Saadiq Personal/Premium

Account Opening Form

 Personal Account Opening Form
Please complete all details in CAPITAL letter and strike out the non-applicable fields/boxes

Date Organisation’s Name:

Account Number Monthly Income:

Unique Customer ID Code Source of Fund:

(Bank use only)
eTIN Number (if any):
Standard Chartered Bank
Branch Contact Information:
I/We are applying to open an account in your branch/bank. My/Our
Present Address:
account-related and personal details are provided below:
Segment: Personal Premium
Apartment: House No.: Street:
1 Account Related Information
Post Code: Upazila/Thana: District:
If your Present Address is the same as your Permanent Address, then you do not have to fill up the
Account Title in Bangla: permanent address section below.

Account Title in English:

Permanent Address:
Type of Account:
Saadiq Savings Saadiq eSavers Saadiq Current
Saadiq Graduate Saadiq Super Savers Premium Apartment: House No.: Street:
Saadiq Hajj Savers Others
Post Code: Upazila/Thana: District:
Currency: Taka
Mailing Address: Present Address Permanent Address
Mode of Operation: Singly Jointly Anyone Either/Survivor
Phone No.:
Amount of Initial Deposit (in digits):
(in words) Mobile No.:

Purpose of Opening Account: E-mail:

Identification Document:
2 Applicant’s Personal Information1
(a) National Identification (NID) No.:
Name of Accountholder in Bangla: For adult Resident Bangladesh Nationals
Name of Accountholder in English: OR
Date of Birth: D D / M M / Y Y Y Y (b) Passport No./Birth Certificate Registration No./Other2
(Please specify):
Country of Birth:
Place of Birth:

Please check “√ ” Yes or No for each of the following Date of Issue:

questions:
Yes/No
1. Are you a U.S. Resident? Expiry Date:
2. Are you a U.S. Citizen?
3. Are you holding a U.S. Permanent Resident Card Country of Issuance:
(Green Card)?
I hereby confirm the information provided above is true, accurate and complete. Subject to Introducer Information (applicable only for customers who
applicable local laws, I hereby consent for Standard Chartered PLC or any of its affiliates
(collectively ‘‘the Bank’’) to share my information with domestic and overseas tax authorities do not have NID):
where necessary to establish my tax liability in any jurisdiction.

Name of Introducer:
Father’s Name:
Mother’s Name: Account No. (if any):
Husband/Wife’s Name:
NID No.:
Nationality (Please mention all your nationalities) :
(For foreign national, copy of valid passport with VISA has to be mandatorily collected.)
Date of Birth:
a. b. c.
Gender:
Residence Status: Resident Non-Resident
Signature Date
Where applicable, Bangladesh Bank’s Guidelines on Foreign Exchange Transactions has to
January 2021 V1

be followed 1
If there are multiple accountholders, or the accountholder is a minor, the personal information
Occupation (with Designation): of the additional accountholders, or the guardian of the minor accountholder (Father, Mother
or any other Legal Guardian) must be added individually with the second section.
Work Type: 2
Only the identification document relevant for financial inclusion products are
Salaried (Controller/Owner/Director) Salaried Self-Employed acceptable by the bank

Homemaker Student Unemployed Retired (For Non-Resident Bangladeshi, copy of valid passport is mandatory)
1 of 15
 3 Nominee(s)3 Related Information 4 Information Specific to Credit Cards

Number of Nominee(s): This section is Applicable for only First Applicant.

