Scribd Logo
Unggah

Selamat datang di Scribd!

  • Ac Open FRM

    Diunggah oleh

    zamanbd
    9 tayangan15 halaman
    Account opening form of Exim Bank

    Judul Asli

    ac_open_frm

    Hak Cipta

    © © All Rights Reserved

    Format Tersedia

    PDF atau baca online dari Scribd

    Apakah menurut Anda dokumen ini bermanfaat?

    Apakah konten ini tidak pantas?

    Laporkan Dokumen Ini
    Account opening form of Exim Bank

    Hak Cipta:

    © All Rights Reserved
    Unduh sebagai PDF atau baca online dari Scribd
    Tandai sebagai konten tidak pantas
    9 tayangan15 halaman

    Ac Open FRM

    Diunggah oleh

    zamanbd
    Account opening form of Exim Bank

    Hak Cipta:

    © All Rights Reserved
    Unduh sebagai PDF atau baca online dari Scribd
    Tandai sebagai konten tidak pantas
    dari 15
    EXIM Shariah Based Islami Bank Branc! a heed Customer's Name | Customer ID Account No. Export Import Bank of Bangladesh Limited Branch Account Opening Application Form Personal Account Date: Customer ID No. The Manager Export Import Bank of Bangladesh Limited Aero No, soon Branch, Sector [5852 nea Code | en We apply to open the following account at your branch. My/Our detail information is given below: 1, Title of Account : 2. Type of Account (please tick): [ Al-Wadiah Current Deposit [J Mudaraba Savings Deposit [] MSTD CIMTDR DL Scheme Deposit Qrc Orrcp ONFcp (others... 3 Currency (please tick): QBDT CLUSD COEUR GBP O Othets snnsnsnumnnn 4. Operating instruction (please tick): [7] Singly 1) Jointly CAny one [) Others...... 5. Other Bank Account of Customer (if any): Name of Bank Branch ‘Nature of Account (please tick) ei - LDDeposit AC Ciinvestment A/C C1 Others fo owen CDeposit AC C)Investment A/C O Others or eg Deposit AC Oinvestment A/C 11 Others 6. Introducer’s Information: a. Name . Account No. cc. Name of Branch d. National ID No. ¢. Signature (with date): 7. Initial Deposit (Amount) 8, Special Instruction (if any) _.Nerified by 9. Information regarding MTDR : Amount : Currency : Term nee Momth re. Yeat .n Day. Provisional Rate of Profit nse Maturity Date : Incase of Renewal: [] Renew Principal with Profit [Renew Principal only Renew Principal only, Credit Profit to Account No. CNot Applicable. 10, Information regarding Scheme Deposit : Name of Scheme semnnsnnnnynnseen, TeNUtE OF Scheme: Deposit/Installment Amount soe No, of Installment (annually) ...0 ‘Monthly Payable Payable at maturity ea eae i 23. 14, 15, Photograph of Nominee(s) (attested by Account Holder) Nominee Information: I/We do hereby nominate the following person(s) to receive the balance amount of this account after my/our death, I/We reserve the right to cancel or change the said nominee at any time, I/We also agree that the bank will not be liable in any manner for the activities as instructed by me/us. 1) Name of Nominee Father’s Name Mother’s Name Spouse’s Name Permanent address of Nominee .. Date of Birth/Age Occupation Relation :.. Percentage Signature: . s-mnnnnsinnsnesne Date Of Bitth/ Age National ID No. 2)Name of Nominee : Father’s Name Mother's Name ‘Spouse’s Name f Permanent address of Nominee : Relation : Occupation: sno» Percentage : - Signature : * (Ifthe nominee is non-resident and the balance umount of that account is payable to the nominee, the amount can be transferred to forcign countries under the prevailing Foreign Exchange Regulation.) . If the nominee is minor: Name of legal guardian .. o- Relation: .nnsnene Signature After death of account holder, bank will pay the balance amount to the legal guardian of the nominee if the nominee does not attain maturity. Incase of one or more minor account holder 1, the legal guardian of the under mentioned account holder hereby declare that the account holder is a minor. His/Her necessary information is given in the annexed form. The account will be operated under my signature as Jegal guardian until or unless the account holder matures or further declaration given by me. a. Name of Account Holder (Minor) a b, Name of Guardian : sve Relation: . Signature (Both the minor and legal guardian must il he "Personal Information For” and both the forms to Be signed bythe eal guardian.) Source of Fund : Declaration and Signature: 1We affirm that Ive have read all the terms/conditions of the account and I/we will abide by these terms/conditions. I/We further declare that the above information is true. In addition to above information, I/we will