1. SPECIFICITY OF THE TERMS HEREIN
1.1. All the rules, terms and regulations contained in this document are to be considered as applying without prejudice to General
Terms & Conditions for the provision of services binding a customer and XTM International Limited.
1.2. No provision contained herein shall be construed to limit XTM International Limited’s ability to manage, limit and respond to
behavior that in XTM’s sole view could be, or pose the risk of being criminal, otherwise illegal or detrimental to XTM.

2. WITHDRAWALS
WITHDRAWAL REQUESTS
2.1. Withdrawal requests should be submitted by Clients online via the Client Office. Upon selecting the withdrawal option, a bank
account should be added for the purpose of the withdrawal of funds. Clients should complete the account details and attach a
supporting document.
2.2. In line with applicable regulations as well as for the safety of our Clients XTM verifies the bank account before processing
the withdrawal.
2.3. The following conditions need to be met by the Client upon submitting a withdrawal request:
A. Clients should provide a bank statement, outgoing transfer confirmation or bank reference letter containing the
following information:
– client’s full name (including first and last name)
– bank account number
– issue date (the document’s should be issued within the last 3 months)
– bank details (including name and country)
B. Provide an IBAN number (if applicable)
C. The withdrawal amount shouldn’t exceed the Free Margin on the Client’s account.
D. XTM reserves the right to request additional information should it see it necessary to process the verification
according to best industry standards and regulatory needs.
2.4. XTM verifies the Client’s bank account only during the first withdrawal. For any subsequent withdrawal requests funds are sent
to the already registered bank account; unless a Client wishes to withdraw the funds to a different account, then the verification
process needs to be repeated.

BENEFICIARY OF FUNDS
2.5. Withdrawal of funds can only be made to the bank account whose beneficial owner is the same as the holder of the trading
account. The Company will not proceed with withdrawals to third party or anonymous accounts.

REQUESTS FOR FURTHER INFORMATION
2.6. The Company reserves the right to review its Client’s trading account, account history, supporting documentation and to request
additional information prior to completing any withdrawal request. If necessary, the Company can contact the Client with further
queries. In this case, the withdrawal request should be put on hold by the Company until the outstanding matters are resolved.
The Client will be informed accordingly.

DEPOSITS
4.1. Funds should be deposited by Clients from a source where the beneficial owner of the funds is the same as the holder of the
trading account.
4.2. XTM reserves the right to request from a Client a confirmation of being a beneficial owner of the funds deposited at any time
before funds can be credited into a trading account, regardless of the payment method. Failure to provide the requested proof
may result in rejection of the deposit and returning them to the remitter deducting any transfer fees or other charges
incurred by XTM.
4.3. XTM reserves the right to ask Clients to provide a scanned color copy or a photo of both the front and back pages of a credit card
used for deposits. Clients should cover part of the number shown on the card so that only the first and last 4 digits are visible as
well as cover the CVV number from the back of the credit card. In order to protect the integrity of the financial system, XTM takes
great precautions when dealing with security alerts for credit card payments. For this reason, although XTM strives to credit
Clients’ credit card deposits as soon as possible, it cannot be guaranteed that the funds will be credited immediately after the
depositing, as in some cases additional verification of payments might be required.
4.4. Deposits can be made online via the Client Office. Upon selecting the deposit option, a selection of deposit methods will be
available to choose from. Some of these options, however, might not be available if Client’s funds originate from a country other
than the country of Client’s residence as declared and recorded on Client’s Account.
4.5. XTM reserves the right to reject any funds originating from a country other than declared by the Client country of residence.
4.6. XTM reserves the right to reject any funds originating from an institution that XTM finds as failing to comply with the international
AML standards and requirements.
4.7. XTM will not be liable for any losses incurred as a result of rejecting deposits or delays in processing of Clients’ deposits, including
and not limited to payments made to cover on-going margin requirements. It is the sole responsibility of Client to ensure the
trading account has sufficient funds to cover any margin requirements.