gỳ vivev mâqx wnmve Lvjvi Av e`b dig ( Mudaraba Savings Account Opening Application Form) (A-e w³k wnmve) (Non-Individual Account) (Islami Bank Bangladesh Limited) Based on Islamic Shariah. gỳ vivev mâqx wnmve (General) Mudaraba Savings Account(General) gỳ vivev we kl bvwuk wnmve (MSNA) Mudaraba Special Notice Account (MSNA) gỳ vivev dvg vi&m mâqx wnmve (MFSA) Mudaraba Farmers Savings Account (MFSA) gỳ vivev e `wkk gỳ ªv Rgv wnmve (MFCDA) Mudaraba Foreign Currency Deposit Account (MFCDA) wnmve wk ivbvg : Title of the Account: wnmve bs: Account No: BDwbK Kv gvi AvBwW KvW : (Unique Customer ID Code):
wnmve Lvjvi cö qvrbxq KvMRcÎ (Documents required to open an Account ): 1. wnmve Lvjvi Av e`b cî hv cö Z K Av e`bkvix K c~iy I ^v i Ki Z n e (AOF to be filled in and signed by the applicant) 2. cwipq cö`vbkvix KZ K mz vwqz cö Z K Av e`bkvixi m cöwz Zvjv 2 (`yb) Kwc cvm cvu mvb Ri Qwe 2 (two) copies of passport size recent photograph for each applicant and to be attested by the introducer. 3. RvZxq cwipq cî/ˆea cvm cvu /WªvBwfs jvb mý/a_ev Ab vb Qwe m ^wjz cwipq c Îi Abywjwc Copy of National ID Card/Valid Passport/Driving License/ or any other ID Card containing photograph. 4. Bmjvgx e vs Ki h Kvb mâqx A_ev PjwZ wnmveavix KZ K cwiwpwz cö`vb [cwipq`vbkvixi wnmvewu wbqwgz n e Ges Kgc 6 gvm a i wnmve cwipvjbv Ki Z n e] Introduction by any Savings or Current account holder of IBBL who has been maintaining regular account for at least 6 months]. 5. GKK gvwjkvaxb cöwzôv bi Î bwgbx ev bwgbxm Yi we vwiz weeiy I Av e`bkvix KZ K mz vwqz cö Z Ki 1 (GK) Kwc cvm cvu mvb Ri Qwe Nominees details information & 1 copy of Nominee s photograph (to be attested by the applicant) in case of Propritorship Account. 6. wnmve wvkvbvi ^c mv cöwzk BDwUwjwU wej (M vm, we`ÿ r, Iqvmv, Uwj dvb) Gi Abywjwc(hw` _v K ) Copy of recent utility bill(gas, Electricity, WASA, Telephone) as proof of mailing address(if any). 7. we `kx bvmwi Ki Î cvm cvu, ˆea wfmvi I IqvK cviwgu Gi Abywjwc Photocopy of passport, valid VISA & Work Permit for foreign citizen. 8. nvjbvmv` wu.avb.gb mvwu wd K Ui Abywjwc (hw` _v K) Photocopy of uptodate TIN certificate (if any) 9. Av e`bkvix c` vbkxb wkw Z gwnjv n j e vs Ki wbku cwiwpz Ggb MÖvnK KZ K cwiwpwz cö`vb Ki Z n e wbi i gwnjv Av e`bkvixi Î Pnviv D y³ Qwe c&à vb Ki Z n e Ges cö Z K jb ` bi mgq Pnviv D y³ ivl Z n e A Pordanshin woman, if educated, has to be introduced by the client known to the Bank and if illiterate, has to submit face exposed photograph and keep her face open at the time of each transaction. `ªóe (Notes): 1. hvpvb Gi ^v _ cö qvr b Dc ivwjwlz KvMRc Îi g~j Kwc Dc vcb Ki Z n e Original copy of above papers to be presented for verification. 2. NlvgvRv/KvUvKvwUi Î Av e`bkvixi c~y ^v i w` q cöz vwqz Ki Z n e (In case of overwriting/cutting,it will be authenticated by the applicant s full signature) 3. mkj KvMRcÎ Bs irx ev evsjv fvlvq n Z n e Ab Kvb fvlvi Kvb bw vk j Zv Aby gvw`z Abyev`Kvix KZ K Bs irx ev evsjv fvlvq Abyev` K i Rgv w` Z n e (All the above documents submitted must be in English or Bangla.If the documents are in other language, it has to be translated into English or Bangla). cöwzôvb f ` AwZwi³ KvMRcÎ (Additional documents as per Institution) : GKK gvwjkvaxb cöwzôvb n j (For proprietorship Firm) cöwzôvb Uªv n j(for Trusty Firm) 1. nvjbvmv` UªW jvb mý(uptodate Trade License) 1. Uªv `wjj (Trust Deed). 2. wnmve cwipvjbvi 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 cwipvjbvkvixi ^v ii cöz qb cî (Signature of authorized operator certified by Firm) 2. Av e`b c Î mkj Uªvw i ^v i _vk Z n e (The account opening form must be signed by all the trustees) Askx`vix cöwzôvb n j (For Partnership Firm) 1. Askx`vix `wjj (Partnership Deed) 2. Askx`viMY GKK ev hš_fv e (Ab vb Askx`vi KZ K h_vh_fv e Aby gvw`z) wnmve cwipvjbv Ki Z cvi e(partners can operate the account individually or jointly authorized by other partners) cöwzôvb wjwg UW Kv úvbx n j (For Limited Company) 1. g gv iûvg GÛ AvwU Kjm Ae G mvwm qkb Gi mz vwqz Abywjwc (Attested 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 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 cwipvjbv cl ` KZ K M nxz wm v š i 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 cwipvjbvi Rb G R Ui mv _ Pzw³i Abywjwc(Photocopy of Agreement with Agent with regard to opening & operating the account by the Agent) vbxq KZ c, wmwu K c v ikb, Rjv cwil`, cšimfv BZ vw` (Local authority, City Corporation, Zila Parishad Pourashava etc.) 1. h AvBb ev weav bi gva g Av e`bkvix cöwzôvb msmwvz n q Q Zvi Abywjwc (Photocopy of Law or Regulation on which applicnt Firm has been formed) cöwzôvb K ve I mvmvbwu n j 1. Constitution/bye-laws 2. Awdm weqvivi `i ZvwjKv (wvkvbvmn) ( List of Officer bearers (with address) 3. Aby gvw`z e w³/e w³my KZ K wnmvewu Lvjv I cwipvwjz n e GB g g h_vh_ KZ c i M nxz wm v š i Abywjwc(Photocopy of Resolution of proper authorioty authorizing operator can open and operate the account)
