Personal Account

Opening Form

Account Opening Date: D D / M M / Y Y Y Y

Account Name
In English (Block Letter)
wnmv‡ei bvg (evsjvq)
Account CIF
(for Bank use only)

Account Number
(for Bank use only)

Preferred Branch Name

Scheme Code
Source Code (PSO)
Monitoring PSO (MPSO)
Reference PSO (RPSO)
Source Name & PIN

Cost Center
Sector Code
(as per Bangladesh Bank SBS 2 Guidelines)

Deposit Code
(as per Bangladesh Bank SBS 2 Guidelines)
 Personal Account Opening Form
Please complete all details in CAPITAL letter and leave the fields/boxes blank which are not applicable.
Manager Date: D D M M Y Y Y Y
Branch
Dear Sir,
I/we are applying to open the following account in your branch. My/our detailed information are given below:
1: Account Related Information

1. Account Title:
wnmv‡ei bvg (evsjvq):
2. Type of Account: □ Savings □ Current □ RFCD □ NFCD □ NITA □ Probashi Savings □ Probashi Current
□ Freelancer Matrix Account □ Others □ Please specify the product
3. Currency: □ Taka □ Dollar □ Euro □ Pound □ Others
4. Mode of Operation: □ Singly □ Jointly □ Anyone □ Either or Survivor □ Others
5. Initial Deposit: BDT In Words □ Cash □ Cheque
2: Personal information
1. Account holder's Name:

evsjvq:
2. Date of Birth: D D M M Y Y Y Y 3. National ID No.:
4. TIN/e-TIN No. (if any):
5. Passport No.:
(a) Issue Date: D D M M Y Y Y Y (b) Expiry Date: D D M M Y Y Y Y (c) Issue Place:

6. Other ID No. (in case of NID or Passport is not available) 7. Religion:

8. Father's Name:
9. Mother's Name:
10. Spouse Name:
11. Gender: □ Male □ Female □ Transgender 12. Nationality:
(Information should be obtained according to Bangladesh Bank Guideline for Foreign Exchange Transactions)

13. Marital Status: □ Married □ Single □ Others □ 14: Resident Status: □ Resident □ Non-Resident
(If account holder is a foreign national, passport copy including VISA must be obtained by the bank.)
15. Details of Profession:
□ Public Service □ Business
□ Private Service □ Proprietorship □ □
□ Multinational Organization □ Local Organization
□ Self- Employed Others
Partnership Limited Company

(a) Organization name: (b) Position / Designation:

(c) Nature /Type of Business: (d) Monthly Income:
(e) Income Details: Income source Amount Income source Amount
Salary Agricultre
Rent Others
Business
16. Contact Details: (for probashi customer permanent address needs to be in Bangladesh)
Address Present Address Permanent Address Work Address

Flat /House /
Road /Block /
Area/Village
Upazila/Thana
City/District
Post Code
Country
Contact No. (Phone/Mobile) Home: Office:
e-Mail Personal: Office:
Preferred Mailing/Communication Address □ Present Address □ Work Address
Preferred Contact: *E-mail:
*Mobile No.: (*Your mobile number and email address are mandatory)
*If the account holder is a minor, legal guardian must fill up the following information and a separate ”PERSONAL INFORMATION FORM (PIF)”.
As the legal guardian, I hereby declare that the account holder is a minor. His/her relevant information are provided in the form. The account will be operated under my signature as
the legal guardians of the accountholder until further notice or until accountholder attains maturity.

Signature and PIN Signature and PIN

-------------------------------- 1 of 12 --------------------------------
Account Opened By Account Approved By
17. Name of Minor’s Legal Guardian:
18. Relationship with Minor:

3: Introducer’s Information (Required only if the account holder/s do not have NID)

1. Name of Introducer:

2. Account No.: 3. Relationship with Applicant:

4. Signature of Introducer: 5. Signature Verified by:

(Name, Date and Seal. Bank use only)

4: Nominee Details
I/We hereby nominate the following person to receive the entire balance in my/our account, upon my/our death. I/We hereby reserve the right to cancel/amend
the below nomination at any point of time. I/We further declare that Bank will not be liable for any transaction affected according to my/our instruction.

1. Name of Nominee:
2. Date of Birth: D D M M Y Y Y Y 3. No. of Nominee: 4. Percentage: %
(in case of more than one nominee, separate nominee details should be obtained for each nominee)
Please attach photograph here
5. Relationship with Applicant: (Nominee)
6. NID/Passport/Birth Certificate No./Others:
*(In case of other ID, please specify)
7. Nominee Permanent Address:

Road/House/Area/Block Upazila /Thana City /District Post Code

Detail information of the receiver of the fund on behalf of the Nominee (in case of Minor Nominee) if the accountholder(s) dies while the nominee is still minor as per Bank Company Act 1991 section 103(2):

8. Name of Legal Guardian:

a. Relationship with Nominee: b. Date of Birth: D D M M Y Y Y Y
c. NID/ Passport/Birth Certificate No./Others:
c. Legal Guardian’s Address:
Road/House/Area/Block Upazila /Thana City /District Post Code
Phone: e-mail:
*In case of non-resident nominee, proceed of the relevant account is payable to that non-resident, Exchange Control Regulations will be applicable for outward remittance.
*In case of Probashi Customer, Nominee's and Legal Guardian's Passport/Birth Certificate number can be acceptable

5: Debit Card, Cheque Book and Alternative Banking Facilities

1. Cheque Book □ Yes □ No 2. Debit Card Facility □ Yes □ No 3. □ Visa □ MasterCard
4. SMS Banking □ Yes □ No
5. E-Statement □ Yes □ No
□ Yes □ No
Name to be printed on the card (within 21character including blank spaces)
6. Internet Banking *2Factor Authentication is mandatory when it comes to transactions that require OTP and the SMS is free of cost.

6: Signing Authority
I/We hereby declare that the information I/we have provided in the account opening form are all correct. I/We shall provide any further information if needed.
1. First Applicant 2. Joint Applicant (Second Applicant) 3. Joint Applicant (Third Applicant/Legal Guardian)

Please attach photograph here Please attach photograph here Please attach photograph here
(First Applicant) (Second Applicant) (Third Applicant/Legal Guardian)

Signature (First Applicant) Signature (Second Applicant) Signature (Third Applicant/Legal Guardian)

Name................................................................... Name................................................................... Name...................................................................

7: For Bank Use Only

Reviewed by □ Branch Manager □ RM □ ASM □ ARM/RM Code ………………………........................………...............………………………….
Business Operations
Account Opened By Account Approved By Data Entry By Data Entry Verified By

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

Seal, Signature and PIN Seal, Signature and PIN Seal, Signature and PIN Seal, Signature and PIN

2 of 12
 Most Important Document / MÖvnK m¤§wZcÎ Bank Copy/e¨vsK Kwc

Dear Customer, please read and sign this form to confirm that all relevant information regarding your bank account have been provided
to you at the time of account opening (wcÖq MÖvnK, AbyMÖn K‡i GB dg© c‡o Ges ¯^v¶i K‡i wbwðZ Ki‡eb †h, Avcbvi A¨vKvD›UwU †Lvjvi mgq mswk øó mKj Z_¨
Avcbv‡K cÖ`vb Kiv n‡q‡Q)

Customer Declaration

1. I/We hereby declare that the information I/we have provided in the account opening form are all correct. I/We shall provide any
further information if needed (Avwg/Avgiv GZØviv †NvlYv KiwQ †h, Avwg/Avgiv A¨vKvD›U I‡cwbs d‡g© †h Z_¨vejx cÖ`vb K‡iwQ Zv m¤ú~Y© mwVK| cieZ©x‡Z †h
†Kvb Z‡_¨i cÖ‡qvRb n‡j Avwg/Avgiv Zv cÖ`vb Kie)
2. I/We have provided all the required documents to open the account and the information in those documents are correct to the best
of my/our knowledge (Avwg/Avgiv A¨vKvD›U Lyj‡Z cÖ‡qvRbxq me WKz‡g›U cÖ`vb K‡iwQ Ges H WKz‡g›U¸‡jv‡Z cÖ`Ë Z_¨ Avgvi/Avgv‡`i Rvbv g‡Z mwVK)
3. I/We hereby also acknowledge that I/we have read, understood and agreed to the Terms & Conditions governing customer
account(s) and all other products as indicated in the next pages and in BRAC Bank Website (www.bracbank.com (Avwg/Avgiv GZØviv
Av‡iv ¯^xKvi KiwQ †h, Avwg/Avgiv MÖvnK A¨vKvD›U cieZ©x †cRmg~‡n Ges eª¨vK e¨vsK I‡qemvB‡U (www.bracbank.com) wb‡`©wkZ Ab¨ mKj †cÖvWv± mg~n wbqš¿YKvix
kZ©vejx c‡owQ, Abyaveb K‡iwQ Ges m¤§Z n‡qwQ)
4. I/We declare that the bank representative has explained to me/us regarding all the rules & regulations and other information related
to my/our account and accordingly I/we have decided to open an account in BRAC Bank Limited (Avwg/Avgiv GZØviv †NvlYv KiwQ †h, e¨vsK
cÖwZwbwa Avgvi/Avgv‡`i A¨vKvD›U mswk øó mg¯Í wbqg-Kvbyb Ges Ab¨vb¨ Z_¨ m¤ú‡K© e¨vL¨v K‡i‡Q Ges †m Abyhvqx Avwg/Avgiv eª¨vK e¨vs‡K A¨vKvD›U Lyj‡Z wm×všÍ
wb‡qwQ)
5. I/We also declare that I am aware of all the fees and charges related to this account and interest rate and rules & regulations to
receive interest (Avwg/Avgiv Av‡iv †NvlYv KiwQ †h, Avwg A¨vKvD›U mswk øó mKj dx Ges PvR©, gybvdvi nvi Ges gybvdv cvIqvi wbqg-Kvbyb m¤ú‡K© AeMZ AvwQ )
6. I/We understand that Debit Card (charge applicable) is mandatory for my/our account which will be delivered in deactivated status
for security reason (Avwg/Avgiv eywS †h, Avgvi/ Avgv‡`i A¨vKvD‡›Ui Rb¨ †WweU KvW© (PvR© cÖ‡hvR¨) AZ¨vek¨K hv wbivcËvRwbZ Kvi‡Y wbw®Œq Ae¯’vq †cŠ‡Q †`Iqv
n‡e)
7. I/We also understand that SMS Banking (charge applicable) is mandatory for my/our account and I/we agree to receive promotional
SMS/email time to time from the Bank at my/our communication addresses (Avwg/Avgiv Av‡iv eywS †h, Avgvi/Avgv‡`i A¨vKvD‡›Ui Rb¨ GmGgGm
e¨vswKs (PvR© cÖ‡hvR¨) AZ¨vek¨K Ges Avwg/ Avgiv gv‡S gv‡S e¨vsK †_‡K Avgvi/Avgv‡`i †hvMv‡hv‡Mi wVKvbvq cÖPviYvg~jK GmGgGm/ B-‡gBj cvIqvi e¨vcv‡i m¤§Z)
8. I/We also declare that I/we have not given any cash or cheque to any Bank representative to open the account without receiving
any Bank receipt (Avwg/Avgiv Av‡iv †NvlYv KiwQ †h, e¨vsK iwm` cvIqv e¨ZxZ Avwg/ Avgiv A¨vKvD›U †Lvjvi Rb¨ †Kvb e¨vsK cÖwZwbwa‡K †Kvb bM` A_© ev †PK
cÖ`vb Kwiwb)
9. BDT 500 will be kept as minimum balance in my/our account to pay Government Excise Duty (applicable annually for all accounts)
as per Government Laws and 15% VAT is applicable for all fees and charges (miKvwi AvBb Abyhvqx, miKvwi AveMvwi ïé (mKj A¨vKvD‡›Ui Rb¨
cÖwZ eQi cÖ‡hvR¨) cÖ`v‡bi Rb¨ Avgvi/Avgv‡`i A¨vKvD‡›U me©wb¤œ 500 UvKv ivLv n‡e Ges mKj dx Ges Pv‡R©i Rb¨ 15% f¨vU cÖ‡hvR¨ n‡e)
10. I/We also declare that, I am aware of the automatic conversion of Agami Savers Account and TARA Agami Savers Account (student
accounts) to Regular Savings Account when accountholder becomes 26 years old as per provided Photo ID’s date of birth (NID/Birth
certificate/Passport) and Bank’s data record. All the fees and charges of the converted account will be applicable as per Schedule
of Charges. (AvMvgx †mfvim A¨vKvD›U Ges Zviv AvMvgx †mfvim A¨vKvD›U (÷y‡W›U A¨vKvD›U) ¯^qswµqfv‡e wbqwgZ †mwfsm A¨vKvD›U G iæcvšÍ‡ii/cwieZ©‡bi
e¨vcv‡i Avwg AeMZ AvwQ, hLb wnmveavixi eqm cÖ‡`q cwiPqc‡Îi Rb¥ ZvwiL (Gb AvB wW/Rb¥ mb`/cvm‡cvU©) Ges e¨vs‡K msiw¶Z bw_ Abyhvqx 26 eQi n‡e (25 eQi
c~Y© Kivi ci)| iæcvšÍvwiZ A¨vKvD›U Gi mKj dx Ges PvR©, wbqwgZ A¨vKvD›U Gi PvR© Gi ZvwjKv Abyhvqx n‡e|)