Select Your Choice of Card :

Account Number:
(Bank Use Only)
Saadiq Visa Platinum Saadiq Visa Gold

I/We hereby nominate the following person(s) to receive the fund of this Your name, as you would like it on the card
account after my/our death. I/We reserve the right to cancel/amend this (leave one space between names, do not use title and nick name, with spaces maximum 19
nomination at any time using appropriate forms and giving at least 30 days characters allowed):
lead time to the Bank. I/We further declare that the Bank will not be liable for
any payment affected according to my/our instruction. This nomination will
be applicable for all existing and future accounts with and services from your
Bank, unless otherwise specified by me/us. I/We further agree that the Bank
will make payments as per my/our instruction and if the payment is made, all Residence Type (ownership of residence):
its obligations in respect of the fund concerned shall be deemed fulfilled.
Owned/Family Owned Rented Company provided

Nominee Details: Educational Qualification

Post Graduate Graduate HSC Other
Name:

Date of Birth: D D / M M / Y Y Y Y Standing Instruction (Mandatory)

Present Address: Yes, I would like to have my Account automatically debited each
month for payment of my credit card dues as follows:

*Monthly Payment % Minimum amount Due

% of current balance
Percentage (%) nominated for:
Note: *If this is left blank, your account will be debited for the Minimum Amount Due.
*Conditions apply (as stated in Credit Card Terms & Conditions)
Relationship with Accountholder:

NID No./Passport No./Birth Certificate Registration No./Other Card Cheque Application

(Please specify):

Please supply one (1) Cheque Book:

In case the nominee is minor, information on the individual who will receive Yes
the money as per section 103 (2) of The Bank Company Act, 1991 in the event
of death of the account holder(s) where the nominee still remains a minor: *Note: First Cheque Book of 10 leaves at free of cost

Name: Mailing Instructions for Card delivery

Your Card will be delivered to your Present Address (address as

Permanent Address: mentioned in this Application Form)
Please be informed that if we are unable to deliver your Card at your
mailing address, the Card may be forwarded to your preferred branch.
Please mention your preferred branch for Card delivery:
NID No./Passport No./Birth Certificate Registration No./Other
(Please specify):

Relationship with Nominee:

3If there are multiple nominees, each nominee’s personal information has to be recorded

separately in Section 3 or as an enclosure with Section 3.

05 Information on your other bank accounts/Other Finance Accounts/Other Credit Card

Type of Account operated (Please Tick)
Bank and Branch Name
Deposit Account Finance Account Credit Card
January 2021 V1

