5510\/4.1\/C KAMU \u0130DARELER\u0130 <\/strong><\/p>\n GRUBA BA\u011eLI B\u0130REYSEL EMEKL\u0130L\u0130K S\u00d6ZLE\u015eMES\u0130<\/strong><\/p>\n Z\u0130RAAT HAYAT VE EMEKL\u0130L\u0130K A.\u015e.<\/strong><\/a><\/p>\n \u00a0 \u00a0\u00a00KS S\u00d6ZLE\u015eME NO:\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0PLAN ADI PLAN NO:<\/strong><\/p>\n G\u0130R\u0130\u015e B\u0130LG\u0130 FORMU_ 1<\/p>\n OTOMAT\u0130K KATILIM GRUP EMEKL\u0130L\u0130K S\u00d6ZLE\u015eMES\u0130 TEKL\u0130F FORMU_ 2<\/p>\n MADDE 1- TARAFLAR_ 3<\/p>\n MADDE 2- TANIMLAR_ 3<\/p>\n MADDE 3- S\u00d6ZLE\u015eMEN\u0130N KONUSU_ 4<\/p>\n MADDE 4-OTOMAT\u0130K KATILIM GRUBA BA\u011eLI B\u0130REYSEL EMEKL\u0130L\u0130K S\u00d6ZLE\u015eMES\u0130 KAPSAMINA ALINACAK \u00c7ALI\u015eANLAR VE \u015e\u0130RKETE B\u0130LD\u0130R\u0130M\u0130 4<\/p>\n 4.1. KAPSAMA ALINACAK \u00c7ALI\u015eANLAR_ 4<\/p>\n 4.2. S\u0130STEME TEKRAR DAH\u0130L ED\u0130LME_ 5<\/p>\n 4.3. \u0130\u015eTEN \u00c7IKI\u015eLARIN B\u0130LD\u0130R\u0130LMES\u0130 5<\/p>\n 4.4. \u00c7ALI\u015eANLARIN \u015e\u0130RKETE B\u0130LR\u0130R\u0130M\u0130 6<\/p>\n MADDE 5-S\u00d6ZLE\u015eME\/SERT\u0130F\u0130KALARIN D\u00dcZENLENMES\u0130 VE G\u00d6NDER\u0130LMES\u0130 6<\/p>\n 5.1. S\u00d6ZLE\u015eMEN\u0130N D\u00dcZENLENMES\u0130 VE \u0130\u015eVERENE G\u00d6NDER\u0130LMES\u0130 6<\/p>\n 5.2. \u00c7ALI\u015eAN SERT\u0130F\u0130KALARININ D\u00dcZENLENMES\u0130 VE G\u00d6NDER\u0130LMES\u0130 6<\/p>\n MADDE 6- KATKI PAYI TUTARININ HESAPLANMASI ve DE\u011e\u0130\u015eT\u0130R\u0130LMES\u0130 6<\/p>\n 6.1. KATKI PAYI TUTARININ HESAPLANMASI 6<\/p>\n 6.2. KATKI PAYI TUTARININ DE\u011e\u0130\u015eT\u0130R\u0130LMES\u0130 7<\/p>\n MADDE 7- KATKI PAYININ \u00d6DENMES\u0130NE \u0130L\u0130\u015eK\u0130N MUTABAKAT S\u00dcREC\u0130 ve \u00d6DEME ESASLARI 7<\/p>\n 7.1.KATKI PAYI MUTABAKAT S\u00dcREC\u0130 7<\/p>\n 7.2.KATKI PAYI \u00d6DEME ESASLARI 8<\/p>\n 7.3. MAHSUPLA\u015eMA \u015eEKL\u0130 \u0130LE \u00d6DEME_ 8<\/p>\n MADDE 8- KATKI PAYININ \u00d6DENMEMES\u0130 DURUMU_ 9<\/p>\n MADDE 9- KATKI PAYI \u00d6DEMEYE ARA VERME HAKKI VE S\u00dcRES\u0130 9<\/p>\n MADDE 10 \u2013 \u0130\u015eVEREN KATKI PAYI \u00d6DEMES\u0130 10<\/p>\n MADDE 11- OTOMAT\u0130K KATILIM \u0130\u015eVEREN GRUBA BA\u011eLI B\u0130REYSEL EMEKL\u0130L\u0130K S\u00d6ZLE\u015eMES\u0130 KAPSAMINDA YAPILACAK KES\u0130NT\u0130LER\u00a0 10<\/p>\n 11.1.S\u00d6ZLE\u015eME FONLARI VE FON \u0130\u015eLET\u0130M G\u0130DER KES\u0130NT\u0130S\u0130 10<\/p>\n 11.2. S\u00d6ZLE\u015eME KAPSAMINDA YAPILAN KES\u0130NT\u0130LER\u0130N DE\u011e\u0130\u015eT\u0130R\u0130LMES\u0130 11<\/p>\n MADDE 12- S\u00d6ZLE\u015eMEDE YER ALAN HAKLAR_ 11<\/p>\n 12.1 PLAN DE\u011e\u0130\u015e\u0130KL\u0130\u011e\u0130 HAKKI 11<\/p>\n 12.2 FON DA\u011eILIMI ve DE\u011e\u0130\u015e\u0130KL\u0130\u011e\u0130 HAKKI 11<\/p>\n 12.3 B\u0130R\u0130K\u0130MLER\u0130N AKTARIMI HAKKI 12<\/p>\n MADDE 13- \u0130\u015eVEREN KURULU\u015eA YAPILACAK \u00d6DEMELER_ 13<\/p>\n MADDE 14- GENEL H\u00dcK\u00dcMLER_ 13<\/p>\n 14.1.\u00a0 6698 SAYILI KANUN KAPSAMINDA B\u0130LG\u0130LEND\u0130RME VE ONAY SORUMLULU\u011eU_ 13<\/p>\n 14.2. \u00a0VER\u0130 PAYLA\u015eIMI 13<\/p>\n 14.3. S\u00d6ZLE\u015eMEN\u0130N DE\u011e\u0130\u015eT\u0130R\u0130LMES\u0130 13<\/p>\n 14.4. TEBL\u0130GAT ADRES\u0130 14<\/p>\n 14.5. UYGULANACAK HUKUK VE MEVZUAT_ 14<\/p>\n 14.6. UYU\u015eMAZLIKLARIN \u00c7\u00d6Z\u00dcM\u00dc_ 14<\/p>\n 14.7. OTOMAT\u0130K KATILIM \u0130\u015eVEREN GRUBA BA\u011eLI B\u0130REYSEL EMEKL\u0130L\u0130K S\u00d6ZLE\u015eMES\u0130 CAYMA HAKKI 14<\/p>\n 14.8. OTOMAT\u0130K KATILIM GRUBA BA\u011eLI B\u0130REYSEL EMEKL\u0130L\u0130K S\u00d6ZLE\u015eMES\u0130N\u0130N VE S\u0130STEME DAH\u0130L ED\u0130LEN KATILIMCIYA A\u0130T S\u00d6ZLE\u015eMEN\u0130N Y\u00dcR\u00dcRL\u00dc\u011eE G\u0130RMES\u0130 15<\/p>\n 14.9. OTOMAT\u0130K KATILIM \u0130\u015eVEREN GRUBA BA\u011eLI B\u0130REYSEL EMEKL\u0130L\u0130K S\u00d6ZLE\u015eMES\u0130N\u0130N SONA ERMES\u0130 15<\/p>\n 14.10. DO\u011eRULUK KAPSAYICILIK VE B\u0130LG\u0130LEND\u0130R\u0130LME BEYANI 15<\/p>\n EKLER_ 16<\/p>\n EK-1 KATILIMCI VER\u0130 DESEN\u0130 16<\/p>\n EK- 2 TAHS\u0130LAT VER\u0130 DESEN\u0130 17<\/p>\n EK- 3 S\u00d6ZLE\u015eME KAPSAMINDA SUNULAN FONLAR_ 21<\/p>\n EK- 4 EK FAYDA UYGULAMALARI 22<\/p>\n EK- 5 G\u0130ZL\u0130L\u0130K ANLA\u015eMASI 23<\/p>\n G\u0130R\u0130\u015e B\u0130LG\u0130 FORMU<\/p>\n \u00a0(Bu s\u00f6zle\u015fme kapsam\u0131nda olu\u015fturulan giri\u015f bilgi formu s\u00f6zle\u015fmenin bir par\u00e7as\u0131 olup, ayr\u0131ca imzalanmas\u0131na gerek bulunmamaktad\u0131r.)<\/strong><\/p>\n Emeklilik \u015firketinin se\u00e7imini hangi kriterlere g\u00f6re yapmal\u0131y\u0131m?<\/strong><\/p>\n Fonlar\u0131n se\u00e7iminde \u0130\u015fveren olarak \u00fcstlenmem gereken sorumluluklar nelerdir?<\/strong><\/p>\n Katk\u0131 pay\u0131n\u0131n \u00f6denmesinde i\u015fveren olarak herhangi bir sorumlulu\u011fum var m\u0131?<\/strong><\/p>\n Katk\u0131 paylar\u0131 emeklilik \u015firketine ne zaman aktar\u0131l\u0131r?<\/strong><\/p>\n Katk\u0131 pay\u0131n\u0131n \u00f6denmesinde esas al\u0131nacak olan oran nedir?<\/strong><\/p>\n \u0130\u015fveren olarak y\u00fck\u00fcml\u00fcl\u00fcklerimi emeklilik \u015firketine aktarabilir miyim?<\/strong><\/p>\n \u0130\u015fveren y\u00fck\u00fcml\u00fcl\u00fcklerini yerine getirmemesi durumunda herhangi bir yapt\u0131r\u0131ma tabi tutulur mu? <\/strong><\/p>\n Otomatik kat\u0131l\u0131m sistemi kapsam\u0131nda Devlet taraf\u0131ndan \u00e7al\u0131\u015fanlara verilecek olan te\u015fvikler nelerdir?<\/strong><\/p>\n sa\u011flanaca\u011f\u0131n\u0131 biliyorum.<\/p>\n <\/a>MADDE 1- TARAFLAR<\/p>\n \u2018Otomatik Kat\u0131l\u0131m Gruba Ba\u011fl\u0131 Bireysel Emeklilik S\u00f6zle\u015fmesi\u2019nin taraflar\u0131 Nasuh Akar Mahallesi Ziya Bey Caddesi 1407 Sokak No.4 \u00c7ankaya \/ ANKARA adresinde kurulu T\u00fcrkiye Kamu Hastaneleri Kurumu Merkez ve Ta\u015fra Te\u015fkilatlar\u0131 <\/strong>\u00a0ile (s\u00f6zle\u015fme metninde \u0130\u015eVEREN diye an\u0131lacakt\u0131r.) Turgut \u00d6zal Millet Caddesi No:7 34096 Aksaray \/ \u0130STANBUL adresinde ikamet eden Z\u0130RAAT HAYAT ve EMEKL\u0130L\u0130K A.\u015e. (s\u00f6zle\u015fme metninde \u015e\u0130RKET diye an\u0131lacakt\u0131r.)\u2019dir.<\/p>\n <\/a>MADDE 2- TANIMLAR<\/p>\n Bu s\u00f6zle\u015fmede ge\u00e7en;<\/p>\n a) \u0130\u015fveren:\u00a0 \u00c7al\u0131\u015fanlar\u0131 ad\u0131na, 4632 Say\u0131l\u0131 Kanun\u2019a 6740 say\u0131l\u0131 Kanunla eklenen \u2018Ek-2′ madde\u00a0 kapsam\u0131nda,\u00a0 Bakanlar Kurulu taraf\u0131ndan belirlenen ve\u00a0 \u015e\u0130RKET ile Otomatik Kat\u0131l\u0131m Gruba Ba\u011fl\u0131 Bireysel Emeklilik S\u00f6zle\u015fmesi imzalayan,\u00a0 5510 say\u0131l\u0131 kanunun 4.1\/c bendi kapsam\u0131nda personel istihdam eden kamu idaresini, i\u015f bu s\u00f6zle\u015fmede T\u00fcrkiye Kamu Hastaneleri Kurumu\u2019nu<\/strong>,<\/p>\n b) Otomatik Kat\u0131l\u0131m Gruba Ba\u011fl\u0131 Bireysel Emeklilik Plan\u0131: \u015eirket\u2019in Otomatik Kat\u0131l\u0131m kapsam\u0131nda \u0130\u015fveren\u2019e sundu\u011fu \u2018Gruba Ba\u011fl\u0131 Bireysel Emeklilik Plan\u0131\u2019n\u0131,<\/p>\n c) \u00c7al\u0131\u015fan(Kat\u0131l\u0131mc\u0131) : T\u00fcrk vatanda\u015f\u0131 veya 5901 say\u0131l\u0131 T\u00fcrk Vatanda\u015fl\u0131\u011f\u0131 Kanunu\u2019nun 28 inci maddesi kapsam\u0131nda (Mavi Kart Sahibi) olup k\u0131rk be\u015f ya\u015f\u0131n\u0131 