Overview of Southeast Bank LimitedSoutheast Bank Limited is a scheduled commercial bank in the private sector established under the ambit of Bank Company Act, 1991 and incorporated as a Public Limited Company under Companies Act, 1994 on March 12, 1995. The Bank started commercial banking operations on May 25, 1995. During this short span of time the Bank is successful in positioning itself as a progressive and dynamic financial institution in the country. The bank had been widely acclaimed by the business community, from small entrepreneurs to large traders and industrial conglomerates, including the top-rated corporate borrowers for its forward looking business outlook and innovative financial solutions. Thus within this very short period of time it has been able to create an image and earn significant reputation in the countrys banking sector as a Bank with Vision. Presently, it has 41 branches.

Southeast Bank Limited has been licensed by the Government of Bangladesh as a Scheduled commercial bank in the private sector in pursuance of the policy of liberalization of banking and financial services and facilities in Bangladesh. In view of the above, the Bank within a period of 10 years of its operation achieved a remarkable success and met up capital adequacy requirement of Bangladesh Bank. It has been growing fast as one of the leaders of the new generation banks in the private sector in respect of business and profitability as it is evident from the financial statements for the last 10 years.

Southeast Bank Limited emerged as a new commercial bank to provide efficient banking services and to contribute socio-economic development of the country. . Southeast Bank Limited(SEBL) was established on 17th April, 1995 with an Authorized Capital of Tk. 1000 Million and Paid up Capital of Tk. 100 Million (raised to Tk. 200 Million in 1997) by a group of highly successful entrepreneurs from various fields of economic activities such as shipping, oil, finance, garments, textiles and insurance etc. It is a full licensed scheduled Commercial Bank set up in the private sector in pursuance of the policy of the Government to liberalize Banking & Financial services.

The Chairman of the Bank, Mr. Md. Nader Khan is a renowned business elite of Chittagong. He is also the Chairman of Drum Kulshi Girls High School, Fatikchari, Chittagong and Vice-President of the Governing Body of CIDER International School and also a member of the CIDER Trust. He has also been elected as Vice-District Governor of Lion District 315 B4 for the year 1999-2000.

The former Government of the Bangladesh Bank Mr. Lutfar Rahman Sarkar was the first Managing Director of the Bank. The Bank is being managed by highly professional people having wide experience in domestic and international Banking.

The present Managing Director Mr. Kazi Abdul Mazid has long experience in domestic and international Banking. The Bank has made significant process within a very short time due to its very competent Board of Directors, dynamic management and introduction of various customer friendly deposit and loan products. The Authorized Capital of the Bank is Tk. 3000 million and the Paid -up Capital is Tk. 1199.12 million.

The Bank provides a broad range of financial services to its customers and corporate clients. The Board of Directors consists of eminent personalities from the realm of commerce and industries of the country.

The Bank is manned and managed by qualified and efficient professionals. The name of the honorable chairman is Md. Abdul jalil, Mr. Shah Md. Nurul Alam is the Managing Director and CEO of the bank. He brings with him a wealth of experience of managing private sector banks in the country.

The Bank is not depending only on interest earnings; rather it strives hard to go for fee-based income from non-fund activities of the bank. This type of business include capital market operations like underwriting, portfolio management, mutual fund management, investors account as well as commission based business like Letter Of Guarantee, Inland remittance, Foreign remittance etc. These businesses usually do not involve Banks fund, but on the contrary, offer immense opportunity and scope to expand bank services to the members of public at large. The head office of the Bank is situated at 61, Dilkusha Commercial Area, Dhaka 1000.

Board of Directors:List of Directors:

01 Mr. Alamgir Kabir, FCA.226, Dilu Road, New Eskaton.Dhaka. Chairman

02 Mr. Ragib Ali House No.06, Road No.76, Gulshan Dhaka-1212 Vice Chairman

03 Mr. M. A. Kashem 73/C, Gulshan Avenue, Gulshan Dhaka-1212 Director

04 Mr. Azim Uddin Ahmed 14, Topkhana Road, Segun Bagicha Dhaka-1000 Director

05 Mrs. Jusna Ara Kashem 73/C, Gulshan Avenue, Gulshan Dhaka-1212 Director

06 Mrs. Duluma Ahmed 14, Topkhana Road, Segun Bagicha Dhaka-1000 Director

07 Mr. Md. Akikur Rahman Sonarpara, Nobarun-227 Sylhet Director

08 Mrs. Sirat Monira 226, Dilu Road (Ground Floor) New Eskaton, Dhaka. Director

09 M/S Karnafuli Tea Co. Ltd Represented by Mr. Abdul Hye 67, Motijheel C/A Dhaka-1000 Director

10 Dr. Zaidi Sattar House No.41, Road No.35A Gulshan, Dhaka-1212 Director

11 Mr. A. H. M. Moazzem Hossain Apartment #A-16, Building #3, Ramna Estate Complex Bara Moghbazar, Dhaka-1217 Director

12 Mr. Shahid Hossain Southeast Bank Limited Head Office, 52-53 Dilkusha C/A Dhaka-1000 Managing Director

Mission: Will become most caring, focused for equitable growth based on diversified development of resources, and nevertheless would remain healthy and gainfully profitable Bank.

Objectives:

Strategic objectives To achieve positive Economic Value Added (EVA) each year. To be market leader in product innovation. To be one of the top three Financial Institutions in Bangladesh in terms of cost efficiency. To be one of the top five Financial Institutions in Bangladesh in terms of market share in all significant market segments we serve.

Financial objectivesTo achieve a return on shareholders equity of 20% or more, on average.Core values: For the customers: Providing with caring services by being innovative in the development of new banking products and services. For the shareholders: Maximizing wealth of the Bank. For the employees: Respecting worth and dignity of individual employees devoting their energies for the progress of the Bank. For the community: Strengthening the corporate values and taking environment and social risks and reward into account. New technology: Adopting the state-of-art technology in banking operations.

Corporate Information (Southeast Bank limited) At a Glance:

(Information as per last Annual Report 2012)

Name of the bank: Southeast Bank Limited

Status: Private Limited Company

Date of Incorporation: 2nd June, 1999

Head Office: 61, Dilkusha Commercial Area Dhaka-1000

Chairman: Md. Abdul Jalil

Managing Director: Mr. Shah Md. Nurul Alam

Authorized Capital: Tk. 3000 million

Paid up Capital: Tk. 1199.12 million.

Director: 18

Number of Branches: 34

Proposed Branches (2006): 3

Deposits: 28319.21

Investment: 26046.34

Number of Employees: 1204 (Approx.)

Different Wings of Southeast Bank Limited

Head Office Chairmans Secretariat Managing Directors Secretariat Board Department Share Department MIS & Computer Department Human Resources Division Personnel Department Training Institute Establishment Department Stationary & Records Department Transport Department Test Key Department Disciplinary Department Marketing Division Business Development Department Branches Department Engineering Department Public Relations Department Credit Division Credit Operation Department Recovery Department Lease Financing Unit Consumer Investigation Bureau (C I B Unit) Central Accounts Division Accounts Department Statistics Department Reconciliation Department Expenditure Control Department Audit and Inspection Division Internal Audit Department External Audit Department International Division Treasury Department Dealing Room

Hierarchy of Position Structure of Southeast Bank Ltd. Managing Director Additional Managing Director Deputy Managing Director Senior Executive Vice President Executive Vice President Senior Vice President Vice President Senior Assistant Vice President Assistant Vice President Senior Principal Officer Principal Officer Executive Officer Junior Officer Assistant Officer

GENERAL BANKING:THE BANKER-CUSTOMER RELATIONSHIP:

The Banker-Customer relationship is essentially a debtor-creditor contractual relationship. This relationship may be divided into two categories: Legal relationship & Behavioral relationshipafter the contractual relationship is established between the banker and customer, they have to avoid by some implied conditions of the contract as well as practices of the bank.Some of the conditions and practices are as follows: Customer is to use cheque books while demanding payment from his account. Customer should keep cheque books in his safe custody. Customer must inform the bank on time for any loss of cheque leaf or cheque books. Customer while depositing money or presenting cheque, they must do that during business hour of the bank.Banker also should give necessary banking advice and help the customer in various banking activities.

Rights of the Customer and Bank

Rights of a customer Duties & obligations of a bank Right to deposit money in his A/C on time must credit the deposited amount to the customers A/C. Right to demand repayment by issuing cheque or written order properly in proper time and place must honor cheque if otherwise in order Right to get pass book/statement of A/C Must supply pass book/statement of A/C as demanded Right to stop payment on his cheque Must abide by the stop payment order Right to give standing instructions Must abide by the instructions Right to claim interest of his deposit balance in the interest bearing account Must pay/credit interest as per rule Right to have secrecy of his account must maintain secrecy of customers A/C if the bankers not bound to disclose it under certain conditions Right to claim damages of any loss and for defamation due to wrongful/willful dishonor of cheque by the bank must compensate the loss Right to demand the proceeds of the instrument deposited for collection and collected accordingly must collect the proceeds of the instrument in customers A/C and honor the cheque drown against the amount Right to claim money paid by bank from his A/C wrongly or payment is not made in due courses. Payment should be made in due courses in good faith and without negligence Right to return deposit if not in proper manner and time must deposit the amount properly and in time. Right to return the cheque if not drown properly or in time or for some other reason Must demand payment by issuing cheque or written order properly

Termination of Banker-Customer Relationship:The legal relation between banker and customer may be terminated with a notice given by both of them with a view to close the account. Besides, there are some reasons for termination of legal relationship. Some of these are stated below: After the death of customer When a customer declared insolvent by the court When a customer become lunatic etc.

