wnmv‡ei bvg

Name of the Account

wnmve bs

Account No

BDwbK Kv÷gvi AvBwW †KvW

Unique Customer ID Code

wbevmx MÖvnK‡`i Rb¨ cÖ‡qvRbxq KvMRcÎ (Documents Required for Resident Customer)

Awbevmx MÖvnK‡`i Rb¨ cÖ‡qvRbxq KvMRcÎ (Documents required for Non-Resident customer)

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 each applicant)

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 attested by the introducer for each applicant.

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 photo paste ID card.

Bmjvgx e¨vs‡Ki †h †Kvb PjwZ wnmveavix KZ©„K cwiwPwZ cÖ`vb [cwiPq`vbKvixi wnmvewU wbqwgZ n‡Z n‡e Ges Kgc‡¶ 6 gvm a‡i wnmve cwiPvjbv Ki‡Z n‡e] |

Introduction by any Al-Wadeeah Current Account holder of IBBL [who has been maintaining regular account for at least 6 months].

bwgbx ev bwgbxM‡Yi we¯ÍvwiZ weeiY I Av‡e`bKvix KZ©„K mZ¨vwqZ cÖ‡Z¨‡Ki 1 (GK) Kwc cvm‡cvU© mvB‡Ri Qwe|

Nominee’s (s’) details & 1(one) copy of passport size photograph attested by the applicant for each nominee.

wnmve wVKvbvi ¯^c‡¶ mv¤cÖwZK BDwUwjwU wej (M¨vm, we`y¨r, Iqvmv, †Uwj‡dvb) Gi Abywjwc (hw` _v‡K)|

Copy of recent utility bill (Gas, Electricity, WASA, Telephone) as a proof of mailing address (if any).

we‡`kx bvMwi‡Ki †¶‡Î cvm‡cvU©, ˆea wfmv I IqvK© cviwgU Gi Abywjwc|

Photocopy of Passport, valid VISA & Work Permit for foreign citizen.

nvjbvMv` wU.AvB.Gb mvwU©wd‡K‡Ui Abywjwc (hw` _v‡K)| Photocopy of up-to-date TIN certificate (if any).

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

cÖ`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.

bvevjK wnmv‡ei †¶‡Î Av‡e`b cÎ wnmve cwiPvjbvKvix AwffveK KZ©„K ¯^v¶wiZ n‡Z n‡e| In case of Minor Account, the application to be signed by its operator(guardian).

wnmve †Lvjvi Av‡e`b cÎ hv cÖ‡Z¨K Av‡e`bKvix‡K c~iY I ¯^v¶i Ki‡Z n‡e| Account opening form to be filled in & signed by each applicant.

we‡`kx bvMwi‡Ki †¶‡Î cvm‡cvU©, ˆea wfmv I IqvK© cviwgU Gi Abywjwc (we‡`kx cvm‡cv‡U©i †¶‡Î Óevsjv‡`‡ki Rb¨ wfmv cÖ‡hvR¨ bqÓ) c„ôvwU mshy³ Ki‡Z n‡e|

Copy of passport along with valid VISA/Work permit to be enclosed (in case of foreign passport, the page sealed with “no visa is required for Bangladesh” is necessary).

PvKzixi cÖgvYcÎ, DcvR©b mb`cÎ, †c-wmøc, PvKzixi wb‡qvMcÎ hv‡Z evrmwiK ev gvwmK Avq ewY©Z _v‡K ev me©‡kl AvqKi wiUvb© dig Gi Abywjwc| Proof of employment /income (employment certificate /pay slip /employment contract mentioning annual income/Bank statement mentioning monthly salary or latest tax return)

wnmve wVKvbvi ¯^c‡¶ mv¤cÖwZK BDwUwjwU wej (M¨vm, we`y¨r, Iqvmv, †Uwj‡dvb) Gi Abywjwc (hw` _v‡K)| Copy of recent utility bill (Gas, electricity, WASA,Telephone) as a proof for mailing address (if any).

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.

bwgbx ev bwgbxM‡Yi we¯ÍvwiZ weeiY I Av‡e`bKvix KZ©„K mZ¨vwqZ cÖ‡Z¨‡Ki 1 (GK) Kwc cvm‡cvU© mvB‡Ri Qwe| Nominee’s (s’) details & 1(one) copy of passport size photograph for each nominee (to be attested by the applicant).

hvPvB Gi ¯^v‡_© cÖ‡qvR‡b Dc‡ivwjøwLZ KvMRc‡Îi g~j Kwc Dc¯’vcb Ki‡Z n‡e| (Original copy of above documents to be presented for verification)NlvgvRvi †¶‡Î Av‡e`bKvixi c~Y© ¯^v¶i w`‡q cÖZ¨vwqZ Ki‡Z n‡e| (In case of overwriting, it will be authenticated by the applicant’s full signature)

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

1.

2.

1.

2.

3.

4.

5.

6.

1.

2.

3.

4.

5.

6.

mKj KvMRcÎ Bs‡iRx ev evsjv fvlvq n‡Z n‡e| Ab¨ †Kvb fvlvi †Kvb KvMR _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)

Account Opening Forms duly filled in and signed.

Original Passport to be produced for verification and its photocopy of first seven pages (One set) to be submitted.

Any letter about service or its photocopy from the employer or photocopy of contract form.

Two passport size photographs of A/C holder and nominee(s), photograph to be attested by account holder.

Service/Contract/Appointment letter/Visa for appointment, if be other than Bengali & English shall be submitted with the Account. Opening Form duly translated in Bengali or English.

In case the intending persons desire to open the account from abroad, all the necessary papers (excluding original passport) to be sent duly attested by the authorized official of Bangladesh Embassy working there. Please also note to sign the forms exactly in the same manner as your signature appears in the passport.

Page: 2 of 16

FORMALITIES TO BE OBSERVED FOR OPENING FOREIGN CURRENCY ACCOUNT

`ªóe¨ (Notes):

`ªóe¨ (Notes):

K) ........................................................................ K) ........................................... K) ...............................

Rgv wnmve

Deposit A/C

L) ........................................................................ L) ............................................ L) ...............................

M) ........................................................................ M) ........................................... M) ...............................

Rgv wnmve

Deposit A/C

Rgv wnmve

Deposit A/C

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

Av‡e`bKvix bvevjK n‡j (If the applicant is minor):

Page: 3 of 16

7. Avwg wb¤œewY©Z wnmveavix/wnmveavixMY Gi ˆea AwffveK wn‡m‡e GB g‡g© †NvlYv KiwQ †h, wnmveavix/wnmveavixMY bvevjK| Zvi/Zv‡`i cÖ‡qvRbxq Z_¨ mshy³

di‡g (wnmve mswk¬ó e¨w³ msµvšÍ Z_¨vejx) cÖ`vb Kiv n‡jv| wnmveavix mvevjK bv nIqv ch©šÍ wKsev Avgvi KZ©„K cieZ©x †NvlYv bv †`qv ch©šÍ wnmvewU ˆea

AwffveK wn‡m‡e Avgvi ¯^v¶‡i cwiPvwjZ n‡e| I, being the legal guardian of the account holder, mentioned below, declare that the account holder(s) is/are Minor(s). His /Her/their required information are provided in the attached form. Until the account holder reaches in the age of majority (adult) or any further declaration is given by me, the account will be operated by me being the legal guardian.

K. wnmveavix (bvevjK) Gi bvg Name of the account holder (minor): ...........................................................Rb¥ ZvwiL/eqm Date of Birth/Age:....................

L. wnmveavix (bvevjK) Gi bvg Name of the account holder (minor):.............................................................Rb¥ ZvwiL/eqm Date of Birth/Age:...................

M. wnmveavix (bvevjK) Gi bvg Name of the account holder (minor):.............................................................Rb¥ ZvwiL/eqm Date of Birth/Age:...................

2) Awffve‡Ki bvg Name of the guardian:........................................................................ bvevj‡Ki mv‡_ m¤úK© (Relation with the minor):................................. Awffve‡Ki ¯^vÿi (Signature of guardian):........................................................................................................................................................................................

* (bvevjK Ges AwffveK-Df‡qi Rb¨B Òe¨w³ msµvšÍ Z_¨vejxÓ dig c~iY Ki‡Z n‡e Ges Dfq di‡gB Awffve‡Ki ¯^v¶i Ki‡Z n‡e)|

* CIF form must be filled in for both the minor(s) and the guardian. Both the forms must be signed by the guardian.

e¨e¯’vcK,

The ManagerBmjvgx e¨vsK evsjv‡`k wjwg‡UW

Islami Bank Bangladesh Limited..................................kvLv (Branch)

Rbve,

SirAvm&mvjvgy AvjvBKzg|

Assalamu Alaikum.

Avwg/Avgiv Avcbvi kvLvq GKwU wnmve †Lvjvi Rb¨ Av‡e`b KiwQ| Avgvi/Avgv‡`i wnmve msµvšÍ I e¨w³MZ we¯ÍvwiZ Z_¨ cÖ‡qvRbxq bw_cÎ mn wb‡gœ cÖ`vb KiwQ| I/We, hereby, am/are applying for opening an account at your branch. In this regard, I/We am are submitting my /our account related and detailed personal information with necessary documents below:

1. wnmv‡ei bvg (evsjvq):..................................................................................................................................................................................................................................

Name of the Account (In Bangla)

Bs‡iRx‡Z (Block Letter):..............................................................................................................................................................................................................................In English

2. wnmv‡ei cÖK…wZ [wUK w`b]: Avj-Iqv`xqvn PjwZ wnmve (AWCA) Gdwm wnmve (FCA) bb †iwm‡W›U Bb‡f÷im UvKv wnmve (NITA) Nature of Account (please tick): Al-Wadeeah Current Account (AWCA) Foreign Currency Account (FCA) Non Resident Investors Taka Account (NITA)

3. wnmve †Lvjvi D‡Ïk¨ [wUK w`b]: e¨emv mÂq Av`vq †iwg‡UÝ Ab¨vb¨ (D‡jøL Kiæb):.......................

Purpose of A/C opening (please tick) Business Savings Collection Remittance Others (Please mention)

4. gy`ªv [wUK w`b]: 0 UvKv 0 Wjvi 0 BD‡iv 0 cvDÛ 0 Ab¨vb¨ ..........................

Currency (please tick): Taka Dollar Euro Pound Others.........................