e e vck, The Manager Bmjvgx e vsk evsjv `k wjwg UW Islami Bank Bangladesh Limited...kvLv (Branch). Rbve, Sir Avm&mvjvgy AvjvBKzg Assalamu Alaikum. Islami Bank Bangladesh Limited Based on Islamic Shariah ZvwiL: Date w`b(day) gvm (Month) eqi (Year) cvm cvu mvb Ri mz vwqz Qwe Recent passport size photograph [Duly Attested by the introducer]. Avwg/Avgiv Avcbvi kvlvq GKwU wnmve Lvjvi Rb Av e`b KiwQ Avgvi/Avgv `i, cöwzôv bi we vwiz Z_ cö qvrbxq bw_cî mn cö`vb Kijvg I/We, hereby apply for opening an account at your branch. In this regard, I/We submit my /our, firm s detailed information with necessary documents at your end. Av e`bk Z wnmve msµvš Z_ : (Account s information, applied for) : 1. wnmve wk ivbvg (evsjvq):... Title of Account (In Bangla) Bs irx Z (Block Letter):... 2.wnmv ei cök wz (wuk w`b) : gỳ vivev mâqx wnmve(msa) gỳ vivev we kl bvwuk wnmve (MSNA) gỳ vivev dvg vi&m mâqx wnmve (MFSA) gỳ vivev e `wkk gỳ ªv Rgv wnmve (MFCDA) Nature of account (please tick): Mudaraba Savings Account (General) Mudaraba Special Notice Account (MSNA) Mudaraba Farmers Savings Account (MFSA) Mudaraba Foreign Currency Deposit Account (MFCDA) 3. gỳ ªv (wuk w`b): UvKv Wjvi BD iv cvdû Ab vb... Currency (please tick): Taka Dollar Euro Pound Others... 4. K) wnmve cwipvjbv msµvš NvlYv (wuk w`b): GKKfv e hš_fv e h Kvb GKRb RxweZ Rb Ab vb Declaration regarding Account operation : (please tick): Singly Jointly Any one Either or Survivor Others L) Av e`bkvix cöwzôv bi cök wz: GKK gvwjkvbv hš_ D ` vm Askx`vix cövb fu/cvewjk wj: mikvix GbwRI K ve/ mvmvbwu Nature of Applicant s Firm (please tick): Proprietorship Joint Venture Partnership Privet/Public Ltd. Gov t NGO Club/Society GbwcI Uªv Ab vb (D jl Ki b)... NPO Trust Others(please mention) 5. Ab Kvb e vs K cwipvwjz wnmve Av Q wk (wuk w`b)?: nü v bv DËi nü v n j: Account maintained in other Bank (if any) (please tick): Yes No If yes : e vs Ki bvg Bank s Name kvlvi bvg Branch s Name wnmve bs Account No K)... K)... K)... Rgv wnmve Deposit A/C L)... L)... L)... Rgv wnmve Deposit A/C M)... M)... M)... Rgv wnmve Deposit A/C cöwzôvb msµvš Z_ (Information regarding Firm): cwipvjbvk Z wnmv ei cök wz (wuk w`b) Nature of operating account(please tick) wewb qvm/fy wnmve Investment/Loan A/C wewb qvm/fy wnmve Investment/Loan A/C wewb qvm/fy wnmve Investment/Loan A/C Ab vb Others Ab vb Others Ab vb Others 6. cöwzôv bi wvkvbv (Address of Firm): (K) iwr vw wvkvbv(registered Address):... (L) e emv j/awd mi wvkvbv(residence/office Address):... (M) KviLvbv/wkí cöwzôv bi wvkvbv (Address of Factory/Industrial Firm):... 7. UªW jvb mý b ^i (Trade License No.):...Bmy ZvwiL (Date of issue):... Bmy Kvix KZ c (Issuing Authority):... 8. wbeüb KZ c I `k (Registration Authority and Country):... 9. wbeüb b ^i (Registration No):......ZvwiL(Date):... 10. U v AvBwW b ^i (TIN):. 11. f vu iwr ªkb b ^i (hw` _v K) (VAT ID,if any):... 12. e emv qi cök wz (we vwiz) Nature of business(detailed):...
cwipq `vbkvixi Z_ (Information of the Introducer) : 13. (K) bvg (evsjvq):... Bs irx Z:... Name (In Bangla) (L) wnmve bs:... RvZxq cwipq cî bs:... Account No National ID No (M) kvlvi bvg:... Uwj dvb bs:... Branch Name Telephone No (N) ^v i (ZvwiLmn):... MÖvn Ki mv _ m úk :... Signature (with Date) Relation with the customer cwipq`vbkvixi wnmve Lvjvi ZvwiL... Introducer s A/C opening date e vs Ki e env ii Rb (For Bank s use only) cwipq`vbkvixi bv g Kvb Sanction ev Adverse Media Report Av Q wk? nü v bv Is there any Sanction or Adverse Media Report against the introducer? (please tick) Yes No. cwipq`vbkvix KZ K cwipq cö`v bi msl v:... Number of introduction given by the introducer Avwg wbæ ^v ikvix Dc iv³ cwipq`vbkvixi Z_ mg~n h_vh_fv e hvpvb K iwq h_vh_ Screening cöwµqvi gva g cövß Z_ vw` mwbœ ek K iwq GesGB g g cöz qb KiwQ h, wnmve Lvjvi Rb cwipq`vbkvix KZ K Av e`bkvixi cö`ë cwipq MÖnY Kiv h Z cv i I, the undersigned, have verified the above mentioned information of the introducer properly & inserted the data by proper screening procedure & certified that introduction of introducer for opening the account may be accepted. cöz qbkvixi(verifying) Employee ID No cöz qbkvix Kg KZ v (bvghy³ mxjmn ^v i I ZvwiL) Verifying Officer (Seal with name,signature & date) *Av e`bkvix e vs Ki ez gvb wbqwgz MÖvnK n j, wnmve Lvjvi Kg KZ vi mš wó mv c cwiwpwz QvovB wnmve Lvjv h Z cv i * If the applicant is existing customer, the account may be opened without introduction upon satisfaction of the A/C opening officer. bwgbx msµvš Z_ (GKK gvwjkvbv cöwzôv bi Î cö hvr ) Information regarding Nominee(Only for proprietorship Firm): 14. Avwg/Avgiv GB wnmv ei A_ Avgvi/Avgv `i g Zz i ci wb æv³fv e wb æv³ e w³ K cö`v bi Rb g bvbxz Kijvg Avwg/Avgiv D jwlz g bvbqb h Kvb mgq evwzj ev cwiez bi AwaKvi msi Y Kwi Avwg/Avgiv GB g g Av iv m wz Ávcb KiwQ h, Avgvi/Avgv `i wb ` kbv gvzv ek jb ` b e vsk Kvbfv e `vqe n e bv bwgbx wbr `vwq Z Mw QZ UvKv DËivwaKvi weavb Abymv i DËivwaKvix `i g a e UY Ki eb I/We nominate the following person to receive the balance held in my/our account after my/our death. I/We retain the right to cancel or change this nomination at any time. I /We hereby accord my /our consent that the Bank shall not be liable in any manner whatsoever to make payment as per my/our instruction. The nominee in his own responsibility will distribute the remaining balance among successors as per the law of inheritance. (K) bwgbxi bvg:... (L) wczvi bvg:... Nominee s Name Father s Name (M) gvzvi bvg:... (N) ^vgx/ xi bvg:... Mother s Name Name of the Spouse (O) ckv:... (P) wnmveavixi mv _ m úk :... bwgbxi Qwe (MÖvnK Occupation Relation with the account holder KZ K mz vwqz) (Q) Rb ZvwiL/eqm:... (R) RvZxq cwipqcî b ^i/cvm cvu bs :... Photograph of Date of Birth/Age National ID No/Passport No (S) bwgbxi vqx wvkvbv:... Permanent address of Nominee (T) Rb wbeüb mb` bs:... (U) bwgbx GKvwaK n j (kzkiv nv i):... Birth registration certificate No If nominee is more than one (Percentage)... Av e`bkvix/wnmveavixi ^v i Signature of Applicant/A/C holder * Kvb Awbevmx K bwgbx Kiv n j H Awbevmx mswk ównmv ei A_ cövc n j cövß A_ we ` k cöi Yi Î we` gvb ˆe `wkk gỳ ªv wbqš Y AvB bi wewa weavb cö hvr * If the nominee is nonresident 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 * If the nominee is more than one, photocopy of this part of the AOF to be attached with the original form. cöv_wgk Rgv I A _ i Drm (Initial Deposit & Source of Fund): Nominee(attested by the customer) 15. cöv_wgk Rgvi cwigvyt... Rgvi aiy: bm` PK UªvÝdvi Amount of initial deposit Nature of deposit Cash Cheque Transfer P K Rgv n j, PK bs(if deposit by cheque Cheque No).:... 16. A _ i Drmt... Source of Fund