The Bank reserves the right to amend the Schedule of Charges (available in www.bracbank.com) and Interest Rates at any time. (e¨vsK
Pv‡R©i ZvwjKv ( www.bracbank.com G mnRjf¨) Ges gybvdvi nvi †h‡Kvb mgq ms‡kva‡bi AwaKvi msi¶Y K‡i|)
I hereby acknowledge that I have understood and agreed with all the above mentioned points and received the customer copy of MID.
(Avwg ¯^xKvi KiwQ †h Avwg Dc‡i ewY©Z mKj Av‡jvP¨ welq mgyn eyS‡Z †c‡iwQ Ges Gi mv‡_ m¤§wZ Ávcb KiwQ Ges MÖvnK mb¥wZc‡Îi GKwU Kwc ey‡S †c‡qwQ|)

Seal/ Signature & Date

3 of 12
 Schedule of Charges (Abridged) / PvR©mgy‡ni ZvwjKv (ms‡¶wcZ) Bank Copy/e¨vsK Kwc

Triple Benefits Savings TARA Triple Benefits TARA Happy Savers

Happy Savers Account/ Current Plus Account/
Charges/PvR©mgyn Account/wUªcj †ewbwdUm Savings Account/Zviv Account/Zviv n¨vwc †mfvim
†mwfsm A¨vKvD›U wUªcj †ewbwdUm †mwfsm A¨vKvD›U n¨vwc †mfvim A¨vKvD›U A¨vKvD›U Kv‡i›U c øvm A¨vKvD›U

Debit card Annual Fee/ Free - 50,000 & above Free - First year 300 tk - charged upfront Free - 1st yr Free - 50,000 & above
†WweU KvW evwl©K wd 600 tk - below 50,000 Free - 50,000 & above from 1st yr onwards 300 tk - charged upfront 600 tk - below 50,000
500 tk - from 2nd year 2nd yr onwards
(Yearly average d«x - 50,000Ges D‡×© 300 UvKv - 1g eQ‡ii ïiæ d«x - 50,000Ges D‡×©
onwards if below 50,000
balance basis/evwl©K 600UvKv - 50,000 Gi wb‡¤œ †_‡K Av‡ivwcZ d«x - 1g eQi 600UvKv - 50,000 Gi wb‡¤œ
A¨vfv‡iR e¨vjvÝ wfwˇZ) d«x - 1g eQi 300UvKv - 2q eQ‡ii ïiæ
d«x - 50,000Ges D‡×© †_‡K Av‡ivwcZ
500 UvKv ch©šÍ, 2q eQi n‡Z
50,000 UvKvi wb‡¤œ
Account Maintenance Free - Up to Tk 10,000 Free - Up to Tk. 10,000 Upto Tk. 300
Fee (half yearly)/A¨vKvD›U 100tk - above Tk. 10,000 up to Tk. 25,000 50tk - above Tk. 10,000 up to Tk. 25,000 300 UvKv ch©šÍ
†gB‡›U‡bÝ wd (Aa© evwl©K) 200tk - above Tk. 25,000 up to Tk. 2,00,000 100tk - above Tk. 25,000 up to Tk. 2,00,000
(Half yearly average 250tk - above Tk. 2,00,000 up to Tk. 1,00,0000 150tk - above Tk. 2,00,000 up to Tk. 1,00,0000
balance basis/Aa© evwl©K 300tk - above Tk. 1,00,0000 300tk - above Tk. 1,00,0000
A¨vfv‡iR e¨vjvÝ wfwˇZ) d«x - 10,000 UvKv ch©šÍ d«x - 10,000 UvKv ch©šÍ
100 UvKv - 10,000 UvKvi D‡×©- 25,000 UvKv ch©šÍ 50 UvKv - 10,000 UvKvi D‡×©- 25,000 UvKv ch©šÍ
200 UvKv - 25000 UvKvi D‡×© 2,00000 UvKv ch©šÍ 100 UvKv - 25,000 UvKvi D‡×© 2,00,000 UvKv ch©šÍ
250 UvKv - 2,00000 UvKvi D‡×© 10,00000 UvKv ch©šÍ 150UvKv - 2,00,000 UvKvi D‡×© 10,00,000 UvKv ch©šÍ
300 UvKv - 10,00000 UvKvi D‡×© 300 UvKv - 10,00,000 UvKvi D‡×©

Golden Benefits TARA Golden Benefits Freelancer Matrix (ERQ)

Future Star Account/ RFCD Account/
Charges/PvR©mgyn Savings Account/ †Mv‡ìb Savings Account/Zviv Account/ wd«j¨vÝvi
†ewbwdUm †mwfsm A¨vKvD›U †Mv‡ìb †ewbwdUm †mwfsm A¨vKvD›U wdDPvi óvi A¨vKvD›U AviGdwmwW A¨vKvD›U g¨vwUª· A¨vKvD›U)
Debit card Annual Fee/ Free - 1,00,000 & above Free - First year Not Applicable Upto USD 10 Free - 1st year
†WweU KvW evwl©K wd 600 tk - below 1,00,000 2nd year onwards Upto USD 10 - 2nd year
cÖ‡hvR¨ bq BDGmwW 10 ch©šÍ
Free - 1,00,000 & above onwards.
(Yearly average d«x - 1,00,000Ges D‡×© 600tk - below 1,00,000
balance basis/evwl©K 600 UvKv - 1,00,000 Gi d«x - 1g eQi
A¨vfv‡iR e¨vjvÝ wfwˇZ) wb‡¤œ d«x - 1g eQi BDGmwW 10 ch©šÍ 2q eQi
2q eQi n‡Z n‡Z
d«x - 1,00000 Ges D‡×©
600 UvKv - 1,00,000 UvKvi wb‡¤œ
Account Maintenance Free - Up to Tk 10,000
Not Applicable Free Free
Fee (half yearly)/A¨vKvD›U 100tk - above Tk. 10,000 up to Tk. 25,000
†gB‡›U‡bÝ wd (Aa© evwl©K) 200tk - above Tk. 25,000 up to Tk. 2,00.000 cÖ‡hvR¨ bq d«x d«x
(Half yearly average 250tk - above Tk. 2,00,000 up to Tk. 1,00.0000
balance basis/Aa© evwl©K Free - above Tk. 1,00,0000
A¨vfv‡iR e¨vjvÝ wfwˇZ)
d«x - 10,000 UvKv ch©šÍ
100 UvKv - 10,000 UvKvi D‡×©- 25,000 UvKv ch©šÍ
200 UvKv - 25000 UvKvi D‡×© 2,00,000 UvKv ch©šÍ
250 UvKv - 2,00,000 UvKvi D‡×© 10,00,000 UvKv ch©šÍ
d«x - 10,00,000 UvKvi D‡×©

Internet Banking Yearly Charge Free Dormant Account Activation Free

e-Statements Free Account Closing Fee for Current Accounts Upto Tk. 300

SMS Banking Upto Tk 250 (annually) Account Closing Fee for Savings Accounts Upto Tk. 200

Tax Certificate (Account/FDR/DPS/Loan) Upto 300 (Free, Request Duplicate Account Statement Upto Tk. 100 (last 12 months)
through Call Center) (Through Branch)
Cash Withdrawal from Other Bank VISA/ Upto Tk. 15
BO Account Certificate Upto Tk 100
Master ATMs (Per Withdrawal)
Cheque Book Charges Tk. 200 for 10 pages Cash Withdrawal Charges for ATMs Upto Tk. 250
Tk. 300 for 15 pages outside Bangladesh for Multi-Currency
Tk. 400 for 20 pages Debit Card

