Individual Account

e¨w³K wnmve

Account Opening Form

wnmve †Lvjvi dig

Branch Name / kvLvi bvg :

Account Name / wnmv‡ei bvg :

Customer ID / MÖvnK AvBwW :

Account Number / wnmve b¤^i :

R.M. Code / Avi. Gg. †KvW :

 Necessary required document for resident customer/wbevmx MÖvn‡Ki Rb¨ cÖ‡qvRbxq `wjjvw`t
q Two recent passport size photograph duly a�ested by the introducer./cwiPq cÖ`vbKvix KZ…©K mZ¨vwqZ cÖ‡Z¨K Av‡e`bKvixi m`¨‡Zvjv 02wU cvm‡cvU© mvB‡Ri Qwe|
q Copy of Passport/NID/Birth Registra�on Cer�ficate + Other Photo Id/‰ea cvm‡cvU©/RvZxq cwiPqcÎ/Rb¥wbeÜb mvwU©wd‡KU +Qwe m¤^wjZ cwiPqc‡Îi Abywjwc|
q Nominee’s (s) one copy passport size photograph a�ested by the account holder for each nominee/bwgbx ev bwgbxM‡Yi cÖ‡Z¨‡Ki 1 Kwc cvm‡cvU© mvB‡Ri Qwe
Av‡e`bKvix KZ…©K mZ¨vwqZ|
q Copy of up to date E-TIN Cer�ficate (if any)/ nvjbvMv` BwUAvBGb Gi Abywjwc|
q Copy of recent u�lity bill copy (Gas, Electricity, WASA, Telephone) as a proof of address/wVKvbvi ¯^c‡ÿ mv¤úªwZK BDwUwjwU wej (M¨vm, we`y¨r, Iqvmv, †Uwj‡dvb) Gi Abywjwc|
q A Pardanashin 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 �me of each transac�on/Av‡e`bKvix c`©vbkxb gwnjv n‡j e¨vs‡Ki wbKU cwiwPZ Ggb MÖvnK KZ…©K cwiwPwZ cÖ`vb Ki‡Z n‡e| wbiÿi gwnjv
Av‡e`bKvixi †ÿ‡Î †Pnviv Db¥y³ Qwe cÖ`vb Ki‡Z n‡e Ges cÖ‡Z¨K †jb‡`‡bi mgq †Pnviv Db¥y³ ivL‡Z n‡e|

Addi�onal required document of Non-Resident Customer/Awbevmx MÖvn‡Ki Rb¨ AwZwi³ `wjjvw`t

q Copy of passport valid Visa/Work Permit to be enclosed(in case foreign passport, the page sealed with “No visa is required for Bangladesh” is
necessary/we‡`kx bvMwi‡Ki †ÿ‡Î cvm‡cvU©, ˆea wfmv I IqvK© cviwg‡Ui Abywjwc (we‡`kx cvm‡cvU© Gi †ÿ‡Î Óevsjv‡`‡ki Rb¨ wfmv cÖ‡hvR¨ bqÓ c„ôvwU mshy³ Ki‡Z n‡e|
q Proof of employment/income (employment cer�ficate/Pay Slip/employment contact men�oning annual income/Bank Statement men�oning monthly
salary or latest tax return/PvKwii cÖgvYcÎ, DcvR©b mb`cÎ, †c-w¯øc, wb‡qvMcÎ hv‡Z evrmwiK ev gvwmK Avq ewY©Z _v‡K ev me©‡kl AvqKi wiUvb© di‡gi Abywjwc|

Addi�onal Documents required to open Non-Resident Investors Account (NITA)/wbUv GKvD›U †Lvjvi AwZwi³ cÖ‡qvRbxq KvMRcÎt
q Duly complited account opening form BO account forms, BO account nominee form, Trade account opening forms, Power of A�orney & Tripar�te
Agreement/wnmve Pvjy Kivi Av‡e`b dig, weI wnmve dig, weI wnmve bwgbx dig, †UªW wnmve PvjyKiY dig, Avg‡gv³vibvgv I wÎcÿxq Pzw³bvgv|

SBS-2 & SBS-3 REPORTING FORM

(To be filled in Enlgish by the bank officials)
A. Depositor’s Informa�on (AvgvbZKvixi Z_¨)
(For SBS-2 Repor�ng)

/ wnmve b¤^i

For Individual /e¨w³i †ÿ‡Î

1. Depositor’s Name / AvgvbZKvixi bvg (In Block Le�er) :

2. Profession / †ckv : Sector Code:

3. Type of Account / wnmv‡ei aiY : Type of Deposit code:

B. Borrower’s Informa�on (FY MÖnYKvixi Z_¨)

(For SBS-3 Repor�ng)

/ wnmve b¤^i

For Individual /e¨w³i †ÿ‡Î

1. Borrower’s Name / MÖnYKvixi bvg (In Block Le�er) :

2. Profession / †ckv : Sector Code:

3. Purpose of loans / advances / FY MÖn‡Yi D‡Ïk¨ : Economic Purpose code:
4. Security/ RvgvbZ : Security Code:
5. Category of loans / F‡Yi aiY : Product Code:
6. SME / GmGgB wK bv: nu¨v/ bv : SME Code:

Prepared by Verified by Approved by

 Account Opening Applica�on Form
wnmve †Lvjvi Av‡e`b dig
Individual Account / e¨w³K wnmve

/ ZvwiL d d m m y y y y / wnmve b¤^i

Head of Branch/kvLv cÖavb / MÖvnK AvBwW

NRB Bank Limited/GbAviwe e¨vsK wjwg‡UW (For Bank’s use only / e¨vs‡Ki e¨env‡ii Rb¨)
...............................Branch / kvLv

Dear Sir/Madam, wcÖq g‡nv`q/g‡nv`qv,

I/We hereby apply to open a ........................................................ account with your branch. My/Our detail informa�on is furnished below./
Avwg/Avgiv Avcbvi kvLvq GKwU (Product Name / wnmv‡ei bvg) wnmve †Lvjvi Av‡e`b KiwQ| Avgvi/Avgv‡`i we¯ÍvwiZ Z_¨ wb‡¤œ cÖ`vb KiwQ :-

Name of the Account:

(Block Le�er)
wnmv‡ei bvg (evsjvq):

Type of Account (please √) Savings (mÂqx) Fixed Deposit (¯’vqx) FC (Gdwm) Current (PjwZ) NFCD (GbGdwmwW)
(wnmv‡ei cÖK„wZ) [wUK w`b] NITA (wbUv) SND (Gm Gb wW) RFCD (AviGdwmwW) Others / (Ab¨vb¨) .....................................

Currency (please √) BDT (UvKv) USD (Wjvi) EURO (BD‡iv) GBP (cvDÛ) Others / (Ab¨vb¨) ................................
(gy`ªv) [wUK w`b]
Account Opera�on Instruc�on Single / GKKfv‡e Jointly / †hŠ_ fv‡e Either or Survivor / †h †Kvb GKRb A_ev RxweZ Rb
(please √ ) /wnmv‡ei cwiPvjbv msµvšÍ
Others / (Ab¨vb¨) .....................................
†NvlYv (wUK √ w`b)
Purpose of Account Opening /
wnmve †Lvjvi D‡Ïk¨

Customer’s Other Bank Accounts/ MÖvn‡Ki Ab¨ †Kvb e¨vs‡K wnmve Av‡Q wK? Yes (nu¨v) No (bv)
If yes, then filled up the following informa�on/ hw` nu¨v nq,Z‡e wb‡Pi Ask c~iY Ki‡Z n‡e?
Name of the Bank/
Branch / kvLv Nature of Account (please √ �ck) / wnmv‡ei cÖK…wZ (wUK √ w`b)
e¨vs‡Ki bvg
a/ K) Deposit Accounts / Rgv wnmve Loan Accounts / FY wnmve Others (please specify) / Ab¨vb¨ (wbw`©ó K‡i ejyb)

b/ L) Deposit Accounts / Rgv wnmve Loan Accounts / FY wnmve Others (please specify) / Ab¨vb¨ (wbw`©ó K‡i ejyb)

c/ M) Deposit Accounts / Rgv wnmve Loan Accounts / FY wnmve Others (please specify) / Ab¨vb¨ (wbw`©ó K‡i ejyb)

Introducer Informa�on / cwiPq`vbKvixi Z_¨

Name/bvg Name Of the A/C/wnmv‡ei bvg

Account No./wnmve bs Branch /Agent Outlet Name

kvLv/ G‡R›U AvDU‡j‡Ui bvg
Phone No./†dvb bs Mobile No./†gvevBj bs

Current Address/eZ©gvb wVKvbv

Rela�onship with customer Signature and Date
MÖvn‡Ki mv‡_ m¤úK© ¯^vÿi I ZvwiL
A�es�ng Bank Officer’s Name & Signature ( with seal & date)
cwiPq`vbKvixi Z_¨ cÖZ¨qbKvix mswkøó e¨vsK Kg©KZ©vi bvg I ¯^vÿi (wmj I ZvwiLmn)

Ini�al Deposit / cÖv_wgK Rgvi cwigvY

Amount/cwigvY In Words/K_vq

1
 Source of Fund ( Men�on Specifically and in detail) /A‡_©i Drm / Drmmg~n (mywbw`©ó I we¯ÍvwiZ D‡jøL Ki‡Z n‡e)

Customer’s Instru�on for Issuing Cheque Book / †PK eB Bmy¨i Rb¨ wnmve MÖnxZvi wb‡`©k
Please issue the cheque book. I/ We have read the terms and condi�ons depicted in the backside of the cheque book cover and will be abide
by the condi�ons / AbyMÖn K‡i †PK eB Bmy¨ Kiæb| Avwg/ Avgiv †PK eB‡qi cÖ”Q‡`i wfZi c„óvq gyw`ªZ kZ©vejx cvV K‡iwQ Ges kZ©vejx gvwbqv Pwje|
At Bank in person/e¨vs‡Ki kvLv n‡Z wnmveavix wb‡R Bearer as per authorized le�er/evnK KZ©„K (wjwLZfv‡e ÿgZv cÖ`v‡bi gva¨‡g)
(Receive cheque book containing page No. from ...................to ..................)/cvZv bs .................n‡Z.................ch©šÍ wewkó †PK eBwU MÖnY Kijvg|

Debit Card Details / †WweU Kv‡W©i weeiY

First Applicant/1g Av‡e`bKvix Yes/nu¨v No/bv
Debit Card Facility / †WweU Kv‡W©i myweav
Second Applicant/2q Av‡e`bKvix Yes/nu¨v No/bv

Name to be printed on the Card(s) in English (Not more than 19 characters including space)/
Kv‡W© gyw`ªZ bvg (Bs‡iRx‡Z) (dvuKv Nimn 19 Aÿ‡ii †ewk bq)
First Applicant Name
1g Av‡e`bKvix bvg
Joint Accountholders can avail a debit card, only if the mode of opera�on is either or survivor/
†hŠ_ wnmveavix †WweU Kv‡W©i Rb¨ Av‡e`b Ki‡Z cvi‡eb, hw` wnmve cwiPvjb AvB`vi Ai mvifvBfvi nq|
Joint Applicant Name
†hŠ_ Av‡e`bKvix bvg

Individual (e¨w³K) My Early Account Holder (gvB Aviwj wnmveavix)

Customer Category / MÖvn‡Ki cÖK…wZ
Staff (Kg©KZ©v) Others / (Ab¨vb¨) ..................

Others Services / Ab¨vb¨ †mevmg~n

Internet Banking/B›Uvi‡bU e¨vswKs Mobile Number SMS Service/Gm.Gg.Gm †mev Mobile Number
Others / (Ab¨vb¨)

For One or More Minor Account Holder / GK ev GKvwaK wnmveavix bvevjK n‡j
I, being the legal guardian of the below men�oned account holder, do hereby declare that the account holder is minor. His/ Her required
informa�on is provided in the a�ached form. Un�l the account holder a�ains majority ( Adulthood) or any further declara�on is given by me,
the account will be operated by me being the legal guardian. Guardian means Father or Mother or any other legal guardian.
Avwg wb¤œewY©Z wnmveavixi ˆea AwffveK wnmv‡e GB g‡g© †NvlYv KiwQ †h, wnmveavix GKRb bvevjK| Zvi cÖ‡qvRbxq Z_¨ mshy³ di‡g †`qv n‡jv| wnmveavix
mvevjK bv nIqv ch©šÍ wKsev Avgvi cieZ©x †NvlYv bv †`Iqv ch©šÍ ˆea AwffveK wnmv‡e Avgvi ¯^vÿ‡i wnmvewU cwiPvwjZ n‡e| AwffveK ej‡Z evev A_ev gv A_ev
Ab¨ †Kvb AvBbMZ AwffveK‡K eySv‡e|
Account Holder (Minor) Name
wnmveavix (bvevjK) Gi bvg
Date of Birth
Rb¥ ZvwiL
Name of the Guardian
Awffve‡Ki bvg
Rala�onship with Minor
bvevj‡Ki mv‡_ m¤úK©
Name & Address of the Educa�onal Ins�tu�on (For Student)
wkÿv cÖwZôv‡bi bvg I wVKvbv (wkÿv_x©‡`i Rb¨)
Class (For Student)
†kÖYx (wkÿv_x©‡`i Rb¨)
Signature of the guardian
AwffveK‡Ki ¯^vÿi
(bvevjK Ges AwffveK-Df‡qi Rb¨B Òe¨w³ msµvšÍ Z_¨vejxÓ dig c~iY Ki‡Z n‡e Ges bvevjK Av‡e`bKvixi †ÿ‡Î Dfq di‡gB Av‡e`bKvixi
¯^vÿ‡ii ¯’‡j AwffveK KZ©„K ¯^vÿi Ki‡Z n‡e Ges cÖ‡qvRbxq `wjjvw` cÖ`vb Ki‡Z n‡e|)

