[CONSOLIDATION_METHOD_TITLE] [CONSOLIDATION_METHOD]
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Ref: Public Disclosure dated February 7, 2014

As disclosed in our public disclosure referred above , our Bank established a Medium Term Note (MTN) program ("Program"), which was prepared to enable issuances in various currencies and maturities. Under the Program, a credit agreement for the sale of sustainable debt instruments amounting to USD 100,000,000 was signed on December 11, 2025.

*In contradiction between the Turkish and English versions of this public disclosure, the Turkish version shall prevail.