doldurmam\u0131\u015f olanlardan, 5510 say\u0131l\u0131 Sosyal Sigortalar ve Genel Sa\u011fl\u0131k Sigortas\u0131 Kanununun 4 \u00fcnc\u00fc maddesinin birinci f\u0131kras\u0131n\u0131n (c) bendine g\u00f6re istihdam edilen 45 ya\u015f\u0131n\u0131 doldurmam\u0131\u015f personeli,<\/p>\n d) G\u00fcvenli Elektronik \u0130leti\u015fim Arac\u0131: K\u0131sa mesaj, elektronik posta, internet, telefon, faks gibi saklanabilir her t\u00fcrl\u00fc ileti\u015fim y\u00f6ntemini,<\/p>\n e) G\u00fcvenli Sayfa: \u0130\u015fveren ad\u0131na, \u015eirket\u2019in internet sitesi \u00fczerinde olu\u015fturulan s\u00f6zle\u015fme ile ilgili i\u015flemlerin yerine getirildi\u011fi kullan\u0131c\u0131 ad\u0131\/\u015fifre ile girilebilen g\u00fcvenli i\u015flem alan\u0131n\u0131,<\/p>\n f) Kal\u0131c\u0131 Veri Saklay\u0131c\u0131s\u0131: Kat\u0131l\u0131mc\u0131n\u0131n kendisine g\u00f6nderilen bilgiyi, bu bilginin amac\u0131na uygun olarak makul bir s\u00fcre incelemesine elverecek \u015fekilde kaydedilmesini ve de\u011fi\u015ftirilmeden kopyalanmas\u0131n\u0131 sa\u011flayan ve bu bilgiye aynen ula\u015f\u0131lmas\u0131na imk\u00e2n veren k\u0131sa mesaj, elektronik posta, internet, CD, DVD, haf\u0131za kart\u0131 ve benzeri her t\u00fcrl\u00fc ara\u00e7 veya ortam\u0131,<\/p>\n g) Kat\u0131l\u0131mc\u0131 Veri Deseni: \u00c7al\u0131\u015fan\u0131n otomatik kat\u0131l\u0131m sistemine dahil edilebilmesine y\u00f6nelik olarak kat\u0131l\u0131mc\u0131 ki\u015fisel bilgileri ile yat\u0131r\u0131m tercihini i\u00e7eren \u0130\u015fveren taraf\u0131ndan \u015eirket\u2019e\u00a0 iletilmesi gereken bilgileri, bilgi formunu,<\/p>\n h) Katk\u0131 Pay\u0131: \u00c7al\u0131\u015fan\u0131n 5434 say\u0131l\u0131 Kanunda yer alan emeklilik kesene\u011fine esas ayl\u0131k kazanc\u0131n\u0131n %3\u2019 \u00fcne kar\u015f\u0131l\u0131k gelen ve Bakanlar Kurulu Karar\u0131 ile iki kat\u0131na kadar art\u0131r\u0131labilen \u00a0yada %1 e kadar indirilebilen, \u00e7al\u0131\u015fan ad\u0131na \u00fccretinden kesinti yap\u0131larak Kanun ve Emeklilik plan\u0131 kapsam\u0131nda \u015eirket\u2019e aktar\u0131lmas\u0131\/\u00f6denmesi gereken katk\u0131 pay\u0131 tutar\u0131n\u0131,<\/p>\n \u0131) Muhtemel \u00dccret \u00d6deme G\u00fcn\u00fc: \u0130\u015fveren\u2019in \u00e7al\u0131\u015fanlar\u0131na yapt\u0131\u011f\u0131 \u00fccret \u00f6demelerine ili\u015fkin \u015eirket\u2019e\u00a0 bildirdi\u011fi\/bildirece\u011fi\u00a0 \u00f6deme g\u00fcn\u00fc\/g\u00fcnlerini,<\/p>\n i) Otomatik Kat\u0131l\u0131m Gruba Ba\u011fl\u0131 Bireysel Emeklilik S\u00f6zle\u015fmesi: 4632 Say\u0131l\u0131 Kanun\u2019a 6740 say\u0131l\u0131 Kanun\u2019la eklenen \u2018Ek-2\u2019 madde kapsam\u0131nda, \u0130\u015fveren ile \u015eirket aras\u0131nda d\u00fczenlenen ve \u0130\u015fveren taraf\u0131ndan \u00e7al\u0131\u015fan kat\u0131l\u0131mc\u0131n\u0131n \u00fccretinden kesilerek, \u00e7al\u0131\u015fan ad\u0131na katk\u0131 pay\u0131 aktar\u0131lan\/\u00f6denen i\u015f bu s\u00f6zle\u015fmeyi,<\/p>\n j) Tahsilat Veri Deseni: \u00c7al\u0131\u015fana ait katk\u0131 pay\u0131 tutar\u0131n\u0131n \u0130\u015fveren taraf\u0131ndan \u015eirket\u2019e iletilmesi i\u00e7in gereken bilgileri, bilgi formunu,<\/p>\n k) Otomatik Kat\u0131l\u0131m Gruba Ba\u011fl\u0131 Bireysel Emeklilik Sertifikas\u0131: Grup emeklilik plan\u0131 genel esaslar\u0131 ile sistemin i\u015fleyi\u015fine ve s\u00f6zle\u015fmeye ili\u015fkin \u00f6zet bilgileri i\u00e7eren, her bir kat\u0131l\u0131mc\u0131\/\u00e7al\u0131\u015fan i\u00e7in ayr\u0131 ayr\u0131 d\u00fczenlenen belgeyi,<\/p>\n l) \u015eirket:\u00a0 Ziraat Hayat ve Emeklilik A.\u015e.\u2019yi,\u00a0 ifade eder.<\/p>\n <\/a>MADDE 3- S\u00d6ZLE\u015eMEN\u0130N KONUSU<\/p>\n \u0130\u015fveren\u2019e ait i\u015fyeri ve\/veya i\u015fyerlerinde 5510 say\u0131l\u0131 kanunun 4.\u00fcnc\u00fc maddesinin 1.inci f\u0131kras\u0131n\u0131n (c) bendi kapsam\u0131nda \u00e7al\u0131\u015fanlar\u0131n\/\u00e7al\u0131\u015fmaya ba\u015flayacaklar\u0131n, \u0130\u015fveren taraf\u0131ndan \u00fccretlerinden kesilerek \u015eirket\u2019e aktar\u0131lacak\/\u00f6denecek katk\u0131 paylar\u0131 ile otomatik olarak Bireysel Emeklilik Sistemi’ne girmesine, katk\u0131 paylar\u0131n\u0131n \u00f6denmesine, yap\u0131lacak \u00f6demelere ili\u015fkin \u00f6deme g\u00fcn\u00fc ve mutabakat s\u00fcre\u00e7lerine,\u00a0 ilgililere yap\u0131lacak iade ve \u00f6deme esaslar\u0131na, \u00e7al\u0131\u015fanlara ait g\u00fcncel verilerin tutulmas\u0131na, ilgililere yap\u0131lacak bildirimler ile taraflar\u0131n di\u011fer hak ve y\u00fck\u00fcml\u00fcl\u00fcklerine ili\u015fkin esaslar\u0131n belirlenmesidir.<\/p>\n <\/a>4.1. KAPSAMA ALINACAK \u00c7ALI\u015eANLAR<\/p>\n Otomatik Kat\u0131l\u0131m Gruba Ba\u011fl\u0131 Bireysel Emeklilik S\u00f6zle\u015fmesi kapsam\u0131na, \u0130\u015fveren nezdinde 5510 say\u0131l\u0131 yasan\u0131n 4.1\/c bendi kapsam\u0131nda istidam edilen \u00e7al\u0131\u015fanlar\/\u00e7al\u0131\u015fmaya ba\u015flayacak olanlar d\u00e2hil edilecektir.<\/p>\n \u0130\u015fveren, s\u00f6zle\u015fme kapsam\u0131na girecek ki\u015fileri belirleme hakk\u0131na sahip olmay\u0131p,<\/p>\n a) 5018 Say\u0131l\u0131 Kamu Mali Y\u00f6netimi ve Kontrol Kanunun eki (I),(II),(III) ve (IV) say\u0131l\u0131 cetvelde yer alan kamu idarelerinde,<\/strong><\/p>\n 01.04.2017 tarihi itibari ile 45 ya\u015f\u0131n\u0131 doldurmam\u0131\u015f olan ve halen \u00e7al\u0131\u015fmakta olanlar ile 01.04.2017 ve sonras\u0131nda i\u015fe ba\u015flayan\/ba\u015flayacak 45 ya\u015f\u0131n\u0131 doldurmam\u0131\u015f olan \u00e7al\u0131\u015fanlar otomatik ve zorunlu olarak s\u00f6zle\u015fme kapsam\u0131na dahil edilecektir.<\/p>\n b.1.) 5018 Say\u0131l\u0131 Kamu Mali Y\u00f6netimi ve Kontrol Kanunun eki (I),(II),(III) ve (IV) say\u0131l\u0131 cetvelde yer alan kamu idarelerinin \u00f6denmi\u015f sermayesinin %50\u2019sinden fazlas\u0131na sahip olduklar\u0131 ortakl\u0131k ve i\u015fletmelerden T\u00fcrk Ticaret Kanununa tabi olmayanlar,<\/strong><\/p>\n b.2.)Belediye, \u0130l \u00d6zel \u0130daresi ile bunlara ba\u011fl\u0131 veya bunlar\u0131n kurduklar\u0131 veya \u00fcye olduklar\u0131 birlik ve idareler,<\/strong><\/p>\n b.3.)\u00a0 Belediye, \u0130l \u00d6zel \u0130daresi ile bunlara ba\u011fl\u0131 veya bunlar\u0131n kurduklar\u0131 veya \u00fcye olduklar\u0131 birlik ve idarelerin \u00f6denmi\u015f sermayesinin %50\u2019sinden fazlas\u0131na sahip olduklar\u0131 ortakl\u0131k ve i\u015fletmelerden T\u00fcrk Ticaret Kanununa tabi olmayanlar,<\/strong><\/p>\n b.4.) Kamu \u0130ktisadi Te\u015febb\u00fcsleri ile bunlar\u0131n ba\u011fl\u0131 idare, ortakl\u0131k m\u00fcessese ve i\u015fletmeleri,<\/strong><\/p>\n b.5.) Kamu \u0130ktisadi Te\u015febb\u00fcsleri ile bunlar\u0131n ba\u011fl\u0131 idare, ortakl\u0131k m\u00fcessese ve i\u015fletmelerinin \u00f6denmi\u015f sermayesinin %50\u2019sinden fazlas\u0131na sahip olduklar\u0131 ortakl\u0131k ve i\u015fletmelerden T\u00fcrk Ticaret Kanununa tabi olmayanlar,<\/strong><\/p>\n b.6.) \u00d6zel Kanunlar\u0131na G\u00f6re personel \u00e7al\u0131\u015ft\u0131ran di\u011fer kamu kurumlar\u0131nda;<\/strong><\/p>\n 01.01.2018 tarihi itibari ile 45 ya\u015f\u0131n\u0131 doldurmam\u0131\u015f olan ve halen \u00e7al\u0131\u015fmakta olanlar ile 01.01.2018 ve sonras\u0131nda i\u015fe ba\u015flayan\/ba\u015flayacak 45 ya\u015f\u0131n\u0131 doldurmam\u0131\u015f olan \u00e7al\u0131\u015fanlar otomatik ve zorunlu olarak s\u00f6zle\u015fme kapsam\u0131na dahil edilecektir.