Forms of Deposit, Opening and Operation of Deposit Accounts and their legal Aspects:The relationship between the banker and the customer begins with the opening of an account by the customer. Initially all the accounts are opened with a deposit money by the customer and hence these accounts are called deposit account. Actually in our country the bank deposits take three different forms: Current or Demand Deposit Savings Deposit Fixed or Time Deposit

Current or Demand Deposit:Current account is purely a demand deposit account. It is a running and active account, which may be operated upon any number and the amount of withdrawal from a current account. It is noted that the bank does not provide any interest on current account. The special characteristic of a current account are as follows: The primary objective of current account is to save big customers as big businessman, joint stock companies, private limited companies, public limited companies etc. from the risk of handling cash themselves. The cost of providing current account facilities is considerable to the bank since they undertake to make payments and collects the bills, drafts, cheques for any number of times daily. The bank therefore does not pay interest on current deposit while on the other hand some banks charge for incidental charges on such account. For opening of a current account minimum deposit of Taka 1000/= is required. Introductory reference is also required for opening of such account.

DOCUMENTATION:

PROPRIETORSHIP: Trade License Photograph PARTNERRSHIP; Trade License Photograph Partnership Deed

PRIVATE LIMITED: Trade License Photograph of Directors Certified copy of Memorandum and Articles of Association Certificate of incorporation List of Directors as per return of joint stock company with signatureResolution for opening account with the bank

PUBLIC LIMITED: Trade License Photograph of Directors Certified copy of Memorandum and Articles of Association Certificate of incorporation Certificate of commencement of business List of Directors as per return of joint stock Company with signature Resolution for opening account with the bank.

FORMALITIES:Application on the prescribed form:

The person desiring to open a current account with the bank has to make application in the prescribed form. This form must be properly filled up and signed by the applicants.

Introduction of the application The applicant also required to furnish in the application form the names of the referees from whom the banker may make inquiries regarding the character, integrity and respectability of the applicants. In most cases the introduction is done by the customer of the bank of some other person known to the bank by signing on the application form with his/her account number (if any). Specimen Signature Every customer is required to supply to the bank with one or more specimens of his/her signature. These signatures are taken on cards, which are preserved by the bank, and the signature of the account holder on the cheques is compared with the specimen signature.

Mandate for operation of the account by an agent In case a customer desires to get his/her account operated upon by another person then the bank will obtain a mandate in writing to that effects as well as the specimen signature of the person in whose favor the mandate is given.

Opening and operating the account

After the above formalities are over, the banker opens an account in the name of applicant. Generally the minimum amount to be deposited initially is Taka 1000.00 for opening a current account. Then the bank provides the customer with:

A Pay-in-Slip/Deposit Book: With a view to facilitate the receipt of credit items paid in by a customer, the bank will provide him/her pay-in-slip either loose or in a book forms. The customer has to fill up the pay-in-slip at the time of depositing the money to the bank. The cashier with his/her initials and stamps will return the counterfoil to the customer on the receipt of the money.

Cheque book: To facilitate withdrawals and payment to third parties by the customer, the bank will also provide a Chequebook to the customer. But it is noted that to get a Chequebook, the customer has to dully fill up the cheque requisition slip to the banker.

SAVINGS ACCOUNT (SB)Savings Bank (SB) Account is designed for individual savers who want to save a small part of their income which may be used in the near future and also intend to have some profitable returns on such savings. They can deposit a small amount and can withdraw whenever they desire but the total numbers of withdrawals over a period of time are limited.

Features and Benefits:

Bank pays attractive interest. Personalized MICR Cheque Book is available. Nominal service charge. Any branch banking facility (Cash withdrawal and deposit from any branch). Bank accepts Standing Instructions from A/C holders. Nomination facility is available to nominate beneficiary for account proceeds. Interest is payable on half yearly basis. Charge free statement of A/C, Balance Confirmation Certificate twice in a year on half yearly basis. Option is available to collect e - Statement on monthly basis.Eligibility Age: 18 years or above. Single/Joint account can be opened. Minor account can be opened under the supervision of his / her / their guardian.

RequirementsApplicants must satisfy the following documentation requirements for Personal Banking: Photocopy of Citizenship Certificate / Passport / National I.D. Card / Driving License; Two copies of recent passport size photograph duly attested by the introducer. The account requires an introduction by an existing account holder with satisfactory transaction records in Southeast Bank Limited. Tin Certificate. Proof of communication address: Photocopy of an Electricity Bill / Gas Bill / Wasa Bill / Telephone Bill. Initial deposit of Tk 2,000/- for urban clients and Tk 1,000/- for rural clients. Nominee form and photograph of nominee(s) (signature attested by the account holder). In case of minor nominee, copy of the birth certificate and photograph required; Personal Information Form. Transaction Profile. KYC Form. Account Opening Form to be duly filled in and signed by A/C holder and to be authenticated by Banks authorized officials.

Rate of Interest & Fees Rate of Interest: Currently 6.00% (below Tk 1.00 lac), 6.50% (Tk 1.00 lac and above) which is subject to change from time to time. Fees and Charges: As per existing schedule of charges which is separately displayed/shown on the web site.

Current Deposit (CD) AccountCurrent Deposit (CD) Account is a transactional account where there is no restriction on number of transactions in the account. Current Deposit (CD) Account can be opened for individuals and business concerns including non-profit organizations.

Features and Benefits: Unlimited transactions (both deposit and withdrawals) are allowed. Personalized MICR Cheque Book is available. No withdrawal notification required. Nominal service charge. Any branch banking facility (Cash withdrawal and deposit from any branch). Bank accepts Standing Instructions from A/C holders. Nomination facility is available to nominate beneficiary for account proceeds. Charge free statement of A/C, Balance Confirmation Certificate twice in a year on half yearly basis. Option is available to collect e - Statement on monthly basis.Eligibility: CD Account can be opened both for Individuals and Firms/Corporate/ Autonomous Bodies etc. CD Account can be opened both for resident and non - resident Bangladeshi Nationals. Age bar for Personal CD Account: 18 years or above. Single/Joint account can be opened. Minor account can be opened under the supervision of his / her / their guardian. Account can be opened in the name of Trust / Club / Association / Societies / Non - Trading Concerns.

Requirements:

Applicants must satisfy the following documentation requirements:Personal Banking:For resident of Bangladesh: Photocopy of Citizenship Certificate / Passport / National I.D. Card / Driving License. Two copies of recent passport size photograph duly attested by the introducer. Certified document(s) for source of income. Tin Certificate. Proof of communication address: Photocopy of an Electricity Bill / Gas Bill / Wasa Bill / Telephone Bill. The account requires an introduction by an existing and satisfactory account holder of Southeast Bank Limited. Initial deposit of Tk 5,000/- for urban clients and Tk 1,000/- for rural clients. Nominee form and photograph of nominee(s) (signature attested by the account holder). In case of minor nominee, a copy of the birth certificate and photograph required; Personal Information Form. Transaction Profile. KYC Form. Account Opening Form to be duly filled in and signed by A/C holder and to be authenticated by Banks authorized officials.

Additional Requirement for Non - resident of Bangladesh: As per existing Foreign Exchange guidelines of Bangladesh Bank. Photocopy of passport with valid visa and work permit attested by their respective Embassy / Mission authority. Two copies of passport size photograph duly attested by their respective Embassy / Mission authority. Tax Certificate issued by foreign country. Form QA-22

Corporate Banking:Sole Proprietorship Concern: Copy of valid Trade License; Permission of Board of Investment required for FC (Foreign Currency) Account; Declaration for opening foreign currency account duly filled in and signed; Photocopy of Citizenship Certificate / Passport / National I.D. Card / Driving License. Two copies of recent passport size photograph duly attested by the introducer. Certified document(s) for source of income. Tin Certificate. Proof of communication address: Photocopy of an Electricity Bill / Gas Bill / Wasa Bill / Telephone Bill. The account requires an introduction by an existing and satisfactory account holder of Southeast Bank Limited. Initial deposit of Tk 5,000/- for urban clients and Tk 1,000/- for rural clients. Nominee form and photograph of nominee(s) (signature attested by the account holder). In case of minor nominee, a copy of the birth certificate and photograph required; Personal Information Form. Transaction Profile. KYC Form. Account Opening Form to be duly filled in and signed by A/C holder and to be authenticated by Banks authorized officials.