2 of 15
 MOST IMPORTANT DOCUMENT/MÖvnK m¤§wZcÎ Customer Copy/Kv÷gvi Kwc
(For Personal Account opening only/ïaygvÎ cv‡m©vbvj GKvD›U I‡cwbs‡qi †ÿ‡Î cÖ‡hvR¨)
(Please read and sign to confirm that all information relevant to your Bank Account has been provided to you at the time of Account opening)/wb‡¤œ ewY©Z Z_¨mg~n
AbyMÖn K‡i c‡o Ges ¯^vÿi K‡i wbwðZ Kiæb †h, Avcbvi GKvD›U †Lvjvi mgq GKvD›U mswkøó mg¯Í Z_¨ m¤ú‡K© Avcwb AeMZ Av‡Qb)
Accountholder’s Declarations: I confirm that I have understood & agreed with all the following product features
GKvD›U‡nvìv‡ii †NvlYv: Avwg wbwðZ KiwQ †h, wb‡¤œ cÖ`Ë †cÖvWv‡±i mKj welq Avwg AeMZ n‡qwQ I m¤§wZ Ávcb KiwQ
I agree with the weightage applicable for my Saadiq Savings/Saadiq eSavers/Saadiq Super Savers Premium/Saadiq Graduate Account/Term Account/Saadiq Hajj
Savers/Saadiq MortgageOne Savings Account which is available at StanChart branch and profit accrual in my account will start from the date of account opening.
e¨vsK KZ©…K †NvwlZ ZvwjKv Abyhvqx Avgvi mvw`K †mwfsm/mvw`K B-†mfvim/mvw`K mycvi †mfvim wcÖwgqvg/mvw`K MÖ¨vRy‡qU GKvD›U/†gqv`x GKvD›U/mvw`K nR¡ †mfvim/mvw`K gU©‡MR-Iqvb †mwfsm GKvD›U-Gi
cÖ‡hvR¨ gybvdvi Zyjbvg~jK aviYv m¤ú‡K© Avwg AeMZ AvwQ Ges GKvD›U †Lvjvi ZvwiL †_‡K Avgvi GKvD‡›Ui gybvdv MYbv ïiæ Kiv n‡e|
Fees & Charges: Fees and charges have been explained to me & I have read and understood the latest Saadiq Schedule of Charges.
wd I PvR©mg~n: wd I PvR©mg~n Avgv‡K we¯ÍvwiZ Rvbv‡bv n‡q‡Q Ges mv¤úªwZK mvw`K PvR©mg~‡ni ZvwjKv Avwg c‡owQ I eyS‡Z †c‡iwQ|
Ancillary Products: I understand that Phone Banking (Telephone Identification Number), SMS Banking and Saadiq Debit Card are bundled with my Account
and The Bank shall deduct charges as applicable for such services.
mnvqK †cÖvWv±mg~n: Avwg AeMZ AvwQ †h, †dvb e¨vswKs †Uwj‡dvb AvB‡Ww›Uwd‡Kkb bv¤^vi), GmGgGm e¨vswKs Ges mvw`K †WweU KvW© Avgvi GKvD‡›U AšÍ©f~³ n‡e Ges e¨vsK G msµvšÍ h_vh_ PvR© Av`vq Ki‡e|
Turnaround time: I understand that it may require minimum two working days to deliver my Debit Card and Chequebook.
Uvb©A¨vivDÛ UvBg: Avwg AeMZ AvwQ †h, Avgvi †WweU KvW© I †PKeB †c‡Z Kgc‡ÿ 2wU Kg©w`em mgq jvM‡e|
Declaration of the Bank: I understand that the weightages applicable for my Saadiq Savings/Saadiq eSavers/Saadiq Super Savers Premium/Saadiq Graduate
Account/Term Account/Saadiq Hajj Savers/Saadiq MortgageOne Savings Account, as well as the fees and charges may change from time to time at the sole
discretion of Standard Chartered Bank by displaying a notice of such effect at the branch and/or by any other reasonable means of notification of such changes. I
shall be deemed to have accepted such changes if the Bank does not receive any notice to the contrary from me within 3 days from the issuance of such notice.
e¨vsK-Gi GLwZqvi: Avwg AeMZ AvwQ †h, Avgvi mvw`K †mwfsm/mvw`K B-†mfvim/mvw`K mycvi †mfvim wcÖwgqvg/mvw`K MÖ¨vRy‡qU GKvD›U/†gqv`x GKvD›U/mvw`K nR¡ †mfvim/mvw`K gU©‡MR-Iqvb †mwfsm
GKvD›U-Gi gybvdv wKsev wd I PvR©mg~n ÷¨vÛvW© PvU©vW© e¨vsK-Gi GKK wm×v‡šÍ †h †Kvb mgq cwieZ©b n‡Z cv‡i hv eªv mg~‡n cÖ`wk©Z n‡e A_ev Ab¨ †h †Kvb gva¨‡g Avgv‡K Rvbv‡bv n‡e| D³ †bvwUk cÖ`v‡bi