5. K) wnmve cwiPvjbv msµvšÍ †NvlYv [wUK w`b]: 0 GKKfv‡e 0 †hŠ_fv‡e 0 †h †Kvb GKRb A_ev RxweZ Rb 0 Ab¨vb¨

Declaration regarding Account operation : (please tick): Singly Jointly Either or Survivor Others

6. e¨vs‡K cwiPvwjZ wnmve Av‡Q wK [wUK w`b]: 0 nu ¨v 0 bv DËi nu¨v n‡j:

Is Account maintained in Bank (if any please tick Yes No If yes:

()

Av‡e`bK…Z wnmve msµvšÍ Z_¨: (Account's information, applied for):

wnmve †Lvjvi Av‡e`b dig (Account Opening Form)

Bmjvgx e¨vsK evsjv‡`k wjwg‡UW

Islami Bank Bangladesh Limited

Nature of the Account Operated (Please tick)

8. (K) bvg (evsjvq) : ............................................................................ Bs‡iRx‡Z: .........................................................................................

Name (In Bangla) In English:

(L) wnmv‡ei bvg (Name of Account) : ...................................................... Bs‡iRx‡Z (In English): ....................................................................

(M) wnmve bs: ...................................................................................... RvZxq cwiPq cÎ bs: ........................................................................

Account No. National ID No.

(N) kvLvi bvg (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)..................................MÖvn‡Ki mv‡_ m¤úK© (Relation with the customer): .........................

(Q) ¯^v¶i (ZvwiLmn) Signature (with Date): .....................................................

cwiPq`vbKvixi wnmve †Lvjvi ZvwiL ...........................................

Introducer A/C opening 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 an existing customer, the account may be opened without introduction upon satisfaction of the A/C opening officer.

cwiPq`vbKvix KZ©„K cwiPq cÖ`v‡bi msL¨v:.........................................

Number of introduction given by the introducer

cÖZ¨qbKvixi (Verifying) Employee ID No. .....cÖZ¨qbKvix Kg©KZ©v (bvghy³ mxjmn ¯^v¶i I ZvwiL)

Verifying Officer (Seal with name, signature & date)

Avwg wb¤œ ¯^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 Ges GB 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 properly the above mentioned information of the introducer & inserted the data by proper screening procedure & certified that introduction of introducer for opening the account may be accepted.

9. Avwg/Avgiv GB wnmv‡ei A_© Avgvi/Avgv‡`i g„Zz¨i ci wb‡gœv³fv‡e wb‡gœv³ e¨w³‡K cÖ`v‡bi Rb¨ g‡bvbxZ Kijvg| Avwg/Avgiv D‡jøwLZ 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›Ub 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) wnmv‡ei bvg (Name of Account): ...................................... (L) wnmve bs (Number of the Account): ...............................................................

(M) bwgbxi bvg: .................................................................................... (N) wcZvi bvg: ...................................................................................

Nominee's Name Father's Name

(O) gvZvi bvg: ...................................................................................... (P) ¯^vgx/¯¿xi bvg: ...............................................................................

Mother's Name Name of the Spouse

Page: 4 of 16

7. Avwg wb¤œewY©Z wnmveavix/wnmveavixMY Gi ˆea AwffveK wn‡m‡e GB g‡g© †NvlYv KiwQ †h, wnmveavix/wnmveavixMY bvevjK| Zvi/Zv‡`i cÖ‡qvRbxq Z_¨ mshy³

di‡g (wnmve mswk¬ó e¨w³ msµvšÍ Z_¨vejx) cÖ`vb Kiv n‡jv| wnmveavix mvevjK bv nIqv ch©šÍ wKsev Avgvi KZ©„K cieZ©x †NvlYv bv †`qv ch©šÍ wnmvewU ˆea

AwffveK wn‡m‡e Avgvi ¯^v¶‡i cwiPvwjZ n‡e| I, being the legal guardian of the account holder, mentioned below, declare that the account holder(s) is/are Minor(s). His /Her/their required information are provided in the attached form. Until the account holder reaches in the age of majority (adult) or any further declaration is given by me, the account will be operated by me being the legal guardian.

K. wnmveavix (bvevjK) Gi bvg Name of the account holder (minor): ...........................................................Rb¥ ZvwiL/eqm Date of Birth/Age:....................

L. wnmveavix (bvevjK) Gi bvg Name of the account holder (minor):.............................................................Rb¥ ZvwiL/eqm Date of Birth/Age:...................

M. wnmveavix (bvevjK) Gi bvg Name of the account holder (minor):.............................................................Rb¥ ZvwiL/eqm Date of Birth/Age:...................

2) Awffve‡Ki bvg Name of the guardian:........................................................................ bvevj‡Ki mv‡_ m¤úK© (Relation with the minor):................................. Awffve‡Ki ¯^vÿi (Signature of guardian):........................................................................................................................................................................................

* (bvevjK Ges AwffveK-Df‡qi Rb¨B Òe¨w³ msµvšÍ Z_¨vejxÓ dig c~iY Ki‡Z n‡e Ges Dfq di‡gB Awffve‡Ki ¯^v¶i Ki‡Z n‡e)|

* CIF form must be filled in for both the minor(s) and the guardian. Both the forms must be signed by the guardian.

1)

(Q) †ckv: ............................................................................................ (R) wnmveavixi mv‡_ m¤úK©: ..................................................................

Occupation Relation with the account holder

(S) RvZxq cwiPqcÎ b¤^i/cvm‡cvU© bs/ Rb¥ wbeÜb mb`/ WªvBwfs jvB‡mÝ/B‡jKUªwbK-U¨v· AvBwW b¤^i: .............................................................................

National ID No/ Passport No./ Birth registration certificate/ Driving License/E-TIN No.

(T) Ab¨vb¨ (mywbw`©ófv‡e D‡jøL Kiæb) : ............................................................................................................................ .............................

Others (mention specifically)

(U) Rb¥ZvwiL/ eqm (Date of Birth/Age) :...................................................................................................................................... ..............................

(V) bwgbxi ¯’vqx wVKvbv: ................................................................................................................................................ .......................)..

Permanent address of Nominee

(W) eZ©gvb wVKvbv: .........................................................................................................................................................................................

Present address

(X) bwgbx GKvwaK n‡j (kZKiv nv‡i): ................................................................................................................................................................

If nominee is more than one (Percentage)

(Y) bwgbx bvevjK n‡j Zvi/ Zv‡`i bvevjK _vKv Ae¯’vq wnmveavix/ wnmveavixM‡Yi g„Zz¨i †ÿ‡Î e¨vsK †Kv¤úvbx 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 expired keeping the nominee in the age of minor as per section 103 (2) of Bank Company Act, 1991): i) bvg (Name):

ii) wcZv/ ¯^vgx Gi bvg (Name of the Father/ Husband):

iii) Rb¥ ZvwiL (Date of Birth):

iv) eZ©gvb wVKvbv (Present Adress):

v) ¯’vqx wVKvbv (Permanent Adress):

vi) µwgK ÔSÕ Abymv‡i ˆea AwffveK‡`i 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 †¶‡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|

If the nominee is more than one, photocopy of this part of the AOF to be attached with the original form.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 providing only Birth Registration Certificate, the customer must submit any photo paste ID. we‡`kx bvMwi‡Ki †¶‡Î cvm‡cvU©, ˆea wfmv Gi Abywjwc|

Copy of passport along with valid VISA to be enclosed.

10. cÖv_wgK Rgvi cwigvYt .............................................. Rgvi aib: [wUK w`b] bM` 0 †PK 0 UªvÝdvi

Amount of initial deposit Nature of deposit Cash Cheque Transfer

†P‡K Rgv n‡j, †PK bs: ...............................................

If deposit by cheque, cheque No.

11. A‡_©i Drm (mywbw`©ó I we¯ÍvwiZ) t .................................................................................................................................................................. Source of Fund (specific & Detailed)

12. AvaywbK e¨vswKs †mev: Avwg/ Avgiv wb‡gœv³ AvaywbK e¨vswKs †mev e¨vs‡Ki wbqgvbyhvqx MÖnY Ki‡Z B”QyK: [wUK w`b]

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

Page: 5 of 16

.......................................

Av‡e`bKvix/wnmveavixi ¯^v¶i

Signature of Applicant/A/C holder

...................................................................

cÖZ¨qbKvix Kg©KZ©v (bvghy³ mxjmn ¯^vÿi I ZvwiL)

Signature of Verifying Officer

*

*

*

*

Photograph ofNominee (attested by

the customer)

bwgbxi Qwe (MÖvnK

KZ©„K mZ¨vwqZ)

()

()

13. 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 regarding 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 16

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 †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 applicants 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)

MÖvnK/ †ewbwdmvqvj Ibvi/ cwiPvj‡Ki bvg (evsjvq) :

.....................................................................................................................................................................................................

Name of the Customer/Beneficial owner /Operator (In Bangla)Bs‡iRx‡Z (Block Letter) :....................................................................................................................................................................................................................................................In English

wnmv‡ei mv‡_ m¤úK© (Relation with A/C): [wUK w`b]

cÖ_g Av‡e`bKvix ｨ wØZxq Av‡e`bKvix ｨ Z… Zxq Av‡e`bKvix ｨ bvevjK AwffveK ｨ G¨vUb©x †nvìvi wmM‡bUwiR

1st applicant 2nd applicant 3rd applicant Minor Guardian Attorney holder Signatories

cÖK„Z myweav‡fvMx g¨v‡ÛU †nvìvi wnmve cwiPvjbvKvix Uªvw÷ cÖavb wbe©vnx Kg©KZ©v Ab¨vb¨

Beneficial owner Mandate holder Operator Trustee Cheif Executive Officer Others

wcZvi bvg (evsjvq) t

.............................................................................................................................................................................................................

Father's Name (In Bangla)Bs‡iRx‡Z (Block Letter) t...................................................................................................................................................................................................

In English

gvZvi bvg (evsjvq) t

...............................................................................................................................................................................................................

Mother's Name (In Bangla)Bs‡iRx‡Z (Block Letter) t...................................................................................................................................................................................................

In English

¯^vgx/¯¿xi bvg (evsjvq) t

...........................................................................................................................................................................................................................................................

Name of the Spouse (In Bangla)Bs‡iRx‡Z (Block Letter) t....................................................................................................................................................................................................................................................

In English

RvZxqZv t

.....................................................................................................................................................................................................................................................................................