2
 Declara�on & Signature / †NvlYv I ¯^vÿi

I/We hereby ensure that, I/We have read the account rules/terms and condi�ons and abide by the account rules/ terms and condi�ons.
I/We declare that, the informa�on furnished above are true. If further informa�on is required, I/We will provide the required informa�on
/ documents as per your requirement. / Avwg/ Avgiv GB g‡g© wbðqZv cÖ`vb KiwQ †h, Avwg/ Avgiv wnmve msµvšÍ hveZxq wbqgvejx/ kZ©vejx c‡owQ Ges
D³ wbqgvejx / kZ©vejx †g‡b Pj‡Z eva¨ _vKe| Avwg/ Avgiv mÁv‡b †NvlYv KiwQ †h, D‡jøwLZ Z_¨vw` mZ¨| Avwg/ Avgiv cÖ`Ë Z‡_¨i AwZwi³ mswkøó †h †Kvb
cÖ‡qvRbxq Z_¨/ `wjjvw` e¨vs‡Ki Pvwn`v †gvZv‡eK cÖ`vb Kie|
Name of the 1st Applicant / Opera�ng Person ( Leagal Guardian/Parents) / 1g Av‡e`bKvixi bvg / cwiPvjbvKvix (AwffveK/wcZv/gvZv):

Signature Photo of Applicant

¯^vÿi MÖvn‡Ki Qwe
(A�ested by the
introducer/
Date cwiPq`vbKvix
ZvwiL KZ©„K mZ¨vwqZ)
Name of the 2nd Applicant / Opera�ng Person ( Leagal Guardian/Parents) / (2q Av‡e`bKvixi bvg / cwiPvjbvKvix (AwffveK/wcZv/gvZv):

Signature
Photo of Applicant
¯^vÿi
MÖvn‡Ki Qwe
(A�ested by the
introducer/
Date cwiPq`vbKvix
ZvwiL KZ©„K mZ¨vwqZ)

Name of the 3rd Applicant / Opera�ng Person ( Leagal Guardian/Parents) / (3q Av‡e`bKvixi bvg / cwiPvjbvKvix (AwffveK/wcZv/gvZv):

Signature Photo of Applicant

¯^vÿi MÖvn‡Ki Qwe
(A�ested by the
introducer/
Date cwiPq`vbKvix
ZvwiL KZ©„K mZ¨vwqZ)

Name of the 4th Applicant / Opera�ng Person ( Leagal Guardian/Parents) / (4_© Av‡e`bKvixi bvg / cwiPvjbvKvix (AwffveK/wcZv/gvZv):

Signature Photo of Applicant

¯^vÿi MÖvn‡Ki Qwe
(A�ested by the
introducer/
Date cwiPq`vbKvix
ZvwiL KZ©„K mZ¨vwqZ)

For Bank’s Use Only / ïay e¨vs‡Ki e¨env‡ii Rb¨

Comments/ gšÍe¨: ......................................................................................................................................................................................................

Account Opening Officer’s Signature with Seal & Date Approving Officer’s Signature with Seal & Date (Head of Branch)
wnmve †Lvjvi mswkøó Kg©KZ©vi bvghy³ mxjmn ¯^vÿi I ZvwiL) Aby‡gv`bKvix Kg©KZ©vi bvghy³ mxjmn ¯^vÿi I ZvwiL (kvLv cÖavb)
3
 Nominee Related Details / bwgbx msµvšÍ Z_¨vejx
If the nominee more than one then fill up more nominee form / G‡Ki AwaK bwgbx n‡j GKvwaK bwgbx dig c~iY Ki‡Z n‡e

I/We nominate the following person to receive/draw the balance held in my/our death. I/We retain the right to cancel
or change this nomina�on at any �me. I/We hereby accord my/ our consent that Bank shall not be liable in any manner Photo of
whatsoever to make payment as per my/our instruc�on. Nominee
( A�ested by
Avwg/ Avgiv G wnmve A_© Avgvi/ Avgv‡`i g„Zz¨i ci wb‡¤œv³fv‡e wb‡¤œ ewY©Z e¨w³/ e¨w³MY‡K cÖ`v‡bi Rb¨ g‡bvwbZ Kijvg| Avwg/
Applicant)
Avgiv DwjøwLZ g‡bvbqb †h †Kvb mgq evwZj ev cwieZ©‡bi AwaKvi msiÿY Kwi| Avwg/ Avgiv GB g‡g© Av‡iv m¤§wZ Ávcb KiwQ †h,
bwgbxi Qwe
Avgvi / Avgv‡`i wb‡`©kbv †gvZv‡eK e¨vsK A_© cÖ`vb Ki‡e Ges GRb¨ e¨vsK †Kv‡bvfv‡e `vqe× n‡e bv|

Nominee’s Name/bwgbxi bvg

Father’s Name/wcZvi bvg

Mother’s Name/gvZvi bvg

Spouse Name/¯^vgx A_ev ¯¿xi bvg

Date of Birth/Rb¥ ZvwiL d d m m y y y y

Present Address/eZ©gvb wVKvbv

Permanent Address/¯’vqx wVKvbv

Occupa�on/†ckv

Na�onal ID Number/
RvZxq cwiPqcÎ b¤^i
Birth Reg. Cer�ficate No/
Rb¥ wbeÜb mb`cÎ b¤^i
Passport No./
Expiry Date/†gqv` d d m m y y y y
cvm‡cvU© bs
Driving License No. /
Expiry Date/†gqv` d d m m y y y y
WªvBwfs jvB‡mÝ bs
E-TIN Number/
Others /
B‡jKUªwbK-U¨v· AvBwW bs Ab¨vb¨
Rela�onship with A/C Holder/ Percentage (%)/
GKvD›U †nvìv‡ii mv‡_ m¤úK© kZKiv nvi
In the event that nominee remain(s) a minor at the �me of account holder’s death, as per ar�cle 103 (2) of Bank
Company Act, 1991 the following person is authorized to receive/ the amount of deposits/bwgbx bvevjK _vKv Ae¯’vq
wnmveavixi g„Zz¨i †ÿ‡Î e¨vsK †Kv¤úvwb AvBb, 1991 Gi 103 (2) aviv Abyhvqx Avgvb‡Zi UvKv MÖnYKvixi Z_¨t

Name (English Block Le�er)/

Photo of Authorized bvg (Bs‡iRx eo Aÿ‡i)
Person (A�ested by
A/C Holder) Name (in Bengali)/bvg (evsjvq)
g‡bvbxZ e¨w³i Qwe
(wnmveavix KZ©©„K Father’s Name/wcZvi bvg
mZ¨vwqZ)
Mother’s Name/gvZvi bvg

Spouse Name/¯^vgx A_ev ¯¿xi bvg

Date of Birth/Rb¥ ZvwiL d d m m y y y y Rela�onship with Nominee/

bwgbxi mv‡_ m¤úK©
Na�onal ID Number/ Birth reg. Cer�ficate No.
RvZxq cwiPqcÎ b¤^i Rb¥ wbeÜb mb`cÎ b¤^i
4
Passport No./ cvm‡cvU© bs
Expiry Date/†gqv` d d m m y y y y

Present Address/eZ©gvb wVKvbv

Permanent Address/¯’vqx wVKvbv

Communica�on Phone/ Mobile No./

†hvMv‡hvM gva¨g †dvb †gvevBj bs

Signature of the Authorized Person & Date (Op�onal)/ Signature of the Nominee & Date (Op�onal)
g‡bvbxZ e¨w³i ¯^vÿi I ZvwiL (Hw”QK) bwgbxi ¯^vÿi I ZvwiL (Hw”QK)

Signature of the First Applicant Signature of the Second Applicant Signature of the Third Applicant Signature of the Fourth Applicant
1g Av‡e`bKvix KZ©„K ¯^vÿi 2q Av‡e`bKvix KZ©„K ¯^vÿi 3q Av‡e`bKvix KZ©„K ¯^vÿi 4_© Av‡e`bKvix KZ©„K ¯^vÿi
Name / bvg : Name / bvg : Name / bvg : Name / bvg :

Date / ZvwiL : Date / ZvwiL : Date / ZvwiL : Date / ZvwiL :

A�es�ng Bank Officer’s Name & Signature ( with seal & date)
MÖvn‡Ki ¯^vÿi hvPvBKvix mswkøó e¨vsK Kg©KZ©vi bvg I ¯^vÿi (wmj I ZvwiLmn)

+ If the nominee is non – resident and en�tled to get the amount of this account, in that case the provision of exis�ng Foreign Exchange
Regula�on Act shall be applicable for remi�ng fund outside the country./†Kvb Awbevmx‡K bwgbx Kiv n‡j Ges H Awbevmx mswkøó wnmv‡ei A_©
cÖvß n‡j cÖvß A_© we‡`‡k cÖi‡Yi †ÿ‡Î we`¨gvb ˆe‡`wkK gy`ªv wbqš¿Y AvB‡bi wewa weavb cÖ‡hvR¨ n‡e|
+ In case of iden�fica�on of Nominee any of the following documents namely Passport/Na�onal ID/ Birth Cer�ficate has to be
submi�ed./bwgbxi cwiwPwZ †ÿ‡Î cvm‡cvU©, RvZxq cwiPqcÎ I Rb¥ wbeÜb mb`c‡Îi g‡a¨ Avewk¨Kfv‡e †h †Kvb GKwU `wjj cÖ`vb Ki‡Z n‡e|
+ In case of account opening based on Birth Cer�ficate, Photo ID of the Nominee has to be provided. If Photo ID is not available then
he/she has to provide iden�fica�on paper a�ested by important persons of society, sa�sfying the Bank’s requirements. The men�oned
iden�fica�on paper has to have photograph of the Nominee of the account./Rb¥ wbeÜb mb` cÖ`v‡bi †ÿ‡Î Gi AwZwi³ bwgbxi Av‡jvKwPÎmn
†h †Kvb cwiwPwZ cÎ cÖ`vb Ki‡Z n‡e| Av‡jvKwPÎ mn cwiwPwZ cÎ bv _vK‡j †m wel‡q e¨vs‡Ki mš‘wó mv‡c‡ÿ Zv‡`i wbKU MÖnb‡hvM¨ mgv‡Ri Mb¨gvb¨
e¨w³* KZ©„K cÖ`Ë cwiP‡qi cÖZ¨qbcÎ cÖ`vb Ki‡Z n‡e| D³ cwiwPwZ cÎ ev cÖZ¨qb cÎ bwgbxi Av‡jvKwPÎmn n‡Z n‡e|
+ In case of foreign na�onals, copy of passport along with valid VISA have to be enclosed./we‡`kx bvMwi‡Ki †ÿ‡Î cvm‡cvU©, ˆea wfmv Gi Abywjwc
msMÖn Ki‡Z n‡e|
+ *MY¨gvb¨ e¨w³ ej‡Z msm` m`m¨, wmwU K‡c©v‡ik‡bi †gqi, †WcywU †gqi I KvDwÝjiMY, RvZxq †eZb †¯‹‡ji 9g I Z`~aŸ© †MÖ‡Wi †M‡R‡UW Kg©KZ©v,
cvewjK wek¦we`¨vj‡qi wkÿK, Dc‡Rjv cwil‡`i †Pqvig¨vb I fvBm †Pqvig¨vb, BDwbqb cwil‡`i †Pqvig¨vb, †cŠimfvi †gqi I †cŠi KvDwÝjiMY,
†emiKvix wek¦we`¨vj‡qi Aa¨vcK, †emiKvix K‡j‡Ri Aa¨ÿ, †emiKvix D”P we`¨vj‡qi cÖavb wkÿK, RvZxq ˆ`wbK cwÎKvi m¤úv`K, †bvUvwi cvewjK,
AvavmiKvix/¯^vqËkvwmZ/ivóªvqZ¡ ms¯’vi RvZxq †eZb †¯‹‡ji 7g ev Z`~aŸ© †MÖ‡Wi Kg©KZ©vMY Ges evsjv‡`k e¨vs‡Ki RvZxq †eZb †¯‹‡ji 9g I Z`~aŸ© †MÖ‡Wi
Kg©KZ©vMY‡K eySv‡e|

5
 Photo of Applicant
MÖvn‡Ki Qwe

Customer Informa�on Form (CIF) (A�ested by the

introducer/
e¨w³ msµvšÍ Z_¨vejx cwiPq`vbKvix
/ ZvwiL d d m m y y y y KZ©„K mZ¨vwqZ)

/ wnmve b¤^i / MÖvnK AvBwW

Name of the Account/
wnmv‡ei bvg
Name of the Customer / Beneficial Owner/ Account Operator/MÖvnK /†ewbwdwmqvj Ibvi / wnmve cwiPvjbvKvixi bvg

evsjv English

Rela�onship with the Account /wnmv‡ei mv‡_ m¤úK© (Please √ where applicable) / cÖ‡hvR¨ †ÿ‡Î √ w`b)

1st applicant/1g Av‡e`bKvix 2nd applicant/2q Av‡e`bKvix 3rd applicant/3q Av‡e`bKvix Director/cwiPvjK
Partner/Askx`vi Chairman/†Pqvig¨vb Managing Director/e¨e¯’vcbv cwiPvjK Proprietor/GKK ¯^Ë¡vwaKvix
Minor Account holder/wnmveavix bvevjK Guardian/AwffveK A�orney Holder/GUwb© †nvìvi Signatory/wnmve cwiPvjbvKvix
Trustee/Uªvw÷ Beneficial Owner/cÖK…Z myweav‡fvMx Mandate holder/g¨v‡ÛUavix Other/Ab¨vb¨

Father’s Name /
wcZvi bvg evsjv English

Mother’s Name /
gvZvi bvg evsjv English
Marital Status /
Married/ weevwnZ Unmarried/ AweevwnZ Other/ Ab¨vb¨
ˆeevwnK Ae¯’v
Spouse Name /
¯^vgx/¯¿xi bvg
evsjv English

Na�onality/RvZxqZv Sex /wj½ Male/cyiæl Female/gwnjv Third Gender/Z…Zxq wj½

Date of Birth/Rb¥ ZvwiL d d m m y y y y Place of Birth (Including Country)/Rb¥¯’vb (†`kmn)

