen and Craftsmen, i) A member to be elected by the Consumer Council from among the representatives of the consumer organizations participating in the Council, j) A member to be elected by the advertisers associations or, if any, their higher organizations, k) A member to be elected by the advertisers associations or, if any, their higher organizations, l) A pharmacist member to be assigned by the Turkish Pharmacists Association, m) A dentist member to be assigned by the Turkish Dental Association, n) A doctor member to be appointed by the Central Council of the Turkish Medical Association, o) A lawyer member to be appointed by the Union of Turkish Bar Associations, It consists of nineteen members, including the chairman. (3) The term of office of the members of the Board is three years. Those whose term has expired can be reassigned or elected. If the memberships become vacant for any reason, assignments or elections are made to the vacant memberships within one month within the principles of the second paragraph. The duty of the expired member continues until the new member starts his/her duty. (4) The Board convenes at least once a month or whenever needed, upon the call of the President. (5) The Board convenes with the presence of at least eleven members, including the Chairman, and decides with the absolute majority of those attending the meeting. In case the votes are equal, the party to which the President votes shall obtain the majority. (6) Specialized commissions in sectoral fields are established by the Ministry to assist the Board in making decisions. The commissions consist of at least three and at most five people, including the chairman. (7) The attendance fee and attendance fee to be paid to the Chairman and members of the Board and the chairman and members of the specialization commission, and the procedures and principles regarding this, shall be determined by the Ministry after obtaining the approval of the Ministry of Finance. (8) The Board conducts its examination over the file containing the relevant documents. The secretariat services of the Board are carried out by the General Directorate. (9) If the Board deems it necessary, it may seek the opinions of specialized universities, private law legal entities and real persons on matters that require special expertise. (10) Board decisions are announced by the Ministry in order to inform and enlighten consumers and to protect their economic interests. (11) The establishment, duties, working procedures and principles of the Board of Advertisement and specialized commissions, secretariat services and other issues are determined by regulation. SECTION SEVEN Consumer Organizations

FIRST PART Consumer Council and Advertising Council Consumer Council ARTICLE 64 - (1) The Consumer Council convenes at least once a year under the coordination of the Ministry in order to investigate the necessary measures regarding the identification of consumer problems and needs and to protect their interests, and to convey the opinions on the measures regarding the implementation of this Law to the relevant authorities for priority consideration. (2) The number of representatives from public institutions and organizations to the Consumer Council can never exceed fifty percent of the total number of members of the Council. (3) Members of the Consumer Council, working procedures and principles and other issues are determined by regulation. Advertising Council ARTICLE 65 - (1) In order to follow modern communication practices regarding the creation and implementation of advertising policies, to carry out research and studies for the development of the advertising industry and advertising control function, to make opinions and suggestions in this field and to convey these opinions and suggestions to the relevant authorities. Advertising Council meets at least once under the coordination of the Ministry. (2) The number of representatives from public institutions and organizations to the Advertising Council can never exceed fifty percent of the total number of members of the Council. (3) Members of the Advertisement Council, working procedures and principles and other matters are determined by regulation. SECOND PART Consumer arbitration committee Founding and mandate ARTICLE 66 - (1) The Ministry is responsible for establishing at least one consumer arbitration committee in provincial centers and district centers, where qualification conditions are determined by regulation, in order to find solutions to disputes that may arise from consumer transactions and consumer-oriented practices. (2) Consumer arbitration committee, chaired by the provincial director of commerce in the provinces and the district governor or an officer appointed by them; a) A member to be appointed by the mayor from among the municipal personnel who are experts in the subject, b) One member to be appointed by the Bar Association from among its members, c) The chamber of commerce and industry in disputes where the seller is a merchant or the chamber of commerce where they are organized separately; A member to be appointed by the union of the chambers of tradesmen and craftsmen in the provinces, and the chamber of tradesmen and craftsmen with the highest number of members in the districts, in disputes where the seller is a tradesman and a craftsman, ç) One member to be elected by the consumer organizations from among themselves, It consists of five members, including the chairman. Reserves of the chairman and members with the qualifications specified in this paragraph are also determined. (3) In places where the formation of a consumer arbitration committee cannot be ensured, the missing memberships are completed by the provincial director of commerce in the provinces and the district governor in the districts from among the civil servants who have the membership qualifications determined by the regulation. Reporter