Nationality

Rb¥ ZvwiL t

.................................................................................................

wUK w`b cyiæl ｨgwnjv ｨZ… Zxq wj½

Date of birth Please Tick Male Female 3rd Gender

Rb¥ ¯’vb (†`k mn) t

...................................................................

RvZxq cwiPqcÎ bs t

....................................................................................

KZ©…cÿ:

....................................................

Place of birth (with country) National ID No . Issuing Authority

†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 )

gvwmK Avq, we¯ÍvwiZ `wjjvw`mn (Monthly Income, with detailed documents )................................................................................................................

cvm‡cvU© b¤^i (hw` _v‡K) t

.

.........................................................................................

†gqv`

t

.

................................................

Bmy¨Kvix KZ©…cÿ :

.......................................................

Passport No. (if any) Date of expiry Issuing Authority

B-wUb b¤^i t

............................................

WªvBwfs jvB‡mÝ b¤^i t

.

.................................................

†gqv`t

.

..............................................

KZ©…cÿ :

....................................................

E-TIN No. Driving License No. Date of expiry Issuing Authority

(K) eZ©gvb wVKvbv (Avevm¯’j) t

............................................................................................................................................................................................................................................

Present address (Residence) †Uwj‡dvb t evmv t

.....................................................................

Awdm t

...............................................................................

†gvevBj t

.....................................................................

Telephone : (Residence) Office Mobile

(L) wVKvbvi aib : ˆcwÎK wbR fvov cÖwZôvb KZ©„K cÖ`Ë Ab¨vb¨ (D‡jøL Kiæb):

...............................

Nature of Address Provided by Employer Others (Mention)

(M) c~e©eZ©x wVKvbv (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 (E-mail) t .......................................................................................................................................... d¨v· (Fax)t

....................................................................................

¯’vqx wVKvbv (Permanent address)t ....................................................................................................................................................................................................................................

†ckvMZ wVKvbv (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

bvMwiKZ¡ GKvwaK n‡j t (1) ivóª (Country) :..................................................................................................................................................................................................

(2) cvm‡cvU© Bmy¨Kvix KZ©„cÿ (Passport issuing authority) : ...................................................................................................................

ｨ(3) cvm‡cvU© †gqv‡`vË©x‡Yi ZvwiL (Expiry date of passport) : ...............................................................................................................

ˆeevwnK Ae¯’v (wUK w`b) weevwnZ AweevwnZ ZvjvKcÖvß

Marital status Married Unmarried Divorcee

†iwm‡WÝ ÷¨vUvm (wUK w`b) t ｨ †iwm‡W›U ｨ bb-‡iwm‡W›U

Residence status (please tick) Resident Non-resident

Riæix cÖ‡qvR‡b †hvMv‡hv‡Mi Rb¨ g‡bvbxZ e¨w³/Awdm KZ…©K g‡bvbxZ weKí miKvix Kg©KZv (Nominated person/ substitute govt. official nominated by respective office, in case of emergency correspondence):

bvg (Name) :..................................................................................................................................................................................................................

wVKvbv (Address) :..........................................................................................................................................................................................................

wnmveavix/wnmve cwiPvjbKvixi mv‡_ m¤úK© (Relation with Account Holder/ Operator) :..................................................................................................

B-†gBj (e-mail):............................................................. †gvevBj (Mobile) :................................................................................................................

bb-†iwm‡W›U evsjv‡`kx n‡j wb‡¤œv³ Z_¨vw` c~iY Ki‡eb (The following information to be filled in, if the customer is a 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):

MÖvnK FATCA cwicvj‡bi Rb¨ †hvM¨ wK bv? [wUK w`b] nu¨v ｨ bv| DËi nu ¨v n‡j, FATCA cwicvjb Aek¨B wbwðZ Ki‡Z n‡e|

Whether the customer is eligible for complying with FATCA ? Yes No. If yes, FATCA compliance must be ensured.

wnmv‡ei bvg

Name of the Account

wnmve bs

Account No

BDwbK Kv÷gvi AvBwW †KvW

(Unique Customer ID Code)

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.

12.

13.

Page: 7 of 16

[Duly Attested by theIntroducer].

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(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 applicants 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)

MÖvnK/ †ewbwdmvqvj Ibvi/ cwiPvj‡Ki bvg (evsjvq) :

.....................................................................................................................................................................................................

Name of the Customer/Beneficial owner /Operator (In Bangla)Bs‡iRx‡Z (Block Letter) :....................................................................................................................................................................................................................................................In English

wnmv‡ei mv‡_ m¤úK© (Relation with A/C): [wUK w`b]

cÖ_g Av‡e`bKvix ｨ wØZxq Av‡e`bKvix ｨ Z… Zxq Av‡e`bKvix ｨ bvevjK AwffveK ｨ G¨vUb©x †nvìvi wmM‡bUwiR

1st applicant 2nd applicant 3rd applicant Minor Guardian Attorney holder Signatories

cÖK„Z myweav‡fvMx g¨v‡ÛU †nvìvi wnmve cwiPvjbvKvix Uªvw÷ cÖavb wbe©vnx Kg©KZ©v Ab¨vb¨

Beneficial owner Mandate holder Operator Trustee Cheif Executive Officer Others

wcZvi bvg (evsjvq) t

.............................................................................................................................................................................................................

Father's Name (In Bangla)Bs‡iRx‡Z (Block Letter) t...................................................................................................................................................................................................

In English

gvZvi bvg (evsjvq) t

...............................................................................................................................................................................................................

Mother's Name (In Bangla)Bs‡iRx‡Z (Block Letter) t...................................................................................................................................................................................................

In English

¯^vgx/¯¿xi bvg (evsjvq) t

...........................................................................................................................................................................................................................................................

Name of the Spouse (In Bangla)Bs‡iRx‡Z (Block Letter) t....................................................................................................................................................................................................................................................

In English

RvZxqZv t

.....................................................................................................................................................................................................................................................................................

Nationality

Rb¥ ZvwiL t

.................................................................................................

wUK w`b cyiæl ｨgwnjv ｨZ… Zxq wj½

Date of birth Please Tick Male Female 3rd Gender

Rb¥ ¯’vb (†`k mn) t

...................................................................

RvZxq cwiPqcÎ bs t

....................................................................................

KZ©…cÿ:

....................................................

Place of birth (with country) National ID No . Issuing Authority

†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 )

gvwmK Avq, we¯ÍvwiZ `wjjvw`mn (Monthly Income, with detailed documents )................................................................................................................

cvm‡cvU© b¤^i (hw` _v‡K) t

.

.........................................................................................

†gqv`

t

.

................................................

Bmy¨Kvix KZ©…cÿ :

.......................................................

Passport No. (if any) Date of expiry Issuing Authority

B-wUb b¤^i t

............................................

WªvBwfs jvB‡mÝ b¤^i t

.

.................................................

†gqv`t

.

..............................................

KZ©…cÿ :

....................................................

E-TIN No. Driving License No. Date of expiry Issuing Authority

(K) eZ©gvb wVKvbv (Avevm¯’j) t

............................................................................................................................................................................................................................................

Present address (Residence) †Uwj‡dvb t evmv t

.....................................................................

Awdm t

...............................................................................

†gvevBj t

.....................................................................

Telephone : (Residence) Office Mobile

(L) wVKvbvi aib : ˆcwÎK wbR fvov cÖwZôvb KZ©„K cÖ`Ë Ab¨vb¨ (D‡jøL Kiæb):

...............................

Nature of Address Provided by Employer Others (Mention)

(M) c~e©eZ©x wVKvbv (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 (E-mail) t .......................................................................................................................................... d¨v· (Fax)t

....................................................................................

¯’vqx wVKvbv (Permanent address)t ....................................................................................................................................................................................................................................

†ckvMZ wVKvbv (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

bvMwiKZ¡ GKvwaK n‡j t (1) ivóª (Country) :..................................................................................................................................................................................................

(2) cvm‡cvU© Bmy¨Kvix KZ©„cÿ (Passport issuing authority) : ...................................................................................................................

ｨ(3) cvm‡cvU© †gqv‡`vË©x‡Yi ZvwiL (Expiry date of passport) : ...............................................................................................................

ˆeevwnK Ae¯’v (wUK w`b) weevwnZ AweevwnZ ZvjvKcÖvß

Marital status Married Unmarried Divorcee

†iwm‡WÝ ÷¨vUvm (wUK w`b) t ｨ †iwm‡W›U ｨ bb-‡iwm‡W›U

Residence status (please tick) Resident Non-resident

Riæix cÖ‡qvR‡b †hvMv‡hv‡Mi Rb¨ g‡bvbxZ e¨w³/Awdm KZ…©K g‡bvbxZ weKí miKvix Kg©KZv (Nominated person/ substitute govt. official nominated by respective office, in case of emergency correspondence):

bvg (Name) :..................................................................................................................................................................................................................

wVKvbv (Address) :..........................................................................................................................................................................................................

wnmveavix/wnmve cwiPvjbKvixi mv‡_ m¤úK© (Relation with Account Holder/ Operator) :..................................................................................................

B-†gBj (e-mail):............................................................. †gvevBj (Mobile) :................................................................................................................

bb-†iwm‡W›U evsjv‡`kx n‡j wb‡¤œv³ Z_¨vw` c~iY Ki‡eb (The following information to be filled in, if the customer is a 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):

MÖvnK FATCA cwicvj‡bi Rb¨ †hvM¨ wK bv? [wUK w`b] nu¨v ｨ bv| DËi nu ¨v n‡j, FATCA cwicvjb Aek¨B wbwðZ Ki‡Z n‡e|

Whether the customer is eligible for complying with FATCA ? Yes No. If yes, FATCA compliance must be ensured.

14.

15.

16.

17.

18.

19.

20.

21.

22.

Seal & Signature (Bangladesh Embassy/Account Holder/IBBL Representative) Seal & Signature of A/C Opener

*

*

Av‡e`bKvixi/ wnmve cwiPvjbvKvixi ¯^v¶i, ZvwiLmn

(Applicant’s /Operator’s Signature with Date)

wnmve †Lvjvi Kg©KZ©v (bvghy³ mxjmn ¯^v¶i I ZvwiL)

Account 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)

Page: 8 of 16

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 must 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.

