2 (two) copies of passport size recent photograph attested by the introducer for each applicant.

Transcription

1 wnmv ei g Name of the Account wnmve bs Account No. BDwbK Kv gvi AvBwW KvW Unique Customer ID Code

2 2 (two) copies of passport size recent photograph attested by the introducer for each applicant. Av e`bkvix c` vbkxb gwnjv n j, e vs Ki m vbxq MÖvnK A_ev MÖnY hvm e w³ KZ K cwiwpwzmn Pnviv Db y³ Qwe cö`vb Ki Z n e c` vbkxb wbiÿi gwnjvi Pnviv Db y³ Qwe cö`vb Ki eb Ges cö Z K jb ` bi mgq Pnviv Db y³ i L ^vÿxm gz ^kix ii Dcw Z _vk eb Pordanashin woman, introduced by the client or an acceptable person to the Bank, has to submit face exposed photograph. A prodanshin illiterate women will also provide a face exposed photograph and remain physically present along with the witness keeping her face open at the time of transaction. 1. nvjmv` UªW jvb mý (Uptodate Trade License). 2. wnmve cwipvji Rb Aby gv`bk Z KvMR cöwzôv bi juvi nw c v W mxjmn Dc vcb Ki Z n e (Authorized papers must be submitted in the letter head pad of the firm with Seal). 3. cöwzôvb KZ K Aby gvw`z wnmve cwipvjkvixi ^vÿ ii cöz qb cî (Signature of authorized operator certified by the Firm). 1. Uªv `wjj (Trust Deed). 2. Uªvw ev W i m`m `i c~y cwiwpwz (Full identity of the Trustee Board Member) 3. Av e`b c Î mkj Uªvw i ^vÿi _vk Z n e (The account opening form must be signed by all the trustees) 4. Aby gvw`z e w³/e w³my KZ K wnmvewu Lvjv I cwipvwjz n e GB g g h_vh_ KZ c ÿi M nxz wm v šíi Abywjwc (Photocopy of Resolution of proper authority authorizing operator can open and operate the account). 1. nvjmv` UªW jvb mý (Uptodate Trade License). 2. Askx`vix `wjj (Partnership Deed). 3. Askx`viMY GKK ev hš_fv e (Ab vb Askx`vi KZ K h_vh_fv e Aby gvw`z) wnmve cwipvj Ki Z cvi e (Partners can operate the account or 1. h AvBb ev weav bi gva g Av e`bkvix cöwzôvb MwVZ n q Q Zvi Abywjwc (Photocopy of Law or Regulation on which applicant 1. g gv iûvg GÛ AvwU Kjm Ae G mvwm qkb Gi mz vwqz Abywjwc (Attested 1. Constitution/bye-laws 2. Awdm weqvivi `i ZvwjKv (wvkvmn) (List of Office bearers (with Firm has been formed) jointly (authorized by other partners). photocopy of Memorendum & Articles of Association). 2. mvwu wd KU Ae BbK c v ikb Gi Abywjwc (Photocopy of Certificate of Incorporation). 3. mvwu wd KU Ae K gý g U Ae wer bm Gi Abywjwc (cvewjk wjwg UW Kv úvbxi ÿ Î cö hvr ) (Photocopy of Certificate of Commencement of Business for Public Limited Company). 4. Aby gvw`z e w³/e w³my KZ K wnmvewu Lvjv I cwipvwjz n e GB g g Kv úvbxi cwipvj cl ` KZ K M nxz wm v šíi Abywjwc (Photocopy of Resolution of Board of Directors authorizing operator can open and operate the account). 5. G R U KZ K wnmve Lvjv Ges cwipvji Rb G R Ui mv _ Pzw³i Abywjwc (Photocopy of Agreement with Agent with regard to opening & operating the account by the Agent). Page : 2 of 12 address). 3. Aby gvw`z e w³/e w³my KZ K wnmvewu Lvjv I cwipvwjz n e GB g g h_vh_ KZ c ÿi M nxz wm v šíi Abywjwc (Photocopy of Resolution of proper authority authorizing operator can open and operate the account) 4. iwr vw n j mvwu wd KU Ae iwr ªkb Gi Abywjwc (Photocopy of certificate of registration, if registered)

3 Bmjvgx e vsk evsjv `k wjwg UW Islami Bank Bangladesh Limited wnmve Lvjvi Av e`b dig (Account Opening Form): Avwg/Avgiv Avci kvlvq GKwU wnmve Lvjvi Rb Av e`b KiwQ Avgvi/Avgv `i wnmve msµvší I cöwzôv bi we ÍvwiZ Z_ cö qvrbxq bw_cî mn wb œ cö`vb KiwQ I/We, hereby, am/are applying for opening an account at your branch. In this regard, I/We are submitting my /our account related as well as detailed information of the Firm with necessary documents below. 