Exhibit 10.2


 


CERTAIN CONFIDENTIAL PORTIONS OF THIS EXHIBIT HAVE BEEN OMITTED
AND REPLACED WITH “[***].” SUCH IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THIS EXHIBIT BECAUSE IT IS (i) NOT
MATERIAL AND (ii) WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF DISCLOSED.


 


LEASE AGREEMENT


 


		1.	THE
                                            PARTIES OF THE AGREEMENT



 


	1.1.	LESSOR	:	A.Vedat
                                            Yakupoğlu Gayrimenkul Yatırımcılığı



 


		Address 	:	Cumhuriyet
                                            Mah. Selanik Cad. Çorapçı Kalabalık İş Hanı No:20/6
                                            Çankaya/Ankara



 


	 	Tax number	:	46453290384




 


	1.2.	LESSEE	:	D-Market
                                            Elektronik Hizmetler ve Ticaret A.Ş.



 


		Address 	:	Kuştepe
                                            Mah.Mecidiyeköy Yolu Cad. No: 12 Şişli/İstanbul



 


	 	Tax number	:	Kağıthane Tax Office / 2650179910




 


	 	Contact information	:	(0850)
    252 40 00 (Hereinafter referred to as “D-MARKET”)




 


		2.	SUBJECT AND SCOPE OF THE AGREEMENT



 


Subject
and scope of this lease agreement is the rental of 11,000 m2 indoor area + 6000 m2 outdoor
area (front garden, parking place, roads) on 16,622 m2 plots included in Annex-1 General layout
plan of the Lessor at Ankara Province Kazan District 3287 Block 2 Parcel by D-MARKET as a workplace for 5 years.


 


The
general layout plan of the area to be used by D-MARKET together with the buildings and ancillary services as technical office,
warehouse, test workshop, Construction, mechanical and electrical works technical specifications, floor plans are specified in
detail in the annex of the agreement (Annex-1 to Annex-8) with the requested delivery dates in accordance with the project of the interior
construction works.


 


The visual state of the leased property before the renovation
and the visual state after the renovation and construction works to be made by the LESSOR in accordance with the project prepared
by D-MARKET shall be photographed separately by D-MARKET and shared with the LESSOR.


 


		3.	TERM OF THE AGREEMENT



 


The term of this agreement is 5 (five) years between 01.09.2020
- 01.09.2025.


 






     


     


    

 


At the end of the lease period, if D-MARKET gives
a written notification 3 (three) months before the expiry of the agreement, the lease agreement shall be deemed renewed for 1 (one) year
under the same conditions.


 


		4.	TERMINATION OF THE AGREEMENT



 


		4.1.	D-MARKET may terminate the lease agreement at any time within 5 (five) years of rental by giving 3 (three) months’ written
notice.



 


		5.	RENTAL FEE AND PAYMENTS, OTHER LIABILITIES



 


		5.1.	The monthly rent of the leased property is [***] per month. There will be no increase in the rental fee until the end of the first
1 (one) year rental period.



 


		5.2.	The LESSOR shall complete all renovation and infrastructure works including electrical, construction and mechanical matters agreed
between the Parties and detailed in ANNEX-1 until 01.09.2020, which is the commencement date of the lease agreement.



 


		5.3.	In the event that D-MARKET cannot actually enter the leased property until 01.09.2020, D-MARKET’s lease payment obligation shall
commence after the expiry of 1 (one) month period from the actual entry of D-MARKET to the leased property.



 


		5.4.	If the leased property is not delivered in accordance with Article 6.2 of the agreement for a reason arising from the LESSOR,
the rental price shall not be charged.



 


		5.5.	At the beginning of the lease agreement, if these modifications and construction works specified in detail in the annex of the agreement
(Annex-1 to Annex-8) to be completed by the LESSOR in accordance with the project and delivered on the specified dates (Annex-1
to Annex-8) cannot be done on time for a reason arising from the LESSOR and if modifications and constructions are stopped before completion,
D-MARKET shall not be obliged to pay the rental price of the leased property until the renovation and construction works are completed
by the LESSOR.



 


		5.6.	At the end of each agreement year, the annual rent fee increase rate shall be determined by increasing the mutually agreed rate in
writing so as not to be more than the increase rate in the producer price index (12-month average).



 


		5.7.	The invoice for the monthly rent fee shall be issued by the LESSOR until the 25th of each month and delivered to D-MARKET.
Payments shall be made by D-MARKET within the first 10 (ten) days of the following month on the payment day which corresponding to Thursday
to the LESSOR’s bank account with the following information. Thursdays are the payment day of D-MARKET.



 


LESSOR’S:


 


Bank / Branch: [***]


 


IBAN: [***]


 






     


     


    

 


		6.	SPECIAL TERMS OF THE AGREEMENT



 


		6.1.	Construction and Renovation costs



 


Within the scope of Article 321 of the Turkish Code
of Obligations No. 6098, the general layout plan, construction-mechanical and electrical works technical specifications and floor
plans specified in detail in the annex of the agreement (Annex-1 to Annex-8) and the construction works of D-MARKET shall be carried
out by the LESSOR in accordance with the provisions of the legislation in force, the project in the annexes of the agreement and
the construction permit and the building permit. The written consent of the LESSOR for these works has been given together with
this lease agreement and it has been declared, accepted and committed by the parties that the consent of the LESSOR is not required.


 


Renovation and construction costs to be made by the LESSOR
and requested by D-MARKET to be made in accordance with the project prepared inside and outside the area to be used as a technical
office, warehouse and test workshop in the immovable subject to the lease are included in the lease price.


 


		6.2.	Permits and necessary documents related to the immovable property subject to lease



 


The
LESSOR shall deliver the title deed registration, workplace license, settlement and zoning permit specified in Annex 8 of
the immovable property subject to the lease, being registered as a workplace in the land registry and zoning, completing the electric-natural-gas-water
installation, procurement approval procedures and related documents to it to D-MARKET free from all kinds of defects before the start
date of the lease agreement, and shall not process the rental price if the delivery is not made in accordance with this article.


 


		6.3.	Maintenance, repair and construction works



 


If the immovable property needs to be repaired during the
rental period other than the renovation and construction works to be carried out by the LESSOR within the scope of the project prepared
by the D-MARKET in the annex of the agreement and related to its own use, or if a third party claims on it, D-MARKET shall notify the
LESSOR about the situation. The LESSOR is obliged to carry out this repair.


 


All kinds of maintenance, repair and modification expenses
that are not notified by the LESSOR whether they can be fulfilled within 24 hours after the notification made to the LESSOR and are not
performed within the period agreed by the parties shall be paid to D-MARKET by the LESSOR or deducted from the rental price.


 


		6.4.	Usage related expenses and liability



 


Water, Electricity, Natural Gas, Gas, Fuel, security
guard, signboard expenses shall be borne exclusively by D-MARKET since the leased property is actually started to be used by
D-MARKET. However, these and all similar debts arising before the date of the lease agreement belong to the LESSOR. THE LESSOR
accepts, declares and undertakes that he/she will not claim any rights/receivables from D-MARKET before the rental date and that
he/she will not request any fee from D-MARKET. D-MARKET reserves the right to recourse all damages arising from debts arising before
the lease agreement to the LESSOR. The LESSOR shall immediately cover the damages incurred by D-MARKET at the
first request.


 






     


     


    

 


All kinds of taxes, duties and fees arising from the ownership
of the immovable shall be made by the LESSOR and the payment of the ones dependent on use shall be made by D-MARKET.


 


		6.5.	Prohibition of transfer and annotation to the title deed



 


The LESSOR accepts, declares and undertakes that he/she
will not transfer and sell the immovable property to third parties during the lease agreement (including the renewal in accordance with
the law or the agreement by parties), and in case the transfer is inevitable, he/she will receive the written approval of D-MARKET and
also ensure the continuation of the existing lease agreement with the new owner.


 


This lease agreement shall be annotated to the title deed
at the expense of the LESSOR. The lease agreement will only enter into force after this annotation process. The annotation placed on the
title deed can only be removed if the rental period expires.


 


		6.6.	Insurance



 


A building and property damage insurance policy in the
amount of at least [***], which is fire financial liability insurance coverage and has no recourse against D-MARKET, shall be made by
the LESSOR to cover all risks and damages, including landslide, earthquake, flood, storm, lightning, hail, internal water, vehicle crash,
natural disasters, theft, terrorism and malicious acts, and the LESSOR shall submit a copy of the insurance policy to D-MARKET within
7 days following the signing of the agreement.


 


During the renovation and construction works prepared by
D-MARKET and requested to be carried out in accordance with the project in the annex of the agreement, an employer financial liability
insurance policy of at least [***]/per individual, [***]/per incident shall be taken out for the personnel of the LESSOR and/or
the subcontract or personnel of the LESSOR who undertake these renovation and construction works in order to cover all kinds of
damages, losses, compensation etc. risks and losses and the D-MARKET’s employees to control the construction and renovation works
in the leased property.


 


In
addition, during the subject renovation and construction works, a 3rd Party Financial Liability
Insurance policy in the amount of at least [***] per incident and a copy of the policy will be submitted to D-MARKET within 7 days following
the signing of the agreement, which is considered as the 3rd party by the LESSOR against all kinds
of damage, loss, compensation etc. risks that may occur in the property and person of 3rd parties.


 


During the lease period, D-MARKET shall make a workplace
insurance policy with financial liability coverage for vehicles, commodities, machinery, fixtures, fixed decoration and installations
made by D-MARKET on the land belonging to the LESSOR and in the areas subject to the lease agreement and used by D-MARKET.


 











     


     


    

 


		6.7.	The leased property shall be made available to D-MARKET Group companies, suppliers and sub-employers by D-MARKET.



 


		6.8.	The leased property shall be delivered as is at the end of the lease period without any modification/repair or similar construction
work. D-MARKET has no obligation to restore the leased property.



 


		6.9.	The Stamp Tax arising from this lease agreement shall be paid equally by the Parties. D-MARKET shall pay the stamp tax in full and
invoice half of the amount paid to the LESSOR.



 


		6.10.	The provisions of the Code of Obligations No. 6098 shall apply in this agreement.



 


		6.11.	In the settlement of disputes that may arise between the parties in relation to this agreement Ankara Courts and Enforcement Offices
are authorized and the applicable law is Turkish law.



 


		6.12.	The parties have accepted the above-mentioned addresses as their legal notification addresses. Unless the address changes are duly
and in writing notified to the other party, the notifications to be made to the last notified address shall be deemed to have been notified
to the relevant party. On the other hand, in the notifications to be made between the parties via the corporate e-mail addresses written
above, the notification sent shall not be valid unless it is confirmed that it has been received by the other party. In case the phone
numbers written above, the relevant person (s) and e-mail addresses change, these changes shall be notified to the other party in
writing immediately.



 


		7.	CONFIDENTIALITY



 


The LESSOR shall not disclose the information regarding
the terms, conditions and status of the agreement to the public and shall not allow them to be disclosed by its personnel without the
prior written consent of D-MARKET. The LESSOR accepts all kinds of legal and financial responsibilities due to the actions
and discourses contrary to this confidentiality article. In addition, D-MARKET accepts the recourse of the responsibilities and
penalties to D-MARKET within the scope of the relevant legal regulations other than any damages and losses.