Important notes (¸iæZ¡cyY© Z_¨)

• 15% VAT is applicable for all fees and charges (mKj wd Ges PvR©mgy‡ni Ici 15% f¨vU cÖ‡hvR¨)
• Govt Excise Duty is applicable annually for all accounts (mKj A¨vKvD‡›Ui Ici evwl©K wfwˇZ miKvix AveMvwi ïé cÖ‡hvR¨)
• For Employee Banking clients, rates, fees & charges shall apply as per payroll agreement (Ggc øqx e¨vswKs Gi Rb¨ Ggc øqx e¨vswKs Gi Pyw³ Abymv‡i wd Ges PvR© cÖ‡hvR¨)
• For more details, please refer to Schedule of Charges available at BRAC Bank website (www.bracbank.com) (we¯ÍvwiZ Z‡_¨i Rb¨ AbyMÖn K‡i eª¨vK e¨vs‡Ki I‡qe mvBU
(www.bracbank.com) cwi`k©b Kiæb)
• All overseas transactions will be converted using VISA/Mastercard exchange rates. A foreign currency factor of 3% will be applied in case of overseas transactions when the
transaction currency is non USD (†`‡ki evwn‡i m¤úvw`Z mKj †jb‡`b wfmv/gv÷vi Kv‡W©i G·‡PÄ †i‡Ui gva¨‡g iƒcvšÍwiZ n‡e| †jb‡`‡bi Kv‡iÝx bb-BDGmwW n‡j †`‡ki evwn‡i m¤úvw`Z †jb‡`‡bi †¶‡Î
3% d‡ib Kv‡iÝx d¨v±i Av‡ivwcZ n‡e)

4 of 12
 Most Important Document / MÖvnK m¤§wZcÎ Customer Copy/MÖvnK Kwc

Dear Customer, please read and sign this form to confirm that all relevant information regarding your bank account have been provided
to you at the time of account opening (wcÖq MÖvnK, AbyMÖn K‡i GB dg© c‡o Ges ¯^v¶i K‡i wbwðZ Ki‡eb †h, Avcbvi A¨vKvD›UwU †Lvjvi mgq mswk øó mKj Z_¨
Avcbv‡K cÖ`vb Kiv n‡q‡Q)

Customer Declaration

1. I/We hereby declare that the information I/we have provided in the account opening form are all correct. I/We shall provide any
further information if needed (Avwg/Avgiv GZØviv †NvlYv KiwQ †h, Avwg/Avgiv A¨vKvD›U I‡cwbs d‡g© †h Z_¨vejx cÖ`vb K‡iwQ Zv m¤ú~Y© mwVK| cieZ©x‡Z †h
†Kvb Z‡_¨i cÖ‡qvRb n‡j Avwg/Avgiv Zv cÖ`vb Kie)
2. I/We have provided all the required documents to open the account and the information in those documents are correct to the best
of my/our knowledge (Avwg/Avgiv A¨vKvD›U Lyj‡Z cÖ‡qvRbxq me WKz‡g›U cÖ`vb K‡iwQ Ges H WKz‡g›U¸‡jv‡Z cÖ`Ë Z_¨ Avgvi/Avgv‡`i Rvbv g‡Z mwVK)
3. I/We hereby also acknowledge that I/we have read, understood and agreed to the Terms & Conditions governing customer
account(s) and all other products as indicated in the next pages and in BRAC Bank Website (www.bracbank.com (Avwg/Avgiv GZØviv
Av‡iv ¯^xKvi KiwQ †h, Avwg/Avgiv MÖvnK A¨vKvD›U cieZ©x †cRmg~‡n Ges eª¨vK e¨vsK I‡qemvB‡U (www.bracbank.com) wb‡`©wkZ Ab¨ mKj †cÖvWv± mg~n wbqš¿YKvix
kZ©vejx c‡owQ, Abyaveb K‡iwQ Ges m¤§Z n‡qwQ)
4. I/We declare that the bank representative has explained to me/us regarding all the rules & regulations and other information related
to my/our account and accordingly I/we have decided to open an account in BRAC Bank Limited (Avwg/Avgiv GZØviv †NvlYv KiwQ †h, e¨vsK
cÖwZwbwa Avgvi/Avgv‡`i A¨vKvD›U mswk øó mg¯Í wbqg-Kvbyb Ges Ab¨vb¨ Z_¨ m¤ú‡K© e¨vL¨v K‡i‡Q Ges †m Abyhvqx Avwg/Avgiv eª¨vK e¨vs‡K A¨vKvD›U Lyj‡Z wm×všÍ
wb‡qwQ)
5. I/We also declare that I am aware of all the fees and charges related to this account and interest rate and rules & regulations to
receive interest (Avwg/Avgiv Av‡iv †NvlYv KiwQ †h, Avwg A¨vKvD›U mswk øó mKj dx Ges PvR©, gybvdvi nvi Ges gybvdv cvIqvi wbqg-Kvbyb m¤ú‡K© AeMZ AvwQ )
6. I/We understand that Debit Card (charge applicable) is mandatory for my/our account which will be delivered in deactivated status
for security reason (Avwg/Avgiv eywS †h, Avgvi/ Avgv‡`i A¨vKvD‡›Ui Rb¨ †WweU KvW© (PvR© cÖ‡hvR¨) AZ¨vek¨K hv wbivcËvRwbZ Kvi‡Y wbw®Œq Ae¯’vq †cŠ‡Q †`Iqv
n‡e)
7. I/We also understand that SMS Banking (charge applicable) is mandatory for my/our account and I/we agree to receive promotional
SMS/email time to time from the Bank at my/our communication addresses (Avwg/Avgiv Av‡iv eywS †h, Avgvi/Avgv‡`i A¨vKvD‡›Ui Rb¨ GmGgGm
e¨vswKs (PvR© cÖ‡hvR¨) AZ¨vek¨K Ges Avwg/ Avgiv gv‡S gv‡S e¨vsK †_‡K Avgvi/Avgv‡`i †hvMv‡hv‡Mi wVKvbvq cÖPviYvg~jK GmGgGm/ B-‡gBj cvIqvi e¨vcv‡i m¤§Z)
8. I/We also declare that I/we have not given any cash or cheque to any Bank representative to open the account without receiving
any Bank receipt (Avwg/Avgiv Av‡iv †NvlYv KiwQ †h, e¨vsK iwm` cvIqv e¨ZxZ Avwg/ Avgiv A¨vKvD›U †Lvjvi Rb¨ †Kvb e¨vsK cÖwZwbwa‡K †Kvb bM` A_© ev †PK
cÖ`vb Kwiwb)
9. BDT 500 will be kept as minimum balance in my/our account to pay Government Excise Duty (applicable annually for all accounts)
as per Government Laws and 15% VAT is applicable for all fees and charges (miKvwi AvBb Abyhvqx, miKvwi AveMvwi ïé (mKj A¨vKvD‡›Ui Rb¨
cÖwZ eQi cÖ‡hvR¨) cÖ`v‡bi Rb¨ Avgvi/Avgv‡`i A¨vKvD‡›U me©wb¤œ 500 UvKv ivLv n‡e Ges mKj dx Ges Pv‡R©i Rb¨ 15% f¨vU cÖ‡hvR¨ n‡e)
10. I/We also declare that, I am aware of the automatic conversion of Agami Savers Account and TARA Agami Savers Account (student
accounts) to Regular Savings Account when accountholder becomes 26 years old as per provided Photo ID’s date of birth (NID/Birth
certificate/Passport) and Bank’s data record. All the fees and charges of the converted account will be applicable as per Schedule
of Charges. (AvMvgx †mfvim A¨vKvD›U Ges Zviv AvMvgx †mfvim A¨vKvD›U (÷y‡W›U A¨vKvD›U) ¯^qswµqfv‡e wbqwgZ †mwfsm A¨vKvD›U G iæcvšÍ‡ii/cwieZ©‡bi
e¨vcv‡i Avwg AeMZ AvwQ, hLb wnmveavixi eqm cÖ‡`q cwiPqc‡Îi Rb¥ ZvwiL (Gb AvB wW/Rb¥ mb`/cvm‡cvU©) Ges e¨vs‡K msiw¶Z bw_ Abyhvqx 26 eQi n‡e (25 eQi
c~Y© Kivi ci)| iæcvšÍvwiZ A¨vKvD›U Gi mKj dx Ges PvR©, wbqwgZ A¨vKvD›U Gi PvR© Gi ZvwjKv Abyhvqx n‡e|)

The Bank reserves the right to amend the Schedule of Charges (available in www.bracbank.com) and Interest Rates at any time. (e¨vsK
Pv‡R©i ZvwjKv ( www.bracbank.com G mnRjf¨) Ges gybvdvi nvi †h‡Kvb mgq ms‡kva‡bi AwaKvi msi¶Y K‡i|)
I hereby acknowledge that I have understood and agreed with all the above mentioned points and received the customer copy of MID.
(Avwg ¯^xKvi KiwQ †h Avwg Dc‡i ewY©Z mKj Av‡jvP¨ welq mgyn eyS‡Z †c‡iwQ Ges Gi mv‡_ m¤§wZ Ávcb KiwQ Ges MÖvnK mb¥wZc‡Îi GKwU Kwc ey‡S †c‡qwQ|)

Seal/ Signature & Date

5 of 12
 Schedule of Charges (Abridged) / PvR©mgy‡ni ZvwjKv (ms‡¶wcZ) Customer Copy/MÖvnK Kwc

Triple Benefits Savings TARA Triple Benefits TARA Happy Savers

Happy Savers Account/ Current Plus Account/
Charges/PvR©mgyn Account/wUªcj †ewbwdUm Savings Account/Zviv Account/Zviv n¨vwc †mfvim
†mwfsm A¨vKvD›U wUªcj †ewbwdUm †mwfsm A¨vKvD›U n¨vwc †mfvim A¨vKvD›U A¨vKvD›U Kv‡i›U c øvm A¨vKvD›U