provide any necessary information/documents as per your requirement. Name & Signature of Applicant with date For Bank Use Only Comment: Account Opening Officer Approving Officer Seal with Name, Signature and Date Seal with Name, Signture and Date ny Ls ‘ Branch Account Opening Application Form jon-Personal Account Dite ieeannnnnnn Customer ID No. [ Account No. I ‘The Manager . Export Import Bank of sie Limited Sector [885-2 Branch Code [em | [ Dear Sir, I/We apply to open the following account at your branch, My/Our detail information is given below: 1, Title of Account 2. Nature of organization (plese tick) :() PrivatePublic Lid.) Partnership (Joint Venture () Proprietorship OF Govt. 0 NGO OI Club/Society O Others (please specify), 3. ‘Type of Account (please tick) : C) Al-Wadiah Current Deposit ( Mudaraba Savings Deposit 0 MSTD COMTDR O Foreign Currency C1 Others (please specify 4. Curreney (please Tick) : 0 BDT USDC] EUR COGBP [Others (please specify)... 5. Organization’s Address : a, Registered Address : b, Business/Office Address ©. Factory/Industry Address : 6. Trade Licence No. : Issuing Authority :.... 7. Registration Authority & Country: (For both Domestic & Foreign) 8. Registration No. : 9. TINNo. : ... i 10. VAT Reg. No. (if any) 11. Nature of Business (Details) : " 12, Other Bank Account of account holder (if any) ‘Name of Bank Branch Nature of Account (please tick) O Deposit A/C CJ Investment A/C [) Others © Deposit A/C D Investment A/C O Others O Deposit A/C C1 Investment A/C O Others Date =. Sean 13, Introduce’ Information: a. Name b. Account No, c. Name of Branch : 4. National ID No. : seis eee ©, Signature (With dat€): .oncnsnnnen cnt VE 14, Initial Deposit (Amount) 15, Special Instruction (if any) 2 16. Information regarding Re Amount .. Currency Temute 5 .n- Month... Year ns Day. Provisional Rate Of Profit .mn.ne Maturity Date Incase of Renewal: [] Renew Principal with Profit | Renew Principal only CI Renew Principal only, Credit Profit to Account No. . I Not Applicable. ified by Photograph of ‘Nominee(s) (Atested by’ ‘Account Holder) 17, Information regarding Scheme Deposit : ‘Name of Scheme Tenure of Scheme :....... Deposit/installment Amount : Payable at maturity Monthly Payable No. of Installment (annually) 18, Nominee Information: VWe do hereby nominate the following person(s) to receive the balance amount of this account after my/our death. 1/We reserve right to cancel or change the said nominee at any time. I/We also agree that the bank will not be liable in any manner for the activities as instructed by me/us. Name of Nominee o.jnennm Date of Birth/Age Father's Name Mother's Name Spouse’s Name National INO. nots .. Signature : 19. Source of Fund : 20, Declaration regarding Account Operation and Signature: We affirm that I/we have read all the terms/conditions of the account and we will abide by these terms/conditions. I/We further declare that the above information is true. In addition to above information, I/we will provide any necessary information/documents as per your requirement. Customer's Signature, Name, Designation & Date For Bank Use Only Comments : Account Opening Officer Approving Officer Seal with Name, Signature and Date ‘Seal with Name, Signature and Date Account Opening Form : Personal Information Photograph « ill the form and affix it withthe main form of personal & non-personal account) Customer ID No. Account No. Date :.. Sector |s#s-2 Code [cm l. Name of Account Holder 2. Relation with Account (please tick in applicable case) (ir Applicant 12" Applicant 1 3“ Applicant O Director C1 Partner CMinor 1) Guardian C] Atomey Holder C)signatory [others .. Father’s Name Mother's Name Spouse’s Name Nationality Date of Birth Soe Gender (please tick) : OMale OFemale Occupation (with designation) : 10, National ID Card No. 11. Passport No. (if any) 12. TIN No. (if any) 13. Driving Licence No. (if any) era awee 14, Present Address (Residence) 15, Permanent Address 16, Official Address 17. Contact Telephone Residence i . Office Mobile : seve Bema soe Fax 18, Credit Card Information Issuing Organization and Card No (if user) : 1 Zz 19. Residence Status (please tick) CiResident [Non-Resident (incase of need, Bank will collect information as per instructions prescribed in the “Guidelines for Foreign Exchange Transaction") Sighature (with date) Transaction Profile 1. Title of Account : 2. Nature of Account : 3. Account or Reference No | _ No.of ‘Maximum Transaction ae