1. wnmv ei g (evsjvq) Name of the Account (In Bangla):... Bs irx Z (Block Letter) In English: wnmv ei cök wz [wuk ( ) w`b] Nature of Account (Please tick): gy`vivev gqv`x Rgv wnmve (MTDRA) gy`vivev mwfsm eû wnmve (MSBA) Mudaraba Term Deposit Receipt Account (MTDRA) Mudaraba Savings Bond Account (MSBA) gy`vivev gvwmk gydv wfwëk Rgv wnmve (MMPDSA) Mudaraba Monthly Profit Deposit Scheme Account (MMPDSA) 3. wnmv ei gqv` c~wz i ZvwiL (Tere of Account & Date of maturity) K. MSBA n j [wuk ( ) w`b] 5(cvPu) eqi 8(AvU) eqi For MSBA (Please tick) L. MTDRA n j [wuk ( ) w`b] For MTDRA (please tick) 5(five) years 1 (GK) gvm 5. wnmve Lvjvi D Ïk [wuk ( ) w`b]: Purpose of A/C opening (please tick) 24 (PweŸk) gvm 24(twenty four) months 36 (QwÎk) gvm 36(thirty six) months wnmv ei b ^i hlv b gydv Rgv n e (Number of account in which profit will be deposited):... e emv mâq Business UvKv Taka Wjvi cvdû Euro hš_ D ` vm Joint Venture hš_fv e Askx`vix Uªv NPO v h Kvb GKRb A_ev RxweZ Rb Either or Survivor cövb fu/cvewjk wj: Private/Public Ltd. mikvix Gov't GbwRI NGO Ab vb Others K ve/ mvmvbwu Club/Society Ab vb (D jøl Kiæb)... Trust Others Jointly Partnership Ab vb (D jøl Kiæb):... Others (Mention) Ab vb... Pound GKKfv e Singly GbwcI Is Account maintained in Bank (if any) (please tick): Family Maintanance BD iv Dollar GKK gvwjkv Nature of Applicant's Firm (please tick): Proprietorship cwievi cwipvj Savings Declaration regarding Account operation : (please tick): 7. e vs K cwipvwjz wnmve Av Q wk [wuk ( ) w`b]: 12(twelve) months 5 (five) years K) wnmve cwipvj msµvší NvlYv [wuk ( ) w`b]: L) Av e`bkvix cöwzôv bi cök wz: 12 (evi) gvm 6(six) months 5 (cvpu) eqi 3 (three) years c~wz i ZvwiL (Date of maturity) t... 6 (Qq) gvm 3(three) months 3 (wzb) eqi For MMPDSA (Please tick) Currency (please tick): 3 (wzb) gvm 1(one) month M. MMPDSA n j [wuk ( ) w`b] 6. gy`ªv [wuk ( ) w`b]: 8(eight) years Others (please mention) No DËi v n j: If yes : Page : 3 of 12

4 8. cöwzôv bi wvkv (Address of Firm): (K) iwr vw wvkv (Registered Address):... (L) e emv j/awd mi wvkv (Business/Office Address):... (M) KviLv/wkí cöwzôv bi wvkv (Address of Factory/Industrial Firm): UªW jvb mý b ^i (Trade License No.):...Bmy ZvwiL (Date of issue): wbeüb KZ cÿ I `k (Registration Authority and Country): wbeüb b ^i (Registration No):... ZvwiL (Date): B jkuªwbk U v AvBwW b ^i (E-TIN): f vu iwr ªkb b ^i (hw` _v K) (VAT ID,if any): e emvi Z_ (Information of business): K. aiy (Type) [wuk ( ) w`b] UªwWs (Trading) mev (Service) Drcv`b (Production) L. cy ev mevi aiy (Nature of service): M. e emv q wb qvwrz gvu Rbej vqx/a vqx (Total manpower permanent & temporary): N. evwl K UvY Ifvi (Anal turnover): O. cöwzôv bi bxu m ú` (Net asset of Firm): P. Ab vb Z_ cö hvr ÿ Î (Other information if applicable): 15. (K) g (evsjvq) :... Bs irx Z:... Name (In Bangla) In English (L) wnmv ei g (Name of the Account) :... Bs irx Z (In English):... (M) wnmve bs:... RvZxq cwipq cî bs:... Account No. National ID No. (N) kvlvi g (Branch Name):... (O) hvmv hv Mi gva g (Media of Communication): Uwj dvb (Telephone):... gvevbj bs (Mobile No):... (P) Employee ID No (cwipq`vbkvix e vs Ki Staff n j)... (P) ^vÿi (ZvwiLmn) Signature (with Date): Page : 4 of 12 MÖvn Ki mv _ m úk (Relation with the customer):...

5 16. (Q) RvZxq cwipqcî b ^i/cvm cvu bs/ WªvBwfs jvb mý/b jkuªwbk-u v AvBwW b ^i :... National ID No/Passport No/Driving License/E-TIN No. (R) Rb ZvwiL/eqm :... (S) Rb wbeüb mb` bs:... Date of Birth/Age Birth registration certificate No (T) bwgbxi vqx wvkv:... Permanent address of Nominee (U) ez gvb wvkv:... (V) bwgbx GKvwaK n j (kzkiv nv i):... Present address If nominee is more than one (in Percentage) (W) bwgbx evjk n j Zvi/ Zv `i evjk _vkv Ae vq wnmveavix/wnmveavix Yi g Zz i ÿ Î e vk Kv úvwb AvBb, 1991 Gi 103 (2) aviv Abyhvqx Avgvb Zi UvKv MÖnYKvixi Z_ (Information of the receiver of deposit in favour of the minor while Account Holder expiers Keeping the nominee in the age of minor as per section 103 (2) of Bank Company Act, 1991): i) g (Name): ii) wczv/ ^vgx Gi g (Name of the Father/ Husband): iii) Rb ZvwiL (Date of Birth): iv) ez gvb wvkv (Present Adress): v) vqx wvkv (Permanent Adress): vi) µwgk ÔSÕ Abymv i ˆea Awffve Ki cwiwpwzcî msµvší Z_ (Information regarding identity of legal guardian as per serial no. 