In case of dual citizenship

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wnmve bs

Account No

BDwbK Kv÷gvi AvBwW †KvW

(Unique Customer ID Code)

* bgybv ¯^vÿi Av½y‡ji Qvc n‡j, ¯^vÿxi we¯ÍvwiZ Z_¨ (In case of specimen signature is thumb impression, detailed information of the witness is required)¯^vÿxi bvg (Name of the witness):....................................................................................................................................................................................................................wVKvbv (address): .................................................................................................................................................................................................................................................RvZxq cwiPqcÎ bs (NID No.):....................................................................†Uwj‡dvb/†gvevBj (Phone/Mobile):...............................................................................................

bM` Rgv (wb‡R) Cash deposit (By self)bM` Rgv (A‡b¨i Øviv) Cash deposit (by Others)†P‡Ki gva¨‡g UªvÝdvi (Transfer by Cheque )Ab¨vb¨ Bb÷ªy‡g›U Gi gva¨‡g UªvÝdvi (Transfer by Others)Electronic Ges B›Uvi‡bU e¨vswKs Gi gva¨‡g Rgv (Deposit through electronic & i-Banking )

ˆe‡`wkK †iwg‡UÝ Rgv (Deposit as Foreign Remittance)Avg`vbx /ißvbx n‡Z Avq (Income from Import/Export)cuywRevRvi wnmve n‡Z Rgv (Deposit from B.O A/C)Ab¨vb¨ (wbw`©ó Kiæb) Others (Please Specify)†gvU m¤¢ve¨ Rgv (gvwmK) Total probable deposit (Monthly)

wnmv‡ei bvg (Name of the Account):......................................................................................................................

gvwmK Avq (Monthly Income):..................................................................................................................................

gvwmK m¤¢ve¨ UvY©Ifvi (Monthly Possible turnover):........................................................................................

†jb‡`‡bi AbywgZ gvÎv (Transaction Profile)

Page: 9 of 16

...................................................... kvLv

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.

MÖvn‡Ki/wnmve cwiPvjbvKvixi (Customer’s/ Operator’s)

bvg (Name ):

¯^v¶i (Signature):

ZvwiL (Date):

e¨vs‡Ki e¨env‡ii Rb¨ (for bank use only)

Page: 10 of 16

evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwb‡Ui wb‡`©kbv †gvZv‡eK MÖvn‡Ki m¤¢ve¨ †jb‡`‡bi AbywgZ gvÎv cwieZ©b Kiv n‡jv (Transaction profile of the client is changed in accordance with the instruction given by Bangladesh Financial Intelligence Unit).

MÖvn‡Ki m¤¢ve¨ †jb‡`‡bi AbywgZ gvÎv cwieZ©b Kiv/ bv Kivi KviY (Causes for changing/not changing transaction profile of the client) :

bM` D‡Ëvjb (wb‡R) Cash Withdrawal (By self)bM` D‡Ëvjb (A‡b¨i Øviv) Cash Withdrawal (by others)†P‡Ki gva¨‡g UªvÝdvi (Transfer by cheque )Ab¨vb¨ Bb÷ªy‡g›U Gi gva¨‡g UªvÝdvi (Transfer by others)Electronic Ges B›Uvi‡bU e¨vswKs Gi gva¨‡g D‡Ëvjb (Withdrawal through electronic & i-Banking)

ˆe‡`wkK †iwg‡UÝ D‡Ëvjb (Withdrawal as Foreign Remittance)Avg`vbx /ißvbx eve` cwi‡kva (Payment for Import/Export)cuywRevRvi wnmve n‡Z D‡Ëvjb (Withdrawal from B.O. A/C)Ab¨vb¨ (wbw`©ó Kiæb) Others (Please specify)†gvU m¤¢ve¨ D‡Ëvjb (gvwmK)Total probable Withdrawal (monthly)

m¤¢ve¨ †jb‡`‡bi AbywgZ gvÎv MÖnYKvix e¨vsK Kg©KZ©vi bvg I c`exmn ¯^v¶i:

(Probable transaction profile accepting Bank official’s signature with name & designation)

wnmv‡ei bvg (evsjvq):......................................................................................................................

Name of the Account (In Bangla)Bs‡iRx‡Z (Block Letter):...............................................................................................................In Englishwnmv‡ei cÖK…wZ (we¯ÍvwiZ):.............................................................................................................................................................................................

Nature of the Account (detailed)wnmve b¤^i:..................................................................................................................................................................................................................

Account No.BDwbK MÖvnK AvBwW †KvW:.............................................................................................................................................................................................

Unique Customer ID CodeMÖvn‡Ki †ckv (we¯ÍvwiZ):...............................................................................................................................................................................................

Occupation of Customer (Detailed)MÖvn‡Ki gvwmK m¤¢ve¨ Avq:............................................................................................................................................................................................

Probable monthly income of the customerA‡_©i Drm/Drmmg~n (we¯ÍvwiZ):.....................................................................................................................................................................................

Source/Sources of Fund (Detailed)

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 bv [wUK w`b] nu¨v 0 bv

Whether documents collected are verified Yes No

wnmveavixi wVKvbv (mg~n) wKfv‡e hvPvB Kiv n‡q‡Q (we¯ÍvwiZ)..........................................................................................................................................................

How the addresses of the Firm have been verified (Detailed)

wnmv‡ei cÖK…Z myweav‡fvMx (Beneficial Owner) wba©viY Kiv n‡q‡Q wK? [wUK w`b] nu¨v bv | DËi nu¨v n‡j: cÖK…Z myweav‡fvMx (Beneficial Owner) Gi Avjv`v CIF mshy³ K‡i‡Qb wK? [wUK w`b] 0 nu ¨v 0 bv|

Has actual benificial owner of the account been detected? Yes No. If yes: Has separate CIF of the beneficial owner been attached? Yes No

cwiwPwZ c‡Îi Abywjwc: cvm‡cvU© RvZxq cwiPq cÎ Rb¥ wbeÜb mb`cÎ B-wUb mb`cÎ WªvBwfs jvB‡mÝ Ab¨vb¨ (D‡j¬L Kiæb):

Photocopy of identity: Passport National ID Birth Registration Certificate E-TIN Certificate Driving License Others

* cwiwPwZ cÎ hvPvB Kiv n‡q‡Q wK bv [wUK w`b] nu¨v bv

Whether identity has been verified Yes No

Awbevmx Ges we‡`kx‡`i wnmve †Lvjvi †¶‡Î:

Applicable for opening of Non-resident and foreigner’s Account:K) D‡Ïk¨ (Purpose): ..........................................................................................................................................................................................................................L) wfmvi cÖK…wZ (Nature of Visa):.................................................................... †gqv` DËx‡Y©i ZvwiL (Date of expiry)..................................................................M) Kg©vbygwZ (cÖ‡hvR¨ †¶‡Î) Work permit (if applicable) : N) e¨vsK wnmve †Lvjvi Rb¨ h_vh_ KZ©„c‡¶i Aby‡gv`b i‡q‡Q wK bv [wUK w`b] t nu¨v bv

Whether has he/she permission from the competent authority for opening Bank account? (please tick) Yes No

MÖvnK cwjwUKvwj G·‡cvmW cvimb&m (PEPs) /cªfvekvjx e¨w³/AvšÍR©vwZK ms¯’vi cÖavb/D”P ch©v‡qi Kg©KZ©v Ges Zv‡`i Close Associates? wK bv

(weGdAvBBD mvK©yjvi G ewb©Z msÁvbymv‡i) Is the customer PEPs/Influential Person/Head/High Officials of International Organization & their Close Associate. (As per definition of BFIU Circular) nu¨v (Yes) bv (No), DËi n¨v n‡j (if yes) :

K) wmwbqi g¨v‡bR‡g›U n‡Z Aby‡gv`b †bqv n‡q‡Q wK bv [wUK w`b] t nu¨v bv

Whether has permission 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 nu¨v bv

Whether has face to face interview been taken from the customer ? (please tick) Yes No

K) mswk¬ó AvBb, 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¯Ívi 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 nu¨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

DËi nu¨v n‡j M„nxZ e¨e¯’vi weeiY:.......................................................................................................................................................................................................

If yes, please mention the steps taken in detailed

L) MÖvn‡Ki bv‡g †Kvb Sanction ev Adverse Media Report Av‡Q wK? [wUK w`b] nu¨v bv

Is there any Sanction or Adverse Media Report against the customer (please tick) Yes No

* DËi nu¨v n‡j M„nxZ e¨e¯’vi weeiY:...................................................................................................................................................................................................

If yes, please mention the steps taken in detailed:

wnmve bs

Account No

BDwbK Kv÷gvi AvBwW †KvW

(Unique Customer ID Code)

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.

12.

13.

14.

Page: 11 of 16

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`ªóe¨: KYC m¤úv`bKvix Kg©KZ©v Mªvn‡Ki e¨emv‡qi ev †ckvi cÖK…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‡` 16-47 µwg‡K D‡jøwLZ †ckvi †ÿ‡Î ewY©Z †¯‹vi A‡cÿv D”PZi †¯‹vi cÖ`vb Ki‡Z cvi‡e| Av‡e`bKvix QvÎ n‡j, Dc‡iv‡jøwLZ QK Abyhvqx Zvi

Awffve‡Ki SuywK wbiƒcY Ki‡Z n‡e|

NB : In case of scoring as mentioned in the serial Nos. 16-47, 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.

