e¨w³K wnmve

Individual Account

gy`vivev †gqv`x Rgv wnmve (MTDRA) Mudaraba Term Deposit Receipt Account (MTDRA)

gy`vivev †mwfsm eÛ wnmve (MSBA) Mudaraba Savings Bond Account (MSBA)

gy`vivev GbAviwe †mwfsm eÛ wnmve (MNSBA) Mudaraba NRB Savings Bond Account (MNSBA)

gy`vivev gvwmK gybvdvwfwËK Rgv wnmve (MMPDSA) MudarabaMonthlyProfitDepositSchemeAccount(MMPDSA)

gy`vivev we‡kl mÂqx (†cbkb) wnmve (MSSA) Mudaraba Special Savings (Pension) Account (MSSA)

gy`vivev n¾¡ mÂqx wnmve (MHSA) Mudaraba Hajj Savings Account (MHSA)

gy`vivev †gvni mÂqx wnmve (MMSA) Mudaraba Mohar Savings Account (MMSA)

gy`vivev weevn mÂqx wnmve (MBSA) Mudaraba Bibaho Savings Account (MBSA)

F-26 (Revised)gy`vivev †gqv`x, eÛ I we‡kl w¯‹g

wnmve †Lvjvi dig

Mudaraba Term, Bond & Special SchemeAccount Opening Form

Page : 2 of 8

1. wnmve †Lvjvi Av‡e`b cÎ hv cÖ‡Z¨K Av‡e`bKvix‡K c~iY I ¯^v¶i Ki‡Z n‡e| (AOFtobefilledinandsignedbyeachapplicant)

2. cwiPqcÖ`vbKvixKZ©„KmZ¨vwqZcÖ‡Z¨KAv‡e`bKvixim¤cÖwZ†Zvjv2(`yB)Kwccvm‡cvU©mvB‡RiQwe|

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

3. RvZxqcwiPqcÎ/ˆeacvm‡cvU©/WªvBwfsjvB‡mÝ/A_evAb¨vb¨Qwem¤^wjZcwiPqc‡ÎiAbywjwc|

Copy of National ID Card/Valid Passport/Driving License/ or any other photo paste ID card .

4. Bmjvgxe¨vs‡Ki†h†KvbmÂqxA_evPjwZwnmveavixKZ©„KcwiwPwZcÖ`vb[cwiPq`vbKvixiwnmvewUwbqwgZn‡eGesKgc‡¶6gvma‡iwnmvecwiPvjbv

Ki‡Z n‡e]| Introduction by any Savings or Current Account holder of IBBL [who has been maintaining regular account for at least 6 months].

5. bwgbxevbwgbxM‡Yiwe¯ÍvwiZweeiYIAv‡e`bKvixKZ©„KmZ¨vwqZcÖ‡Z¨‡Ki1(GK)Kwccvm‡cvU©mvB‡RiQwe|

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

6. bvevj‡Kiwnmv‡ei†¶‡ÎRb¥mb`c‡ÎiAbywjwcGesAwffveKKZ©„KmZ¨vwqZm¤cÖwZ†Zvjvcvm‡cvU©mvB‡RiQwe|

IncaseofMinorAccount,photocopyofthebirthcertificateandrecentpassportsizephotographdulyattestedbytheguardian.

7. wnmvewVKvbvi¯^c‡¶mv¤cÖwZKBDwUwjwUwej(M¨vm,we`y¨r,Iqvmv,†Uwj‡dvb)GiAbywjwc(hw`_v‡K)|

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

8. nvjbvMv`wU.AvB.GbmvwU©wd‡K‡UiAbywjwc(hw`_v‡K)Photocopyofup-to-dateTINcertificate(ifany)

9. Av‡e`bKvixc`©vbkxbwkw¶Zgwnjvn‡je¨vs‡KiwbKUcwiwPZGgbMÖvnKKZ©„KcwiwPwZcÖ`vbKi‡Zn‡e|wbi¶igwnjvAv‡e`bKvixi†¶‡Î†PnvivD¤§y³

QwecÖ`vbKi‡Zn‡eGescÖ‡Z¨K†jb‡`‡bimgq†PnvivD¤§y³ivL‡Zn‡e|

A Pordanshin woman, if educated, has to be introduced by the client known to the Bank and if illiterate, has to submit face exposed photograph and keep her face open at the time of each transaction.

10. bvevjK wnmv‡ei †¶‡Î Av‡e`b cÎ wnmve cwiPvjbvKvix AwffveK KZ©„K ¯^v¶wiZ n‡Z n‡e|

In case of Minor Account, the application to be signed by its operator(guardian).

mKjKvMRcÎBs‡iRxevevsjvfvlvqn‡Zn‡e|Ab¨‡Kvbfvlvi†KvbKvMRevbw__vK‡jZvAby‡gvw`ZAbyev`KvixKZ©„KBs‡iRxevevsjvfvlvqAbyev`K‡iRgv

w`‡Z n‡e| (All the above documents submitted must be in English or Bangla.If the documents are in other language, it has to be translated into English or Bangla).

1. hvPvBGi¯^v‡_©cÖ‡qvR‡bDc‡ivwjøwLZKvMRc‡Îig~jKwcDc¯’vcbKi‡Zn‡e(Originalcopyofabovedocumentstobepresentedforverification).

2. NlvgvRv/KvUvKvwUi†¶‡ÎAv‡e`bKvixic~Y©¯^v¶i w`‡qcÖZ¨vwqZKi‡Zn‡e (In case of overwriting/cutting,it will be authenticated by the applicant’s full signature)

1. we‡`kx bvMwi‡Ki †¶‡Îcvm‡cvU©, ˆea wfmvIIqvK© cviwgUGiAbywjwc (we‡`kxcvm‡cv‡U©i †¶‡Î Óevsjv‡`‡kiRb¨ wfmvcÖ‡hvR¨ bqÓ)c„ôvwUmshy³

Ki‡Z n‡e| Copy of passport along with valid VISA/Work permit to be enclosed (in case of foreign passport, the page sealed with “no visa is required for Bangladesh” to be attatched).

2. PvKzixicÖgvYcÎ,DcvR©bmb`cÎ,†c-w¯øc,PvKzixiwb‡qvMcÎhv‡ZevrmwiKevgvwmKAvqewY©Z_v‡Kevme©‡klAvqKiwiUvb©digGiAbywjwc|Proofof

employment/income(employmentcertificate/payslip/employmentcontractmentioningannualincome/Bankstatementmentioningmonthlysalaryorlatesttax return)

wnmve †Lvjvi cÖ‡qvRbxq KvMRcÎ (Documents Required to open Account)

`ªóe¨ (Notes)

`ªóe¨ (Notes)

Awbevmx MÖvnK‡`i Rb¨ cÖ‡qvRbxq AwZwi³ KvMRcÎ (Additional Documents required for Non-Resident Customers)

Page : 3 of 8

e¨w³K wnmve (Individual Account)

1| wnmveavixi/cwiPvjbvKvixi bvg (evsjvq) :.................................................................................................................