 


		8.	ANNEXES



 


This agreement consists of the following 14 (fourteen)
annexes, and these annexes are an integral part of the agreement.


 






     


     


    

  


ANNEX-1: Modification
and Infrastructure Works List


 


 


 






     


     


    

 


ANNEX 2: General
layout plan


 






     


     


    

 


ANNEX 3: Technical
office (Block A) layout plan





 






     


     


    

 





 






     


     


    

 


 






     


     


    

 


ANNEX
4: Test Workshop and Warehouse (Block E) layout plan


 


ANNEX
5: Service channel details


 


ANNEX
6: Warehouse (Block D) layout plan


 


ANNEX
7: Warehouse (Block C) layout plan



 


 









     


     


    





 


ANNEX
8: Construction-mechanical and electrical works technical specification


 


ANNEX
8- CONSTRUCTION-MECHANICAL AND ELECTRICAL WORKS TECHNICAL SPECIFICATION


 


NOT
APPLICABLE


 






     


     


    

 


 


ANNEX
9: The qualifications of the immovable subject to lease, title deed, workplace license, settlement
and zoning permit, registration as a workplace in the land registry and zoning, electricity-natural gas-water installation, procurement
approval procedures





 


Province
District Neighborhood Village Street LocationANKARA KAHRAMAN KAZAN SARAY (I)Sale priceREPUBLIC OF TURKEY TITLE OF DEEDSheet No. Plot
No. Parcel No.PhotoSurface area ha m2 dm25,700,000.003287 216,622.00 m2QualityLimitReason forFactory Warehouse and Land PlanGround
System No: 79224417 While 1⁄4 share is registered on behalf of ALİ İHSAN SATIRLAR, son of [***]; while 1⁄4 share
is registered on behalf of the EKREM SATIRLAR, son of [***], while 1⁄2 share isAcquisiti registered on behalf of the ABDİL
VEDAT YAKUPOĞLU, son of [***] and from the saleon Ownertransaction on behalf of the ABDİL VEDAT YAKUPOĞLU SELAHATTİN
ABDİL VEDAT YAKUPOĞLU, Son of [***] FullIncomeVolume NoDocument No3960Volume No46Page No.4559Sequ ence No.Date25/04/2017OutcomeVolume
NoPage No.Sequence No.DateSuitable for registry CELAL ÖZTÜRK Title Deed Manager /s/ Title Deed Manager NOTE: * The property
must apply to the title deed registry for in-kind rights and annotations. ** In accordance with the provisions of the Notification Law,
the address change will be notified to the relevant Title Deeds Registry Office.Page No. Sequence No.DateDMO Editorial Director Published
by the Revolving Fund. [ ][ ][ ][ ][ ] Stock No 129


 






     


     


    




 




	
	
OCCUPANCY PERMIT
Certificate of permission for use of bullding    127214948
Barcode / Data Matrix:
1. Issued By: KAHRAMANKAZAN MUNICIPALITY 9.Purpose of issuance of the document
[] Partial Use Permission [X] Occupancy Permit [ ] Temporary
10. Date of approval of the
certificate
October 02, 2020
11. Document number
2020/99 2. Address of the occupancy
Province: ANKARA District: KAHRAMANKAZAN
Village: ...................  Municipality: KAHRAMANKAZAN MUNICIPALITY
Neighborhood: SARAY Neighborhood identification code: 26
Street / Boulevard / Square / Group name: 222 CAD.
Street / Boulevard / Square / Group identification code: 336 External door no: 9
Site name: ............................................... ..................... Building ID No: 706150893
12. License based on the document
[X] 1. New building [   ] 2. Renovation [   ] 3. De novo [   ] 4. Additional Building [   ] 5. Floor Addition [   ] 6. Addition
[   ] 17. Temporary
[   ] 8. Renovation [   ] 9. Filling [   ] 10. Restoration [   ] 11. Reinforcement [   ] 12. Usage change [   ] 13. Septic
tank
[   ] 14. Mechanical installation [   ] 15. Electrical installation [  ] 15. Name change [  ] 17. Supporting wall [   ] 18. Garden wall [   ] 19. ..............
13. Date of first building
license
25.07.2018
14. First building license no
2018/138
15. Last building license date
__/__/____
16. Last building license no 17. Date of renewal license
__/__/____
18. Re-license date
__/__/____
19. Date of amendment permit
__/__/____
20. Development plan
approval date
09.05.2008
21. Zoning status date
05.05.2015
22. Zoning status no
2015/87 3. Sheet No:
429D.18D.01D
4. Plot No
3267
5. Parcel No:
2
6. Block No:
23. Date of soil survey approval
25.05.2016
24 EIA report approval date
__/__/____
25.Date of title deed registration
certificate
25.09.2020
26. Title deed registration certificate no
3960
Independent section with a license for
partial use
8. Independent section number for which a
partial use permit has been obtained
27.The institution that issued the title
deed registration certificate
DIRECTORATE OF LAND REGISTRY
OF KAHRAMANKAZAN
28. Parceling plan approval date
27.04.2012
29.The purpose of using parceling
INDUSTRY AND STORAGE AREA
30. Area of the parcel (m2)
16622


Building Owner's Building Contractor's Site Chief's
31. Name, surname, title. TR ID Number
ABDİL VEDAT YAKUPOĞLU, [***]
[X] Private
[  ] Public
[  ] Foreign
36. Name Surname / Title. TR ID number
ABDİL VEDAT YAKUPOĞLU, [***]
46. Name, surname, title
BURAK UÇAR, CIVIL ENGINEER
37. Chamber registration number
ATO: 401545
47.Turkish identity number
[***]
2. Name of tax office to which it is affiliated
 ÇANKAYA TAX OFFICE 38. Name of tax office to which it is affiliated
 ÇANKAYA TAX OFFICE
39. Tax identification number
9290014358
48. Chamber registration number
79449 Tax identification number
290014358 40. Insurance
registration number
---
41. Contract date
__/__/____
42. Contract number 43. Building contractor authorization document
number
0006120090206010
49. Insurance
registration number
--
50. Contract date
7.06.2018
51. Contract number
27525 4. Address
[***]
35.Signature
/s/ ABDİL VEDAT
YAKUPOĞLU 44. Register based address
[***]
45. Signature
/s/ ABDİL VEDAT YAKUPOĞLU
52. Address
[***]
53.Signature
/s/ BURAK UÇAR


Features Related to the Amended Sections of the Document  Building-Related Features
4. Independent sections and common areas of the
building according to the purpose of use
55. Number of
independent sections
56. Surface area
(m2)
 57.The number of
similar buildings
1
58. Number of independent
sections in the building
1
59. Number of residential units
(apartments) in the building
60. Floor area of the building (m2)
10624.6
61. Building Construction Area (m2)
11440.59
251 - Industry 1 11360.69
 62. Total number of
buildings
1
63. Total number of
independent sections
1
64. Total number of residential units
(apartments)
65. Total floor area (m2)
10624.6
66. Total building construction area
(m2)
11440.59 305 - Common Area (Shelter)

79.9

 67.The number of floors of the building's
branchroad
68.The number of floors above the building's
branch road
3
69.The total number of floors of the
building
3
70. Number of additional floors

    71. The height of the branch road of the
building (m)
72. Branch road height of the building (m)
10.3
73.The total height of the building
10.3
74. Additional floor height (m)

 75.Class of building
III
76. Building Group
A
77. Cost of 1 m2
(TRY)
1100
78.Cost of the building
(TRY)
12584649
79. Land value of the
building (TRY)
1035000
80.Cost of the building
including land (TRY)
13619649
81.The cost of the part for
which the form is prepared
(TRY)
12584649 Total: 1251-Industry 1 11440.59


Technical Features of the Building
67.Heating System 68. Installations 69.Common Usage Areas 90. Structure Carrier System
[  ] 1. Central heating [  ] 2. Indoor heating [  ] 3. Floor heating [  ] 14. Stove
[  ] 5. Natural gas stove [  ] 6. Air conditioner [X] 7. NONE
[  ] 1. Treatment
[  ] 2. Base station
[  ] 3. Natural gas
[X] 4. Electronic
[  ] 5. Communication
[X] 6. Dirty water
[X]. Clean water
[X] 8. Booster
[  ] 9. Generator
[  ] 10. Lightning rod
[X] 11. Fire installation
[  ] 12. .............................
[  ] 1. Elevator
[  ] 2. Security building
[X] 3 Parking lot
[  ] 4. Indoor Parking
[  ] 5. Housekeeper's Flat
[  ] 6. Coal bunker
[  ] 7. Common warehouse
[X] 8. Shelter
[X] 9. Water tank
[  ] 10. Fire escape
[  ] 11. Swimming pool
[  ] 12 ...........................
[  ] 11 Reinforced Concrete  [  ] 1.1.1. Framed system
[  ] 1. Framework (Carcass)  [  ] 1.2 Wooden [  ] 1.1.2 Framing system
[  ] 1.3. Steel [  ] 1.1.3. Framed + Curtain system
[  ] 2. Masonry [X] 3. Prefabricated [  ] 4 New prefabs [  ] 5. Combined
Fuel Type Used for Heating Purposes
[  ] 1. Solid fuel [  ] 2. Fuel-oil      [  ] 3. Natural Gas [  ] 4. LPG [  ] 5. Electricity
[  ] 6. Sun [  ] 7 Thermal [  ] 8. Wind [X] 9. NONE
Hot Water Supply Method 85.Hot Water Fuel Type
91. Type of Wall Filler 92. Flooring
[  ] 1. Thermosiphon   [  ] 2. Water heater
[  ] 3. Solar collector   [  ] 4. Boiler
[  ] 5. Joint
[X] 6. NONE
[  ] 1. Natural gas [  ] 2.LPG
[  ] 3. Feel-oil [  ] 14. Electricity
[  ] 5. Solid Fuel [   ] 6.Thermal
[X] 7. NONE
[  ] 1. Briquette [  ] 2. Brick
[  ] 3. Stone [  ] 4. Wooden
[  ] 5. Adobe brick [  ] 6. Aerated concrete
[  ] 7. Concrete block [X] 8. Light panel
[  ] 9. ......................................................................................
[  ] 1. Plate beam
[  ] 2. Cork carpet
[  ] 3. Asmolen
[  ] 4. Wooden
[X] 5. Ready-made building element
[  ] 6. ........................................
Drinking water
[  ] 1. City water     [  ] 2. Well water
[  ] 3. Spring water [X] 4. Potable
water
87. Waste water
[  ] 1. Sewer [X] 2. Septic tank

In order for the Partial Use Permit to be issued to the parts of the building that can be used partially, the common areas that serve these sections must be completed and usable. Buildings and/or independent sections that are not authorized to use cannot
benefit from electricity, water, sewage, communication, natural gas, etc. The basement floors buried in the ground, the common areas of the building except the housekeeper's apartment and the areas not determined in the project cannot be residential.
Storages connected to independent sections, coal cellar, independent section to which it is connected, electricity, water etc. services are utilized. Provided that the inspection and inspection of mechanical and electrical installations are carried out,........
apartments, ......... shops or (other uses) all of them benefit from the municipal service.
Building Occupancy Permit Given for the Finished Parts of the Building
Document date 94.Document number 95. Block no 96. Independent section no
__/__/____
__/__/____
__/__/____
__/__/____

