The Banking Regulation and Supervision Agency (the “BRSA”) issued a decision on 30 September 2010 numbered 3873 (published in the Official Gazette dated 2 October 2010 and numbered 27717) permitting development and investment banks to issue payment instruments, such as credit cards, traveller’s cheques and bank cards, provided that bank cards are attached to the investment accounts or funds obtained from their own borrowers, shareholders or partnerships, and to perform any transactions in relation thereto subject to the condition that the development and investment banks obtain activity expansion permission from the BRSA as required under the Provisional Article 3 of the Banking Law No. 5411 (“Banking Law”) and comply with the restrictions set forth under Articles 31 and 60 of the Banking Law.