ARTICLE 67 - (1) Rapporteurs may be employed in consumer arbitration committees established in provincial and district centers. In provinces where the number of rapporteurs is not sufficient, a sufficient number of rapporteurs are appointed by the provincial director of commerce among the personnel of the provincial directorate of commerce, and in districts by the district governor from among the civil servants working in the district. (2) The rapporteurs of the Consumer Arbitration Board are responsible for preparing the files that will form the basis of the committee's work and decisions and presenting the report on the dispute. Application ARTICLE 68 - (1) District consumer arbitration committees in disputes with a value below two thousand Turkish Liras, provincial consumer arbitration committees in disputes under three thousand Turkish Liras, and provincial consumer arbitration committees in disputes between two thousand Turkish Liras and three thousand Turkish Liras in metropolitan provinces. Delegation is mandatory. No application can be made to consumer arbitration committees for disputes above these values. (2) Consumer arbitration committees are obliged to accept the applications made to them in order to do the necessary. (3) Applications can be made to the consumer arbitration committee where the consumer is located or where the consumer transaction is made. Where there is no consumer arbitration committee, where the applications will be made and which consumer arbitration committee will decide on these applications are determined by the regulation. (4) The monetary limits specified in this article shall be applied by increasing the revaluation rate determined and announced in accordance with the provisions of the repeated article 298 of the Tax Procedure Law dated 4/1/1961 and numbered 213, effective from the beginning of each calendar year. The fraction of ten Turkish Liras is not taken into account in the calculation of these increases. (5) This article does not prevent consumers from applying to alternative dispute resolution authorities in accordance with the relevant legislation. Examination ARTICLE 69 - (1) Consumer arbitration committees may request all kinds of information and documents related to the subject of dispute from parties, relevant institutions or organizations. Decision and appeal against the decision ARTICLE 70 - (1) The decisions made by the provincial and district consumer arbitration committees bind the parties. (2) The decisions of the Consumer Arbitration Board are notified to the parties in accordance with the provisions of the Notification Law No. 7201 dated 11/2/1959. Decisions of the consumer arbitration committee are carried out in accordance with the provisions of the Execution and Bankruptcy Law on the execution of writs. (3) The parties may object to the decisions of the consumer arbitration committee within fifteen days from the date of notification to the consumer court in the place where the consumer arbitration committee is located. The objection does not stop the execution of the consumer arbitral tribunal's decision. However, provided that it is requested, the judge may suspend the execution of the consumer arbitral tribunal's decision by means of an injunction. (4) If the appealed decision is in accordance with the law in terms of its merits, but the objection must be accepted due to the fact that the law has been made a mistake in the application of the case, or if it does not require a retrial on the issue that does not comply with the law, the consumer court may give a decision of approval on the document by changing or correcting the decision. This provision is also applicable to the inaccuracies of the identities and trade names of the parties, as well as the errors of writing, calculation or other clear expression. If the decision is in accordance with the procedure and the law and the reason given is not found to be correct, it is approved by changing or correcting the reason. (5) The decision of the consumer court upon the objection made against the decisions of the consumer arbitral tribunal is final. (6) In the objection cases brought against the decisions made by the consumer arbitration committees in favor of the consumer, in case of annulment of the decision, the attorney's fee is determined against the consumer, based on the relative tariff according to the minimum attorney fee tariff. (7) In the decisions made by the consumer arbitration committee against the consumer regarding the dispute, the notification and expert fees are covered by the Ministry. In case the dispute is concluded in favor of the consumer, the notification and expert fees are collected from the other party and recorded as revenue in the budget in accordance with the provisions of the Law No. 6183 on the Collection of Public Claims dated 21/7/1953. Right of peace and fee ARTICLE 71 - (1) The attendance fee and attendance fee to be paid to the chairman and members of the Consumer Arbitration Committee and other public personnel assigned as rapporteurs, and the expert's fee and the procedures and principles regarding these payments shall be determined by the Ministry after obtaining the approval of the Ministry of Finance. Other considerations