Features related to the building
 97. Number of rooms including living room of the building
TOTAL
1 2 3 4 5 6 7+
98. Number of Apartments
0
99. Number of apartments with parquet
0
100. Area meter of an apartment
0
 





	
	Building Inspection
 101. Name Surname 102. TR ID number 103. Chamber registration number 104. Address 106.Signature
Architectural
ENGINEER OF RECORD

 İSMAİL ONUR KUKUL [***] [***] [***] /s/ İSMAİL ONUR KUKUL
Static SALİM KÜTÜKÇÜOĞLU [***] [***] [***] /s/ SALİM KÜTÜKÇÜOĞLU
Electricity MUAMMER TAŞ [***] [***] [***] /s/ MUAMMER TAŞ
Mechanical installation HABİB BEĞLİ [***] [***] [***] /s/ HABİB BEĞLİ








Building Inspection Organization
106. Name of the organization
ESEN YAPI DENETİM LTD. ŞTİ.
107. Name and surname of the authorized person, TR
ID number:
 İSMAİL KIRIKAYA, [***]
108. Tax identification number
3780354321
110. Adress
[***]
111.Signature

/s/ HABİB BEĞLİ
109. Permit certificate number
and class
602


Architectural Project Designer
112. Name surname
MUSTAFA ARIÖZ
113.TR ID number
[***]
114. Chamber registration number
[***]
115. Address
[***]
116.Signature
/s/ MUSTAFA ARIÖZ


Energy Identity Certificate (EKB) Information
117. EKB no 118.Company / Organization name 119. EKB expert name and surname 120. EKB expert certificate no. 121. Energy Performance class 122. Line gas emission class


Sustainable Green Building (GB) Information (If applicable)
123 YB certificate no 124. Name of organization issuing YB certificate 125. Authority number of the institution issuing the YB
certificate
126. Sustainable green building certification class


Building Occupancy Permit Fee 127. Value (TRY)
13960
128.Date of receipt
24.09.2020
129. Receipt number
429697
130.Other Issues
IT HAS BEEN REGULATED ACCORDING TO THE BUILDING LICENSE DATED 25.072018 AND NO 2018/138 OF THE DIRECTORATE OF ZONING AND CONTRACTING OF KAHRAMANKAZAN MUNICIPALITY.
IT HAS BEEN GIVEN FOR THE ENTIRE BUILDING WITH 11440,59 M2 CONSTRUCTION AREA ON THE 3287 BLOCK AND 2 PARCEL OF THE SARAY NEIGHBORHOOD.
IT HAS BEEN GIVEN WITH THE CLEARANCE CERTIFICATE DATED 24.09.2020 AND NO 62154362-202.01.02-E.11397296 OF THE HEAD OF SSI, KAHRAMANKAZAN ŞEHİT ALİ İHSAN LEZGİ SOCIAL SECURITY CENTER.
IT HAS BEEN GIVEN ACCORDING TO THE COST COLLECTION LETTER DATED 15.09.2020 AND NO 2020091503EAX0000127 OF THE KAHRAMANKAZAN TAX OFFICE.
NOT THAT THE BUILDING IS CONSTRUCTED IN ACCORDANCE WITH ITS LICENSE, ANNEX-APPROVED PROJECTS, DOCUMENTS, MANDATORY STANDARDS, SCIENCE AND ART RULES. AS THE BUILDING IS THE BUILDING WHICH IS
CONDUCTED THE OPERATION AND PRODUCTION ACTIVITIES IN THE INDUSTRIAL AREAS OF KALOHLUBI WITH THE WRITTEN DECLARATION OF THE BUILDING INSPECTION COMPANY, THE ENERGY IDENTITY CERTIFICATE (EIC)
WAS NOT OBTAINED.
IN THE BUILDING, THERE ARE 79.90 M2 SHELTER AND 1238.80 M2 PORCH.
THE BUILDING WILL BE USED AS A  MANUFACTURING CENTER.

Upon the application of the building owner dated 24.09.2020, all parts of the building, including the independent sections made with the Building Permit with the date and number written above, the features of which are specified and the use of which are
granted sections, have been examined, it has been determined that it is in compliance with the Zoning Law, the Legislation on Building Inspection, the Zoning Plan, regulations, the Permit and its annexes, scientific and technical rules, Turkish Standards, the
provisions of the Building Permit and that it is not considered unfavourable in terms of science and health, and their signatures have been obtained and the CONFIDENTIAL DOCUMENT for BUILDING USE has been given in accordance with the Zoning Law
No. 3194 and the Legislation on Building Inspection. Granted Permit shall not relieve the building owner and other responsible persons from any liability arising from violations of the Law, License and its annexes and from any obligation to pay taxes, duties
and fees.

Technical Staff Inspecting the Building Location
131. Name, surname, title, TR identity number, signature, date
AHMET KELEŞ
MACHINE TECHNICIAN
[***]
/s/ AHMET KELEŞ
132. Name, surname, title, TR identity number, signature, date
RABİA AYRANCI
GEOLOGICAL ENGINEER
[***]
/s/ RABİA AYRANCI
133. Name, surname, title, identity number, signature, date
GÜRAY TAYFUN SÜLÜKÇÜ
CIVIL ENGINEER
[***]
/s/ GÜRAY TAYFUN SÜLÜKÇÜ
134. Name, surname, title, TR identity number, signature, date of the official examining the document.
EMRE SÜMER
Zoning and City  Directorate Tax No
[***]
/s/ EMRE SÜMER
135. Name, surname, title, TR identity number, date, seal of the approver
YUSUF ERÇELİK
VICE CHAIRMAN
[***]
/s/ YUSUF ERÇELİK
136. Approval code 





	
	




































REPUBLIC OF TURKEY
TITLE DEED
IMMOVABLE INFORMATION

Province: ANKARA
District: KAHRAMANKAZAN
Neighborhood / Village: SARAY(İ)
Location:
Plot: 3287 Parcel: 2
Surface Area: 16.622,00 m2 Vol / Page No: 46-4559
Quality: Land

It is necessary to apply to the land registry for real and personal rights outside the property, as well as annotations and indications.
LANDLORD INFORMATION

Name Surname / Father's Name: Share: M 2 per share :
ABDİL VEDAT YAKUPOĞLU, Son of SELAHATTİN Full 16.622.00

ABOUT THE REGISTRY

INFORMATION

Immovable No: Reason for Acquisition: Transaction Fee:
79224417 Being Structured while Unstructured
Location information: Registration Date / Journal Number: Suitable for registry
 16/09/2020- 11386
Issue Date: 16.09.2020
Hilal KARAÇAGİL
Deputy Authorized Manager
/s/  Deputy Authorized Manager


 








     


     


    




 


 






    


     


    





 


ANNEX-10:
Signature Circular of the D-MARKET and LESSOR


 


ANNEX10


 


	24 NOVEMBER 2016 NO: 9205	TURKISH TRADE REGISTRY GAZETTE	PAGE: 63




 


REAL PERSONS


 


Ankara Trade Registry Office


Notice Item No: 81517


Mersis No: 4645329038400019


Personal ID No: [***]


Trade Registry No: 401545


 


Business Name


ABDİL VEDAT YAKUPOĞLU


 


Address: Cumhuriyet Mah. Selanik Cad. Çorapçı
Kalabalık İşhanı No: 20 / 6 Çankaya Ankara


 


It is hereby notified that the following particulars
about the real person merchant with the above given details are registered on 21/11/2016 in accordance with the Turkish Commercial Code.


 


Registered Particulars: Establishment


Proof for Registration:


The Signature Statement certified by the Ankara 52th Notary Office
under File No. 25983 on 01/11/2016.


Business Owner:


Business Owner: Abdil Vedat Yakupoğlu


Residential Address:


[***]


Nationality: Republic of Turkey


Personal ID NO: [***]


Business Name:


Business Name: Abdil Vedat Yakupoğlu


Business Start Date:


Business Start Date: 01/11/2016


Business Address:


The registered address of the business is Ankara province, Çankaya
district, Cumhuriyet Mah. Selanik Cad. Çorapçı Kalabalık İşhanı 20/6 Çankaya/Ankara.


Line of Business:


The major line of business is as follows:


Letting out or leasing self owned or hired real properties (self owned
buildings, time-shares, lands, detached houses, etc.)


Authorized Signatories of Business:


Abdil Vedat Yakupoğlu, Personal Identity No. [***], residing in
[***], is appointed as Business Owner until otherwise resolved.


 


Capital of Business:


Capital of Business: Turkish Lira 1,000.00


 


(5/A)(22/553455)


 


SÖĞÜTÖZÜ Mah., 2180
Cad. No:5/A06530 ÇANKAYA/ANKARA


Tel: 03122018100 Fax: 3122859160


https://atonet.org.tr iletisim@atonet.org.tr


 


	 	[Union of Chambers and
	[K. Q.	Commodity Exchanges of Turkey
	TSE- ISSO –EN	accredited CHAMBER logo]
	9000]	 




 






    


     


    

 


Republic of Turkey


ANKARA 52ND NOTARY OFFICE


The Notary of ANKARA 52ND NOTARY OFFICE HANDAN BAYRAM


ADDRESS: [***]


PHONE NUMBER: [***]


FAX: [***]


Date: 01/11/2016


No. 25984


 


 


REQUEST FOR REGISTRATION


 


(THIS IS NOT A SIGNATURE CIRCULAR)


TO ANKARA TRADE REGISTRY OFFICE


 


I, the undersigned, shall operate from 01/11/2016
under the name of ABDİL VEDAT YAKUPOĞLU with the line of business of Real Property Leasing, Wholesale Trade, Construction
in the business address of Cumhuriyet Mah. Selanik Cad. Çorapçı Kalabalık İşhanı No: 20 / 6
 Çankaya / ANKARA and I wish to have my business name and my signature with the below seen specimens registered and announced
as I shall use it under this business name.