'Jha'): vii) bwgwbi mv _ m úk (Relation with Nominee): * Kvb Awbevmx K bwgbx Kiv n j H Awbevmx mswkøó wnmv ei A_ cövc n j cövß A_ we ` k cöi Yi ÿ Î we` gvb ˆe `wkk gy`ªv wbqš Y AvB bi wewa weavb cö hvr n e If the nominee is Non-Resident and when the person is entitled to get the amount of the account, in that case the existing rules of Foreign Exchange Regulation Act shall be applicable for remitting the fund outside the country. * bwgbx GKvwaK n j di gi GB Ask d UvKwc K i g~j As ki mv _ mshy³ Ki Z n e * ïaygvî Rb wbeüb mb`cî cö`vbc~e K wnmve Lvjvi ÿ Î Rb wbeüb mb`c Îi AwZwi³ MÖvnK/wnmve cwipvjkvixi Av jvkwpîmn h Kvb cwiwpwzcî cö`vb Ki Z n e * we `kx Mwi Ki ÿ Î cvm cvu, ˆea wfmv Gi Abywjwc 17. If the nominee is more than one, photocopy of this part of the AOF to be attached with the original form. In case of opening of account providing only Birth Registration Certificate, the customer must submit, any photo paste ID. Copy of passport along with valid VISA to be enclosed. GKKvjxb Rgvi cwigvyt... Rgvi aib: [wuk ( ) w`b] Amount of fixed deposit Nature of deposit bm` Cash PK Cheque UªvÝdvi Transfer P K Rgv n j, PK bs (If deposit by cheque, Cheque No): A _ i Drm (mywbw` ó I we ÍvwiZ) t... Source of Fund (Specific & Detailed) Page : 5 of 12

6 19. [ ( ) [ 20. Avwg/Avgiv GB g g wbðqzv cö`vb KiwQ h, Avwg/Avgiv wnmve msµvší hvezxq wbqgvejx/kz vejx c owq Ges D³ wbqgvejx/kz vejx g b Pj Z eva _vke Avwg/Avgiv máv b NvlYv KiwQ h, D jøwlz Z_ vw` mz Ges Avwg/Avgiv cö`ë Z_ vw`i AwZwi³ e vs Ki Pvwn`v gvzv ek Z_ /`wjjvw` mieivn Kie I/We, here by, am/are confirming that I/we have read all rules/ conditions concerned with the account and will be obliged to abide by those rules/conditions. I/We, am/are also declaring with conscious mind that the information mentioned above are correct and I/we will provide all information /documents as per requirement of the Bank in addition to the documents provided. Page : 6 of 12

7 1. MÖvnK/ ewbwdwmqvj Ii/ cwipvj Ki g (evsjvq) t... Name of the Customer/Beneficial owner /Operator (In Bangla) Bs irx Z (Block Letter) t... In English 2. wnmv ei mv _ m úk [wuk ( ) w`b] t K) mvaviy wnmve (General Accoun): cö_g Av e`bkvix 1st applicant cök Z myweav fvmx Beneficial owner wøzxq Av e`bkvix Z Zxq Av e`bkvix 2nd applicant evjk 3rd applicant wnmve cwipvjkvix cwipvjk Operator Director AwffveK Minor GKK ^Z vwakvix Proprietor G vub x nvìvi 0 Guardian Askx`vi Attorney holder Uªvw Partner Ab vb Trustee Others L) mikvix wnmve (Government Account): G vub x nvìvi Attorney holder 3. wnmve cwipvjkvix cöavb wbe vnx Kg KZ v Operator Chief Executive Officer wczvi g (evsjvq)t... Father s Name(In Bangla) Bs irx Z (Block Letter)t... In English 4. gvzvi g (evsjvq) t... Mother s Name(In Bangla) Bs irx Z (Block Letter)t... In English 5. ^vgx/ xi g (evsjvq)t... Name of the Spouse(In Bangla) Bs irx Z (Block Letter)... In English RvZxqZvt... Nationality Rb ZvwiL t... wuk Date of birth ( ) w`b cyiæl Please tick gwnjv Male Z Zxq wj½ Female 3rd Gender 8. Rb vb ( `k mn) t... RvZxq cwipqcî bs t... Bmy Kvix KZ c : ckv (we ÍvwiZ D jølc~e K `wjjvw` cö`vb Ki Z n e) t... Occupation ( Please mention in detailed and produce the related documents ) Place of birth (with country) National ID No. Issuing Authority 10. gvwmk Avq, we ÍvwiZ `wjjvw`mn (Monthly Income, with detailed documents) cvm cvu b ^i (hw` _v K) t... gqv` t... Bmy Kvix KZ c t... Passport No. (if any) Date of expiry Issuing Authority 12. Rb wbeüb mb`cî b ^i t... Ab vb (mywbw` ófv e D jøl Kiæb) t... Birth Registration Certificate no. Others (Mention specifically) 13. B jkuªwbk-u v AvBwW b ^i t... WªvBwfs jvb mý b ^i t... gqv` t... Bmy Kvix KZ c :... E-TIN No. Driving License No. Date of expiry Issuing Authority (K) ez gvb wvkv (Avevm j) t... Present address (Residence) Uwj dvb t evmv t... Awdm t... gvevbj t... Telephone : (Residence) Office Mobile B- gbj ( ) t... d v (Fax)t... (L) wvkvi aib [wuk ( ) w`b] Nature of Address ˆcwÎK Paternal 0 wbr 0 Self fvov 0 cöwzôvb KZ Rental K cö`ë Provided by Employer Ab vb (D jøl Kiæb):... Others (Mention) Page : 7 of 12