ARTICLE 72 - (1) Establishment of consumer arbitration committees, working procedures and principles, qualifications of rapporteurs, procedures and principles regarding the institution of expertise and other matters are determined by regulation. PART EIGHT Provisions Regarding Trial, Supervision and Punishment consumer courts ARTICLE 73 - (1) Consumer courts are in charge of lawsuits regarding consumer transactions and disputes that may arise from consumer-oriented practices. (2) Lawsuits filed by the Ministry, consumers and consumer organizations before consumer courts are exempt from the fees regulated in the Fees Law No. 492 dated 2/7/1964. (3) The expert's fee in the lawsuits to be filed by the higher institutions of consumer organizations and the attorney's fee in case the lawsuit is concluded against the plaintiff, shall be covered by the Ministry. In case the case is concluded against the defendant, the expert fee is collected from the defendant in accordance with the provisions of the Law on Collection of Public Claims and recorded as income in the budget. (4) Lawsuits to be heard in consumer courts shall be carried out in accordance with the provisions of the Sixth Part of the Code of Civil Procedure dated 12/1/2011 and numbered 6100. (5) Consumer lawsuits can also be filed in the consumer court in the place of residence of the consumer. (6) Consumer organizations, relevant public institutions and organizations and the Ministry; Except for the provisions regarding unfair commercial practices and commercial advertisements, in cases where there is a danger of a situation in violation of this Law, which generally concerns consumers, it may file a lawsuit in consumer courts in order to take a preliminary injunction to prevent or stop it, or to detect, prevent or stop the unlawful situation. (7) In cases that generally concern consumers, the plaintiff may request the publication of the decisions rendered. In case the request is accepted by the court, this decision is immediately announced in at least three of the newspapers published at the national level, with the expenses collected from the defendant. (8) Finalized decisions given by consumer courts are transmitted to the Ministry via the National Judicial Network Information System. Decisions made as a result of the objection made against the decisions of the consumer arbitration committees are sent to the relevant consumer arbitration committee by the court that made the decision. Cessation of production or sale and recall of goods ARTICLE 74 - (1) The Ministry, consumers or consumer organizations may file a lawsuit in order to determine that a serial product offered for sale is defective, to stop its production or sale, to eliminate the defect and to have it collected from those who hold it for sale. (2) If it is determined by a court decision that the serial goods offered for sale are defective, the court may decide to temporarily suspend the sale of the goods or to remedy the defect, depending on the nature of the defect. The manufacturer or the importer is obliged to remove the defect of the goods within three months at the latest from the notification date of the court decision. In the event that it is impossible to eliminate the defect of the goods, the goods are collected by the manufacturer or the importer or have it collected. The seized goods are partially or completely destroyed or destroyed according to the risks they carry. Litigation and compensation rights of the consumer regarding the destroyed goods are reserved. (3) In the event that a series of goods offered for sale carries a defect that endanger the safety of the consumer, the provisions of the Law on the Preparation and Implementation of the Technical Legislation Regarding the Products are reserved. Audit

ARTICLE 75 - (1) In the implementation of this Law, Ministry inspectors, customs and trade inspectors and personnel to be assigned by the Ministry are authorized to conduct inspections, examinations and research in any place where goods or services are provided. (2) In matters falling within the scope of this Law, it is obligatory to present all kinds of information and documents accurately to authorized and authorized persons or institutions, or, if requested, to submit the originals or certified copies of the documents. Consumer product and service audit ARTICLE 76 - (1) Consumer product; It is any new, used or improved product designed for use by consumers, including those used in the service sector, or intended to be used by consumers under reasonable conditions, supplied or made available either as a result of commercial activities or by other means. (2) Antique or second-hand products that need to be repaired or rehabilitated before being used are not considered within the scope of the first paragraph, provided that the manufacturer or distributor clearly informs the consumer. (3) Consumer products and services offered to the consumer; It should not harm life and property safety and the environment, and should comply with all necessary administrative and technical regulations. (4) The Ministry is responsible for performing the market surveillance and inspection of the consumer products for which it is responsible, in accordance with the provisions of the Law on the Preparation and Implementation of the Technical Legislation Regarding the Products. Penal provisions ARTICLE 77 - (1) The 4th, 6th, 7th, 18th, 19th, 20th, 21st, 23rd, 26th, 30th, 33rd, 35th, 48th, 49th, An administrative fine of two hundred Turkish Liras is imposed for each transaction or contract found to be in breach of the obligations set forth in Articles 51, 52, 54 and 57. (2) If the unfair terms determined in accordance with Article 5 of