 


BUSINESS NAME: ABDİL VEDAT YAKUPOĞLU


ABDİL VEDAT YAKUPOĞLU – [***]


Oran Mah. Rafet Canıtez Cad. No: 9/19 Çankaya/Ankara


 


	SIGNATURE	SIGNATURE	SIGNATURE
	/s/ ABDİL VEDAT YAKUPOĞLU	/s/ ABDİL VEDAT YAKUPOĞLU	/s/ ABDİL VEDAT YAKUPOĞLU




 


I, the undersigned Notary
Public, hereby certify that the statement above (N.A. art. 90) is signed by ABDİL VEDAT YAKUPOĞLU, personal Identity
No. [***], born in [***] on [***] to his father [***] and his mother [***], registered with the vital
records office in [***] province, [***] district, [***] neighbourhood/village, Volume No. [***], Page No.
[***], Entry No. [***] based on a review of the photograph Identification Card issued by the [***] with registration
No. [***], Serial [***], No. [***] on 07/09/2012 he presented to me, who stated that he currently resides
in the above written address and literate and I further certify that he signed it before me in his place due to his busy agenda. Tuesday,
01/11/2016 (the First Day of November, Two Thousand and Sixteen)


 


		ANKARA 52ND NOTARY PUBLIC


Handan Bayram


Represented by


Secretary Authorized to Sign


Faruk OKUMUŞ


 


/s/ Faruk OKUMUŞ

  






SÖĞÜTÖZÜ Mah., 2180 Cad.
No:5/A06530 ÇANKAYA/ANKARA


Tel: 03122018100 Fax: 3122859160


https://atonet.org.tr iletisim@atonet.org.tr



 





	 	[Union of Chambers and
	[K. Q.	Commodity Exchanges of Turkey
	TSE- ISSO –EN	accredited CHAMBER logo]
	9000]	 


 






    


     


    

 


	[Ankara Chamber of Commerce logo]	Date: 19/02/2020
	Ankara Chamber of Commerce	Service: Commercial Registration Office




 


CHAMBER REGISTRATION CERTIFICATE


(Certificate of Good Standing)


 





	Trade Registry No	: 	401545	 
	 	 	 	 
	Company Name	: 	ABDİL VEDAT YAKUPOĞLU	 
	 	 	 	 
	Registered Address	: 	CUMHURİYET MAHALLESİ SELANİK CADDESİ ÇORAPÇI KALABALIK İŞHANI SİTESİ NO:20 / 6 CUMHURİYET SELANİK No:20/6 ÇANKAYA/ANKARA/Turkey
	 	 	 	 
	Date of Registration	: 	21/11/2016	Degree	: 	5.
	 	 	 	 
	Chamber Registration	:	 21/11/2016	Capital	: 	TRY 1,000.00
	 	 	 	 
	Occupational Group	: 	47 –OCCUPATIONAL COMMITTEE OF REAL PROPERTY INVESTORS
	 	 	 	 
	NACE Code	: 	68.20.02-Letting out or leasing self owned or hired real properties (self owned buildings, time-shares, lands, detached houses, etc.)
	 	 	 	 
	Other Activity	:	 	 


 


The entity with the above written details is registered with our
chamber and currently in Good Standing this certificate is issued and certified to be presented to whom it mat concern.


 


		/s/ Murat TÜRKER


For the General Secretary


Murat TÜRKER


Commercial Certification
Official








 


This certificate is issued upon request. It is valid for 6 months.


 


OS.F18 R-00


 


SÖĞÜTÖZÜ Mah., 2180 Cad.
No:5/A06530 ÇANKAYA/ANKARA


Tel: 03122018100 Fax: 3122859160


https://atonet.org.tr iletisim@atonet.org.tr



 





	 	[Union of Chambers and
	[K. Q.	Commodity Exchanges of Turkey
	TSE- ISSO –EN	accredited CHAMBER logo]
	9000]	 


 






    


     


    

 


ANNEX
11: D-MARKET Code of Conduct for suppliers and business partners


 


ANNEX-11


 


Relations
with Suppliers and Stakeholders


 


Doğan Online
Companies have adopted an internationally accepted corporate management approach essentially based on the concepts of equality, transparency,
accountability and responsibility. Grounding on this approach in all its activities and relations, Doğan Online Companies acts
in the light of the same principles in their communication with their business partners and customers in their fields of operation. Doğan
Online Companies are committed to taking any measures to ensure customer satisfaction, the privacy of the confidential information of
their customers and business partners and establishing honest business relations excluding unfair advantage relations with their customers
and business partners.


 






    


     


    

 


ANNEX
12: The image of the place subject to the lease before the renovation and the image after the renovation and construction works
made in accordance with the project


 


 


 






    


     


    

 


ANNEX
13: * Building Insurance Policy of LESSOR


 


	SME
                                            PACKAGE INSURANCE POLICY

     
	Central
Registration System No: 0068006132739588

	 
	Policy
    Number	Policy's
    Maturity	Renewal
    No	Date
    of Issuance - Place and Time	Insurance
    Period
	105215621	21/01/2021-21/01/2022	0	22/01/2021-16:08	365
	Agency's
    Name	ERHAN
    YAZICI SİGORTA ARACILIK HİZ.L
	Agency
    Code	320235	Plate
    No	T08610-2A74	Phone
    number	[***]


 


	INSURER
    INFORMATION
	Name
    Surname / Title	:
    ABDİL VEDAT YAKUPOĞLU
	Contact
    info	:
    [***]
	Customer
    number	:
    [***]
	REPUBLIC
    OF TURKEY Identification number	:
    [***]
	Phone
    number	:
    [***]
	E-mail
    address	 


 


	INSURED
    INFORMATION
	Title	Name
    Surname / Title	TR
    ID Number/Tax ID Number
	Landlord	ABDİL
    VEDAT YAKUPOĞLU	[***]


 


	INFORMATION
    ABOUT THE INSURED PERSON'S WORKPLACE
	Subject
    of Activity	:
    Warehouse  - That does not store flammable substances
	Facility's
    Name	:
    HEPSİ BURADA COM. LOGISTICS CENTER
	Address	:
    SARAY MAH. 222 CADDE NO: 9 D: BAĞIMSIZ BOLUM-5212549405 MERKEZ / KAHRAMANKAZAN ANKARA/Turkey
	Address
    Code	:
    5212549405
	Building
    Gross m2	:
    1200	Building
    Construction Style	:
    Steel, Reinforced Concrete Carcass
	Number
    of Employees Given Personal Accident Coverage	 	Construction
    Year of the Building	:
    2018
	Is
    there a Photovoltaic (PV) Solar Power Plant at Insured Places?	:
    No	Annual
    Total Turnover (TRY)	:
    [***]
	Number
    of Employees Guaranteed for Employer Insurance	 	Annual
    Inflation Hedge Ratio %	:
    % 15
	 	 	 	 	 


 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 1 / 22


 


     


    

 


	PREMIUM INFORMATION	 	AMOUNT (TRY)	 	 	PAYMENT PLAN	 	PAYMENT DATE	 	AMOUNT (TRY)	 
	Pre-Tax Premium	 	 	35,862.90	 	 	1st Installment	 	22/01/2021	 	 	6,270.00	 
	Fire Insurance Tax	 	 	93.95	 	 	2nd Installment	 	22/02/2021	 	 	6,296.00	 
	Banking And Insurance Transaction Tax	 	 	1,793.15	 	 	3rd Installment	 	22/03/2021	 	 	6,296.00	 
	Amount to be paid	 	 	37,750.00	 	 	4th Installment	 	22/04/2021	 	 	6,296.00	 
	 	 	 	 	 	 	5th Installment	 	22/05/2021	 	 	6,296.00	 
	 	 	 	 	 	 	6th Installment	 	22/06/2021	 	 	6,296.00	 



 


	SUBJECT OF INSURANCE	 	INSURANCE COST (TRY)	 
	Building	 	 	26,000,000.00	 
	Machinery - Installation	 	 	2,500,000.00	 
	Glass	 	 	100.00	 
	Billboard / Totem	 	 	100.00	 



 


	GUARANTEES	 	INSURANCE COST (TRY)	 	 	PRICE(%)	 	 	PREMIUM (TRY)	 
	Fire, Lightning, Explosion	 	 	 	 	 	 	 	 	 	 	798.19	 
	Building	 	 	26,000,000.00	 	 	 	 	 	 	 	 	 
	Machinery - Installation	 	 	2,500,000.00	 	 	 	 	 	 	 	 	 
	Internal water	 	 	28,500,000.00	 	 	 	 	 	 	 	45.96	 
	Storm	 	 	28,500,000.00	 	 	 	 	 	 	 	24.51	 
	Landslide	 	 	28,500,000.00	 	 	 	 	 	 	 	6.13	 
	Smoke	 	 	28,500,000.00	 	 	 	 	 	 	 	30.64	 
	Snow weight	 	 	28,500,000.00	 	 	 	 	 	 	 	30.64	 
	Land vehicles crash	 	 	28,500,000.00	 	 	 	 	 	 	 	3.06	 
	Aircraft crash	 	 	28,500,000.00	 	 	 	 	 	 	 	30.64	 
	Hail	 	 	372,505.00	 	 	 	 	 	 	 	20.02	 
	Flood, land flood	 	 	28,500,000.00	 	 	 	 	 	 	 	45.96	 
	GLKHHKNH-Terror	 	 	28,500,000.00	 	 	 	 	 	 	 	30.64	 
	Earthquake and Volcano Eruption - Contents	 	 	2.,00,000.00	 	 	 	 	 	 	 	2,956.25	 
	Earthquake and Volcano Eruption - Building, Foundations, Decoration	 	 	26,000,000.00	 	 	 	 	 	 	 	30,745.00	 
	Theft	 	 	 	 	 	 	 	 	 	 	0.27	 
	Machinery - Installation	 	 	2,500,000.00	 	 	 	 	 	 	 	 	 
	Billboard / Totem	 	 	100.00	 	 	 	 	 	 	 	 	 
	Building's Fixed Installation	 	 	7,500.00	 	 	 	 	 	 	 	 	 



 


	INDEMNITY LIMITED GUARANTEES	 	LIMIT PER EVENT (TRY)	 	 	TOTAL LIMIT (TRY)	 	 	LIMIT PER CAPITA (TRY)	 	 	LIMIT PER VEHICLE (TRY)	 	 	PREMIUM (TRY)	 
	Legal Protection	 	 	 	 	 	 	10,000.00	 	 	 	 	 	 	 	 	 	 	 	5.00	 
	Temporary Address Transfer	 	 	 	 	 	 	10,000.00	 	 	 	 	 	 	 	 	 	 	 	 	 
	Alternative workplace change costs	 	 	 	 	 	 	149,020.00	 	 	 	 	 	 	 	 	 	 	 	30.64	 
	Business interruption	 	 	 	 	 	 	25,000.00	 	 	 	 	 	 	 	 	 	 	 	30.64	 
	Loss of rent	 	 	 	 	 	 	30,000.00	 	 	 	 	 	 	 	 	 	 	 	30.64	 
	Fire Financial Liability	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	966.00	 
	Landlord's liability to the tenant	 	 	 	 	 	 	4,000,000.00	 	 	 	 	 	 	 	 	 	 	 	 	 
	Neighborhood Responsibility	 	 	 	 	 	 	4,000,000.00	 	 	 	 	 	 	 	 	 	 	 	 	 




 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 2 / 22


 


     


    





 


	INDEMNITY
    LIMITED GUARANTEES	 	LIMIT
    PER EVENT (TRY)	 	 	TOTAL
    LIMIT (TRY)	 	 	LIMIT
    PER CAPITA	 	 	LIMIT
    PER VEHICLE (TRY)	 	 	PREMIUM
    (TRY)	 
	 	 	 	  	 	 	 	 	 	 	 	   	 	 	 	   	 	 	 	  	 
	Fire, Explosion	 	 	 	 	 	 	8,000,000.00	 	 	 	 	 	 	 	 	 	 	 	 	 
	Internal water	 	 	 	 	 	 	8,000,000.00	 	 	 	 	 	 	 	 	 	 	 	 	 
	Smoke	 	 	 	 	 	 	8,000,000.00	 	 	 	 	 	 	 	 	 	 	 	 	 
	GLKHHKNH - Terror Tenancy /
    Owner Financial Liability	 	 	 	 	 	 	4,000,000.00	 	 	 	 	 	 	 	 	 	 	 	 	 
	GLKHHKNH - Terror Neighborhood
    Financial Liability	 	 	 	 	 	 	4,000,000.00	 	 	 	 	 	 	 	 	 	 	 	 	 
	Debris removal costs -
    Building	 	 	 	 	 	 	1,040,000.00	 	 	 	 	 	 	 	 	 	 	 	0.11	 
	Debris removal costs -
    Contents	 	 	 	 	 	 	100,000.00	 	 	 	 	 	 	 	 	 	 	 	0.01	 
	Glass Breakage	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0.02	 
	Glass	 	 	 	 	 	 	100.00	 	 	 	 	 	 	 	 	 	 	 	 	 
	Billboard / Totem	 	 	 	 	 	 	100.00	 	 	 	 	 	 	 	 	 	 	 	 	 
	Third Party Liability	 	 	 	 	 	 	500,000.00	 	 	 	 	 	 	 	 	 	 	 	1.50	 
	Third Party Liability	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Elevator, Escalator Responsibility	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 







 


	ASSISTANCE
    SERVICES
	 
	ANADOLU
    Emergency Health Services
	Anadolu
    Hizmet





 


Emergency
workplace assistance services will be provided by calling 0 850 724 0 850. Otherwise, the services received will be considered out of
coverage.