8 (M) c~e ez x wvkv (ez gvb Avevm j wzb eq ii Kg n j ) t... Previous address (If the Residence is less than 03 years) Uwj dvb t evmv t... Awdm t... gvevbj t... Telephone: (Residence) Office Mobile B- gbj ( ) t... d v (Fax)t vqx wvkv (Permanent address): ckvmz wvkv (Business address )t µwwu KvW msµvší Z_ t Bmy Kvix cöwzôvb I KvW b ^i t (1) vbxq... (2) AvšÍR vwzk... Information regarding Credit Card: Issuing Organization & Card No: Local International 17. MwiKZ GKvwaK n j t (1) ivóª (Country) :... (2) cvm cvu Bmy Kvix KZ c (Passport issuing authority) :... (3) cvm cvu gqv `vëx Y i ZvwiL (Expiry date of passport): ˆeevwnK Ae v [wuk Marital status ( ) w`b] 19. iwm WÝ vuvm (wuk ( ) w`b) Residence status (please tick) weevwnz AweevwnZ 0 Married ZvjvKcÖvß 0 Unmarried iwm W U Divorcee bb- iwm W U Resident Non-resident 20. Riæix cö hvr b hvmv hv Mi Rb g bxz e w³/ Awdm KZ K g bxz wekí mikvix Kg KZ v (Nominated person/substitute govt. official, in case of emergency correspondence): g (Name) t... wvkv (Address) t... wnmveavix/wnmve cwipvjkvixi mv _ m ck (Relation with Account Holder/ Operator) t... B- gbj ( ) t... gvevbj (Mobile) t bb- iwm W U evsjv `kx n j wb gœv³ Z_ vw` c~iy Ki eb (The following information to be filled in, if the customer is Non-Resident Bangladeshi) Passport No... Date of Issue... Issued by... Issued at... Date of Visa (If available)... Validity date of Visa... Issuing authority of Visa... Occupation... Foreign address... Introduced by Bangladesh Embassy/Bonafide Account Holder of any Branch/IBBL Representative working abroad (In case of those only who wish to open account from abroad): Seal & Signature of A/C Opener Seal & Signature (Bangladesh Embassy/Account Holder/IBBL Representative) 22. MÖvnK FATCA cwicvj bi Rb hvm wk? 0 Whether the customer is eligible for complying with FATCA? v 0 No. v n j, FATCA cwicvjb Aek B wbwðz Ki Z n e If yes, FATCA compliance must be ensured. DËi Av e`bkvixi /wnmve cwipvjkvixi ^v i, ZvwiLmn (Applicant s /Operator s Signature with Date) wnmve Lvjvi Kg KZ v (ghy³ mxjmn ^v i I ZvwiL) Account opening officer (Seal with Name, Signature & Date Aby gv`bkvix Kg KZ v (kvlv cöavb) (ghy³ mxjmn ^v i I ZvwiL) Authorized officer (Head of Branch) (Seal with Name, Signature & Date) * ïaygvî Rb wbeüb mb`cî cö`vbc~e K wnmve Lvjvi Î Rb wbeüb mb`c Îi AwZwi³ MÖvnK/wnmve cwipvjkvixi Av jvkwpîmn h Kvb cwiwpwzcî cö`vb Ki Z n e In case of opening of account by only Birth Registration Certificate, the customer has to submit, in addition, any photo paste ID. * MÖvnK/ wnmve cwipvjkvixi Proof of Address Gi ^c WKz g Um msmön Ki Z n e Documents to be collected in favor of proof of address of customer/account operator. Page : 8 of 12

9 1. wnmv ei g (evsjvq):... Name of the Account (In Bangla) Bs irx Z (Block Letter):... In English 2. wnmv ei cök wz :... Nature of the Account cöwzôv bi cök wz :... Type of the Firm 3. cöwzôv bi bxu m ú`:... Net woth of the Firm 4. MÖvn Ki ckv (we ÍvwiZ):... Occupation of Customer (Detailed) 5. A _ i Drm/Drmmg~n (we ÍvwiZ): A _ i Drm wbwðz Kivi Î msm nxz `wjjvw` (Documents collected to assertain the source of fund): 1)... 2)... 3) msm nxz `wjjvw` hvpvb Kiv n q Q wk [wuk ( ) w`b] 8. wnmveavixi wvkv (mg~n) wkfv e hvpvb Kiv n q Q (we ÍvwiZ)... How the addresses of the customer have been verified (Detailed) 9. wnmv ei cök Z myweav fvmx (Beneficial Owner) wba viy Kiv n q Q wk? 0 v 0 DËi v n j: cök Z myweav fvmx (Beneficial Owner) Gi Avjv`v CIF mshy³ K i Qb wk? 0 v Source/Sources of Fund (Detailed) v 0 Whethere documents collected are verified Has any benificial owner of the account been detected? 10. cwiwpwz c Îi Abywjwc [wuk ( ) w`b] Photocopy of identity No No. If yes: Has separate CIF of the beneficial owner been attached? No B-wUb mb` 0 f vu iwr ªkb b ^i cöwzôv bi wbeüb mb` E-TIN Certificate Vat regs. Certificate 0 Ab vb (D j L Kiæb):... Firm Registration Certificate Others (please mention) 11. e vsk wnmve cwipvj msµvší wm vší (mikvix wnmv ei Î) Resolution regarding operating of the A/C (For govt. A/C ) msm nxz `wjjvw` hvpvb Kiv n q Q wk [wuk ( ) w`b] v 0 Whethere documents collected are verified No 12. K) we `kx cöwzôv bi wnmve Lvjvi D Ïk (Purpose for opening Account of Foreign Firm):... mswkøó wbqš YKvix KZ c i g (Name of the concerned regulatory authority):... Aby gv`b msµvší Z_ (Information regarding approval):... L) wfmvi cök wz (Nature of Visa):... gqv` DËx Y i ZvwiL (Date of expiry)... M) wnmve Lvjvi Rb h_vh_ KZ c i Aby gv`b i q Q wk [wuk ( ) w`b] t 0 v Whether it has permission from the competent authority for opening Bank account? (please tick) No 13. MÖvnK cwjwukvwj G cvm&w cvimb&m (PEP) /cªfvekvjx e w³/avšír vwzk ms vi cöavb/d P ch v qi Kg KZ v Ges Zv `i Close Associates wk (wegdavbbd mvkz jvi G ewb Z msávbymv i)? Is the customer PEPs/Influential Person/Head of International Organization /High Officials & their Close Associate (As per definition of BFIU Circular)? 