<\/p>\n \u0130\u015fveren, bu kapsamda yer alacak \u00e7al\u0131\u015fanlara ili\u015fkin, bireysel emeklilik hesab\u0131 a\u00e7\u0131lmas\u0131na dair yat\u0131r\u0131m tercihine ili\u015fkin bilgiler d\u00e2hil t\u00fcm bilgileri eksiksiz olarak ilgili d\u00f6neme ait \u00fccret \u00f6deme g\u00fcn\u00fcnden \u00f6nce katk\u0131 pay\u0131 kesintisi yap\u0131labilecek \u015fekilde \u015eirket\u2019e iletmekle y\u00fck\u00fcml\u00fcd\u00fcr. \u015eirket \u0130\u015fveren taraf\u0131ndan iletilen bilgilere istinaden bireysel emeklilik hesab\u0131 a\u00e7ar.<\/p>\n <\/a>4.2. S\u0130STEME TEKRAR DAH\u0130L ED\u0130LME<\/p>\n Emeklilik G\u00f6zetim Merkezi taraf\u0131ndan her takvim y\u0131l\u0131 sonunda, bir \u00f6nceki takvim y\u0131l\u0131nda bir i\u015fyerine ba\u011fl\u0131 emeklilik plan\u0131ndan ayr\u0131lan \u00e7al\u0131\u015fanlardan ayn\u0131 i\u015fyerinde \u00e7al\u0131\u015fmaya devam eden ve m\u00fcteakip Nisan ay\u0131 sonu itibar\u0131yla k\u0131rk be\u015f ya\u015f\u0131n\u0131 doldurmayacak olanlar tespit edilerek ilgili emeklilik \u015firketine bir ay i\u00e7erisinde bildirilir.<\/p>\n Emeklilik \u015eirketi EGM bildirimini izleyen ay sonuna kadar tespit edilen \u00e7al\u0131\u015fanlar\u0131 ilgili i\u015fverenlere sisteme tekrar d\u00e2hil edilmelerini teminen bildirmek zorundad\u0131r.<\/p>\n \u0130\u015fverenler, bildirimi izleyen ikinci ay\u0131n sonuna kadar s\u00f6z konusu \u00e7al\u0131\u015fanlar\u0131n\u0131 45 ya\u015f\u0131n\u0131 doldurmam\u0131\u015f olmalar\u0131 halinde yeniden sisteme d\u00e2hil ederler.<\/p>\n <\/a>4.3. \u0130\u015eTEN \u00c7IKI\u015eLARIN B\u0130LD\u0130R\u0130LMES\u0130<\/p>\n \u0130\u015fveren i\u015ften ayr\u0131lan \u00e7al\u0131\u015fanlara ili\u015fkin bilgileri i\u015ften \u00e7\u0131k\u0131\u015f tarihini takip eden ilk \u00fccret \u00f6deme g\u00fcn\u00fc \u00f6ncesine kadar \u2018Kat\u0131l\u0131mc\u0131 Veri Deseni\u2019 kapsam\u0131nda \u015eirket\u2019e iletmekle y\u00fck\u00fcml\u00fcd\u00fcr<\/p>\n <\/a>4.4. \u00c7ALI\u015eANLARIN \u015e\u0130RKETE B\u0130LD\u0130R\u0130M\u0130<\/p>\n \u0130\u015fveren s\u00f6zle\u015fmenin kurulmas\u0131 ve sonras\u0131ndaki kat\u0131l\u0131mlarda,\u00a0 kat\u0131l\u0131mc\u0131 adaylar\u0131na ait bilgileri EK-1 de yer alan \u2018Kat\u0131l\u0131mc\u0131 Veri Deseni\u2019ni esas alarak \u015eirket\u2019e iletmekle y\u00fck\u00fcml\u00fcd\u00fcr<\/p>\n \u0130\u015fveren, \u2018Kat\u0131l\u0131mc\u0131 Veri Deseni\u2019ni, \u015eirket\u2019e e-posta yoluyla elektronik ortamda g\u00f6nderebilece\u011fi gibi, \u015eirket\u2019in internet sitesinde \u0130\u015fveren ad\u0131na olu\u015fturulan\/olu\u015fturulacak g\u00fcvenli sayfadan da yapabilir.<\/p>\n Bildirimin ge\u00e7 ve\/veya eksik yap\u0131lmas\u0131ndan do\u011fan sorumluluk \u0130\u015eVEREN\u2019e aittir.<\/p>\n <\/a>MADDE 5-S\u00d6ZLE\u015eME\/SERT\u0130F\u0130KALARIN D\u00dcZENLENMES\u0130 VE G\u00d6NDER\u0130LMES\u0130<\/p>\n Otomatik Kat\u0131l\u0131m Gruba Ba\u011fl\u0131 Bireysel Emeklilik S\u00f6zle\u015fmesi, \u0130\u015fverenle d\u00fczenlenir ve \u0130\u015fveren\u2019e teslim edilir, s\u00f6zle\u015fmenin elektronik ortamda d\u00fczenlendi\u011fi hallerde s\u00f6zle\u015fme elektronik yollarla i\u015fverene iletilir.<\/p>\n Otomatik Kat\u0131l\u0131m Gruba Ba\u011fl\u0131 Bireysel Emeklilik s\u00f6zle\u015fmesi kapsam\u0131nda d\u00fczenlenen \u2018Otomatik Kat\u0131l\u0131m Gruba Ba\u011fl\u0131 Bireysel Emeklilik Sertifikas\u0131\u2019, sertifikan\u0131n y\u00fcr\u00fcrl\u00fc\u011fe girdi\u011fi tarihten itibaren en ge\u00e7 on i\u015f g\u00fcn\u00fc i\u00e7erisinde elektronik ortamda (e-posta, SMS, vb) kat\u0131l\u0131mc\u0131\/\u00e7al\u0131\u015fana g\u00f6nderilir. \u00c7al\u0131\u015fan\u0131n\/Kat\u0131l\u0131mc\u0131n\u0131n kendisine g\u00f6nderilmekle birlikte sertifikaya eri\u015fim sa\u011flayamad\u0131\u011f\u0131n\u0131 bildirmesi ya da talebi halinde \u015eirket taraf\u0131ndan g\u00fcvenli elektronik ileti\u015fim ara\u00e7lar\u0131 ile yeniden sertifika g\u00f6nderimi yap\u0131l\u0131r.<\/p>\n \u00c7al\u0131\u015fana\/Kat\u0131l\u0131mc\u0131ya ait bilgilerin olmamas\u0131, eksik ya da hatal\u0131 olmas\u0131 nedeni ile \u00e7al\u0131\u015fana g\u00f6nderimi yap\u0131lamayan sertifikalar do\u011frudan \u0130\u015fveren\u2019e g\u00f6nderilecek olup, \u0130\u015fveren kendisine iletilen sertifikalar\u0131 \u00e7al\u0131\u015fanlar\u0131na iletmek ve teslim bilgilerini \u015firkete bildirmekle y\u00fck\u00fcml\u00fcd\u00fcr.<\/p>\n <\/a>MADDE 6- KATKI PAYI TUTARININ HESAPLANMASI ve DE\u011e\u0130\u015eT\u0130R\u0130LMES\u0130<\/p>\n \u00c7al\u0131\u015fan Katk\u0131 Pay\u0131 Tutar\u0131 5434 Say\u0131l\u0131 Kanun kapsam\u0131nda, emeklilik kesene\u011fine esas ayl\u0131k kazanc\u0131n %3\u2019 \u00fcne kar\u015f\u0131l\u0131k gelen tutard\u0131r. Bakanlar Kurulu bu tutar\u0131 iki kat\u0131na kadar art\u0131rma ya da %1\u2019e kadar indirme yetkisine sahiptir.<\/p>\n Katk\u0131 pay\u0131 kesintisinde 5434 say\u0131l\u0131 Kanun\u2019un emeklilik kesene\u011fi ve kurum kar\u015f\u0131l\u0131\u011f\u0131n\u0131n tahsiline ili\u015fkin h\u00fck\u00fcmleri dikkate al\u0131n\u0131n ve yap\u0131lacak kesinti bu \u015fekilde belirlenen ayl\u0131k kazan\u00e7 \u00fczerinden ger\u00e7ekle\u015ftirilir. Emeklilik kesene\u011fini etkileyen her t\u00fcrl\u00fc sebep katk\u0131 pay\u0131 kesintisinin hesaplanmas\u0131nda dikkate al\u0131n\u0131r.<\/p>\n Bu tutar mutlak \u00f6denmesi gereken asgari tutar olup, \u00e7al\u0131\u015fan ya da i\u015fverenin bu tutar\u0131 indirme hakk\u0131 bulunmamaktad\u0131r.<\/p>\n \u00c7al\u0131\u015fan, emeklilik kesene\u011fine esas kazanc\u0131n\u0131n %3\u2019\u00fcnden daha y\u00fcksek bir tutarda kesinti yap\u0131larak katk\u0131 pay\u0131 olarak \u00f6denmesini isteyebilir.<\/p>\n Bu tutar \u00fccretin bir y\u00fczdesi ya da maktu olarak belirlenebilir. \u00c7al\u0131\u015fanlar bu taleplerini ilgili ay\u0131n \u00fccret hesaplamas\u0131 tamamlanmadan \u00f6nce \u0130\u015fveren\u2019e bildirmekle y\u00fck\u00fcml\u00fcd\u00fcrler. \u0130\u015fveren taraf\u0131ndan uygulanacak de\u011fi\u015fiklik ilk \u00fccret \u00f6deme d\u00f6neminde \u2018Tahsilat Veri Deseni\u2019 ile<\/a> \u015eirket\u2019e bildirilir.<\/p>\n \u00dccret hesaplamas\u0131 tamamland\u0131ktan sonra i\u015fverene iletilen talepler bir sonraki \u00f6deme d\u00f6neminden itibaren ger\u00e7ekle\u015ftirilir.<\/p>\n Bu \u015fekilde katk\u0131 pay\u0131 oran\u0131n\u0131 art\u0131ran bir \u00e7al\u0131\u015fan Bakanlar Kurulu Karar\u0131 ile belirlenen oran\u0131n alt\u0131nda kalmamak kayd\u0131yla katk\u0131 pay\u0131 oran\u0131n\u0131 \u0130\u015fverenden talepte bulunarak azaltabilir.<\/p>\n <\/a>MADDE 7- KATKI PAYININ \u00d6DENMES\u0130NE \u0130L\u0130\u015eK\u0130N MUTABAKAT S\u00dcREC\u0130 ve \u00d6DEME ESASLARI<\/p>\n <\/a>7.1.KATKI PAYI MUTABAKAT S\u00dcREC\u0130<\/p>\n \u0130\u015fveren taraf\u0131ndan katk\u0131 pay\u0131 kesintisi \u00fccret \u00f6deme d\u00f6nemlerinde yap\u0131l\u0131r. Bakanlar Kurulu taraf\u0131ndan emeklilik kesene\u011fine esas kazan\u00e7 oran\u0131nda yap\u0131lan de\u011fi\u015fiklikler takip eden ilk \u00fccret d\u00f6neminde derhal uygulan\u0131r.