In English (Block Letter) :...........................................................................................................2| Rb¥ZvwiL:....................................................................Rb¥¯’vb:...............................................

3| wcZvi bvg :...............................................................................................................................

4| gvZvi bvg :...............................................................................................................................

5| ¯^vgx/¯¿xibvg:............................................................................ˆeevwnKAe¯’v:...........................

6| RvZxqZv:.....................................7|wj½:[wUK(√) w`b cyiæl gwnjv Z…Zxqwj½

(wnmvecwiPvjbvKvixwe‡`kxbvMwiKn‡jwfmvmncvm‡cv‡U©iKwcAvewk¨Kfv‡eMÖnYKi‡Zn‡e)

8| †iwm‡W›U÷¨vUvm[wUK(√) w`b] †iwm‡W›U bb-†iwm‡W›U

(cÖ‡qvRbxq†ÿ‡Îe¨vsKKZ…©KMvBWjvBbmdid‡ibG‡·‡PÄUªvb‡RKkÝ-Giwb‡`©kbvAbymiYKi‡Zn‡e)

9| †ckv(we¯ÍvwiZ):......................................................................................cÖwZôv‡bimv‡_m¤úK©.............................

10| gvwmK Avq : (we¯ÍvwiZ `wjjvw`mn cÖ‡hvR¨ †ÿ‡Î)........................................................................................................

11| A‡_©iDrm:(we¯ÍvwiZ).........................................................................................................................................

12| U¨v·AvBwW(eTIN)hw`_v‡K:...............................................................................................................................

13| MÖvnK FATCA cwicvj‡biRb¨†hvM¨wKbv[wUK(√) w`b] n¨uv bv|

DËinu¨vn‡j FATCA cwicvjbAek¨BwbwðZKi‡Zn‡e|MÖvnK/wnmvecwiPvjbvKvixi Proof of Address Gi¯^c‡ÿWKz‡g›UmmsMÖnKi‡Zn‡e|

14| (K) eZ©gvb wVKvbv (Avevm¯’j):moK/MÖvg:...........................................†cv:..............................._vbv:..........................

†Rjv:...................................†dvb/†gvevBjb¤^i:..................................B-‡gBj:................................................

(L) ’vqxwVKvbv:moK/MÖvg:............................................................†cv:..............................._vbv:...........................

†Rjv:...................................†dvb/†gvevBjb¤^i:..................................B-‡gBj:................................................

15| cwiwPwZ c‡Îi Abywjwc : RvZxq cwiPqcÎ cvm‡cvU© Rb¥wbeÜbm`bcÎ

Ab¨vb¨(wbw`©ófv‡eb¤^imnD‡jøLKiæb):..................................................................

*cwiwPwZcÎhvPvBKivn‡q‡QwKbv[wUK(√) w`b] n¨uv bv|

16|cwiPq`vbKvixiZ_¨(RvZxqcwiPqcÎe¨ZxZAb¨vb¨cwiwPwZcÎcÖ`v‡bi†ÿ‡Î):

(K)bvg:.............................................................(L)wnmve/RvZxqcwiPqcÎ/Ab¨vb¨cwiwPwZcÎb¤^i(Rb¥ZvwiLmnD‡jøL

Kiæb): .............................................................................................................................................................

¯^vÿi (ZvwiLmn) :..............................................................

17| wnmveavix bvevjK n‡j:

AvwgwbgœewY©ZwnmveavixiˆeaAwffveKwn‡m‡eGBg‡g©†NvlYvKiwQ‡h,wnmveavixbvevjK|ZvicÖ‡qvRbxqZ_¨mshy³di‡g

cÖ`vbKivn‡jv|wnmveavixmvevjKbvnIqvch©šÍwKsevAvgvicieZ©x†Nvlbvbv†`qvch©šÍAwffveKwn‡m‡ewnmvewUAvgvi¯^v¶‡i

cwiPvwjZ n‡e| (AwffveK ej‡Z evev A_ev gv A_ev Df‡qi AeZ©gv‡b Ab¨ ‡Kvb AvBbMZ AwffveK‡K eySv‡e)

K)Awffve‡Kibvg:.......................................................................(L)bvevj‡Kimv‡_m¤úK©:.............................

e¨w³ msµvšÍ Z_¨vw`

1

(Customer Information)

e¨e¯’vcK,

The ManagerBmjvgxe¨vsKevsjv‡`kwjwg‡UW

Islami Bank Bangladesh Limited........................................ kvLv (Branch)wcÖq g‡nv`q (Dear sir),AvmmvjvgyAvjvBKzg(Assalamu Alaikum.),Avwg/AvgivAvcbvikvLvqGKwUwnmve†LvjviRb¨Av‡e`bKiwQ|Avgvi/Avgv‡`iwnmvemsµvšÍIe¨w³MZwe¯ÍvwiZZ_¨wb‡¤œcÖ`vbKiwQ:

BDwbKMÖvnKAvBwWb¤^i:.............................................

evsjv‡`ke¨vsK†m±i†KvW:..................................

(e¨vs‡Ki e¨env‡ii Rb¨)

wnmve †Lvjvi mv‡_ mswkøó Kg©KZ©vi ¯^vÿi/Aby¯^vÿi

1. wnmveavix/cwiPvjbvKvixGKvwaKn‡jcÖ‡Z¨‡KiGeswnmveavixbvevjKn‡jwnmveavixiAwffveK(evevA_ev

gvA_evAb¨†KvbAvBbMZAwffveK)Gie¨w³msµvšÍZ_¨vw`c„_Kfv‡emsjMœxwn‡m‡ehy³Ki‡Zn‡e|

m`¨‡Zvjvcvm‡cvU©

mvB‡RimZ¨vwqZQwe

Recent passport size photograph

(Duly attested bythe Introducer)

ZvwiL:.............................

.............................................kvLv (Branch)

Page : 4 of 8

wnmve msµvšÍ Z_¨vw` (Accounts Information)

gy`vivev †gqv`x, eÛ I we‡kl w¯‹g wnmve †Lvjvi dig

Mudaraba Term, Bond & Special Scheme Account Opening Forme¨w³K wnmve (Individual Account)

ZvwiL:.............................

wnmveb¤^i:..........................................

BDwbKMÖvnKAvBwWb¤^i:..........................................

(e¨vs‡Ki e¨env‡ii Rb¨)

1| wnmv‡ei wk‡ivbvg (evsjvq) : (Title of Account) ........................................................................................................