0 v () 0 (No) DËi v n j (if yes) : K) wmwbqi g v br g U n Z Aby gv`b bqv n q Q wk? [wuk ( ) w`b] t 0 Whether permission has been taken from the senior management? (please tick) L) MÖvn Ki gy LvgywL mv vrkvi bqv n q Q wk? [wuk ( ) w`b] t 0 Whether face to face interview has been taken from the customer? (please tick) v 0 v 0 No No 14. K) mswk ó AvBb, wewagvjv I mvk yjv ii Av jv K MÖvn Ki g RvwZms Ni wbivcëv cwil `i wewfbœ iry jk bi AvIZvq mš vm, mš vmx Kvh I e vck aÿsmvz K A we Ívi A_ vq b RwoZ m ` n ZvwjKvf~³ Kvb e w³ Ges evsjv `k mikvi KZ K ZvwjKvf~³ Kvb e w³i gi ZvwjKvi mv _ hvqvb evqvb c~e K Kvb wgj cviqv wm q Q wk [wuk ( ) w`b] t 0 v 0 (At the time of verification, has the name of the customer been found similar with the sanction list as suspected by UN Security council in each different resolutions with regard to terrorism, terrorist activities and proliferation of any weapons of mass destruction and also black listed by Bangladesh Govt. as per concerned acts, rules and circular) (please tick) : No. * DËi v n j M nxz e e vi weeiy If yes, please mention the steps taken in detailed:... Page : 9 of 12

10 L) MÖvn Ki g Kvb Sanction ev Adverse Media Report Av Q wk? 0 Is there any Sanction or Adverse Media Report against the customer? (please tick) v 0 No. * DËi v n j M nxz e e vi weeiy If yes, please mention the steps taken in detailed: wi MÖwWst (Risk Grading): D P (High) wbgœ (Low) (e vsk Kg KZ v MÖvn Ki e vemv qi ev ckvi cök wz, A _ i gvîv, e emv qi GjvKv, e emv qi AvKvi, wnmv ei cök Z myweav fvmx cöf wz welq mg~n we epq wb q MÖvn Ki SzuwK D P ev wbgœ Zv wba vib KiZ gšíe mn D j L Ki e PvKzixi ÎI Abyiæcfv e we ÍvwiZ aviyv jvf KiZ: we kl K i PvKzixi cök wz I `vq`wq Z i wbwi L SzuwK wbiæcy Ki Z n e) Bank official can determine the risk with comments in the grade of High/Low considering the Nature of business/profession,amount of money,area of business, volume of business, nature of beneficial owner of the account. Risk can also be determined for service in the same way, specially getting detailed idea about nature of the job and its responsibility. cö ZKvix (wnmve Lvjvi Kg KZ v) (ghy³ mxjmn ^vÿi I ZvwiL) Preparing Officer Seal with Name, Signature & Date) ch v jvpkvix I wbwðzkvix Kg KZ v (kvlv gvwbjûvwis cöwz iva cwicvjb Kg KZ v) (ghy³ mxjmn ^vÿi I ZvwiL) Verifying Officer Seal with Name, Signature & Date) g v brvi Acv ikbm (ghy³ mxjmn ^vÿi I ZvwiL) kvlv e e vck/kvlv cöavb (ghy³ mxjmn ^vÿi I ZvwiL) Manager Operations Seal with Name, Signature & Date) Branch Incumbent/ Head of Branch Seal with Name, Signature & Date)... PEP/IP/AvšÍR vwzk ms vi DaŸ Zb Kg KZ v Gi ÿ Î Aby gv`bkvix Da Zb Kg KZ v (ghy³ mxjmn ^vÿi I ZvwiL) Authorized Senior Officer, in case of PEP/IP/Senior official of any International Agency (Seal with Name, Signature & Date) 16. wnmve I MÖvnK msµvší Z_ vw` me kl ch v jvp Ges nvjmv` Kivi ZvwiL (Latest date of review & update of information with regard to account & customer):... ch v jvp Ges nvjmv` Kvix Kg KZ v (ghy³ mxjmn ^v i I ZvwiL) Reviewing & Updating Officer (Seal with Name, Signature & Date) Page : 10 of 12