<\/p>\n \u0130\u015fveren, kanun ve ilgili y\u00f6netmelik (vb. yasal d\u00fczenlemeler) kapsam\u0131nda \u015eirket\u2019e \u00fccret \u00f6deme g\u00fcn\u00fcne\/g\u00fcnlerine ili\u015fkin bilgi verir. \u00dccret \u00f6deme g\u00fcn\u00fc\/g\u00fcnleri s\u00f6zle\u015fmenin devam\u0131 s\u00fcresince aksi bildirilmedi\u011fi s\u00fcrece uygulanmaya devam eder.<\/p>\n \u0130\u015fveren, \u015eirket\u2019in internet sitesinde kendine ait g\u00fcvenli sayfadan (Kullan\u0131c\u0131 Ad\u0131, \u015eifre ile ) giri\u015f yaparak katk\u0131 pay\u0131 yat\u0131raca\u011f\u0131 \u00e7al\u0131\u015fanlar\u0131na ait y\u00fcr\u00fcrl\u00fckteki s\u00f6zle\u015fme bilgilerine eri\u015fim sa\u011flayabilir.<\/p>\n \u2018Tahsilat Veri Deseni\u2019nde e\u015fle\u015fmeyen ki\u015fi ve s\u00f6zle\u015fme bilgileri anl\u0131k olarak e-posta ile \u0130\u015fveren\u2019e bildirilir. \u0130\u015fveren, e\u015fle\u015fmeyen \u00e7al\u0131\u015fanlar\u0131na ait bilgileri \u2018Kat\u0131l\u0131mc\u0131 Veri Deseni\u2019 ile \u015eirket\u2019e iletir.<\/p>\n \u015eirket, kendisine iletilen veri deseni \u00fczerinden gerekli giri\u015fleri ve de\u011fi\u015fiklik i\u015flemlerini tamamlayarak g\u00fcvenli elektronik sayfada \u0130\u015fveren\u2019in eri\u015fimine a\u00e7\u0131k s\u00f6zle\u015fme ve kat\u0131l\u0131mc\u0131 bilgilerini g\u00fcnceller.<\/p>\n Bu i\u015flemler en ge\u00e7 \u00fccret \u00f6deme g\u00fcn\u00fcnde, fakat \u00fccret \u00f6demesinden \u00f6nce tamamlanmak zorundad\u0131r. Taraflar bu konuda gerekli tedbirleri al\u0131r.<\/p>\n M\u00fccbir sebep nedeniyle, \u015firketlerin kamu harcama ve muhasebe bili\u015fim sistemi \u00fczerinden \u00e7al\u0131\u015fan baz\u0131nda tahsilat verisi alamamas\u0131 durumunda, toplu gelen tutar i\u00e7in da\u011f\u0131t\u0131m yap\u0131lamamas\u0131 halinde s\u00f6z konusu tutar en ge\u00e7 \u00f6demenin yap\u0131ld\u0131\u011f\u0131 g\u00fcn\u00fc takip eden iki i\u015fg\u00fcn\u00fc i\u00e7inde i\u015fverene iade edilir.<\/p>\n <\/a>7.2.KATKI PAYI \u00d6DEME ESASLARI<\/p>\n \u015eirket, katk\u0131 pay\u0131 \u00f6demesi yap\u0131lacak kurumsal hesap numaras\u0131n\u0131 ve buna ili\u015fkin de\u011fi\u015fiklikleri\u00a0 \u0130\u015fveren\u2019e bildirmekle y\u00fck\u00fcml\u00fcd\u00fcr.<\/p>\n Katk\u0131 paylar\u0131, \u0130\u015fveren taraf\u0131ndan banka arac\u0131l\u0131\u011f\u0131yla, en ge\u00e7 \u00fccret \u00f6deme g\u00fcn\u00fcn\u00fc takip eden i\u015fg\u00fcn\u00fc, \u2018Tahsilat Veri Deseni\u2019 esas al\u0131narak \u015eirket\u2019e aktar\u0131l\u0131r.<\/p>\n \u0130\u015fveren, katk\u0131 pay\u0131 \u00f6demelerini \u2018Tahsilat Veri Deseni\u2019nde \u00f6deme tarihi alan\u0131nda belirtti\u011fi tarihte Ziraat Bankas\u0131 A.\u015e. arac\u0131l\u0131\u011f\u0131 ile \u015e\u0130RKET\u0130\u2019n 606-6666-7310 nolu hesab\u0131na aktar\u0131r.<\/p>\n Ayl\u0131k i\u015flemlerini Maliye Bakanl\u0131\u011f\u0131n\u0131n (Muhasebat Genel M\u00fcd\u00fcrl\u00fc\u011f\u00fc) bili\u015fim sistemleri \u00fczerinden y\u00fcr\u00fcten harcama birimlerinin katk\u0131 paylar\u0131, \u015eirketin ayn\u0131 hesab\u0131na \u00f6denir.<\/p>\n Tahsilat i\u015flemlerinin ger\u00e7ekle\u015ftirilmesinde, Kamu Harcama ve Muhasebe Bili\u015fim Sistemi kapsam\u0131nda olmayan kamu kurumlar\u0131n\u0131n tahsilat i\u015flemleri ilgili kamu kurumu taraf\u0131ndan y\u00fcr\u00fct\u00fcl\u00fcr.<\/p>\n \u0130\u015fveren bu i\u015flemlere esas olmak \u00fczere \u2018Tahsilat Veri Deseni\u2019ni ilgili \u00f6deme d\u00f6nemlerinde e-posta arac\u0131l\u0131\u011f\u0131 ile Ziraat Bankas\u0131 A.\u015e\u2019ye de g\u00f6nderecektir.<\/p>\n \u0130\u015fveren, \u2018Tahsilat Veri Deseni\u2019nde yer alan kat\u0131l\u0131mc\u0131lara ait katk\u0131 pay\u0131 \u00f6demelerine kar\u015f\u0131l\u0131k gelen toplam tutar\u0131 ilgili hesab\u0131nda bulundurmakla y\u00fck\u00fcml\u00fcd\u00fcr.<\/p>\n \u00d6deme tarihinde tahsil edilemeyen tutarlar\u0131n tahsil edilebilmesi i\u00e7in \u0130\u015fveren, \u2018Tahsilat Veri\u00a0 Deseni\u2019nde \u00a0\u00f6deme tarihini g\u00fcncelleyerek e-posta arac\u0131l\u0131\u011f\u0131 ile Ziraat Bankas\u0131 A.\u015e.\u2019 ye tekrar g\u00f6nderecektir.<\/p>\n \u00c7al\u0131\u015fan katk\u0131 paylar\u0131, \u0130\u015fveren taraf\u0131ndan kat\u0131l\u0131mc\u0131 ile aras\u0131ndaki istihdam ili\u015fkisi devam etti\u011fi ve emeklilik kesene\u011fine esas kazan\u00e7 olu\u015ftu\u011fu s\u00fcrece \u015eirket\u2019e \u00f6denir.<\/p>\n \u0130\u015fveren, \u00e7al\u0131\u015fan katk\u0131 paylar\u0131na kar\u015f\u0131l\u0131k kredi kart\u0131, \u00e7ek ve benzeri \u00f6deme ara\u00e7lar\u0131 ile \u00f6demede bulunamaz.<\/p>\n Tahsilat Veri Deseni ile \u015eirket\u2019e g\u00f6nderilen katk\u0131 pay\u0131 tutarlar\u0131n\u0131n, \u015eirket nezdinde mevcut kat\u0131l\u0131mc\u0131larla uyu\u015fmamas\u0131 durumunda, g\u00f6nderilen ancak kime ait oldu\u011fu tespit edilemeyen tutarlar \u015eirket taraf\u0131ndan en ge\u00e7 2 i\u015fg\u00fcn\u00fc i\u00e7inde \u0130\u015fveren ilgili hesab\u0131na iade edilir.<\/p>\n Otomatik Kat\u0131l\u0131m Gruba Ba\u011fl\u0131 Bireysel emeklilik s\u00f6zle\u015fmesi \u00f6demelerinin hangi \u00e7al\u0131\u015fan i\u00e7in yap\u0131ld\u0131\u011f\u0131na ve tutar\u0131na ait sorumluluk \u0130\u015eVEREN \u2019e aittir.<\/p>\n <\/a>7.3. MAHSUPLA\u015eMA \u015eEKL\u0130 \u0130LE \u00d6DEME<\/p>\n Sosyal g\u00fcvenlik mevzuat\u0131na g\u00f6re tan\u0131nan s\u00fcre i\u00e7inde emeklilik kesene\u011fine esas kazan\u00e7ta i\u015fveren taraf\u0131ndan de\u011fi\u015fiklik yap\u0131lmas\u0131 durumunda; eksik katk\u0131 pay\u0131 \u00f6demesi yap\u0131lm\u0131\u015fsa m\u00fcnhas\u0131ran bu de\u011fi\u015fime ba\u011fl\u0131 farka tekab\u00fcl eden ek katk\u0131 pay\u0131 \u00f6demesi bir sonraki d\u00f6nem<\/p>\n \u00fccretinden kesilmek suretiyle yap\u0131l\u0131r, fazla katk\u0131 pay\u0131 \u00f6demesi yap\u0131lm\u0131\u015fsa bir sonraki d\u00f6nem mahsupla\u015fma sa\u011flanacak \u015fekilde \u00f6deme yap\u0131l\u0131r.<\/p>\n Bunun d\u0131\u015f\u0131nda herhangi bir nedenle kat\u0131l\u0131mc\u0131dan fazla kesinti yap\u0131lmas\u0131 durumunda fazla kesilen tutarlar M\u00fcste\u015farl\u0131k taraf\u0131ndan belirlenen\/belirlenecek esaslar \u00e7er\u00e7evesinde \u00e7al\u0131\u015fana iade edilir.<\/p>\n <\/a>MADDE 8- KATKI PAYININ \u00d6DENMEMES\u0130 DURUMU<\/p>\n \u0130\u015fveren taraf\u0131ndan, \u00e7al\u0131\u015fanlar\u0131na bildirilen ve \u015eirket\u2019e iletilen, kat\u0131l\u0131mc\u0131ya \u00fccret \u00f6demesi yap\u0131lamayacak ko\u015fullar\u0131n (\u00fccretsiz izin, askerlik ve benzeri nedenler ile yasadan kaynaklanan di\u011fer sebeplerle emeklilik kesene\u011fine esas kazan\u00e7 olu\u015fmamas\u0131)\u00a0 ger\u00e7ekle\u015fmesi halinde katk\u0131 pay\u0131 \u00f6demesi yap\u0131lmaz.<\/p>\n \u0130\u015fveren yasal d\u00fczenlemeler kapsam\u0131nda s\u00f6zle\u015fmeye g\u00f6re \u00f6denmesi gereken \u00e7al\u0131\u015fan katk\u0131 pay\u0131n\u0131 hi\u00e7 ya da s\u00fcresinde \u015eirket\u2019e aktarmaz ya da ge\u00e7 aktar\u0131rsa 4632 say\u0131l\u0131 yasan\u0131n 5. maddesinde belirtilen hesaplama y\u00f6ntemi uyar\u0131nca belirlenecek varsa birikimde olu\u015fan parasal kay\u0131ptan \u00e7al\u0131\u015fana\/kat\u0131l\u0131mc\u0131ya kar\u015f\u0131 sorumludur.<\/p>\n \u00c7al\u0131\u015fan\u0131n \u00fccretinden kesilmesine ra\u011fmen \u015firkete aktar\u0131lmayan veya eksik aktar\u0131lan katk\u0131 pay\u0131n\u0131n ve varsa getirilerinin takip ve tahsilini Emeklilik G\u00f6zetim Merkezi yapar. Bu surette yap\u0131lan tahsilatlar \u00e7al\u0131\u015fan\u0131n hesab\u0131na aktar\u0131l\u0131r.