 


Assistance
services only apply to the risk address stated on the front of the policy, addresses specified in special conditions are out of scope.


 


Anadolu
Anonim Türk Sigorta Şirketi provides the assurances specified in this policy, which is arranged by the insurer and the insured
based on their own explanations and relying on the accuracy of their statements, within the framework of the general conditions, special
conditions, clauses or the product booklet containing this information listed in the policy and delivered to the insurer together with
the policy. The guarantees you can benefit from under the insurance contract are limited to the guarantees you have purchased and specified
in the policy. The product brochure provided to you may also contain descriptions of some collateral that you have not purchased. In
terms of which guarantees you are entitled to benefit from, the policy will be relied upon, not the product booklet.


 


If
the e-mail address is provided, the related product booklet and information form can be sent to your address electronically with the
policy. In addition, the product booklet and information forms can be accessed at www.anadolusigorta.com.tr on our company's website.


 


	GENERAL
    CONDITIONS
	 
	This
                                            policy shall prevail within the framework of the general conditions specified below. The
                                            general condition texts given in the title are included in the SME Package Insurance &
                                            Sectoral Package Insurances Booklet (YN 641) given to you with this policy.

     

    •
    General Conditions of Fire Insurance

     

    •
    General Conditions of Theft Insurance

     

    •
    General Conditions for Insurance Against Glass Breakage

     

    •
    General Conditions for Financial Liability Insurance Against Third Parties

     

    •
    General Conditions of Legal Protection Insurance

     







 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 3 / 22


 


     


    

 





	 
	USER
    SPECIAL CONDITIONS
	 
	AFOREMENTIONED
    WORKPLACE HEREBY HAS BEEN LEASED TO COMPANY AS A WAREHOUSE AND LOGISTICS CENTER.





 


SPECIAL
CONDITIONS


 


It
has been agreed by the parties that the following clauses and special conditions for this policy shall prevail within the framework of
the explanations written in the policy and the general conditions, special conditions, clauses or the product booklet containing this
information delivered to the insured together with the policy.


 


SME
Package Insurance and Sectoral Package Insurance Booklet - YN 641


 


Internal
Water Clause


 


Earthquake
and Volcano Eruption Clause


 


Smoke
Clause


 


Storm
Clause


 


Aircraft
Clause


 


Strike,
Lockout, Chaos, Popular Movements Clause


 


Malicious
Acts Clause


 


Terror
Clause


 


Snow
Weight Clause


 


Land
Vehicles Clause


 


Flood
or Land flood Clause


 


Landslide
Clause


 


Fire
and Explosion Financial Liability Clause


 


Inflation
Indexed Collateral Clause for Earthquake and Volcano Eruption Coverage


 


Strikes,
Lockouts, Turmoil, Popular Movements or Strike, Lockout, Turmoil, Popular Movements, Malicious Movements and Terror Clause in Inflation-Indexed
Policies


 


Workplace
Clause of Anadolu Hizmet


 


Inflation
Protection Clause


 


Recourse
Rights Special Condition


 


Documents
Required In Case Of Damage Clause


 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 4 / 22


 


     


    

 


Earthquake
and Volcano Eruption Coverage


 


Earthquake
and Volcano Eruption Insurance is made in the form of joint insurance with the insured at the rates stated below.


 


	Joint Insurance
    Distribution	 	The
    Section where the Insured is Responsible for 100% of the Insurance Amount	 	 	The
    Section where the Insurer is Responsible for 100% of the Insurance Amount	 
	Building,
    Foundation, Decoration	 	 	20	 	 	 	80	 
	Content	 	 	20	 	 	 	80	 
	 	 	 	 	 	 	 	 	 
	In Earthquake and Volcano Eruption
    Insurance, the following exemption has been applied over the part that the insurer is responsible for.
	 
	 	 	 	Exemption
                                            To Be Applied Over The Part That The Insurer Is Responsible For (%)	 
	Building,
    Foundation, Decoration	 	 	2	 
	Content	 	 	2	 






 


Fire
Insurance Earthquake and Volcano Eruption Coverage Joint Insurance and Exemption Clause (Industrial and Commercial Risks)


 


Earthquake
and volcanic eruption insurance is made in the form of joint insurance with the insured provided that at least 20% of the insurance amount
remains on the insured and the insured participates in the damage at this rate. The insured and the insurer may agree to increase this
rate. In this case, the premium is calculated on the basis of the price reduction specified in the tariff over the insurance amount.
This issue is written on the front of the policy.


 


The
insured cannot reinsure the part of the insurance amount that it agrees to keep on itself and the part he has undertaken. The insured
participates in the damage at the rate agreed in advance and written in the policy.


 


In
each damage related to earthquake and volcanic eruption coverage, if the insurance coverage of the same insured and at the same risk
address covers the building (building, fixed installation and decoration) and its contents (commodity; machinery, equipment, fixtures
and other installations) or more than one building or its contents;


 


		•	Building,
                                            fixed installation and decoration,



 


		•	Commodity,



 


		•	A
                                            deductible exemption of at least 2% over the total insurance costs of each of the machinery,
                                            equipment, fixtures and other installations, groups (the part for which the insurer is responsible)
                                            shall be applied separately for each of these groups. The insurer is responsible for the
                                            part of the damage exceeding this exemption amount. The insured and the insurer may agree
                                            to increase the exemption rate. In this case, the price is discounted at the rate specified
                                            in the tariff. This issue is written on the front of the policy. In terms of exemption application,
                                            each 72-hour period is considered as a damage.



  






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 5 / 22


 


     


    

 


Strike,
Lockout, Turmoil, People's Movements or Strike, Lockout, Turmoil, People's Movements, Malicious Movements and Terror Exemption Clause
- For Non-Residential Commercial and Industrial Risks 


 


Without
prejudice to the General Conditions of Fire Insurance and the provisions of Strike, Lockout, Turmoil, Public Movements or Strike, Lockout,
Turmoil, Public Movements, Malicious Movements and Terror clauses attached to the policy; this insurance is made in the form of joint
insurance provided that 20% of the 100% insurance amount is above the insured.


 


In
case of damages, the insured participates in the damage at the rate stated above.


 


In
each damage related to this coverage, if the insurance coverage of the same insured and at a separate risk address covers the building
and its contents (commodity, machinery, equipment, fixtures and other installations) or more than one building and its contents, all:


 


		•	Building
                                            fixed installation decoration



 


		•	Commodity



 


		•	A
                                            deductible exemption of 2% on the total insurance costs of each of the machinery, equipment,
                                            fixtures and other installation groups (80% of which the insurer is responsible) shall be
                                            applied separately for each of these groups. The insurer is responsible for the part of the
                                            damage exceeding the exemption.



 


Flood
Coverage


 


For
each damage that may occur in relation to flood coverage, a deductible exemption of 2% of the insurance amount of each of the following
groups shall be applied to the relevant group. However, the total exemption to be applied to these groups is limited to EUR 50,000.


 


•
Building, fixed installation and decoration


 


•
Commodity


 


•
Machinery, equipment, fixtures and other installations


 


Additional
Coverage for Landslides


 


Damages
caused by landslide or land collapse as a result of excavations made around the insured building are included in the guarantee, except
for excavations ongoing or planned (known to the insured it is planned) on the insurance start date. A 10% deductible exemption shall
be applied over the compensation amount to be paid for each damage that may occur under this guarantee.


 


Special
Condition for Insulation Insufficiency


 


With
the Special Condition of Insulation Inadequacy, damages caused by leakage and/or entry of rain and snow water from the exterior or terrace
of the building (with floor strainer) or windows, doors and moldings (offshores) due to insufficient insulation and/or loss of insulation
and damages caused by leakage of water accumulated on roofs without floor strainer are included in the coverage not exceeding 10% of
the total annual insurance amount and in any case TRY 500,000. An exemption of TRY 500 shall be applied for each damage covered by the
guarantee.


 


Damages
that may occur due to the following reasons are excluded from the coverage.


 


•
Leaking water from the unplastered side facade caused by the collapse of the adjacent order building


 


•
Leaked water from the front with coarse and fine plaster but not painted


 


•
Leakage of water accumulated on balconies without floor strainers to the insured floor from downstairs and/or under the doors


 


•
Damage caused by sweating, mold and similar causes due to lack/loss of heat insulation


 


•
All kinds of insulation costs


 


•
Damages on the facade and roof


 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 6 / 22


 


     


    

 


Hail
Coverage


 


•
Provided that it is covered by this policy, damages that may occur due to hail in the building and content, with or without the storm,
are covered by the limit specified on the policy in total per occurrence and during the policy period. 


 


•
An exemption of USD 250 will be applied for each damage.


 


•
Exposed content is excluded from coverage even if it is under porch, awning or cover, etc.


 


Computer
Software and Programs Coverage External Clause


 


All
kinds of computer software and programs are not covered.


 


Special
Condition of the Subject of Activity


 


The
 "Subject of Activity" related to the risk(s) covered by this insurance is stated in the policy as declared by the insurer and/or
the insured. The special conditions that the insurance premium and the insurance relationship will be subject to are determined in accordance
with this declaration of the insurer and/or the insured. If it is determined that the actual activity subject to the said risk is different
from the declared activity subject, the relevant provisions of the Turkish Commercial Code (TCC) and the General Conditions of Insurance
shall apply to the violation of the pre-contractual notification obligation.


 


Special
Condition of Tobacco and Alcohol Limit 


 


The
special condition of tobacco and alcohol limit is limited to 10% of the commodity price provided that it does not exceed a maximum of
TRY 5,000 for theft collateral, tobacco and tobacco products and alcoholic beverages.


