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

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