<\/p>\n <\/a>MADDE 9- KATKI PAYI \u00d6DEMEYE ARA VERME HAKKI VE S\u00dcRES\u0130<\/p>\n Ara verme s\u00fcresi \u00e7al\u0131\u015fan\u0131n \u00fccret almas\u0131na kar\u015f\u0131n \u015firkete katk\u0131 pay\u0131 \u00f6demesi yap\u0131lmayan en fazla \u00fc\u00e7 m\u00fcteakip ayd\u0131r.<\/p>\n Katk\u0131 pay\u0131 \u00f6demeye ara verilmesini \u00e7al\u0131\u015fan talep edebilir. \u00d6demeye ara verme hakk\u0131 yaln\u0131zca \u00e7al\u0131\u015fan taraf\u0131ndan kullan\u0131labilir ve bu hak \u0130\u015fveren\u2019e devredilemez<\/p>\n Ara verme talebi kat\u0131l\u0131mc\u0131 taraf\u0131ndan \u0130\u015fverenine y\u00f6neltilir. \u0130\u015fveren ara verme talebine ili\u015fkin kat\u0131l\u0131mc\u0131 bilgilerini en ge\u00e7 \u00fccret aktarma tarihi itibari ile \u015eirket\u2019e bildirecektir<\/p>\n \u00c7al\u0131\u015fan ara verme talebini en ge\u00e7 \u00fccret \u00f6deme g\u00fcn\u00fcnden \u00fc\u00e7 i\u015fg\u00fcn\u00fc \u00f6ncesine kadar \u0130\u015fveren\u2019e\u00a0 iletmekle y\u00fck\u00fcml\u00fc olup bu tarihten sonra iletilen talepler, ancak bir sonraki aya ili\u015fkin \u00fccret \u00f6demesinden itibaren dikkate al\u0131n\u0131r.<\/p>\n \u00dccretsiz izin vb. sebeplerle \u00e7al\u0131\u015fan\u0131n \u00fccret almad\u0131\u011f\u0131 s\u00fcreler ara verme kapsam\u0131na girmez. \u0130lgili d\u00f6neme ait katk\u0131 pay\u0131 \u00f6denmesi halinde bu d\u00f6nem i\u00e7in ara verme talebi uygulanmaz ve talep bir sonraki d\u00f6nemden ge\u00e7erli olmak \u00fczere ba\u015flat\u0131l\u0131r.<\/p>\n \u00c7al\u0131\u015fan\u0131n ara verme talebini iletmesi \u00fczerine \u00e7al\u0131\u015fana \u00f6denen \u00fccretten katk\u0131 pay\u0131 kesintisi yap\u0131lamaz.<\/p>\n Ara verme s\u00fcresinin bitimini m\u00fcteakip \u00fccret \u00fczerinden yap\u0131lan katk\u0131 pay\u0131 kesintisine \u0130\u015fveren taraf\u0131ndan devam edilir.<\/p>\n <\/a>MADDE 10 \u2013 \u0130\u015eVEREN KATKI PAYI \u00d6DEMES\u0130<\/p>\n \u0130\u015f bu s\u00f6zle\u015fme kapsam\u0131nda \u00e7al\u0131\u015fan\u0131n \u00fccretinden yap\u0131lan kesinti d\u0131\u015f\u0131nda \u0130\u015fveren taraf\u0131ndan kat\u0131l\u0131mc\u0131 s\u00f6zle\u015fmelerine hi\u00e7bir \u015fekilde \u00f6deme yap\u0131lamaz.<\/p>\n Ancak, \u0130\u015fveren taraf\u0131ndan tercih edilmesi ve \u0130\u015fveren ile \u015eirket aras\u0131nda, ayr\u0131ca \u0130\u015fveren Grup Emeklilik S\u00f6zle\u015fmesi yap\u0131lmas\u0131 halinde \u0130\u015fveren, yapt\u0131\u011f\u0131 yeni s\u00f6zle\u015fme kapsam\u0131nda \u00e7al\u0131\u015fanlar\u0131 ad ve hesab\u0131na katk\u0131 pay\u0131 \u00f6demesinde bulunabilir..<\/p>\n <\/a>MADDE 11- OTOMAT\u0130K KATILIM \u0130\u015eVEREN GRUBA BA\u011eLI B\u0130REYSEL EMEKL\u0130L\u0130K S\u00d6ZLE\u015eMES\u0130 KAPSAMINDA YAPILACAK KES\u0130NT\u0130LER<\/p>\n Bu s\u00f6zle\u015fme kapsam\u0131nda giri\u015f aidat\u0131, y\u00f6netim gider kesintisi vb. her ne adla olursa olsun \u0130\u015fveren ya da \u015eirket taraf\u0131ndan kesinti yap\u0131lamayacakt\u0131r.<\/p>\n \u015eirket, s\u00f6zle\u015fme kapsam\u0131nda ilgili y\u00f6netmelik uyar\u0131nca fon i\u00e7t\u00fcz\u00fc\u011f\u00fcnde belirlenen fon i\u015fletim gider kesintisi yapar.<\/p>\n <\/a>11.1.S\u00d6ZLE\u015eME FONLARI VE FON \u0130\u015eLET\u0130M G\u0130DER KES\u0130NT\u0130S\u0130<\/p>\n S\u00f6zle\u015fme Fonlar\u0131 Emeklilik Plan\u0131 i\u00e7erisinde kat\u0131l\u0131mc\u0131ya sunulan ve \u0130\u015fveren\/Kat\u0131l\u0131mc\u0131\u00a0 taraf\u0131ndan katk\u0131 pay\u0131n\u0131n yat\u0131r\u0131ma y\u00f6nlendirilmesi i\u00e7in tercih edilen emeklilik yat\u0131r\u0131m fonlar\u0131d\u0131r.<\/p>\n Kesinti Oran\u0131 Limiti:<\/strong><\/p>\n 4632 Say\u0131l\u0131 Kanuna 6740 say\u0131l\u0131 Kanun\u2019la eklenen Ek-2 ve Ge\u00e7ici 2. Maddesi kapsam\u0131nda i\u015fverenleri arac\u0131l\u0131\u011f\u0131yla bireysel emeklilik sistemine dahil edilen \u00e7al\u0131\u015fanlara sunulan t\u00fcm fonlar i\u00e7in azami y\u0131ll\u0131k fon i\u015fletim gider kesintisi oran\u0131 (F\u0130GK) yasal olarak % 0,85 olarak uygulanmakta olup, Kamu Hastaneleri Kurumu\u2019na \u00f6zel olarak i\u015f bu s\u00f6zle\u015fmenin 21. sayfas\u0131nda I- FON \u0130\u015eLET\u0130M G\u0130DER\u0130 KES\u0130NT\u0130 ORANI ba\u015fl\u0131\u011f\u0131 alt\u0131nda belirtildi\u011fi \u00fczere\u00a0 % 0,075 olarak uygulanacakt\u0131r.<\/p>\n Yat\u0131r\u0131m Se\u00e7enekleri Baz\u0131nda Performans E\u015fikleri ve EK kesinti<\/strong><\/p>\n Hazine M\u00fcste\u015farl\u0131\u011f\u0131 taraf\u0131ndan belirtilen\/belirtilecek \u00f6l\u00e7\u00fcm periyoduna ili\u015fkin y\u0131ll\u0131k ortalama net getiri \u00fczerinden fon performans e\u015fiklerinin a\u015f\u0131lmas\u0131 durumunda, e\u015fi\u011fin \u00fczerindeki oran\u0131n y\u00fczde yirmisi kadar daha ek fon i\u015fletim gider kesintisi al\u0131nmas\u0131 m\u00fcmk\u00fcnd\u00fcr. Ancak, yap\u0131lacak ek kesinti oran\u0131 her durumda M\u00fcste\u015farl\u0131k taraf\u0131ndan belirlenecek oran\u0131 a\u015famaz.<\/p>\n Her \u00f6l\u00e7\u00fcm periyodunun sonunda performans e\u015fiklerinin a\u015f\u0131lmas\u0131 durumunda, al\u0131nmas\u0131 \u00f6ng\u00f6r\u00fclen ek kesinti ilgili \u00f6l\u00e7\u00fcm periyodunun bitimini m\u00fcteakip on i\u015fg\u00fcn\u00fc i\u00e7inde hesaplan\u0131r ve ilgili mevzuat \u00e7er\u00e7evesinde a\u00e7\u0131klan\u0131r. Bu kesinti ilgili fondan g\u00fcnl\u00fck taksitler halinde m\u00fcteakip \u00f6l\u00e7\u00fcm periyodu olarak belirlene s\u00fcrenin yar\u0131s\u0131 s\u00fcresince tahsil edilir. Tahsil edilecek ek fon i\u015fletim gider kesintisi, fon i\u00e7 t\u00fcz\u00fc\u011f\u00fcnde\/izahnamesinde belirtilen fon i\u015fletim gider kesintisi ve fon toplam gider kesintisine ili\u015fkin kontrollerde dikkate al\u0131nmaz.<\/p>\n Performans e\u015fi\u011fine ili\u015fkin hesaplama y\u00f6ntemi Hazine M\u00fcste\u015farl\u0131\u011f\u0131nca belirlenir.<\/p>\n Bu kapsamdaki \u00e7al\u0131\u015fanlar\u0131n birikimlerinden bu tutarlar d\u0131\u015f\u0131nda kesinti yap\u0131lamaz.<\/p>\n \u0130\u015fbu s\u00f6zle\u015fme kapsam\u0131nda sunulan fonlara ili\u015fkin bilgiler ile fon i\u015fletim gider kesintisine ili\u015fkin oranlar EK-3\u2019 de yer al\u0131r ve uygulan\u0131r.<\/strong><\/p>\n <\/a>11.2. S\u00d6ZLE\u015eME KAPSAMINDA YAPILAN KES\u0130NT\u0130LER\u0130N DE\u011e\u0130\u015eT\u0130R\u0130LMES\u0130<\/p>\n S\u00f6zle\u015fmede yer alan kesintiler yasal d\u00fczenlemelerle getirilen azami s\u0131n\u0131rlar\u0131 a\u015fmamak kayd\u0131 ile \u015eirket taraf\u0131ndan de\u011fi\u015ftirilebilir. Bu de\u011fi\u015fikli\u011fin uygulanabilmesi i\u00e7in de\u011fi\u015fikliklerin mevzuattaki s\u00fcre\u00e7lere uygun olarak ger\u00e7ekle\u015ftirilmesi gerekir.<\/p>\n Performans kesintisi ve fon toplam gider kesintisi azami oranlar\u0131nda de\u011fi\u015fen ko\u015fullara g\u00f6re M\u00fcste\u015farl\u0131k\u00e7a de\u011fi\u015fiklik yap\u0131lmas\u0131 durumunda bu de\u011fi\u015fiklik, de\u011fi\u015fiklik oran\u0131n\u0131 a\u015fmamak \u00fczere s\u00f6zle\u015fmede belirtilen kesinti oranlar\u0131na yans\u0131t\u0131labilir.<\/p>\n <\/a>MADDE 12- S\u00d6ZLE\u015eMEDE YER ALAN HAKLAR<\/p>\n Bu s\u00f6zle\u015fmeden do\u011fan haklar\u0131n kullan\u0131m\u0131nda Otomatik Kat\u0131l\u0131m Gruba Ba\u011fl\u0131 Bireysel Emeklilik S\u00f6zle\u015fme y\u0131l\u0131 esas al\u0131n\u0131r.