11 cö hvr wbqgvejx (Applicable Rules) kz vejx (Conditions) 1. GwU wnmveavix MÖvnK Ges Bmjvgx e vsk evsjv `k wjwg U Wi g a m úvw`z Bmjvgx kixqvn wfwëk GKwU gy`vivev Pzw³ (This is a Mudaraba contract based on Islamic Shariah accomplished between the account holder and Islami Bank Bangladesh Limited). K. GLv b wnmveavix MÖvnK n Q Òmvwne Avj-gvjÓ (A _ i gvwjk) Ges e vsk n Q Ògy`vwieÓ (Kvievi msmvk) [In the contract, the account holder is called " Shaheb Al Maal" (Owner of the fund) and the Bank is " Mudarib"(Entrepreneur/Business Organizer). L. 2. Bmjvgx kixqvn ewy Z bxwzgvjvi wfwë Z e vsk GB A_ RgvMÖnY K i Ges RgvK Z A_ kya~gvî Bmjvgx kixqvn& m Zfv e wewb qvm K i (Bank receives the fund on the basis of Islamic Principle and invests the same in accordance with the guidance of Islamic Shariah). M. e vsk gy`vivev Znwej wewb qvm K i cövß Av qi Kgc kzkiv 65 fvm gy`vivev wnmveavix `i g a I q UR wfwë Z e Ub K i wewb qvm jvkmvb n j gy`vivev wnmveavixmy Zv enb K i (Bank N. O. P. e vsk wb œ ewy Z wbq g RgvK Z A_ I gydv dir cö`vb Ki e (Bank will return deposited fund and profit in the ways stated below). GQvov Bmjvgx kixqvn& ewy Z gy`vivev Pzw³i Ab vb kz vejx cö hvr n e (The other conditions of Mudaraba principle stated in the Islamic Shariah will also be applicable in this contract). h kvlv _ K MTDRA/MSBA/MNSBA/MMPDSA µq Kiv n q Q ïaygvî m kvlv _ K fv½v ev bm`vqb Kiv hv e, Kvb Ae vqb Ab kvlvq wnmvewu všíi Kiv hv e distributes minimum 65% of its earned income on the basis of weightage to the Mudaraba account holders through the investment of Mudaraba fund. Loss will be born by Mudaraba account holders). MTDR/MSB/MNSB/MMPDS can be encashed/discounted only to the branch from which the same is purchased, account will not be transferred to other Branch. evrmwik PzovšÍ jv fi nvi NvwlZ niqvi c~ e Kvb Rgv wnmve eü Kiv n j D³ RgvKvix mvgwqk nv i jvf wb Z eva _vk eb Z e gydvi PzovšÍ nvi Nvli c i NvwlZ PzovšÍ nvi cö`ë mvgwqk nv ii P q ekx n j Zv MÖvnK K cö`vb Kiv nq m Î MÖvnK K mvaviyz: GKwU gy`vivev mâqx wnmve/avj-iqvw`qvn PjwZ wnmve cwipvj Ki Z n e (If any account is closed before finalization of anal profit-loss of the Bank, profit is distributed at higher rate to the account holder when final declared profit rate would be greater than the provisional rate. In that case, customer has to maintain a Mudaraba Savings Account/Al- Wadia Current account). 3. e vsk Kvbiƒc Kvib `k v e wzz h Kvb wnmve eü Ki Z cvi e Ges G Rb Kvb wuk cö`vb Kiv n e (Bank can close any account without showing any reason to the Account holder, in this regard Bank is not required to issue any notice). 4. Kvb Rgvi Dci MÖvn Ki wnmve _ K e vsk hvkvz cö`vb K i MÖvnK K wbr `vwq Z hvkvz cö`vb Ki Z n e (Bank does not pay " Zakat" from any customer s deposit Account. The customer 5. wnmveavixi wvkvi Kvb cwiez b n j Awej ^ e vsk K Rv Z n e e vsk mvaviyz WvK/Kzwiqvi hv M wnmveavixi mv _ hvmv hvm K i WvK/Kzwiqvi hv M cöwiz Kvb wpwvcî h_vmg q ev Av `Š wewj n j e vsk `vqx _vk e e vsk wnmve _ K mikvix wbqgvbyhvqx f vu, Ki ev ïé KZ b Kiv n e (The customer has to inform the Bank immediately, if any change occurs in the address of the himself will be responsibile for payment of "Zakat" from his/her Account). account holder. Bank generally communicates with the Account Holder through postal/courier service. Bank will not be held responsible, if no letters/documents are delivered in time or at all through postal/courier service ). 6. wnmveavix KZ K Zvi g Zz i ci RgvK Z UvKv cö`v bi Rb bwgbx g bxz Ki Z cvi eb wnmveavi Ki g Zz i ci mswkøó wnmv ei RgvK Z A_ D Ëvj bi Rb bwgbxkz K Zvi Av e`b c Îi mv _ g bq bi ^c cögvb ^iƒc wbgœwjwlz KvMRcÎ/`wjjvw` `vwlj Ki Z n e G Î bwgbx KZ K KvU cö`ë DËivwaKvi mb` `vwlj Kivi cö qvrb bb (K) wnmveavixi g Zy RwbZ mb`cî cöev m g Zz n j mb`cî mswkøó ` k Aew Z evsjv `k `~Zvevm KZ K cöwz ^v wiz n Z n e (L) bwgbxi cwiwpwzi ^c e vs Ki `ybrb m vwbz MÖvnK A_ev e vs Ki `ybrb Kg KZ v A_ev vbxq BDwbqb cwil` Pqvig vb/wmwu K c v ikb ev wgdwbwmc vwjwui IqvW KvDwÝji KZ K cö`ë mb`cî (M) bwgbxi cvm cvu AvKv ii mz vwqz Qwe (N) bwgbx KZ K B ÛgwbwU eû cö`vb (The Account holder can nominate nominee to withdraw the remaining balance of those Accounts after the death of the constituent(s). The following documents as well as application as per nomination must be submitted by the nominee at the time of withdrawal of the remaining balance of the concerned account. In such case, the nominee is not required to produce succession certificate issued by the Court (a) Death certificate of the Account holder. In case of death in the foreign land, Death Certificate signed by the Bangladesh Embassy of the concerned country has to be produced) (b) Certificate in favour of nominee issued by two valued customers or two officials of the Bank or Chairman of Union Parishad/City Corporation or Ward Councilor of Municipality) (c) Attested passport size photograph of nominee) (d) Indemnity Bond to be signed by the nominee). 