Partnership Concern: Copy of Partnership Deed of the Firm (Registered / At least notarized); Firm Registration Certificate (if registered); List of Partners with their addresses; Copy of valid Trade License; Permission of Board of Investment required for FC (Foreign Currency) Account; Recent passport size photograph(s) of signatory / signatories attested by the introducer. (Photograph(s) of the signatory / signatories of non - residents of Bangladesh shall be attested by their respective Embassy / Mission authority); Photocopy of Citizenship Certificate / Passport / National I.D. Card / Driving License. (Photocopy of valid Passport of the signatory of non - residents of Bangladesh shall be attested by the their respective Embassy / Mission authority); Resolution of the partners of the firm for opening the account and authorization for its operation duly certified by managing partner of the firm; Initial deposit of Tk 5,000/- for urban clients and Tk 1,000/- for rural clients. Official Seal; Tin Certificate (If Any); Personal Information Form. Transaction Profile; KYC Form Account Opening Form to be dully filled in and signed by A/C holder and to be authenticated by Banks authorized officials.Private Limited Company: Certified true copy of Certificate of incorporation; Certified true copy of the Memorandum & Articles of Association of the Company duly attached; Certified true copy of Form XII of the company; Permission of Board of Investment required for FC (Foreign Currency) Account; Extract of the Resolution of the Board Meeting of the Company for opening the account and authorization of its operation duly certified by the Chairman / Managing Director of the Company; Recent passport size photograph(s) of signatory / signatories attested by the introducer. (Photograph(s) of the signatory / signatories of non - residents of Bangladesh shall be attested by the their respective Embassy / Mission authority); Photocopy of Citizenship Certificate / Passport / National I.D. Card / Driving License. (Photocopy of valid Passport of the signatory of non-residents of Bangladesh shall be attested by the their respective Embassy / Mission authority); List of Directors with addresses; Copy of valid Trade License; Official Seal with designation; Initial deposit of Tk 5,000/- for urban clients and Tk 1,000/- for rural clients. Tin Certificate; Personal Information Form. Account Opening Form to be dully filled in and signed by A/C holder and to be authenticated by Banks authorized officials.Public Limited Company: Certified true copy of Certificate of incorporation; Certified true copy of certificate of commencement; Certified true copy of the Memorandum & Articles of Association of the Company duly attached; Certified true copy of Form XII of the company; Permission of Board of Investment required for FC (Foreign Currency) Account; Extract of the Resolution of the Board Meeting of the Company for opening the account and authorization of its operation duly certified by the Chairman / Managing Director of the Company; Recent passport size photograph(s) of signatory / signatories attested by the introducer. (Photograph(s) of the signatory / signatories of non - residents of Bangladesh shall be attested by the their respective Embassy / Mission authority); Photocopy of Citizenship Certificate / Passport / National I.D. Card / Driving License. (Photocopy of valid Passport of the signatory of non - residents of Bangladesh shall be attested by the their respective Embassy / Mission authority); List of Directors with addresses; Copy of valid Trade License; Official Seal with designation; Initial deposit of Tk 5,000/- for urban clients and Tk 1,000/- for rural clients. Tin Certificate; Personal Information Form. Account Opening Form to be dully filled in and signed by A/C holder and to be authenticated by Banks authorized officials.Trusts / Clubs / Associations / Societies / Co - operatives / NGO / Non - trading Concerns:

Certified true copy of the constitution / By - Laws / Trust Deed / Memorandum and Articles of Association; Certificate of Registration of the Association / Club / Charity / Trust / Society / Co-operative / NGO / Non - trading concern for inspection and return (along with a duly certified photocopy for Banks records); List of members of the Governing Body / Executive Committee of the Association / Club / Charity / Trust / Society / Co-operative / NGO / Non - trading concern with their addresses; Extract of Resolution of the Association / Club / Charity / Trust / Society / Co - operative / NGO / Non-trading concern for opening the account and authorization of its operation duly certified by the Chairman / Secretary of the Association / Club / Charity / Trust / Society / Co - operative / NGO / Non - trading concern etc. Recent passport size photograph(s) of signatory / signatories attested by the introducer. (Photograph(s) of the signatory / signatories of non - residents of Bangladesh shall be attested by the their respective Embassy / Mission authority); Photocopy of Citizenship Certificate / Passport / National I.D. Card / Driving License. (Photocopy of valid Passport of the signatory of non - residents of Bangladesh shall be attested by the their respective Embassy / Mission authority); Initial deposit of Tk 5,000/- for urban clients and Tk 1,000/- for rural clients. Official Seal mentioning designation Personal Information Form. Transaction Profile; KYC Form Account Opening Form to be duly filled in and signed by A/C holder and to be authenticated by Banks authorized officials.Rate of Interest & Fees: No Interest is paid on CD Account. Fees and Charges: As per existing schedule of charges which is separately displayed/shown on the web site.

FIXED DEPOSIT ACCOUNT (FDR)Fixed Deposit Receipt (FDR) Account offers the customers the opportunity to invest a fixed amount for a fixed period at a fixed rate of interest. The customers have the option to re - invest their funds both principal amount and interest amount on maturity or principal amount and the interest amount being paid into their SB or CD accounts.Features and Benefits: Money can grow with attractive interest rate with flexible tenure. Automatic renewal facility at maturity. Loan facility against FDR Account to meet urgent financial needs. Premature closure facility available at prevailing savings rate (Conditions Apply).Eligibility: FDR Account can be opened both for Individual and Corporate bodies. Only Resident Bangladeshi National is allowed to open Personal FDR Account. A Person of 18 years of Age and above having a sound mind can open the A/C. FDR A/C can be opened in Joint names. FDR can be opened in the name of minor. In that case his/her legal guardian will operate the FDR.Rate of Interest & Fees: Currently the rate of interest is as under which is subject to change time to time

Fixed Deposit Receipt (FDR) AccountFor both Individual and Corporate

For any amount

1 (one) month9.00%

2 (two) months10.00%

3 (three) months11.50%

6 (six) months11.50%

1 (one) year11.50%

For Senior Citizen Scheme: 11.75% (for any amount)

Requirements:Applicants must satisfy the following documentation requirements: Photocopy of Citizenship Certificate / Passport / National I.D. Card / Driving License. Two copies of recent passport size photograph duly attested by the introducer. Cheque on Self or Cash deposit; Photograph of Nominee. In case of minor nominee, a copy of the birth certificate and photograph required; Personal Information Form; KYC Form TIN Certificate. Single/Joint A/C can be open.Double Benefit Scheme (DBS) Account:Double Benefit Scheme (DBS) Account is a time specified deposit scheme for clients where the deposited money will be doubled on maturity.Features and Benefits Amount to be deposited TK 10,000 or its multiple; Deposited amount will be doubled in 6 years; Account can be opened at any working day of the month; Allowed to open more than one DBS Account at any branch of the Bank; Loan facility against lien of DBS Account; The Scheme is covered by Insurance and Insurance Premium is borne by the bank; Premature closure facility.Eligibility: DBS Account can be opened both for Individual and Corporate bodies. Only Resident Bangladeshi National is allowed to open Personal DBS Account. Age bar for opening of Personal DBS Account: 18 years or above. Single/Joint account can be opened. Minor account can be opened under the supervision of his / her / their guardian.Requirements:Applicants must satisfy the following documentation requirements: Photocopy of Citizenship Certificate / Passport/ National I.D. Card / Driving License. Two copies of recent passport size photograph duly attested by the introducer. Certified document(s) for source of income. TIN Certificate. Cheque on Self or Cash deposit; Single/Joint A/C can be opened Fees and Charges: As per existing schedule of charges which is separately displayed/shown in web site.

Special Notice Deposit (SND) Account:Special Notice Deposit (SND) Account is an interest bearing deposit where advance notice of 7 to 30 days required for amount withdrawal. SND A/C is usually opened by Firms, Corporate Financial Institution.Features and Benefits: Bank pays attractive interest. Personalized MICR Cheque Book is available. Nominal service charge. Any branch banking facility (Cash withdrawal and deposit from any branch) Bank accepts and supports Standing Instructions. Nomination facility is available to nominate beneficiary for account proceeds. Interest is payable on half yearly basis. Charge free statement of A/C, Balance Confirmation Certificate twice in a year on half yearly / yearly basis. Option is available to collect e - Statement on monthly basis.

Eligibility: SND Account can be opened by both Individual/Firms/Corporate bodies. Age bar for Personal SND Account: 18 years or above. Joint account can be opened. Account can be opened in the name of Trust / Club / Association / Societies / Non - Trading Concerns.Requirements:Applicants must satisfy the following documentation requirements:Personal Banking: Photocopy of Citizenship Certificate / Passport / National I.D. Card / Driving License. Two copies of recent passport size photograph duly attested by the introducer. Certified document(s) for source of income. Tin Certificate. Proof of communication address: Photocopy of an Electricity Bill / Gas Bill / Wasa Bill / Telephone Bill. The account requires an introduction by an existing and satisfactory account holder of Southeast Bank Limited. Initial deposit of Tk 5,000/- for urban clients and Tk 1,000/- for rural clients. Nominee form and photograph of nominee(s) (signature attested by the account holder). In case of minor nominee, a copy of the birth certificate and photograph required; Personal Information Form. Transaction Profile. KYC Form. Account Opening Form to be duly filled in and signed by A/C holder and to be authenticated by Banks authorized officials.

Corporate Banking:Sole Proprietorship Concern: Copy of valid Trade License; Permission of Board of Investment required for FC (Foreign Currency) Account; Declaration for opening foreign currency account duly filled in and signed; Photocopy of Citizenship Certificate / Passport / National I.D. Card / Driving License. Two copies of recent passport size photograph duly attested by the introducer. Certified document(s) for source of income. Tin Certificate. Proof of communication address: Photocopy of an Electricity Bill / Gas Bill / Wasa Bill / Telephone Bill. The account requires an introduction by an existing and satisfactory account holder of Southeast Bank Limited. Initial deposit of Tk 5,000/- for urban clients and Tk 1,000/- for rural clients. Nominee form and photograph of nominee(s) (signature attested by the account holder). In case of minor nominee, a copy of the birth certificate and photograph required; Personal Information Form. Transaction Profile. KYC Form. Account Opening Form to be duly filled in and signed by A/C holder and to be authenticated by Banks authorized officials.