Description | Transaction Amount (Monthly) (Monthly) (Per Transaction) " y | Deposit: Cash Deposit (Including online) Deposit through Transfer/Instrument Foreign Remittance Deposit Export Proceeds Others (Specify) Total Probable Deposit ‘Withdraws Cash Withdrawal (Including online/ATM) Payment through Transfer/Instrument Foreign Remittance Withdrawal Import Payments, Others (Specify) Total Probable Withdrawal 4, Source of Transacted Fund : . WWe the undersigned confirm that the aforesaid Transaction Profile is my/our normal and real transaction. If the above Transaction Profile tums to be changeable because of gemuine ground, I/ve shall notify the bank and submit a fresh Transaction Profile. Signature: Signature: Name: Name: Designation: Designation: Date: Date: eee noe) KYC Profile Form (Applicable for Scheme Deposits/MTDRs) 1. Title of Account : 2. Nature of Account 3. Account or Reference No 4, Name of Account Opening Officer : 5. What is the Source of Fund? How is it confirmed? (If applicable) 6. Monthly Income :.. 7. Information of Beneficial Owner of the Account (In case of Company, detail information of Controlling Share Holder and Individual Share Holder having 20% or more share): 8. Passport No, 9. Voter ID Card No 10. National ID Card No.: 11. TIN: 12. VAT Reg. No, 13. Driving Licence No.: 14. Occupation .. Is photocopy received? Yes/No (If applicable) Is photocopy received? Yes/No (If applicable) .. Is photocopy received? Yes/No (If applicable) Is photocopy received? Yes/No (If applicable) Is photocopy received? Yes/No (If applicable) Is photocopy received? Yes/No (If applicable) ‘Mention the customer’s occupation in details: Comments (ifany) : (* Under subjective consideration, comment may be made here regarding Customer's Risk) Name & Signature of Account Opening Officer! Name & Signature of Approving Relationship Manager with seal and Date. Officer with seal and Date, Sramuscay KYC Profile Form (Applicable for opening individuals’ ancl organizations’ account) 1. Title of Account [ 2. Nature of Account 3. Account or Reference No.: 4, Name of Account Opening Officer : 5. Nature of Business and Source of Fund 6. Mention, how the source of fund is confirmed and explain whether the declared transaction profile is resembled to the ‘business with mentioning the nature of business in details to establish the business relationship. | 7, Monthly Income 8. Information of Beneficial Owner of the Account (In case of Company, detail information of Controlling Share Holder and Individual Share Holder having 20% or more share) : 8. Passport No. 1s photocopy received? Yes/No (If applicable) 10. Voter ID Card No.! Suite ws photocopy received? Yes/No (If applicable) 11. National ID Card No. vhnusnnnsI8 photocopy received? Yes/No (If applicable) . Is photocopy received? Yes/No (IF applicable) lt ee Is photocopy received? Yes/No (If applicable) 14. Driving Licence No.-.. ‘photocopy received? YeuNo (Uf applicable) — 15, Confirm the reasons for opening Non-residence and Foreigners’ account, Nature of VISA eeidence Wor). 16, Customer's Profession/Nature of the Business: ‘SLNo. | Nature. Rating ‘01 [eweiry/Gems trad s (02 | Money ChangersCourier Service Agents 5 (03 Real Estate Agents 5 (08 [Construction promoters of projects 5 (05 [Offshore Corporation 5 (06__| Arvantique dealers 5 (07 | RestauranBar'Casino Night club Residential hotel owners 5 ‘08 | ImporvExport agemis 5 (09 | Cash Intensive business 5 lacs -a month 5 10 | Share/Stock dealer 3 1 | Manpower Export Business 5 12 | Operations in muliple locations 5 13 | Film Production/Distribution Ageng 3 14 [Arms dealer 5 15 | Mobile Phone Operator 5 To | Traders with» tumover of mare than 1 crore per annum 4 17 | Travel agents 4 Tg___| Transport Operators 3 19 [ Auto dealers (Reconditioned cars) 3 20__| Leasing Finance Company 3 21 | Freight'Shipping/Cargo Agent 7 z 22 | Insurance/Brokerage Agency Medium 3 23 | Religious Organization Agens Medium 3 34 | Amusement Organization Park ‘Medium 3 25 | Motor Parts Business [Medium 3 26 | Tobacco & Cigarette Business Medium 3 37—_| Auto Primary (new car Tow 2 28 | Shop owner (retail) Tow 2 29 | Business = Agents Low 2 30—_| Small wader (turnover Toss than 50 Tae per annum) Tow z ‘31 Self Employed Professionals Low. 2 32 | Comporate Customers Low. 2 33__| Business of House Building Waterals Law z 34 | Computer’Mobile Phone dealer Low 2 35___| Software business ‘Low x [36 | Manufacturers (other than arm) Low. i 37 | Retired from service Low 0 38__| Service Low 0 39 | Student Low. 0 40 | Housewife Tow. a a1 | Farmer Tow. 0 2 [Others (nak wil categorize isk according To nature) aay eee (The upper limit of range for table no. 17 to 22 will be considered same. Example: Tk. 50 Lac will be in the same class of 0 ~ 50.) 