 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 7 / 22


 


     


    

 


Photovoltaic
(Pv) Solar Power Plant Exemption


 


The
Insurer/Insured declares in this insurance contract that there is no photovoltaic (PV) solar power plant in the insured places. Notwithstanding
this declaration, in the event that it is determined that there is a photovoltaic (PV) solar power plant in the insured places in this
insurance contract, the damages due to this proximate cause and/or the damages that are realized or aggravated due to this reason shall
be excluded from the coverage. The photovoltaic (PV) solar power plant itself, along with all kinds of installations and extensions,
is out of the scope of coverage.


 


Sprinkler
Leak


 


Damages
caused by sprinkler installation are included in the coverage under the Fire Insurance General Conditions - Internal Water clause.


 


Provisional
Address Transfer Guarantee


 


As
a result of the damages that may occur under the policy, the damages covered by the guarantees contained in this policy that the machinery,
fixtures and electronic devices may be temporarily exposed to at another address due to maintenance/repair and similar reasons are covered,
provided that they are limited to the amounts specified in the policy, the maximum compensation amount to be paid for this guarantee
in a policy period will be limited to a total of TRY 10.000. Damages that may occur during transportation are not covered. In any case,
the compensation to be paid under this policy will be limited to the total fire insurance cost specified in the policy schedule.


 


Rental
Loss Guarantee


 


Without
prejudice to the provisions of the General Conditions of Fire Insurance, except for earthquake coverage, if the building is in an uninhabitable
condition as a result of the damages that may occur within the scope of the policy, the loss arising from the failure to obtain the expected
lease or usufruct right from the building rented for the owner or usufructuary, which is the part of the rent paid in advance for the
tenant corresponding to the unprocessed period with the day calculation, is covered by the coverage. In the calculation of the compensation;
the amount of the rent that will correspond to the period required for the repair and construction of the building (maximum one year)
shall be taken as basis.


 


The
maximum liability of the insurer shall be limited to the monthly rental amount specified in the current rental contract, provided that
the monthly rental amount does not exceed TRY 2,500. In any case, the compensation to be paid under this policy will be limited to the
total fire insurance cost specified in the policy schedule.


 


Alternative
Workplace Replacement Costs Coverage


 


Without
prejudice to the provisions of the General Conditions of Fire Insurance, except for earthquake coverage, reasonable costs related to
the alternative workplace that the insured is obliged to make for up to 12 months in the capacity of tenant or anchor or owner of the
building due to the fact that the workplace building becomes uninhabitable as a result of damages that may occur under the policy and
provided that it does not exceed the reasonable period required for repair or reconstruction are covered by the insurer. However, the
maximum liability of the insurer is limited to the limit specified on the policy. In any case, the compensation to be paid under this
policy will be limited to the total fire insurance cost specified in the policy schedule.


 


Business
Interruption Guarantee


 


Without
prejudice to the provisions of the General Conditions of Fire Insurance, if the commercial activity stops completely for more than 3
days starting from the day following the date of the occurrence of the damage as a result of the fire hazard in the insured place, 10%
of the damage amount to be paid to the insured and an additional amount not exceeding the limit specified on the policy shall be paid
as work stoppage compensation.


 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 8 / 22


 


     


    

 


Special
Condition of Glass Breakage


 


The
glass breakage guarantee given by this policy is the compensation limit and the total limit per event and year is limited to the amount
specified in the policy.


 


Glass
Breakage Coverage


 


Glass
breakage coverage includes glass table, coffee table, mirrors, window glasses in the workplace.


 


Debris
Removal Expenses


 


The
debris removal costs to be incurred in relation to the damages related to the fire and additional guarantees included in the policy are
included in the guarantee, limited to the amount specified in the policy.


 


Legal
Protection Guarantee for Immovable Property


 


The
insurer shall provide the insured with protection for any disputes that may arise in respect of the lessor, the lessee or one or all
of the tiTRYes of the same right holder, provided that all or part of the immovable and movable property shown in the policy is shown
in the policy. Among the expenses to be paid, provided that they arise from the conditions stipulated in the general conditions regarding
the coverages in the policy, the attorney and consultancy fees are limited to the attorney and consultancy minimum wage tariff. The limit
of the legal protection guarantee provided by this policy is limited to TRY 10,000 per occurrence and in total per year.


 


Special
Condition of theft


 


The
guarantee of theft is valid provided that at least one of the following measures has been taken and is operational at the time of the
risk, which is suitable for the protection of the entire insured place against the risk of theft:


 


		•	Alarm
                                            system connected to security companies, mobile phones or security forces (common enough to
                                            detect theft anywhere in the insured place and not affected by power outages)



 


		•	Iron
                                            bars, shutters or laminated safety glass with a minimum thickness of 4+4 mm (of sufficient
                                            strength to protect all doors and windows of the insured place)



 


		•	Night
                                            watchman (equipped to detect and prevent and notify any theft that may occur in the insured
                                            place according to the size of the insured place)



 


Building
Fixed Installation Theft Guarantee


 


Fixed
assets of the building are secured against the risk of theft, provided that they are limited to the limit specified on the policy. In
any case, the total amount of compensation to be paid shall be limited to the total insurance amount.


 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 9 / 22


 


     


    

 


Contents
in the Open Area


 


If
not specified separately on the policy, the content in the open area is excluded from the guarantee. The four sides of the content shall
be considered as indoors and/or under or within the porch, awning, tent, tarpaulin, wire mesh or cover, etc., and the guarantee shall
be excluded unless otherwise stated in the policy.


 


Strikes,
Lockouts, Turmoil, Popular Movements, Malicious Movements, Terror Guarantee


 


Strikes,
Lockouts, Turmoil, People's Movements or Strike, Lockout, Turmoil, People's Movements and Malicious Acts, Terror Insurance has been made
in the form of joint insurance with the insured at the rates stated below.


 


	Joint Insurance
    Distribution	 	The
    Section where the Insured is Responsible for 100% Insurance Amount	 	 	The
    Section where the Insurer is Responsible for 100% Insurance Amount	 
	G.L.-K.H.H.-K.N.H.-Terror	 	 	20	 	 	 	80	 
	 

                                                                     Strikes,
                                            Lockouts, Turmoil, People's Movements or Strikes, Lockouts, Turmoil, People's Movements Malicious
                                            Acts, Terror Insurance has been exempted at the following rates over the part that the insurer
                                            is responsible for.

                                                                      

	 	 	 	Exemption
                                            To Be Applied Over The Part That The Insurer Is Responsible For (%)	 
	G.L.-K.H.H.-K.N.H.-Terror	 	 	2	 



  


Note
on Exemption and Joint Insurance Practices of GLKHKNH-Terror Coverage Received with Fire Financial Liability Coverage 


 


In
the event that GLKHKNH-Terror coverage has been received together with fire liability coverage, the exemption and joint insurance conditions
regarding GLKHKNH-Terror coverage shall apply.


 


GLKHKNH
- Note on Exemption and Joint Insurance Practices of Terror and Earthquake Coverages 


 


In
case of damages arising as a result of terror and earthquake, GLKHKNH- Exemption and joint insurance conditions related to terror and
earthquake guarantees shall apply.


 


ANADOLU
Emergency Health Services


 


With
this service, within the boundaries of the workplace that is within the provincial boundaries of Turkey (including the TRNC), it is ensured
that the employees of the workplace who have a service contract with the employer and are affiliated with the Law of Social Insurance
and those who are in the workplace benefit from ANADOLU Emergency Health Services to be valid during working hours. The said service
shall also apply if the persons working in the insured workplace under the Law of Social Insurance are outside the insured workplace
due to duty.


 


Medical
Counseling


 


Upon
the request of the insured of the INSURANCE COMPANY to the Alarm Center, it is the transfer of informative and guiding information by
the contracted company physicians to the right holder (patient) via telephone and without any physical determination opportunity.


 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 10 / 22


 


     


    

 


Emergency
Health Services


 


It
covers the service provided within the Emergency Health Services Regulation of the Ministry of Health published in the Official Gazette
dated 15.03.2007 and numbered 26463 and the generally accepted principles. These services are provided by medical teams trained in emergency
health care with medical tools and equipment support in the early period following the occurrence of sudden illness, accident, injury
and similar situations.


 


Emergency
Land Ambulance Service


 


It
is a vehicle consisting of a team of physicians, anesthesiologists and drivers equipped with the most advanced communication technology
and deployed in ambulance stations and meeting the requirements of international standards and the requirements of the Special Ambulance
Services Regulation published in the Official Gazette of the Ministry of Health dated 07.12.2006 and numbered 26369 to provide continuous
service (full day). The service will be provided directly by the contracted company within the borders of Istanbul, Ankara Metropolitan
Municipality (excluding adjacent areas). In case of requests that may occur outside the borders of Istanbul, Ankara Metropolitan Municipality;
the contracted company will provide service with ambulances affiliated to contracted physicians and/or health institutions and information
about these locations can be accessed at www.anadolusigorta.com.tr.


 


Emergency
Physician Service


 


It
is the service of sending a physician to the right holder (patient) in the first place at points where there is no land ambulance and
it will take a long time to reach and performing the intervention and/or, if deemed necessary, transportation to the nearest equipped
health center for the intervention.


 


Medicine
and Consumables


 


Medicines
and routine materials to be used free of charge by the contracted company to the right holder (patient) in case of emergency intervention.


 


Medical
Information Bridge


 


It
is a system based on information communication between the Beneficiary (Patient), treatment institution (hospital and similar institution),
ambulance, patient relative and/or physician.


 


Emergency
List


 


•
Drowning


 


•
Traffic accident


 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 11 / 22


 


     


    

 


•
Terror, sabotage, shooting, stabbing, fighting, etc.


 


•
Suicide Attempt


 


•
Rape


 


•
Falling from high


 


•
Serious Occupational Accidents, Limb Rupture


 


•
Electric shock


 


•
Freezing, Cold Stroke


 


•
Heat Stroke


 


•
Severe Burns


 


•
Serious Eye Injuries


 


•
Poisoning


 


•
Severe Allergy, Anaphylactic Statements: Disruption in heart rhythm, severe allergy or low blood pressure that may lead to obstruction
in the respiratory tract.


 


•
Spine and Lower Extremity Fractures: Leg fractures that cause major external or internal bleeding and all kinds of spine fractures.


 


•
Decompression (Diving) Disease: The situation popularly called profiteering.


 


•
MI, Arrhythmia, Hypertension Crises: Current heart attack, types of heart rhythm disorder requiring urgent treatment, blood pressure,
cerebral hemorrhage, etc. increase to a level that could lead to serious situations.


 


•
Asthma Attack, Acute Respiratory Problems


 


•
All Kinds of Situations That Cause Unconsciousness


 


•
Sudden Paralysis


 


•
Serious General Situation Disorder: Deterioration of a person's health to an extent that may be dangerous in general due to reasons such
as old age, nutritional deficiency, inadequate care, prolonged serious illness, etc.


 


•
High Fever: Increased body temperature (39.5 °C and above on average) that may lead to convulsion (convulsion) or heart rhythm disorders
due to poisoning, infectious diseases, hot flushes, etc.