this Law are used in consumer contracts, an administrative fine of two hundred Turkish Liras is imposed for each contract in which the contradiction is detected, if this unfair condition is not removed from the contract text within the period to be given by the Ministry. (3) Articles 24, 25, 27, 28, 29, 34, 36, 37, 38, 39, 41, 43, 45, 46 and 31 of this Law For those who act in breach of the obligations set forth in the first, second and fourth paragraphs of Article 40, and in the third, fourth, fifth, seventh and eleventh paragraphs of Article 47, Article 50, An administrative fine of one thousand Turkish Liras is applied for the transaction or contract. (4) Those who violate the obligations set forth in Article 44 of this Law are subject to an administrative fine of twenty thousand Turkish Liras for each undelivered residence, and an administrative fine of one thousand Turkish Liras for each transaction or contract found to be in violation of the tenth paragraph of Article 50. (5) An administrative fine of one hundred thousand Turkish Liras is imposed on those who violate the obligations set forth in the third paragraph of Article 40 and the second paragraphs of Articles 47 and 50 of this Law. (6) Producers and importers who act in violation of the obligations set forth in Articles 55 and 56 of this Law; An administrative fine of two hundred Turkish Liras is imposed on the seller for each good sold to the consumer.

(7) An administrative fine of one hundred thousand Turkish Liras is imposed on those who give awards in violation of the issues specified in Article 60 of this Law. (8) Those who violate the obligations set forth in the third paragraph of Article 31, Article 42 and the eighth paragraph of Article 50 of this Law are given one month to rectify this violation. If the violation is not remedied at the end of this period, an administrative fine of five million Turkish Liras is imposed on card issuers that violate the third paragraph of Article 31, and an administrative fine of five hundred thousand Turkish Liras for those who violate Article 42 and the eighth paragraph of Article 50. (9) Five thousand Turkish Liras for periodicals that violate the obligations set forth in Article 53 of this Law; If the violation is committed with a periodical distributed throughout the country, an administrative fine of one hundred thousand Turkish Liras is applied. The periodicals broadcaster also stops the campaign and all kinds of advertisements and announcements related to the campaign. In case of the continuation of the violation, an administrative fine of ten thousand Turkish Liras is applied for each issue/day starting from the date when the obligation to stop the advertisement and announcement arises. (10) One hundred thousand Turkish Liras for manufacturers and importers who violate Article 58 of this Law, in case after-sales service adequacy certificate is not obtained; ten thousand Turkish Liras for each service station not established; An administrative fine of one thousand Turkish Liras is applied for each service station regarding the deficiencies and contradictions detected at the service stations. (11) An administrative fine of ten thousand Turkish Liras is imposed on radios and televisions that violate the obligations set forth in the second paragraph of Article 59 of this Law. (12) Advertisers, advertising agencies and media establishments who violate the obligations set forth in Article 61 of this Law shall be subject to a suspension or correction with the same method or an administrative fine and, where deemed necessary, a precautionary suspension of up to three months. The Board of Advertisement may impose these penalties together or separately, depending on the nature of the violation. Contradiction; a) Ten thousand Turkish Liras, if it is realized through the television channel broadcasting at the local level, b) Two hundred thousand Turkish Liras, if it is realized through the television channel broadcasting throughout the country, c) Half of the penalties specified in subparagraphs (a) and (b) if they are incurred through periodicals, ç) Five thousand Turkish Liras, if it is realized through the radio channel broadcasting at the local level, d) Fifty thousand Turkish Liras, if it is realized through the radio channel broadcasting throughout the country, e) Fifty thousand Turkish Liras, if realized via the Internet, f) Twenty-five thousand Turkish Liras, if realized via short message, g) Five thousand Turkish Liras, if realized through other channels, administrative fine is imposed. If the violation subject to administrative action is repeated within one year, the Board of Advertisement may impose the administrative fines stated above up to ten times. (13) Those who violate the obligations set forth in Article 62 of this Law shall be subject to a precautionary suspension or suspension of the unfair commercial practice for up to three months or an administrative fine of five thousand Turkish Liras. The Board may impose these penalties together or separately, depending on the nature of the violation. Administrative fine is applied as fifty thousand Turkish Liras if the violation has occurred throughout the country. In case it is determined that the violation is carried out through advertisement, the provisions of the twelfth paragraph of this article are applied. (14) One hundred thousand Turkish Liras for producers or importers who violate the obligations set forth in Article 74 of this Law; An administrative fine of five thousand Turkish Liras is imposed on those who violate the obligations set forth in the first paragraph of Article 79.