17. Net Worth of Account Holder Amount (Fk) isk evel | Risk Rating TTA. Tow o 50 Lac - 7 Crore Medium 1 52 Crore High 3 18, Nature of Account Opening Nature Risk evel | Risk Rating Relationship Manager/Branch Tow 0. Direct Sales Agent Medium 1 Interet High 3 Unexpected Seif Motivated High 3 19, Monthly expected amount of Transaction ofthe Account Holder “Transaction Amount in ‘Transaction Amount in | Risk Level] Risk Rating Al-Wadiah Current Account | Mudaraba Savings Account kin Lae) (thin Lae) 0-10 0. 7 10-50 5:20 1 250 $20 3 20, Monthly expected Namber of Transaction: ‘No. of Transaction in No. of Transaction in] Risk Level ] Risk Rating Al-Wadiah Current Account| Mudaraba Savings Account 0-100 0.20 Tow a 100-250 20-50 ‘Medium 1 > 250 > 50 High 3 21, Monthly expected amount of Gash Transaction: “Transaction in ALWadiah | ‘Transaction in Mudaraba | RiskTevel | Risk Rating Current Account (Tk. in Lac) | Savings Account (Tk. in Lac) 0-10, 02 Tow a 10-25 27 Medium 1 = 35 eT High 3 22, Monthly expected Number of Cash Transaction 'No. of Transaction in ‘No. of Transaction in| Risk Level] Risk Rating ALWadiah Current Account | Mudaraba Savings Account o-15 0-5 Taw 7 15:30) 3-10 Medium 1 $30 = 10 High 3 23, Overall Risk Assessment: Risk Rating Risk assessment S14 High =i Low Comment: (Under subjective consideration, a customer can be categorized into High Risk though his actual risk rating is less than 14, But due causes to be mentioned) 24. Has the Address(s) of Account Holder been verified? 25. Ifyes, how verified”: neon at 26. Politically Exposed Persons (PEPs) : (According to AML Circular No. 14) 4. Has the approval been obtained from the Senior Management, Yes/No b. Source of wealth: ‘ 7 peli c. Has the face to face interview of the customer been taken? YesiNo Prepared by: Reviewer: (Account Opening Officer/Relationship Manager) (Branch Manager/Chief of Operation) Signature (with Seal): Signature (with Seal) Name Name Date Date 27. When did you review and update the information regarding account for the last time? ‘Name of Reviewing & Updating Officer: Signature (with Seal) Name Date: GENERAL TERMS & CONDITIONS 1. The account will be operated as per Mudaraba Principles except Al-Wadiah CD Account. At least 65% of investment income will be distributed among the Mudaraba Depositors as per weightage allocated for each account. 2, Bank reserves right to change the weightage and the profit distribution principles as per Bank’ standard & policy. 3. The laws, rules and regulations of Bangladesh, custom and procedures appliceble to the scheduled bank in Bangladesh shall apply to and ‘govem the conduct ofthe account opened with bank, ' 4. Service charge or maintenance charge of account shall be levied by the bank fom time to time as per Bank's standard & policy. Bank reserves Tight to recover all costs and exponses (including collection fees and legal expenses) arising in any way in connection with the account, apart fom the government usual excise duty and other charges. . Though the Bank maintains strict confidentiality in all sffirs ofthe account and business, Bank shall always be ented to disslose any {information regarding customers" business and accounts held with the Bank to any ofthe fllowings- 4) any regulatory, supervisory, governmental or quasi governmental authority with the jurisdiction over the bank. 'b) any person to whom the bank is required or authorized by aw or cour order to make disclosure 6. Any change ofthe information furnished by the customer herewith must be notiied tothe bank immediately, otherwise the bank will ot be liable for the consequences, 7. The eustomer agrees thatthe hank will ot be liable for any loss or any damage i the bank is unable t provide services in connection with ‘any evstomers counts due t postal, courier, electrical, mechanical, telecommunications or by reason of act of god, catastophe, war, civil ‘or industrial disturbance, computer failure or any ther cause beyond Bank's conteol and that cannot be overcome by reasonable diligence ‘and without unusual expenses. 