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

3| wnmv‡ei †gqv` (Tenure of Account) t K. MTDRA n‡j[wUK(√) w`b] 1 (&GK) gvm 3 (wZb) gvm 6(&Qq)gvm 12 (&evi) gvm 24 (&PweŸk) gvm 36(&QwÎk)gvm 100 w`b 200 w`b 300 w`b

L. MSBA/MNSBA n‡j[wUK(√) w`b] 5(cuvP)eQi 8(cuvP)eQi

M. MMPDSA n‡j[wUK(√) w`b] 3(wZb)eQi 5(cuvP)eQi

N. MSSA/MMSA/MBSA n‡j[wUK(√) w`b] 3(wZb)eQi 5(cuvP)eQi 10(`k)eQi

O. MHSA wnmv‡ei†ÿ‡Î†gqv`(1-25eQi)D‡jøLKiæb:............................................................................................

4| K. †gqv`x Avgvb‡Zi †¶‡Î cÖ‡hvR¨ :

i)UvKvicwigvb(As‡K)..........................(K_vq)..................................................gybvdvinvi(cÖwfkbvj).................................. ii) †gqv` c~wZ©i ZvwiL (Date of Maturity) :............................................................................................................................. iii) bevq‡bi †¶‡Î : Avmj gybvdvmn bevqb Kiæb ïaygvÎ Avmj bevqb Kiæb

gybvdv......................b¤^iwnmv‡eRgvKiæb cÖ‡hvR¨ b‡n

L. mÂqx w¯‹g/we‡kl w¯‹g Gi †¶‡Î cÖ‡hvR¨ :

i)MÖvnKKZ©…KcÖ‡`qwKw¯Íiwd«‡Kv‡qwÝ:.............................................wKw¯ÍimsL¨v:................................................. ii)wKw¯Íicwigvb:(As‡K)....................................(K_vq)................................................................................... iii)GKKvjxbRgv:(As‡K)...................................(K_vq)................................................................................... iv)cwi‡kv‡aiwd«‡Kv‡qwÝ:..................................................cwi‡kva¨wKw¯ÍimsL¨v...................................................5| wnmvecwiPvjbvc×wZ[wUK(√) w`b] :

GKKfv‡e

†hŠ_fv‡e

†h †Kvb GKRb

†h†KvbGKRbA_evRxweZRb

Ab¨vb¨ ..................

6| AvaywbKe¨vswKsmyweav[wUK(√) w`b]. Online Service ATM Service i-Banking SMS Service Others (Modern Banking Facility)

7| cÖv_wgKRgvicwigvY(As‡K)..........................................(K_vq).............................................................................

8| we‡klwb‡`©kbv(hw`_v‡K).....................................................................................................................................

2| wnmv‡eicÖK…wZ(wUK(√) w`b):

Nature of Account (please tick):

gy`vivev †gqv`x Rgv wnmve (MTDRA) Mudaraba Term Deposit Receipt Account (MTDRA)

gy`vivev †mwfsm eÛ wnmve (MSBA) Mudaraba Savings Bond Account (MSBA)

gy`vivev GbAviwe †mwfsm eÛ wnmve (MNSBA) Mudaraba NRB Savings Bond Account (MNSBA)

gy`vivev gvwmK gybvdvwfwËK Rgv wnmve (MMPDSA) MudarabaMonthlyProfitDepositSchemeAccount(MMPDSA)

gy`vivev we‡kl mÂqx (†cbkb) wnmve (MSSA) Mudaraba Special Savings (Pension) Account (MSSA)

gy`vivev n¾¡ mÂqx wnmve (MHSA) Mudaraba Hajj Savings Account (MHSA)

gy`vivev †gvni mÂqx wnmve (MMSA) Mudaraba Mohar Savings Account (MMSA)

gy`vivev weevn mÂqx wnmve (MBSA) Mudaraba Bibaho Savings Account (MBSA)

wnmve †Lvjvi mv‡_ mswkøó Kg©KZ©vi ¯^vÿi/Aby¯^vÿi

.............................................kvLv (Branch)

Page : 5 of 8

1| bwgwbmsµvšÍZ_¨vejx: (Nominee Information)Avwg/Avgiv G wnmv‡eiA_© Avgvi/Avgv‡`i g„Zz¨i ci wb‡¤œ ewY©Z e¨w³/e¨w³MY‡KcÖ`v‡biRb¨ g‡bvbxZKijvg|Avwg/Avgiv

DwjøwLZg‡bvbqb†h†KvbmgqevwZjevcwieZ©‡biAwaKvimsiÿYKwi|Avwg/AvgivGBg‡g©Av‡ivm¤§wZÁvcbKiwQ†h,Avgvi/

Avgv‡`iGwb‡`©kbv†gvZv‡eKe¨vsKA_©cÖ`vbKi‡eGesA_©cwi‡kvaKivn‡jmswkøóAvgvbZm¤úwK©ZhveZxq`vqcwi‡kva

n‡q‡Qe‡jMY¨n‡e|

K) bwgwbibvg:..............................................Rb¥ZvwiL:.......................Rb¥¯’vb..........................

L)¯’vqxwVKvbv:.........................................................................................................................

M) eZ©gvb wVKvbv :......................................................................................................................

N) kZKiv nvi (bwgwb GKvwaK n‡j) : ............................................................................................

O) wnmveaviximv‡_m¤úK©:...........................................................................................................

P) RvZxqcwiPqcÎb¤^i/cvm‡cvU©b¤^i/Rb¥wbeÜbb¤^i/Ab¨vb¨(wbw`©ófv‡eb¤^imnD‡jøLKi‡Zn‡e):...............................

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

2| bwgwbbvevjKn‡jZvi/Zv‡`ibvevjK_vKvAe¯’vqwnmveavix/wnmveavixM‡Yig„Zz¨i†ÿ‡Îe¨vsK†Kv¤úvbxAvBb1991Gi103(2)

avivAbyhvqxbwgwbic‡ÿAvgvb‡ZiA_©MÖnYKvixiZ_¨:

K) bvg :............................................................................................................................................................

L)¯’vqxwVKvbv:..................................................................................................................................................

M)RvZxqcwiPqcÎb¤^i/cvm‡cvU©b¤^i/Rb¥wbeÜbb¤^i/Ab¨vb¨(wbw`©ófv‡eb¤^imnD‡jøLKi‡Zn‡e):.................................

N)bwgwbimv‡_m¤úK©:......................................................................................................................................

[bwgwb msµvšÍ Z_¨vw`

2

(Information of Nominee)]

wnmveavix KZ©„K

mZ¨vwqZ

bwgwbi

Qwe

[†NvlYv I ¯^vÿi (Declaration and Signature)]

[ e¨vs‡Ki e¨env‡ii Rb¨ (For Bank’s use only) ]

Avwg/AvgivmÁv‡b†NvlYvKiwQ†h,DwjøwLZZ_vw`mZ¨|Avwg/Avgive¨vs‡KiPvwn`v†gvZv‡eKcÖ‡qvRbxqZ_¨/`wjjvw`mieivnKie|

Av‡e`bKvix(MY)

3

Gi bvg, ¯^vÿi I ZvwiL (mxjmn):

1| ............................................. 2| ............................................. 3| .............................................. 4| ............................................