7. gvwbjûvwis cöwz iva AvBb 2012(2015 Gi ms kvabxmn), mš vm we ivax AvBb 2009 ( Gi ms kvabxmn)i wewagvjv 2013 I `kx-we `kx dvbb vwýqvj B Uwj RÝ BDwbU (wegdavbbd), evsjv `k e vsk KZ K mg q mg q RvixK Z mvkz jvi/bxwzgvjv Abyhvqx MÖvnK e vs Ki Pvwn`v gvzv ek h Kvb Z_ mieivn Ki Z eva _vk eb e vsk h Kvb i juix A_wiwUi Pvwn`v Abyhvqx Z_ cö`vb Ki Z cvi e (Customer is obliged to submit any information as per demand of the Money Laundering Prevention Act-2012 (amended 2015), Anti Terrorism Act-2009(amended ),Rules -2013, Local/Foreign Financial Intelligence Unit (FIU) and Circulars/Rules issued time to time by Bangladesh Bank) The Bank can provide the account information to the Regulary Authority, on demand) mv ji e vsk Kv úvbx AvBb Abyhvqx 10 (`k) eqi I Z`yaŸ gqv` ch ší Kvb wnmve jb `b n j mswkøó wnmvewu A`vexK Z (Unclaimed) wnmv e MY K i D³ wnmv ei w wz evsjv `k e vs K všíi K i `qv nq (If no transaction is happened in an account for 10 years or more than that, the account will be treated as an unclaimed Account as per Bank Company Act Kvb Ae v ZB wnmv ei g~j gvb I gqv` cwiez b Kiv hv e cö qvr b bzzb wnmve Lvjv h Z cv i (The amount and tere will not be changed in any case. New account will opened, if it is requred). we kl xg (MSSA, MHSA, MMSA), MMPDSA, eû I gqv`x wnmve cwipvji Î Kvb PK eb cö`vb Kiv nq (No cheque book will be issued in operating Special Scheme (MSSA, and the balance of that particular account will be transferred to the Bangladesh Bank). 10. MHSA, MMSA), MMPDSA, Bond and Term account). 11. e vsk wnmve msµvší h Kvb wbqgvejx cwiez b, cwiea b, ms kvab ev evwzj Ki Z cvi e Ges wnmveavix Zv g b Pj Z eva _vk eb (The Bank can change, add, amend or llify any rules 12. my gw Í m úbœ I cövßeq Kvb e w³ ev e w³em GKK ev hš_fv e cöwzôv bi g gqv`x I gvwmk gydv wfwëk Rgv wnmve Lyj Z cvi eb evjk/evwjkvi gi Zvi wczv/gvzv/avbbmz AwffveKMb GB wnmve Lyj Z cvi eb (An adult person or a group of people having sound mind individually or jointly can open Term and Monthly Profit Deposit Scheme Account in the 13. G RvZxq wnmv ei Î MÖvnK K Kvb PK eb cö`vb Kiv nq ïaygvî iwm` cö`vb Kiv nq hv n ÍvšÍi hvm b n wnmveavix Avgvb Zi iwm` h_vh_fv e msi Y Ki eb iwm` Kvb Kvi b nvwi q M j, bó n j, cy o M j ev Ab Kvbfv e aÿsm n q M j ev Lvqv M j Zvr wbkfv e e vsk KZ c K Rvwb q wbw` ó cöwµqv m ú bœi gva g Wywcø KU iwm` MÖnY Ki Z n e wnmveavixi MvwdjwZi Kvi b Ab KD Avgvb Zi iwm` fvw½ q wb j e vsk `vqx _vk e No cheque book is provided to the customer against this account, only receipt is issued which is not negotiable.account holder related to account and the account holder is obliged to abide by the instruction made by the Bank in this regard at any time). name of his/their firm. Legal guardian or parents can also open this account in the name of the Minor). Page : 11 of 12

12 must preserve the Receipt of Deposit properly. Duplicate receipt has to be collected immediately following proper formalities by the account holder when it is found that the cheque is lost, damaged, burn or destroyed. 14. gvwmk gydvwfwëk AvgvbZ wnmve Kgc 1,00,000/- (GK j ) UvKv ev Zvi wbzk h Kvb cwigvy 3 (wzb) I 5 (cuvp) eqi gqv ` Lvjv hvq Mudaraba Monthly Profit Deposit Scheme Account for 3(three) and 5(five) years of tere can be opened through depositing minimum Tk.1,00,000 or its any multiple amount. 