Page: 12 of 16

15. MÖvnK wK K‡ib/wK ai‡bi e¨emv‡q wb‡qvwRZ i‡q‡Q (What the customer does/In what type of business he/she is involved)

16. MÖvn‡Ki gvwmK Av‡qi cwigvY: (Amount of monthly income of the customer)

1 jÿ ch©šÍ (1lac)> 1 n‡Z 3 jÿ ch©šÍ (above 1lac to 3 lac)

3 jÿvwaK (more than 3 lac)

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2

2

1

1

1-5

(5)(5)

(5)5 (5)

5 (5)

(5)(5)(5)(5)(5)(5)(5)

(5)5 (5)

(5)(4)

(4)(3)(3)(3)(3)

(4)(4)(4)(4)(4)

(4)(4)

(4)(4)(4)(4)

(3)(3)(3)(3)(3)(2)(2)(2)(2)(2)(2)(2)(1)(1)(1-5)

Ry‡qjvix/¯^‡Y©i e¨emv/gyj¨evb avZzi e¨emv (Business of Jewelry/Gold/ Precious Metal)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)wi‡qj G‡÷U †W‡fjcvi/G‡R›U (Real Estate Developer/Agent)wbg©vY cÖKí wVKv`vi (Contactor of Construction Firm)wPÎKjv/Gw›U‡Ki wWjvi (Painting/Antic dealer)†i‡¯Íviuv/evi/bvBU K¬ve/AvevwmK †nv‡Uj/cvj©vi e¨emv (Restaurant/Bar/Night Club/Residential Hotel/Parlour Business)Avg`vbx/ißvbx I Avg`vbx/ißvbx G‡R›U (Import/Export & Import /Export Agent)Mv‡g©›Um e¨emv/Mv‡g©›Um/G‡·mwim/evwqs nvDm (Garments business/Garment accessories/Buying House)GKm&c¨vwiAvU (evsjv‡`k Kg©iZ we‡`kx e¨w³) Expatriate (Foriegn citizen working in Bangladesh) †kqvi/÷K e¨emvq wewb‡qvMKvix (Investor of Share/Stock Business)Rbkw³ ißvbx e¨emv (Manpower Export Business)A‡¯¿i e¨emv (Business of Weapons)Uªvw÷ (Trustee)cvBjU/ d¬vBU G‡U‡Û›U (Pilot/ Flight Attendent) md&UIq¨vi e¨emv/Z_¨ cÖhyw³i e¨vemv (Software Business/Business of Information Technology)Uªv‡fj G‡R›U (Travel Agent)evwl©K 1 †KvwU UvKvi AwaK A_©jMœxKvix e¨emvqx (Businessman having investment more than Tk. One crore) †d«BU/wkwcs/Kv‡M©v G‡R›U (Freight/Shipping/Cargo Agent)A‡Uv wWjvi (wiKwÛkb Mvox) Auto Dealer (Reconditioned Vehicle)e¨emv (Pvgov I PvgovRvZ cY¨) (Business Leather/ Leather product)evox wbg©vY mvgMÖxi e¨emv (Business of House Building Materials)†ckvRxex (mvsevw`K, AvBbRxex, Wv³vi, BwÄwbhvi, PvUvW© GKvDb‡U›U) Professinals (Gernalist, Lawyer, Physician, Engineer, Chatered Accountant) wW‡i±i (cÖvB‡fU/ cvewjK wjwg‡UW †Kv¤úvwb) Director ( Private / Public Limited Company)eûRvwZK cÖwZôv‡bi DaŸ©Zb Kg©KZ©v (Senior Executive of Multinational Company) M„wnbx (Housewife)Z_¨-cÖhyw³ †¶‡Î PvKzix (Job in the Information-Technology Sector) †L‡jvqvo/ wgwWqv †mwj‡eªwU/ cÖwWDmvi / wW‡i±i (Player/ Media Celebraty/ Producer/ Director) wdj¨vÝ mdUIqvi †W‡fjcvi (Freelance Software Developer) e¨emv-G‡R›U (Business-Agent)miKvix PvKzix (Government Employee)evoxIqvjv (House Owner)myZv e¨emvqx / SzU e¨emvqx (Cotton/ Jhute Businessman)cwienb Ac‡iUi (Transport Operator)ZvgvK I wmMv‡i‡Ui e¨vemv (Tobacco Business)we‡bv`bKvix cÖwZôvb/ cvK© (Entertaiment House / Park)†gvUi cvU©m / IqvK©mc-Gi e¨emv (Motor Parts/ Workshop Business)cÖvB‡fU mvwf©m g¨v‡bRvwiqvj (Private Service Managerial) wk¶K (miKvix/ †emiKvix/ ¯^vqËkvwmZ wk¶v cÖwZôvb) Teacher (Government/ Private/ Selfgoverned Educational Institution)PvKzix (†emiKvix) Service (Private)¶z`ª e¨emvqx (evwl©K UvY©Ifvi 50 j¶ UvKvi bx‡P) Small businessman (Yearly turn over less than 50 lac Taka)¯^D‡`¨vMx †ckvRxex (Selfinitiated Proffessional) Kw¤úDUvi / †gvevBj †dv‡bi wWjvi (Dealer of Computer / mobile Phone)Drcv`bKvix (A¯¿ e¨vZxZ) Producer (exept weapons)QvÎ (Student)PvKzix n‡Z AemiMÖnYKvix (Retired person)K…wlRxex/ kªgRxex/grmRxex (Farmer/ Labourer/ Fishermen) Ab¨vb¨ (mywbw`©ófv‡e D‡jøL Kiæb) Others (please mention specifically)

........................................................................................................................(PEP/IP/AvšÍR©vwZK ms¯’vi DaŸ©Zb Kg©KZ©v Gi †ÿ‡Î Aby‡gv`bKvix Da©Zb Kg©KZ©v)

Authorized Senior Officer, in case of PEP/IP/Senior official of any International Agency

20. wnmve I MÖvnK msµvšÍ Z_¨vw` me©‡kl ch©v‡jvPbv Ges nvjbvMv` Kivi ZvwiL (Latest date of review & update of information with regard to Account & customer): .............................................................................................................................................................................................

17. wnmve †Lvjvi aiY (Way of Account Opening)

18. MÖvn‡Ki AbywgZ gvwmK †jb‡`‡bi cwigvY (Amount of probable monthly transaction of the customer):

19. mvwe©K SuywK (µwgK 15 †_‡K 18 ch©šÍ-wi¯‹ †iwUs Gi †hvMdj) Comprehensive Risk (Summation of Risk Rating from SL No. 15 to 18):

(*wi¯‹ †iwUs 14 Gi Kg n‡jI Beneficial owner-Gi D”P SuywK we‡ePbvq wb‡q KviY D‡jøLc~e©K Subjective we‡ePbvq MÖvnK‡K D”P SuywK m¤úbœ wn‡m‡e wbiƒcY Kiv †h‡Z cv‡i|)

(A customer may be graded high risky based on high risk of beneficial owner as a subjective criterion, even though the score of the customer is less than 14)

ch©v‡jvPbv Ges nvjbvMv` Kvix Kg©KZ©v (bvghy³ mxjmn ¯^vÿi I ZvwiL)

Reviewing & Updating Officer (Seal with name, signature & date)

(bvghy³ mxjmn ¯^vÿi I ZvwiL)

(Seal with name, Signature & Date)

Page: 13 of 16

0-10 (0-10)

>10-20 (>10-20)

>20 (>20)

0-15 (0-15)

>16-25 (>16-25)

>25 (>25)

>0-5 (0-5)

>5-10 (>5-10)

>10 (>10)

0-10 (0-10)

11-20 (11-20)

>20 (>20)

ch©v‡jvPbvKvix I wbwðZKvix Kg©KZ©v

(kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v)

(bvghy³ mxjmn ¯^vÿi I ZvwiL)

g¨v‡bRvi Acv‡ikbm

(bvghy³ mxjmn ¯^vÿi I ZvwiL)

Manager OperationsSeal with Name, Signature & Date)

kvLv e¨e¯’vcK/kvLv cÖavb

(bvghy³ mxjmn ¯^vÿi I ZvwiL)

Verifying OfficerSeal with Name, Signature & Date)

Branch Incumbent/ Head of BranchSeal with Name, Signature & Date)

cÖ¯‘ZKvix

(wnmve †Lvjvi Kg©KZ©v)

(bvghy³ mxjmn ¯^vÿi I ZvwiL)

Preparing OfficerSeal with Name, Signature & Date)

GwU wnmveavix MÖvnK Ges Bmjvgx e¨vsK evsjv‡`k wjwg‡U‡Wi g‡a¨ m¤úvw`Z Bmjvgx kixqvn wfwËK GKwU Avj-Iqv`xqvn Pzw³ (This is an Al-Wadeeah contract based on Islamic Shariah accomplished between the account holder and Islami Bank Bangladesh Limited)

MÖvnK Zvi wnmv‡e A_© Rgv Ki‡e| e¨vsK RgvK…Z A‡_©i wbivc` †ndvRZ Ki‡e Ges MÖvn‡Ki PvwnevgvÎ RgvK…Z A_© AvswkK ev m¤ú~Y© †diZ cÖ`v‡b eva¨

_vK‡e| The customer will deposit fund in the account. Bank will secure the deposited fund and will be obliged to repay the same partially or fully as and when required by the cutomer.

Avj-Iqv`xqvn bxwZgvjvi wfwˇZ e¨vsK MÖvn‡Ki RgvK…Z A_© wewb‡qvM Ki‡Z cvi‡e Ges G wewb‡qvM n‡Z e¨vs‡Ki AwR©Z gybvdv ev †jvKmv‡b MÖvnK Askx`vi

n‡e bv| The Bank can invest the deposited fund as per Al-Wadiah principle and no profit or loss, thereof, be shared to the customer.

cÖ‡hvR¨ wbqgvejx (Applicable Rules)

wnmve cwiPvjbvi wbqgvejx (Rules for operation of Account)

kZ©vejx (Conditions)

K.

L.

M.

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Page: 14 of 16

e¨vsK †jb‡`b PjvKvjxb mg‡q GKvwaKevi A_© Rgv cÖ`vb I D‡Ëvjb Kiv hvq (Customer can deposit and withdraw money several times during the transaction period).

Avj-Iqv`xqvn PjwZ wnmve †Lvjvi Rb¨ b~¨bZg $1000/- cÖv_wgK Rgv w`‡Z nq Ges b~¨bZg w¯’wZ $1000/- mn cÖ‡hvR¨ nv‡i b~¨bZg miKvwi ï‡éi mgcwigvY

UvKvi w¯’wZ msi¶Y Ki‡Z n‡e| Ab¨_vq e¨vsK †PK †dir †`qvi AwaKvi msi¶Y K‡i (An applicant must deposit minimum Tk.1000 as an initial amount for opening of Al-Wadeeah Current Account, with this minimum balance of Tk.1000, the customer has to maintain an additional amount applicable as govt tax, other wise, the Bank reserves the right to return cheque.

e¨vsK KZ…©K Bmy¨K…Z Cheque/ATM Card/Online/i-Banking/SMS Gi gva¨‡g UvKv †Zvjv/¯’vbvšÍi Kiv hvq| ZvQvov Online /i-Banking/m-Cash Service/SMS Gi gva¨‡g wnmve msµvšÍ wewfbœ Z_¨ Rvbv hvq (Money can be withdrawn/transferred by cheque/ATM Card/i-Banking and Online/m-Cash issued by the Bank. Besides, the customer can get access to various information related to banking through the Online/i-Banking/m-cash service / SMS.

e¨vsK KZ…©K lvb¥vwmK wfwˇZ wnmve i¶bv‡e¶Y wd wnmve †_‡K weKjb K‡i| wnmve eÜ Kivi mgq e¨vs‡Ki wba©vwiZ wd (Closing Charge) $300/- UvKv

KZ©b Kiv nq (Bank realizes account maintaining charge on half yearly basis by debiting the account and Tk.300 is realized as closing charge at the time of closure of an account).