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

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

gšÍe¨ :.....................................................................................................................................................................

Aby‡gv`bKvix Kg©KZv©i

(bvghy³ mxjmn ¯^vÿi I ZvwiL)

wnmve †Lvjvi mv‡_ mswkøó Kg©KZ©v

(bvghy³ mxjmn ¯^vÿi I ZvwiL)

wnmveb¤^i:............................................

(e¨vs‡Ki e¨env‡ii Rb¨)

2. bwgwbGKvwaKn‡jdi‡giGBAskd‡UvKwcK‡ig~jAs‡kimv‡_mshy³Ki‡Zn‡e|

3. wnmveavixbvevjKn‡jAv‡e`bKvixi¯^vÿ‡ii¯’‡jwnmveavixiAwffveK¯^vÿiKi‡eb|

Page : 6 of 8

kZ©vejx (Conditions)1. GwUwnmveavixMÖvnKGesBmjvgxe¨vsKevsjv‡`kwjwg‡U‡Wig‡a¨m¤úvw`ZBmjvgxkixqvnwfwËKGKwUgy`vivevPzw³(This is a Mudaraba contract based on

Islamic Shariah accomplished between the account holder and Islami Bank Bangladesh Limited). K. GLv‡bwnmveavixMÖvnKn‡”QÔmvwneAvj-gvjÕ(A‡_©igvwjK)Gese¨vsKn‡”QÒgy`vwieÓ(KvievimsMVK)[In the contract, the account holder is called

‘Shaheb Al Maal’ (Owner of the fund) and the Bank is ‘Mudarib’ (Entrepreneur/Business Organizer). L. BmjvgxkixqvnewY©ZbxwZgvjviwfwˇZe¨vsKGBA_©RgvMÖnYK‡iGesRgvK…ZA_©kya~gvÎBmjvgxkixqvn&m¤§Zfv‡ewewb‡qvMK‡i(Bank receives the

fund on the basis of Islamic Principle and invests the same in accordance with the guidance of Islamic Shariah). M. e¨vsKgy`vivevZnwejwewb‡qvMK‡icÖvßAv‡qiKgc‡¶kZKiv65fvMgy`vivevwnmveavix‡`ig‡a¨I‡q‡URwfwˇZe›UbK‡i|wewb‡qv‡M†jvKmvbn‡j

gy`vivev wnmveavixMY Zv enb K‡i (Bank distributes minimum 65% of its earned income based on weightage to the Mudaraba account holder through the investment of Mudaraba fund. Loss will be born by Mudaraba account holder).

N. e¨vsKwb‡¤œewY©Zwbq‡gRgvK…ZA_©Igybvdv†dircÖ`vbKi‡e(Bankwillreturndepositedfundandprofitinthewaysstatedbelow). O. GQvovBmjvgxkixqvn&ewY©Zgy`vivevPzw³iAb¨vb¨kZ©vejxcÖ‡hvR¨n‡e (The other conditions of Mudaraba principle stated in the Islamic Shariah will also

be applicable in this contract). P. †hkvLv†_‡KMTDR/MSB/MNSB/MMPDS µqKivn‡q‡QïaygvΆmkvLv†_‡Kfv½v‡bvevbM`vqbKivhv‡e,†KvbAe¯’vqBAb¨kvLvqwnmvewU ’vbvšÍi

Kiv hv‡ebv| MTDR/MSB/MNSB/MMPDS can be encashed only to the branch from which the same is purchased, account will not be transferred to other Branch.

2. evrmwiKPzovšÍjv‡finvi†NvwlZnIqvic~‡e©†KvbRgvwnmveeÜKivn‡jD³RgvKvixmvgwqKnv‡ijvfwb‡Zeva¨_vK‡eb|Z‡egybvdviPzovšÍnvi†Nvlbvi

c‡i†NvwlZPzovšÍnvicÖ`ËmvgwqKnv‡ii†P‡q†ekxn‡jZvMÖvnK‡KcÖ`vbKivnq|†m‡¶‡ÎMÖvnK‡KmvavibZ:GKwUgy`vivevmÂqxwnmve/Avj-Iqvw`qvn

PjwZ wnmve cwiPvjbv Ki‡Z n‡e (Ifanyaccountisclosedbeforefinalizationofannualprofit-lossoftheBank,profitisdistributedathigherratetotheaccountholderwhenfinaldeclaredprofitratewouldbegreater thantheprovisionalrate.In thatcase,customerhastomaintainaMudarabaSavingsAccount/Al-Wadeeah Current account).

3. e¨vsK†KvbiƒcKvib`k©v‡bve¨wZZ†h†KvbwnmveeÜKi‡Zcvi‡eGesGRb¨†Kvb†bvwUkcÖ`vbKivn‡ebv (Bank can close any account without showing any reason to the Account holder, in this regard Bank is not required to issue any notice).

4. †KvbRgviDciMÖvn‡Kiwnmve†_‡Ke¨vsKhvKvZcÖ`vbK‡ibv|MÖvnK‡KwbR`vwq‡Z¡hvKvZcÖ`vbKi‡Zn‡e(Bank does not pay ‘Zakat’ from any customer’s deposit Account . The customer himself will be held responsibile for payment of ‘Zakat’ from his/her Account).

5. wnmveavixiwVKvbvi†KvbcwieZ©bn‡jAwej‡¤^Zve¨vsK‡KRvbv‡Zn‡e|e¨vsKmvavibZWvK/Kzwiqvi†hv‡Mwnmveaviximv‡_†hvMv‡hvMK‡i|WvK/Kzwiqvi

†hv‡M†cÖwiZ†KvbwPwVcÎh_vmg‡qevAv‡`Šwewjbvn‡je¨vsK`vqx_vK‡ebv|e¨vsKwnmve†_‡KmiKvixwbqgvbyhvqxf¨vU,KievïéKZ©bKivn‡e (The customer has to inform the Bank immediately, if any change occurs in the addressed of the account holder. Bank generally communicates with the Account Holder through postal/courier service. Bank will not be held responsible, if no letters/documents are delivered in time or at all through postal/courier service).