Resident Status/
Resident/wbevmx Non-Resident/Awbevmx
wbev‡mi aiY
(Where applicable, information has to be collected complying with the instructions in the Guidelines for Foreign Exchange
Transactions)/(cÖ‡hvR¨ †ÿ‡Î ˆe‡`wkK wewbgq †jb‡`‡bi MvBWjvB‡bi wb‡`©kbv Abyhvqx Z_¨ msMÖn Ki‡Z n‡e)
Occupa�on (In Detail)/
Service/PvKzix Business/e¨emv Other/ Ab¨vb¨
†ckv (we¯ÍvwiZ)
Name of the Organiza�on/ Designa�on/c‡`i bvg
cÖwZôv‡bi bvg
Address/ wVKvbv
Number of Years in Present Employment / Business
Monthly Income/gvwmK Avq
eZ©gvb PvKzix/e¨emv- Gi mgqKvj
Iden�fica�on Documents / cwiwPwZ cÎ/`wjjvw`

Na�onal ID Number/ Birth Reg. Cer�ficate No /

RvZxq cwiPqcÎ b¤^i Rb¥ wbeÜb mb`cÎ b¤^i
Passport No./
Expiry Date/†gqv` d d m m y y y y
cvm‡cvU© bs
Driving License No. /
Expiry Date/†gqv` d d m m y y y y
WªvBwfs jvB‡mÝ bs
E-TIN Number/ Other (Please Specify)
B-U¨v· AvBwW b¤^i Ab¨vb¨ (wbw`©ófv‡e D‡jøL KiæY)
6
*Present Address /
eZ©gvb wVKvbv

*Permanent Address /
¯’vqx wVKvbv

*Office Address /
†ckvMZ wVKvbv

*Document has to be submi�ed in favour of at least one (01) Proof of Address / Kgc‡ÿ GKwU (01wU) wVKvbvi mc‡ÿ WKz‡g›U cÖ`vb Ki‡Z n‡e)

Mailing Address/†hvMv‡hv‡Mi wVKvbv Present/eZ©gvb Permanent/¯’vqx Office/†ckvMZ

Telephone No./†Uwj‡dvb bs t Residence/evmv Office/Awdm

Mobile No./†gvevBj bs t E-mail/B-†gBj

Emergency Contact Person’s Informa�on / Riæix cÖ‡qvR‡b †hvMv‡hv‡Mi Rb¨ g‡bvbxZ e¨w³:
Name/bvg

Address/wVKvbv

Rela�onship with A/C Holder/wnmveavixi mv‡_ m¤úK© Mobile No./†gvevBj

E-mail Address/B-‡gBj wVKvbv

Informa�on Regarding Credit Cards ( if Available) / †µwWU KvW© msµvšÍ Z_¨vejx (hw` _v‡K)

Issuing Company / Bank/Bmy¨Kvix †Kv¤úvbx/ e¨vsK

(i) Local/¯’vbxq (ii) Interna�onal/AvšÍR©vwZK

Foreign Account Tax Compliance Act (FATCA) / ˆe‡`wkK wnmv‡ei Ki welqK AvBb
Please “3” Yes or No for each of the following ques�ons: Yes No
1. Are you a U.S. Ci�zen? / Avcwb wK gvwK©b hy³iv‡óªi bvMwiK?
2. Do you hold U.S. Green Card or is a lawful resident of the U.S.?/
Avcwb wK gvwK©b hy³iv‡óªi MÖxY KvW© aviY K‡ib A_ev Avcwb wK gvwK©b hy³iv‡óªi ‰ea wbevmx?
3. Do you have a U.S. address (including P.O. Box) or U.S. phone number or U.S. e-mail address? /
Avcbvi wK gvwK©b hy³iv‡óª †hvMv‡hv‡Mi †Kvb wVKvbv A_ev †dvb b¤^i A_ev B‡gBj wVKvbv Av‡Q?
4. Have you granted Power of A�orney to someone who has a U.S. address or U.S. phone number or U.S. e-mail address? /
Avcbvi wK gvwK©b hy³iv‡óªi †Kvb wVKvbv A_ev †dvb b¤^i A_ev B‡gBj wVKvbv Av‡Q Ggb †Kvb e¨vw³‡K Power of A�orney cÖ`vb K‡i‡Qb?
5. Have you stayed in U.S. for 183 days in a single trance in 3-year period including present year? /
Avcbvi wK gvwK©b hy³iv‡óª eZ©gvb eQi mn weMZ wZb weQ‡ii g‡a¨ 183 w`b Ae¯’vb K‡i‡Qb?
6. Do you receive payments sourced from USA? For example interest, Dividend, Rent, Payment for services (salaries), and
any other Fixed Determinable Annual Periodical [FDAP] income./ Avcbvi wK gvwK©b hy³ivóª †_‡K †Kvb cÖKvi A_© Avq K‡ib?
†hgb- my`, gybvdv, fvov, †eZb A_ev any other Fixed Determinable Annual Periodical [FDAP] income.
Prior consent from US ci�zen clients for repor�ng customers’ account informa�on to IRS (Internal Revenue Services) under FATCA obliga�ons:
Gd.G.wU.wm.G-Gi AvIZvq MÖvn‡Ki wnmv‡ei Z_¨ AvB Avi Gm (B›Uvibvj †iwfwbD mvwf©‡mm) G cvVv‡bvi Rb¨ gvwK©b hy³ivóª wbevmx MÖvn‡Ki c~e©vbygwZ:
Subject to applicable laws, I hereby consent for NRB Bank Limited to share my informa�on with domes�c or overseas regulators, or Tax
Authori�es where necessary to establish my tax liability in any jurisdic�on. Where required by domes�c or overseas regulators, or Tax
Authori�es, I consent and agree that the bank may withhold from my account(s) such accounts as may be required according to applicable laws,
regula�ons and direc�ves./ cÖPwjZ AvBbvbyhvqx Avwg GbAviwe e¨vsK wjwg‡UW‡K Avgvi AvqKi msµvšÍ Z_¨ cÖvmw½K AvšÍ©RvwZK ev Af¨šÍixY wbqš¿bKvix ms¯’vi
wbKU cÖKv‡ki AbygwZ w`w”Q| AvšÍ©RvwZK ev Af¨šÍixY wbqš¿bKvix ms¯’v A_ev AvqKi KZ©„c‡¶i cÖ‡qvRb Abyhvqx; Avwg GB g‡g© Aby‡gv`b w`w”Q ev ¯^xKvi KiwQ †h,
cÖPwjZ wbq‡gi AvIZvq e¨vsK Avgvi GKvD›U †_‡K Ki wn‡m‡e wbw`ó cwigvb UvKv †K‡U ivL‡Z cvi‡e|

Account Opening Officer’s Signature/ Approving Officer’s Signature

Signature of the Customer/MÖvn‡Ki ¯^vÿi wnmve †Lvjvi mswkøó Kg©KZ©vi ¯^vÿi Aby‡gv`bKvix Kg©KZ©vi ¯^vÿi
Customer Name/ : Account Opening Officer’s Name/: Name (Head of Branch)/:
MÖvn‡Ki bvg wnmve †Lvjvi mswkøó Kg©KZ©vi bvg (mxjmn) bvg (kvLv cÖavb) (mxjmn)
Date / ZvwiL : Date / ZvwiL : Date / ZvwiL :

7
 Probable Transac�on Profile
m¤¢ve¨ †jb‡`‡bi AbywgZ gvÎv
/ wnmve b¤^i / MÖvnK AvBwW

Account Name/wnmv‡ei bvg

Customer’s Possible Monthly Income Source of Fund

MÖvn‡Ki gvwmK m¤¢ve¨ Avq A‡_©i Drm
Deposits/Rgvt
Probable Monthly Monthly Total Maximum Amount of
Par�culars/weeiY Number of Deposits Amount of Deposit Single Deposit
gvwmK m¤¢ve¨ Rgvi msL¨v m¤¢ve¨ †gvU Rgvi cwigvY GKK m‡e©v”P Rgvi cwigvY
Cash Deposit (including Online/ATM)/ bM` Rgv (AbjvBb I GwUGgmn)
Deposit through Transfer / Instruments UªvÝdvi/ BÝUª‡g›U Gi gva¨‡g Rgv
Foreign Inward Remi�ance/ d‡ib BbIqvW© †iwg‡UÝ
Export Proceeds/ ißvbx n‡Z Avq
Deposit /Transfer from BO Account /cyuwR evRviwnmve n‡Z Rgv /¯’vbv¯Íi
Others ( specify)/Ab¨vb¨ (wbw`©ófv‡e) ................./.................
Total Expected Monthly Deposit /†gvU m¤¢e¨ gvwmK Rgv

Withdrawals/D‡Ëvjbt
Probable Monthly Monthly Total Maximum Amount of
Par�culars/weeiY Number of Withdrawals Amount of Withdrawals Single Withdrawals
gvwmK m¤¢ve¨ D‡Ëvj‡bi msL¨v m¤¢ve¨ †gvU D‡Ëvj‡bi cwigvY GKK m‡e©v”P D‡Ëvj‡bi cwigvY
Cash Withdrawals (including Online/ATM)/ bM` D‡Ëvjb (AbjvBb I GwUGgmn)
Withdrawals through Transfer /Instruments /UªvÝdvi/ BÝUª‡g›U Gi gva¨‡g D‡Ëvjb
Withdrawal of Foreign Outward Remi�ance/ ˆe‡`wkK AvDUIqvW© †iwg‡UÝ D‡Ëvjb
Import Payment / Avgv`bx eve` e¨q
Deposit /Transfer to BO Account /cyuwR evRvi wnmv‡e Rgv /¯’vbv¯Íi
Others ( specify)/Ab¨vb¨ (wbw`©ófv‡e) ................./.................
Total Expected Monthly Withdrawal /†gvU m¤¢e¨ gvwmK D‡Ëvjb

I/ we the undersigned , hereby declare / confirm that this transac�on profile truly represents the expected transi�onal ac�vi�es in my/ our
account. I / we also confirm to revise my / our transac�on profile, if necessary from �me to �me.
Avwg/ Avgiv wb¤œ ¯^vÿiKvix (MY) Gi g‡g© wbðqZv cÖ`vb KiwQ †h, †jb‡`‡bi AbywgZ gvÎv Avgvi/ Avgv‡`i ¯^vfvweK cÖK…Z †jb‡`b| Avwg/ Avgiv Av‡iv wbðqZv
cÖ`vb KiwQ †h, cÖ‡hvRb‡ev‡a Avwg/ Avgiv m¤¢ve¨ †jb‡`‡bi AbywgZ gvÎv ms‡kvab/ nvjbvMv` Ki‡ev|

Signature of the First Applicant Signature of the Second Applicant Signature of the Third Applicant Signature of the Fourth Applicant
1g Av‡e`bKvix KZ©„K ¯^vÿi 2q Av‡e`bKvix KZ©„K ¯^vÿi 3q Av‡e`bKvix KZ©„K ¯^vÿi 4_© Av‡e`bKvix KZ©„K ¯^vÿi
Name / bvg : Name / bvg : Name / bvg : Name / bvg :
Date / ZvwiL : Date / ZvwiL : Date / ZvwiL : Date / ZvwiL :

For Bank’s Use Only / e¨vs‡Ki e¨env‡ii Rb¨

Customer’s Probable Transac�on Profile has been reviewed as per the Guidelines of Bangladesh Financial Intelligence Unit./ evsjv‡`k
dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwb‡Ui wb‡`©kbv †gvZv‡eK MÖvn‡Ki m¤¢ve¨ †jb‡`‡bi AbywgZ gvÎv ch©v‡jvPbv Kiv n‡jv
Reasons behind changing / not changing the Probable Transac�on Profile of the Customer/ MÖvn‡Ki m¤¢ve¨ †jb‡`‡bi AbywgZ gvÎv cwieZ©b Kiv /
bv Kivi KviY t

Account Opening Officer’s Signature with Seal & Date Approving Officer’s Signature with Seal & Date
wnmve †Lvjvi mswkøó Kg©KZ©vi bvghy³ mxjmn ¯^vÿi I ZvwiL) Aby‡gv`bKvix Kg©KZ©vi bvghy³ mxjmn ¯^vÿi I ZvwiL
8
 KYC Profile Form (For Individual Account)
MÖvnK cwiwPwZ m¤úwK©Z dig (e¨w³K wnmv‡ei Rb¨ cÖ‡hvR¨)
/ wnmve b¤^i Unique Customer ID/ BDwbK MÖvnK AvBwW :

1. A/C Name/wnmv‡ei bvg

2. Type of A/C/wnmv‡ei cÖK…wZ

3. Customer’s occupa�on (details)/MÖvn‡Ki †ckv/ (we¯ÍvwiZ)

4. Customer’s possible monthly income/MÖvn‡Ki gvwmK m¤¢ve¨ Avq

5. Source/Sources of found (details)/A‡_©i Drm/ Drm mg~n (we¯ÍvwiZ)

6. Documents obtained to confirm Source of Fund/ (1)
A‡_©i Drm wbwðZ Kivi †ÿ‡Î msM„wnZ `wjjvw`
(2)

(3)

Whether the documents have been verified/msM„wnZ `wjjvw` hvPvB Kiv n‡q‡Q wKbv? Yes/nu¨v No/bv
7. How the addresses of the customer were verified (details)
wnmveavixi wVKvbv mg~n wKfv‡e hvPvB Kiv n‡q‡Q (we¯ÍvwiZ)

8. Whether the Beneficial Owner is Iden�fied/wnmv‡ei cÖK…Z myweav‡fvMx wba©viY Kiv n‡q‡Q wK-bv t Yes/nu¨v No/bv Not Applicable/cÖ‡hvR¨ bq
If answer is yes then fill up the “Customer Information Form” regarding beneficial owner/DËi nu¨v n‡j cÖ‡Z¨K cÖK…Z myweav‡fvMx m¤úwK©Z Z_¨vw`
Òe¨w³ msµvšÍ Z_¨vejxÓ †gvZv‡eK msMÖn Ki‡Z n‡e

9. Iden�fica�on Documents/cwiPqcÖ`vbKvix `wjjvw` Copy Collected / Kwc M„nxZ Verified/hvPvBK…Z Please (√) mark wUK (√) w`b

Passport No./cvm‡cvU© b¤^i t if applica�on/cÖ‡hvR¨ †ÿ‡Î

NID No./RvZxq cwiPqcÎ b¤^i t if applica�on/cÖ‡hvR¨ †ÿ‡Î

Birth Cer�ficate No./Rb¥ wbeÜb mb`cÎ b¤^i t if applica�on/cÖ‡hvR¨ †ÿ‡Î

E-TIN No./B‡jKUªwbK-U¨v· AvBwW b¤^i t if applica�on/cÖ‡hvR¨ †ÿ‡Î

Driving License No./WªvBwfs jvB‡mÝ b¤^i t if applica�on/cÖ‡hvR¨ †ÿ‡Î

Others/Ab¨vb¨ t if applica�on/cÖ‡hvR¨ †ÿ‡Î

10. For Non resident and foreigners ensure the reasons of opening A/C ( if applicable)/ Awbevmx Ges we‡`kx‡`i †ÿ‡Î wnmve †Lvjvi
D‡Ïk¨ (cÖ‡hvR¨ †ÿ‡Î)

a. Type of visa/wfmvi cÖK…wZ Expiry Date/†gqv` d d m m y y y y

b. Work permit: Whether the copy of work permit and cer�fica�on of en�tled authority for account opening are collected or not?/
Yes/nu¨v No/bv
Kg©vbygwZ: Kg©bygwZ cÖv߇`i wnmve †Lvjvi †ÿ‡Î Kg©vbygwZ cÎ I e¨vsK wnmve †Lvjvi h_vh_ KZ©„c‡ÿi Aby‡gv`b i‡q‡Q wKbv?