AvaywbK e vswks myweav(modern Banking Facility): 17. AvaywbK e vswks mev: Avwg/Avgiv wb æv³ AvaywbK e vswks mev e vs Ki wbqgvbyhvqx MÖnY Ki Z B QyK: Modern Banking Service: I/We like to avail the following modern Banking services as per Bank s norms: Online Service ATM Service i-banking SMS Service Others Nvlbv I ^v i(declaration & signature):t 18. Avwg/Avgiv GB g g wbðqzv cö`vb KiwQ h, cö`ë Z_ vw` mz Avcbvi Pvwn`v gvzv ek cö`ë Z _ i AwZwi³ mswk ó h Kvb cö qvrbxq Z_ vw`/`wjjvw` mieivn Kie Ges AviI wbðqzv cö`vb KiwQ h, D³ wnmv ei gva g Kvb ai bi A ^vfvwek I m `nrbk jb `b hv gvwbjûvwis cöwz iva AvBb 2012(2015 Gi ms kvabxmn), mš vm we ivax AvBb 2009 (2012-2013 Gi ms kvabxmn)i wewagvjv 2013 Gi ` wó Z gvwb jûvwis Aciva wnmv e cözxqgvb n Z cv i, Zv _ K weiz _vke I/We confirm that the information given are correct. In addition of above information, I/we will provide other concerned information/documents as per your requirement and further assure that I/we will abstain from any abnormal and suspicious transactions which may be considered as a money laundering crime as per Money Laundering Prevention Act-2012(amended 2015), Anti-Terrorism Act-2009 (amended 2012-2013)& Rules 2013.......... Av e`bkvixi bvg, ^v i, c`ex I ZvwiL Av e`bkvixi bvg, ^v i, c`ex I ZvwiL Av e`bkvixi bvg, ^v i, c`ex I ZvwiL Name of the applicant,signature & Date Name of the applicant,signature & Date Name of the applicant,signature & Date e vs Ki e env ii Rb (For Bank use only) gš e : (Remarks) evsjv `k e vsk m±i KvW (BB Sector Code) SBS-2 CIB Type of Deposit wnmve Lvjvi Kg KZ v (bvghy³ mxjmn ^v i I ZvwiL) A/C opening officer ( Seal with name, Signature & Date) Aby gv`bkvix Kg KZ v/kvlv cöavb (bvghy³ mxjmn ^v i I ZvwiL) Authorized officer/head of Branch (Seal with name, Signature & Date)
wnmve mswk óe w³ msµvš Z_ vejx dig Customer Information Form (CIF) (wnmve Lvjvi Av e`bkvix GKvwaK e w³ n j cö Z K K di gi GB Ask (d UvKwc K i) Avjv`vfv e c~iyc~e K di gi g~j As ki mv _ mshy³ Ki Z n e ) (If the applicant are more than one, photocopy of this part of AOF to be filled in separately by each applicant and to be attached with the original AOF) 1. MÖvnK/ cwipvj Ki bvg (evsjvq)t... Name of Custome/Operator(In Bangla) Bs irx Z (Block Letter) t... 2. wnmv ei mv _ m úk (wuk w`b) t cö_g Av e`bkvix wøzxq Av e`bkvix Z Zxq Av e`bkvix bvevjk AwffveK G vub x nvìvi wmm buwir Relation with A/C (Please Tick) 1 st applicant 2 nd applicant 3 rd applicant Minor Guardian Attorney holder Signatories cök Z myweav fvmx g v ÛU nvìvi Ab vb Beneficial owner Mandate holder Others 3. wczvi bvg (evsjvq) t... Father s Name(In Bangla) Bs irx Z (Block Letter) t... 4. gvzvi bvg (evsjvq) t... Mother s Name(In Bangla) Bs irx Z (Block Letter) t... 5. ^vgx/ xi bvg (evsjvq) t... Name of the Spouse(In Bangla) Bs irx Z (Block Letter) t... 6. RvZxqZv t... Nationality 7. Rb ZvwiL t... wuk w`b cyi l gwnjv Z Zxq wj½ Date of birth Please Tick Male Female 3 rd Gender 8. Rb vb t... RvZxq cwipqcî bs t... Place of birth National ID No. 9. ckv (we vwiz D jlc~e K `wjjvw` cö`vb Ki Z n e) t... Occupation( Please mention in detailed and produce the related documents ) 10. cvm cvu b ^i (hw` _v K) Passport No.(if any)t Bmÿ ZvwiL Issuing date t 11. U v AvBwW b ^i (TIN No.) t... WªvBwfs jvb mý b ^i (Driving license No)... 12. ez gvb wvkvbv (Avevm j) t... Present address (Residence) Uwj dvb t evmv t... Awdm t... gvevbj t... Telephoe : (Residence) Office Mobile B- gbj(e-mail) t... d v (Fax)t... 13. vqx wvkvbv(permanent address)t... 14. ckvmz wvkvbv (Business address )t... 15. µwwu KvW msµvš Z_ t Bmy Kvix cöwzôvb I KvW b ^i t (1) vbxq... (2) Avš R vwzk... Information regarding Credit Card: Issuing Organization & Card No : Local International 16. iwm WÝ vuvm (wuk w`b) t iwm W U bb- iwm W U Residence status(please tick) Resident Non-resident 17. QvÎ n j wb æv³ Z_ vw` c~iy Ki eb (The following information to be filled up, if the customer is student): Awffve Ki bvg (evsjvq):... Bs irx Z (Block Letter): Guardian s Name (In Bangla) wk v cöwzôv bi bvg I wvkvbv:... Name & address of Institution kªbx(class):... kvlv(section):..., µwgk bs(roll No.):... wefvm(department):... wkd&u(shift):... AvBwW (ID No):... 18. bb- iwm W U evsjv `kx n j wb œv³ Z_ vw` c~iy Ki eb (The following information to be filled up, 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... 19. 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): 20. MÖvnK FATCA cwicvj bi Rb hvm wk bv? nü v bv DËi nü v n j, FATCA cwicvjb wbwðz Kiv n q Q wk bv? nü v bv Whether the customer is eligible for complying with FATCA? Yes No. If yes, has the FATCA compliance been ensured? Yes No Seal & Signature(Bangladesh Embassy/Account Holder/IBBL Representative) Seal & Signature of A/C Opener Av e`bkvixi ^v i,zvwilmn (Applicant s Signature with Date ) * ïaygvî Rb wbeüb mb`cî cö`vbc~e K wnmve Lvjvi Î Rb wbeüb mb`c Îi AwZwi³ MÖvnK/wnmve cwipvjbvkvixi 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 cwipvjbvkvixi 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.