6. wnmveavixKZ©„KZvig„Zz¨iciRgvK…ZUvKvcÖ`v‡biRb¨bwgbxg‡bvbxZKi‡Zcvi‡eb|wnmveavi‡Kig„Zz¨icimswk¬ównmv‡eiRgvK…ZA_©D‡Ëvj‡biRb¨

bwgbxKZ…©KZviAv‡e`bc‡Îimv‡_g‡bvbq‡bi¯^c‡¶cÖgvb¯^iƒcwbgœwjwLZKvMRcÎ/`wjjvw``vwLjKi‡Zn‡e|G‡¶‡ÎbwgbxKZ©„K†KvU©cÖ`ËDËivwaKvi

mb``vwLjKivicÖ‡qvRb†bB|(K)wnmveavixig„Zy¨RwbZmb`cÎ|cÖev‡mg„Zz¨n‡jmb`cÎmswk¬ó†`‡kAew¯’Zevsjv‡`k`~ZvevmKZ©„KcÖwZ¯^v¶wiZn‡Z

n‡e|(L)bwgbxicwiwPwZi¯^c‡¶e¨vs‡Ki`yBRbm¤§vwbZMÖvnKA_eve¨vs‡Ki`yBRbKg©KZ©vA_ev¯’vbxqBDwbqbcwil`†Pqvig¨vb/wmwUK‡c©v‡ikbev

wgDwbwmc¨vwjwUiIqvW©KvDwÝjiKZ©„KcÖ`Ëmb`cÎ|(M)bwgbxicvm‡cvU©AvKv‡iimZ¨vwqZQwe|(N)bwgbxKZ©„KB‡ÛgwbwUeÛcÖ`vb|(The Account holder can nominate nominee to withdraw the remaining balance of those Accounts after the death of the constituent(s). The following documents as well as application as per nomination must be submitted by the nominee at the time of withdrawal of the remaining balance of the concerned account. In such case, thenomineeisnotrequiredtoproducesuccessioncertificateissuedbytheCourt(a)DeathcertificateoftheAccountholder.Incaseofdeathintheforeignland,DeathCertificatesignedbytheBangladeshEmbassyoftheconcernedcountryhastobeproduced)(b)CertificateinfavourofnomineeissuedbytwovaluedcustomersortwoofficialsoftheBankorChairmanofUnionParishad/CityCorporationorWardCouncilorofMunicipality)(c)Attestedpassportsizephotograph of nominee) (d) Indemnity Bond to be signed by the nominee).

7. gvwbjÛvwiscÖwZ‡ivaAvBb2012(2015Gims‡kvabxmn),mš¿vm we‡ivaxAvBb2009(2012-2013Gims‡kvabxmn)I wewagvjv2013I ‡`kx-we‡`kx

dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU (weGdAvBBD), evsjv‡`k e¨vsK KZ©„K mg‡q mg‡q RvixK…Z mvK©yjvi/bxwZgvjv Abyhvqx MÖvnK e¨vs‡Ki Pvwn`v †gvZv‡eK

†h†KvbZ_¨mieivnKi‡Zeva¨_vK‡eb|e¨vsK†h†Kvb†i¸‡jUixA_wiwUiPvwn`vAbyhvqxZ_¨cÖ`vbKi‡Zcvi‡e (Customer is obliged to submit any information as per demand of the Money Laundering Prevention Act-2012(amended 2015), Anti Terrorism Act-2009 (amended 2012-2013), Rules -2013, Local/ForeignFinancialIntelligenceUnit(FIU)andCirculars/RulesissuedtimetotimebyBangladeshBank)|TheBankcanprovidetheaccountinformationto the Regulatory Authority, on demand).

8. 1991mv‡jie¨vsK†Kv¤úvbxAvBbAbyhvqx10(`k)eQiIZ`yaŸ©†gqv`ch©šÍ†Kvbwnmve†jb‡`bbvn‡jmswk¬ównmvewUA`vexK…Z(Unclaimed) wnmv‡e Mb¨

K‡iD³wnmv‡eiw¯’wZevsjv‡`ke¨vsK¯’vbvšÍiK‡i†`qvnq|(If no transaction is happened in an account for 10 years or more than that, the account will be treated as an unclaimed Account as per Bank Company Act-1991 and the balance of that particular Account will be transferred to the Bangladesh Bank).

9. †KvbAe¯’v‡ZBwnmv‡eig~j¨gvbI†gqv`cwieZ©bKivhv‡ebv|cÖ‡qvR‡bbZzbwnmve†Lvjv†h‡Zcv‡i (The amount and tenure will not be changed in any case. New account will be opened, if requred).

10. we‡kl¯‹xg,eÛI‡gqv`xwnmvecwiPvjbvi†¶‡Î†Kvb†PKeBcÖ`vbKivnqbv(No cheque book will be issued in operating Special Scheme, Bond and Term account).

11. e¨vsKwnmvemsµvšÍ†h†KvbwbqgvejxcwieZ©b,cwiea©b,ms‡kvabevevwZjKi‡Zcvi‡eGeswnmveavixZv†g‡bPj‡Zeva¨_vK‡eb|(The Bank can change, add, amend or nullify any rules related to account and the account holder is obliged to abide by the instruction made by the Bank in this regard at any time).

we‡kl ¯‹xg cwiPvjbvi wbqgvejx (Applicable rules for Special Scheme):1. my¯’gw¯Í¯‹m¤úbœ †h†KvbcÖvßeq¯‹evsjv‡`kxbvMwiK wbRbv‡ggy`vivev we‡klmÂqx(†cbkb)cÖKí wnmve,†gvnimÂqx wnmve,nR¡mÂqx wnmveLyj‡Z

cvi‡eb|GgGmGm,†gvniIn‡R¡i†¶‡ÎwnmvewUGKKe¨w³bv‡gLyj‡Zn‡e|†gvniwnmv‡ei†¶‡ÎAv‡e`bKvixweevwnZn‡j,Zvi¯¿xibv‡gwnmveLyj‡Z

n‡eI¯^v¶iKv‡W©¯^vgxI¯¿xDf‡qibgybv¯^v¶icÖ`vbKi‡Zn‡eGesAweevwnZn‡jwbRbv‡g†gvniwnmveLyj‡Zcvi‡eb|Z‡ewnmvewUeÜKivimgq

weevnmsµvšÍ`wjjDc¯’vcbKi‡Zn‡eGes†gqv`c~wZ©ic~‡e©ev†gqv`c~wZ©ic‡iïaygvί¿xiGKK¯^v¶‡iBUvKvD‡ËvjbKivhv‡e|Ab¨_vqwnmvewU

gy`vivevwe‡klmÂqx(†cbkb)cÖKíwnmv‡einv‡ijvfcÖ`Ën‡e| (An adult person having sound mind can open Mudaraba Special Savings(Pension) Scheme, Mohor Savings Account, Hajj Savings Account in his name. An account must be opened in individual name in case of MSS, Mohor and Hajj. If applicant is married, Mohor Account will be opened in the name of his wife and both are required to sign in the specimen signature card and unmarried person can open Mohor Account in his own name. But the account holder is required to produce marriage related documents at the time of closing the account and fund can be withdrawanbysignatureofwifeonlybeforeandafterelapsingmaturity.OtherwiseprofitwillbedistributedattherateofMudarabaSpecialSavings(Pension)Scheme Account.

cÖ‡hvR¨ wbqgvejx (Applicable Rules)

Page : 7 of 8

2. bvevjK/bvevwjKvi(†gvniwnmveev‡`)bv‡gIZviwcZv/gvZv/ˆeaAwffveKMYGwnmveLyj‡Zcvi‡eb|Gwnmv‡eiMw”QZUvKvZv‡KA_evg„Zy¨iciZvi

g‡bvbxZRxweZe¨w³‡KcÖ`vbKivn‡e|g‡bvbxZe¨w³bvevjK/bvevwjKvn‡jGesbvevjK/bvevwjKv_vKvAe¯’vqAvgvbZKvixig„Zz¨iciAvgvb‡ZiA_©†K

MÖnYKi‡Zcvi‡ebZ`m¤ú‡K©wZwbwjwLZfv‡ewb‡`©kcÖ`vbKi‡eb|Legal guardian or parents can open this account (except Mohor Account) in the name of the Minor. The nominee of the Account can be allowed to withdraw the remaining balance. Account holder must provide written instruction in favour of the person who can receive the deposited balance after his/her death, when the nominee is minor.