MÖvnK †PK eB‡qi Rb¨ wba©vwiZ dig Gi gva¨‡g Av‡e`b K‡i †PK eB msMÖn Ki‡Z cv‡ib (Customer can collect the cheque book applying through prescribed form).

†PK eB MÖnY Kivi mgq MÖvnK‡K †PK eB‡qi cvZv ¸‡Y wb‡Z nq Ges †PK eB wbivc` ¯’v‡b (wbR¯^ †ndvR‡Z) msi¶Y Ki‡Z nq †hb †Kvb †PK Gi cvZv

Pzwi/‡Lvqv ev Ace¨envi bv nq| Pzwi ev †Lvqv hvIqv †Kvb †P‡Ki gva¨‡g RvwjqvwZ msNwUZ n‡j e¨vsK `vqx _vK‡e bv (Customer will count pages of cheque book at the time of its receiving and the same should be preserved in secured place(self custody) so that no page is stolen/lost or misused. Bank will not be responsible for any fraud or forgery committed by stolen or lost cheque).

wnmveaviK e¨vs‡K mieivnK…Z bgybv ¯^v¶i Abyhvqx †PK mwn Ki‡eb| bgybv ¯^v¶i cwieZ©b Ki‡Z n‡j Zv c~e©v‡ýB wjwLZfv‡e e¨vsK‡K AewnZ Ki‡Z n‡e|

e¨vs‡Ki mv‡_ †h †Kvb cÖKvi wjwLZ †hvMv‡hv‡Mi †¶‡Î bgybv ¯^v¶i e¨envi Ki‡Z n‡e (Customer will sign cheque as per his/her specimen signature provided to the Bank. Customer should inform the bank in written earlier if he/she wants to bring any change in specimen signature. Customer will use his specimen signature at the time of any written communication with the Bank).

cÖ‡Z¨K wnmveavvix‡K e¨vsK wfbœ wfbœ wnmve b¤^i mieivn K‡i| wnmve b¤^i I wnmv‡ei wk‡ivbvg D‡jøL K‡i RgvKvix‡K h_vh_ fv‡e Rgvi iwk` c~iY K‡i bM`

UvKv/‡PK BZ¨vw` Rgv w`‡q ïaygvÎ ¶gZvcÖvß e¨vsK Awdmv‡ii ¯^v¶i m¤^wjZ h_vh_ iwk` wb‡Z n‡e| †PK Rgv †`qvi mgq †P‡K AvovAvwo `vM †K‡U

(CROSSING) w`‡Z nq| msMÖ‡ni Rb¨ RgvK…Z †PK †diZ n‡j wbqg †gvZv‡eK e¨vsK Li‡Pi UvKv/Kwgkb eve` cÖwZ †P‡Ki Rb¨ wba©vwiZ wd KvUv nq (Bank will provide different account numbers to each of the account holder.Customer will receive the slip with the signature of authorized officer of the Bank at the time of depositing Cash/Cheque mentioning the number and title of the account. Cheque should be crossed at the time of depositing the same. Bank will realize commission/expense as per Bank rules when cheque is returned).

†PK cwi‡kva eÜ (Stop payment) ivLvi wb‡`©k e¨vsK mZK©Zvi mv‡_ bw_fz³ K‡i| wKš‘ fzjekZ D³ †P‡Ki UvKv cwi‡kvwaZ n‡j e¨vsK `vqx n‡e bv (Bank lodges the stop payment instruction carefully. Bank will not be responsible if the cheque is honored mistakenly).

my¯’ gw¯Í®‹ 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 [An adult person having sound mind or a group of people 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(s)].

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).

D³ wnmve †_‡K cÖ‡qvRbxq Li‡Pi UvKv/WvKgvïj/e¨vs‡Ki wbqgvbyhvqx lvb¥vwmK wfwˇZ wnmve cwiPvjbv wd Ges Ab¨vb¨ cÖ‡hvR¨ wd/PvR© KZ©b Kiv n‡e|

GQvov e¨vsK KZ©©„K miKvix wbqg Abyhvqx f¨vU, Ki ev ïé KZ©b Kiv n‡e (VAT/Tax or tariff and maintenance fees/postal charge as well as other charges/fees of the Bank will be realized on half yearly basis as per Govt. rules and rules of the Bank).

†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 Account. The customer himself will be responsible for payment of ‘Zakat’ from his/her Account).

e¨vsK †Kvbiƒc KviY `k©v‡bv e¨ZxZ †h †Kvb wnmve eÜ Ki‡Z cv‡i Ges G Rb¨ †Kvb †bvwUk cÖ`vb Kiv nq bv (Bank reserves the right to close any account without showing any reason or issuing any notice to the Account holder).

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‡`Š wewj bv n‡j e¨vsK `vqx _vK‡e bv| (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 not at all through postal/courier service).

MÖvn‡Ki wnmve e¨vsK mZK©Zvi mv‡_ AvKjb/weKjb K‡i| fzjekZ †Kvb A_© AvKwjZ/weKwjZ n‡j e¨vsK Zv ms‡kvab Ki‡Z cv‡i| (Bank debits/credits customer account carefully. Bank can adjust the wrongly debited/credited amount).

wnmveaviK Ae¨eüZ †PK eB †diZ w`‡q h_vh_ ¯^v¶ic~e©K Av‡e`b K‡i †h †Kvb mgq wnmve eÜ Ki‡Z cv‡ib| (Account holder can close his/her account through submitting an application duly signed in as well as returning unused cheque book and paying required fees for closing the Account)|

e¨w³MZ wnmveavix/wnmveavixMY KZ©„K Zuvi ev Zuv‡`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 mswkøó

wnmv‡ei RgvK…Z A_© D‡Ëvj‡bi Rb¨ bwgbx KZ©„K Zuvi/Zv‡`i Av‡e`b c‡Îi mv‡_ g‡bvbq‡bi ¯^c‡¶ cÖgvY ¯^iƒc wb¤œwjwLZ 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| (Individual Account holder 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).

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).

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 the nominee issued by two valued customers or two officials of the Bank or Chairman of Union Parishad/City Corporation or Municipality’s Ward Councilor).

bwgbxi cvm‡cvU© AvKv‡ii mZ¨vwqZ Qwe| (Attested passport size photograph of nominee).

bwgbx KZ©„K Bb‡WgwbwU eÛ cÖ`vb| (Indemnity Bond to be signed by the nominee).

†hŠ_ wnmv‡ei †¶‡Î hw` GKR‡bi g„Zy¨ nq Ges wnmvewU 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)| Z‡e †h †Kvb GKR‡bi g„Zz¨i mv‡_ mv‡_ mswkøó wnmvewU‡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 D³wnmve 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 the account holder. In that case, survivor as well as successor of the deceased person can withdraw the remaining balance through submission of a joint application along with succession certificate issued by Ward Councilor/Chairman of Union Parishad without any Court Order).

†hŠ_ wnmv‡ei †¶‡Î hw` GKR‡bi g„Zz¨ nq Ges wnmvewU we‡kl wb‡`©kbvq D‡jøL _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¨w³ mswkó wnmvewU cwiPvjbv Ki‡Z my‡hvM cv‡e Ges RxweZ e¨w³ B”Qv Ki‡j

Av`vj‡Zi wb‡`©k 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, the survivor can operate the account and can withdraw the remaining balance as he/she wishes).

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¬ó

wnmv‡e Mw”QZ A_© h_vixwZ mbv³KiY mv‡c‡¶ wbqgvbyhvqx D‡Ëvjb Ki‡Z cvi‡e| †m‡¶‡Î †KvU© KZ…©K cÖ`Ë mvK‡mkb mvwU©wd‡KU `vwLj Ki‡Z n‡e bv|

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 may be allowed to withdraw the remaining balance of the account as per rules ensuring proper identification. In this regard there is no need to submit succession certificate issued by the Court. 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).

e¨vsK †h †Kvb mgq e¨vsK wnmve msµvšÍ †h †Kvb wbqgvejx cwieZ©b, cwiea©b, ms‡kvab ev evwZj Ki‡Z cv‡i Ges wnmveavix Zv †g‡b Pj‡Z eva¨ _vK‡eb

(The Bank can change, add, amend or nullify any rules related to account and the account holder is obliged to abide by the instruction made by the Bank in this regard at any time).

1991 mv‡ji e¨vsK †Kv¤úvbx AvBbvbyhvqx 10 (`k) eQi I Z`yaŸ© †gqv` ch©šÍ †Kvb wnmv‡e †jb‡`b bv n‡j mswk¬ó wnmvewU A`vweK…Z (Unclaimed) wnmv‡e MY¨

K‡i D³ wnmv‡ei w¯’wZ evsjv‡`k e¨vs‡K ¯’vbvšÍi Kiv nq (If no transaction occurs in an account for 10 years or more , then 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 Bangladesh Bank).

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.

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e¨vsK †jb‡`b PjvKvjxb mg‡q GKvwaKevi A_© Rgv cÖ`vb I D‡Ëvjb Kiv hvq (Customer can deposit and withdraw money several times during the transaction period).

Avj-Iqv`xqvn PjwZ wnmve †Lvjvi Rb¨ b~¨bZg $1000/- cÖv_wgK Rgv w`‡Z nq Ges b~¨bZg w¯’wZ $1000/- mn cÖ‡hvR¨ nv‡i b~¨bZg miKvwi ï‡éi mgcwigvY

UvKvi w¯’wZ msi¶Y Ki‡Z n‡e| Ab¨_vq e¨vsK †PK †dir †`qvi AwaKvi msi¶Y K‡i (An applicant must deposit minimum Tk.1000 as an initial amount for opening of Al-Wadeeah Current Account, with this minimum balance of Tk.1000, the customer has to maintain an additional amount applicable as govt tax, other wise, the Bank reserves the right to return cheque.

e¨vsK KZ…©K Bmy¨K…Z Cheque/ATM Card/Online/i-Banking/SMS Gi gva¨‡g UvKv †Zvjv/¯’vbvšÍi Kiv hvq| ZvQvov Online /i-Banking/m-Cash Service/SMS Gi gva¨‡g wnmve msµvšÍ wewfbœ Z_¨ Rvbv hvq (Money can be withdrawn/transferred by cheque/ATM Card/i-Banking and Online/m-Cash issued by the Bank. Besides, the customer can get access to various information related to banking through the Online/i-Banking/m-cash service / SMS.

e¨vsK KZ…©K lvb¥vwmK wfwˇZ wnmve i¶bv‡e¶Y wd wnmve †_‡K weKjb K‡i| wnmve eÜ Kivi mgq e¨vs‡Ki wba©vwiZ wd (Closing Charge) $300/- UvKv

KZ©b Kiv nq (Bank realizes account maintaining charge on half yearly basis by debiting the account and Tk.300 is realized as closing charge at the time of closure of an account).