8. The Bank reserves right 1 lose any account without giving prior notice ifthe operation ofthe account is unsatisfactory inthe opinion of the Bank ot any other reason(s) whatsoever. The opinion passed by the bank inthis regard shal be final and conclusive and binding upon the custome, 9. The bank reserves right to amend the present rules at any time in any manner a it deems necessary with or without giving prior notice to the account hlder(s) separately oro the public, 10 In ease of death of account holders), the account Shall cease tobe operative andthe entire deposited amount with profi (if applicable) shall ‘be paid tothe nomince(s) as mentioned in the account opening form. Ifthe nominee is minor, the same shal be paid to the legal guardian of the minor. In other cases, the amount shall be released as per rules in force 11. Ifthe account is encashed/closed before declaration of yearly final rate of profit, the account holder() will be entitled to receive provisional rate of profit and Bank or account holders) shall not reserve say right o claim ational profi ifthe declared yearly final rate of profit varies from the provisional rate of profit. But the additional amount of profit may be allowed tothe account oldr(s) ifthe declared final rate of profit exceeds the provisional rate of profit and the account holders) claim the same in writing 12 The aditional tems & conditions ofeach account to be considered as integral part of terms & conditions as stated shove. We hereby acknowledge hat ve have ead and undestod the terms & conditions stated above and agreed to comply with them ADDITIONAL TERMS & CONDITIONS. |) AL-WADIAH Cb/MSDIMSTD ACCOUNT: 1, Deposit of Al-Wadish CD/MSD/MSTD Account will bear following weightage: 4) Deposit of A-Wadiah Current Account will be received on AI-Wadiah principles and weightage ofthe same will be zero and will not get any profit. The Bank reserves right to use the deposit of Al- Wadia Current Account 'b) Madaraba Savings Deposit wil bear 0.75 weightage, ‘) Madaraba Shoet Term Deposit wil bear 0.62 weightage 2, All instructions tothe bank regarding stop payment, issuance of chequchook, Bank Solvency Certificate, statement, o-lne trnstctons, balance inquiry ete, should be in writing. Bank may at the customer’ request, handover the cheque book, Bank Solveney Ceriticte, ‘statement etc in closed envelope to any person duly authorized by the customer. Any stop payment instruction received after payment of ‘the chequefistrament(s) will be considered as invalid 3. ‘The Bank may refs to process any transaction on any account ofthe customer ithe bank suspects fraud or illegality therein The decision ofthe bank with regards to whether the transaction is or is likely o he involved in fraud or imegularity shall be final and conclusive and | | | | binding on the customer 44. The customer must adserve proper documentation formalities before opening account withthe bank, No cheque book will be issued unless snd until ll the requited formalities ate completed 5. Al-Wadiah CD Account will be transferred to Dormant Status if it emsins inoperative for 01 (one) year “Muudaraba Savings Account will be transferred to Dormant Status if it remains inoperative fr 02 (two) years. 7. The bank reserves righ o close any account having zero balance and without transaction for OL (one) yess Signature of the Account holden’) Export Import Bank of Bangladesh Limited fi) MUDARABA TERM DEPOSIT RECEIPT ACCOUNT: 1 Any adult person (individually or jointly having sound mind or any institution/organiation can open MTDR Account with any branch of the bank by depositing at least Tk. 10,0001 (ten thousand) and above but multiple of Tk. LO (one hundred. 2, One or more account can be opened i the same name a the samo branch of the bank 3. Deposit of MTDR Account wil bear the following weightage "Tenure/period Weighiage ‘1 (one) month a8 5 Gree) months ORS 16 (x) months « TO (one) year to OF (res) years o 4. A specially designed Mudataba Term Deposit Receipt willbe isued favouring the depositors) atthe time of opening the account. The Account Holder must preserve the MTDR Receipt carefully. Incase of lost of MTDR Receipt, bank must be informed without dey and account holder may be allowed a duplicate recept of the same subject to submission ofan indemnity bond, Bank will apply due formalities, inthis regard. 