(Effective 1 June 2025 – supersedes all prior versions)

1. General Eligibility

1.1 – Authorised Account Holder – Only the verified account owner (or an authorised attorney‑in‑fact) may initiate a withdrawal request.

1.2 – Compliance Checks – All withdrawal requests are subject to standard KYC/AML review and any applicable regulatory hold periods.

1.3 – Verified Owner Only – The named account holder or an authorised attorney‑in‑fact may submit a withdrawal request.

1.4 – Power of Attorney – If acting under POA, a notarised copy of the instrument must accompany the first request.

1.5 – KYC / AML Documentation (Compulsory for Every Withdrawal)

To comply with FATF guidelines and local regulations, all five documents below must be uploaded via your dashboard before each withdrawal is approved:

#	Document	Requirements
1	Government‑issued photo ID	Passport or national ID card; valid for ≥ 3 months from submission date
2	Proof of address	Utility bill, bank statement or government letter dated within the past 90 days
3	Credit / Debit card copy	Front side only; show last 4 digits & name, obscure CVV/expiry
4	Source‑of‑funds evidence	Payslip, tax return, sale‑of‑asset contract, dividend voucher, etc.
5	Latest 3‑month bank statement	Must cover the account used for deposits and show incoming funds

Incomplete or illegible files will pause the withdrawal clock until rectified.

2. Available Funds vs. Equity

2.1 – Withdrawals are limited to the available cash balance displayed in your dashboard and exclude unrealised equity in open positions.

2.2 – Where account funds are pledged as margin, they remain unavailable until the underlying trades are fully closed and settled.

2.3 – Cash‑only – Withdrawals may not exceed the available cash shown in your dashboard. Open‑position equity and funds held as margin are excluded.

2.4 – Pledged Margin – Collateral remains locked until trades are fully closed and settled.

3. Open Trades & Notice Period

3.1 – You must allow a minimum of three (3) to five (5) working days’ written notice to close open positions efficiently.

3.2 – Settlement of open trades can take up to three (3) additional business days before withdrawal processing begins.

4. Frequency & Fees

4.1 – Each account is entitled to one (1) fee‑free withdrawal per calendar month.

4.2 – Additional withdrawals within the same month may incur a processing fee. Contact your account manager for the current tariff.

4.3 – A full‑balance exit fee applies when you request to withdraw 100% of your account balance; all outstanding commissions and management fees must be paid in full prior to release of funds.

Item	Policy
Monthly quota	One fee‑free withdrawal per calendar month
Additional requests	Processing fee applies (refer to current tariff)
Full balance exit	All accrued fees/commissions must be paid; an exit processing fee may apply

5. Credit Lines & Borrowings

5.1 – Any outstanding credit facility, leverage trading balance position, or borrowing arrangement will restrict or reduce your withdrawable balance until the liability is repaid.

5.2 – Any credit line, negative balance, or margin loan must be cleared before withdrawal proceeds.

6. Payment Method

6.1 – Return of Capital – Principal deposits will be returned only to the original funding source (e.g., same bank account, card, or wallet).

6.2 – Profit Withdrawals – Net profits may be paid to any pre‑approved nominated account in the same name as the trading account.

6.3 – Crypto Transfers – Cryptocurrency withdrawals are fee‑free; gas/network costs are borne by the client and are executed under client control (Fortis Reserve signs but does not custody post‑transfer).

6.4 – Return of Capital – Principal is refunded only to the original funding source (same IBAN, card, or crypto wallet).

6.5 – Profit Payouts – Qualified profits may be sent to any pre‑approved account in the same legal name.

6.6 – Crypto Transfers – Gas/network fees are borne by the client; Fortis signs but does not custody assets once transferred.

7. Early‑Exit Profit Protection

7.1 – If you withdraw within the first 90 days of joining a Top‑Tier or Premium Membership, any promotional or protected profits may be forfeited.

7.2 – The Company may re‑calculate and deduct such promotional gains prior to release of funds.

7.3 – Hold‑period – Profits earned during the first 90 calendar days after your first deposit remain provisional.

7.4 – Early Exit – If any withdrawal request is lodged before day 91, provisional profits on the withdrawn amount are forfeited and returned to the trading pool. Principal is released in full.

7.5 – Full Qualification – From day 91 onward, all realised gains are yours to withdraw, subject to Sections 5–7.

8. Processing Times

8.1 – Approved withdrawals are generally processed within three (3) business days after trade settlement, subject to banking or blockchain network speeds.

8.2 – Delays caused by incomplete documentation, third‑party payment processors, or force‑majeure events are beyond Fortis Reserve’s control.

8.3 – Upon complete KYC approval and trade settlement, withdrawals are processed within three (3) business days. External banking or blockchain delays are outside Fortis Reserve’s control.

9. Why This Framework Exists

• • Strategy Consistency – Ensures portfolio stability and orderly execution to protect all clients from forced liquidations.
• • Loyalty Rewards – Benefits clients who maintain capital for the intended strategy horizon.
• • Cost Efficiency – Reduces forced liquidations and associated costs, allowing us to keep overall fees lower.
• • Reward clients who maintain capital for the full strategy horizon.
• • Satisfy global AML/CTF obligations.

10. Notice to Close Trades

10.1 – Written Notice – Email or dashboard request three (3) business days in advance to allow orderly position management.

10.2 – Settlement Lag – Trade settlement may require up to an additional three (3) business days before cash becomes withdrawable.

11. Amendments

Fortis Reserve reserves the right to amend these Withdrawal Terms & Conditions with 14 days written notice. Continued use of the Platform after such notice constitutes acceptance of the revised terms.