MÖvnK †PK eB‡qi Rb¨ wba©vwiZ dig Gi gva¨‡g Av‡e`b K‡i †PK eB msMÖn Ki‡Z cv‡ib (Customer can collect the cheque book applying through prescribed form).

†PK eB MÖnY Kivi mgq MÖvnK‡K †PK eB‡qi cvZv ¸‡Y wb‡Z nq Ges †PK eB wbivc` ¯’v‡b (wbR¯^ †ndvR‡Z) msi¶Y Ki‡Z nq †hb †Kvb †PK Gi cvZv

Pzwi/‡Lvqv ev Ace¨envi bv nq| Pzwi ev †Lvqv hvIqv †Kvb †P‡Ki gva¨‡g RvwjqvwZ msNwUZ n‡j e¨vsK `vqx _vK‡e bv (Customer will count pages of cheque book at the time of its receiving and the same should be preserved in secured place(self custody) so that no page is stolen/lost or misused. Bank will not be responsible for any fraud or forgery committed by stolen or lost cheque).

wnmveaviK e¨vs‡K mieivnK…Z bgybv ¯^v¶i Abyhvqx †PK mwn Ki‡eb| bgybv ¯^v¶i cwieZ©b Ki‡Z n‡j Zv c~e©v‡ýB wjwLZfv‡e e¨vsK‡K AewnZ Ki‡Z n‡e|

e¨vs‡Ki mv‡_ †h †Kvb cÖKvi wjwLZ †hvMv‡hv‡Mi †¶‡Î bgybv ¯^v¶i e¨envi Ki‡Z n‡e (Customer will sign cheque as per his/her specimen signature provided to the Bank. Customer should inform the bank in written earlier if he/she wants to bring any change in specimen signature. Customer will use his specimen signature at the time of any written communication with the Bank).

cÖ‡Z¨K wnmveavvix‡K e¨vsK wfbœ wfbœ wnmve b¤^i mieivn K‡i| wnmve b¤^i I wnmv‡ei wk‡ivbvg D‡jøL K‡i RgvKvix‡K h_vh_ fv‡e Rgvi iwk` c~iY K‡i bM`

UvKv/‡PK BZ¨vw` Rgv w`‡q ïaygvÎ ¶gZvcÖvß e¨vsK Awdmv‡ii ¯^v¶i m¤^wjZ h_vh_ iwk` wb‡Z n‡e| †PK Rgv †`qvi mgq †P‡K AvovAvwo `vM †K‡U

(CROSSING) w`‡Z nq| msMÖ‡ni Rb¨ RgvK…Z †PK †diZ n‡j wbqg †gvZv‡eK e¨vsK Li‡Pi UvKv/Kwgkb eve` cÖwZ †P‡Ki Rb¨ wba©vwiZ wd KvUv nq (Bank will provide different account numbers to each of the account holder.Customer will receive the slip with the signature of authorized officer of the Bank at the time of depositing Cash/Cheque mentioning the number and title of the account. Cheque should be crossed at the time of depositing the same. Bank will realize commission/expense as per Bank rules when cheque is returned).

†PK cwi‡kva eÜ (Stop payment) ivLvi wb‡`©k e¨vsK mZK©Zvi mv‡_ bw_fz³ K‡i| wKš‘ fzjekZ D³ †P‡Ki UvKv cwi‡kvwaZ n‡j e¨vsK `vqx n‡e bv (Bank lodges the stop payment instruction carefully. Bank will not be responsible if the cheque is honored mistakenly).

my¯’ gw¯Í®‹ 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 [An adult person having sound mind or a group of people 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(s)].

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).

D³ wnmve †_‡K cÖ‡qvRbxq Li‡Pi UvKv/WvKgvïj/e¨vs‡Ki wbqgvbyhvqx lvb¥vwmK wfwˇZ wnmve cwiPvjbv wd Ges Ab¨vb¨ cÖ‡hvR¨ wd/PvR© KZ©b Kiv n‡e|

GQvov e¨vsK KZ©©„K miKvix wbqg Abyhvqx f¨vU, Ki ev ïé KZ©b Kiv n‡e (VAT/Tax or tariff and maintenance fees/postal charge as well as other charges/fees of the Bank will be realized on half yearly basis as per Govt. rules and rules of the Bank).

†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 Account. The customer himself will be responsible for payment of ‘Zakat’ from his/her Account).

e¨vsK †Kvbiƒc KviY `k©v‡bv e¨ZxZ †h †Kvb wnmve eÜ Ki‡Z cv‡i Ges G Rb¨ †Kvb †bvwUk cÖ`vb Kiv nq bv (Bank reserves the right to close any account without showing any reason or issuing any notice to the Account holder).

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‡`Š wewj bv n‡j e¨vsK `vqx _vK‡e bv| (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 not at all through postal/courier service).

MÖvn‡Ki wnmve e¨vsK mZK©Zvi mv‡_ AvKjb/weKjb K‡i| fzjekZ †Kvb A_© AvKwjZ/weKwjZ n‡j e¨vsK Zv ms‡kvab Ki‡Z cv‡i| (Bank debits/credits customer account carefully. Bank can adjust the wrongly debited/credited amount).

wnmveaviK Ae¨eüZ †PK eB †diZ w`‡q h_vh_ ¯^v¶ic~e©K Av‡e`b K‡i †h †Kvb mgq wnmve eÜ Ki‡Z cv‡ib| (Account holder can close his/her account through submitting an application duly signed in as well as returning unused cheque book and paying required fees for closing the Account)|

e¨w³MZ wnmveavix/wnmveavixMY KZ©„K Zuvi ev Zuv‡`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 mswkøó

wnmv‡ei RgvK…Z A_© D‡Ëvj‡bi Rb¨ bwgbx KZ©„K Zuvi/Zv‡`i Av‡e`b c‡Îi mv‡_ g‡bvbq‡bi ¯^c‡¶ cÖgvY ¯^iƒc wb¤œwjwLZ 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| (Individual Account holder 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).

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).

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 the nominee issued by two valued customers or two officials of the Bank or Chairman of Union Parishad/City Corporation or Municipality’s Ward Councilor).

bwgbxi cvm‡cvU© AvKv‡ii mZ¨vwqZ Qwe| (Attested passport size photograph of nominee).

bwgbx KZ©„K Bb‡WgwbwU eÛ cÖ`vb| (Indemnity Bond to be signed by the nominee).

†hŠ_ wnmv‡ei †¶‡Î hw` GKR‡bi g„Zy¨ nq Ges wnmvewU 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)| Z‡e †h †Kvb GKR‡bi g„Zz¨i mv‡_ mv‡_ mswkøó wnmvewU‡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 D³wnmve 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 the account holder. In that case, survivor as well as successor of the deceased person can withdraw the remaining balance through submission of a joint application along with succession certificate issued by Ward Councilor/Chairman of Union Parishad without any Court Order).

†hŠ_ wnmv‡ei †¶‡Î hw` GKR‡bi g„Zz¨ nq Ges wnmvewU we‡kl wb‡`©kbvq D‡jøL _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¨w³ mswkó wnmvewU cwiPvjbv Ki‡Z my‡hvM cv‡e Ges RxweZ e¨w³ B”Qv Ki‡j

Av`vj‡Zi wb‡`©k 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, the survivor can operate the account and can withdraw the remaining balance as he/she wishes).

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¬ó

wnmv‡e Mw”QZ A_© h_vixwZ mbv³KiY mv‡c‡¶ wbqgvbyhvqx D‡Ëvjb Ki‡Z cvi‡e| †m‡¶‡Î †KvU© KZ…©K cÖ`Ë mvK‡mkb mvwU©wd‡KU `vwLj Ki‡Z n‡e bv|

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 may be allowed to withdraw the remaining balance of the account as per rules ensuring proper identification. In this regard there is no need to submit succession certificate issued by the Court. 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).

e¨vsK †h †Kvb mgq e¨vsK wnmve msµvšÍ †h †Kvb wbqgvejx cwieZ©b, cwiea©b, ms‡kvab ev evwZj Ki‡Z cv‡i Ges wnmveavix Zv †g‡b Pj‡Z eva¨ _vK‡eb

(The Bank can change, add, amend or nullify any rules related to account and the account holder is obliged to abide by the instruction made by the Bank in this regard at any time).

1991 mv‡ji e¨vsK †Kv¤úvbx AvBbvbyhvqx 10 (`k) eQi I Z`yaŸ© †gqv` ch©šÍ †Kvb wnmv‡e †jb‡`b bv n‡j mswk¬ó wnmvewU A`vweK…Z (Unclaimed) wnmv‡e MY¨

K‡i D³ wnmv‡ei w¯’wZ evsjv‡`k e¨vs‡K ¯’vbvšÍi Kiv nq (If no transaction occurs in an account for 10 years or more , then 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 Bangladesh Bank).

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.

cÖvwß ¯^xKvi cÎ (Acknowledgement Receipt)

cÖ`vbK…Z `wjjv`xi ZvwjKv (List of documents provided)

e¨vsK †jb‡`b PjvKvjxb mg‡q GKvwaKevi A_© Rgv cÖ`vb I D‡Ëvjb Kiv hvq (Customer can deposit and withdraw money several times during the transaction period).