5. Normally, deposited amount of MTDR is not encashable before maturity. If any depositor intends to encash hivher MTDR Receipt before ‘maturity due to certain unavoidable circumstances, the following tems & conditions will come into force: 8) No profit shall be allowed for premature encashment within 01 (one) month. ') Ifthe account is eneashed after completion of any tenure (es presribod by the bank) but before mari, depositor(s) will be entitled to receive fll benefit fr the immediate completed tenure atthe provisional rate of profit prescribed there-agains, For remaining period, depositors) will receive benefit atthe provisional rate of profit prescribed for Mudaraba Savings Account, ©) The provisional rate of profit of Mudaraba Savings Account will teat the provisional rate of profit, which was prevailed atthe time of ‘opening the MTDR Account 6. Incase of death of account holders), the nominee(s) may continue the account till maturity 7. Investment against len of such receipt may be allowed upto 90% of deposited amount subject to application of normal terms & conditions of| investment ofthe bank. 2 “Signatare oF Account Holders) iil) MUDARABA SUPER SAVINGS SCHEME 1. Any adult person (individually or jointly) having sound mind or any institutionorganization can open an MSSS Account with any branch of the bank by depositing atleast Tk. 5,000 five thousand) and its multiple amour. 2. One or more account can be opened in the same name atthe same branch of the bank, ‘Weightage for deposit of MSSS Account willbe 1.17 ‘A specially designed receipt willbe issued favouring the depositors) atthe time of opening the account. The account holder must preserve the receipt carefly In ase of lost of receipt, bunk must be informed without delay and account holder may be allowed a duplicate receipt ‘ofthe same subject to submission ofan indemnity bond. Bank will apply due formalities inthis egard 5. Tenure of Mudaraba Super Savings Scheme willbe 06 (six) years. Normally, deposited amount of MSSS is not encashable before maturity If ‘any depositor intends to encaslhisher receipt before maturity de to certin unavoidable circumstances, the following terms & conditions will come ito force: 4) No profit shall be allowed for premature encashment within 01 (one) year ) Profit shall be allowed at the provisional rate of Mudaraba Savings Account + 0.75% itis encashed after 01 (one) year but before 03 (three) years, ©) Profit shall be allowed atthe provisional rate of Mudaraba Savings Account + 1.00% if i is encashed after 03 (three) years but before ‘maturity 6. In case of death of account holders) the nominee(s) may continue the account til maturity 7. Investment against lin of such receipt may be allowed upto 90% of deposited amount subject to epplication of normal terms & conditions of investment ofthe bank, “Signature oF Ascount HoKdens) iy) MUDARABA MULTIPLUS SAVINGS SCHEME: |. Any adult person (individually or jointly) having sound mind or any institution organization can open an MMSS Account with any branch of ‘the bank by depositing atleast TK. 5,000'- (five thousand) and its multiple emount. ‘One or more aecount can be opened inthe same name at dhe same branch of the bank. ‘Weightage for deposit of MMSS Account will be 17. A specially designed receipt willbe issued favouring the deposiiors) atthe time of opening the account. The account holder must preserve the receipt carefully In cae of lost of recept, bank must be informed without delay and account holder may be allowed a duplicate receipt ‘ofthe same subject o submission of an indemnity hond. Bank will apply due formalities in ths regard 5. Tenure of Mudaraba Multiplus Savings Scheme will be 10 (ten) years. Normally, deposited amount of MMSS Account isnot encashable before maturity. If any depositor intends to encash hisyher receipt before maturity du to certain unavoidable circumstances, the following. terms & conditions will come into force: «No profit shal be allowed for premature encashment within O1 (one) year, 'b, Profit shall be allowed atthe provisional rate of Mudaraba Savings Account + 075% Tit is encashed after 01 (one) year but before 03 (tre) years. «Profit shal be allowed atthe provisional rte of Mudaraba Savings Account + 1.0% if is encashed afer 03 (thre) years but before 0S (Eve) years rian eden eee Gn enn) 4d. the accounts encashed after completing the tenure of Mudafaba Super Sevings Scheme but before maturity, depositors) will be entitled ‘to receive fll benefit for the completed tenure of Mudaraba Super Savings Scheme atthe provisional rate of profit prescribed there-agains. For remaining period, depositor(s) wil receive benefit a the provisional rate of profit prescribed for Mudaraba Savings Account 6. Incase of death of account holders), the nominee(s) may continue the account ll maturity. 