 


•
Diabetic and uremic Bleeding: Situations ranging from blurred consciousness caused by diabetes (diabetes) and kidney failure to complete
loss of consciousness (coma).


 


•
Dialysis Disease accompanied by General Condition Disorder


 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 12 / 22


 


     


    

 


•
Acute Abdomen: Situations requiring urgent intervention such as perforation, blockage or clogging of hollow organs such as stomach, intestine,
inflammation, etc.


 


•
Acute Massive Bleedings: Life-threatening internal or external bleeding, usually caused by trauma.


 


•
Meningitis, Encephalitis, Brain Abscess: Inflammatory and infectious diseases related to the membrane surrounding the brain and brain
that may affect vital functions due to nervous system functions.


 


•
Renal Colic: A condition caused by kidney stones, causing severe pain that may lead to urinary tract or kidney damage if progressed.


 


•
Acute Psychotic Tables: Neurological or psychological disorders leading to excessive aggression.


 


•
Migraine and/or Vomiting, Headaches with Loss of Consciousness


 


Newborn
Comas


 


•
Started Birth Activity (Emptying of Water Bladder)


 


Important
note:


 


The
above definitions have been made in a very simplified way in order to be guiding. It may not be possible from time to time for persons
without medical knowledge to make an emergency assessment solely on the basis of the above information or on the basis of information
communicated to them by a healthcare professional by telephone. Please note that whether his/her health condition constitutes an emergency
or not is based on physical examination.


 


Liabilities
of the Insured Regarding Liability Insurances


 


Within
the scope of the coverage given by this insurance, the Insurer has the right and authority to decide on the claims to be made to the
Insured.


 


The
Insured shall not, without the knowledge and consent of the Insurer, reconcile with any person or institution claiming compensation for
a loss covered by this policy or accept or acknowledge, pay compensation or make payment against such person or institutions in whole
or in part. If otherwise, the Insured loses all rights arising from the insurance and cannot benefit from the insurance protection in
any way.


 


In
relation to all claims constituting the subject matter of this policy, the insurer has absolute right to wait for the claim to result
in a final court decision or to settle with the claimant at any time over the amount it deems appropriate following his/her own evaluation.


 


If
the Insured refuses a solution proposed to him by the Insurer and elects to proceed with legal proceedings, then the Insurer's liability
shall be limited to the amount required to resolve this matter as recommended and also to the costs and expenses incurred with the Insurer's
approval until the date of such refusal.


 


The
Insured shall use its best endeavors to prevent or minimize any loss which may give rise to a claim under this policy as if it were not
insured;


 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 13 / 22


 


     


    

 


The
premium for this policy is calculated on the basis of the estimates provided by the insured and the insured shall retain all relevant
details and, if deemed necessary, allow the insurer to examine these records;


 


Other
Conditions:


 


		•	The
                                            Insurer pays to the insured the maximum amount payable under this policy or a lesser amount
                                            which is sufficient to resolve the incident and is not obliged to make any other payment;



 


		•	If
                                            any payment is made in respect of a claim under this insurance, it is agreed that the insurer
                                            shall take over all recourse rights of the insured;



 


		•	If
                                            the insured knowingly makes a false or fraudulent claim, this insurance shall be null and
                                            void and all claims for damages shall be reduced;



 


		•	This
                                            policy is valid provided that the insured is not aware of a claim for compensation or any
                                            event that may lead to a claim for compensation as of the date of commencement or issue;



 


		•	This
                                            policy has been issued on an incident basis and the date of return is the policy start date;



 


		•	This
                                            policy shall be valid provided that all laws, regulations, regulations and similar obligations
                                            regarding the activities subject to the guarantee and the manufacture, sale and distribution
                                            of the products are fully complied with. Claims for compensation for activities and products
                                            where these criteria are not fulfilled are outside the scope of the guarantee.



 


Other
Insurances:


 


If
a liability covered by this insurance is also covered by another insurance, this insurance constitutes' joint insurance 'together with
other insurances. In any case, if there is more than one policy issued by Anadolu Sigorta, the one with more coverage limit shall be
taken into consideration and Anadolu Sigorta shall be liable for all compensation claims up to this limit.


 


Collateral
Limits for Third Party Liability and Additional Guarantees


 


Per
Event: The liability of the Insurer for all compensation costs and legal expenses payable to persons claiming compensation in any event
shall not exceed the limit of compensation per event specified in the policy schedule.


 


Total
amount within the Insurance Period: The liability of the insurer for all compensation amounts and legal expenses that may be paid in
relation to events occurring within the policy period shall not exceed the total limit shown within the insurance period in the policy
schedule.


 


The
sum of compensation amounts payable within the policy period due to damages under this coverage, including additional coverages, shall
in no way exceed the total coverage limit per event specified in the policy and within the insurance period.


 


Third
Party Liability and Additional Guarantees Exemption Note


 


A
deductible exemption of TRY 250 shall be applied for each damage.


 


Third
Party Liability Damage Series Special Condition


 


In
order to determine the liability of the Insurer in relation to the events covered by the guarantee; all damages incurred as a result
of continuous or repeated exposure to a common and a single wasteful condition shall be treated as a single event regardless of the number
of real or legal persons making the claim and shall be deemed to have occurred within the compensation period in which the first event
occurred.


 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 14 / 22


 


     


    

 


Third
Party Liability Exceptions


 


This
policy does not cover claims arising from:


 


		•	Any
                                            liability for injuries and illnesses suffered by any person bound by a service or apprenticeship
                                            contract to the Insured;



 


		•	Liability
                                            arising from the operation of motor vehicles and trailers subject to compulsory insurance
                                            by law, ownership of such vehicles or the use of such vehicles by or on behalf of the insured;



 


		•	Liability
                                            arising in relation to an aircraft or craft manufactured for use on or in the water surface
                                            or in the air;



 


		•	Professional
                                            assistance or advice or service provided or neglected by the Insured;



 


		•	Liability
                                            for any financial/financial loss (pure financial loss) and any indirect loss (consequential
                                            loss) not caused by loss of property/property or bodily damage specified in the Coverage
                                            section;



 


		•	Delays
                                            in contractual obligations, failure to make shipments and claims for damages related thereto;



 


		•	The
                                            extended portion of liability in the event of the insured's liability being extended by contract;



 


Responsibilities
in connection with those below:


 


		•	Contamination
                                            with nuclear waste or nuclear fuel due to combustion of nuclear fuel



 


		•	Radioactive
                                            toxic explosion or other hazardous properties of explosive nuclear components



 


		•	Damages
                                            caused by asbestos, in whatever form or amount, or resulting directly or indirectly from
                                            the use of asbestos;



 


		•	Claims
                                            for compensation for war, civil war, revolution, terrorism, sabotage, strike and insurrection;



 


		•	Exemplary
                                            or punitive damages;



 


Claims
made by the insured to each other under this policy or


 


		•	A
                                            company in which the persons or employees of the insured acting on behalf of the insured
                                            or the insured are the managers, or



 


		•	A
                                            company managed or predominantly controlled by the Insured (affiliated company, etc.) or



 


		•	A
                                            company (parent company, partner office, etc.) that has a financial relationship with the
                                            operations of the Insured, or



 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 15 / 22


 


     


    

 


		•	Claims
                                            for compensation put forward by a company whose employees are involved in the operations
                                            of the Insured;



 


		•	Electromagnetic
                                            fields and electromagnetic radiation;



 


		•	Losses
                                            due to lead, cadmium, formaldehyde and toxic mold;



 


		•	Claims
                                            for compensation arising from gradual environmental pollution not caused by sudden and unexpected
                                            accidents



 


		•	Damages
                                            incurred after delivery due to defects in this product, work or service in relation to the
                                            product, work or services completed and delivered by the Insured to its customers.



 


		•	Responsibilities
                                            of the insured for damages arising from theft, theft, loss



 


		•	Claims
                                            for compensation to be assessed within the scope of Compulsory Financial Liability, Special
                                            Safety Compulsory Financial Liability and Marine Pollution Compulsory Financial Liability
                                            insurances of Coastal Facilities



 


		•	The
                                            claims made by the representative of the insured and the persons accustomed to the management,
                                            supervision and operation of the enterprise or part of the enterprise are not covered by
                                            the policy due to their violation of their obligations arising from the law and the articles
                                            of association during the management activities.



 


Elevator,
Escalator Liability Guarantee


 


Coverage
is extended as follows contrary to article "3-B.1” of the General Conditions of Financial Liability Insurance Against Third
Parties:


 


Claims
for compensation that may be put forward by third parties as a result of accidents that may occur in the elevator(s) used in the activity
written in the policy or in the building are added to the coverage. This additional guarantee is provided on the condition that the building
is fully used by the insured and that the elevator has an annual maintenance agreement.


 


Third
Party Liability Coverage


 


The
Insurer shall be liable for any damage caused by an incident occurring within the insurance period during the business activities of
the insured at the place specified in the policy as the Insurer's Address and the related activities carried out at various places within
the borders of the Republic of Turkey.


 


		•	Death,
                                            injury or deterioration of health of third parties,



 


		•	Material
                                            damage to third party goods



 


		•	Claims
                                            for non-pecuniary damages by third parties



 


For
these reasons, it guarantees the insured against the consequences of the claims to be made by third parties within the framework of the
special conditions written in the policy and the General Conditions of Financial Liability Insurance Against the related Third Parties.
Insurance coverage covers the liability of the insured within the framework of the provisions of the legislation on legal liability of
the Republic of Turkey due to the title, activity and legal relations shown in the policy and is limited to the amounts written in the
policy. The maintenance and maintenance of the buildings where the insured operates are also evaluated within the framework of the operating
activities of the insured and the damages arising from the building and the liability of the insured are also included in the coverage.
Liability to third parties does not include liability arising from the failure to provide commercial services to customers at all or
as required.


 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 16 / 22


 


     


    

 


Food
Poisoning Coverage


 


The
legal responsibilities of the insured for damages arising as a result of food poisoning caused by food and beverages offered at the premises
of the Insured are included in the coverage.


 


Advertisement
Board Liability Coverage Liabilities arising from damages arising from signs, boards, etc. in the workplace of the Insured are included
in the coverage.


 


Renovation
and Faulty Construction Coverage


 


The legal
responsibilities of the insured due to the material and physical damages that may be incurred by third parties during the repairs, renovation
and renovation works within the facility are included in the guarantee. This policy shall be valid provided that all laws, regulations
and similar obligations related to the activities subject to guarantee are fully complied with. Claims for compensation for activities
where these criteria are not met are outside the scope of the guarantee.


 


Extension
of Third Party Liability Coverage Given Together with SME Package Insurance Policies


 


The damages
to be caused to the third party goods under the supervision of the insured as a result of the commercial activity shown by the insured
at the risk address have been included in the coverage with a limit of TRY 150,000 per occurrence and annually provided that it does
not exceed the third party liability coverage limit in accordance with Article 3-A-8-a of the General Conditions of Financial Liability
Insurance against Third Parties.