wZb w`‡bi g‡a¨ G msµvšÍ †Kvb AvcwË DÌvwcZ bv n‡j mKj kZ©vejx MÖnY‡hvM¨ I cÖ‡hvR¨ e‡j MwYZ n‡e|
I/We hereby declare that I/we agree to have my/our security items (viz. Chequebook, Internet Banking PIN, Debit Card and other security items) delivered
to my/our mailing address and also understand that Debit Card will be delivered in deactivated status for security reason.
Avwg/Avgiv †NvlYv KiwQ †h, Avgvi/Avgv‡`i e¨vsK m¤úwK©Z wmwKDwiwU AvB‡Ug mg~n (†hgb, †PKeB, B›Uvi‡bU e¨vswKs wc.AvB.Gb, †WweU KvW© I Ab¨vb¨ wmwKDwiwU AvB‡Ug mg~n) e¨vsK KZ…©K Avgvi/Avgv‡`i
†hvMv‡hv‡Mi Rb¨ wbewÜZ wVKvbvq cvVv‡Z ivwR AvwQ Ges AviI AeMZ AvwQ †h, †WweU KvW© wbivcËvi ¯^v‡_© wbw¯Œq Ae¯’vq Avgvi wVKvbvq cvVv‡bv n‡e|
I agree that I can apply for the Graduate Account between the age of 18 to 26. Upon reaching the age of 26, my account will be converted to eSavers
Account. I also agree that I need to submit a photocopy of my valid student ID card and show my original student ID card for verification purpose.
Avwg m¤§wZ cÖKvk KiwQ †h, MÖ¨vRy‡qU GKvD›U-Gi Rb¨ Av‡e`bKv‡j Avgvi eqm 18 †_‡K 26 eQ‡ii AšÍeZ©x n‡Z n‡e| Avgvi eqm 26 eQi c~Y© nIqv gvÎB Avgvi MÖ¨vRy‡qU GKvD›UwU B-†mfvim GKvD›U wn‡m‡e
cwiewZ©Z n‡e| Avwg AeMZ AvwQ †h, Av‡e`b Kivi Rb¨ Avgv‡K KvhK©i I ˆea ÷z‡W›U AvBwW Kv‡W©i d‡UvKwc Rgv w`‡Z n‡e Ges wPwýZKiY I hvPvBKi‡Yi Rb¨ Avmj AvBwW KvW©wU cÖ`k©b Ki‡Z n‡e|
If there is no transaction initiated by me for 2 years in case of Savings Account and 1 year in case of Current Account then the account will be classified as
‘Dormant’.
mÂqx wnmv‡ei †ÿ‡Î 2 eQi Ges PjwZ wnmv‡ei †ÿ‡Î 1 eQi Avgvi Øviv †Kvb †jb‡`b bv n‡j wnmve ÔWi‡g›UÕ e‡j MY¨ n‡e|
Profit application/gybvdv A¨vwcø‡Kkb: I understand that/Avwg AeMZ AvwQ †h,
Profit in my Saadiq Super Savers Premium/Saadiq Graduate Account will be accrued on monthly average balance and applied on monthly basis.
Avgvi mvw`K mycvi †mfvim wcÖwgqvg/mvw`K MÖ¨vRy‡qU GKvD›U-Gi gybvdv MYbv Kiv n‡e gvwmK A¨vfv‡iR e¨v‡j‡Ýi wfwˇZ Ges cÖ`vb Kiv n‡e gvwmK wfwˇZ|
Profit in my Saadiq Savings/Saadiq eSavers/Saadiq Hajj Savers/Saadiq MortgageOne Savings Account will be accrued on monthly average balance and
applied on quarterly basis.
Avgvi mvw`K †mwfsm/mvw`K B-†mfvim/mvw`K nR¡ †mfvim/mvw`K gU©‡MR-Iqvb †mwfsm GKvD›U-Gi gybvdv MYbv Kiv n‡e gvwmK A¨vfv‡iR e¨v‡j‡Ýi wfwˇZ Ges cÖ`vb Kiv n‡e ˆÎgvwmK wfwˇZ|
My Saadiq Savings/Saadiq eSavers/Saadiq Super Savers Premium/Saadiq Graduate Account/Term Account/Saadiq Hajj Savers/Saadiq MortgageOne
Savings Account are based on the principles of Mudaraba. In-line with the rules of Islamic Shariah in case the Mudaraba Asset incurs a loss, I will have to
bear this loss in the ratio of my share in the Mudaraba.
Avgvi mvw`K †mwfsm/mvw`K B-†mfvim/mvw`K mycvi †mfvim wcÖwgqvg/mvw`K MÖ¨vRy‡qU GKvD›U/†gqv`x GKvD›U/mvw`K nR¡ †mfvim/mvw`K gU©‡MR-Iqvb †mwfsm GKvD›U gy`vivevi bxwZgvjvi Dci cÖwZwôZ|
Bmjvgx kixqvn-Gi Av‡jv‡K, hw` gy`vivevi mÂqx e¨e¯’vcbvi †Kvb ¶wZ nq, Avwg †mB ¶wZ Avgvi As‡ki Abycv‡Z enb Ki‡ev|