bgybv ^v i KvW (Specimen Signature Card) Specimen Signature Card of A/C No: Title of Account:... ^v ikvixi c~y bvg (Full Name of the Signatory) bgybv ^v i (Specimen Signature) 1. 2. 3. we kl wb ` kbv (hw` _v K)Special Instruction (if any) cvm cvu mvb Ri mz vwqz Qwe Recent passport size photograph [Duly Attested by the introducer]. Signature admitted by Authorized Officer / Manager Date:... wnmve wk ivbvg(title of A/C):... wnmve bs: jb ` bi AbywgZ gvîv (Transaction Profile) ZvwiL: Date w`b(day) gvm (Month) eqi (Year) A/C No. Rgvi cök wz (Nature of deposit) bm` Rgv (AbjvBb mn) Cash deposit(including online) UªvÝdvi ev Bb ªy g U Gi gva g Transfer or by Instrument Avš :kvlv Rgv (Inter Branch deposit) BACH Gi gva g Rgv (Deposit through BACH) BEFTN Gi gva g Rgv (Deposit through BEFTN) B Uvi bu e vswks Gi gva g Rgv(Deposit through i-banking) Gg K vk GKvD U _ K Rgv (Deposit from m-cash Account) e `wkk iwg UÝ Rgv (Deposit as foreign remittance) ißvbx n Z Avq (Income from Export) Z Zxq c KZ K Rgv (3 rd party deposit) Ab vb (wbw` ó Ki b) Others (Please specify) gvu m ve Rgv (gvwmk)total probable deposit (monthly) D Ëvj bi cök wz (Nature of withdrawal) m ve Rgv (Probable Deposit) gvwmk Rgvi msl v GKK Rgvi m e v P cwigvy (No. of monthly deposit) (Maximum amount of a single deposit) m ve D Ëvjb (Probable Withdrawal) gvwmk D Ëvj bi msl v GKK D Ëvj bi m e v P cwigvy (No. of monthly withdrawal) (Maximum amount of a single withdrawal) gvu gvwmk Rgvi cwigvy (Total monthly deposit) gvu gvwmk D Ëvj bi cwigvy (Total monthly withdrawal) bm` D Ëvjb (AbjvBb I GwUGg mn) Cash withdrawal(including online & ATM) UªvÝdvi ev Bb ªy g U Gi gva g Transfer or by Instrument Avš :kvlv D Ëvj bi cwigvy (Amount of Inter Branch withdrawal) BACH Gi gva g D Ëvjb (Withdrawal through BACH) BEFTN Gi gva g D Ëvjb (Withdrawal through BEFTN) B Uvi bu e vswks Gi gva g D Ëvjb (Withdrawal through ibanking) Gg K vk GKvD U _ K D Ëvjb(Withdrawal from m-cash Account) e `wkk iwg UÝ D Ëvjb(Foreign remittance withdrawal) Avg`vbx wej (Import Bill) Z Zxq c KZ K D Ëvjb (3 rd party withdrawal) Ab vb (wbw` ó Ki b) Others (Please specify) gvu m ve D Ëvjb (gvwmk)total probable withdrawal (monthly) Avwg/Avgiv wb œ ^v ikvix (MY) G g g wbðqzv cö`vb KiwQ h, m ve jb ` bi AbywgZ gvîv Avgvi/Avgv `i ^vfvwek/cök Z jb `b Avwg/Avgiv Av iv wbðqzv cö`vb KiwQ h, cö qvrb ev a Avwg/Avgiv m ve jb ` bi AbywgZ gvîv ms kvab/nvjbvmv` Kie I/We, the undersigned, confirm that the above transaction profile is my/our normal/real transactions. I/We, further assure that I/we will update the same from time to time, if required. m ve jb ` bi AbywgZ gvîv MÖnYKvix e vsk Kg KZ vi bvg I c`exmn ^v i t MÖvn Ki bvg(customer s Name ): (Probable transaction profile accepting Bank official s signature with name & designation) ^v i (Signature): ZvwiL (Date):
MÖvnK cwiwpwz m úwk Z dig (KYC Profile Form) ZvwiL (Date):........... 1. wnmv ei wk ivbvg (evsjvq):... Title of Account (In Bangla) Bs irx Z (Block Letter): 2. wnmv ei cök wz:... Nature of Account 3. wnmve b ^i:... Account No. 4. BDwbK MÖvnK AvBwW KvW:... Unique customer ID Code 5. MÖvn Ki ckv (we vwiz):... Occupation of Customer (Detailed) 6. MÖvn Ki gvwmk m ve Avq:... Probable monthly income of customer 7. A _ i Drm/Drmmg~n (we vwiz):... Source/Sources of Ffund (Detailed) 8. A _ i Drm wbwðz Kivi Î msm nxz `wjjvw`:... Documents collected to ascertain source of fund 9. wnmveavixi wvkvbv (mg~n) wkfv e hvpvb Kiv n q Q (we vwiz)?... How the addresses of the customers have been verified (Detailed)? 10. wnmv ei cök Z myweav fvmx (Beneficial Owner)Av Q wk? nü v bv DËi nü v n j: cök Z myweav fvmx (Beneficial Owner) Gi Avjv`v KYC mshy³ K i Qb wk? nü v bv Is there any beneficial owner of the account? Yes No. If yes : Is separate KYC of beneficial owner attached? Yes No 11. `wjjvw`i Abywjwc: cvm cvu RvZxq cwipq cî Rb wbeüb mb`cî AvqKi mb`cî WªvBwfs jvb mý Ab vb (D jl Ki b):.. Photocopy of documents: Passport National ID Birth Registration Certificate TIN Certificate Driving License Others (Please mention) 12. Awbevmx (Non-resident) wnmve Lvjvi Î: Applicable for opening of Non-resident Account: K) D Ïk (Purpose):... L) wfmvi cök wz (Nature of Visa):... M) wnmve Lvjvi Rb h_vh_ KZ c i Aby gv`b i q Q wk bv(wuk w`b) t nü v bv Whether permission has taken from the competent authority? (please tick) Yes No 13. cwjwukvwj G cvm&w cvimb&m (PEPs) /cªfvekvjx e w³/avš R vwzk ms vi cöavb Ges Zv `i Close Associates Gi Î (wegdavbbd mvk yjvi bs 10 ZvwiL 28 ww m ^i 2014 G ewb Z msávbymv i): In respect of PEPs/Influential Person/Head of International Organization & their Close Associate (As per definition of BFIU Circular No.10 dated 28 December 2014) K) wmwbqi g v br g U n Z Aby gv`b bqv n q Q wk bv? (wuk w`b) t nü v bv Whether permission has been taken from the senior management?