A copy of passport has to be colleted compulsorily in case of non-resident Bangladeshis and in case of foreigners, the copy of passport must be collected with
a valid visa./ Awbevwm evsjv‡`kx‡`i †ÿ‡Î Avewk¨Kfv‡e cvm‡cv‡U©i Kwc Ges we‡`kx‡`i †ÿ‡Î Avewk¨Kfv‡e wfmvmn cvm‡cv‡U©i Kwc msMÖn Ki‡Z n‡e|

11. Whether the customer is a Poli�cally Exposed person ( PEP)/ Influen�al Person (IP)/Head of an Interna�onal Organiza�on
or a High Official and their family members or close associates ( As per the defini�on of BIFU Circular)?/MÖvnK cwjwUK¨vwj
G·‡cvmW& cvimb / cÖfvekvjx e¨w³/ AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©v Ges Zv‡`i cwiev‡ii m`m¨ ev NwbóRb wKbv (weGdAvBBD
KZ©„K RvixK…Z mvKz©jv‡i ewY©Z msÁv Abymv‡i)?

Yes/nu¨v No/bv

9
If the answer is ‘ yes’/DËi nu¨v n‡j t
a) Whether approval from the Senior Management has been obtained?/
Yes/nu¨v No/bv
wmwbqi g¨v‡bR‡g›U n‡Z Aby‡gv`b †bqv n‡q‡Q wKbv?
b) Whether Customer’s face to face interview has been taken?/
Yes/nu¨v No/bv
MÖvn‡Ki gy‡LvgywL mvÿvrKvi †bqv n‡q‡Q wKbv?
12. As per related laws, regula�ons and circulars, does the customer’s name resemble with the enlisted persons/ ins�tu�ons
involved in terrorism, terrorist financing and financing on prolifera�on of weapons of mass destruc�on under different
resolu�ons of United Na�ons Security Council and the enlisted person or any banned en�ty by the Government of Bangladesh
a�er proper screening?/mswkøó AvBb, wewagvjv I mvKz©jv‡ii Av‡jv‡K MÖvn‡Ki bvg RvwZms‡Ni wbivcËv cwil‡`i wewfbœ †iRyjyk‡bi AvIZvq
mš¿vmx Kv‡h©, mš¿vmx Kv‡h© A_©vq‡b I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡ii A_©vq‡b RwoZ m‡›`‡n ZvwjKvfz³ †Kvb e¨w³ ev mËv Ges evsjv‡`k miKvi
KZ©„K ZvwjKvfz³ †Kvb e¨w³ ev wbwl× †NvwlZ mËvi bv‡gi ZvwjKvi mv‡_ hvPvBevQvB c~e©K †Kvbiƒc wgj cvIqv wM‡q‡Q wKbv?

Yes/nu¨v No/bv

a) Descrip�on of steps taken if the answer is ‘ yes’/DËi nu¨v n‡j G welqK M„nxZ e¨e¯’vi weeiY t

13. Risk Grading / wi¯‹ †MÖwWs t

a. What does the customer do?/What is the Nature of Business?/ MÖvnK Kx K‡ib/Kx ai‡Yi †ckvq wb‡qvwRZ i‡q‡Q?
Sl. No. Nature Risk Score
µwgK b¤^i cÖK…wZ wi¯‹ †¯‹vi
1 Jewelry Business/ Gold Business/Valuable Metals Business/ (Ry‡qjvix e¨emv/ ¯^‡Y©i e¨emv/ gyj¨evb avZzi e¨emv) 5
2 Money Changer/Courier Service/Mobile Banking Agent/ (gvwb‡PÄvi /Kzwiqvi mvwf©m/ †gvevBj e¨vswKs G‡R›U) 5
3 Real Estate Developer/Agent/ (wi‡qj G‡÷U †Wfjcvi / G‡R›U) 5
4 Construc�on Project Promoter/Constructor/ (wbg©vY cÖKí †cÖv‡gvUvi / wVKv`vi) 5
5 Art/An�que Dealer/ (wPÎKjv/ A¨vw›U‡Ki wWjvi) 5
6 Restaurant/Bar/Night Club/Residen�al Hotel/Parlour Business/ (†iu‡¯Íviv /evi/ bvBU K¬ve/ AvevwmK †nv‡Uj/ cvj©vi e¨emv) 5
7 Import/Export/ (Avg`vbx/ ißvbx) 5
8 Manpower Export Business/ (Rbkw³ ißvbx e¨emv) 5
9 Arms Business/ (A‡¯¿i e¨emv) 5
10 Garments Business/garment Accessories/Buying House/ (Mv‡g©›Um e¨emv/ Mv‡g©›U G‡·mwiR/ evwqs nvDm) 5
11 Pilot/Flight A�endant/ (cvBjU/ d¬vBU G‡Ub‡W›U) 5
12 Trustee/ (Uªvw÷) 5
13 Share/Stock Business Investors/ (†kqvi /÷K e¨emvq wewb‡qvMKvix) 5
14 So�ware Business/Informa�on & Technology Business/ (mdUIq¨vi e¨emv/ Z_¨ I cÖhyw³i e¨emv) 5
15 Expatriate (Foreign Individual working in Bangladesh/ (GKmc¨vUwiAvU-evsjv‡`‡k Kg©iZ we‡`kx e¨w³) 5
16 Travel Agent/ (Uªv‡fj G‡R›U) 4
17 An annual investment of more than 1 crore worth of business/ (evwl©K 1 †KvwU UvKvi AwaK A_© jMœxKvix e¨emvqx) 4
18 Freight/Shipping/Cargo Agent/ (†d«BU /wkwcs Kv‡M©v G‡R›U) 4
19 Auto Business (New/Recondi�on Car) / (A‡Uv e¨emv-bZzb /wiKwÛkvb Mvox) 4
20 Business (leather & leather goods)/ (e¨emv-Pvgov I PvgovRvZ cY¨) 4
21 House Construc�on Materials' Business/ (evox wbg©vY mvgMÖxi e¨emv) 4
22 Professionals (Journalists, Lawyers .Doctors, Engineers, Chartered Accountants)/ (†ckvRxwe-mvsevw`K, AvBbRxex, Wv³vi, BwÄwbqvi PvU©vW© GKvDb‡U›U) 4
23 Director (Private/Public Limited company)/ {wW‡i±i (cÖvB‡fU/ cvewjK wjwg‡UW †Kv¤úvbx)} 4
24 Senior officials of mul�na�onal organiza�ons/ (eûRvwZK cÖwZôv‡bi DaŸ©Zb Kg©KZ©v) 4
25 Housewife/ (M„wnbx) 4
26 IT Jobs/ (Z_¨-cÖhyw³ †ÿ‡Î PvKzix) 4
27 Player/Media Celebrity/Producers/Manufacturers/ (†L‡jvqvo wgwWqv †mwj‡eªwU/ cÖwWDmvi /wbg©vZv) 4
28 Freelance so�ware developer/ (wd«j¨vÝ mdUIq¨vi †W‡fjcvi) 4
29 Business- Agent/ (e¨emv-G‡R›U) 3
30 Government service/ (miKvwi PvKzwi) 3
31 Landlord/ (evoxIqvjv) 3
32 Yarn Business/Scrap Traders/ (myZv e¨emvqx/SzU e¨emvqx) 3

10
 Sl. No. Nature Risk Score
µwgK b¤^i cÖK…wZ wi¯‹ †¯‹vi
33 Transport Operator/ (cwienb Acv‡iUi) 3
34 Tobacco and Cigare�e Business/ (ZvgvK I wmMv‡i‡Ui e¨emv) 3
35 Amusement Park/Corpora�on/ (we‡bv`bKvix cÖwZôvb /cvK©) 3
36 Motor Parts/Workshop Business/ (†gvUi cvU©m /IqvK©kc Gi e¨emv) 3
37 Private service Managerial/ (cÖvB‡fU mvwf©m g¨v‡bRvwiqvj) 3
38 Teacher (Government/Private/Autonomous Educa�on Ins�tu�on)/ {wkÿK (miKvwi †emiKvix/¯^vqËkvwmZ wkÿv cÖwZôvb)} 2
39 Service (Private) /(PvKzwi-†emiKvix) 2
40 Small Businessman (Yearly turnover is less than 50 lac BDT) /(ÿz`ª e¨emvqx (evwl©K Uvb©Ifvi 50 jÿ UvKvi bx‡P) 2
41 Self-employed Professional / (¯^D‡`¨vMx †ckvRxex) 2
42 Computer/Mobile phone dealer/ (Kw¤úDUvi/†gvevBj †dv‡bi wWjvi) 2
43 Manufacturer (excluding arms)/ {Drcv`bKvix (A¯¿ e¨ZxZ)} 2
44 Student/ (QvÎ/QvÎx) 2
45 Re�red from service/ (PvKzix n‡Z Aemi MÖnYKvix) 1
46 Farmer/Worker/Fisherman/ (K…wlRxex /kÖgRxex/ grmRxex) 1
47 Others (please specify if any)/ {Ab¨vb¨ (mywbw`©ófv‡e D‡jøL Kiæb)} 1-5

`ªóe¨t KYC m¤úv`bKvix Kg©KZ©v Mªvn‡Ki e¨emv‡qi ev †ckvi cÖK…wZ, e¨emv‡qi GjvKv, e¨emv‡qi AvKvi, wnmv‡ei cÖK…Z myweav‡fvMx cÖf…wZ welqmg~n we‡ePbvq wb‡q
MÖvnK‡f‡` 16-47 µwg‡K D‡jøwLZ †ckvi †ÿ‡Î ewY©Z †¯‹vi A‡cÿv D”PZi †¯‹vi cÖ`vb Ki‡Z cvi‡e| Av‡e`bKvix QvÎ n‡j, Dc‡iv‡jøwLZ QK Abyhvqx Zvi
Awffve‡Ki SywuK wbiƒcY Ki‡Z n‡e|
NB : In case of scoring as mentioned in the serial Nos. 16-47, the KYC executing official may mark the score high, considering
customer's nature of business or profession, area of business, size of business and beneficial owner of the account. If the
applicant is a student, the guardian's risk scoring to be made following the table.

b. Customer’s Monthly Income / MÖvn‡Ki gvwmK Av‡qi cwigvY

Amount (BDT)/cwigvY (UvKvq) Risk Score/wi¯‹ †¯‹vi

1 Lac/ 1 jÿ ch©šÍ 0
> 1- Lac / 1n‡Z 3 jÿ ch©šÍ 1
> 3 Lacs / 3 jÿvwaK 3

c. Mode of Account Opening / wnmve †Lvjvi aiY:

Mode/aiY Risk Score/wi¯‹ †¯‹vi

Rela�onship Manager / by Branch / wi‡jkbkxc g¨v‡bRvi/ kvLv KZ©„K 0
Direct Sales Agent / WvB‡i± †mjm G‡R›U KZ©„K 3
Internet /Non face to face / B›Uvi‡bU 3
Unsolicited /Walk –in/ Self- Mo�vated / ¯^cÖ‡Yvw`Zfv‡e 3

d. Probable monthly transac�on amount of the Customer / MÖvn‡Ki AbywgZ gvwmK †jb‡`‡bi cwigvY :

Transac�on Amount in Current Account (BDT in Lac) Transac�on Amount in Savings Account (BDT in Lac) Risk Score/wi¯‹ †¯‹vi
PjwZ wnmv‡e †jb‡`‡bi cwigvY (jÿ UvKvq) mÂqx wnmv‡e cwigvY (jÿ UvKvq)
0-10 0-5 0
> 10-20 > 5-10 1
>20 >10 3

e. Probable monthly transac�on number / AbywgZ gvwmK †jb‡`‡bi msL¨v:

Transac�on number in Current Account Transac�on Number in Savings Account Risk Score/wi¯‹ †¯‹vi
PjwZ wnmv‡e †jb‡`‡bi msL¨v mÂqx wnmv‡e †jb‡`‡bi msL¨v
0-15 0-10 0
16-25 11-20 1
>25 >20 3

11
 f. Probable monthly cash transac�on amount of the customer / MÖvn‡Ki AbywgZ gvwmK bM` †jb‡`‡bi cwigvY:

