ING General Purpose Loan

*The calculation tool is intended for example purposes. The approval of the loan will be granted in line with ING loan allocation rules.

Loan Amount	Loan Maturity Period (Months)	Monthly Interest Rate	Annual Interest Rate	Loan Allocation Fee**	Monthly Installment Amount	Total Monthly Cost Rate	Total Annual Cost Rate
TRY 5.000	36	1.59%	19,08%	TRY 25	TRY 193.28	1.9406%	25.9407%

**Any customer, who has a KKB (Credit Bureau) score of 1850 and above, will benefit from the interest rate of 1.54% for any maturity period in any proposal provided with insurance.  

** Our loan campaign will have a monthly contractual interest rate between 1.48% and 2.59%, and such interest rate will vary depending on the payment performance of our customers. Example For Calculation: In respect of a loan, amounting to TRY 15.000.-, and with a maturity period of 36 months: Interest Rate:1.54%, Total Annual Cost Rate will be 25.0520%. Total Amount Payable including the loan allocation fee, excluding the insurance cost: TRY 20.672,04

Loan Amount	Loan Maturity Period (Months)	Monthly Interest Rate	Annual Interest Rate	Loan Allocation Fee**	Monthly Installment Amount	Total Monthly Cost Rate	Total Annual Cost Rate
TRY 15.000	36	1.59%	19,08%	TRY 75	TRY 579.83	1.9406%	25.9407%

Loan Amount	Loan Maturity Period (Months)	Monthly Interest Rate	Annual Interest Rate	Loan Allocation Fee**	Monthly Installment Amount	Total Monthly Cost Rate	Total Annual Cost Rate
TRY 10.000	36	1.48%	17,76%	TRY 50	TRY 378.35	1.8083%	23.9931%

*** Our loan campaign will have a monthly contractual interest rate between 1.48% and 2.59%.

****The example given above was drawn up by including all taxes and costs for the maturity period and the loan amount. Insurance cost was not included in the Total Monthly Cost Rate and the Total Annual Cost Rate. Loan allocation fee will be 0.5% of the loan amount, and a banking and insurance transactions tax (BITT) of 5% will be charged on the basis of the loan allocation fee.   

*****ING shall be entitled to amend and/or modify the campaign terms and conditions, and to ask for any guarantor and income certificate, if and when so required, and also to reject to approval any loan application that is deemed unfavorable. 

In respect of any customer who have utilized a new Consumer Loan as of August 06, 2019; with respect to the Orange Extra Program members, who have fulfilled the condition to have spent TRY 3.250 within a month by making use of the ING Debit Card or the drawing account; the interest rate, to be calculated by multiplication of the principal of the previous month and the difference between "the interest rate indicated in the applicable agreement" and "the advantageous interest rate determined by the Bank", as well as the amount, corresponding to the taxable portion for such interest rate difference, will be refunded in cash to the drawing account, linked to the loan, by the Bank on the due date, as indicated in the repayment schedule, within the following month.

For example; In case the principal amount of the loan is TRY 10.000.-, and the contractual interest rate is 2%, and the Orange Extra advantageous interest rate is 1.70%, then the interest rate difference amount TRY 10.000. * (2%-1.7%) = TRY 30 the RUSF (Resource Utilization Support Fund): TRY 30*15%= TRY 4.5 BITT (Banking and Insurance Transactions Tax): TRY 30*5% = TRY 1.5, the total cash amount payable: TRY 30 + TRY 4.5 + TRY 1.5 = TRY 36.

Loan Amount	Loan Maturity Period (Months)	Monthly Interest Rate	Annual Interest Rate	Loan Allocation Fee**	Monthly Installment Amount	Total Monthly Cost Rate	Total Annual Cost Rate
TRY 20.000	36	1.59%	19,08%	TRY 100	TRY 773.11	1.9406%	25.9407%

**For Orange Extra customers, the interest rates are reflected by 1.49% with cash refund for those who fulfill the spending conditions of the program for loans up to 5,001- 20,000 TL. Contract interest starts from 1.59%, 20,000 TL 36 months Monthly Cost 1.8805% Annual Cost 25.0520%. ING reserves the right to terminate the campaign and change the conditions.;

You may join the Orange Extra program without paying any amount for such purpose.

You may start to benefit from the Orange Extra privileges after your first shopping by making use of the ING Debit Card.

For the purpose of being able to benefit from such privileges, just accomplish spending of TRY 3.250 within a month by doing your daily shopping such as those at the supermarkets, fueling stations, restaurants, by making use of your ING Debit Card, or by performing your bill payments from your drawing account!

You will earn additional interest of 2% accrued in your Orange and e-Orange TRY Accounts in the month following the month in which you have spent at least TRY 3.250.

You may withdraw and deposit money free of charge by making use of the ATMs of other banks for 3 times within a month;

You will not pay any cost for any EFT/remittance transaction, you might perform from your drawing account through ING Mobile and Internet Branch;

You may do shopping with exclusive privileges and opportunities offered for the Orange Extra program members.