Applicable for Employee Banking/Ggcøwq e¨vswKs Gi Rb¨ cÖ‡hvR¨

I agree that if the Salary is not credited/deposited in my account for six (6) consecutive months, the Bank will have the right to de-enroll me from the
Payroll Banking benefits at any point in time.
GKvav‡i Qq (6) gvm Avgvi †eZb GB GKvD‡›U Rgv bv n‡j, e¨vs‡Ki GLwZqvi Abyhvqx †c‡ivj e¨vswKs myweavw` GB GKvD‡›U cÖ‡hvR¨ n‡e bv|
Credit reversal or refunds of salary from the payroll accounts will be done based on the instruction from the employer if there is an erroneous instruction
from the employer.
fzjekZ m¨vjvix GKvD‡›U †eZb Rgv n‡j Zv cÖZ¨vc©‡Yi Rb¨ Avgvi wb‡qvMKZ©vi BÝvUªvKkb cÖ‡hvR¨ n‡e|

Special features applicable only for Saadiq eSavers Account/ïaygvÎ mvw`K B-†mfvim GKvD‡›Ui Rb¨ cÖ‡hvR¨ we‡kl Z_¨mg~n:
Usage of Alternate Channels*: I understand that for Saadiq eSavers Account, all transactions are supposed to be carried out through the Alternate
Channels of Standard Chartered Bank.
Aëvi‡bU P¨v‡bjmg~‡ni e¨enviwewa*: Avwg AeMZ AvwQ †h, mvw`K B-†mfvim GKvD›U-Gi Rb¨ mg¯Í †jb‡`b ÷¨vÛvW© PvU©vW© e¨vsK-Gi Aëvi‡bU P¨v‡bjmg~‡ni gva¨‡g Kiv eva¨Zvg~jK|
Chequebook: “Account Payee Only” pre printed Chequebook is available for Saadiq eSavers Account. (no bearer or cash withdrawal is allowed through
this cheque)
†PKeB: mvw`K B-†mfvim GKvD‡›Ui Rb¨ ÒGKvD›U †cwq IbwjÓ wcÖ-wcÖ‡›UW †PKeB cvIqv hv‡e| (GB †P‡Ki gva¨‡g bM` D‡Ëvjb wKsev evn‡Ki gva¨‡g †jb‡`b MÖnY‡hvM¨ bq)

I understand that I will be able to enjoy the benefits of a Credit Card and/or Personal Finance along with my account as part of Easy/Employee Banking
Value Pack subject to fulfilment of the Bank’s Credit norms. The annual fees for this Card and Processing fee for Personal Finance will be discounted as
appropriate. The activation, usage and retention of this Card will be solely at my discretion.
Avwg AeMZ AvwQ †h, e¨vs‡Ki FY bxwZgvjv c~iY mv‡c‡ÿ Avgvi e¨vsK GKvD‡›Ui cvkvcvwk BwR A_ev Bwe f¨vjy c¨v‡KR Ask wn‡m‡e Avwg GKwU †µwWU KvW©/cv‡m©vbvj dvBbv‡Ýi myweav Dc‡fvM Kie| Kv‡W©i
†ÿ‡Î n«vmK…Z evwl©K wd Ges cv‡m©vbvj dvBbv‡Ýi †ÿ‡Î n«vmK…Z cÖ‡mwms wd h‡_vchy³ fv‡e cÖ‡hvR¨ n‡e| KvW© mwµqKiY, e¨envi Ges Pvjy ivLv Avgvi we‡ePbvaxb n‡e|