Transac�on Amount in Current Account (BDT in Lac) Transac�on Amount in Savings Account (BDT in Lac) Risk Score/wi¯‹ †¯‹vi
PjwZ wnmv‡e †jb‡`‡bi cwigvY (jÿ UvKvq) mÂqx wnmv‡e †jb‡`‡bi cwigvY (jÿ UvKvq)
0-5 0-2 0
> 5-10 >2-5 1
>10 >5 3

g. Probable monthly Cash transac�on Number of the Customer / MÖvn‡Ki AbywgZ gvwmK bM` †jb‡`‡bi msL¨v :

Transac�on Number in Current Account Transac�on Number in Savings Account Risk Score/wi¯‹ †¯‹vi
PjwZ wnmve †jb‡`‡bi msL¨v mÂqx wnmv‡e †jb‡`‡bi msL¨v
0-10 0-5 0
11-20 6-10 1
>20 >10 3

14. Overall Risk Assessment ( Sum of Risk Score number ‘a’ to ‘g’ as stated above) /
mvwe©K SzuwK wbiƒcY (Dc‡ii ‘a’ n‡Z ‘g’ b¤^i µwgK ch©šÍ wi¯‹ †¯‹v‡ii †hvMdj)

Summa�on of Risk Score/ wi¯‹ †¯‹v‡ii †hvMdj Overall Risk Ra�ng/ mvgwMÖK wi¯‹ †iwUs
........> =14 High/ D”P
........< 14 Low/ wb¤œ

Remarks/ gšÍe¨

(The customer’s risk rating may be assessed as High considering the High Risk of the Beneficial Owner and mentioning the reasons on the basis of subjective
judgment even if the Risk Rating in less than 14./ wi¯‹ †iwUs 14 Gi Kg n‡jI †ewbwdwmqvj Ibvi Gi D”P SzuwK we‡ePbvq wb‡q KviY D‡jøL c~e©K mve‡Rw±f we‡ePbvq MÖvnK‡K
D”P SzuwK m¤úbœ wn‡m‡e wbiƒcb Kiv †h‡Z cv‡i|)

Maker/ cÖ¯‘ZKvix t Reviewed and confirmed officer/ ch©v‡jvPbv I wbwðZKvix Kg©KZ©v t

(Account Opening officer/ Rela�onship Manager/ wnmve †Lvjvi {Branch An� Money Laundering Compliance Officer (BAMLCO)/ kvLv
Kg©KZ©v/ wi‡jkbwkc g¨v‡bRvi) gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v}

Signature (with seal)/ ¯^vÿi wmjmn t Signature (with seal)/ ¯^vÿi wmjmn t
Name/ bvg t Name/ bvg t
Date/ ZvwiL t Date/ ZvwiL t

High official/CAMLCO/DCAMLCOs’ signature with seal and

Date in case of approving PEP / IP/ High officials of
interna�onal Organiza�ons/( wcBwc/ AvBwc/ AvšÍR©vwZK ms¯’vi
DaŸ©Zb Kg©KZ©v Gi †ÿ‡Î Aby‡gv`bKvix DaŸ©Zb
Kg©KZ©v/CAMLCO/DCAMLCO bvghy³ wmjmn ¯^vÿi I ZvwiL) t

15. Date When the account and customer’s informa�on were last reviewed and updated /wnmve I MÖvnK msµvšÍ Z_¨vw` me©‡kl
ch©v‡jvPbv Ges nvjbvMv` Kivi ZvwiL:
Reviewed and updated by/ ch©v‡jvPbv Ges nvjbvMv`Kvix Kg©KZ©v t

Signature (with seal)/ ¯^vÿi wmjmn t

Name/ bvg t
Date/ ZvwiL t

12
 ACCOUNT RULES / (wnmv‡ei wbqgvejx)
OPENING AN ACCOUNT: Eligibility, Interest, Fees & Charges, documenta�on wnmve †Lvjvt †hvM¨Zv, my‡`i nvi, wd I PvR©mg~n, cÖ‡qvRbxq KvMRcÎvw` I Ab¨vb¨ kZ©vejx
requirements and other condi�ons are as per feature of the product. †cÖvWv‡±i ˆewkó¨ Abyhvqx cÖ‡hvR¨|
MINIMUM DEPOSIT: A minimum deposit amount as prescribed by the bank shall be b~b¨Zg Rgvt e¨vsK KZ©„K wba©vwiZ b~b¨Zg Rgv wnmve †Lvjvi mgq cÖ‡hvR¨ n‡e| e¨vs‡Ki
applicable while opening the account. As per decision of the Bank a minimum balance
shall be maintained by the customer which can not be withdrawal.
PjwZ wbqg Abyhvqx memgq wnmv‡e b~b¨Zg w¯’wZ ivL‡Z n‡e hv D‡Ëvjb †hvM¨ bq|
WITHDRAWALS: Cash withdrawals will be made on printed cheque and debit card D‡Ëvjbt e¨vsK KZ©„K mieivnK…Z Qvcv‡bv †PK Ges †WweU KvW© Øviv bM` D‡Ëvjb Kiv
supplied by the bank. hv‡e|
CLOSURE OF ACCOUNT: When account is closed either by the cons�tuents or by the wnmve eÜ Kivt e¨vsK A_ev MÖvnK KZ©„K †Kvb Kvi‡Y wnmve eÜ Kiv n‡j MÖvnK Aek¨B
Bank, the cons�tuent is required to return all the unused cheques and cards if any to Ae¨eüZ †PK eB, GwUGg KvW© (hw` _v‡K) e¨vs‡Ki wbKU †diZ w`‡e| G‡ÿ‡Î cÖPwjZ
the Bank. A Charge as per our prevailing tariff will be recovered from an account holder
ZvwjKv Abymv‡i wba©vwiZ wd cÖ‡hvM¨ n‡e| e¨vsK m¤ú~Y© Zvi wb‡Ri we‡ePbvq m‡šÍvlRbK bq
who closes an account. The Bank reserves unequivocal right to close any unsa�sfactory
account as decided by the Bank at its absolute discre�on. Ggb wnmve †h †Kvb mgq GKK wm×v‡šÍ eÜ K‡i †`qvi AwaKvi msiÿY K‡i|
CHEQUEBOOKS †PK eB
1. An applica�on for a cheque book on a Savings/Current Account must be made on 1. MÖvn‡Ki ¯^vÿiK…Z e¨vs‡Ki wiKzBwRkb w¯ø‡c Kv‡i›U/‡mwfsm GKvD‡›Ui †PKeB Gi Rb¨
the Bank's requisi�on slip, duly signed by the account holder(s). Cheque Book will not Av‡e`b Ki‡Z n‡e| e¨vsK cÖ‡qvRbxq g‡b K‡i Ggb me cÖ‡qvRbxq Z_¨ I KvMRcÎ
be issued to a customer un�l and unless all the documenta�on considered necessary GKvD›U †nvìvi KZ©„K cÖ`vb bv Kiv ch©šÍ e¨vsK MÖvn‡Ki bv‡g †Kvb †PKeB Bmy¨ Ki‡e bv|
by the Bank has been provided by the account(s) holder and duly obtained by the
Bank. 2. AwewjK…Z †PKeB m‡e©v”P 90 w`b ch©šÍ e¨vsK †ndvR‡Z ivLv n‡e| 90 w`b ci
2. Undelivered cheque book will be retained by the Bank for up to 90 (Ninety) days. GKai‡Yi AwewjK…Z †PKeB e¨vsK bó K‡i †dj‡e Ges cÖPwjZ ZvwjKv Abyhvqx mswkøó
A�er 90 days undelivered cheque book will be destroyed by the Bank and necessary GKvD›U n‡Z cÖ‡hvR¨ PvR© Av`vq Kiv n‡e|
charges will be realised from the respec�ve customer account as per Bank's tariff.
3. e¨vs‡K iwÿZ GKvD›U‡nvìv‡ii bgybv ¯^vÿ‡ii m‡½ †P‡Ki ¯^vÿ‡ii †Kvb Miwgj n‡j
3. The cheque will be returned unpaid if drawer's signature differs from that on record †PK †diZ cvVv‡bv n‡e| e¨vsK iwÿZ bgybv ¯^vÿ‡ii m‡½ wg‡j †i‡L GKvD›U‡nvìvi‡K
at the Bank. The same style and model of signature as per specimen given to the Bank
memgq ¯^vÿi Ki‡Z n‡e|
must be adhered to.
4. The Bank reserves the right to refuse issuance of Cheque Book on such accounts 4. MÖvn‡Ki wnmve m‡šÍvlRbKfv‡e cwiPvwjZ bv n‡q _vK‡j ev c~‡e©i Bmy¨K…Z †PK eB‡qi
which are not maintained sa�sfactorily or when an excessive number of Cheques from AwaKvsk cvZv Ae¨en«Z _vK‡j e¨vsK †mB MÖvnK‡K bZzb †PK eB Bmy¨ Ki‡Z evwaZ bb|
the previous cheque Book have remain unused. 5. e¨vs‡Ki wbKU MÖvn‡Ki cÖ`vbK„Z wVKvbvq WvK‡hv‡M (ev e¨vsK Øviv wbav©wiZ Ab¨ †Kvb
5. When new Cheque Books are delivered to the customer by post according to the Dcv‡q) †PKeB cvVv‡bv n‡j Zv MÖvn‡Ki wbKU mwVKfv‡e †cÖwiZ n‡q‡Q e‡j MY¨ Kiv n‡e|
address record kept by the Bank (or by such other means as determined by the Bank), Z‡e D³ Dcv‡q †cÖiYK…Z †PKeB nviv‡bv ev wej‡¤^i Rb¨ e¨vsK KZ©„cÿ `vqx _vK‡e bv|
it will be deemed delivered. However, the Bank assumes no responsibility for any delay
or loss caused by any mode of forwarding. 6. evsK hyw³m½Z KviY mv‡c‡ÿ †PK †diZ cvVv‡bvi AwaKvi iv‡L| †Kvb Kvi‡Y †PK
6. The Bank reserves the right to dishonour cheque(s) on reasonable ground . In the †diZ cvVv‡bv n‡j e¨vs‡Ki wbqg Abyhvqx cÖwZevi †PK †diZ cvVv‡bvi Rb¨ wbw`©ó `Ûmy`
event of a cheque being returned, the bank may realize a penalty charge for each †K‡U ivL‡e|
presenta�on and return.
†PK †c‡g›U ¯’wMZv‡`kt wnmveavix AeMZ †h, †PK nviv‡bvi †ÿ‡Î A_ev Ab¨vb¨ AvBbwm×
STOP PAYMENT OF THE CHEQUE: Account holder(s), shall immediately no�fy the Bank I e¨vsK KZ©„K ¯^xK…Z Ae¯’vq e¨vsK Zvi m¤ú~Y© wbR we‡ePbvq wnmveavixi Øviv wjwLZfv‡e
if any of the cheques issued to him/them, is lost or stolen. Account holder(s) shall
cÖ‡`q †PK ¯’wM‡Zi wb‡`©k MÖnY Ki‡e|
understand that the Bank may in its absolute discre�on, accept from the customer
anystop cheque instruc�ons (In wri�ng) In cases where Account holder(s) have lost the MÖvnK ev MÖvn‡Ki †Kvb cÖwZwbwai Øviv wb‡`©kcÖvß n‡q e¨vsK †PK ¯’wMZ msµvšÍ †Kvb wb‡`©k
relevant cheque or, in other circumstances in which it shall be allowed by law and MÖnY Kivi d‡j e¨vs‡Ki †Kvb ÿwZ, †jvKmvb, LiP (AvBbx LiPmn) n‡j, Zv MÖvnK e¨vsK‡K
agreed by the Bank. cÖ`vb Ki‡Z eva¨ _vK‡e| Gi †cÖwÿ‡Z G RvZxq †PK ¯’wMZ msµvšÍ †Kvb wb‡`©k
Should the Bank accept any such instruc�on from the customer or from some other ZvwjKvf~w³i Rb¨ e¨vsK Øviv wba©vwiZ nv‡i PvR© KvUv n‡e|
person purpor�ng to be the customer, the customer hereby undertake to indemnify
the Bank against any loss, damage, cost, (including any legal cost) or demand incurred †PK ev †PK cÖ`v‡bi d‡j RvwjqvwZt †PK †Kvb NlvgvRv ev †PK Øviv RvwjqvwZ, cÖZviYv
by it as a result of, or in connec�on therewith. A charge as per the bank’s prevailing cÖwZ‡iv‡a MÖvnK we‡kl mZK© `„wó ivL‡eb| G‡ÿ‡Î RvwjqvwZ ev cÖZviYvi d‡j MÖvnK ev Ab¨
tariff will be recovered for recording stop payments. †Kn ÿwZMÖ¯’ n‡j Zvi Rb¨ †Kvb Ae¯’v‡ZB e¨vsK `vqx n‡e bv| †Kvb †PK nviv‡bv †M‡j ev
FRAUD & FORGERY DUE TO PAYMENT OF CHEQUE: The customer must at all �mes †Kvb †P‡Ki Ace¨envi n‡j we›`ygvÎ mgq bó bv K‡i mv‡_ mv‡_ Zv e¨vsK‡K wjwLZfv‡e
exercise due care to prevent cheques from being altered or forged in a manner which AewnZ Ki‡eb|
may facilitate fraud. In such events, the Bank is not responsible for any loss suffered by
the customer or any other person. Any loss or misuse of the cheques must be cwRwUf †ct wK¬qvwis †P‡Ki cwRwUf †c msµvšÍ evsjv‡`k e¨vs‡Ki wb‡`©k Abyhvqx MÖvnK
immediately reported to the Bank and confirmed in wri�ng without any delay. KvD‡K †PK cÖ`vb Ki‡j Aek¨B wjwLZfv‡e ev KbU¨v± †m›Uv‡i †hvMv‡hvM K‡i e¨vsK‡K
POSITIVE PAY: As per instruc�on of Bangladesh Bank on Posi�ve Pay for clearing AewnZ Ki‡eb| Ab¨_vq e¨vsK †PK †diZ w`‡Z cv‡i|
cheque, the account holder must inform the Bank (NRB Bank) in wri�ng or through mvaviY wbqgvejx
contact Center a�er issuance of a cheque otherwise cheque may be dishonored.
1. †Kvb Kvib D‡jøL bv K‡i e¨vsK †h †Kvb mgq GKvD›U eÜ Kivi AwaKvi msiÿY K‡i|
GENERAL
1. The Bank reserves the right to close any account without assigning any reason.
2. e¨vsK k~b¨ w¯’wZ m¤úbœ GKvD‡›U 1(GK) eQi ev Zvi AwaK mg‡qi Rb¨ †Kvb †jb‡`b bv
n‡j D³ wnmve eÜ Kivi AwaKvi msiÿY K‡i|
2. The Bank reserves the right to close any account having zero balance without
transac�on for one year. 3. GKvD‡›Ui aiY Abyhvqx PjwZ/ mÂqx wnmv‡ei Rb¨ e¨v‡jÝ lvb¥vwmKfv‡e GmGgGm Gi
3. Balance of the account (Current/Savings) will be sent to the customer through SMS gva¨‡g cÖ`vb Kiv n‡e| MÖvnK †÷U‡g‡›Ui Rb¨ Aby‡iva Ki‡j eZ©gvb ZvwjKv Abyhvqx
on half yearly basis. If any statement is requested by the customer then charge will be wba©vwiZ wd cÖ‡hvR¨ n‡e|
levied as per our current Tariff.
4. †hŠ_ GKvD‡›Ui †ÿ‡Î GmGgGm cÖ_g cÿ‡K cvVv‡bv n‡e|
4. For joint accounts, all statements are addressed to the first named party.
5. †Kvb GKvD‡›Ui Kvh©µg eÜ ivL‡Z Av`vjZ hw` wb‡`©k cÖ`vb K‡i Zvn‡j D³ GKvD‡›Ui
5. Accounts upon which an a�achment order or other legal no�ce prohibi�ng
Kvh©µg eÜ ivLv n‡e| D³ wb‡`©k Zz‡j bv †bIqv ch©šÍ D³ GKvD›U †jb‡`b e›` _vK‡e|
opera�on of the account has been received will be ruled off and no further opera�on
will be allowed �ll such �me as the prohibi�ng order is removed. 6. wVKvbvi †h‡Kvb ai‡Yi cwieZ©b n‡j MÖvnK Zv e¨vsK‡K wjwLZfv‡e Rvbv‡eb| Ab¨_vq
6. Account holders should no�fy the Bank of any change of address in wri�ng. e¨vs‡Ki Kv‡Q iwÿZ MÖvn‡Ki wVKvbv Abyhvqx GKvD›U †÷U‡g›U/e¨vs‡Ki Ab¨vb¨ †hvMv‡hvM
Otherwise, Bank will not be liable for delivering account statement/Bank cÎ cvVv‡bv n‡j Zvi Rb¨ e¨vsK †K `vqx Kiv hv‡e bv|
communica�on to the recorded address of the account holder.
7. e¨vsK MÖvnK‡K †Kvb †bvwUk cÖ`vb QvovB MÖvn‡Ki †Kvb †jvb/ `v‡qi wecix‡Z e¨vs‡K
7. The Bank may without no�ce combine or consolidate account(s) with any liabili�es MÖvn‡Ki †Kvb GKvD‡›U w¯’wZ †h †Kvb cwigvY A_© D³ †jvb/ `v‡qi wecixZ, hv GØZmsµvšÍ
to the Bank and set-off or transfer any sum(s) standing to the credit of such accounts,
or any other suit(s) owing to the customer from the Bank in or towards sa�sfac�on, or
†Kvb gvgjvi Li‡Pi Rb¨ ¯’vbv¯Íi ev mgš^q Ki‡Z cv‡i| e¨vs‡Ki mv‡_ MÖvn‡Ki G `vq
the customer's liabili�es to the Bank on any other respect whether such liabili�es be cÖK…Z/ m¤¢ve¨ cÖv_wgK eÜKx GKK/‡hŠ_ hvB †nvK bv †Kb e¨vsK Zv MÖvn‡Ki GKvD‡›Ui mv‡_
actual or con�ngent, primary or collateral and several or joint. mgš^q Kivi AwaKvi iv‡L|
8. In addi�on to any general lien or other rights or remedies to which the Bank shall be 8. e¨vsK †h †Kvb mgq Ges mg‡q PvIqv gvÎ e¨vs‡Ki cÖvc¨ †Kvb mvaviY wj‡qb ev Ab¨
en�tled, the Bank may at any and from �me to �me apply any credit balance to which †Kvb AwaKvi ev cÖwZKv‡ii Dci MÖvn‡Ki GKvD›U n‡Z e¨vs‡Ki c~Y© mš‘wói ¯^v‡_© cÖ‡qvRbxq