3. cÖ‡Z¨KAvgvbZKvix‡KcÖwZgv‡mic‡njvZvwiLn‡Z†klZvwi‡Lig‡a¨gvwmKwKw¯ÍiA_©RgvKi‡Zn‡e|gv‡mi†klZvwiLmiKvixQywUiw`bn‡jc~e©eZ©x

Kvh©w`e‡mwKw¯ÍiA_©RgvKi‡Zn‡e|MÖvnKB‡”QKi‡jwKw¯ÍiUvKvAMªxgcÖ`vbKi‡Zcv‡ib|RgvK…ZAMÖxgwKw¯ÍiDcijvfcÖ‡`qn‡e|†P‡Kigva¨‡g

Rgvi†¶‡ÎUvKvmswk¬ógv‡mi†klZvwi‡Lig‡a¨msM„nxZbvn‡jD³RgvKvix‡KHgv‡miRgviRb¨†Ljvcxwnmv‡eMY¨Kivn‡e| Each account holder must deposit his installment within the 1st to the last date of each month. Customer will deposit the installment in the previous working day of the month, if thelastdayofthemonthisGov’tholiday.Customercandepositthemonthlyinstallmentinadvance.Profitwillbedistributedontheadvanceinstallment.Theinstallment will be treated as irregular, if installment of the particular month is not collected within the last day of the month through cheque.

4. wjwLZAv‡e`bc‡ÎKviY`k©v‡bvc~e©K50/-UvKvwdRgvw`‡qAvgvbZKvixe¨vs‡KiGKkvLvn‡ZAb¨kvLvqwnmve¯’vbvšÍiKi‡Zcvi‡eb|†gqv`c~wZ©ic~‡e©

†h†Kvbmgqmswk¬ównmvekZ©mv‡c‡¶50/-UvKvmvwf©mPvR©w`‡qMÖvnKwnmveeÜKi‡Zcvi‡eb|Account holder can transfer the account from one branch to another through submitting written application mentioning the reason by depositing Tk.50.00 as fee. Customer can close the account any time after giving required fees of Tk.50 before maturity.

5. GBcÖK‡íiAvIZvqAvgvbZKvixmswk¬ókvLvqmsiw¶ZZviwnmve†_‡KwbqwgZwKw¯ÍcÖ`v‡biRb¨kvLvq¯’vqxwb‡`©kbv(Standing Instruction) cÖ`vb Ki‡Z

cvi‡e|cÖwZwUStanding Instruction eve`5/- UvKvmvwf©m PvR©cÖ`vbKi‡Zn‡e| In the scheme, account holder can provide Standing Instruction to the concerned branch for payment of regular installment from the account maintained in the branch. In this regard Bank can realize Tk.5.00 as service charge per Instruction.

¯‹xg

(Scheme)†gqv`

(Tenure)wKw¯Íi cwigvY

(Amount of Installment)†gqv‡`i c~‡b©i c~‡e© wnmve e‡Üi cÖ‡`q jv‡fi nvi

(Rate distributled for account closure before maturity)¯^qswµq wnmve eÜKib

(Automatic closure of account)eÜ wnmve c~b:ˆeaKib

(Revalidation of closed account)

†gvni

(Mohor)5I10eQi

(5 & 10 years)500UvKv,1000UvKvIGi¸wbZK

m‡e©v”P5000UvKvch©šÍ

(Tk.500,Tk.1000 & upto its multiple amount maximum Tk.5000)

* 1eQ‡iiKgn‡jAvmjUvKv|(Principal amount, less than 1 year)

* 1eQ‡ii†ekxwKš‘5eQ‡iiKgn‡jmÂqx

wnmv‡ei nvi| (Rateofprofitofsavingsaccountisapplicable for above 1 year but less than 5 years)

* 5eQ‡ii†ekxwKš‘†gqv`c~b©nqwb†m‡ÿ‡Î5

eQi†gqv`xwnmv‡einviIAwZwi³†gqv‡`iRb¨

mÂqx wnmv‡ei nvi cÖ`Ë n‡e| (In case of more than 5 years and when full tenure is not elapsed, inthatcase,rateofprofitoftermaccountfor5years will be applicable and saving rate will be imposed for the rest of the years)

* 1geQ‡i:1wKw¯Í†Ljvcx

n‡jIGKBeQi†Ljvcxi

c~bive„wË n‡j| For 1st year : If 1(one) installment is overdue and it occurs again in the same year.

* 1eQici:cici3wKw¯Í

†Ljvcx n‡j| After 01 (one) year: If installment is overdue for 3 times consecutively

* 1geQi:Kvib`k©v‡bvmv‡c‡ÿ2wKw¯ÍGKmv‡_

MÖnb Kiv †h‡Z cv‡i For 1st year: 2 (two) installments can be received by showing reason.

* 1eQici:Kvib`k©v‡bvmv‡c‡ÿ4wKw¯ÍGKmv‡_

MÖnY Kiv †h‡Z cv‡i After one year: 4(four) installments can be received by showing reason.