Partnership Concern: Copy of Partnership Deed of the Firm (Registered / At least notarized); Firm Registration Certificate (if registered); List of Partners with their addresses; Copy of valid Trade License; Permission of Board of Investment required for FC (Foreign Currency) Account; Recent passport size photograph(s) of signatory / signatories attested by the introducer. (Photograph(s) of the signatory / signatories of non - residents of Bangladesh shall be attested by their respective Embassy / Mission authority); Photocopy of Citizenship Certificate / Passport / National I.D. Card / Driving License. (Photocopy of valid Passport of the signatory of non - residents of Bangladesh shall be attested by the their respective Embassy / Mission authority); Resolution of the partners of the firm for opening the account and authorization for its operation duly certified by managing partner of the firm; Initial deposit of Tk 5,000/- for urban clients and Tk 1,000/- for rural clients. Official Seal; Tin Certificate (If Any); Personal Information Form. Transaction Profile; KYC Form Account Opening Form to be dully filled in and signed by A/C holder and to be authenticated by Banks authorized officials.Private Limited Company: Certified true copy of Certificate of incorporation; Certified true copy of the Memorandum & Articles of Association of the Company duly attached; Certified true copy of Form XII of the company; Permission of Board of Investment required for FC (Foreign Currency) Account; Extract of the Resolution of the Board Meeting of the Company for opening the account and authorization of its operation duly certified by the Chairman / Managing Director of the Company; Recent passport size photograph(s) of signatory / signatories attested by the introducer. (Photograph(s) of the signatory / signatories of non - residents of Bangladesh shall be attested by the their respective Embassy / Mission authority); Photocopy of Citizenship Certificate / Passport / National I.D. Card / Driving License. (Photocopy of valid Passport of the signatory of non-residents of Bangladesh shall be attested by the their respective Embassy / Mission authority); List of Directors with addresses; Copy of valid Trade License; Official Seal with designation; Initial deposit of Tk 5,000/- for urban clients and Tk 1,000/- for rural clients. Tin Certificate; Personal Information Form. Account Opening Form to be dully filled in and signed by A/C holder and to be authenticated by Banks authorized officials.Public Limited Company: Certified true copy of Certificate of incorporation; Certified true copy of certificate of commencement; Certified true copy of the Memorandum & Articles of Association of the Company duly attached; Certified true copy of Form XII of the company; Permission of Board of Investment required for FC (Foreign Currency) Account; Extract of the Resolution of the Board Meeting of the Company for opening the account and authorization of its operation duly certified by the Chairman / Managing Director of the Company; Recent passport size photograph(s) of signatory / signatories attested by the introducer. (Photograph(s) of the signatory / signatories of non - residents of Bangladesh shall be attested by the their respective Embassy / Mission authority); Photocopy of Citizenship Certificate / Passport / National I.D. Card / Driving License. (Photocopy of valid Passport of the signatory of non - residents of Bangladesh shall be attested by the their respective Embassy / Mission authority); List of Directors with addresses; Copy of valid Trade License; Official Seal with designation; Initial deposit of Tk 5,000/- for urban clients and Tk 1,000/- for rural clients. Tin Certificate; Personal Information Form. Account Opening Form to be dully filled in and signed by A/C holder and to be authenticated by Banks authorized officials.Trusts / Clubs / Associations / Societies / Co - operatives / NGO / Non - trading Concerns:

Certified true copy of the constitution / By - Laws / Trust Deed / Memorandum and Articles of Association; Certificate of Registration of the Association / Club / Charity / Trust / Society / Co-operative / NGO / Non - trading concern for inspection and return (along with a duly certified photocopy for Banks records); List of members of the Governing Body / Executive Committee of the Association / Club / Charity / Trust / Society / Co-operative / NGO / Non - trading concern with their addresses; Extract of Resolution of the Association / Club / Charity / Trust / Society / Co - operative / NGO / Non-trading concern for opening the account and authorization of its operation duly certified by the Chairman / Secretary of the Association / Club / Charity / Trust / Society / Co - operative / NGO / Non - trading concern etc. Recent passport size photograph(s) of signatory / signatories attested by the introducer. (Photograph(s) of the signatory / signatories of non - residents of Bangladesh shall be attested by the their respective Embassy / Mission authority); Photocopy of Citizenship Certificate / Passport / National I.D. Card / Driving License. (Photocopy of valid Passport of the signatory of non - residents of Bangladesh shall be attested by the their respective Embassy / Mission authority); Initial deposit of Tk 5,000/- for urban clients and Tk 1,000/- for rural clients. Official Seal mentioning designation Personal Information Form. Transaction Profile; KYC Form Account Opening Form to be duly filled in and signed by A/C holder and to be authenticated by Banks authorized officials.

Rate of Interest & Fees:Currently interest rates are as under above which is subject to change time to time:Special Notice Deposit (SND)Account

Banks and NBFIs : 5.50%

Customers

Below Tk. 1.00 CroreTk. 1.00 Crore & above but below Tk. 25.00 CroreTk. 25.00 Crore & above but below Tk. 50.00 CroreTk. 50.00 Crore & above but below Tk. 100.00 CroreTk. 100.00 Crore & above

6.00%6.25%6.25%6.50%9.00%

Mother Account (IPO): Will be fixed upon approval from Head Office on case to case basis.

Fees and Charges: As per existing schedule of charges which is separately displayed/shown on the web site.

Monthly Savings Scheme (MSS) Account:Your dreams may turn into reality through Southeast bank's Monthly Savings Scheme (MSS)Features and Benefits: Hassle Free Deposit Loan of Maximum 80% against the lien of the MSS amount deposited can be availed. Can close the account before maturity

Eligibility: Account can be opened in the name of individual or in joint names. Only Resident Bangladeshi National is allowed to open MSS Account. Account can be opened at any time of the month

Requirements:Applicants must satisfy the following documentation requirements: Photocopy of Citizenship Certificate / Passport/ National I.D. Card / Driving License. Two copies of recent passport size photograph duly attested by the introducer. Certified document(s) for source of income. TIN Certificate. Cheque on Self or Cash deposit; Single/Joint A/C can be opened. Fees and Charges: As per existing schedule of charges which is separately displayed/shown on the web site.

Monthly Installment Size and Benefit after Maturity:

Millionaire Deposit Scheme (MDS) Account:Millionaire Deposit Scheme (MDS) Account is a time specified monthly deposit scheme for clients where the deposited money will become one million on maturity.Features and Benefits: Tenor: 4,5,6,7,8,9 and 10 years term; Deposit on monthly installment basis; Attractive rate of interest; Account can be opened at any working day of the month; Monthly installment can be deposited through a standing debit instruction from the designated CD/SB Account; Monthly installment can be deposited in advance; An account can be transferred from one branch to another branch of the bank; Credit facility for maximum of 2 years can be availed at any time during the period of the scheme; Allowed to open more than one MDS Account for different amount at any branch of the Bank;

Eligibility: MDS Account can be opened both for Individual and Corporate bodies. Only Resident Bangladeshi National is allowed to open MDS Account. Age bar for opening of Personal MDS Account: 18 years or above. Single/Joint account can be opened. Account can be opened in the name of minor. In that case his/her legal guardian will operate the account.

Requirements:Applicants must satisfy the following documentation requirements: Photocopy of Citizenship Certificate / Passport/ National I.D. Card / Driving License. Two copies of recent passport size photograph duly attested by the introducer. Certified document(s) for source of income. TIN Certificate. Cheque on Self or Cash deposit; Single/Joint A/C can be opened. Fees and Charges: As per existing schedule of charges which is separately displayed/shown in web site.Pension Savings Scheme:Pension Savings Scheme Offers clients to save their hard earned money every month for a secured future.Features and Benefits: Loan of Maximum 80% against the lien of the PSS amount deposited can be availed. Client have to pay the Installment Amount by 15th day of a Month. Advance Installment can be provided. Installment amount can be given from any branch of our BankEligibility: A Person of 18 years of age and above having a sound mind can open the account. A person can open more than one PSS account for any amount at any branch of the Bank in such case separate form should be filled in. The account can be opened at any working day of the month. Account opened within 1st 15 days of any month will be treated as account opened on that particular month. If the account is opened after 1st 15 days of any month in that case 1st installment will be due from the following month. PSS account can be opened in the name of a minor. In that case minors legal guardian can operate the account PSS account cannot be opened in joint names or in the name of any intuition.

Requirements:Applicants must satisfy the following documentation requirements: Photocopy of Citizenship Certificate / Passport/ National I.D. Card / Driving License. Two copies of recent passport size photograph duly attested by the introducer. Certified document(s) for source of income. TIN Certificate. Cheque on Self or Cash deposit; Fees and Charges: As per existing schedule of charges which is separately displayed/shown on the web site.