Debit card Annual Fee/ Free - 50,000 & above Free - First year 300 tk - charged upfront Free - 1st yr Free - 50,000 & above
†WweU KvW evwl©K wd 600 tk - below 50,000 Free - 50,000 & above from 1st yr onwards 300 tk - charged upfront 600 tk - below 50,000
500 tk - from 2nd year 2nd yr onwards
(Yearly average d«x - 50,000Ges D‡×© 300 UvKv - 1g eQ‡ii ïiæ d«x - 50,000Ges D‡×©
onwards if below 50,000
balance basis/evwl©K 600UvKv - 50,000 Gi wb‡¤œ †_‡K Av‡ivwcZ d«x - 1g eQi 600UvKv - 50,000 Gi wb‡¤œ
A¨vfv‡iR e¨vjvÝ wfwˇZ) d«x - 1g eQi 300UvKv - 2q eQ‡ii ïiæ
d«x - 50,000Ges D‡×© †_‡K Av‡ivwcZ
500 UvKv ch©šÍ, 2q eQi n‡Z
50,000 UvKvi wb‡¤œ
Account Maintenance Free - Up to Tk 10,000 Free - Up to Tk. 10,000 Upto Tk. 300
Fee (half yearly)/A¨vKvD›U 100tk - above Tk. 10,000 up to Tk. 25,000 50tk - above Tk. 10,000 up to Tk. 25,000 300 UvKv ch©šÍ
†gB‡›U‡bÝ wd (Aa© evwl©K) 200tk - above Tk. 25,000 up to Tk. 2,00,000 100tk - above Tk. 25,000 up to Tk. 2,00,000
(Half yearly average 250tk - above Tk. 2,00,000 up to Tk. 1,00,0000 150tk - above Tk. 2,00,000 up to Tk. 1,00,0000
balance basis/Aa© evwl©K 300tk - above Tk. 1,00,0000 300tk - above Tk. 1,00,0000
A¨vfv‡iR e¨vjvÝ wfwˇZ) d«x - 10,000 UvKv ch©šÍ d«x - 10,000 UvKv ch©šÍ
100 UvKv - 10,000 UvKvi D‡×©- 25,000 UvKv ch©šÍ 50 UvKv - 10,000 UvKvi D‡×©- 25,000 UvKv ch©šÍ
200 UvKv - 25000 UvKvi D‡×© 2,00000 UvKv ch©šÍ 100 UvKv - 25,000 UvKvi D‡×© 2,00,000 UvKv ch©šÍ
250 UvKv - 2,00000 UvKvi D‡×© 10,00000 UvKv ch©šÍ 150UvKv - 2,00,000 UvKvi D‡×© 10,00,000 UvKv ch©šÍ
300 UvKv - 10,00000 UvKvi D‡×© 300 UvKv - 10,00,000 UvKvi D‡×©

Golden Benefits TARA Golden Benefits Freelancer Matrix (ERQ)

Future Star Account/ RFCD Account/
Charges/PvR©mgyn Savings Account/ †Mv‡ìb Savings Account/Zviv Account/ wd«j¨vÝvi
†ewbwdUm †mwfsm A¨vKvD›U †Mv‡ìb †ewbwdUm †mwfsm A¨vKvD›U wdDPvi óvi A¨vKvD›U AviGdwmwW A¨vKvD›U g¨vwUª· A¨vKvD›U)
Debit card Annual Fee/ Free - 1,00,000 & above Free - First year Not Applicable Upto USD 10 Free - 1st year
†WweU KvW evwl©K wd 600 tk - below 1,00,000 2nd year onwards Upto USD 10 - 2nd year
cÖ‡hvR¨ bq BDGmwW 10 ch©šÍ
Free - 1,00,000 & above onwards.
(Yearly average d«x - 1,00,000Ges D‡×© 600tk - below 1,00,000
balance basis/evwl©K 600 UvKv - 1,00,000 Gi d«x - 1g eQi
A¨vfv‡iR e¨vjvÝ wfwˇZ) wb‡¤œ d«x - 1g eQi BDGmwW 10 ch©šÍ 2q eQi
2q eQi n‡Z n‡Z
d«x - 1,00000 Ges D‡×©
600 UvKv - 1,00,000 UvKvi wb‡¤œ
Account Maintenance Free - Up to Tk 10,000
Not Applicable Free Free
Fee (half yearly)/A¨vKvD›U 100tk - above Tk. 10,000 up to Tk. 25,000
†gB‡›U‡bÝ wd (Aa© evwl©K) 200tk - above Tk. 25,000 up to Tk. 2,00.000 cÖ‡hvR¨ bq d«x d«x
(Half yearly average 250tk - above Tk. 2,00,000 up to Tk. 1,00.0000
balance basis/Aa© evwl©K Free - above Tk. 1,00,0000
A¨vfv‡iR e¨vjvÝ wfwˇZ)
d«x - 10,000 UvKv ch©šÍ
100 UvKv - 10,000 UvKvi D‡×©- 25,000 UvKv ch©šÍ
200 UvKv - 25000 UvKvi D‡×© 2,00,000 UvKv ch©šÍ
250 UvKv - 2,00,000 UvKvi D‡×© 10,00,000 UvKv ch©šÍ
d«x - 10,00,000 UvKvi D‡×©

Internet Banking Yearly Charge Free Dormant Account Activation Free

e-Statements Free Account Closing Fee for Current Accounts Upto Tk. 300

SMS Banking Upto Tk 250 (annually) Account Closing Fee for Savings Accounts Upto Tk. 200

Tax Certificate (Account/FDR/DPS/Loan) Upto 300 (Free, Request Duplicate Account Statement Upto Tk. 100 (last 12 months)
through Call Center) (Through Branch)
Cash Withdrawal from Other Bank VISA/ Upto Tk. 15
BO Account Certificate Upto Tk 100
Master ATMs (Per Withdrawal)
Cheque Book Charges Tk. 200 for 10 pages Cash Withdrawal Charges for ATMs Upto Tk. 250
Tk. 300 for 15 pages outside Bangladesh for Multi-Currency
Tk. 400 for 20 pages Debit Card

Important notes (¸iæZ¡cyY© Z_¨)

• 15% VAT is applicable for all fees and charges (mKj wd Ges PvR©mgy‡ni Ici 15% f¨vU cÖ‡hvR¨)
• Govt Excise Duty is applicable annually for all accounts (mKj A¨vKvD‡›Ui Ici evwl©K wfwˇZ miKvix AveMvwi ïé cÖ‡hvR¨)
• For Employee Banking clients, rates, fees & charges shall apply as per payroll agreement (Ggc øqx e¨vswKs Gi Rb¨ Ggc øqx e¨vswKs Gi Pyw³ Abymv‡i wd Ges PvR© cÖ‡hvR¨)
• For more details, please refer to Schedule of Charges available at BRAC Bank website (www.bracbank.com) (we¯ÍvwiZ Z‡_¨i Rb¨ AbyMÖn K‡i eª¨vK e¨vs‡Ki I‡qe mvBU
(www.bracbank.com) cwi`k©b Kiæb)
• All overseas transactions will be converted using VISA/Mastercard exchange rates. A foreign currency factor of 3% will be applied in case of overseas transactions when the
transaction currency is non USD (†`‡ki evwn‡i m¤úvw`Z mKj †jb‡`b wfmv/gv÷vi Kv‡W©i G·‡PÄ †i‡Ui gva¨‡g iƒcvšÍwiZ n‡e| †jb‡`‡bi Kv‡iÝx bb-BDGmwW n‡j †`‡ki evwn‡i m¤úvw`Z †jb‡`‡bi †¶‡Î
3% d‡ib Kv‡iÝx d¨v±i Av‡ivwcZ n‡e)