Avj-Iqv`xqvn PjwZ wnmve †Lvjvi Rb¨ b~¨bZg $1000/- cÖv_wgK Rgv w`‡Z nq Ges b~¨bZg w¯’wZ $1000/- mn cÖ‡hvR¨ nv‡i b~¨bZg miKvwi ï‡éi mgcwigvY

UvKvi w¯’wZ msi¶Y Ki‡Z n‡e| Ab¨_vq e¨vsK †PK †dir †`qvi AwaKvi msi¶Y K‡i (An applicant must deposit minimum Tk.1000 as an initial amount for opening of Al-Wadeeah Current Account, with this minimum balance of Tk.1000, the customer has to maintain an additional amount applicable as govt tax, other wise, the Bank reserves the right to return cheque.

e¨vsK KZ…©K Bmy¨K…Z Cheque/ATM Card/Online/i-Banking/SMS Gi gva¨‡g UvKv †Zvjv/¯’vbvšÍi Kiv hvq| ZvQvov Online /i-Banking/m-Cash Service/SMS Gi gva¨‡g wnmve msµvšÍ wewfbœ Z_¨ Rvbv hvq (Money can be withdrawn/transferred by cheque/ATM Card/i-Banking and Online/m-Cash issued by the Bank. Besides, the customer can get access to various information related to banking through the Online/i-Banking/m-cash service / SMS.

e¨vsK KZ…©K lvb¥vwmK wfwˇZ wnmve i¶bv‡e¶Y wd wnmve †_‡K weKjb K‡i| wnmve eÜ Kivi mgq e¨vs‡Ki wba©vwiZ wd (Closing Charge) $300/- UvKv

KZ©b Kiv nq (Bank realizes account maintaining charge on half yearly basis by debiting the account and Tk.300 is realized as closing charge at the time of closure of an account).

MÖvnK †PK eB‡qi Rb¨ wba©vwiZ dig Gi gva¨‡g Av‡e`b K‡i †PK eB msMÖn Ki‡Z cv‡ib (Customer can collect the cheque book applying through prescribed form).

†PK eB MÖnY Kivi mgq MÖvnK‡K †PK eB‡qi cvZv ¸‡Y wb‡Z nq Ges †PK eB wbivc` ¯’v‡b (wbR¯^ †ndvR‡Z) msi¶Y Ki‡Z nq †hb †Kvb †PK Gi cvZv

Pzwi/‡Lvqv ev Ace¨envi bv nq| Pzwi ev †Lvqv hvIqv †Kvb †P‡Ki gva¨‡g RvwjqvwZ msNwUZ n‡j e¨vsK `vqx _vK‡e bv (Customer will count pages of cheque book at the time of its receiving and the same should be preserved in secured place(self custody) so that no page is stolen/lost or misused. Bank will not be responsible for any fraud or forgery committed by stolen or lost cheque).

wnmveaviK e¨vs‡K mieivnK…Z bgybv ¯^v¶i Abyhvqx †PK mwn Ki‡eb| bgybv ¯^v¶i cwieZ©b Ki‡Z n‡j Zv c~e©v‡ýB wjwLZfv‡e e¨vsK‡K AewnZ Ki‡Z n‡e|

e¨vs‡Ki mv‡_ †h †Kvb cÖKvi wjwLZ †hvMv‡hv‡Mi †¶‡Î bgybv ¯^v¶i e¨envi Ki‡Z n‡e (Customer will sign cheque as per his/her specimen signature provided to the Bank. Customer should inform the bank in written earlier if he/she wants to bring any change in specimen signature. Customer will use his specimen signature at the time of any written communication with the Bank).

cÖ‡Z¨K wnmveavvix‡K e¨vsK wfbœ wfbœ wnmve b¤^i mieivn K‡i| wnmve b¤^i I wnmv‡ei wk‡ivbvg D‡jøL K‡i RgvKvix‡K h_vh_ fv‡e Rgvi iwk` c~iY K‡i bM`

UvKv/‡PK BZ¨vw` Rgv w`‡q ïaygvÎ ¶gZvcÖvß e¨vsK Awdmv‡ii ¯^v¶i m¤^wjZ h_vh_ iwk` wb‡Z n‡e| †PK Rgv †`qvi mgq †P‡K AvovAvwo `vM †K‡U

(CROSSING) w`‡Z nq| msMÖ‡ni Rb¨ RgvK…Z †PK †diZ n‡j wbqg †gvZv‡eK e¨vsK Li‡Pi UvKv/Kwgkb eve` cÖwZ †P‡Ki Rb¨ wba©vwiZ wd KvUv nq (Bank will provide different account numbers to each of the account holder.Customer will receive the slip with the signature of authorized officer of the Bank at the time of depositing Cash/Cheque mentioning the number and title of the account. Cheque should be crossed at the time of depositing the same. Bank will realize commission/expense as per Bank rules when cheque is returned).

†PK cwi‡kva eÜ (Stop payment) ivLvi wb‡`©k e¨vsK mZK©Zvi mv‡_ bw_fz³ K‡i| wKš‘ fzjekZ D³ †P‡Ki UvKv cwi‡kvwaZ n‡j e¨vsK `vqx n‡e bv (Bank lodges the stop payment instruction carefully. Bank will not be responsible if the cheque is honored mistakenly).

my¯’ gw¯Í®‹ 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 [An adult person having sound mind or a group of people 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(s)].

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).

D³ wnmve †_‡K cÖ‡qvRbxq Li‡Pi UvKv/WvKgvïj/e¨vs‡Ki wbqgvbyhvqx lvb¥vwmK wfwˇZ wnmve cwiPvjbv wd Ges Ab¨vb¨ cÖ‡hvR¨ wd/PvR© KZ©b Kiv n‡e|

GQvov e¨vsK KZ©©„K miKvix wbqg Abyhvqx f¨vU, Ki ev ïé KZ©b Kiv n‡e (VAT/Tax or tariff and maintenance fees/postal charge as well as other charges/fees of the Bank will be realized on half yearly basis as per Govt. rules and rules of the Bank).

†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 Account. The customer himself will be responsible for payment of ‘Zakat’ from his/her Account).

e¨vsK †Kvbiƒc KviY `k©v‡bv e¨ZxZ †h †Kvb wnmve eÜ Ki‡Z cv‡i Ges G Rb¨ †Kvb †bvwUk cÖ`vb Kiv nq bv (Bank reserves the right to close any account without showing any reason or issuing any notice to the Account holder).

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‡`Š wewj bv n‡j e¨vsK `vqx _vK‡e bv| (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 not at all through postal/courier service).

MÖvn‡Ki wnmve e¨vsK mZK©Zvi mv‡_ AvKjb/weKjb K‡i| fzjekZ †Kvb A_© AvKwjZ/weKwjZ n‡j e¨vsK Zv ms‡kvab Ki‡Z cv‡i| (Bank debits/credits customer account carefully. Bank can adjust the wrongly debited/credited amount).

wnmveaviK Ae¨eüZ †PK eB †diZ w`‡q h_vh_ ¯^v¶ic~e©K Av‡e`b K‡i †h †Kvb mgq wnmve eÜ Ki‡Z cv‡ib| (Account holder can close his/her account through submitting an application duly signed in as well as returning unused cheque book and paying required fees for closing the Account)|

e¨w³MZ wnmveavix/wnmveavixMY KZ©„K Zuvi ev Zuv‡`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 mswkøó

wnmv‡ei RgvK…Z A_© D‡Ëvj‡bi Rb¨ bwgbx KZ©„K Zuvi/Zv‡`i Av‡e`b c‡Îi mv‡_ g‡bvbq‡bi ¯^c‡¶ cÖgvY ¯^iƒc wb¤œwjwLZ 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| (Individual Account holder 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).

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).

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 the nominee issued by two valued customers or two officials of the Bank or Chairman of Union Parishad/City Corporation or Municipality’s Ward Councilor).

bwgbxi cvm‡cvU© AvKv‡ii mZ¨vwqZ Qwe| (Attested passport size photograph of nominee).

bwgbx KZ©„K Bb‡WgwbwU eÛ cÖ`vb| (Indemnity Bond to be signed by the nominee).

†hŠ_ wnmv‡ei †¶‡Î hw` GKR‡bi g„Zy¨ nq Ges wnmvewU 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)| Z‡e †h †Kvb GKR‡bi g„Zz¨i mv‡_ mv‡_ mswkøó wnmvewU‡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 D³wnmve 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 the account holder. In that case, survivor as well as successor of the deceased person can withdraw the remaining balance through submission of a joint application along with succession certificate issued by Ward Councilor/Chairman of Union Parishad without any Court Order).

†hŠ_ wnmv‡ei †¶‡Î hw` GKR‡bi g„Zz¨ nq Ges wnmvewU we‡kl wb‡`©kbvq D‡jøL _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¨w³ mswkó wnmvewU cwiPvjbv Ki‡Z my‡hvM cv‡e Ges RxweZ e¨w³ B”Qv Ki‡j

Av`vj‡Zi wb‡`©k 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, the survivor can operate the account and can withdraw the remaining balance as he/she wishes).

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¬ó

wnmv‡e Mw”QZ A_© h_vixwZ mbv³KiY mv‡c‡¶ wbqgvbyhvqx D‡Ëvjb Ki‡Z cvi‡e| †m‡¶‡Î †KvU© KZ…©K cÖ`Ë mvK‡mkb mvwU©wd‡KU `vwLj Ki‡Z n‡e bv|

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 may be allowed to withdraw the remaining balance of the account as per rules ensuring proper identification. In this regard there is no need to submit succession certificate issued by the Court. 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).

e¨vsK †h †Kvb mgq e¨vsK wnmve msµvšÍ †h †Kvb wbqgvejx cwieZ©b, cwiea©b, ms‡kvab ev evwZj Ki‡Z cv‡i Ges wnmveavix Zv †g‡b Pj‡Z eva¨ _vK‡eb

(The Bank can change, add, amend or nullify any rules related to account and the account holder is obliged to abide by the instruction made by the Bank in this regard at any time).

1991 mv‡ji e¨vsK †Kv¤úvbx AvBbvbyhvqx 10 (`k) eQi I Z`yaŸ© †gqv` ch©šÍ †Kvb wnmv‡e †jb‡`b bv n‡j mswk¬ó wnmvewU A`vweK…Z (Unclaimed) wnmv‡e MY¨

K‡i D³ wnmv‡ei w¯’wZ evsjv‡`k e¨vs‡K ¯’vbvšÍi Kiv nq (If no transaction occurs in an account for 10 years or more , then 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 Bangladesh Bank).

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.

22.

MÖvn‡Ki bvg (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 bvg (Name of Bank’s Official)................................................................................................ kvLvi bvg (Branch name)..........................................

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