(15) Those who violate the obligations set forth in the second paragraph of Article 75 of this Law shall be warned within seven days that the correct information and documents shall be submitted or the opportunity for on-site inspection shall be provided. If the violation persists despite the warning, an administrative fine of not less than twenty-five thousand Turkish Liras is imposed, up to one percent of the annual gross income generated at the end of the fiscal year preceding the detection of the violation. In case the violation is repeated within one year, the administrative fine is doubled. (16) An administrative fine of two hundred Turkish Liras is imposed for each transaction regarding providers who provide services contrary to the obligations set forth in the third paragraph of Article 76 of this Law. (17) Regarding those who initiate and organize the pyramid sales system in violation of Article 80 of this Law or disseminate it by means of meeting, e-mail or other methods suitable for the participation of many other people or support the dissemination of such a system in any other way for commercial purposes, dated 26/9/2004; The relevant provisions of the Turkish Penal Code No. 5237 apply. (18) An administrative fine from one thousand Turkish Liras to fifty thousand Turkish Liras is imposed on those who do not comply with the obligations imposed by this Law and the measures determined by the regulations or communiqués of the Ministry, except those stated above. (19) Except for the administrative fines in the eighth, ninth, twelfth and thirteenth paragraphs of this article, in cases where the total amount of administrative fine applied in a calendar year exceeds twenty-five thousand Turkish Liras as of the date of detection of the violation, it shall not be less than this amount and shall not be less than one hundred and fifty thousand Turkish Liras. the total amount of administrative fine not exceeding one million Turkish Liras; a) It cannot exceed five percent of the annual gross income of the real or legal person subject to the penalty, which occurred at the end of the fiscal year preceding the determination of the violation. In case the previous year's gross income does not occur, the gross income generated as of the determination date is taken into account. In cases where gross incomes are not reported or reported incorrectly, this clause does not apply. b) For banks, consumer loan financial institutions and card issuers, it cannot exceed five per thousand of the shareholders' equity published in the latest financial statements disclosed to the public. (20) The imposition of administrative sanctions pursuant to this Law shall not prevent the actions to be taken pursuant to other laws. The Ministry is authorized to eliminate any hesitations that may arise in the implementation of this article. Authority and objection to penalties ARTICLE 78 - (1) The administrative sanctions in the second, seventh, eighth, ninth and eleventh paragraphs of Article 77 of this Law are imposed by the Ministry; Administrative sanctions decided by the Advertisement Board in accordance with the twelfth and thirteenth paragraphs are applied by the Ministry. Administrative sanctions in the other paragraphs are given by the governorship where the sanctioned person's headquarters is located. (2) Administrative judicial remedy may be applied against the administrative sanction decisions made pursuant to the provisions of this Law in accordance with the provisions of the Administrative Judgment Procedure Law No. 2577 dated 6/1/1982. However, in the administrative court, the case is filed within thirty days from the day following the notification of the transaction. The fact that an action for annulment has been filed in the administrative court does not stop the execution of the decision. (3) Administrative fines imposed in accordance with this Law must be paid within one month following its notification. PART NINE Miscellaneous Provision Food imitation products

ARTICLE 79 - (1) Although they are not food products, they appear different from what they are due to their shape, odour, color, appearance, packaging, label, volume or dimensions and therefore, by consumers, especially by children, by mixing with food products and endangering the health and safety of consumers. The production, marketing, import and export of products are prohibited. Although they are not food products, products that are produced as food products as traditional handicraft products and that do not harm health are excluded from this provision, provided that there is a warning sign and writing on it. (2) The Ministry is authorized to take the necessary measures and make regulations against these products that endanger the health and safety of consumers by appearing different from what they are. (3) The provisions of the Law on the Preparation and Implementation of the Technical Legislation Regarding the Products