6 of 12
 Terms & Conditions
This is an agreement between Account Holders (the “Customer”) and BRAC Bank Limited (“BBL” or “the Bank”) setting forth the terms and conditions for each account with BBL. In consideration of the Bank
opening an account, the Customer by signing the Account Opening Form (AOF) or by using an account, agrees to be bound by these terms and conditions, as amended by BBL from time to time.
1. Governing Laws: These terms and conditions are applicable to the Bank’s customers (existing and new) and governed by the laws, rules and regulations of Bangladesh Bank and policies and guidelines
of the Bank in accordance with the laws of the land.
2. Acceptance of Terms and conditions: Any person opening an account with the Bank shall be deemed to have read, understood and accepted the terms and conditions herein governing the account.
3. Bank Accounts: (a) Information about Customers: Bank shall not provide any services to customers engaged in illegal activities affecting the welfare of the society. Bank shall therefore obtain full
information of the customer which is true and correct. The Customer agrees to provide the Bank such information, particulars and documents as the Bank may require from time to time in connection with
the Customer’s financial condition, background and dealings with banks and businesses. The Customer confirms that all information, particulars and documents that the customer provides are true, correct
and complete and that if there is any change to the information provided, the Customer will immediately inform the Bank in writing. The Customer authorizes the Bank to obtain any information that the Bank
considers necessary from other banks, organizations and the sources that provide information relating to the customer’s’ financial condition. It is the Bank’s policy to maintain confidentiality of customer
information. However the laws and regulations in Bangladesh may require disclosure of customer information to Government organizations, regulatory organizations such as the Bangladesh Bank, any person
to whom the bank is required or authorized by law or court order to make such disclosure, to any bank or financial institution with which the customer has dealings; regardless of whether the recipient in each
case is located in Bangladesh or in another country, and regardless of whether such information will, following disclosure, be held, processed, used or disclosed by such recipient in Bangladesh or another
country. The Bank may also consider sharing customer information in a way that it considers most suitable with other organizations to improve banking services. The customer authorizes the Bank to disclose
or share information at the sole discretion of the Bank and indemnify the Bank from any accidental disclosure of information during the process of printing, transportation and filing of information. Information
corrected post verification and based on authenticated documentary evidence by bank will be considered as the correct information
(b) Fees: The Bank shall be entitled without notice to levy or impose fees and other charges and expenses (including collection fees and legal expenses) as per Bank’s schedule of charges in respect of any
account or in respect of any banking facility provided to the customer by the Bank and to debit the relevant account (s) in accordance with the Bank’s normal banking procedure. Such charges are not
refundable upon termination of any or all of customers account(s).
(c) Credit of the Account: The Bank acts only as the collecting agent and assumes no responsibility for the realization of any items disposed with the Bank for collection. Thus, proceeds of cheques or other
instruments deposited are not available for withdrawal until collected by the Bank. The Bank reserves the right to debit any account that may have been inadvertently credited with an item subsequently
unpaid on collection.
(d) Issue and Safety of Cheque: Cheques will only be issued to a Customer when all documentation considered necessary by the Bank has been obtained. It is the responsibility of the account holders to
ensure that cheques in their possession are kept in secured place. The customer must at all times exercise due care to prevent cheques, payment orders or other order of instruments from coming into the
possession of unauthorized persons and to prevent cheques, payment orders or other order of instruments or instructions from being altered or forged in a manner which may facilitate fraud. In such events,
the Bank is not responsible for any loss suffered by the customer or any other person. Any loss of cheques, payment orders or other orders or instrument must be immediately reported to the Bank and
confirmed in writing without delay.
(e) Closure of Account: The Bank reserves the right to close any account or related service without giving prior notice if the conduct of the account is unsatisfactory in the opinion of the Bank or for any other
reason(s) whatsoever. The Bank shall pay to the customer all available and finally collected balances after all dues to the Bank have been recovered / realized at the time of the closure of the account.
(f) Minimum Balance and Interest Payment: The minimum average monthly balance as prescribed by the Bank from time to time is required to be maintained in Current, Savings and other accounts. The
Bank reserves the right to change the minimum balance requirement. If the balance falls below the required minimum for the period, the Bank may not credit any interest for that period.
(g) Periodic Statements and Advices: The customer shall be provided with account statement on half yearly basis. The customer is required to promptly notify the Bank of the failure to receive an expected
statement or advice. If the account holder does not bring the errors, discrepancies or irregularities to the notice of the Bank in writing within fifteen (15) calendar days after the mailing of the statement or
advice, it will be construed that the transaction shown on the account statement or advice are correct and complete.
(h) Deposits, Withdrawals and Banking Facilities: The Bank shall meet its obligation exclusively at the branch office where the account is maintained by the customer. When, appropriate telecommunication
is possible, deposit or withdrawal of money may be made at any of the Bank’s branches in Bangladesh subject to the terms and conditions of the Bank. The Customer shall ensure that there are sufficient
funds (or pre-arranged credits) for the Bank to honor cheques presented to the Bank. The Bank may, at its, sole discretion carry out the instruction notwithstanding such inadequacy and may do so without
seeking prior approval from or notice to the customer and the customer shall be responsible to repay the resulting overdraft, advance or credit thereby for all related charges.
(i) Suspicious Transaction: The Bank may refuse to proceed any transaction on any account of the customer if the Bank suspects fraud or illegality therein. The decision of the Bank with regards to whether the
transaction is or is likely to be involved a fraud or irregularity shall be final and conclusive and binding on the customer.
(j) Instruments Deposited: The Bank will not accept stale or post dated instrument for deposit. The Bank may refuse to accept an instrument payable to “Cash” if the instrument is not payable to “bearer”. The
Bank will refuse to accept an instrument for deposit if the payee’s name is not identical to the name of the customer in the Bank’s record.
(k) Orders to stop payment or Amend instruction: A customer may place a stop payment order for a cheque in writing. The Bank will not make the payment if it has reasonable opportunity to act on such
order.
(l) Guarantor’s liability: In case of default of any loan with the bank, the bank shall preserve the right to deduct the outstanding amount from the account of such accountholder/customer, who is a guarantor
in the said loan with the bank.
(m) Nominee: In the event of the death of a customer, the nominee shall receive/draw the amount of deposit held by the Bank in the customer’s account. In case of mentally disorder and/or mental disability
of a customer, the nominee shall have to submit a medical certificate from the concerned Civil Surgeon stating inter alia that the customer is unable to take his own decision. In the event, the nominee is
a minor the legal guardian is authorized to receive/draw the amount of deposit held by Bank, in the customer’s account. In the event there is no nominee, the account will be frozen until the legal successors
to the deceased is appointed/determined by the relevant Court of Law.
(n) Service Disruption: The customer agrees that the Bank will not be liable for any loss or any damage if it is unable to provide services in connection with any customer accounts due to postal, courier,
electrical, mechanical, telecommunication or computer failure or an act of God, catastrophe, war, civil or industrial disturbance.
(o) No Liability of Loss: The customer agrees that the Bank will not be liable for any loss, damage or liability incurred by the customer in connection with any of its account with or services provided or agreed
to be provided by the Bank or in action on part of the Bank or any of its officers, agents, employees and representatives. The customer agrees not to hold the Bank liable for any loss or damage arising from:
(A) non-discovery of any forgeries or frauds, except to the extent that the Bank has acted with gross negligence, (B) the Bank closing the customer’s account for whatever reason whatsoever, (C) directly or
indirectly, the error, failure negligence, act or omission, or any other person, system, institution or payment infrastructure.
(p) Joint Accounts: i) Each of the account holders hereby authorizes and empowers each other to endorse for deposit and to deposit with the Bank any and all cheques, notes or other instruments for the
payment of money, payable to or purporting to belong to anyone or all of us and if any such instruments be received by the bank without having been so endorsed then the bank is hereby authorized to
endorse any such instrument on behalf of the customers and to credit the same to the account. ii) An overdraft or other obligations incurred on the account or otherwise shall be the joint and several liabilities
each and every joint account holder. In the event of the death or legal disability of any of the individuals constituting the account holder, the other individual(s) shall immediately (but in any event not later
than ten(10) days after such death or disability) and before affecting any transactions in the account, notify the bank of such death or legal disability. iii) In the event that there is no survivor or nominee, that
account will then be frozen until the legal successor to the deceased or disabled individual is appointed/ determined by the relevant court or department.
(q) Indemnity: The customer shall keep the Bank indemnified at all times against all losses, costs, damages, expenses (including legal fees), claims or demands arising in any way in connection with the
customer’s accounts or in enforcing these terms and conditions and in recovering of any amount due to the Bank or incurred by the Bank in legal proceedings of whatever nature.
(r) Waiver: No forbearance negligence or waiver by the Bank in enforcement of any to these terms and conditions shall prejudice the Bank’s right to enforce the same thereafter. No waiver by the bank shall
be effective unless it is in writing and duly signed by the authorized signatories of the Bank.
(s) Variations: The bank reserves the right to alter or amend these terms and conditions at any time by giving not less than fourteen (14) days notice to the customer spacing the effective date of amendment.
If the customer uses any banking facility after the effective date of the amendment, the customer shall be deemed to have received notice of the amendment and to have consent to such amendment
and decided to continue to use the banking facilities upon the revised terms and conditions. The customer further acknowledges that in the event of any changes being communicated to him/her, the
bank is not obliged to obtain the customer’s signature for receipt of such communication.
4. Automated Teller Machine (ATM) & Debit Card: These terms and conditions apply to the operation and use of “BRAC Bank Visa/MasterCard Debit Card”(hereinafter referred to as the “Debit Card”) by the
customer as provided to him/her and replaced from time to time.
Withdrawals: Using the Debit Card, customer can withdraw Taka from Taka current and savings account but cannot access his/her foreign currency account to withdraw foreign currency. Customer’s
account(s) will be debited with the amount of any withdrawal, transfer and/or other transaction initiated by use of the Debit Card and any applicable charges in respect thereof and in respect of the Card.
Customer will maintain sufficient funds in his/her accounts for this purpose. Without prior overdraft arrangement, customer cannot overdraw from his/her account. Ownership: The Bank vests the ownership of
the Debit Card on the customer (the person named on the Debit Card). Customer is responsible for safekeeping and preventing damage to it through reasonable care. Customer can neither transfer nor
pledge/charge the Debit Card in any manner whatsoever. Customer shall be charged with annual Debit Card issuance fees, replacement fees (if replaced) at prevailing rates or at rates amended by Bank
time to time. The Bank reserves the right to cancel or refuse to issue/reissue/renew/replace Debit Card without giving any reason and prior notice.
PIN: The PIN of the Debit Card and any change thereof is strictly confidential and must not be disclosed to any third party under any circumstances whatsoever. Customer shall exercise all precautions to
prevent damage, fraudulent or unauthorized use, loss or theft of Debit Card and disclosure of his/her PIN (whether voluntary or involuntary) to third parties and if he/she fails to do so he/she shall be solely
responsible for any such occurring as being the custodian of the same as per prevailing laws of the land . BBL shall not be liable in any manner for any loss, or unauthorized use or misuse of Debit Card/PIN
and any loss thereof and customer shall be held liable for all losses and damage suffered by BBL due to such misuse of Card/PIN or loss.
Reporting: The theft/loss of possession of Debit Card or unauthorized disclosure of PIN must be reported to the Bank immediately and confirmed in writing as soon as possible during business hours. Despite
any report, the customer is always responsible for all transactions carried out with his/her Debit Card. If a lost Debit Card is later found in the customer’s possession, it should be surrendered to the Bank
immediately. Bank will charge replacement fees as applicable.
Automated Teller Machines (ATM): The customer shall have continuous access to ATMs or at such times as notified by the Bank. However, the Bank may decline or defer access to any ATM for repairs, routine
maintenance, cash replenishment, or for any reason whatsoever including compliance with any statutory, judicial, or government order or regulation, if the Bank considers it unsafe or inexpedient to permit
access to an ATM. Any receipt/statement issued by ATM after withdrawal is conclusive, but if otherwise verified by the Bank, such verification shall be final.
Waivers: The Bank may set limitations on individual transactions, including daily cash withdrawals limits from time to time and without prior notification. All services may not be available at an ATM. The Bank
reserves the right to add or remove ATMs or extend or limit the services at all times at an ATM, or to discontinue the ATM service, without notice. The Bank will not be liable for any delay or failure to provide
any service or to perform any obligation hereunder where such a delay or failure is attributed (whether directly or indirectly) to any malfunction of an ATM or Debit Card, temporary insufficiency of funds, or
any dispute with the customer, or to circumstances beyond its control. The Bank will not be liable for any consequential or indirect loss or damage, costs, or expenses whatsoever arising from, or related to,
the use or delay in or inability to use any ATM or any Debit Card.
Termination: BBL or customer may terminate use of a Debit Card at any time, in which event customer must immediately return the Debit Card to BBL. No action, inaction, or omission by the Bank in