* 5eQi†gqv`xwnmv‡ei†ÿ‡Îm‡e©v”P5eviGes10

eQi†gqv`xwnmv‡ei†ÿ‡Îm‡e©v”P10evic~b:ˆea

Kiv †h‡Z cv‡i| Account can be revalidated by

giving installment maximum 5 times for Term Account for 5 years and 10 times for Term Account for 10 years.

nR¡

(Hajj)1-25eQi

(1- 25 years)eQiwfwËK

(Year wise)* ci ci 3 wKw¯Í †Ljvcx n‡j mÂqx wnmv‡ei nv‡i| (if

installment is overdue for 3 times consecutively) * †KvbeQ‡i†Ljvcxi

cybive„wË n‡j| If installment is overdue more than once in a year

* MÖvn‡KiKvib`k©v‡bvIe¨e¯’vc‡Kimš‘wó

mv‡c‡ÿ c~b‰eaKib Kiv †h‡Z cv‡i| Account can be revalidated as per reason shown by the customer as well as satisfaction of the manager.

we‡kl mÂqx

(†cbkb) SpecialSavings (Pension)

3,5I10eQi

(3, 5 & 10 years)100UvKv(AviwWGm)IGi¸wbZK

1000UvKvch©šÍ|1000UvKvIGi

¸wbZK50000UvKvch©šÍTk.100 (RDS) & its multiple amount upto Tk.1000. Tk.1000 & its multiple amount upto Tk.50000

* 1eQ‡iiKgn‡jAvmjUvKv| (Principal amount, less than 1 year)

* 1eQ‡ii†ekxwKš‘5eQ‡iiKgn‡jmÂqx

wnmv‡ei nvi| (Rateofprofitofsavingsaccountisapplicable for above 1 year but less than 5 years)

* 5eQ‡ii†ekxwKš‘†gqv`c~b©nqwb†m‡ÿ‡Î5

eQi†gqv`xwnmv‡einviIAwZwi³†gqv‡`iRb¨

mÂqx wnmv‡ei nvi cÖ`Ë n‡e| (In case of more than 5 years and when full tenure is not elapsed, inthatcase,rateofprofitoftermaccountfor5years will be applicable and saving rate will be imposed for the rest of the years)

* 1geQ‡i:1wKw¯Í†Ljvcx

n‡jIGKBeQi†Ljvcxi

c~bive„wË n‡j| For 1st year : If 1(one) installment is overdue and it occurs again in the same year.

* 1eQici:cici3wKw¯Í

†Ljvcx n‡j| After 01(one) year : If installment is overdue for 3 times consecutively

* 1geQi:Kvib`k©v‡bvmv‡c‡ÿ2wKw¯‘GKmv‡_

MÖnb Kiv †h‡Z cv‡i For 1st year: 2(two) installments can be received by showing reason.

* 1eQici:Kvib`k©v‡bvmv‡c‡ÿ4wKw¯ÍGKmv‡_

MÖnb Kiv †h‡Z cv‡i After one year: 4 (four) installments can be received by showing reason.

* 5eQi†gqv`xwnmv‡ei†ÿ‡Îm‡e©v”P5eviGes10

eQi†gqv`xwnmv‡ei†‡Îm‡e©v”P10evic~b:ˆea

Kiv †h‡Z cv‡i| Account can be revalidated by giving installment maximum 5 times for Term Account for 5 years and 10 times for Term Account for 10 years.

6. we‡klmÂqxwnmv‡eiwecix‡ZAemiKvjxbfvZvcÖ`vb(RetirementbenefitagainstSpecialsavings(pension)Scheme):GBcÖK‡íiAvIZvq†gqv`v‡šÍMÖvnKjvfmnGKKvjxbA_evMÖvnKKZ©„Kwba©vwiZgvwmKwKw¯ÍiwfwˇZRgvK…ZUvKvD‡ËvjbKi‡Zcvi‡eb|gvwmKwfwˇZ†cbkbcÖ`v‡bi†¶‡Î†gqv‡`vËx‡Y©i

ci gy`vivev mÂqx wnmv‡ei nv‡i jvfcÖ`vbKiv n‡eGes wnmv‡e hZw`bch©šÍ w¯’wZ _vK‡e,ZZw`bch©šÍ MÖvnK‡K wba©vwiZ nv‡i gvwmK wfwˇZ †cbkb

cÖ‡`qn‡e|AvgvbZKvixig„Zy¨ici wbqgvbyhvqxZvig‡bvbxZe¨w³mvK‡kmbmvwU©wd‡KUQvovBMw”QZUvKvMÖnYKi‡Zcvi‡eb|†Kvbg‡bvbxZe¨w³bv

_vK‡jAvgvbZKvixiDËivwaKvix‡KmvK‡kmb/IqvwikvbmvwU©wd‡KU†gvZv‡eKwnmv‡eiw¯’wZcwi‡kvaKivn‡e(Underthisscheme,acustomercanwithdrawdepositedmoneyinlumpsumwithprofitoronthebasisofmonthlyinstallmentdecidedbythecustomer.AftermaturingthetenureofthisAccount,profitwillbe distributable at the rate of Mudaraba savings Account and monthly pension will continue until the balance is maintained in the account at determined rate. Asperrules,nomineecanwithdrawtheremainingbalancewithoutproducingsuccessioncertificateafterthedeathofcustomer.Successoroftheaccountholdercanwithdrawtheremainingbalanceaspersuccession/warishancertificateintheabsenceofnominee.

†gqv`x, eÛ I gvwmK gybvdvwfwËK wnmv‡ei †¶‡Î (For Term, Bond and Mudaraba Monthly Profit Deposit Schme Account):1. my¯’gw¯Í¯‹m¤úbœIcÖvßeq¯‹†Kvbe¨w³eve¨w³eM©GKKev†hŠ_bv‡g†gqv`xIgvwmKgybvdvwfwËKRgvwnmveLyj‡Zcvi‡eb|bvevjK/bvevwjKvibv‡gIZvi

wcZv/gvZv/AvBbMZAwffveKMbGBwnmveLyj‡Zcvi‡eb|(An adult person or persons having sound mind individually or jointly can open Term and Monthly ProfitDepositAccount.LegalguardianorparentscanalsoopenthisaccountinnameoftheMinor).

2. GRvZxqwnmv‡ei†¶‡ÎMÖvnK‡K†Kvb†PKeBcÖ`vbKivnqbvïaygvÎiwm`cÖ`vbKivnqhvn¯ÍvšÍi‡hvM¨b‡n|wnmveavixAvgvb‡Ziiwm`h_vh_fv‡emsi¶Y

Ki‡eb|iwm`†KvbKvi‡bnvwi‡q†M‡j,bón‡j,cy‡o†M‡jevAb¨‡Kvbfv‡eaŸsmn‡q†M‡jev†Lvqv†M‡jZvr¶wbKfv‡ee¨vsKKZ©„c¶‡KRvwb‡qwbw`©ó

cÖwµqvm¤ú‡bœigva¨‡gWywcø‡KUiwm`MÖnYKi‡Zn‡e|wnmveavixiMvwdjwZiKvi‡bAb¨†KDAvgvb‡Ziiwm`fvw½‡qwb‡je¨vsK`vqx_vK‡ebv|No cheque book is provided to the customer against this account, only receipt is issued which is not negotiable.Account holder must preserve the Receipt of Deposit properly. Duplicate receipt has to be collected immediately following proper formalities by the account holder when it is found that the cheque is lost, damaged, burn or destroyed.

3. gvwmKgybvdvwfwËKAvgvbZwnmveKgc‡¶1,00,000/-(GKj¶)UvKvevZvi wbZK†h†Kvbcwigvb3(wZb)I5(cuvP)eQi†gqv‡`†Lvjvhvq|MMPDSA for3(three)and5(five)yearsoftenurecanbeopenedthroughdepositingminimumTk.1,00,000oritsanymultipleamount.