(please tick) Yes No L) MÖvn Ki gy LvgywL mv vrkvi bqv n q Q wk bv? (wuk w`b) t nü v bv Whether face to face interview has been taken from the customer (please tick) Yes No 11. 14. K) mswk óavbb, wewagvjv I mvk yjv ii Av jv K MÖvn Ki bvg RvwZms Ni wbivcëv cwil `i wewfbœ iry jk bi AvIZvq mš vm, mš vmx Kvh I e vck aÿsmvz K A we vi A_ vq b RwoZ m ` n ZvwjKvf~³ Kvb e w³ Ges evsjv `k mikvi KZ K ZvwjKvf~³ Kvb e w³i bv gi ZvwjKvi mv _ hvqvb evqvb c~e K Kvb wgj cviqv wm q Q wk bv? (wuk w`b) t nü v bv 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) : Yes No. L) MÖvn Ki bv g Kvb Sanction ev Adverse Media Report Av Q wk? nü v bv Is there any Sanction or Adverse Media Report against the customer? (please tick) Yes No. 15. DËi nü v n j M nxz e e vi weeiy:... If yes, please mention in detailed the steps taken:
16.MÖvnK wk K ib/wk ai bi e emv q wb qvwrz i q Q? ( What customer does/in what type of business he/she is involved) µwgk (SL) cök wz (Nature) SuywKi gvîv (Degree of Risk) 1 Ry qjvix/ ^ Y i e emv/gyj evb avzzi e emv (Business of Jewelry/Gold/ Precious Metal) D P (High) 5(5) 2 gvwb PÄvi/Kzwiqvi mvwf m/ gvevbj e vswks G R U/ G R U e vswks (Money Changer/Courier Service/Mobile Banking Agent/Agent Banking) vi (Score) D P (High) 5(5) 3 wi qj G U W fjcvi/g R U (Real Estate Developer/Agent) D P (High) 5(5) 4 wbg vy cökí wvkv`vi (Contactor of Construction Firm) D P (High) 5(5) 5 Ad mvi K c v ikb (Offshore Corporation) D P (High) 5(5) 6 wpîkjv/gw U Ki wwjvi (Painting/Antic dealer) D P (High) 5(5) 7 i viuv/evi/bvbu K ve/avevwmk nv Uj/cvj vi e vemv (Restaurant/Bar/Night Club/Residential Hotel/Parlour Business) D P (High) 5(5) 8 Avg`vbx/ißvbx I Avg`vbx/ißvbx G R U (Import/Export & Import /Export Agent) D P (High) 5(5) 9 Mv g Um e emv (Garments business) D P (High) 5(5) 10 kqvi/ K wwjvi, eªvkvi, cvu dvwji g v brvi, gv P U e vskvi (Share/Stock Dealer,Broker, Portfolio Manager,Marchant Banker) D P (High) 5(5) 11 kqvi/ K e emvq wewb qvmkvix (Investor of Share/Stock Business) D P (High) 5(5) 12 GbwRI/GbwcI (NGO/NPO) D P (High) 5(5) 13 Rbkw³ ißvbx e emv (Manpower Export Business) D P (High) 5(5) 14 Pjw PÎ cö hvrbv/cwi ekbv ms v (Film Producing /Presenting Agency) D P (High) 5(5) 15 A i e emv (Business of Weapons) D P (High) 5(5) 16 gvevbj dvb Acv iui (Mobile Phone Operator) D P (High) 5(5) 17 ivr bwzk `j (Political Party) D P (High) 5(5) 18 K ve (Club) D P (High) 5(5) 19 mvmvbwu (Society) D P (High) 5(5) 20 Uªv (Trust) D P (High) 5(5) 21 P vwiwu (Charity) D P (High) 5(5) 22 Uªv fj G R U (Travel Agent) D P (High) 5(5) 23 cwienb e vemvqx (Transport Businessman) D P (High) 5(5) 24 A Uv wwjvi (wikwûkb Mvox) Auto Dealer (Reconditioned Vehicle) D P (High) 5(5) 25 Kw úduvi/ gvevbj dv bi wwjvi (Computer/Mobile Phone Dealer) D P (High) 5(5) 26 dªbu/wkwcs/kv M v G R U (Freight/Shipping/Cargo Agent) D P (High) 5(5) 27 wjwrs dvbbvý Kv úvbx (Leasing Finance Company) ga g(medium) 3(3) 28 BÝÿ iý/ eªvkv ir G RÝx (Insurance/Brokerage Agency) ga g(medium) 3(3) 29 ag xq cöwzôvb/ms v (Religious Institution/Organization) ga g(medium) 3(3) 30 we bv`bkvix cöwzôvb/cvk (Entertainment Organization/Park) ga g(medium) 3(3) 31 gvui cvu m Gi e emv (Motor parts Business) ga g(medium) 3(3) 32 ZvgvK I wmmv i Ui e emv (Tobacco & Cigarette business) ga g(medium) 3(3) 33 Drcv`bKvix cöwzôvb (Manufacturing Organization) ga g(medium) 3(3) 34 PvKzix ( ezb wnmve e ZxZ Ab wnmve) Service (Account, other than Salary) ga g(medium) 3(3) 35 QvÎ (Student) ga g(medium) 3(3) 36 M wnbx (Housewife) ga g(medium) 3(3) 37 A Uv cövbgvix (bzzb Mvox) Auto Primary (New Car) wb œ(low) 2(2) 38 `vkv bi gvwjk (LyPiv) Shop owner (retail) wb œ(low) 2(2) 39 e emv-g R U (Business-Agent) wb œ(low) 2(2) 40 z`ª e emvqx (evwl K Uvb Ifvi 50 j UvKvi bx P) Small businessman (Yearly turn over less than 50 lac Taka) wb œ(low) 2(2) 41 evox wbg vy mvgmöxi e emv (Business of House Building Materials) wb œ(low) 2(2) 42 md&uiq vi e emv (Software Business) wb œ(low) 2(2) 43 PvKzix (ïaygvî ezb wnmve) Service (only Salary Account ) wb œ(low) 1(1) 44 PvKzix n Z AemiMÖnYKvix (Retired person) wb œ(low) 1(1) 45 K wlrxex (Farmer) wb œ(low) 1(1) 46 Ab vb...(aiy Abymv i e vsk wi vi cö`vb Ki e) Others ( Scoring as per nature) `ªóe : KYC m úv`bkvix Kg KZ v Mªvn Ki e emv qi ev ckvi cªk wz, e emv qi GjvKv, e emv qi AvKvi, wnmv ei cök Z myweav fvmx cöf wz welqmg~n we epbvq wb q MÖvnK f ` 27-46 µwg K D jwlz ckvi Î ewy Z vi A c v D PZi vi cö`vb Ki Z cvi e Av e`bkvix QvÎ n j, Dc iv jwlz QK Abyhvqx Zvi Awffve Ki SuywK wbiƒcb Ki Z n e NB : In case of scoring as mentioned in the serial Nos. 27-46, the KYC executing official may mark the score high, considering customer s nature of business or profession, area of business, size of business and beneficial owner of the account. If the applicant is a student, the guardian s risk scoring to be made following the table..