7 of 12
 Terms & Conditions
connection with any ATM or Debit Card shall be deemed a waiver of its right under any of these terms and conditions.
Restrictions: In order to ensure financial security of BRAC Bank cardholders, the bank reserves the right to restrict card transactions at any particular merchant(s) on immediate basis. The restriction is at the
sole discretion of BRAC Bank Limited. Periodic review of the restricted merchants is a recurring activity of the bank. Based on the result of such review, the list of allowable/restricted merchants may change.
Indemnity: Customer undertakes to indemnify the Bank and to keep the Bank indemnified against all losses, claims, actions, proceedings, demands, damages, costs and expenses, incurred or sustained by
the Bank of whatever nature and howsoever arising out of or in connection with the issuance or authorized or unauthorized use of any ATM or Debit Card, including but not limited to, the unauthorized use of
an ATM or Debit Card.
Notice: Any notice sent to the customer by hand, post, registered post or couriered to the address registered with the Bank or to such other address as the customer may notify in writing shall be deemed to
have been duly served on him/her in the usual course of post. Change: The Bank reserves the right to add, delete and/or vary any of these terms and conditions without prior notice. Use of the Debit Card
after the date upon which any change to these terms and conditions is to have effect will constitute acceptance, without reservation, by the customer of such a change. If the customer does not accept
the change, the Debit Card must be returned to the Bank prior to the date upon which such a change will take effect. I understand that for the protection of customers and Bank, all deposit envelopes will
be opened in the presence of two bank staff members. I also understand that cash deposited will be credited subject to realization. I further understand that instructions will be acted upon by the next working
day. All deposits are accepted subject to verification by the bank. The bank’s verification will be considered correct and will be deemed to be amount deposited by me. The use of local Debit Card is
confined to Bangladesh only and International Debit Card may be used anywhere in the world subject to applicable charges. Use of the local Debit Card outside Bangladesh shall make the card liable for
immediate cancellation and any other appropriate action as stipulated by Bangladesh Bank or other regulatory body. The cardholder will also be liable to clear all outstanding without prejudice to any right,
remedy or action against him/her by the Bangladesh Bank, the bank, court or any regulatory agency. Cash withdrawal and purchase limits of the Debit Card are subject to change I/We agree to applicable
charge only.
I may use an International Debit Card overseas if I comply with exchange controls and other applicable laws of Bangladesh. If an authority requires the bank to do so or the bank is otherwise required by law
or pursuant to agreements with any regulator or any authority to do so, or if the bank needs to comply with internal policies associated with any applicable order or sanction of an authority, I may be
prevented from using an International Debit Card overseas.
The bank shall be under no liability whatsoever to the cardholder in respect of any loss or damage arising directly or indirectly out of refusal of any merchant or member institution of visa card to honour or
accept the card or for any defect or deficiency in the goods or services supplied to the cardholder by any merchant or where applicable, for any breach or non-performance by a merchant of a card
transaction. Your International Debit Card transactions denominated in a currency other than US dollars will be subject to a 3% charge over the exchange rate by visa.
5. SMS Banking: This application form must be sent directly to BRAC Bank and not by facsimile. The Bank will require two working days after receiving the SMS Banking Application Form for activation of the
service. In case of Bank Account, BBL will accept Application Forms signed by the authorized signatories of the account only. For PUSH service, BBL will use Mobile Phone Service Provider’s Short Message
Service (SMS) to send the financial information related to a link account. For PULL service, the account holder upon receiving application will be able to obtain a range of financial information related to
account by typing a pre-defined key letter as a message in the Mobile Phone and then sending this message to a prescribed SMS number of Mobile Phone Service Provider. For this service, regular SMS
charges of Mobile Phone Service will apply. The account holder is solely responsible to stop misuse of SMS Banking Services and also to maintain the confidentiality of his/her financial information by ensuring
safe holding of Mobile Phone /connection assigned to SMS Banking Service provided by BBL. If the mobile phone/connection is lost, stolen or sold to another individual, the account holder shall immediately
notify the Bank by calling at 16221 and cancel the SMS Banking Service. The account holder hereby agrees that BBL shall not be responsible for any disruption in SMS Banking Service due to any mechanical
failure on part of BRAC Bank/Mobile Phone Service Provider. SMS Banking service shall remain effective until otherwise advised in writing by the account holder. The laws of Bangladesh shall govern these terms
and conditions. The Bank may revise and/or change any of the terms and conditions at any time with notice to the client but does not require any consent. For providing SMS Banking Services, BBL may
collect service charge from the linked account. Bank may revise and/or change the service charge at any point of time.
6. E-statement: a. Upon subscription to e-statement, the customer’s statements will be e-Statement and no paper statements shall be provided unless specifically asked for in writing and accepted by the
Bank.
b. BBL has the sole discretion to refuse subscription or stop the e-Statement service at any time without prior notice for any reason in which case the customer will receive paper statement.
c. BBL shall not be liable for any loss incurred or damage suffered by the customer directly or indirectly by reason of or in consequence of the e-Statement service or for any technical, hardware or software
failure of any kind, any interruption in the availability of the service, any delay in operation or transmission, any incomplete or garbled transmission, computer virus, loss of data or other similar loss
d. The e-statement shall be conclusive evidence of the correctness of all debits and credits and balances of the account(s). In case of any dispute about the contents or any entry in the account, the
customer shall notify BBL within 15 days from the date of receipt thereof
e. The e-statement is provided entirely at the customer’s sole risk. In case of disclosure of the released statement, BBL shall not be liable for any direct, indirect, special, incidental or consequential loss or
damage which may arise in respect of this disclosure and/or delivery of this e-Statement service through the email address(s) stated.
f. The e-Statement Service is free of charge. However, BBL may charge for the Service in the future after prior notification.
g. BBL does not guarantee the delivery of any email notification. BBL is not liable for losses or damages arising from non-delivery, delayed or misdirected notifications which are concerns of Internet Service
provider and Phone Company. BBL does not make any representations or warranties (express or implied) whatsoever with regard to products or services of third parties and that e-Statement delivery and
operation will be uninterrupted or error free.
h. To the extent BBL may have breached any term of this agreement, the sole remedy of the customer is to discontinue use of this service.
i. BBL may change the terms and conditions of e-Statements at any time. If customer does not wish to accept the change, he/she may terminate and discontinue receiving e-Statement with prior notification
to BBL.
7. Internet Banking: Use of BBL Internet Banking Service is subject to the following terms and conditions which set out the general rights and obligations of the User(s) and BRAC Bank Ltd in connection with
the use of BRAC Bank Ltd Internet Banking Service. For the purpose of this document, “Internet Banking Services” or “I-Banking” refers to the internet banking services provided by BRAC Bank Limited through
internet or e-commerce banking such as balance enquiry, utility bill payment, fund transfer within the accounts of BRAC Bank Limited services etc. or other services as may be made available by BRAC Bank
Limited from time to time.
1. Application for BBL Internet Banking:
1.1. Singly operated account holders, Joint accountholders (operating in either or survivor mode), or proprietorship accountholders may apply for Internet Banking Services. In terms of joint account holders
(operating in either or survivor mode), only one of the applicants will be entitled for requesting and receiving all Internet Banking associated services. The User shall apply to BBL branches in the prescribed
form and must submit at his/her presence for use of Internet Banking Services subject to the terms and conditions stated herein including any other terms and conditions as modified or inserted by BBL from
time to time.
1.2. New Application for Remittance Customers: The customer, who is applying for Internet Banking Service while opening NEW Remittance A/C, does not require additional document. The reason is that, A/C
Opening Document covers the entire necessary documents for Internet Banking Service.
If existing Remittance Banking customer wants to apply for Internet Banking service from abroad, they need to send filled up Internet Banking application form along with valid passport copy (first 6 pages
with amendment pages if available) & Driving License/Residency Card/ PR Card (Photo ID) copy attested by Bangladesh High Commission through International Courier to: Relationship Manager (where
Remittance Agent is not available): Relationship Manager, Remittance Services, Retail Banking Division, BRAC Bank Limited,Anik Tower, 220/B Tejgaon I/A, Dhaka 1208, Bangladesh. Relationship Manager,
Remittance Banking Services is the core contact point of Remittance Internet Banking customer. However, if Remittance Banking Agents are available in their locations and they can confirm/authenticate
"Customer's Physical Presence in front of them" on the Internet Banking application form, Attestation by Bangladesh High Commission is not required. However, required document i.e valid passport copy (first
6 pages with amendment pages if available) & Driving License / Residency Card/ PR Card (Photo ID) copy has to be submitted along with the Internet Baking application form.
1.3. BBL at its sole discretion may accept or reject any such applications. Once the application is accepted by BBL, these Terms & Conditions shall form the contract and govern the relationship between
the User and BBL in relation to use of Internet Banking Services.
1.4. The User needs to use a unique e-mail address and mobile number for each User lD.
1.5. By applying for Internet Banking for the first time, the User acknowledges and accepts these Terms & Conditions. Notwithstanding anything contained herein, all Terms & Conditions pertaining to the
accounts shall continue to apply. In the event of any conflict between these Terms & Conditions and the Rules and Regulations governing the User(s) account with BBL, these Terms and Conditions shall prevail
with regard to BBL Internet Banking.
2. Internet Banking Users Log In Access, Password & Security Procedures:
2.1. BBL will provide the User with unique User Identification Number (“User ID”) and a temporary Password in the first instance through email. The User(s) hereby authorizes and instructs BBL to email him/her
the User ID and Password relating to his/her access/log-in to the Internet Banking Services to the email address given in the application at his/her own risk and responsibility. BBL shall not be liable and
responsible for hacking of your computer where the user will receive the User ID and Password and BBL shall not be responsible and Liable for share of User ID and Password.
2.2. The User shall log in to the internet banking by using the User ID and Password. As a safety measure, the User shall immediately change Password upon his/her first login. User is requested to change his/her
Password frequently thereafter to avoid any possible hacking, inherent risk or misuse/fraudulent use of his/her account. In case of hacking/sharing of User ID and Password BBL shall preserve the right to close
the I Banking Service without prior consent from the User, However, BBL shall preserve the right to file a case against the User if it is observed by BBL that the User has/may any involvement with the incident.
2.3. The User acknowledges that the Login ID (User ID) and the Password shall act as User's authorized signature. This signature authorizes and validates directions given just as an actual written signature does.
2.4. The User is therefore responsible for maintaining the confidentially and secrecy of User ID and Password. User should not under any circumstances disclose his/her User ID and/or Password to anyone,
including anyone claiming to represent the Bank or to someone giving assistance on a technical helpdesk in connection with the service. It is clearly understood that Bank’s employees do not need Password
for any reason whatsoever. Bank shall not be held liable in any manner or in any form whatsoever in case of any unauthorized or fraudulent use of the User’s account through Internet Banking Services or for
loss, misplacement or fraudulent use of the User ID and Password.
2.5. If the User gives or shares his/her User ID, Account Password or OTP to anyone or fails to safeguard its secrecy, he/she does so at his/her own risk because anyone with User ID and Password will have access
to his/her accounts.
2.6. User needs to call 16221 to reset password, lock or change account to non-transactional mode of Internet Banking (IB) status. Non resident User needs to call +880 2 55668056.
2.7. If the User’s password is lost or stolen, or is known by another individual, he/she must notify BBL through calling in Call Center to deactivate the I-Banking account and submit a written application at any
nearest BBL Service Outlet. BBL upon receipt of the written request from the User shall at the earliest, stop the operation of the Internet Banking Services of the respective User account. If the Bank receives any
information verbally or in written form from anyone including the user, Bank may immediately suspend the services in good faith for the safety and security of the user.
2.8. The User agrees and acknowledges that BBL shall in no way be held responsible or liable if the User incurs any loss as a result of information disclosure to any third party by the user him/herself regarding
his Account(s) or carrying the instruction of the User pursuant to the access of the Internet Banking and the User shall fully indemnify and hold harmless BBL in respect of the same.
2.9. User hereby acknowledges and understands the inherent risk of using Internet and availing the Internet Banking Services and accordingly shall take all necessary precautions at his/her end to safeguard