<\/p>\n <\/a>12.1 PLAN DE\u011e\u0130\u015e\u0130KL\u0130\u011e\u0130 HAKKI<\/p>\n Bu s\u00f6zle\u015fme kapsam\u0131nda sunulan planlar aras\u0131ndaki plan de\u011fi\u015fiklikleri yaln\u0131zca \u0130\u015fveren\u00a0 taraf\u0131ndan yap\u0131l\u0131r.<\/p>\n Emeklilik plan\u0131 bir y\u0131lda azami d\u00f6rt kez de\u011fi\u015ftirilebilir. Plan de\u011fi\u015fikli\u011fi talebi \u015eirket\u2019e yaz\u0131l\u0131 olarak veya \u015eirket\u2019in \u00e7a\u011fr\u0131 merkezinden yahut \u015eirket\u2019in internet sitesinde \u0130veren ad\u0131na olu\u015fturulan g\u00fcvenli sayfadan yap\u0131l\u0131r.<\/p>\n \u0130\u015fverenlerce yap\u0131lan plan de\u011fi\u015fikli\u011fi i\u015flemleri ilgili y\u00f6netmelik h\u00fck\u00fcmleri kapsam\u0131nda ger\u00e7ekle\u015ftirilir.<\/p>\n \u015eirketin uygun g\u00f6rmesi halinde yeni emeklilik plan\u0131na, plan de\u011fi\u015fiklik talebinin \u015firkete ula\u015fmas\u0131n\u0131 m\u00fcteakip on i\u015f g\u00fcn\u00fc i\u00e7inde ge\u00e7i\u015f yap\u0131l\u0131r ve tadil edilen emeklilik s\u00f6zle\u015fmesi on i\u015f g\u00fcn\u00fc i\u00e7inde\u00a0 \u0130\u015eVEREN \u2019e ,tercihleri do\u011frultusunda kal\u0131c\u0131 veri saklay\u0131c\u0131s\u0131 ile yada\u00a0 matbu olarak g\u00f6nderilir.<\/p>\n <\/p>\n <\/a>12.2 FON DA\u011eILIMI ve DE\u011e\u0130\u015e\u0130KL\u0130\u011e\u0130 HAKKI<\/p>\n Katk\u0131 pay\u0131 iki ayl\u0131k cayma s\u00fcresinde ilgisine g\u00f6re \u00e7al\u0131\u015fan veya \u0130\u015eVEREN taraf\u0131ndan tercih edilen ba\u015flang\u0131\u00e7 fonlar\u0131nda yat\u0131r\u0131ma y\u00f6nlendirilir. \u015e\u0130RKET cayma s\u00fcresince \u00f6denen katk\u0131 paylar\u0131n\u0131n de\u011fer kaybetmemesini sa\u011flayacak \u015fekilde fon y\u00f6netiminden sorumludur.<\/p>\n \u015e\u0130RKET, cayma hakk\u0131n\u0131 kullanmayan \u00e7al\u0131\u015fan\u0131n birikimlerini iki ayl\u0131k cayma s\u00fcresinin sona erdi\u011fi tarihi m\u00fcteakip Bakan taraf\u0131ndan belirlenen (01 Temmuz 2017) s\u00fcrenin sonuna kadar ilgisine g\u00f6re \u00e7al\u0131\u015fan ya da i\u015fverence tercih edilen ba\u015flang\u0131\u00e7 fonunda yat\u0131r\u0131ma y\u00f6nlendirmeye devam eder.<\/p>\n \u00c7al\u0131\u015fan\u0131n birikimi ilgili Bakan taraf\u0131ndan belirlenen s\u00fcrenin bitimini m\u00fcteakip ilgisine g\u00f6re \u00e7al\u0131\u015fan veya i\u015fverence tercih edilen standart fonda yat\u0131r\u0131ma y\u00f6nlendirilir. Fon de\u011fi\u015fiklik talebi \u015eirket\u2019e yaz\u0131l\u0131 olarak veya \u015eirket\u2019in \u00e7a\u011fr\u0131 merkezi, mobil ve internet sitesinde olu\u015fturulan g\u00fcvenli sayfadan yap\u0131l\u0131r.<\/p>\n \u015eirket de\u011fi\u015fiklik talebini, talebin ula\u015ft\u0131\u011f\u0131 tarihi m\u00fcteakip iki i\u015f g\u00fcn\u00fc i\u00e7inde gerekli talimatlar\u0131 vermek suretiyle ger\u00e7ekle\u015ftirir. Fon da\u011f\u0131l\u0131m de\u011fi\u015fikli\u011fi talebine ili\u015fkin olarak fonlarla ilgili devam eden al\u0131m-sat\u0131m hareketi olan kay\u0131tlarda fon da\u011f\u0131l\u0131m de\u011fi\u015fikli\u011fi i\u015flemi al\u0131m-sat\u0131m i\u015flemlerinin tamamland\u0131\u011f\u0131 tarihten sonra ba\u015flar.<\/p>\n \u015eirket, fon da\u011f\u0131l\u0131m\u0131 de\u011fi\u015fikli\u011fi i\u015fleminde, al\u0131\u015f\u0131 yap\u0131lacak fonlar\u0131n al\u0131m talimat\u0131 tarihlerini, sat\u0131\u015f\u0131 yap\u0131lacak fonlar\u0131n nakde d\u00f6n\u00fc\u015ft\u00fcr\u00fclme s\u00fcrelerini dikkate alarak belirler. \u015eirket, katk\u0131 paylar\u0131n\u0131n fonlar aras\u0131nda payla\u015ft\u0131r\u0131lmas\u0131 s\u0131ras\u0131nda ortaya \u00e7\u0131kan art\u0131k de\u011feri en aza indirmek \u00fczere gerekli tedbirleri al\u0131r.<\/p>\n <\/a>12.3 B\u0130R\u0130K\u0130MLER\u0130N AKTARIMI HAKKI<\/p>\n Emeklilik s\u00f6zle\u015fmesi kapsam\u0131ndaki birikimin ba\u015fka bir \u015firkete aktar\u0131labilmesi i\u00e7in s\u00f6zle\u015fmenin, y\u00fcr\u00fcrl\u00fck tarihinden itibaren en az iki y\u0131l s\u00fcreyle \u015firkette kalmas\u0131 gerekir.<\/p>\n Aktar\u0131m talebi \u0130\u015fveren taraf\u0131ndan yap\u0131l\u0131r. \u015eirket, aktar\u0131m amac\u0131yla kendisine ba\u015fvuruda bulunulmas\u0131 durumunda \u0130\u015fveren\u2019e be\u015f i\u015f g\u00fcn\u00fc i\u00e7inde M\u00fcste\u015farl\u0131k\u00e7a belirlenen belgeleri g\u00f6nderir.<\/p>\n \u0130\u015fveren ilgili belgeleri, \u015eirketin internet sitesinde \u0130\u015fveren ad\u0131na olu\u015fturulan g\u00fcvenli sayfadan da alabilir.<\/p>\n \u0130\u015fveren, ilgili belgelerle aktar\u0131m yap\u0131lacak \u015firkete ba\u015fvurur. Aktar\u0131m yap\u0131lacak \u015eirket, talebi uygun bulmas\u0131 halinde bir plan \u00f6nerir ve planda \u00f6ng\u00f6r\u00fclen fon kesintilere ili\u015fkin bilgi verir.<\/p>\n \u0130\u015fveren ilgili plan\u0131 tercih etmesi durumunda, aktar\u0131m i\u015flemi i\u00e7in d\u00fczenlenmi\u015f belgeleri imzalar veya g\u00fcvenli elektronik ileti\u015fim ara\u00e7lar\u0131 ile onaylar. Kat\u0131l\u0131mc\u0131n\u0131n hesab\u0131na hen\u00fcz intikal etmemi\u015f devlet katk\u0131s\u0131 bulunmas\u0131 halinde, bu tutarlara ili\u015fkin olarak bireysel emeklilik sisteminde devlet katk\u0131s\u0131 hakk\u0131ndaki mevzuat h\u00fck\u00fcmleri uygulan\u0131r. Aktar\u0131m i\u015flemi talebin \u015eirket\u2019e e ula\u015ft\u0131\u011f\u0131 tarihten itibaren on i\u015f g\u00fcn\u00fc i\u00e7inde birikim, devlet katk\u0131s\u0131 hesab\u0131na ili\u015fkin tutarlarla birlikte aktar\u0131m yap\u0131lacak \u015firkete aktar\u0131l\u0131r.<\/p>\n Aktar\u0131m yap\u0131lan \u015firketteki emeklilik s\u00f6zle\u015fmesi, birikimin aktar\u0131ld\u0131\u011f\u0131 tarihte y\u00fcr\u00fcrl\u00fc\u011fe girer ve y\u00fcr\u00fcrl\u00fc\u011f\u00fc m\u00fcteakip on i\u015f g\u00fcn\u00fc i\u00e7inde yeni emeklilik s\u00f6zle\u015fmesi \u0130\u015fveren kurulu\u015fun tercihi do\u011frultusunda tan\u0131ml\u0131 elektronik posta adresine, faks\u0131na veya posta adresine g\u00f6nderilir. Kat\u0131l\u0131mc\u0131n\u0131n Bireysel Emeklilik Sistemi’ne giri\u015f tarihinden kaynaklanan s\u00fcreye ili\u015fkin haklar\u0131 ile varsa hak kazanma s\u00fcrelerine ili\u015fkin haklar\u0131 aktar\u0131m yap\u0131lan \u015firkette aynen korunur.<\/p>\n \u00a0<\/a>12.4 KATILIMCILARA SA\u011eLANACAK EK FAYDALAR<\/strong><\/p>\n Ayr\u0131ca \u015e\u0130RKET y\u00f6n\u00fcnden s\u00f6zle\u015fme \u015fart\u0131 olmamak kayd\u0131 ile herhangi bir taahh\u00fct ve zorunluluk niteli\u011fi ta\u015f\u0131mayan, \u00e7al\u0131\u015fanlar\u0131n g\u00fcnl\u00fck hayatlar\u0131nda ihtiya\u00e7 duyacaklar\u0131 ve kullanabilecekleri indirim ve f\u0131rsatlar sunulabilecektir.<\/p>\n <\/a>MADDE 13- \u0130\u015eVEREN KURULU\u015eA YAPILACAK \u00d6DEMELER<\/p>\n Bu s\u00f6zle\u015fme kapsam\u0131nda \u0130\u015fveren taraf\u0131ndan \u015eirket\u2019e g\u00f6nderilen ancak i\u015fverene iadesi gereken \u00f6demeler \u015eirket taraf\u0131ndan \u0130\u015fverenin bildirdi\u011fi\/bildirece\u011fi hesaba ilgili ay\u0131 takip eden en ge\u00e7 5 i\u015f g\u00fcn\u00fc i\u00e7inde iade edilir.<\/p>\n \u0130\u015fveren taraf\u0131ndan yap\u0131lan ancak herhangi bir kat\u0131l\u0131mc\u0131 ile ili\u015fkilendirilemeyen mutabakat d\u0131\u015f\u0131 \u00f6demeleri ayn\u0131 veya daha sonraki d\u00f6nemler i\u00e7in mahsupla\u015fma yolu ile katk\u0131 pay\u0131 \u00f6demesine konu edilemez.