15. gvwmk gydvwfwëk AvgvbZ wnmv ei Î gvwmk gydv cö`vb ïiæ n e AvgvbZMÖn Yi ZvwiL _ K ceez x gv mi mswkøó Zvwi L Monthly profit will be counted from the date of receiving (wzb) I 5 (cuvp) eqi gqv`x MMPDS wnmve Lvjvi 3 eq ii c~ e UvKv D Ëvjb Kiv n j gy`vivev mâqx wnmv e cö`ë nv i gydv cö`vb Kiv n e 5 (cuvp) eqi gqv`x MMPDS wnmve Lvjvi 3 (wzb) eqi ci wkš 5 (cuvp) eq ii c~ e UvKv D Ëvjb Kiv n j 1g 3 (wzb) eq ii Rb 3 (wzb) eqi gqv`x MMPDS Gi nv i Ges evkx mg qi Rb gy`vivev mâqx wnmv e cö`ë nv i gydv cö`vb Kiv n e G Î gy`vivev gvwmk gydv wfwëk mâqx wnmv e cö`ë nv i gv m gv m h gydv cö`vb Kiv n q Q Zv mgš^q Kiv n e If the fund is withdrawn before 3 years of any MMPDS deposit to the same date of the following month. Account opened for 3 or 5 years term, Profit will be distributed at the rate of Mudaraba Savings Account. If the fund is withdrawn after 3 years but before 5 years of any MMPDS Account opened for 5 years term, profit will be distributed at as usual rate of MMPDS Account for the 1st 3 years only and for the rest of the period, pfofit will be distributed at the rate of Mudaraba Savings Account. In such case, the profit,which is distributed per month at the rate of MMPDS Account, will be adjusted. 17. gqv`x wnmve (MTDR) b~b Zg 1000 UvKv Ges 100 UvKvi wbzk wnmv e D aÿ h Kvb cwigvb UvKv 3, 6, 12, 24 Ges 36 gvm gqv ` Lvjv hvq Z e 1 gvm gqv`x wnmv ei Î b~b Zg 10 j UvKv ev Z`~aŸ cwigvb UvKvq wnmve Lyj Z n e Term Account (MTDR) for 3,4,12,24 and 36 months of tere can be opened through depositing minimumtk.1,000 and any multiple 18. GK gv mi gqv`x wnmv ei Î gvm c~wz i c~ e Ges Ab gqv `i wzb gvm c~y niqvi c~ e UvKv Zz j wb j D³ Rgvi Dci Kvb cökvi jvf `qv nq Ab w` K GK gvm/wzb gvm c~b niqvi c i wkš gqv `vëxb niqvi c~ e UvKv Zz j wb j D³ Rgvi Dci cövmw½k gqv `i nv i jvf wnmve K i D³ jvf _ K AvbycvwZK nv i GK gvm/wzb gv mi jvf ev` w` q bxu jvf wnmveavix K cö`vb Kiv nq No profit will be distributed if the fund is withdrawn before elapsing the month for 1 month term deposit account and before elapsing 3 months for other term deposit accounts. On amount of Tk.100. But minimum Tk lac and above is required for account of 1(one) month of tere. the other hand, net profit for 1/3 months will be distributed proportionately after deducting profit of 1/3 months but before maturing the account. 19. wnmv ei gqv` c~y niqvi ci 30 w` bi g a UvKv D Ëvjb Ki j gvu w wz c~ e D jøwlz gqv `i Rb ^qswµqfv e GKB k Z bevwqz wnmv e MY n e The account will be automatically I 10 eqi gqv ` 25,000 UvKv, 50,000 UvKv, 1,00,000 UvKv, 2,00,000 UvKv, 5,00,000 UvKv I 10,00,000 UvKvi GbAviwe mwfsm eû ïaygvî Awbevmx evsjv `kx MwiK GKK ev hš_ g µq Ki Z cvi eb G eû 3 eq ii g a bm`vqb Ki j gy`vivev mâqx wnmv e cö `q nv i gydv cö`vb Kiv n e Only, Non-Resident Bangladeshi can purchase Mudaraba Non-Resident renewed on the basis of total remaining balance and in the same tere, if the fund is not withdrawn within the next 30 days of maturity. Bangladeshi Savings Bond individually or jointly for 5 & 10 years of tere worth of Tk.25,000, Tk.50,000, Tk.1,00,000, Tk.2,00,000, Tk.5,00,000 and Tk.10,00,000. Profit will be distributed at the rate of Mudaraba Savings Account, in case of encashment of the Bond within 3 years of opening. 21. MSB Gi Î 5 I 8 eqi gqv ` 5000 UvKv, 10,000 UvKv, 50,000 UvKv, 1,00,000 UvKv, 5,00,000 UvKv I 10,00,000 UvKv g~j gv bi gy`vivev mâq eû µqv Kiv hv e GK ermi AwZµvšÍ niqvi c~ e eû bm`vqb Kiv n j D³ e Ûi Dci Kvb gydv `qv n e Ges gqv` c~wz i c~ e wkš GK eqi AwZµvšÍ nevi ci eû fv½v j D³ Rgvi Dci cövmw½k I q U Ri wfwë Z jvf wnmve K i D³ jvf _ K AvbycvwZK nv i wzb gv mi jvf ev` w` q bxu jvf wnmveavix K cö`vb Kiv nq Mudaraba Savings Bond worth of Tk.5,000, Tk.10,000, Tk.50,000, Tk.1,00,000, Tk.5,00,000 and Tk.10,00,000 can be purchased for 5 & 8 years of tere. No profit will be distributed if the Bond is encashed within a year and in case of withdrawal, before maturity or after one year of purchasing the Bond, net profit will be distributable at the rate of regular weightage after deducting the profit of 3 months. Avgiv Dfqc D³ wbqgvejx Ges GZ`msµvšÍ cöpwjz mkj AvBb g b Pj Z ivrx n q wb œ ^v i K i AÎ Pzw³gv m úv`b Kijvg (We, the undersigned, are agreed to accomplish this contract standing for all aforementioned conditions & prevailing laws regarding the matter) cö`vbk Z `wjjv`xi ZvwjKv (List of documents provided) cövwß ^xkvi cî (Acknowledgement Receipt) MÖvn Ki g (Name of the Customer)...dig wmwiqvj bs (Form SL No.)... Av e` bi ZvwiL (Date of Application)... cöv_wgk Rgv (Initial Deposit)... cöv_wgk Rgvi aib (Nature of Initial Deposit)... e vsk Kg KZ vi g (Name of Bank s Official)... kvlvi g (Branch name)...