17.MÖvn Ki wbu m ú `i cwigvy: (Amount of Net Worth of Customer) cwigvy (UvKvq) Amount (in Taka) wi j fj(risk Level)) wi iwus(risk Rating) 1-50 j (1-50 lac) wb œ(low) 0 (0) >50 j - 2 KvwU (>50 lac-2 crore) ga g(medium) 1(1) > 2 KvwU (>2 crore) D P(High) 3(3) 18.wnmve Lvjvi aiy (Nature of account opening ) aiy(nature) wi j fj(risk Level) wi iwus (Risk Rating) wi jkbkxc g v brvi/kvlv KZ K (By Relationship Manager/Branch) wb œ(low) 0 (0) WvB i± mjm/g R U KZ K (By Director Sales/Agent) ga g(medium) 2(2) B Uvi bu Gi gva g (Via Internet) D P(High) 3(3) AhvwPZ / ^cö Yvw`Zfv e (Unexpected/Intentionally) D P(High) 3(3) 19.MÖvn Ki AbywgZ gvwmk jb ` bi cwigvy (Amount of predicted monthly transaction of customer): jb ` bi weeiy (Particulars of jb ` bi cwigvy transaction) (Amount of Transaction) jb ` bi cwigvy (j UvKvq) Amount of Transaction(Fig. in lac) jb ` bi msl v (Number of Transaction) bm` jb ` bi cwigvy (j UvKvq) Amount of Cash Transaction (Fig. in lac) bm` jb ` bi msl v (Number of Cash Transaction) SuywKi gvîv (Degree of Risk) wi iwus (Risk Rating) 0-5(0-5) wb œ(low) 0 (0) >5-20(>5-20) ga g(medium) 1(1) >20(>20) D P(High) 3(3) 0-20(0-20) wb œ(low) 0 (0) >20-50(>20-50) ga g(medium) 1(1) >50(>50) D P(High) 3(3) 0-2(0-2) wb œ(low) 0 (0) 2-7(2-7) ga g(medium) 1(1) >7(>7) D P(High) 3(3) 0-5(0-5) wb œ(low) 0 (0) 5-10(5-10) ga g(medium) 1(1) >10(>10) D P(High) 3(3) 20.mvwe K SuywK (µwgk 16 _ K 19 ch š wi iwus Gi hvmdj) Comprehensive Risk (Summation of risk rating from SL No. 16 to 19 ) : wi iwus SuywKi cök wz gš e (Remarks) (Risk Rating) (Nature of Risk) >=14 (>=14) D P(high) <14 (<14) wb œ(low) (*wi iwus 14 Gi Kg n ji KviY D jlc~e K Subjective we epbvq MÖvnK K D P SuywK m úbœwn m e wbiƒcy Kiv h Z cv i ) (A customer may be graded as high risky on the basis of subjective criteria, even though the score of the customer is less than 14) cö ZKvix Kg KZ v (bvghy³ mxjmn ^v i I ZvwiL) ch v jvpbvkvix Kg KZ v (bvghy³ mxjmn ^v i I ZvwiL) g v brvi Acv ikbm (bvghy³ mxjmn ^v i I ZvwiL) kvlv e e vck/kvlv cöavb (bvghy³ mxjmn ^v i I ZvwiL) Preparing Officer Verifying Officer Manager Operations Branch Incumbent/ Head of Branch (Seal with name, Signature & Date) (Seal with name, Signature & Date) (Seal with name, Signature & Date) (Seal with name, Signature & Date) Review & Update Kvix Kg KZ v (bvghy³ mxjmn ^v i I ZvwiL) (Seal with name, Signature & Date)
cö hvr wbqgvejx (Applicable Rules) kz vejx (Conditions)t 1. GwU wnmveavix MÖvnK Ges Bmjvgx e vsk evsjv `k wjwg U Wi g a m úvw`z Bmjvgx kixqvn wfwëk GKwU gỳ 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 Ògỳ 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. 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 gỳ vivev Znwej wewb qvm K i cövß Av qi Kgc kzkiv 65 fvm gỳ vivev wnmveavix `i g a I q UR wfwë Z e Ub K i wewb qvm jvkmvb n j gỳ vivev wnmveavixmy Zv enb K i(bank 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 incurred by Mudaraba account holders) N. e vsk wb œewy Z wbq g RgvK Z A_ I gybvdv dir cö`vb Ki e (Bank will return deposited fund and profit in the ways stated below) O. GQvov Bmjvgx kixqvn& ewy Z gỳ 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) wnmve cwipvjbvi wbqgvejx (Operational rules for Accounts) MSA, MSNA, MFCDA, MFSA:, 2. b~b Zg w wz, cöv_wgk Rgv I cö `q jv fi kz (Conditions for Minimum balance, initial deposit as well as distributed profit): welq (Particulars) me wbæ cöv_wgk Rgv (Minimum initial deposit) cö `q jv fi Rb hvm w wz (Required balance for distributed profit) gỳ vivev mâqx (Mudaraba savings) gỳ vivev we kl bvwuk mâqx (Mudaraba special Notice gỳ vivev dvg vi&m mâqx (Mudaraba Farmers Savings) gỳ vivev ˆe `wkk gỳ ªv Rgv (Mudaraba Foreign Currency savings) Deposit) 500 UvKv (Tk.500) 25000 UvKv (Tk.25,000) 10 UvKv (Tk.10) BDGmwW 1000 (USD 1000) 6 ZvwiL _ K me kl ZvwiL ch š me wbæ w wz (Minimum balance from the 6 th to the last day of the month) bvwuk mv c ˆ`wbK w wz (Daily balance as per notice) 6 ZvwiL _ K me kl ZvwiL ch š me wbæ w wz (Minimum balace from 30 w`b vqx n Z n e (It has to be maintain for 30 the 6 th to the last day of the month) days) D Ëvj bi Rb bvwuk 4 evi ev w wzi 1 / 4 Ask ev 50,000 UvKvi 7 w` bi bvwuk jvm e 4 evi ev w wzi 1/4 Ask ev 50,000 2 evi ev w wzi 1/4 Ask Zvi ekx (Notice for withdrawal) AwZwi³ n j ( 4 times or 1 /4 forth of the UvKvi AwZwi³ n j ( 4 times or 1/4 (7 days notice is required for any th of n j 7 w` bi bvwuk jvm e ( 7 days balance or more than Tk.50,000 ) the balance or more than Tk.50,000 ) notice applicable for withdraw of more amount) than 2 times or more than 1/4 th of the balance) `ªóe : cö hvr nv i b~b Zg mikvix ï éi mgcwigvy UvKvi w wz msi Y Ki Z nq, Ab _vq e vsk PK dir `qvi AwaKvi msi Y K I (Note: Customer has to maintain a minimum