7. Investment against lien of such receipt may be allowed upto 90% of deposited amount subject to application of normal terms & conditions of Jnvestment ofthe bank ‘Signature of Account Holders) ¥) MUDARABA MONTHLY INCOME SCHEME: 1._ Any dul person Gniviuelyo jointly) having sound mind o ny istituio/organization can opena Muéaraba Monthy Income Scheme (MIS) “Account with any branch ofthe bank by depositing at least Tk. 50,0001 (fifty thousand) and its maple amount on any day ofthe month 2. Benoit against the deposited amount ofthe account would be exited to the Mudaraba Savings Account of the clint maintsined with the ‘anch on the same day of every succeeding month as per following rate: “Amount of deposit (Tk.) ‘Monthly Expected Benefit (provisional) | 30,0007 3001= 7,00,0007= 1000 2.00,000- 2000 5,00,000/- 500K 10,00,000/- 100007 3. (One or more sceoun(s) can be opened in de same name a the same branch ofthe bank: 44. Weightage for deposit of MIS Account wil be 1.15. 5. Asspecially designed receipt will be issued favouring the depositors) a the time of opening the account. The eccount holder must preserve the receipt catefilly. Incase of lost of receipt, bank must be informed without delay and account holder may be allowed a duplicate reveipt ofthe same subject to submission ofan indemnity bond. Bank will apply due formalities in this regard. 6, Tenure of Maraba Montily Income Scheme wil be 03 (three) years. Normally, deposited umount of MIS Account is not eneashable before maturity. I any depositor intends to encash hisher receipt before maturity due to certain unavovdable circumstances, the following terms & conditions will come into force: 2) No profit shall be allowed fr premature encashment within OI (one) year +b) Profit shal be allowed at the provisional rate of Muara Savings Account 0.75% if tis encased afer (one year but before matury, 7, Imease of death of account holdr(s), the nominoo(s) may continue the account till maturity. In that ease, nominees) or legal guaran of minor ‘nomines(s) mist open & Mudaraba Savings Account withthe branch. The branch wil credit monthly benefit of deposited amount of the ‘account holder (deceased) tothe account opened by the nomine(s)legal guardian of minor nominees). 8, Investment againa len of such receipt may be allowed upto 80% of deposited amount subject to application of normal terms & conditions of investment ofthe bank. Benefit of Madaraba Monthly Income Scheme will be transferred to the related Account of the clients til full adjustment of total ability ‘Signature of Account Holders) ‘vi MUDARABA HAJJ SCHEME: |. Anadul person having sound mind can open one csount onlin hse single name with any ofthe branches of the bank ‘The tenure of Mudaraba Hajj Scheme will he 5,8, 10, 15 and 20 years. The clemt may choose any tenure and deposit the prescribed monthly installment to perform Haj in the predetermined year 3. The monthly installment amount prescribed inthe following table is calculated for different years considering the Hajj expense of 2008 for Tk, 2,20,000.00 and yeerly 6% increment there-against 2009 2010 T 20 woz 2018 ‘term |~Monthly | Amount | Monthly | Amount) Monty | Amount | Monthly | Amount | Monthly |” Amount Instaliment| Payable | Iatallment| Payable | lstallment| Payable | Installment] Payable | installment | Payable Zovears| 863,00 | 705000,00| 915.00 | 747000.00' 970,00] 792000.00/ 1028.00 | 840000.00| 1090.00] ¥90000.00| 15 Years | 1205.00 | 527000.00| 1277.00 | $59000.00| 1354.00] $92000.00| 1435.00 | 628000.00 | 1521.00] 666000.00] 10-Years | 1850.00 | 393000.00 1961.00 | 417000.00] 2079.00 442000.00| _ 2208,00 | 468000.00 | 2336.00] 496000.00' Years | 2325.00 | 350000.00 | 2465.00 | 371000.00 2612.00] 393000,00/ 2749.00,| 417000.00| _2835.00| 442000.00 ‘Years | 3725.00 | 294000.00 | 3949.00 | 312000.00] 4185.00] 331000.00] 4437.00] 351000.00] 4703.00] 372000.00 44, The client wil deposit amount as per installment size prescribed forthe yearn which the client desires to perform the Ha. 5. Profit agsinst balance of Mudaraba Hajj Scheme wil he credited on daily product basis andi wll bear 1.10 profit weightage 6. Ifany client desires to perform Halj before his predetermined year, the clint will deposit rest of the amount of Hajj expense fixed for that particular year considering the installment amount already deposited by te client 7. Ifthe client fils to perform Haj forany unavoidable citcunstance, the rate of profit prescribed for Mudaraba Haj Scheme will not be allowed agtinst hither deposited amount. In that ase, peoit against the deposited amount willbe ereited atthe provisional rate of profit prescribed for Mudaraba Savings Account, which was prevailed atthe time of opening the Haj Scheme 8. Nocheque book will be issued tothe elent asthe deposited amount of Mudaraba Flj Scheme is nt chequeable. 