<\/p>\n <\/a>MADDE 14- GENEL H\u00dcK\u00dcMLER<\/p>\n <\/a>14.1.\u00a0 6698 SAYILI KANUN KAPSAMINDA B\u0130LG\u0130LEND\u0130RME VE ONAY SORUMLULU\u011eU<\/p>\n \u0130\u015eVEREN \u00e7al\u0131\u015fanlar\u0131 ad\u0131na yapm\u0131\u015f\/yapacak oldu\u011fu t\u00fcm ba\u015fvuru\/s\u00f6zle\u015fme\/sertifikalarla ilgili olarak, Otomatik Kat\u0131l\u0131m Gruba Ba\u011fl\u0131 Bireysel Emeklilik S\u00f6zle\u015fmesi kapsam\u0131nda \u00e7al\u0131\u015fanlar\u0131na ait\u00a0ki\u015fisel ve \u00f6zel nitelikli ki\u015fisel verilerin toplanmas\u0131na, i\u015flenmesine, g\u00fcncellenmesine, periyodik olarak kontrol edilmesine, veri taban\u0131nda tutulmas\u0131na ve saklanmas\u0131na ve gerekti\u011fi takdirde ilgili kamu kurum ve kurulu\u015flar\u0131yla,\u00a0 s\u00f6zle\u015fmenin mahiyeti gere\u011fi 3. ki\u015fi ve kurulu\u015flarla, T\u00fcrkiye\u2019de veya yurtd\u0131\u015f\u0131nda mukim olan hizmet sa\u011flay\u0131c\u0131 firmalar ile Ziraat Finans Grubuyla payla\u015f\u0131lmas\u0131na, \u00e7al\u0131\u015fanlar\u0131n\u0131n ki\u015fisel verilerinin bunlar taraf\u0131ndan da tutulmas\u0131na ve saklanmas\u0131na muvafakat etti\u011fini\/edilmesi gerekti\u011fini kabul, beyan ve taahh\u00fct eder. \u0130\u015eVEREN, \u015e\u0130RKET taraf\u0131nda bu konulara ili\u015fkin her t\u00fcrl\u00fc bilgilendirmenin yap\u0131ld\u0131\u011f\u0131n\u0131, \u00e7al\u0131\u015fanlar\u0131na kar\u015f\u0131 bilgilendirme ve onay alma sorumlulu\u011funun \u0130\u015eVEREN \u2019e ait oldu\u011funu, \u0130\u015eVEREN taraf\u0131ndan \u00e7al\u0131\u015fanlar\u0131ndan onay ald\u0131\u011f\u0131n\u0131\/alaca\u011f\u0131n\u0131 kabul ve beyan ve taahh\u00fct eder.<\/p>\n <\/a>14.2. \u00a0VER\u0130 PAYLA\u015eIMI<\/p>\n Sistemde katk\u0131 paylar\u0131n\u0131n \u00f6denmesine ili\u015fkin her t\u00fcrl\u00fc verinin do\u011frulu\u011funun kontrol\u00fc Sosyal G\u00fcvenlik Kurumu ve Maliye Bakanl\u0131\u011f\u0131 Muhasebat Genel M\u00fcd\u00fcrl\u00fc\u011f\u00fc ile Emeklilik G\u00f6zetim Merkezi aras\u0131nda imzalanan bir veri payla\u015f\u0131m protokol\u00fc ile sa\u011flan\u0131r.<\/p>\n <\/a>14.3. S\u00d6ZLE\u015eMEN\u0130N DE\u011e\u0130\u015eT\u0130R\u0130LMES\u0130<\/p>\n S\u00f6zle\u015fme h\u00fck\u00fcmleri \u0130\u015fveren ve \u015eirket\u2019in kar\u015f\u0131l\u0131kl\u0131 mutabakat\u0131 ile yasal d\u00fczenlemelere ayk\u0131r\u0131 olmamak ve \u00e7al\u0131\u015fanlar\u0131n haklar\u0131n\u0131 ihlal etmemek kayd\u0131 ile her zaman de\u011fi\u015ftirilebilir.<\/p>\n De\u011fi\u015fiklik talep eden taraf de\u011fi\u015fikli\u011fe ili\u015fkin gerek\u00e7e ve \u00f6nerilerini kar\u015f\u0131 tarafa s\u00f6zl\u00fc ya da yaz\u0131l\u0131 olarak iletebilir.<\/p>\n Yap\u0131lan de\u011fi\u015fikliklerin kat\u0131l\u0131mc\u0131n\u0131n haklar\u0131n\u0131 de\u011fi\u015ftirdi\u011fi durumlarda bu de\u011fi\u015fiklikler kat\u0131l\u0131mc\u0131lara ilgisine g\u00f6re \u0130\u015fveren ya da \u015eirket taraf\u0131ndan bildirilir.<\/p>\n 4632 say\u0131l\u0131 Kanun ve ilgili yasal d\u00fczenlemeler gere\u011fi uygulanmas\u0131 gereken zorunlu hususlar s\u00f6zle\u015fme h\u00fck\u00fcmlerinin yerini al\u0131r ve bu d\u00fczenlemelere ayk\u0131r\u0131 s\u00f6zle\u015fme h\u00fck\u00fcmleri uygulanmaz.<\/p>\n <\/a>14.4. TEBL\u0130GAT ADRES\u0130<\/p>\n Taraflar i\u015f bu s\u00f6zle\u015fme kapsam\u0131nda yap\u0131lacak tebligatlar i\u00e7in birinci maddede belirtilen adreslerini tebligat adresi olarak belirlediklerini kabul ve beyan ederler. Taraflar meydana gelecek herhangi bir adres de\u011fi\u015fikli\u011fini, de\u011fi\u015fiklik tarihinden itibaren 7 g\u00fcn i\u00e7inde yaz\u0131l\u0131 olarak di\u011fer tarafa Noter arac\u0131l\u0131\u011f\u0131 veya iadeli taahh\u00fctl\u00fc mektupla bildirmedi\u011fi takdirde, bu adrese yap\u0131lacak her t\u00fcrl\u00fc tebligat\u0131n kendilerine yap\u0131lm\u0131\u015f say\u0131laca\u011f\u0131n\u0131, ayr\u0131ca bu adreste bulunulmamas\u0131\/adresin yeterli olmamas\u0131 gibi nedenlerle tebligat yap\u0131lamamas\u0131 halinde Ticaret Sicili nezdindeki adreslerine g\u00f6nderilecek her t\u00fcrl\u00fc bildirimin kendilerine yap\u0131lm\u0131\u015f say\u0131laca\u011f\u0131n\u0131 kabul, beyan ve taahh\u00fct ederler.<\/p>\n <\/a>14.5. UYGULANACAK HUKUK VE MEVZUAT<\/p>\n S\u00f6zle\u015fmede yer almayan hususlarda Bireysel Emeklilik Mevzuat\u0131, Bireysel Emeklilik Mevzuat\u0131nda da h\u00fck\u00fcm bulunmayan hallerde Sermaye Piyasas\u0131 ve Sigortac\u0131l\u0131k Mevzuat\u0131\u2019 n\u0131n ilgili h\u00fck\u00fcmleri ve genel h\u00fck\u00fcmler uygulan\u0131r.<\/p>\n Emeklilik s\u00f6zle\u015fmesinin akdinden sonra mevzuatta uyulmas\u0131 zorunlu de\u011fi\u015fiklikler getirilmesi halinde,\u00a0\u00a0 \u015eirket\u2019e, bu d\u00fczenlemelere g\u00f6re i\u015flem yapmas\u0131 dolay\u0131s\u0131yla, hi\u00e7 bir sorumluluk y\u00fcklenemez. \u015eirket \u00a0Vergi Mevzuat\u0131\u2019 na uygun hareket etmek \u00fczere, gerekli g\u00f6rd\u00fc\u011f\u00fc kat\u0131l\u0131mc\u0131lara ait birikimler \u00fczerinden vergi kesintilerini yapma ve s\u00f6zle\u015fme uyar\u0131nca alacakl\u0131 oldu\u011fu tutarlar\u0131 birikimlerden indirime hakk\u0131na sahiptir.<\/p>\n <\/a>14.6. UYU\u015eMAZLIKLARIN \u00c7\u00d6Z\u00dcM\u00dc<\/p>\n \u0130\u015fbu s\u00f6zle\u015fmeden do\u011facak uyu\u015fmazl\u0131klar\u0131n \u00e7\u00f6z\u00fcm\u00fcnde \u0130stanbul Mahkemeleri ve \u0130cra Daireleri yetkilidir.<\/p>\n <\/a>14.7. OTOMAT\u0130K KATILIM \u0130\u015eVEREN GRUBA BA\u011eLI B\u0130REYSEL EMEKL\u0130L\u0130K S\u00d6ZLE\u015eMES\u0130 CAYMA HAKKI<\/p>\n Sisteme kat\u0131l\u0131m \u015fartlar\u0131n\u0131 ta\u015f\u0131yan \u0130\u015fverenin sisteme kat\u0131l\u0131m\u0131 zorunlu olup, kat\u0131l\u0131mc\u0131 d\u0131\u015f\u0131nda \u0130\u015fveren\u2019in s\u00f6zle\u015fmeden cayma hakk\u0131 bulunmamaktad\u0131r.<\/p>\n Sisteme giri\u015f tarihindeki ko\u015fullar\u0131n sonradan de\u011fi\u015fmesi halinde de (\u00e7al\u0131\u015fan say\u0131s\u0131n\u0131n kapsama al\u0131nma tarihi sonras\u0131 de\u011fi\u015fmesi) \u0130\u015fveren sistemden ayr\u0131lma hakk\u0131na sahip bulunmamaktad\u0131r.<\/p>\n \u00c7al\u0131\u015fan\u0131n cayma hakk\u0131na ili\u015fkin talebini \u0130\u015fveren\u2019e bildirdi\u011fi hallerde, \u0130\u015fveren cayma talebini gecikmeksizin \u015eirket\u2019in internet sitesinde \u0130\u015fveren ad\u0131na olu\u015fturulan\/olu\u015fturulacak g\u00fcvenli sayfadan bildirir. \u0130\u015eVEREN\u2019 in cayma talebini zaman\u0131nda \u015e\u0130RKET\u2019 e bildirmemesi nedeni ile \u015e\u0130RKET taraf\u0131ndan kat\u0131l\u0131mc\u0131ya \u00f6denen temerr\u00fct faizi \u0130\u015eVEREN den tahsil edilir.<\/p>\n <\/a>14.8. OTOMAT\u0130K KATILIM GRUBA BA\u011eLI B\u0130REYSEL EMEKL\u0130L\u0130K S\u00d6ZLE\u015eMES\u0130N\u0130N VE S\u0130STEME DAH\u0130L ED\u0130LEN KATILIMCIYA A\u0130T S\u00d6ZLE\u015eMEN\u0130N Y\u00dcR\u00dcRL\u00dc\u011eE G\u0130RMES\u0130<\/p>\n Otomatik Kat\u0131l\u0131m Gruba Ba\u011fl\u0131 Bireysel Emeklilik S\u00f6zle\u015fmesi, \u015eirket ve \u0130\u015fveren aras\u0131nda 10\/03\/2017 tarihinde imzalanm\u0131\u015f olup, imzaland\u0131\u011f\u0131 tarihte kurulmu\u015f say\u0131lacak ve<\/p>\n s\u00f6zle\u015fmenin 4.