balance with the required amount of govt. tax, otherwise Bank reserves the right to return the cheque) 3. ïaygvî mȳ gw I cövßeq Kvb e w³ ev e w³em Zvi/Zv `i cöwzôv bi bv g Ges h Kvb wk v cöwzôvb, K ve, G mvwm qkb, Av_ -mvgvwrk cöwzôvb G wnmve Lyj Z cv ib bvevjk/bvevwjkvi cöwzôv bi bv gi Zvi wczv/gvzv/avbbmz AwffveKMY GB wnmve Lyj Z cvi eb (Only an adult person or persons having sound mind in his/their firm s name and any educational institution, club, association, socio-economic organization can open this Account. Legal guardian or parents can also open this account in the name of the firm of the minor 4. D³ wnmvemg~ n eq i `ybevi (Ryb Ges ww m ^i gv m) mvgwqk (Provisional) nv i jvf cö`vb Kiv nq, hv evwl K Pzovš jvf/ jvkmvb wnmv ei wfwë Z mgš^q/wb úbœkiv nq (Profit is distributed twice in a year ( June and December) at the provisional rate, which is adjusted on the basis of annual profit/loss Account) 5. evwl K jvf jvkmvb wnmve Pzovš niqvi c~ e wnmve eü Ki j mvgwqk nv i jvf cö`vb Kiv nq, ciez xkv j gybvdvi P~ovš nvi NvlYvi c i NvwlZ Pzovš nvi mvgwqk nv ii P q ekx n j wnmveavik K Zv cö`vb Kiv nq (If any account is closed before finalization of annual profit-loss of the bank, profit is distributed at higher rate to the account holder when final declared profit rate would be greater than provisional rate) 6. D³ wnmv ei Î gv mi h Kvb Zvwi L jb `b PjvKvjxb mg q A_ Rgv Kiv hvq Z e gv mi 6 ZvwiL _ K kl Zvwi Li g a msiw Z me wb œw wz jvf cö`v bi wbwg Ë m gv mi Rgv wn m e we ewpz n e (Fund can be deposited at any date of the month in the aforementioned Account. But the minimum of the balance kept/maintained from 6 th to the last day of the month, will be considered for distribution of profit) 7. wnmv ei gvwjk K Pvwn`v gvzv ek wnmve weeiyx cö`vb Kiv nq 30 (wîk) w` bi g a wjwlz Kvb Awf hvm bv c j wnmv ei w wz mwvk Av Q e j a i bqv n e (Account statement will be provided as per demand of the Account holder. The balance of the account will be considered correct, if no written complaint is lodged within 30 days ) 8. e vsk KZ K Bmÿ K Z (Cheque/ATM Card/ i-banking Ges Online/m-Cash Service Gi gva g UvKv Zvjv/ vbvš i Kiv hvq ZvQvov SMS/Online/m-cash Service Gi gva g wewfbœz_ Rvbv hvq (Money can be withdrawn/transferred by cheque/atm Card/i-Banking and Online/m-Cash service issued by Bank. Besides, customer can get access to various information related to banking through the SMS/Online/m-cash Service 9. wnmveavik Ae eüz PK eb dir w` q h_vh_fv e Av e`b K i wnmve eükiy eve` wba vwiz wdm w` q wnmve eü Ki Z cv ib (Account holder can close his account applying in prescribed application form as well as returning unused cheque book and paying required fees for closing the Account) 10. e vsk Kvbiƒc KviY `k v bv e ZxZ h Kvb wnmve eü Ki Z cvi e Ges G Rb Kvb bvwuk cö`vb Kiv nq bv(bank can close any account without showing any reason to the account holder, in this regard Bank is not required to issue any notice)) 11. wnmveavi Ki wvkvbvi Kvb cwiez b n j Awej ^ Zv e vsk K Rvbv Z n e e vsk mvaviyzt WvK/Kzwiqvi hv M wnmve gvwj Ki mv _ hvmv hvm i v K i WvK/Kzwiqvi hv M cöwiz Kvb wpwvcî h_vmg q ev Av `Šwewj bv n j e vsk `vqx _vk ebv(the customer has to inform the Bank immediately, if any change occurs in the address of the 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 ) 12. wnmve Lvjvi mgq `yb Kwc cvm cvu mvbr Qwe, cvm cvu /RvZxq cwipqcî/iqvw KvDwÝji wksev BDwbqb cwil` Pqvig vb KZ K cö`ë bvmwikz mb`(qwehy³) ev wb qvmkz v KZ K cö`ë cwiwpwzcî (Qwehy³) A_ev e vsk/avw_ K cöwzôv bi wbku MÖnY hvm e w³ KZ K cö`ë cöz qbcî (Qwehy³) cö`vb Ki Z n e (Account holder is required to submit two copies of passport size photograph, Passport/National ID Card/Nationality certificate (with photograph) issued by Ward councilor or Chairman of Union Council or Identity card (with photograph) issued by employer or certificate (with photograph) issued by a person acceptable to the Bank/Financial institution) 13. D³ wnmve _ K mikvix wbqg Abyhvqx f vu, Ki ev ïé Ges e vs Ki wbqgvbyhvqx lvb vwmk wfwë Z cwipvjbv wd Ges Ab vb cö hvr wd/pvr KZ b Kiv nb e (VAT/Tax or tariff and operating fees as well as other charges/fees of the Bank will be realized half yearly as per Gov t rules and rules of the Bank) 14. 