13
the customer(s) is/are en�tled on any account(s) with the Bank (including the above `vq, hvi Dci MÖvn‡Ki AwaKvi i‡q‡Q (Dc‡iv³ GKvD›U mg~n) n‡Z †K‡U wb‡Z cvi‡e| AÎ
account(s)) in sa�sfac�on of any of its indebtedness to the Bank. Further, any of the e¨vs‡Ki †h †Kvb kvLvq iwÿZ MÖvn‡Ki GKvD›U mg~n GKwU Ô mshy³ GKvD›UÕ wnmv‡e MY¨
account(s) of the customer(s) with any branch of the Bank shall be treated as one Kiv n‡e|
combined account.
9. Opera�ons of the Non-Resident accounts shall be governed as per the guidelines of 9. cÖevmx MÖvn‡Ki GKvD›U evsjv‡`k e¨vs‡Ki wb‡`©kbv Abyhvqx cwiPvwjZ n‡e| cÖevmx
Bangladesh Bank. Holders of Non-Resident accounts should advise the Bank MÖvnK hw` ¯’vqxfv‡e emev‡mi D‡Ïk¨ †`‡k wd‡i Av‡mb Zvn‡j Zv mv‡_ mv‡_ e¨vsK‡K
immediately, upon return to Bangladesh if they intend to take permanent residence in Rvbv‡eb| †`k Z¨v‡Mi c~‡e© wjwLZfv‡e e¨vsK‡K Rvbv‡bvI cÖevmx MÖvn‡Ki `vwqZ¡|
Bangladesh. It is also responsibility of the customer to inform the Bank in wri�ng
before leaving country.
10. e¨vsK †Kvb iKg †bvwUk cÖ`vb QvovB, †h‡Kvb kZ©, wd ev PvR© cwieZ©b Ki‡Z cv‡i|
10. The Bank reserves the right to amend the terms and condi�ons, current Tariff 11. GKvD›U †÷BU‡g›U Gi mKj †jb‡`‡bi h_v_©Zv hvPvB Kivi `vwqZ¡ GKvD›U‡nvìv‡ii|
without any no�ce MÖvn‡Ki Rvbvg‡Z †÷BU‡g›U D‡jøwLZ Z‡_¨i mv‡_ MÖvnK wØgZ †cvlY Ki‡j Aek¨B e¨vsK
11. The account holder is solely responsible for prompt examina�on of all entries in the mswkø÷ GKvD›U †÷B‡g›U cvIqvi 14 w`‡bi g‡a¨ wjwLZfv‡e Rvbv‡bv n‡e| MÖvn‡Ki wbKU
statement and must give the Bank wri�en no�ce within 14 days of the date of the n‡Z G RvZxh †Kvb Awf‡hvM cvIqv bv †M‡j weeiYx‡Z (‡÷BU‡g›U) †`qv mKj Z_¨ mwVK
relevant statement of any discrepancy that he believes exists between any such Ges MÖvnK KZ©„K Zv M„nxZ n‡q‡Q e‡j we‡ewPZ n‡e|
statement and his own records. In the absence of any such no�ce from the Account
holder, he/she will be deemed to have agreed and cer�fied conclusively (for all 12. e¨vsK †h †Kvb mgq †h †Kvb MÖvn‡Ki GKvD‡›U †Kvb †jb‡`b Ki‡Z A¯^xK…wZ Rvbv‡Z
purposes) the correctness of the relevant statement of account. cv‡i hw` e¨vs‡Ki we‡ePbvq H ‡jb‡`b RvwjqvwZ ev †e AvBb e‡j we‡ewPZ nq| †jb‡`‡bi
12. The Bank may refuse to process any transac�on on any customers' account(s) if the h_vh_© wel‡q e¨vs‡Ki wm×všÍ P~ovšÍ Ges MÖvnK Zv †g‡b Pj‡Z eva¨|
Bank suspects fraud or illegality therein. The Banks' decision on whether the 13. e¨vsK †Uwj‡dvb, d¨v· ev B‡gB‡ji gva¨‡g †Kv‡bv †jb‡`b m¤úbœ Ki‡e bv (hw` bv G
transac�on is or likely to be involved a fraud or irregularity shall be final and conclusive
and binding on the customer.
wel‡q †Kv‡bv `vqgyw³ Pzw³ MÖvnK I e¨vs‡Ki g‡a¨ m¤úbœ n‡q _v‡K)
13. The Bank will not execute any customer transac�on over phone, fax and e-mali 14. my‡`i nvi mgq mg‡q cwieZ©b †hvM¨|
(unless standard indemnity arrangements are already in place). 15. †PK eB MÖnY Kivi mgq MÖvnK‡K †PK eB‡qi cvZv ¸‡Y wb‡Z nq Ges †PK eB wbivc`
14. Rate of interest is subject to change from �me to �me. ¯’v‡b (wbR¯^ †ndvR‡Z) msi¶Y Ki‡Z nq †hb †Kvb †PK Gi cvZv Pzwi/‡Lvqv ev Ace¨envi
15. Customer will count pages of cheque book at the �me of its receiving and the same bv nq| Pzwi ev †Lvqv hvIqv †Kvb †P‡Ki gva¨‡g RvwjqvwZ msNwUZ n‡j e¨vsK `vqx _vK‡e
should be preserved in secured place(self-custody) so that no page is stolen/lost or bv|
misused. Bank will not be responsible for any fraud or forgery commi�ed by stolen or
lost cheque. 16. wnmveaviK e¨vs‡K mieivnK…Z bgybv ¯^v¶i Abyhvqx †PK mwn Ki‡eb| bgybv ¯^v¶i
16. Customer will sign cheque as per his/her specimen signature provided to the Bank.
cwieZ©b Ki‡Z n‡j Zv c~e©v‡ýB wjwLZfv‡e e¨vsK‡K AewnZ Ki‡Z n‡e| e¨vs‡Ki mv‡_ †h
Customer should inform the bank in wri�en earlier if he/she wants to bring any change †Kvb cÖKvi wjwLZ †hvMv‡hv‡Mi †¶‡Î bgybv ¯^v¶i e¨envi Ki‡Z n‡e|
in specimen signature. Customer will use his specimen signature at the �me of any 17. †PK cwi‡kva eÜ (Stop payment) ivLvi wb‡`©k e¨vsK mZK©Zvi mv‡_ bw_fz³ K‡i|
wri�en communica�on with the Bank.
wKš‘ fzjekZ D³ †P‡Ki UvKv cwi‡kvwaZ n‡j e¨vsK `vqx n‡e bv|
17. Bank lodges the stop payment instruc�on carefully. Bank will not be responsible if
the cheque is honored mistakenly. 18. MÖvn‡Ki wnmve e¨vsK mZK©Zvi mv‡_ AvKjb/weKjb K‡i| fzjekZ †Kvb A_©
18. Bank debits/credits customer account carefully. Bank can adjust the wrongly
AvKwjZ/weKwjZ n‡j e¨vsK Zv ms‡kvab Ki‡Z cv‡i|
debited/credited amount. 19. e¨vsK †h †Kvb mgq e¨vsK wnmve msµvšÍ †h †Kvb wbqgvejx cwieZ©b, cwiea©b,
19. The Bank can change, add, amend or nullify any rules related to account and the ms‡kvab ev evwZj Ki‡Z cv‡i Ges wnmveavix Zv †g‡b Pj‡Z eva¨ _vK‡eb|
account holder is obliged to abide by the instruc�on made by the Bank in this regard at
20. 1991 mv‡ji e¨vsK †Kv¤úvbx AvBbvbyhvqx 10 (`k) eQi I Z`yaŸ© †gqv` ch©šÍ †Kvb
any �me.
wnmv‡e †jb‡`b bv n‡j mswk¬ó wnmvewU A`vweK…Z (Unclaimed) wnmv‡e MY¨ K‡i D³
20. If no transac�on occurs in an account for 10 years or more , then the account will
be treated as an unclaimed Account as per Bank Company Act-1991 and the balance of
wnmv‡ei w¯’wZ evsjv‡`k e¨vs‡K ¯’vbvšÍi Kiv nq|
that par�cular account will be transferred to Bangladesh Bank. 21. †Kvb c~e©vby‡gvwZ QvovB e¨vsK Zvi wbR¯^ we‡ePbvq wnmveavixi wnmve n‡Z †h‡Kv‡bv PvR©
21. Bank at his own discre�on may deduct any charge form customer’s account KZ©b Ki‡Z cv‡i|
without prior in�ma�on.
22. D³ wnmve †_‡K cÖ‡qvRbxq Li‡Pi UvKv/WvKgvïj/e¨vs‡Ki wbqgvbyhvqx lvb¥vwmK
22. VAT/Tax or tariff and maintenance fees/postal charge as well as other charges/fees wfwˇZ wnmve cwiPvjbv wd Ges Ab¨vb¨ cÖ‡hvR¨ wd/PvR© KZ©b Kiv n‡e| GQvov e¨vsK KZ©„K
of the Bank will be realized on half yearly basis as per Govt. rules and rules of the Bank.
miKvix wbqg Abyhvqx f¨vU, Ki ev ïé KZ©b Kiv n‡e|
23. An adult person having sound mind or a group of people in his name can open this
Account. 23. my¯’ gw¯Í®‹ I cÖvßeq¯‹ †Kvb e¨w³ ev e¨w³eM© Zvi bv‡g G wnmve Lyj‡Z cv‡ib|
24. Bank has the right to reject any transac�on if it seems illegal and fraudulent. If any 24. †h †Kvb wnmv‡e †Kvb †jb‡`b A‰ea ev cÖZviYvg~jK wnmv‡e e¨vs‡Ki wbKU m‡›`n n‡j
transac�on any involve or may be involve with fraudulent or illegal or suspicious e¨vsK †mB †jb‡`b cÖwµqv cÖZ¨vLvb Kivi AwaKvi msiÿY K‡i| cÖZviYvg~jK ev A‰ea ev
ac�vi�es in that case decision taken by Bank will be final and the depositor shall be m‡›`nRbK Kvh©Kjv‡ci m¤ú„³Zv i‡q‡Q ev m¤ú„³ _vKvi m¤¢vebv i‡q‡Q G ai‡bi †jb‡`‡b
obliged to accept it.
e¨vs‡Ki wm×všÍ PzovšÍ wn‡m‡e we‡ewPZ n‡e Ges AvgvbZKvix Zv †g‡b wb‡Z eva¨ _vK‡e|
25. FC, Conver�ble, NITA, Blocked Tk. Account will be operated under rules of Foreign
Exchange Regula�on Act and Bangladesh Bank. 25. mKj Gdwm, KbfviwUej, wbUv, eøKW UvKv wnmve ˆe‡`wkK gy`ªv wbqš¿Y AvBb I
evsjv‡`k e¨vsK wewa weavb Abyhvqx cwiPvwjZ n‡e|
26. Bank realizes account maintaining charge on half yearly basis by debi�ng the
account and realizes account closing charge at the �me of closure of an account. 26. e¨vsK KZ©„K lvb¥vwlK wfwˇZ wnmve msiÿYv‡eÿY wd wnmve †_‡K weKjb Kiv nq|
27. If there is any instruc�on to operate a joint account in joint signature or it is said in wnmve eÜ Kivi mgq e¨vs‡Ki wba©vwiZ wd (Closing Charge) KZ©b Kiv nq|
the special instruc�on that ‘Any one can operate the account’ in such case the 27. †hŠ_ wnmv‡ei †¶‡Î hw` GKR‡bi g„Zy¨ nq Ges wnmvewU hw` †hŠ_ ¯^v¶‡i cwiPvjbvi
transac�on will be stopped instantly a�er ge�ng the news of death of the account
holder. In that case, survivor as well as successor of the deceased person can withdraw wb‡`©k _v‡K A_ev we‡kl wb‡`©kbvq ejv _v‡K †h, †h †Kvb GKRb wnmve cwiPvjbv Ki‡Z
the remaining balance through submission of a joint applica�on along with succession cvi‡e (Any one can operate the Account)| Z‡e †h †Kvb GKR‡bi g„Zz¨i mv‡_
cer�ficate issued by Ward Councilor/Chairman of Union Parishad without any Court mv‡_ mswkøó wnmvewU‡Z †jb‡`b eÜ n‡q hv‡e| G‡¶‡Î IqvW© KvDwÝji/BDwbqb cwil`
Order. †Pqvig¨vb KZ©„K cÖ`Ë Iqvwikvb mb‡`i gva¨‡g Av`vj‡Zi wb‡`©k QvovB D³wnmve Mw”QZ
28. In case of death of any cons�tuents of Joint Account and if it is men�oned in the A_© RxweZ e¨w³ g„Z e¨w³i Iqvwik‡`i mv‡_ †hŠ_fv‡e Av‡e`b Kiv mv‡c‡¶ D‡Ëvjb Ki‡Z
special instruc�on that ‘Either or survivor can operate the account’, in such situa�on, cvi‡eb|
the survivor can operate the account and can withdraw the remaining balance as
he/she wishes. 28. †hŠ_ wnmv‡ei †¶‡Î hw` GKR‡bi g„Zz¨ nq Ges wnmvewU we‡kl wb‡`©kbvq D‡jøL _v‡K
29. If any person is nominated as nominee as per special instruc�on of the account †h, †h †Kvb GKRb ev RxweZ e¨w³ (Either or survivor can operate the
operated as individual account, the nominee may be allowed to withdraw the Account) wnmvewU cwiPvjbv Ki‡Z cvi‡e, Zvn‡j RxweZ e¨w³ mswkó wnmvewU cwiPvjbv
remaining balance of the account as per rules ensuring proper iden�fica�on. In this Ki‡Z my‡hvM cv‡e Ges RxweZ e¨w³ B”Qv Ki‡j Av`vj‡Zi wb‡`©k QvovB D³ wnmv‡e Mw”QZ
regard there is no need to submit succession cer�ficate issued by the Court. But the A_© D‡Ëvjb Ki‡Z cvi‡eb|
account will be closed a�er withdrawal of the remaining balance. If nominee intends
to con�nue the account, he/she is required to open a new account. 29. GKK bv‡g cwiPvwjZ wnmv‡e we‡kl wb‡`©‡k hw` bwgbx wnmv‡e †Kvb e¨w³‡K g‡bvbxZ
30. Nomina�on/ succession to the amount lying to the credit of the account and/ or Kiv nq, Z‡e H e¨w³ wnmvewU cwiPvjbvKvix e¨w³i g„Zz¨i ci mswk¬ó wnmv‡e Mw”QZ A_©
opera�on thereof on the death of the person authorized to operate the account shall h_vixwZ mbv³KiY mv‡c‡¶ wbqgvbyhvqx D‡Ëvjb Ki‡Z cvi‡e| †m‡¶‡Î †KvU© KZ…©K cÖ`Ë
be in accordance with the laws executed or to be executed from �me to �me and mvK‡mkb mvwU©wd‡KU `vwLj Ki‡Z n‡e bv| Z‡e UvKv D‡Ëvj‡bi mv‡_ mv‡_ wnmvewU eÜ
effec�ve at the �me of the claim. n‡q hv‡e| bwgbx wnmve cwiPvjbv Ki‡Z PvB‡j Zv‡K wbqgvbyhvqx bZzb wnmve Lyj‡Z n‡e|
31. In the event of the death of one or more customer(s) in joint account, the right of 30. MÖvn‡Ki g„Zy¨‡Z wnmv‡ei D‡ËvivaxKvi wba©vib, wnmv‡e Mw”QZ UvKvi cÖK…Z gvwjK
the survivor(s) to operate the account will be ceased unless such instruc�on is
present in the Applica�on Form. wba©viY Ges D³ wnmv‡ei cwiPvjbvi Rb¨ `vweKvjxb mg‡q cÖPwjZ Ges mswkøó AvBbbyhvqx