\u00fcnc\u00fc maddesinde d\u00fczenlenen kamu idaresinin stat\u00fcs\u00fcne ba\u011fl\u0131 olarak 01\/04\/2017 veya 01\/01\/2018 tarihi itibari ile y\u00fcr\u00fcrl\u00fc\u011fe girecek olup, 31.12.2019 tarihinde sona erer.<\/p>\n \u00c7al\u0131\u015fana ait sertifikalar ise, her bir \u00e7al\u0131\u015fan\/ kat\u0131l\u0131mc\u0131 i\u00e7in katk\u0131 pay\u0131 olarak yap\u0131lan ilk \u00f6demenin \u015eirket hesaplar\u0131na nakden intikal etti\u011fi tarihte y\u00fcr\u00fcrl\u00fc\u011fe girecektir.<\/p>\n \u0130\u015f bu s\u00f6zle\u015fme imza edilmi\u015f olmakla birlikte ilgili kamu idaresinin ba\u011fl\u0131 ve tabi oldu\u011fu merkezi kamu idaresinin, g\u00f6rev ve yetki alan\u0131 itibari ile merkez ve ta\u015fra te\u015fkilatlar\u0131 ile ba\u011fl\u0131 kamu idarelerini kapsayacak \u015fekilde ba\u015fka emeklilik \u015firketi ile \u2018Otomatik Kat\u0131l\u0131m Sistemine\u2019 kat\u0131l\u0131ma ili\u015fkin s\u00f6zle\u015fme imzalad\u0131\u011f\u0131 ve bu durumun \u015eirkete bildirildi\u011fi hallerde, bu s\u00f6zle\u015fme y\u00fcr\u00fcrl\u00fc\u011fe girmeyecektir.<\/strong><\/p>\n <\/a>14.9. OTOMAT\u0130K KATILIM \u0130\u015eVEREN GRUBA BA\u011eLI B\u0130REYSEL EMEKL\u0130L\u0130K S\u00d6ZLE\u015eMES\u0130N\u0130N SONA ERMES\u0130<\/p>\n \u0130\u015f bu s\u00f6zle\u015fme, y\u00fcr\u00fcrl\u00fckte oldu\u011fu d\u00f6nemdeki hak ve y\u00fck\u00fcml\u00fcl\u00fckler sakl\u0131 kalmak kayd\u0131 ile bir ba\u015fka \u015firkete aktar\u0131m halinde sona erer.<\/p>\n <\/a>14.10. DO\u011eRULUK KAPSAYICILIK VE B\u0130LG\u0130LEND\u0130R\u0130LME BEYANI<\/p>\n Ek\u2019leri ile birlikte 24 sayfadan olu\u015fan i\u015f bu s\u00f6zle\u015fmenin her bir sayfas\u0131 ve bu sayfadaki alanlar taraf\u0131m\u0131zca ayr\u0131 ayr\u0131 okunup de\u011ferlendirilmi\u015f, anla\u015f\u0131lmayan hususlar hakk\u0131nda s\u00f6zl\u00fc a\u00e7\u0131klamalar al\u0131narak tamam\u0131yla ve eksiksiz bir \u015fekilde anla\u015f\u0131lm\u0131\u015f olan s\u00f6zle\u015fme metninde kar\u015f\u0131l\u0131kl\u0131 mutabakat sa\u011flanm\u0131\u015ft\u0131r. S\u00f6zle\u015fme i\u00e7eri\u011finde yer alan t\u00fcm alanlar bilgimiz ve onay\u0131m\u0131z dahilinde ve taleplerimizi kar\u015f\u0131lar niteliktedir.<\/p>\n Z\u0130RAAT HAYAT VE EMEKL\u0130L\u0130K A.\u015e<\/strong><\/p>\n MERS\u0130S NO: <\/strong>0998071207300017<\/p>\n T\u0130CARET S.<\/strong>N:<\/strong> 698854<\/p>\n S.<\/strong>M\u00a0 : <\/strong>\u0130STANBUL<\/p>\n Tel: 0212 459 85 85\u00a0\u00a0 Fax:0212 587 67 00\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 M\u00fc\u015fteri \u0130leti\u015fim Merkezi:0850 222 97 00\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 www.ziraatemeklilik.com.tr\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 ahil edilecektir.<\/p>\n Ad\u0131na S\u00f6zle\u015fme Yap\u0131lan \u00c7al\u0131\u015fanlara \u0130li\u015fkin Bilgiler*<\/em><\/strong><\/p>\n *\u0130\u015fveren\/\u0130\u015fverenin Yetkili Temsilcisi taraf\u0131ndan her \u00e7al\u0131\u015fan\u0131n bilgisi ayr\u0131 ayr\u0131 temin edilecektir.<\/strong><\/p>\n D\u0130KKAT ED\u0130LMES\u0130 GEREKEN HUSUSLAR<\/strong><\/p>\n Not: Kat\u0131l\u0131mc\u0131 Veri Deseni yasal d\u00fczenlemeler ve s\u00f6zle\u015fme ili\u015fkileri kapsam\u0131nda gerek ve ihtiya\u00e7 g\u00f6r\u00fclen hallerde taraflardan birinin talebi ile de\u011fi\u015ftirilebilir ve\/veya yeniden d\u00fczenlenebilir.\u00a0<\/strong><\/p>\n Tahsilat Verisi<\/strong><\/p>\n a) Sicil Numaras\u0131<\/p>\n b) Vergi Kimlik Numaras\u0131<\/p>\n c) Ba\u011fl\u0131 bulundu\u011fu vergi dairesi<\/p>\n \u00e7) SGK \u0130\u015fyeri Sicil Numaras\u0131<\/p>\n d) (Banka vb.) \u015fubeler i\u00e7in \u015fubenin ba\u011fl\u0131 oldu\u011fu (bankan\u0131n) i\u015fverenin i\u015fyeri sicil numaras\u0131<\/p>\n a) \u0130sim \u2013 Soyisim<\/p>\n b) Tckn\/Mkn<\/p>\n c) Do\u011fum Tarihi<\/p>\n \u00e7) Telefon No ve\/veya E-Posta adresi<\/p>\n d) Maa\u015f Hesap IBAN Numaras\u0131<\/p>\n e) \u00c7al\u0131\u015fan Stat\u00fcs\u00fc:<\/p>\n i) Yeni Giren<\/p>\n ii) Mevcut \u00c7al\u0131\u015fan<\/p>\n iii) \u00dccretsiz \u0130zin vb.<\/p>\n iv) Ara Vermi\u015f – Talep \u00dczerine<\/p>\n a) D\u00f6nem Bilgisi (Y\u0131l\/Ay)<\/p>\n b) \u00dccret \u00d6deme G\u00fcn\u00fc (Y\u0131l\/Ay\/G\u00fcn)<\/p>\n c) \u00d6deme Tipi<\/p>\n i) Katk\u0131 Pay\u0131<\/p>\n ii) Kompanse\/Ek Katk\u0131 Pay\u0131 Tutar\u0131<\/p>\n iii) Eksik veya Hi\u00e7 \u00d6denmemi\u015f Katk\u0131 Pay\u0131 Tutar\u0131*<\/p>\n iv) Mahsup Tutar\u0131**<\/p>\n \u00e7) Katk\u0131 Pay\u0131n\u0131n Matraha Oran\u0131 (Kesinti Oran\u0131)<\/p>\n d) Katk\u0131 Pay\u0131 Tutar\u0131<\/p>\n * <\/strong>\u201cEksik veya hi\u00e7 \u00f6denmemi\u015f katk\u0131 pay\u0131 tutarlar\u0131\u201d i\u00e7in ayr\u0131ca d\u00f6nem bilgisi verilir veya bu tutarlar i\u00e7in yeni bir tahsilat verisi haz\u0131rlanabilir.<\/p>\n **<\/strong> \u201cMahsup edilecek tutarlar\u201d i\u00e7in (-) eksi bakiye yaz\u0131lacak d\u00f6nem ile (+) art\u0131 bakiye yaz\u0131lacak d\u00f6nem bilgisine yer verilir veya bu tutarlar i\u00e7in yeni bir tahsilat verisi haz\u0131rlanabilir.<\/p>\n Her ay \u0130\u015fverenden\/\u0130\u015fverenin Yetkili Temsilcisinden al\u0131nmas\u0131 gereken \u00e7al\u0131\u015fan veriler*<\/em><\/strong><\/p>\n *Bu verilerin i\u015fveren taraf\u0131ndan her ay, b\u00fct\u00fcn \u00e7al\u0131\u015fanlar i\u00e7in ayr\u0131 ayr\u0131 \u015firkete bildirilmesi gerekmektedir<\/strong>.<\/strong><\/p>\n D\u0130KKAT ED\u0130LMES\u0130 GEREKEN HUSUSLAR<\/strong><\/p>\n TAHS\u0130LAT VER\u0130 DESEN\u0130 dosyas\u0131ndaki \u00f6denecek katk\u0131 paylar\u0131n\u0131n ki\u015fi baz\u0131nda kay\u0131t edildi\u011fi alanda; \u015e\u0130RKET\u2019 e Otomatik Kat\u0131l\u0131m kapsam\u0131nda bildirimi yap\u0131lmam\u0131\u015f ve dolay\u0131s\u0131 ile s\u00f6zle\u015fmesi \u015e\u0130RKET taraf\u0131ndan d\u00fczenlenememi\u015f bir kay\u0131t iletilmesi halinde, \u00a0\u0130\u015eVEREN\u2019 in cezai i\u015flemler ile kar\u015f\u0131la\u015fmamas\u0131 amac\u0131 ile i\u015flem yap\u0131lmaks\u0131z\u0131n \u0130\u015eVEREN\u2019 e \u00a0s\u00f6zle\u015fmesi bulunmayan \u00e7al\u0131\u015fanlar\u0131n listesi elektronik posta arac\u0131l\u0131\u011f\u0131 ile iletilecektir. Bu durumda \u00a0\u0130\u015eVEREN taraf\u0131ndan KATILIMCI VER\u0130 DESEN\u0130 dosyas\u0131 arac\u0131l\u0131\u011f\u0131 ile \u00f6ncelikle bildirimde bulunulmal\u0131d\u0131r. Bildirimi \u0130\u015eVEREN taraf\u0131ndan hen\u00fcz yap\u0131lmam\u0131\u015f \u00e7al\u0131\u015fana ait<\/p>\n\n
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<\/a>MADDE 4-OTOMAT\u0130K KATILIM GRUBA BA\u011eLI B\u0130REYSEL EMEKL\u0130L\u0130K S\u00d6ZLE\u015eMES\u0130 KAPSAMINA ALINACAK \u00c7ALI\u015eANLAR VE \u015e\u0130RKETE B\u0130LD\u0130R\u0130M\u0130<\/p>\n
<\/a>5.1. S\u00d6ZLE\u015eMEN\u0130N D\u00dcZENLENMES\u0130 VE \u0130\u015eVERENE G\u00d6NDER\u0130LMES\u0130<\/p>\n
<\/a>5.2. \u00c7ALI\u015eAN SERT\u0130F\u0130KALARININ D\u00dcZENLENMES\u0130 VE G\u00d6NDER\u0130LMES\u0130<\/p>\n
<\/a>6.1. KATKI PAYI TUTARININ HESAPLANMASI<\/p>\n
<\/a>6.2. KATKI PAYI TUTARININ DE\u011e\u0130\u015eT\u0130R\u0130LMES\u0130<\/p>\n
<\/a>Otomatik Kat\u0131l\u0131m Gruba Ba\u011fl\u0131 Bireysel Emeklilik S\u00f6zle\u015fmesi kapsam\u0131nda kat\u0131l\u0131mc\u0131lara sa\u011flanan ek faydalar EK 4\u2019te yer almaktad\u0131r.<\/p>\n
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