shall be applied for the measures to be taken and the notification of these measures to the European Commission in case the unsafety of these products placed on the market is detected. (4) The Ministry is responsible for the market surveillance and inspection of the products within this scope. (5) Consumers purchasing food imitation products reserve their right to sue for material and moral damages suffered. pyramid sales systems ARTICLE 80 - (1) Pyramid sales; It is unrealistic or very difficult to realize, which hopes for the possibility of a money or asset gain, provided that other participants are found in the system under the same conditions in return for putting some money or assets on its participants, and which makes the acquisition of assets completely or partially dependent on the other participants to act in accordance with the conditions. earnings expectation system. (2) The establishment, dissemination or recommendation of the pyramid sales system is prohibited. (3) The Ministry is authorized to make the necessary investigations regarding the pyramid sales systems and to take the necessary measures in cooperation with the relevant public institutions or organizations, including stopping the electronic system in our country, if any. Testing, inspection and analysis ARTICLE 81 - (1) The Ministry may benefit from the laboratories of public or private institutions for the implementation of this Law. Test and inspection fees are covered from the Ministry's budget. (2) In case the test and inspection results are contrary to the relevant administrative and technical regulation, all expenses related to this shall be collected from the manufacturer or importer in accordance with the provisions of the Law on Collection of Public Receivables. Test and inspection fees collected are recorded as revenue in the budget. Allowance ARTICLE 82 - (1) The expenses related to the activities of the Advertisement Board, the Advertisement Council, the Consumer Council and the consumer arbitration committees, the expenses of the Ministry for the purpose of protecting the consumer and other expenses shall be covered from the appropriation to be placed in the Ministry's budget. Other provisions ARTICLE 83 - (1) In cases where there is no provision in this Law, general provisions are applied. (2) The fact that there are regulations in other laws regarding the transactions in which the consumer constitutes one of the parties does not prevent this transaction from being considered a consumer transaction and the implementation of the provisions of this Law regarding duty and authority. Regulations and other regulatory actions ARTICLE 84 - (1) The Ministry is authorized to take the necessary measures and make regulations within the framework of the legislation regarding the implementation of this Law. (2) The regulations stipulated in this Law shall be issued by the Ministry within six months from the effective date of the Law. (3) In the secondary regulations to be issued by the Ministry, the opinions of the relevant public institutions and organizations, professional organizations in the nature of public institutions, non-governmental organizations and professional organizations are taken. Recruitment

ARTICLE 85 - (1) The cadres in the attached list have been created and added to the Ministry of Customs and Trade section of the table (I) annexed to the Decree Law No. 190 on General Staff and Procedure dated 13/12/1983. Repealed provisions ARTICLE 86 - (1) The Law on Consumer Protection dated 23/2/1995 and numbered 4077 has been repealed. References made to the Law on the Protection of Consumers in other legislation shall be deemed to have been made to this Law. Transitional provisions PROVISIONAL ARTICLE 1 - (1) Lawsuits filed before the effective date of this Law shall continue to be heard in the courts where they were brought. (2) As a rule, the provisions of that law are applied to the consumer transactions prior to the effective date of this Law, whether they are legally binding or not and to the results thereof. However: a) The provisions contrary to this Law of contracts that were established before the effective date of this Law and are still valid shall not be implemented as of the effective date. b) If the periods of foreclosure and statute of limitations, which started to run before the effective date of this Law, have not expired, the period of forfeiture or statute of limitations shall expire with the expiration of the period stipulated in this Law. (3) Until the regulations stipulated in this Law come into force, the provisions of the regulation and other legislation that are not contrary to this Law shall be applied based on the Law on the Protection of the Consumer, which was repealed by this Law. Force ARTICLE 87 - (1) This Law enters into force six months after its publication. Executive ARTICLE 88 - (1) The provisions of this Law are executed by the Council of Ministers.