14
Nominee: Ges mg‡q mg‡q e¨vsK KZ…©K wbw`©ó wbqg Abyqvqx wba©vwiZ n‡e|
Individual Account holder can nominate a nominee to withdraw the remaining balance 31. †hŠ_ wnmv‡ei †ÿ‡Î GK ev GKvwaK MÖvn‡Ki g„Zy¨‡Z Aci e¨w³i wnmve cwiPvjbvi
of those Accounts a�er the death of the cons�tuents. The following documents as well ÿgZv ¯’wMZ _vK‡e hw` bv G msµvšÍ †Kvb wb‡`©k Av‡e`bc‡Î ewY©Z _v‡K|
as applica�on as per nomina�on must be submi�ed by the nominee at the �me of
withdrawal of the remaining balance of the concerned account. In such case, the bwgbxt
nominee is not required to produce succession cer�ficate issued by the Court.
e¨w³MZ wnmveavix/wnmveavixMY KZ©„K Zuvi ev Zuv‡`i g„Zz¨i ci RgvK…Z UvKv D‡Ëvj‡bi
1. Death cer�ficate of the Account holder. In case of death in the foreign land, Death Rb¨ bwgbx g‡bvbxZ Ki‡Z cv‡ib| wnmveavi‡Ki g„Zz¨i ci mswkøó wnmv‡ei RgvK…Z A_©
Cer�ficate signed by the Bangladesh Embassy of the concerned country has to be
D‡Ëvj‡bi Rb¨ bwgbx KZ©„K Zuvi/Zv‡`i Av‡e`b c‡Îi mv‡_ g‡bvbq‡bi ¯^c‡¶ cÖgvY ¯^iƒc
produced.
wb¤œwjwLZ KvMR-cÎ/`wjjvw` `vwLj Ki‡Z n‡e| G †¶‡Î bwgbx KZ©„K †KvU© cÖ`Ë mvK‡mkb
2. A cer�ficate in favour of the nominee issued by two valued customers or two
mvwU©wd‡KU `vwLj Kivi cÖ‡qvRb †bB|
officials of the Bank or Chairman of Union Parishad/City Corpora�on or Municipality’s
Ward Councilor. 1. wnmveavi‡Ki g„Zz¨RwbZ mb`cÎ| cÖev‡m g„Zz¨ n‡j mb`cÎ mswkøó †`‡k Aew¯’Z
evsjv‡`k `~Zvevm KZ©„K ¯^v¶wiZ n‡Z n‡e|
3. A�ested passport size photograph of nominee.
2. bwgbxi cwiwPwZi ¯^c‡¶ e¨vs‡Ki `yBRb m¤§vwbZ MÖvnK A_ev e¨vs‡Ki `yBRb Kg©KZ©v
4. Indemnity Bond to be signed by the nominee.
A_ev BDwbqb cwil` †Pqvig¨vb/wmwU K‡c©v‡ikb ev wgDwbwmc¨vwjwUi IqvW© KvDwÝji KZ©„K
AUTOMATED TALLER MACHINE (ATM)/DEBIT CARD: cÖ`Ë mb`cÎ|
i) The Bank may in its absolute discre�on issue card(s) to the account holders. However 3. bwgbxi cvm‡cvU© AvKv‡ii mZ¨vwqZ Qwe|
the card will remain the property of the Bank and it shall be surrendered 4. bwgbx KZ©„K Bb‡WgwbwU eÛ cÖ`vb|
uncondi�onally to the Bank at the �me of closing the account(s) or upon demand by
the Bank at any �me. A‡Uv‡g‡UW †Ujvi †gwkb (GwUGg)/†WweU KvW©
ii)The cardholder shall immediately no�fy the Bank 'of the loss or the� of a card or of 1| e¨vsK MÖvnK‡K KvW© Bmy¨ Kivi AwaKvi msiÿY K‡i| †WweU KvW© me mg‡qi Rb¨
unauthorized acquisi�on of the personal iden�fica�on number rela�ng to it and shall e¨vs‡Ki wbR¯^ m¤úwË wnm‡e MY¨ n‡e Ges MÖvnK Zvi wnmve e‡Üi mgq A_ev e¨vs‡Ki
accept full responsibility for all ATM or other transac�ons effected by use of a card. Pvwn`v †gvZv‡eK †h †Kvb mgq kZ©vnxbfv‡e e¨vs‡Ki wbKU Zv mgc©b Ki‡Z eva¨ _vK‡e|
COLLECTION OF CHEQUE / DRAFT / PAY ORDERS: The Bank will refuse to accept an
instrument for deposit through collec�on or internal transfer if the payee's name is not
2| MÖvnK Zvi †WweU KvW© nvwi‡q hvIqv, Pzwi hvIqv A_ev wc‡bi Aby‡gvw`Z e¨env‡ii
iden�cal to the name of the customer in the Bank's record. welqwU e¨vsK‡K ZrÿYvr AewnZ Ki‡e Ges G ai‡Yi Abyb‡gvw`Z †jb‡`‡bi `vqfvi
FOREIGN CHEQUES
MÖvnK KZ©„K enb Ki‡Z n‡e|
1. 'Foreign Cheque' means cheques in a foreign currency paid out of an account at a †PK/ WªvdU/ †c AW©vi Kv‡jKkbt e¨vs‡Ki bw_‡Z MÖvn‡Ki bv‡gi mv‡_ Af¨šÍixY n¯ÍvšÍi ev
Bank abroad (in countries other than Bangladesh).' msMÖ‡ni wbwg‡Ë M„wnZ BÝUªy‡g‡›Ui bv‡gi g‡a¨ Awgj _vK‡j e¨vsK H wW‡cvwRU BÝUª‡g›U
2. The exchange rate when conver�ng a foreign cheque in to BDT will be MÖnY Ki‡e bv|
I) Bank's standard exchnage rate for nego�a�ng cheques, on the day the cheque is d‡ib †PK
presented.
1| d‡ib †PK ej‡Z we‡`wk gy`ªvq cwi‡kvwaZ mswkøó ‡PK‡K eySvq|
II) Bank's standard exchnage rate for collec�ng cheques, on the day the payment from
the paying bank is received. 2| d‡ib †PK evsjv‡`kx UvKvi KbfvU© Kivi Rb¨ G·‡PÄ †iUt
III) Any costs or other obliga�ons as a result of nego�a�ng or collec�ng a foreign K. e¨vs‡Ki ÷¨vÛvW© G·‡PÄ †iU Gi wfwˇZ H w`‡bi nvi Abyhvqx n‡e|
ckeque shall be reimbursed by the account holder. L. Kv‡jKkb Gi †ÿ‡Î e¨vs‡Ki ÷¨vÛW© G·‡PÄ †iU Abyhvqx †cwqs e¨vsK †_‡K UvKv
INTERNATIONAL PAYMENTS cvIqvi w`‡bi nvi Abyhvqx n‡e|
I) Any payment it in a foreign currency in the account shall be converted into BDT
before it is credited to the Account. M. d‡ib †P‡Ki †bMwm‡qkb A_ev Kv‡jKkb Gi †ÿ‡Î †h ‡Kvb ai‡Yi LiP ev `vq MÖvnK
II) Bank’s standard exchange rate for buying the relevant currency applies on the day
KZ©„K enb Ki‡Z n‡e|
the Bank receives the payment. B›Uvib¨vkbvj †c‡g›U
lll) The payment shall be made in accordance with the Foreign Exchange Regula�ons 1| †Kvb wnmv‡e ˆe‡`wkK gy`ªv Rgv n‡j Rgvi c~‡e© Zv evsjv‡`kx UvKvq KbfvU© Ki‡Z n‡e|
Act 1947.
2| e¨vs‡Ki ÷¨vÛvW© G·‡PÄ †iU Gi gva¨‡g †Kvb ˆe‡`wkK gy`ªv µ‡qi †ÿ‡Î e¨vsK †mB
REVERSAL OF WRONGLY CREDITED AMOUNT: The Bank reserves the right to debit any
account without giving any informa�on to the customer that may have been
w`‡bi gy`ªv wewbgq nvi AbymiY Ki‡e|
inadvertently credited with an item / transac�on subsequently unpaid on collec�on or 3| gy`ªv cwi‡kva Aek¨B d‡ib G·‡PÄ †i¸‡jkb G±-1947 Abyhvqx cÖ‡hvR¨ n‡e|
detected to be a wrong entry.
fzjµ‡g †µwWU nIqv †WweU Kivt fzjµ‡g †Kvb MÖvn‡Ki wnmv‡e †µwWU nIqv A_© mbv³
INTEREST PAYMENT: Bank shall provide interest if the average minimum balance nIqv gvÎ †h †Kv‡bv mgq e¨vsK mswkøó MÖvn‡Ki wnmve n‡Z †WweU K‡i wb‡Z cvi‡e|
should be maintained by the customer as per bank decision.
my` cÖ`vbt e¨vsK KZ©„K wba©vwiZ gvwmK b~b¨Zg Gfv‡iR e¨v‡jÝ wnmv‡e ivL‡Z n‡e|
DORMANCY - UNCLAIMED ACCOUNT
a) Current Accounts being in inopera�ve for one year will be transferred to Dormant myß ev Av`vexK…Z wnmve
status. 1. Kv‡i›U GKvD›U †jb‡`b 1 eQi eÜ _vK‡j Zv myß (Wi‡g›U) wnmv‡e MY¨ n‡e|
b) Savings Accounts being in inopera�ve for two years will be transferred to Dormant
Status. 2. †mwfsm GKvD‡›U 2 eQi †jb‡`b bv n‡j Zv myß wnmve e‡j MY¨ n‡e|
c) (As per Clause 35 of Banking Company Act 1991) Accounts will be transferred to 3. e¨vsK †Kv¤úvwb AvBb-1991 Gi 35 aviv e‡j 10 ermi ci GKvD›U Avb‡K¬BgW wnmv‡e
Unclaimed account status a�er 10 (ten) years if there has been no transac�on in the MY¨ n‡e hw` D³ GKvD‡›U MÖvnK KZ©„K †Kvb cÖKvi †jb‡`b bv nq|
said account by the customer.
d) No transac�on is allowed in the Dormant account unless the account holder(s) apply 4. MÖvn‡Ki GKvD›U wbqwgZKi‡Yi wjwLZ Av‡e`b Qvov, myß (Wi‡g›U) GKvD‡›U †Kvb
to NRBBL in wri�ng to regularize the status of account. ai‡Yi †jb‡`b MÖvnY‡hvM¨ n‡e bv|
SHORT NOTICE DEPOSIT: 7 days prior no�ce is required to withdraw fund. The rate of ¯^í †bvwU‡ki AvgvbZ (wW‡cvwRU)t Znwej D‡Ëvj‡bi Rb¨ 7 w`‡bi AwMÖg †bvwUk wb‡Z
interest on Short No�ce Deposit is subject to change from �me to �me. n‡e| my`/gybvdvi nvi cwieZ©b †hvM¨|
CONFIDENTIALITY AND DISCLOSURE OF INFORMATION: Bank will maintain Z‡_¨i †MvcbxqZv I Z_¨ cÖKvkt e¨vsK Avwg/Avgvi wnmvemg~‡ni Z‡_¨i †MvcbxqZv iÿv
confiden�ality in respect of my/our accounts. However, Bank is at liberty to
provide/exchange informa�on upon advice from court of law or any regulatory
Ki‡Z n‡e Z‡e AvBb ev Av`vj‡Zi wb‡`©kbv †gvZv‡eK ev wbqš¿YKvix ms¯’v, cwi`k©b
authori�es and also for the official purpose of its own. ms¯’vi cÖ‡qvR‡b Z_¨ cÖ`vb Kiv hv‡e| e¨vsK Zvi wbR¯^ cÖ‡qvR‡b Z_¨ Av`vb cÖ`vb Ki‡Z
INDEMNITY: I also agree to fully indemnify the Bank against all costs and expenses
cvi‡e|
(including legal fees) arising in any way in connec�on with the above accounts, these `vqgyw³t Dc‡iv³ GKvD›U, G mKj kZ©vejx cÖ‡qvM Ges e¨vs‡Ki e‡Kqv cybiæ×vi Kivi
terms and condi�ons or, in enforcing these terms and condi�ons and in recovering of Rb¨ e¨vsK KZ©„K cÖ‡`q mswkøó me LiP (AvBbx LiPmn) †_‡K e¨vsK‡K m¤ú~Y©fv‡e `vqgy³
any amount due to the Bank of incurred by the Bank in any legal proceedings of
Ki‡Z m¤§Z njvg|
whatever nature.
NEGLIGENCE/FAULT: The Bank shall not be held liable for any negligent act or Ae‡njv/ÎæwUt MÖvn‡Ki Ae‡njv A_ev fz‡ji Kvi‡Y †Kvb Abyb‡gvw`Z †jb‡`b msNwUZ n‡q
omission of the account holder or any fault commi�ed on the part of the _vK‡j G‡ÿ‡Î e¨vsK †Kvbfv‡e `vqx _vK‡e bv|
accountholder which culminated any unauthorised transac�on of any nature. cÖPwjZ AvBbt cª`Ë wbq‡g bxwZ/kZv©ejx evsjv‡`‡k cÖPwjZ AvB‡b cwiPvwjZ Ges cÖ‡qvM
GOVERNING LAW: These terms and condi�ons shall be governed by and construed in Kiv n‡e|
accordance with, the laws of Bangladesh.