Monthly Installment Size and Benefit after Maturity:

History of EXIM BankExport Import Bank of Bangladesh Limited was established in the year 1999 under the leadership of Late Mr. Shahjahan Kabir, Founder Chairman who had a long dream of floating a commercial bank which would contribute to the socio-economic development of our country. He had a long experience as a good banker. A group of highly qualified and successful entrepreneurs joined their hands with the founder chairman to materialize his dream. Indeed, all of them proved themselves in their respective business as most successful star with their endeavor, intelligence, hard working and talent entrepreneurship. Among them, Mr. Nazrul Islam Mazumder who is an illuminated business tycon in the Garments business in Bangladesh became the Honorable Chairman after the demise of the honorable founder chairman. He is also the chairman of Bangladesh Association of Banks (BAB). Under his leadership, BAB has emerged as an effective forum for exchanging views on problems being faced by the banking sector of Bangladesh and for formulating common policy guidelines in addressing such problems.

The Bank starts functioning from 3rd August, 1999 with its name as Bengal Export Import Bank Limited. On 16th November 1999, it was renamed as Export Import Bank of Bangladesh Limited with Mr. Alamgir Kabir as the Founder Advisor and Mr. Mohammad Lakiotullah as the Founder Managing Director respectively. Both of them have long experience in the financial sector of our country. By their pragmatic decision and management directives in the operational activities, this bank has earned a secured and distinctive position in the banking industry in terms of performance, growth, and excellent management. Under the leadership of Mr. Lakiotullah, the Bank has migrated all of its conventional banking operation into Shariah Based Islami Banking in the year July 2004.

In the year 2006, Mr. Kazi Masihur Rahman became the Managing Director of the bank when Mr. Lakiotullah left the bank after completion of his successful 7 years as MD. Mr. Kazi served in the bank for next five years. Under his leadership, the bank has been placed on a state of the art centralized IT platform with two modern data centers where world renowned core banking software TEMENOS T24 is running along with some alternate delivery channels like ATMs and SMS banking.

On 25th August, 2011, Mr. Md. Fariduddin Ahmed has joined in the bank as Managing Director. With his long banking experience, EXIM Bank become fully compliant Bank with adequate capital and good asset quality. After retirement from Managing Director, he has been continuing his service for EXIM Bank as Advisor since 27th July 2012.

Dr. Mohammed Haider Ali Miah succeeded Mr. Fariduddin Ahmed on July 25, 2012 and has created a new dimension in EXIM history becoming the first ever in-house Managing director and CEO of the Bank. Under his far-sighted leadership, EXIM Bank has not only achieved uppermost level of performance in almost each arena of its activities but also gained confidence to place itself as one of the dynamic banks through delivering transparent and standard banking services to the customers in a compliant manner.Our VisionThe gist of our vision is Together Towards Tomorrow. Export Import Bank of Bangladesh Limited believes in togetherness with its customers, in its march on the road to growth and progress with service. To achieve the desired goal, there will be pursuit of excellence at all stages with climate of continuous improvement, because, in Exim Bank, we believe, the line of excellence is never ending. Banks strategic plans and networking will strengthen its competitive edge over others in rapidly changing competitive environment. Its personalized quality services to the customers with trend of constant improvement will be the cornerstone to achieve our operational success.Our MissionThe Banks mission gives emphasis to:Provide quality financial services especially in Foreign TradeContinue a contemporary technology based professional banking environmentMaintain corporate & business ethics and transparency at all levelsSound Capital BaseEnsure sustainable growth and establish full value to the honorable stakeholdersFulfill its social commitments andAbove all, to add positive contribution to the national economyCorporate CultureOrganizational culture is considered as an essential component of business corporations as it has the ability to bind organizational members together. The culture and values of our bank have been proved as a source of competitive advantage for us and are acting as a key component to establish the relationship between the bank and our employees and , in turn , between our employees and our customers. Our culture and values also encourage customers and employees to join us and stay with us.

EXIM Bank has also been able to improve organizational performance via improving the performance of individual contributors and also recognizes existing talents to fill up the higher vacancies within the organization or place them in the right position, wherein the best use of their abilities can be ensured. Our culture promotes sharing of common goal which ensures harmonious relationship in the working environment.

Awards & AchievementsAwardsFrom the very beginning of its journey Exim Bank set a standard in service which made the bank outstanding. Its commitment to the Quality Management, Good Governance, continuous effort to improve in all sects, excellence in service as well as CSR activities always been appreciated at home and abroad. In consequence, Exim Bank achieved several national and international awards."International Diamond Prize for Excellence in Quality" award"World Finance" awardAchievementsFirst private sector bank to open exchange house in UKImplementation of the world renowned Core Banking Software (TEMENOS T24)Conversion from Conventional Banking to Shariah Based Islami Banking.

Prime Operational Area of the BankAs a full-fledged Islamic bank in Bangladesh, EXIM Bank extended all Islamic banking services including wide range of saving and investment products, foreign exchange and ancillary services with the support of sophisticated IT and professional management. The investment portfolio of the bank comprises of diversified areas of business and industry sectors. The sectors include textiles, edible oil, ready-made garments, chemicals, cement, telecom, steel, real estate and other service industry including general trade finance. The bank has given utmost importance to acquire quality assets and is committed to retain good customers through customer relationship management and financial counseling. At the same time efforts have been made to explore/induct new clients having good potentiality to diversify and create a well-established structured investment portfolio and to minimize overall portfolio risk.

Investment: Bank's investment port-folio are segmented under the following heads:

Retail/Consumers investment. Micro enterprise investment. Small and Medium Enterprise investment. Large and Corporate investment. Syndicate investment.

Modes of investments: Murabaha (MTR, MPI, MIB). Bai Muazzal. Izara Bil Baia. Wazirat Bil Wakala . Bai-Salam. Quard. Musharaka Documentary Bills (MDB)/LDBP. Bai-As-Sarf/FDBP.EXIM Bank is very much responsive and interested to involve themselves both directly and indirectly with the development process of the banking industry and national economy. As we believe the development of small and medium-size enterprises plays a pivotal role in the growth and prosperity of a nation. Although large-scale corporations, particularly industrial concerns contribute sizably/ largely in Gross Domestic Products (GDP) and other economic variables of prosperity but the significance of SMEs is widely recognized around the globe. SMEs make a substantial contribution towards GDP, revenue collection in the form of taxes, fostering entrepreneurship culture, employment opportunities, income generation, skills development of human resources, poverty alleviation, and improving the standard of living and quality of life. Above all the prime economic benefits of SMEs development include encouraging perfect competition and fair distribution of wealth. If there are only large-scale corporations either, then there will be a monopoly in an industry, with a single suppliers, or oligopoly with only few suppliers, or monopolistic competition with only some suppliers, then the major portion of national income and wealth will move within the hands of big capitalists. SME sector, however, begets fair competition and equitable distribution of wealth.

SME Defined:Generally, SME means small and medium size enterprises, the definition published by Ministry of Industries and endorsed by Bangladesh Bank are as follows:

Micro Industry/Enterprise:Micro Industry/ EnterpriseTotal Fixed Assets(Excluding land & factory building)Total no. of Employees

Service concernUp to Tk.5.00 lacUp to 10 persons

Trading concernUp to Tk.5.00 lacUp to 10 persons

Manufacturing concernUp to Tk.50.00 lacUp to 24 persons

***If a concern goes to Micro industry/enterprise based on any one above standard (asset or employee) but it goes to Small industry/enterprise based on other above standard (asset or employee) then it may be considered as Small Industry/Enterprise

Small Industry/Enterprise:Small Industry/EnterpriseTotal Fixed Assets(Excluding land & factory building)Total no. of Employees

Service concernNot exceeding to Tk.1.00 croreUpto 25 persons

Trading concernNot exceeding to Tk.1.00 croreUpto 25 persons

Manufacturing concernNot exceeding to Tk.10.00 croreUpto 99 persons

***If a concern goes to Small industry/enterprise based on any one above standard (asset or employee) but it goes to Medium industry/enterprise based on other above standard (asset or employee) then it may be considered as Medium Industry/Enterprise

Medium Industry/Enterprise:Medium Industry/EnterpriseTotal Fixed Assets(Excluding land & factory building)Total no. of Employees

Service concernNot exceeding to Tk.15.00 croreUpto 100 person

Trading concernNot exceeding to Tk.15.00 croreUpto 100 person

Manufacturing concernNot exceeding to Tk.30.00 croreUp to 250 person

***If a concern goes to Medium industry/enterprise based on any one above standard (asset or employee) but it goes to Large industry/enterprise based on other above standard (asset or employee) then it may be considered as Large Industry/Enterprise

Cottage Industry/Enterprise:Cottage Industry/EnterpriseTotal Fixed Assets(Excluding land & factory building)Total no. of Employees

The concern where the family members get priorityUp to Tk.5.00 lacUp to 10 (family members)

***If a concern goes to Cottage industry/enterprise based on any one above standard (asset or employee) but it goes to Micro industry/enterprise based on other above standard (asset or employee) then it may be considered as Micro Industry/Enterprise

The investment port-folio of the EXIM Bank covers all the segments of the economy for the customers engaged in the business activities for contribution to the GDP ensuring compliance of Islamic Shariah.Core Banking SolutionCore banking solutions are banking applications on a platform enabling a phased, strategic approach that is intended to allow banks to improve operations, reduce costs, and be prepared for growth. Implementing a modular, component-based enterprise solution facilitates integration with a bank's existing technologies. An overall service-oriented-architecture helps banks reduce the risk that can result from manual data entry and out-of-date information, increases management information and review, and avoids the potential disruption to business caused by replacing entire systems.