9, There willbe 12 installments ina yea and ascoedingly 60 installments for S years, 120 installments for 10 years and 240 installments for 20 yeas. 10. The clients required to densi the installment amount on or before Sth day ofeach oath. Ite lent wants to deposit the iatallment() in advance, te same will be received bythe bank but profit willbe allowed there-against considering the installment deposited for each succeeding moath 11 1 the client fais to deposit 03 (three) consecutive installments, the account will be considered as cancelled and profit against balance of ‘deposited amount wil be allowed at the provisional rate of profit prescribed for Mudaraba Savings Account. I the een fais to deposit two consecutive installments, the account will remain operative. But the recurrence of same instances twice a year or separately 0S (five) times in the selected tenure will ead the Bank to cancel the account. 12.1 the toal deposited amount along with profit given by the bank becomes higher than Hajj expense determined bythe respectiveuuthority for that particular year, the additional amount willbe given tothe client. On the other hand, the depositor mast beat the addtional amount if Hajj ‘expense determined bythe respective authority for that particular year becomes higher than the otal depesited amount along with profit given by the bank 13. An employeesstaff of Exim Bank is also allowed to open ths scheme. 14. Incase of death ofthe client, profit against depesited amount wil be allowed tothe nomince(s) tthe provisional rate of profit prescribed for ‘Mudaraba Savings Account. vil) MUDARABA MONTHLY SAVINGS SCHEME Signature of Account Holder 1. Anadult person having sound mind ean open one or more aecount() in iver single name at any branch ofthe bank with monthly install- ment as prescribed in clause 16 (sixteen ofthis section, 2, The tenure of Mudaraba Monthly Savings Scheme willbe $, 8, 10 and 12 years. The depositor wil have the option to chdose any tenure at the time of opening the account and it cannot be changed afterwards 3, Account can be opened inthe name of a minor under operation of a guardian, 4. Account can be opened in any working day of the month. But the subsequent installments to be deposited within the 10th day (incase of| holiday next working day) of each month. 5, Account opened within 10th day of the month will be considered as opened in that paniculae month. Ifthe account is opened after 10th day ‘ofthe month, the account willbe considered as opened inthe following month 6. Depositorcan give standing instruction to the hank fo transfer regular installment from hisIher account maintained with the branch provided ‘that bank il realize Tk, 100.00 from the deposifor’s account for one time inthe tenure of account. In ease of individual debit instruction, branch will realize Tk, 10.00 per instance from the depositors account. 7. Advance payment for any numberof instalments willbe received by the bank hut-profi wll he allowed there-against considering the instll- ‘ment deposited foreach suceeoding month. 8. No cheque book will be issued under the scheme asthe deposited amount of Mudaraba Monthly Savings Scheme isnot chequeable 9. Deposit oF MSS Account wil ear the following weightage: "Tenurelperiod Weightage (05 (ive) years 116 08 (eight) years LT 10 (ten) years Lis | 12 twelve). 119 10, Ifa depositor fis to deposit any installment in time, He/she wil be penalized with 2.00% per month on outstanding installment amount and must pay the installment(s) due as well as penalized amount wih the subsequent installment LU. Ifthe depositor fails vo deposit 03 (three) consecutive installments at any point of ime, ic wil eeae the right of depositor to remain within the ‘purview ofthe account and profit against balance of depesited amount wil be allowed as per tems & conditions mentioned in the following

    Anda mungkin juga menyukai