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 Terms & Conditions
him/her from such risk. Bank shall not be held liable in any form whatsoever if the User suffers any loss or damages due to such inherent risk of internet and Internet Banking Services unless such loss or damage
is caused due to willful negligence of the Bank or any other causes beyond the reasonable control of the Bank.
Charges: 3.1. BBL shall initially provide the Internet Banking Services at free of cost. However, BBL reserves the right to change and recover from the User(s) service charges, as may be fixed by BBL from time
to time. The User hereby authorizes BBL to recover such charges from his/her account(s).
4. Unauthorized/ Fraudulent Activities: 4.1. Upon obtaining User ID and Password, User is requested to check the list of his/her accounts with BBL. If any of User account is missing, BBL must be informed immediately.
If a third party account is linked to User’s ID, BBL must be informed also. Do not access it or do not perform any transaction on that account. Such activity, if done, will be treated as fraudulent activity.
4.2. If User believes unauthorized transactions are being made with his/her account, he/she should change the Password immediately and notify BBL.
4.3. The User should check the Statements for all of his/her accounts for any unauthorized transaction. In case of any discrepancy in details of any transactions carried out in respect of the account, in that
event, User should immediately inform BBL in writing. Bank’s only responsibility would be to use its best efforts to prevent such unauthorized transaction(s) if none had already been made.
4.4. The Bank will not be responsible for any transaction in cases of Joint Account Holders (operating in either or survivor mode), where a transaction made by one accountholder is not in agreement with
the other joint account holder.
5. On-line Fund Transfer: 5.1. User shall be responsible for all ‘’fund transfer’’ transactions. Fund Transfer can be made from User account to another account held with BBL and other banks.
5.2. EFT Disclaimer: BRAC Bank Limited will not be liable for any Electronic Fund Transfer (EFT) request rejected by system for the mistake/noncompliance of BEFTN rules by the originator. BRAC Bank shall have
the right to reject any EFT entry if not fully complied with requirements of EFT transaction and the originator is in default, including but not limited to the requirement, to maintain an adequate account balance
or line of credit.
Bank will not reinitiate any returned entries automatically, but the originator may reinitiate, if necessary, any returned entry at their discretion following the same BEFTN process. Bank will not be liable for any
wrong credit to destination Bank account executed based on the data input (i.e. A/C No, amount, routing number etc.) of the originator. Bank will only initiate the EFT requests received within 4 pm, requests
received after this cut-off time will be treated as next working day’s instructions and will be processed accordingly.
BRAC Bank will not be liable for any delay by the concern bank to credit beneficiary A/c and the same is also applicable for the reversals. Charges may apply for EFT transaction processing, as instructed
by Bangladesh Bank from time to time, and the same will be realized from the originator’s A/C accordingly. For any losses due to unauthorized EFT transaction, the originator/payer must notify in writing to
BRAC Bank within 15 days from the date of issuance of the statement of account. Originator will bear/accept in case the execution of any EFT request is delayed due to unavoidable system malfunction or
some other technical issues. Bank may add or modify the standard terms of conditions, (If needed).
6. Utility Bill Payment: 6.1. The Utility Bill Payment services is only available to Users of BBL Internet Banking Service and shall cover all the utility bill payments of different utility service provider(s) (Billers) as
mutually agreed between BBL and the utility service provider(s).
6.2. The User should accept that he/she will be responsible for putting in the correct account number and transaction amount for the fund transfer request. In such case, BBL will not be liable for any erroneous
transaction(s) incurred arising out of or relating to the User entering wrong account number and amount.
6.3. Upon BBL’s decision, there will be a transaction amount limit for internet banking. Maximum amount of transaction limit can be subject to change from time to time at BBL’s discretion.
6.4. For any transaction made after working hours or during public/bank holidays, the transaction’s value date will be the next working day.
6.5. No transaction is allowed from a non-convertible taka account to a convertible account.
6.6. In addition to the terms and conditions stated above, the existing policy of the Bank (including amendments from time to time) regarding Bill Collection shall also be applicable for Bill Collection as long
as it does not contradict with the provisions stated herein. The policy of the Bill Collection shall be available from the branches of the Bank.
6.7. Payment amount and recipient information must be accurate as per the Bill. Any less or higher payment or incorrect beneficiary/recipient information is the sole responsibility of the User and the Bank
shall not be held liable for any losses, late fee charges, damages or disconnection of utility services.
6.8. This agreement does not bind BBL as an agent of Utility agency. BBL shall not be held responsible for disconnection of the utility service for any reason by the utility service provider.
7. Maintenance of Sufficient Fund: 7.1. The User shall ensure that there are sufficient funds in his/her account for transactions through the Internet Banking. All instructions of the User shall be carried out
subject to sufficient fund in the respective accounts.
7.2. BBL shall not be liable for any consequences arising out of its failure to carry out the instructions due to inadequacy of funds.
8. Anti Money Laundering: 8.1. User should agree and confirm that he/she will not use this Internet Banking facility for money laundering, illegal, unlawful purpose.
8.2. User shall fully comply with the laws related to the money laundering and shall not use the Internet Banking services for any anti-terrorism or anti-state activities.
8.3. BBL reserves the right to request explanation from the User regarding any matter pertaining to money laundering and anti-terrorism law of the country.
9. Proprietary Rights: 9.1. The User acknowledges that the software underlying the Internet Banking as well as other Internet related software which are required for accessing Internet Banking are the legal
property of the respective vendors or BBL as the case may be.
9.2. The permission given by BBL to access Internet Banking will not convey any proprietary or ownership rights in such software.
9.3. The User shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software underlying Internet Banking or create any derivative product based on the software.
9.4. User shall keep all information whether of the User, BBL or any other third party/customer derived from the Internet Banking Services strictly confidential and shall not disclose to any third party without prior
written consent of BBL.
10. Governing Law: 10.1. These Terms and/or the operations in the Accounts of the User shall be governed by the Laws of Bangladesh, in force.
10.2. BBL may, in its absolute discretion, commence any legal action or proceedings arising out of breach or violation of any of the Terms for Internet Banking in any other court, tribunal or other appropriate
forum irrespective of the place from where the User access the Internet Banking Services, and the User hereby consents to that jurisdiction.
10.3. Any provision of the Terms for Internet Banking which is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of prohibition or unenforceability but shall
not invalidate the remaining provisions of the Terms or affect such provision in any other jurisdiction.
11. Force Majeure: 11.1. If for any reason beyond its control including but not limited to system error, network problem, strikes, labor disputes, accidents, governments requisition, restrictions or regulations
on travel, hospital operation, political disturbances, acts of war, acts of God, which may hamper to provide regular and normal service and unable to perform its obligations under this agreement, that case
BBL shall not be responsible anymore.
12. Changes of Terms:
12.1. BBL shall have the absolute discretion to amend or supplement any of the Terms at any time and shall attempt to communicate such change(s) wherever feasible by any possible means. By using any
new services as may be introduced by BBL, the User shall be deemed to have accepted the changed Terms.
13. Termination on Internet Banking: 13.1. The User may request for termination of the Internet Banking to BBL branches at any time by giving a written notice at his/her presence of at least 15 days prior.
The termination shall take effect on the completion of the fifteenth day. However, the User shall always be held liable for all accrued obligation or instruction given before or on the effective date of
termination. A nonresident customer can pay visit to any branch for termination of his/her Internet Banking while s/he is in Bangladesh or can send the completely filled up internet banking form with
photocopy of first six pages of passport attested by nearest Bangladesh High Commission and send them via international postal service/courier to: Manager, Internet Banking, Cards and Payments, Retail
Banking Division, BRAC Bank Limited, Anik Tower,220/B, Tejgaon I/A, Dhaka-1208, Bangladesh.
14. Account Dormancy:
1. An Account (Current or Savings) will be treated as ‘Inoperative’ if no transaction takes place for 06 months from the date of last ‘transaction’ by the Account Holder. Here, ‘transaction’ refers to the
transaction in an account through cheque, debit instruction, debit or similar card, internet banking or using any app for account operation. However, any interest/profit payable on the accounts or any
charge/excise duty/VAT imposed on the account will not be treated as ‘transaction’.
2. After being marked as ‘Inoperative’, when the time mentioned below elapses, the account will be marked as ‘Dormant’:
• A savings account will be marked as ‘Dormant’ after being ‘Inoperative’ + 18 months elapse= 02 years after last date of transaction.
• A current account will be marked as ‘Dormant’ after being ‘Inoperative’ + 6 months elapse = 01 year after last date of transaction.
Please note that accounts of the government organizations and minors; and accounts containing Court’s money or Court’s accounts will not be marked as Inoperative/Dormant.
3. Any applicable interest/profits on ‘Dormant’ accounts will be paid as per the terms of the contract with the Account Holder and relevant charges/excise duty/VAT applicable thereon shall be deducted at
the stipulated time.
4. In order to activate the dormant account (current and savings) customer has to apply in writing to the relevant branch manager. The said dormant account can be activated by the bank at its own
discretion after considering the said application. No charges/fees will be levied for activation of the dormant account.
5. The Account Holder will be notified through SMS/email/letter or any other means at least 01 month before an account is marked as ‘Dormant’.
15. Breach of Terms & Conditions: 14.1. User must compensate for any loss that occurs as a result of his/her breaching any term of these agreements.
Precautionary Note: In order to prevent unauthorized transaction through Internet Banking Service, Users are advised to strictly maintain the following:
1. The User ID and Password should not be written anywhere accessible to third party even if it his/her family members.
2. User should make sure that no one is physically watching the password(s) when he/she is Logging in.
3. It is important to remember to click 'Log out' after completing his/her Internet Banking session.
4. User should not leave his/her PC unattended while logged in to the Internet Banking system and the browser running with a valid User ID and Password cached as in such case anyone can gain access
to the account
5. User should not choose Save Password options for any Auto Form fillers at any Public PC or the PC which is not owned by him/her.
6. Avoid using Internet Banking services at any public network (e.g.: Cyber Café, Public WIFI), Otherwise BBL is not liable for any incident of System Hack, Intrusions, Account Hack or System infection of
Malwares or Virus occur