Core banking solutions is new terminology frequently used in banking circles. The advancement in technology, especially Internet and information technology has led to new ways of doing business in banking. These technologies have cut down time, working simultaneously on different issues and increasing efficiency. The platform where communication technology and information technology are merged to suit core needs of banking is known as core banking solutions. Here, computer software is developed to perform core operations of banking like recording of transactions, profit calculations on loans and deposits, customer records, balance of payments and withdrawal. This software is installed at different branches of bank and then interconnected by means of communication lines like satellite, internet etc. It allows the user (customers) to operate accounts from any branch if it has installed core banking solutions. This new platform has changed the way banks are working.

EXIM Bank is using the T24 Islamic Banking Solution of Temenos which is already a recognized world leader in banking software technology with over 700 installations in over 125 countries, and more than 40 installations for Islamic Banking.

T24 for Islamic Banking is both Shariah compliant and commercially flexible. Enabling to offer a true range of the latest competitive Islamic financial products based on the award-winning success of T24 banking software platform, T24 for Islamic Banking is a single core banking software system that handles Islamic financial services in tandem with non-Islamic ones. This helps us maintaining tight control over operational costs while remaining focused on serving our valued customers in the most appropriate and effective way.

Temenos T24 is built on open software architecture that uses established technology standards to support all major banking types. Offering total scalability, T24 supports users and customers with true non-stop resilience - plus eliminates the need for Close of Business processing to deliver a true 24/7 banking capability.

As a result of T24's leading technology credentials, T24 has the flexibility to support the needs of any bank from the smallest Greenfield operation to the largest multinational. It is this strength that has given T24 the means to establish an unrivalled track record which is enhancing productivity, increasing efficiency, mitigating risk, expanding channels-to-market, lowering costs, improving customer service, optimizing up-sell and cross-sell opportunities, driving growth, and boosting profitability.

T24 provides a high performance foundation to manage users, customers, processes, risks, delivery channels and applications - as well as deploy a full range of banking services across specialized lines of business. T24 is the most widely deployed banking software globally, and this experience continues to be built back into T24, giving T24 the most comprehensive coverage across: retail, corporate, wholesale, universal, Islamic, private wealth management and Microfinance banking.

Carrying high volumes based on multiple, secure and scalable servers, T24 does not limit the number of transactions, users or customers. Having more than 55 offices worldwide, Temenos is providing over 1,500 customer deployments in more than 125 countries across the world. This ensures T24 is able to support any size of financial institution and all levels of traffic.Board of DirectorsCHAIRMANMr. Md. Nazrul Islam Mazumder

DIRECTORSI. Mr. Md. Nazrul Islam SwapanII. Mr. Mohammad AbdullahIII. Mrs. Nasreen IslamIV. Mr. Mohammed ShahidullahV. Al-haj Md. Nurul AminVI. Mr. Mohammad Omar Farooque BhuiyanVII. Mr. Anjan Kumar SahaVIII. Mr. Md. Habib Ullah DawnIX. Major Khandaker Nurul Afser (Retd.)X. Lt. Col. (Retd) Serajul Islam BP (BAR)XI. Mr. Ranjan ChowdhuryXII. Khandakar Mohammed Saiful AlamXIII. Mr. Muhammad Sekandar Khan

MANAGING DIRECTOR & CEODr. Mohammed Haider Ali Miah

Shariah Supervisory Committee of the BankEXIM Bank started its banking operation as a conventional Bank since August 03, 1999. To suit the demand of time as well as to reach the Islami Banking Business to a large community, EXIM Bank the first pioneer in the country converted its mode of operation and started its pace as full-fledged Islami Bank since July, 2004. To ensure the proper implementation of Islami Banking Principles in its operation, the bank framed a strong Shariah Supervisory Committee consists of following learned & elite Mufti, well reputed Economists and Bankers of the country :

Professor Maulana Mohammad Salah Uddin

Chairman

[Khatib, Baitul Mukarram National Mosque]

Maulana Mohammad Sadequl Islam

Member

[Imam & Khatib, Mohakhali DOHS Jame Masjid]

Professor H. M. Shahidul Islam Barakaty

Member

[Director, Southeast University]

Hafez Maulana Mufti Mohammad Khairullah

Member

[Chief Mufti, Jamia Ambarshah Al-Islamiah,Karwan Bazar]

Moulana Md. Abdur Razzaque

Member

[Principal, Madinatul Ulum Mpdel InstituteBoys' Kamil Madrasa, Tejgaon]

Mr. Md. Abdul Mannan

Member

Mr. Md. Fahim Zaman Pathan

Member

Mr. A.K.M Nurul Fazal Bulbul

Member

Mr. Zubayer Kabir

Member

Mr. Mohammad Omar Farooque Bhuiyan

Member

Dr. Mohammed Haider Ali Miah

Member

[Managing Director, EXIM Bank]

Abul Quasem Md. Safiullah

Member Secretary

[SAVP, EXIM Bank]

Moreover, the experienced Muraqibs are employed to supervise & monitor the day to day operation of the bank as well as provide necessary guidelines in order to ensure full compliance of Shariah Principles which created a distinguished difference from the conventional banks and secured a strong position in Banking Arena:

Share Information of EXIM Bank:

Year of Incorporation:1999Year of IPO:2004Year of Denomination of Shares:2010Authorized Capital:Tk. 20,000.00 MillionPaid-up Capital:Tk. 10,514.86 MillionFace Value:Tk.10.00 per share;Market Lot:100 Shares.Date of listing with DSE:September 26, 2004Date of listing with CSE:September 04, 2004Instrument Scrip Code:EXIMBANK (DSE); EXIMBANK (CSE)Date of 1st Trading:October 16, 2004Opening price on 1st Trading Date:517.00

Deposits:Mudaraba Monthly Saving Scheme (Money Grower)Objectives of the SchemeA monthly savings scheme. Secure your future with ease. A small savings of today will provide you comfort tomorrow.Savings Period and Monthly Installment RateThe savings period is for 5, 8, 10 or 12 years.Monthly installment is Tk. 500/-, 1000/-, 2000/- or 5000/-.Not less than 65% of investment income shall be distributed among the Murabaha Depositors as per weightage. The deposit will bear weightage 1.16, 1.17, 1.18, 1.19 respectively.Bank reserves the right to change the weightage of deposit & percentage of distribution of Investment Income.Monthly Installment Deposit The savings amount is to be deposited within the 10 th of every month. In case of holidays the deposit amount is to be made on the following day. The deposits may also be made in advance. The depositor can have a separate account in the bank from which a standing instruction can be given to transfer the monthly deposit to the scheme account.If the depositor fails to make the monthly installment in time, then 5% on overdue installment amount will be charged. The charged amount to be added with the following month(s) installment and the lowest charge will be Tk. 10/- (Taka Ten).WithdrawalGenerally, withdrawal is not advised before a 5 (five)-year term, but if it is withdrawn before the above term, profit will be paid at savings rate. However, no profit will be paid if the deposit is withdrawn within 1 (one) year of opening the account.In case the depositor wishes to withdraw between the 5, 8, 10 or 12 years period then full profit will be paid for a completed term and savings rate will be applicable for the fractional period.Quard AdvantageAfter 3 (three) years of savings in this scheme the depositor (if adult) is eligible for a quard up to 90% of his/her deposited amount. In that case, profit rates on the quard will be applicable as per prevailing rate at that time.Reasons for disqualification from this scheme If the depositor fails to pay 3 (three) installments in a row, then he/she will be disqualified from this scheme and profit will be applicable as mentioned in withdrawal clause. If a depositor fails to pay 5 (five) installments in a row after completion of any one of these terms, then the Bank reserves the right to close the account and profit will be paid as mentioned in withdrawal clause. In case of death of the depositor the scheme will cease to function. The amount will be handed over to the nominee of the deceased depositor. In case of absence of the nominee, the bank will hand over the accumulated amount to the successor of the deceased.Achievement from the schemeThe accumulated amount may be more or less of following tableTermMonthly Installment

500/-1,000/-2,000/-5,000/-

5 yrs.39,041/-78,082/-1,56,164/-3,90,411/-

8 yrs.74,202/-1,48,404/-2,96,809/-7,42,024/-

10 yrs.1,05,095/-2,10,190/-4,20,380/-10,50,952/-

12 yrs.1,44,461/-2,88,923/-5,77,847/-14,44,618/-

Rules A form has to be filled at the time of opening the account. Attested photographs are advised. The depositor can select any of the installment amounts which cannot be subsequently changed. In case of minors, the guardians may open and supervise the account in his favor. A single person can open more than one account for saving under several installment amount. The accumulated deposit with profit will be returned within one month of completion of a term. The depositor should notify the bank immediately on any change of address. The government tax will be deducted from the profit accumulated in this scheme. If necessary, at the request of the depositor, the scheme can be transferred to another branch. The Bank reserves the right to change the rules and regulations of the scheme as and when deemed necessary. Income Tax on profit paid shall be deducted at the time of payment.