1991 mv ji e vsk Kv úvbx AvBb Abyhvqx 10 (`k) eqi I Z`yaŸ gqv` ch š Kvb wnmv e jb `b bv n j mswk ównmvewu A`vweK Z (Unclaimed) wnmv e MY K i D³ wnmv ei w wz evsjv `k e vs K vbvš i Kiv nq (No transaction is seen in an account for 10 years or more than that, the account will be treated as an unclaimed Account as per Bank Company Act-1991 and the balance of that particular Account will be transferred to the Bangladesh Bank) 15. Kvb Rgvi Dci MÖvn Ki wnmve _ K e vsk hvkvz cö`vb K i bv 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 himself will shoulder the responsibility for payment of Zakat from his/her Account) 16. hš_ wnmv ei Î hw` GKR bi g Zz nq Ges wnmvewu we kl wb ` kbvq D jl _v K h, h Kvb GKRb ev RxweZ e w³ (Either or survivor can operate the Account) wnmvewu cwipvjbv Ki Z cvi e, Zvn j RxweZ e vw³ mswk ównmvewu cwipvjbv Ki Z my hvm cv e Ges RxweZ e w³ B Qv Ki j mvk mkb mvwu wd KU QvovB D³ wnmv e Mw QZ A_ D Ëvjb Ki Z cvi eb (In case of death of any constituents of Joint Account and if it is mentioned in the special instruction that Either or survivor can operate the account, in such situation, survivor can operate the account and he/she can withdraw the remaining balance from the account without succession certificate)
17. GKK bv g cwipvwjz wnmv e we kl wb ` k hw` bwgbx wnmv e Kvb e w³ K g bvbxz Kiv nq, Z e H e w³ wnmvewu cwipvjbvkvix e w³i g Zz i ci mswk ównmv e Mw QZ A_ h_vixwz mbv³kiy mv c wbqgvbyhvqx D Ëvjb Ki Z cvi e Z e UvKv D Ëvj bi mv _ mv _ wnmvewu eü n q hv e bwgbx wnmve cwipvjbv Ki Z PvB j Zv K wbqgvbyhvqx bzzb wnmve Lyj Z n e (If any person is nominated as nominee as per special instruction of the Account, operated as individual account, the nominee can be allowed to withdraw the remaining balance of the account as per rules accomplishing proper identification. But the account will be closed after withdrawal of the remaining balance. If nominee intends to continue the account, he/she is required to open a new Account ) 18. hš_ wnmv ei Î hw` hš_ ^v i cwipvjbvi wb ` k _v K A_ev we kl wb ` kbvq ejv _v K h, h Kvb GKRb wnmve cwipvjbv Ki Z cvi e (Any one can operate the Account) ZLb h Kvb GKR bi g Zz i mv _ mv _ mswk ównmvewu Z jb `b eü n q hv e G Î IqvW KvDwÝji/BDwbqb cwil` Pqvig vb KZ K cö`ë Iqvwikvb mb `i gva g Av`vj Zi wb ` k QvovB D³ wnmv e Mw QZ A_ RxweZ e w³ g Z e w³i Iqvwik `i mv _ hš_fv e Av e`b Kiv mv c D Ëvjb Ki Z cvi eb (If there is any instruction to operate a joint account in joint signature or it is said in the special instruction that Any one can operate the account in such case the transaction will be stopped instantly after getting the news of death of account holder. In that case, survivor as well as successor of the deceased person can withdraw the remaining balance through submitting a joint application along with submission of succession certificate issued by Ward Councilor/Chairman of Union Parishad without court order) 19. e w³mz/e vw³ gvwjkvbvaxb cªwzôvb/ hš_ gvwjkvbvaxb cªwzôvb /Ab vb wnmveavixmy KZ K Zvi ev Zv `i g Zz i ci RgvK Z UvKv D Ëvj bi Rb bwgbx g bvbxz Ki Z cv ib wnmveavi Ki g Zz i ci mswk ównmv ei RgvK Z A_ D Ëvj bi Rb bwgbx KZ K Zvi/Zv `i Av e`b c Îi mv _ g bvbq bi ^c cögvy ^iƒc wb œvwjwlz KvMR-cÎ/`wjjvw` `vwlj Ki Z n e G Î bwgbx KZ K KvU cö`ë mvk mkb mvwu wd KU `vwlj Kivi cö qvrb bb (The Account holder of Individual/Proprietorship Firm/Partnership Firm/Other Accounts can nominate a nominee to withdraw the remaining balance of those Accounts after the death of the constituents. 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) K. wnmveavi Ki g Zz RwbZ mb`cî cöev m g Zz n j mb`cî mswk ó ` k Aew Z evsjv `k `~Zvevm KZ K ^v wiz n Z n e (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) L) bwgbxi cwiwpwzi ^c e vs Ki `ybrb m vwbz MÖvnK A_ev e vs Ki `ybrb Kg KZ v A_ev BDwbqb cwil` Pqvig vb/wmwu K c v ikb ev wgdwbwmc vwjwui IqvW KvDwÝji KZ K cö`ë mb`cî (A certificate in favour of nominee issued by two valued customers or two officials of the Bank or Chairman of Union Parishad/ Ward Councilor of Municipality) M) bwgbxi cvm cvu AvKv ii mz vwqz Qwe (Attested passport size photograph of nominee) N)bwgbx KZ K Bb WgwbwU eû cö`vb(indemnity Bond to be signed by the nominee) 20. gvwbjûvwis cöwz iva AvBb 2012(2015 Gi ms kvabxmn), mš vm we ivax AvBb 2009 (2012-2013 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 mvk yjvi/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 2012-2013),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. 21. e vsk h Kvb mgh e vsk wnmve msµvš h Kvb wbhgvejx cwiez b,cwiea b, ms kvab ev evwzj Ki Z cv i Ges wnmveavix Zv g b Pj Z eva _vk eb (Bank can change, add, amend or nullify any rules related to account as and when required and the account holder is obliged to abide by the instruction made by the Bank in this regard) Avgiv Dfqc D³ wbqgvejx Ges GZ`msµvš cöpwjz mkj AvBb g b Pj Z ivrx n q wb œ ^v i K i AÎ Pzw³bvgv m úv`b Kijvg (We, the undersigned, are agreed to accomplish this contract standing for all aforementioned conditions & prevailing laws regarding the matter) wnmveavix/wnmveavixm Yi bvg, ^v i I ZvwiL (Name of the Account holder(s), Signature & date ): 1) 2) 3) mswkó Kg KZ vi ^v i I ZvwiL(bvghy³ mxjmn) Signature of the concerned official and date (Seal with name)