 


Missing
Insurance Clause


 


The
maximum compensation to be paid as a result of any damage that may be covered by the insurance contract within the scope of Article A5
of the General Conditions of Fire Insurance shall be limited to the insurance amounts written in the policy. In case of partial damages,
if the difference between the insurance amount specified in the policy and the insurance value is 10% or less, missing insurance shall
not be applied, otherwise, this clause shall not apply and the provisions related to Article A5 of the General Conditions of Fire Insurance
shall be applied.


 


Special
Condition for Compensation Payments for Policies with a Currency of “TRY”


 


Compensation
amount to be paid will be calculated in "TRY".


 


Compensation
calculation will be done as follows:


 


		•	It
                                            is essential that the compensation amount is paid in TRY.



 





		•	If
                                            the amount on the invoice, proforma invoice, bid etc. subject to compensation payments is
                                            in foreign currency, the said amount;



 


		a.	If the
                                            damage has been replaced by the insured before the payment date, the amount on the invoice
                                            for compensation of the damage shall be paid at the Central Bank of Turkey foreign exchange
                                            selling rate on the invoice payment date.



 


		b.	If the
                                            damage has not been replaced by the insured until the payment date, the amount on the proforma
                                            invoice, offer, etc. document is converted to TRY at the exchange rate of the Central Bank
                                            of Turkey on the date of compensation payment.



 


		•	If
                                            the currency of the exemption in the policy is different from TRY, the exemption amount to
                                            be applied in TRY is calculated on the basis of the exchange rate of the Central Bank of
                                            Turkey at the date of the damage. 



 



 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 17 / 22


 


     


    

 


Expert
Appointment Clause


 


In
case of possible damages, the insurer shall appoint the expert and the insurer shall pay the expert fee.


 


However,
if the insured also wishes to exercise his/her right to appoint an expert; the Insured must forward his/her request for appointing an
expert to the insurer in writing and the entire fee of the expert appointed by the insured must be paid by the insured.


 


Special
Condition Regarding Damage


 


When
the damage occurs, the compensation can only be paid as a result of the examination and determination of entry and exit and inventory
records and all other documents. The Insured shall not claim any compensation for commodities or fixtures for which it cannot prove its
existence with a document. This issue has been agreed between the parties.


 


Prohibition
of Changes to Damage Areas and/or Things


 


The
Insurer shall not make any changes that will make it difficult or prevent the determination of the cause of the damage or the amount
of damage to the property and the place subject to the damage before the damage is determined. This change can only be made with the
approval of the insurer or for the purpose of reducing the loss. In case of defective breach of this obligation, if there is a causality
between the breach and the loss, the compensation shall be reduced according to the severity of the defect.


 


Obligation
to Report Damage


 


When
the Insurer learns that the risk has occurred, it informs the insurer without delay.


 


If
failure to notify the occurrence of the risk or late notification has caused an increase in the compensation or price to be paid, a deduction
shall be made from the compensation or price according to the severity of the defect.


 


Policy
Scope


 


The
insurance coverage provided to the insured by this policy is limited to the matters specified in the policy and the product booklet/general
condition/special condition/clauses. No circumstance other than those expressly envisaged to be included in the guarantee is under insurance
protection, even if it is not counted separately among the cases excluded from the guarantee.


 


It
is obligatory to document the matters that were entitled to premium discount upon the declaration of the insurer at the time of the contract
in case of damage. Otherwise, deduction shall be made from the damage payable at the rate of premium discount in accordance with the
relevant article of the General Conditions of Insurance.


 


While
the damage compensation is paid, the entire remaining premium debt is deducted from the compensation.


 


Certification
of Payment: All receipts and similar documents given to you in return for your payments must be submitted to our company in order to
pay your damage.


 


You
can submit your suggestions on www.anadolusigorta.com.tr "Your Requests and Complaints" form, "My Insurance is in Mobile"
mobile application or at bilgi@anadolusigorta.com.tr.


 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 18 / 22


 


     


    

 





Premium
Payments and Policy Cancellation Clause


 


In
cases where it is decided to pay the premium and premium debt in installments at once in accordance with this policy, the portion of
the premium that should be paid first shall be paid at the latest upon delivery of the policy after the contract is concluded. The place
of payment of the insurance premium is any Türkiye İş Bankası Branch, General Directorate or Regional Directorates
of Anadolu Sigorta or the authorized agency that has mediated the establishment of the insurance contract. Premium payment can be made
by bank receipt, in cash against receipt in the agencies authorized to collect premiums, by credit card, by using the interactive transactions
invoice instruction method of Türkiye İş Bankası or by wire transfer. Payments made to places other than these or
by methods other than those listed above shall not eliminate the premium debt. If the transfer is made, the first premium shall be deemed
to have been paid as soon as the amount transferred is transferred to the insurer's free accounts and the liability of the insurer shall
commence at that time. In cases where it is decided by the insurer to pay the first instalment (advance payment) or all of the premium
by credit card and to give the insurer time to collect this amount from the credit card, the liability of the insurer shall begin with
the withdrawal of the first instalment (down payment) or all of it from the credit card on the agreed day. In case of blocked payment
by credit card, payment shall be deemed to have been made immediately upon blocking the provision of premium receivable from the credit
card.


 


The
dates on which the next installments following the first part of the premium will be paid are specified on the policy. If the insurer
has not paid on this date, it will default and the insurer may terminate the insurance contract by using its rights related to the default.


 


In
the event that the insurance contract is terminated due to default in paying the premium debt, the premium corresponding to the period
for which the liability of the insurer continues shall be calculated on the basis of the day and the excess shall be returned to the
insurer. 



 


Insurance
Information Center Note


 


Persons
who will or will be covered by insurance are deemed to have consented to the acquisition of health information, insurance records and
other information from the Insurance Information and Surveillance Center (SBGM), the Social Security Institution, the Ministry of Health,
health institutions and organizations and insurance companies and to the sharing of the said information and records with the company
with SBGM, insurance companies and authorities authorized in the relevant legislation in order to make a risk assessment by signing the
relevant documents and to finalize the compensation applications.


 


Notice
of Right of Withdrawal


 


Pursuant
to the provisions of the Law on the Protection of Consumers and the related legislation, the Insurer who has not taken out the insurance
for commercial or professional purposes (having the characteristics of a consumer) may exercise the right of withdrawal within 14 days
in distance contracts related to financial services and 7 days in installment sales contracts without giving any justification and paying
penal clause after the establishment of the contract. The notification of the right of withdrawal must be sent to bilgi@anadolusigorta.com.tr
by filling out the declaration form at www.anadolusigorta.com.tr or with an explicit declaration. The right of withdrawal may not be
used in insurance contracts with a period of validity of less than one month and in installment insurance contracts where the insurance
coverage begins with the approval of the insurer. In installment insurance contracts, the insurer who pays the first installment is deemed
to have approved the start of the insurance coverage. The premium amount collected in distance insurance contracts shall be refunded
upon receipt of the notice of withdrawal. The provisions of special legislation shall apply to compulsory insurances.


 


Product
Promotion Permit


 


We
would like your permission to inform you about our price advantages, campaigns, to pay for your damages faster and to offer you attractive
opportunities, in short, to provide you with faster and better service. You can contact us at online.anadolusigorta.com.tr to continue
to receive SMS, e-mail, telephone information, campaign, product/service promotion messages for free and to update your permission information.


 


Digital
Sales Note


 


You
can easily access many insurance services that will make your life easier through our Individual Internet Branch and our mobile insurance
application, Sigortam Cepte.


 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 19 / 22


 


     


    

 


Cyber
Attack Exception Clause


 


This
insurance policy excludes damages, losses, liabilities and expenses caused or contributed directly or indirectly by computers, computer
systems, software programs, malicious software, computer virus, computer operations or similar electronic systems or arising from the
harmful use of such program/systems.


 


Special
Condition for Real Rights


 


If
the insurer/insured requests compensation from the insurer in the event that the property subject to the insurance is a real or legal
loss, it shall mean that the insurer/insured has given assurance against the insurer that no other person has the same right on the property
subject to the insurance. In this case, the insurer shall be deemed to be entitled to pay the insurance indemnity to the insurer/insured
without conducting any research on the right holders in kind in its relationship with the insurer/insured. However, if a claim is made
by third parties claiming that they have the same right after the said payment, the insurer/insured accepts and undertakes to return
the compensation received to the insurer in cash and in a single sum in the first request.


 


Sanctions
Clause


 


It
is not possible for governments of countries sanctioned by the United Nations Security Council (UNSC), the European Union, the United
Kingdom and the United States, persons and companies who are nationals/origins of these countries and/or resident in these countries
to be entitled to this insurance contract from the beginning or in any way afterwards. Even if the governments of these countries, persons
and companies who are nationals/origin of these countries and/or reside in these countries are shown as insurers, insured, pledged creditors
or other right holders in this policy, or if the benefit subject to insurance has started to belong to them afterwards or if the rights
arising from insurance have been transferred or transferred to them in any way, the insurance company shall be released from the obligation
to provide and pay all kinds of guarantees and shall not be held liable in any way.


 


This
sanction clause applies to sanctions in force at the time of payment by the insurer, not at the time of the occurrence of the risk.


 


Epidemic
and Infectious Disease Exemption Clause


 


With
this clause, all losses, damages and related direct and/or indirect job losses, whether caused directly and/or indirectly by epidemics
and/or infectious diseases or caused by the fear and threat of epidemics and/or infectious diseases, whether real or rumored, and all
direct or indirect costs arising from the closure, restriction or obstruction of access by the public authority in relation to any contamination/decontamination/disinfection
caused directly or indirectly by the epidemic and/or infectious disease are excluded.


 


Definitions


 


The
transmission of a disease from one organism to another through any active substance has been defined as an Infectious Disease in the
context of:


 


		1.	A virus, bacteria,
                                            parasites or other organisms, or any derivative thereof, living or non-living, are defined
                                            as active substances.



 


		2.	Transmission
                                            between organisms, whether direct or indirect, by air, with body fluids, from any object
                                            or surface to another, solid, liquid or gas, is defined as the route of transmission.



 


		3.	Disease, drug substance; may harm or threaten
                                            human health or well-being, or may damage or threaten property with deterioration, impairment,
                                            loss of market or function.



 





 



 
* LESSOR’s Financial Liability Insurance policy


 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 20 / 22


 


     


    

 



ANNEX
14: Environmental study report made before the start date of the lease agreement in the place subject to the lease


 






    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 21 / 22


 


     


    

 



This agreement consists of 8 (eight) main articles and 14 (fourteen)
annexes and this agreement has been signed by the parties on 10/08/2020 as 2 (two) original copies indicating that the immovable subject
to lease was leased with the consent of the two parties and under the conditions written above.


 


	LESSOR	 	LESSEE
	 	 	 
	A. Vedat Yakupoğlu Gayrimenkul Yatırımcılığı	 	D-MARKET Elektronik ve Ticaret A.Ş.
	 	 	 
	/s/ A. Vedat Yakupoğlu Gayrimenkul Yatırımcılığı	 	/s/ D-MARKET Elektronik ve Ticaret A.Ş.


 












    
	ANADOLU ANONİM TÜRK SİGORTA ŞİRKETİ	 
	Policy No: 105215621	Page: 22 / 22