Mudaraba Su-Grehini Monthly Savings SchemeObjectives of the SchemeA monthly savings Scheme. To help the housewives of all races & communities maximization their wealth by providing remarkable return of their savings.Savings Period and Monthly Installment RateThe savings period is for 3, 5,8,10 & 12 years.Monthly installment is Tk. 200.00 and multiple of Tk. 500.00.At least 65% of investment income shall be distributed among the Mudaraba Depositors as per weightage. The Deposit will bear weightage 1.31, 1.33, 1.29, 1.29 and 1.28 respectively.Bank reserves the right to change the weightage of deposit and percentage of distribution of Investment Income.Monthly Installment DepositThe savings amount is to be deposited within the 10th of every month. In case of holidays the deposit amount is to be made on the following day.The deposits may also be made in advance.The depositor can have a separate account in the bank from which a standing instruction can be given to transfer the monthly deposit to the scheme account.If the depositor fails to make the monthly installment in time, then 5% on overdue installment amount will be charged. The charged amount to be added with the following month(s) installment and the lowest charge will be Tk. 10/- (Taka Ten).WithdrawalGenerally, withdrawal is not advised before a 3(three)-year term, but if it is withdrawn before the above term, profit will be paid at Savings rate. However, no profit will be paid if the deposit is withdrawn within 1 (one) year of opening the account.In case the depositor wishes to withdraw between the 3, 5, 8, 10 or 12 years period then full profit will be paid for a completed term and savings rate will be applicable for the fractional period.Investment FacilityThe depositor (except minor) can avail investment facility upto 90% of deposited amount after completion of 01 (one) year subject to application of normal terms & conditions of investment the bank.Reasons for disqualification from this schemeIf the depositor fails to deposit 03 (three) consecutive installments at any point of time, it will cease the right of depositor to remain within the purview of the account and profit against balance of deposited amount will be allowed as per terms & conditions for premature encashment.In case of death of account holder(s), the account will be in-operative and the entire deposited amount with profit (if applicable) shall be paid to the nominee or the legal guardian of minor nominee(s) as mentioned in the account opening form. If the nominee is minor, the same shall be paid to the legal guardian of the minor. In other cases, the amount shall be released as per rules in force.Achievement from the schemeThe accumulated amount may be more or less of following tableWeightageRate ofProfitYearDifferent slabs and estimated payable after maturity (may be more or less) (Amount in Tk.)

200/-500/-1,000/-2,000/-5,000/-10,000/-20,000/-

1.3112.503 years8772/-21930/-43861/-87721/-219303/-438607/-877214/-

1.3312.605 years16773/-41934/-83867/-167734/-419335/-838670/-1677341/-

1.2912.708 years33372/-83429/-166858/-333716/-834289/-1668577/-3337154/-

1.2912.8010 years48746/-121865/-243729/-487459/-1218647/-2437289/-4874589/-

1.2812.9012 years68888/-172221/-344442/-688884/-1722211/-3444421/-6888842/-

Requirements Two copies of recent passport size photographs of account holder attested by the introducer. One copy passport size photograph of nominee attested by the account holder. Copy of Passport/National ID Card/Word Commissioner's Certificate of the account holder acceptable to the bank.Other conditions of the product:Customers' account(s) held with the Bank to any of the followings:No cheque book will be issued under the scheme.If there occurs any loss in the business, the same to be borne by the Saheb-Al-Maal.The laws, rules & regulations of Bangladesh, custom & procedures applicable to the scheduled bank in Bangladesh shall apply to and govern the conduct of the account opened with bank.Though the Bank maintains strict confidentiality in all affairs of the account, Bank shall always be entitled to disclose any information regarding customers' account(s) held with the Bank to any of the followings:i. Any regulatory, supervisory, governmental or quasi-governmental authority with the jurisdiction over the bank.ii. Any person to whom the bank is required or authorized by law or court order to make disclosure.Any change of the information furnished by the customer herewith must be notified to the bank immediately, otherwise the bank will not be liable for the consequences.The customer agrees that the bank will not be liable for any loss or any damage if the bank is unable to provide services in connection with any customer's accounts due to postal, courier, electrical, mechanical, telecommunications or by reason of act of god, catastrophe, war, civil or industrial disturbance, computer failure or any other cause beyond Bank's control and that cannot be overcome by reasonable diligence and without unusual expenses.Operation of this account will be guided by the Money Laundering Prevention Act-2012 and other terms & conditions as prescribed by the Bank from time to time.VAT/Taxes/Excise Duty or other charges (if applicable) to be deducted from the account as per prevailing rules of competent authority (ies).Bank reserves right to change/amend/alter/modify the weightage, profit distribution principles or any of the rules of the scheme from time to time as per Bank's standard & policy.

Mudaraba Femina Monthly Savings SchemeObjectives of the SchemeA monthly savings Scheme. To help the female employees of all races & communities maximization their wealth by providing remarkable return of their savings.Savings Period and Monthly Installment RateThe savings period is for 3, 5,8,10 & 12 years.Monthly installment is Tk. 200.00 and multiple of Tk. 500.00.At least 65% of investment income shall be distributed among the Mudaraba Depositors as per weightage. The Deposit will bear weightage 1.32, 1.34, 1.30, 1.30 and 1.29 respectively.Bank reserves the right to change the weightage of deposit and percentage of distribution of Investment Income.Monthly Installment DepositThe savings amount is to be deposited within the 10th of every month. In case of holidays the deposit amount is to be made on the following day.The deposits may also be made in advance.The depositor can have a separate account in the bank from which a standing instruction can be given to transfer the monthly deposit to the scheme account.If the depositor fails to make the monthly installment in time, then 5% on overdue installment amount will be charged. The charged amount to be added with the following month(s) installment and the lowest charge will be Tk. 10/- (Taka Ten).WithdrawalGenerally, withdrawal is not advised before a 3(three)-year term, but if it is withdrawn before the above term, profit will be paid at Savings rate. However, no profit will be paid if the deposit is withdrawn within 1 (one) year of opening the account.In case the depositor wishes to withdraw between the 3, 5, 8, 10 or 12 years period then full profit will be paid for a completed term and savings rate will be applicable for the fractional period.Investment FacilityThe depositor (except minor) can avail investment facility upto 90% of deposited amount after completion of 01 (one) year subject to application of normal terms & conditions of investment the bank.Reasons for disqualification from this schemeIf the depositor fails to deposit 03 (three) consecutive installments at any point of time, it will cease the right of depositor to remain within the purview of the account and profit against balance of deposited amount will be allowed as per terms & conditions for premature encashment.In case of death of account holder(s), the account will be in-operative and the entire deposited amount with profit (if applicable) shall be paid to the nominee or the legal guardian of minor nominee(s) as mentioned in the account opening form. If the nominee is minor, the same shall be paid to the legal guardian of the minor. In other cases, the amount shall be released as per rules in force.Achievement from the schemeThe accumulated amount may be more or less of following table:WeightageRate ofProfitYearDifferent slabs and estimated payable after maturity (may be more or less) (Amount in Tk.)

200/-500/-1,000/-2,000/-5,000/-10,000/-20,000/-

1.3212.60%3 years8786/-21966/-43932/-87863/-219659/-439317/-878634/-

1.3412.70%5 years16820/-42049/-84099/-168199/-420499/-840999/-1681998/-

1.3012.80%8 years33527/-83818/-167637/-335273/-838183/-1676366/-3352732/-

1.3012.90%10 years49040/-122600/-245200/-490399/-1225999/-2451997/-4903995/-

1.2913.00%12 years69403/-173509/-347017/-694035/-1735087/-3470173/-6940346/-

RequirementsTwo copies of recent passport size photographs of account holder attested by the introducer.One copy passport size photograph of nominee attested by the account holder.Copy of Passport/National ID Card/Word Commissioner's Certificate of the account holder acceptable to the bank.Other conditions of the product:No cheque book will be issued under the scheme.If there occurs any loss in the business, the same to be borne by the Saheb-Al-Maal.The laws, rules & regulations of Bangladesh, custom & procedures applicable to the scheduled bank in Bangladesh shall apply to and govern the conduct of the account opened with bank.Though the Bank maintains strict confidentiality in all affairs of the account, Bank shall always be entitled to disclose any information regarding customers' account(s) held with the Bank to any of the followings:i. Any regulatory, supervisory, governmental or quasi-governmental authority with the jurisdiction over the bank.ii. Any person to whom the bank is required or authorized by law or court order to make disclosure.Any change of the information furnished by the customer herewith must be notified to the bank immediately, otherwise the bank will not be liable for the consequences.The customer agrees that the bank will not be liable for any loss or any damage if the bank is unable to provide services in connection with any customer's accounts due to postal, courier, electrical, mechanical, telecommunications or by reason of act of god, catastrophe, war, civil or industrial disturbance, computer failure or any other cause beyond Bank's control and that cannot be overcome by reasonable diligence and without unusual expenses.Operation of this account will be guided by the Money Laundering Prevention Act-2012 and other terms & conditions as prescribed by the Bank from time to time.VAT/Taxes/Excise Duty or other charges (if applicable) to be deducted from the account as per prevailing rules of competent authority (ies).Bank reserves right to change/amend/alter/modify the weightage, profit distribution principles or any of the rules of the scheme from time to time as per Bank's standard & policy.