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CONFIDENTIAL
AND
BANK USE ONLY
 KYC Profile Form for Individual Customer Account

Bank Use Only

Account Number:

CIF: Branch:

1. Account Title:

2. Type of Account:

3. Purpose of Account Opening:

4. Profession of Customer (Details):

5. Estimated Monthly Income of the
Customer:
6. Source(s) of Fund(s) (in Details):

1.
7. How has/have the Source(s)
of Fund(s) been verified? 2.
(Details with documents):
3.

8. How has/have the Address(es) of the A/C

Holder been verified? (Details)

9. Is/Are there any Beneficial Owner(s) of the account? □ YES □ NO

(If yes, information about each of the beneficial owners of the account must be collected as per the prescribed KYC form of Circular- 26 (Appendix - 1)

10. Identification Document (any one):

Copy Obtained Verified
(a) Passport No.:
□ □ If Applicable
(b) National Identification No.:
□ □ If Applicable
(c) Birth Registration Certificate No.:
□ □ If Applicable
(d) Electronic-Tax ID (E-TIN) No.:
□ □ If Applicable
(e) Driving License No:
□ □ If Applicable
(f) Others

11. In case of non-residents and foreigners:

□ Resident □ Work
(a) Type of Visa:
Date of Expiry: D D M M Y Y Y Y

□ Others (please specify): …..…….......…......................................................................................

(b) Is there the work-permit copy and approval from the competent authority for opening bank accounts of work permit holders?
(If applicable) □ YES □ NO
(For non-resident Bangladeshi customers, copy of passports and for foreign customers, copy of passport with visa must be obtained.)

12. Is the customer a Politically Exposed Person (PEP) / Influential Person (IP) / Chief or High Officials of an International Organization and their
family members or close associates? □ YES □ NO
If yes:
(a) Has the approval been taken from the senior management ? □ YES □ NO
(b) Has a face to face interview of the client been taken? □ YES □ NO
13. While screening, in light of relevant acts, rules, and circulars, has the customer’s name matched with the suspected individuals or entities as listed
under various resolutions of the United Nations Security Council for terrorist activities, financing of terrorism and financing the proliferation of weapons
of mass destruction and banned list of individuals or entities by the government of the people’s republic of Bangladesh? YES □
NO □
(a) If yes, steps taken in this regard:

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14. Risk Grading on Profession/Business:
(a) What does the customer do/What kind of occupation is he/she engaged in?
Sl. Risk Sl. Risk
No. Business Category Score No. Business Category Score
1 Jewelry/Gold Business/Precious Metal Business/Gems Trade 5 37 Business – (Advertisement) 3
2 Money Changer/Courier Service/Mobile Banking Agent 5 38 Service Provider 3
3 Real Estate Developer/Agent 5 39 Thread Trader/Garments Waste Trader 3
4 Construction Project Promoter/Contractor 5 40 Transport Operator 3
5 Painting/Antique Dealer 5 41 Tobacco & Cigarette Business 3
6 Restaurant/Bar/Night Club/Residential Hotel/Parlor Business 5 42 Entertainment Business/Amusement Park 3
7 Import/Export and Import/Export agent 5 43 Pharmaceutical/Medicine business 3
8 Manpower Export Business 5 44 Frozen Material Business (Cold storage) 3
9 Firearms Business 5 45 Motor Parts/Workshop Business 3
10 Garments Business/Garments Accessories/Packaging/Buying House 5 46 Small Entrepreneur (Annual Turnover Less than Tk. 50 lac) 2
11 Trust 5 47 Computer/Mobile Phone Dealer 2
12 Share/Stock Dealer, Broker, Portfolio Manager, Merchant Banker 5 48 Agro Business/ Rice Meal/ Beverage 2
13 Software Business/Information Communication & Technology Business 5 49 Poultry/ Dairy/ Fishing Farm 2
14 Off-shore/Non-resident Corporation 5 50 Manufacturer (Other than arms) 2
15 NGO/NPO 5 51 Others (Please specify in detail) 1-5
16 Cinema Production/Distribution Organization 5 Sl. Risk
17 Mobile phone/ Cable TV/ Internet Operator 5 No. Profession Category Score
18 Land/ Housing buy-sale Intermediary 5 1 Pilot/Flight Attendant 5
19 Insurance/ Brokerage Agency 5 2 Trustee 5
20 Business (Petrol pump/CNG Station) 5 3 Director (Private/Public Limited Company) 4
21 Ship Breaking Business 5 4 Professional (Journalist, Lawyer, Doctor, Engineer, Chartered Accountant) 4
22 Religious Institutions/ Organizations & Educational Institution 5 5 Senior Officials of Multinational Company 4
23 Travel Agent/ Tourism company 4 6 Housewife 4
24 Merchant with Yearly Investment of More than Tk. 10 Million 4 7 Service in the Information Communication & Technology Sector 4
25 Freight/Shipping/Cargo Agent/ C&F Agent 4 8 Player/ Media Celebrity/ Producer/ Director 4
26 Auto Business (New/Reconditioned Cars) 4 9 Freelance Software Developer 4
27 Business (Leather & Leather Products) 4 10 Government Service 3
28 Construction Materials Business 4 11 Landlord/ House Owner 3
29 Business (Indenting) 4 12 Private Service Managerial 3
30 Business (Outsourcing) 4 13 Teacher (Government/ Private/ Autonomous Educational Institute) 2
31 Law/ Engineering/ Consultancy Firm 4 14 Student 2
32 Fuel & Electricity Production Company 4 15 Service (Private) 2
33 Chain Store/ Shopping Mall 4 16 Self Employed Professional 2
34 Bank/ Leasing/ Finance Company 4 17 Retired from Service 1
35 Print & Electronic Media 4 18 Farmer/Laborer/Fisherman 1
36 Business - Agent 3 19 Others (Please specify in detail) 1-5

(b) Product/ Service Type Risk (c) Customer Acquisition Channel

Product/Service Type Score Category Risk Score
Savings Account 1 By Relationship Manager/By Branch 2
Current Account 4 By Direct Sales Agent 3
FC Account 5 Walk-in/Unsolicited 3
RFCD 5 Internet/Non Face to Face 5

(d) Geographical Risk

Category Score
Resident Bangladeshi 1
Non-resident Bangladeshi 2
Foreigner 3
For foreigners:
Is the country of the customer included in the Jurisdiction under increased monitoring and High-risk jurisdictions
subject to a call for action of FTF or, is the customer listed in UN or other Sanctioned List:
Yes 5
No 1

(e) Relationship Risk

Category Score
Is the customer a head or higher official of International Organization /PEPs/IPs according to BFIU circular:
Yes 5
No 0
Is the customer a family member/close associate of a head or higher official of International Organization/
PEPs/IPs according to BFIU circular
Yes 5
No 0

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 (f) Transactional Risk (g) Transparency Related Risk
Yearly Average
Transaction of the Score Category Score
Customer
Less than Taka 10 lacs 1 Has the customer provided trustworthy information
on source of fund:
From Taka 10 lacs to Taka 50 lacs 2
Yes 1
More than Taka 50 lacs to Taka 5 crore 3
More than Taka 5 Crore 5 No 5

15. Overall Risk Rating Assessment (Sum of risk scores of

serial no. (a) to (g) above) COMMENT:
Sum of Risk Score Overall Risk Rating
>=15 High
<15 Low

(Even if the risk rating is less than 15, taking the high risk of the beneficial owner into consideration, and stating the reason, a customer may be
categorized as a high risk customer based on subjective judgment)

Prepared by: Reviewed & Confirmed by:

(Account Opening Officer) (BAMLCO)

Signature: Signature:

(with seal) (with seal)

Name: Name:

Date: Date:

………………………………………………………………………………………………………....................................................................................
(Approving Senior Official for PEP/IP/Senior Official of International Organizations)
Signature, date and seal with name
Reviewed & Updated by Officer:
Date when the information of the account and Signature:
the customer was last reviewed and updated:
(with seal)
D D M M Y Y Y Y Name:
Date:

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Customer Segmentation Checklist (Bank Use Only)

Div Proposition Segment Sub-segment

Value Code Tick box Value Code Tick box Value Code Tick box Value Code

Retail 3 Mass-TARA 11

EB 12 Kids 31 Null 300

EB-TARA 13
Doctors 301
PB 14 Students 32
Engineers 302
PB-TARA 15
Accountants 303
NRB 16 Professionals 33 Lawyer 304
NRB-TARA 17 Architect 305
Mass 18 Self-Employed 34 Freelancer 306
EB-PB 19 Others 307
EB-PB-TARA 20 Salaried 35
Small 320
NRB-PB 21
Emerging Corporate 321
NRB-PB-TARA 22 Foreigners 36
Corporate 322
Landlord/Lady 323
Homemaker 37 Others 324

Teacher 330
Senior Citizen 38
Bank Financial institution, 331
Security & Insurance (BFSI)

Unemployed 39 Govt. Employee 332

NGO 333
Local Corporate 334
MNC 335
For Employee Banking:
Embassies & Development
336
Company code: Organization
RMG 337
Company category:
Defense & LEA 338
BRAC Family 339
BBL Staffs 340
Others 341
Mariner 342

Salary 350
Business person 351

House wife 360

Spouse 361

BRAC Bank Employee’s Signature Null 300

Others 371

Version-10.1