4. MMPDSwnmv‡ei†¶‡ÎgvwmKgybvdvcÖ`vbïiæn‡eAvgvbZMÖn‡YiZvwiL†_‡KceeZ©xgv‡mimswk¬óZvwi‡L|Monthlyprofitwillbecountedfromthedateof receiving deposit to the same date of the following month.

5. 3(wZb)I5(cuvP)eQi†gqv`xwnmve†Lvjvi3eQ‡iic~‡e©UvKvD‡ËvjbKivn‡jgy`vivevmÂqxwnmv‡ecÖ`Ënv‡igybvdvcÖ`vbKivn‡e|5(cuvP)eQi

†gqv`xwnmve†Lvjvi3(wZb)eQiciwKš‘5(cuvP)eQ†iic~‡e©UvKvD‡ËvjbKivn‡j1g3(wZb)eQ‡iiRb¨3(wZb)eQi†gqv`xnv‡iGesevKxmg‡qi

Rb¨gy`vivevmÂqxwnmv‡ecÖ`Ënv‡igybvdvcÖ`vbKivn‡e|G‡¶‡Îgy`vivevgvwmKgybvdvwfwËKmÂqxwnmv‡ecÖ`Ënv‡igv‡mgv‡m†hgybvdvcÖ`vbKivn‡q‡Q

Zv mgš^q Kiv n‡e| Ifthefundiswithdrawnbefore3yearsofanyMMPDSAccountopenedfor3or5yearsterm,ProfitwillbedistributedattherateofMudarabaSavingsAccount.Ifthefundiswithdrawnafter3yearsbutbefore5yearsofanyMMPDSAccountopenedfor5yearsterm,profitwillbedistributedatasusualrateofMMPDSAccountforthe1st3yearsonlyandfortherestoftheperiod,pfofitwillbedistributedattherateofMudarabaSavingsAccount.Insuchcase,theprofit,whichisdistributedpermonthattherateofMMPDSAccount,willbeadjusted.

6. †gqv`xwnmveb~¨bZg1000UvKvGes1000UvKvi¸wbZKwnmv‡eD‡aŸ©†h†KvbcwigvYUvKv3,6,12,24,36gvmGes100,200,300w`b†gqv‡`†Lvjv

hvq|Z‡e1gvm†gqv`xwnmv‡ei†¶‡Îb~¨bZg10j¶UvKvevZ`~aŸ©cwigvYUvKvqwnmveLyj‡Zn‡e|Term Account for 3,4,12,24, 36 months and 100, 200, 300 days of tenure can be opened through depositing minimumTk.1,000 and any multiple amount of Tk.100. But minimum Tk.10.00 lac and above is required for account of 1(one) month of tenure.

7. GKgv‡mi†gqv`xwnmv‡ei†¶‡Îgvmc~wZ©ic~‡e©GesAb¨†gqv‡`iwZbgvmc~Y©nIqvic~‡e©UvKvZz‡jwb‡jD³RgviDci†KvbcÖKvijvf†`qvnqbv|

Ab¨w`‡KGKgvm/wZbgvmc~Y©nIqvic‡iwKš‘†gqv‡`vËxY©nIqvic~‡e©UvKvZz‡jwb‡jD³RgviDcicÖvmw½K†gqv‡`inv‡ijvfwnmveK‡iD³jvf†_‡K

AvbycvwZKnv‡iGKgvm/wZbgv‡mijvfev`w`‡qbxUjvfwnmveavix‡KcÖ`vbKivnq|Noprofitwillbedistributedifthefundiswithdrawnbeforeelapsingthemonthfor1monthtermdepositaccountandbeforeelapsing3monthsforothertermdepositaccounts.Ontheotherhand,restoftheprofit(except3month)willbedistributedproportionatelybeforematuringtheaccountafterdeductingtheprofitof3(three)months.

8. wnmv‡ei†gqv`c~Y©nIqvici30w`‡big‡a¨UvKvD‡ËvjbbvKi‡j†gvUw¯’wZc~‡e©D‡j¬wLZ†gqv‡`iRb¨¯^qswµqfv‡eGKBk‡Z©bevwqZwnmv‡eMY¨n‡e|

The account will be automatically renewed on the basis of total remaining balance and in the same tenure, if the fund is not withdrawn within the next 30 days of maturity.

9. 5I10eQi†gqv‡`25,000UvKv,50,000UvKv,1,00,000UvKv,2,00,000UvKv,5,00,000UvKvI10,00,000UvKviGbAviwe†mwfsmeÛïaygvÎ

Awbevmxevsjv‡`kxbvMwiKGKKev†hŠ_bv‡gµqKi‡Zcvi‡eb|GeÛ3eQ‡iig‡a¨bM`vqbKi‡jgy`vivevmÂqxwnmv‡ecÖ‡`qnv‡igybvdvcÖ`vbKivn‡e|

Only, Non-Resident Bangladeshi can purchase Mudaraba Non-Resident Bangladeshi Savings Bond individually or jointly for 5 & 10 years of tenure worth of Tk.25,000,Tk.50,000,Tk.1,00,000,Tk.2,00,000,Tk.5,00,000andTk.10,00,000.ProfitwillbedistributedattherateofMudarabaSavingsAccount,incaseofencashment of the Bond within 3 years of opening.

10. MSB Gi†¶‡Î5I8eQi†gqv‡`5000UvKv,10,000UvKv,50,000UvKv,1,00,000UvKv,5,00,000UvKvI10,00,000UvKvg~j¨gv‡bigy`vivevmÂqeÛµqKivhv‡e|GKermiAwZµvšÍnIqvic~‡e©eÛbM`vqbKivn‡jD³e‡ÛiDci†Kvbgybvdv†`qvn‡ebvGes†gqv`c~wZ©ic~‡e©wKš‘GKeQi

AwZµvšÍnevicieÛfv½v‡jD³RgviDcicÖvmw½KI‡q‡U‡RiwfwˇZjvfwnmveK‡iD³jvf†_‡KAvbycvwZKnv‡iwZbgv‡mijvfev`w`‡qbxUjvf

wnmveavix‡K cÖ`vb Kiv nq| Mudaraba Savings Bond worth of Tk.5,000, Tk.10,000, Tk.50,000, Tk.1,00,000, Tk.5,00,000 and Tk.10,00,000 can be purchased for5&8yearsoftenure.NoprofitwillbedistributediftheBondisencashedwithinayearandincaseofwithdrawal,beforematurityorafteroneyearofpurchasingtheBond,netprofitwillbedistributedattherateofregularweightageafterdeductingtheprofitof3months.

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wnmveavix/wnmveavixM‡Yibvg,¯^vÿiIZvwiL

(Name of the account holder(s), Signature & Date)

1)

2)

3)

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(Signatureoftheconcernedofficialanddate(Sealwithname)