Mudaraba Senior Monthly Savings SchemeObjectives of the SchemeA monthly savings Scheme. To inspire the Senior Citizens of the society towards savings of their idle money in the profitable deposit scheme.Savings Period and Monthly Installment RateThe savings period is for1 & 2 years.Monthly installment is Tk. 200.00 and multiple of Tk. 500.00.At least 65% of investment income shall be distributed among the Mudaraba Depositors as per weightage. The Deposit will bear weightage 1.36 and 1.42 respectively.Bank reserves the right to change the weightage of deposit and percentage of distribution of Investment Income.Monthly Installment DepositThe savings amount is to be deposited within the 10th of every month. In case of holidays the deposit amount is to be made on the following day.The deposits may also be made in advance.The depositor can have a separate account in the bank from which a standing instruction can be given to transfer the monthly deposit to the scheme account.The depositor can have a separate account in the bank from which a standing instruction can be given to transfer the monthly deposit to the scheme account.If the depositor fails to make the monthly installment in time, then 5% on overdue installment amount will be charged. The charged amount to be added with the following month(s) installment and the lowest charge will be Tk. 10/- (Taka Ten).WithdrawalNo profit shall be allowed for premature encashment within 01 (one) year.Profit shall be allowed at the provisional rate of Mudaraba Savings Deposit if it is encashed after 01 (one) year but before 02(two) years.If the account is encashed after completion of any tenure (as prescribed by the bank) but before maturity, depositor(s) will be entitled to receive full benefit for the completed tenure at the provisional rate of profit prescribed there-against. For remaining period depositor(s) will receive benefit at the provisional rate of profit prescribed for Mudaraba Savings Deposit.Investment FacilityThe depositor (except minor) can avail investment facility upto 90% of deposited amount after completion of 01 (one) year subject to application of normal terms & conditions of investment the bank.Reasons for disqualification from this schemeIf the depositor fails to deposit 03 (three) consecutive installments at any point of time, it will cease the right of depositor to remain within the purview of the account and profit against balance of deposited amount will be allowed as per terms & conditions for premature encashment.In case of death of account holder(s), the account will be in-operative and the entire deposited amount with profit (if applicable) shall be paid to the nominee or the legal guardian of minor nominee(s) as mentioned in the account opening form. If the nominee is minor, the same shall be paid to the legal guardian of the minor. In other cases, the amount shall be released as per rules in force.

Achievement from the schemeThe accumulated amount may be more or less of following table:YearDifferent slabs and estimated payable after maturity (may be more or less) (Amount in Tk.)

200/-500/-1,000/-2,000/-5,000/-10,000/-20,000/-

1 year2576/-6440/-12879/-25759/-64397/-128795/-257590/-

2 years5537/-13842/-27685/-55370/-138425/-276850/-553700/-

RequirementsTwo copies of recent passport size photographs of account holder attested by the introducer.One copy passport size photograph of nominee attested by the account holder.Copy of Passport/National ID Card/Word Commissioner's Certificate of the account holder acceptable to the bank.Other conditions of the product:No cheque book will be issued under the scheme.If there occurs any loss in the business, the same to be borne by the Saheb-Al-Maal.The laws, rules & regulations of Bangladesh, custom & procedures applicable to the scheduled bank in Bangladesh shall apply to and govern the conduct of the account opened with bank.Though the Bank maintains strict confidentiality in all affairs of the account, Bank shall always be entitled to disclose any information regarding customers' account(s) held with the Bank to any of the followings:i. Any regulatory, supervisory, governmental or quasi-governmental authority with the jurisdiction over the bank.ii. Any person to whom the bank is required or authorized by law or court order to make disclosure.Any change of the information furnished by the customer herewith must be notified to the bank immediately, otherwise the bank will not be liable for the consequences.The customer agrees that the bank will not be liable for any loss or any damage if the bank is unable to provide services in connection with any customer's accounts due to postal, courier, electrical, mechanical, telecommunications or by reason of act of god, catastrophe, war, civil or industrial disturbance, computer failure or any other cause beyond Bank's control and that cannot be overcome by reasonable diligence and without unusual expenses.Operation of this account will be guided by the Money Laundering Prevention Act-2012 and other terms & conditions as prescribed by the Bank from time to time.VAT/Taxes/Excise Duty or other charges (if applicable) to be deducted from the account as per prevailing rules of competent authority (ies).Bank reserves right to change/amend/alter/modify the weightage, profit distribution principles or any of the rules of the scheme from time to time as per Bank's standard & policy.

Mudaraba Monthly Saving Scheme (Money Grower)Objectives of the SchemeA monthly savings scheme. Secure your future with ease. A small savings of today will provide you comfort tomorrow.Savings Period and Monthly Installment RateThe savings period is for 5, 8, 10 or 12 years.Monthly installment is Tk. 500/-, 1000/-, 2000/- or 5000/-.Not less than 65% of investment income shall be distributed among the Murabaha Depositors as per weightage. The deposit will bear weightage 1.16, 1.17, 1.18, 1.19 respectively.Bank reserves the right to change the weightage of deposit & percentage of distribution of Investment Income.Monthly Installment DepositThe savings amount is to be deposited within the 10 th of every month. In case of holidays the deposit amount is to be made on the following day.The deposits may also be made in advance.The depositor can have a separate account in the bank from which a standing instruction can be given to transfer the monthly deposit to the scheme account.If the depositor fails to make the monthly installment in time, then 5% on overdue installment amount will be charged. The charged amount to be added with the following month(s) installment and the lowest charge will be Tk. 10/- (Taka Ten).WithdrawalGenerally, withdrawal is not advised before a 5 (five)-year term, but if it is withdrawn before the above term, profit will be paid at savings rate. However, no profit will be paid if the deposit is withdrawn within 1 (one) year of opening the account.In case the depositor wishes to withdraw between the 5, 8, 10 or 12 years period then full profit will be paid for a completed term and savings rate will be applicable for the fractional period.Quard AdvantageAfter 3 (three) years of savings in this scheme the depositor (if adult) is eligible for a quard up to 90% of his/her deposited amount. In that case, profit rates on the quard will be applicable as per prevailing rate at that time.Reasons for disqualification from this schemeIf the depositor fails to pay 3 (three) installments in a row, then he/she will be disqualified from this scheme and profit will be applicable as mentioned in withdrawal clause.If a depositor fails to pay 5 (five) installments in a row after completion of any one of these terms, then the Bank reserves the right to close the account and profit will be paid as mentioned in withdrawal clause.In case of death of the depositor the scheme will cease to function. The amount will be handed over to the nominee of the deceased depositor. In case of absence of the nominee, the bank will handover the accumulated amount to the successor of the deceased.Achievement from the schemeThe accumulated amount may be more or less of following tableTermMonthly Installment

500/-1,000/-2,000/-5,000/-

5 yrs.39,041/-78,082/-1,56,164/-3,90,411/-

8 yrs.74,202/-1,48,404/-2,96,809/-7,42,024/-

10 yrs.1,05,095/-2,10,190/-4,20,380/-10,50,952/-

12 yrs.1,44,461/-2,88,923/-5,77,847/-14,44,618/-

RulesA form has to be filled at the time of opening the account. Attested photographs are advised.The depositor can select any of the installment amounts which cannot be subsequently changed.In case of minors, the guardians may open and supervise the account in his favor.A single person can open more than one account for saving under several installment amount.The accumulated deposit with profit will be returned within one month of completion of a term.The depositor should notify the bank immediately on any change of address.The government tax will be deducted from the profit accumulated in this scheme.If necessary, at the request of the depositor, the scheme can be transferred to another branch.The Bank reserves the right to change the rules and regulations of the scheme as and when deemed necessary.Income Tax on profit paid shall be deducted at the time of payment.Mudaraba Su-Grehini Monthly Benefit SchemeObjectives of the SchemeA monthly Benefit Scheme. To help the housewives of all races & communities maximization their wealth by providing remarkable return of their savings.Monthly BenefitThe monthly benefit period is 1 year.Any Housewife having sound mind can open a Mudaraba Su-Grehini Monthly Benefit Scheme with any branch of the bank by depositing at least Tk. 25,000/- (twenty five thousand) and its multiple amount on any day of the month.At least 65% of investment income shall be distributed among the Mudaraba Depositors as per weightage. The Deposit will bear weightage 1.27.Bank reserves the right to change the weightage of deposit and percentage of distribution of Investment Income.Benefit against the deposited amount of the account would be credited to the Mudaraba Savings Deposit Account of the client maintained with the branch on the same day of every succeeding month as per Rate Circular.One or more account(s) can be opened in the same name at the same branch of the bank.EncashmentIn case of premature encashment of "Su-Grehini Mudaraba Monthly Benefit Deposit Scheme" no profit shall be paid to the depositor.Normally, deposited amount of Mudaraba Su-Grehini Monthly Benefit Scheme is not encashable before maturity. If any depositor intends to encash his/her receipt before maturity due to certain unavoidable circumstances, the following terms & conditions will come into force: no profit shall be allowed for premature encashment within 01 (one) year.In case of death of account holder(s), the nominee(s) may continue the account till maturity. In that case, nominee(s) or legal guardian of minor nominee(s) must open a Mudaraba Savings Deposit with the branch. The branch will credit monthly benefit of deposited amount of the account holder (deceased) to the account opened by the nominee(s)/legal guardian of minor nominee(s).Investment FacilityInvestment against lien of such receipt may be allowed upto 80% of deposited amount subject to application of normal terms & conditions of investment of the bank. Benefit of Mudaraba Su-Grehini Monthly Benefit Scheme will be credited to the Investment Account of the client(s) till full adjustment of total liability.Reasons for disqualification from this schemeIn case of death of account holder(s), the account will be in-operative and the entire deposited amount with profit (if applicable) shall be paid to the nominee or the legal guardian of minor nominee(s) as mentioned in the account opening form. If the nominee is minor, the same shall be paid to the legal guar