15
gvwbjÛvwis cÖwZ‡iva AvBb I mš¿vm we‡ivax AvBbt
1. †`‡k A‰ea m¤ú` AvniY eÜKiY I m¤ú‡`i A‰ea cvPvi †iv‡a gvwbjÛvwis cÖwZ‡iva AvBb, 2012 I (ms‡kvab) 2015 Ges
mš¿vm we‡ivax AvBb 2009, 2012 I 2013 (ms‡kvab) Rvwi nBqv‡Q|
2. D³ AvBb weGdAvBBD Gi mvwe©K ZË¡veav‡b e¨vsK I Avw_©K cÖwZôvb mg~‡ni gva¨‡g ev¯ÍevwqZ nB‡Z‡Q|
3. ˆea I A‰ea cš’vq cÖZ¨¶ ev c‡iv¶fv‡e AvnwiZ ev AwR©Z m¤ú‡`i A‰ea cš’vq n¯ÍvšÍi, iæcvšÍi, Ae¯’v‡bi †MvcbKiY ev D³
Kv‡R mnvqZv RvZxq ¯^v‡_©i cwicwš’|
4. ûwÛ Kvh©µg †`‡ki A_©bxwZi Rb¨ ¶wZKi| ûwÛi gva¨‡g A_© †cÖiY, A_© MÖnY Ges ûwÛi Kv‡R mnvqZvKiY gvwbjÛvwis cÖwZ‡iva
AvB‡b kvw¯Í‡hvM¨ Aciva|
5. Dc‡i ewY©Z A‰ea Kvh©vejx m¤úv`‡b A‡bK †¶‡Î e¨vsK mg~n Amr‡jvK KZ©„K e¨eüZ nq| myZivs e¨vs‡K GKvD›U †Lvjv, UvKv
cvVv‡bv I MÖvnK cwiwPwZ m¤úwK©Z mwVK Ges c~Y©v½ Z_¨ mieivn msi¶‡Y AwaKZi I Zrci nBqv KZ©„c¶‡K mn‡hvwMZv Kiæb|
6. A¯^vfvweK †jb‡`b RwbZ Kvi‡Y m‡›`n ¯’vwcZ nB‡j weGdAvBBD †h †Kvb GKvD‡›Ui †jb‡`b cix¶v wbix¶v Kwi‡Z cv‡i| A‰ea
†jb‡`b cÖgvwbZ nB‡j cÖ‡qvR‡b Av`vj‡Z gvgjv `v‡qi Kiv hvB‡Z cv‡i Ges GB AvB‡bi Aax‡b mKj Aciva ARvwgb †hvM¨|
7. Av`vjZ gvwbjÛvwis cÖwZ‡iva AvB‡bi Aax‡b Aciv‡ai Rb¨ wba©vwiZ `Û Av‡ivc Ges Dchy³ †¶‡Î Z`šÍv‡`k, Aeiæ×KiYv‡`k,
†µvKv‡`k, A_© `Û Ges ¶wZc~iY Av‡`kmn Ab¨vb¨ Av‡`k cÖ`vb Kwi‡Z cv‡i| GB †¶‡Î Acivax Ab~¨b 4 (Pvi) eQi Ges AbwaK
12 (evi) eQi Kviv`‡Û `wÛZ n‡eb Ges Gi AwZwi³ Aciv‡ai mwnZ mswkøó m¤úwËi wظY g~‡j¨i mgcwigvY A_©`Û ev 10 jÿ
UvKv ch©šÍ, hv AwaK, A_©`‡Û `wÛZ nB‡eb| GB avivi Aax‡b †Kvb mËv gvwbjÛvwis Aciva Kwi‡j mswkøó g~‡j¨i Ab~¨b wظY A_ev
20(wek) jÿ UvKv, hvnv AwaK nq, Rwigvbv Kiv hv‡e Ges D³ cÖwZôv‡bi wbeÜb evwZj‡hvM¨ n‡e|
8. mš¿vm we‡ivax AvB‡bi Aax‡b †Kvb e¨w³ mš¿vmx Kvh© A_©vq‡b †`vlx mve¨¯Í n‡j, Av`vjZ Zvnv nB‡j Zv‡K AbyaŸ© 20(wek) I Ab~¨b
4(Pvi) eQi mkÖg Kviv`‡Û `wÛZ Kwi‡Z cvwi‡e Ges Dnvi AwZwi³ Aciv‡ai mwnZ mswkøó m¤úwËi g~‡j¨i wظY cwigvY A_© ev
10 (`k) jÿ UvKv, hv AwaK, A_©`Û Av‡ivc Kwi‡Z cvi‡e| Awfhy³ mËv (cÖwZôvb) Gi †ÿ‡Î Aciv‡ai mwnZ mswkøó m¤úwËi
g~‡j¨i wZb¸Y cwigvY A_©`Û ev 50 (cÂvk) jÿ UvKv, hv AwaK, `Û Av‡ivc Kiv hvB‡e| mswkøó D³ cÖwZôv‡bi cÖavb Gi weiæ‡×
Ab~aŸ© 20 (wek) eQi I Ab~¨b 4 (Pvi) eQi mkªg Kviv`Û Ges Dnvi AwZwi³ D³ Aciv‡ai mwnZ m¤ú„³ m¤úwË g~‡j¨i wظY
cwigvY A_© ev 20 (wek) jÿ UvKv, hvnv AwaK, A_©`Û Av‡ivc Kiv hvB‡e|

gvwbjÛvwis cÖwZ‡iva AvBb, 2012 I (ms‡kvab) 2015 Ges mš¿vm we‡ivax AvBb 2009, 2012
I 2013 (ms‡kvab) ev¯Íevq‡b mn‡hvwMZv Kiæb|

evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU KZ©„K RvwiK…Z|

Signature of the First Applicant Signature of the Second Applicant Signature of the Third Applicant Signature of the Fourth Applicant
1g Av‡e`bKvix KZ©„K ¯^vÿi 2q Av‡e`bKvix KZ©„K ¯^vÿi 3q Av‡e`bKvix KZ©„K ¯^vÿi 4_© Av‡e`bKvix KZ©„K ¯^vÿi
Name / bvg : Name / bvg : Name / bvg : Name / bvg :

Date / ZvwiL : Date / ZvwiL : Date / ZvwiL : Date / ZvwiL :

16
 OPERATIONS DIVISION, CHO, WILL USE ONLY

Par�culars ID Singature Date

Document Received

Photo & Sign Caputre

Document Checked

Return UAOF check

Processing Maker Processing Checker

ID Singature ID Singature
KYC

Photo & Signatrure Upload

CIF

CUSAC

CIF (Others)

Doc Scaned

Archieved

Discrepany

r A/C Holder’s name differ with NID/Passport/Birth Cer�ficate

r A/C Holder/Nominee - NID verifica�on copy require
r Photograph a�esta�on (half photograph & half cer�ficate) is required in the Birth cer�ficate by a reputed person.
r A/C Holder/Nominee Father’s/Mother’s/Spouse name differ with NID / Passport / Birth Cer�ficate / NID verifica�on.
r A/C holder’s photo Verifica�on Required by Introducer/Branch Staff
r Photo / Photo ID Req. of A/C Holder / Nominee.
r A/c Holder / Nominee English and Bengali name spelling Missing/Mismatch
r A/C Holder/ Guardian/ Beneficiary owner’s source of fund/KYC Require
r Present Address proof Req.
r Introducer sign missing/ Verify Missing/ Verify by same person
r Nominee name differ with NID/Passport/Birth Cer�ficate/NID verifica�on.
r Nominee photo Verifica�on Req. by A/c Holder / Branch Staff
r SBS/ FATCA/ Check list sign req.
r E-TIN Cer�ficate Req.
r TP / KYC Properly Fill-up req.
r Account Opening Officer & BAMLCO seal and sign req. in KYC
r De-dupe/Sanc�on screening req.
r B M signature required in the AOF.
r Sanc�on screening is done with wrong informa�on.
r Source of fund related documents missing.
r Signature required in the marking area of AOF.
r Signature admi�ed seal & sign require
r Others
NRB Bank Limited
Corporate Head Office: Simpletree Anarkali (1st Floor), 89 Gulshan Avenue, Gulshan-1, Dhaka-1212, Bangladesh.
Tel: +88 09666 456000, E-mail: callcenter@nrbbankbd.com, Web: www.nrbbankbd.com