I/we understand and also agree that I/we will duly notify the bank regarding departure from Bangladesh and I/we agree that my/our account shall be marked
as Non Resident Taka (NRT) account from the date specified on the notification. I understand this NRT marking will have consequences of restricting several
January 2021 V1

types of transaction as per applicable laws of Bangladesh. Similarly I/we will duly notify the bank regarding arrival in Bangladesh from abroad on
temporary/permanent basis and I/we agree that my/our account shall be marked as Resident from the date specified on the notification.
Avwg/Avgvi AeMZ AvwQ Ges m¤§Z n‡qwQ †h Avwg/Avgiv evsjv‡`‡ki evB‡i hvevi c~‡e© h_vh_ fv‡e Avgvi/Avgv‡`i hvÎvi ZvwiL e¨vsK-‡K AewnZ Kie| DcišÍ Avwg/Avgiv AeMZ AvwQ †h, e¨vsK-†K AewnZ
*Conditions apply / *kZ© cÖ‡hvR¨

Kivi ZvwiL †_‡K Avgvi/Avgv‡`i A¨vKvD›UwU cÖevmx (NRT) wn‡m‡e MY¨ n‡e Ges evsjv‡`‡ki we`¨gvb AvBb Abyhvqx cÖevmx G¨vKvD‡›U wewfbœ †jb‡`‡bi mxgve×Zv Av‡Q| GKBfv‡e Avwg/Avgiv AeMZ AvwQ
†h, Avwg/Avgiv †`‡k †divi ci e¨vsK-†K Avgvi/Avgv‡`i evsjv‡`‡ki cÖZ¨veZ©‡bi ZvwiL AewnZ Kie Ges GKvD›UwU wbevmx (Resident) wn‡m‡e we‡ewPZ n‡e D³ cÖZ¨veZ©‡bi welqwU e¨vsK-†K AewnZ
Ki‡Yi ZvwiL †_‡K|
Special features applicable only for Saadiq Hajj Savers/ïaygvÎ mvw`K nR¡ †mfvim GKvD‡›Ui Rb¨ cÖ‡hvR¨ we‡kl Z_¨mg~n:
1. I am aware that I need to set up a Standing Order (SO) at the time of opening Saadiq Hajj Savers Account and choose monthly amount and tenor at my discre-
tion. (Minimum tenor six months and maximum tenor is five years)/Avwg AeMZ AvwQ †h, mvw`K nR¡ †mfvim GKvD›U †Lvjvi mgq Avgv‡K GKwU ÷¨vwÛs AW©vi (GmI) ¯’vcb Ki‡Z n‡e Ges
Avgvi wm×všÍ Abyhvqx gvwmK cwigvY I †gqv` DËx‡Y©i ZvwiL wba©vwiZ n‡e| (b~¨bZg †gqv` 6 gvm I m‡e©v”P †gqv` 5 eQi)
2. I understand that Chequebook and Debit card are not applicable for Saadiq Hajj Savers Account/Avwg AeMZ AvwQ †h, mvw`K nR¡ †mfvim GKvD‡›Ui Rb¨ †PK eB I †WweU KvW©
cÖ‡hvR¨ bq|
3. I understand that I may set up only one SO, per Saadiq Hajj Savers Account/Avwg AeMZ AvwQ †h, mvw`K nR¡ †mfvim GKvD‡›Ui Rb¨ Avwg GKwU gvÎ GmI ¯’vcb Ki‡Z cvi‡ev|
4. I understand, in case of closure before maturity, I have to close the account and the fund will be transferred to my transactional account. Partial withdrawal is
not allowed in Hajj Savers Account/Avwg AeMZ AvwQ †h, †gqv` †kl nIqvi Av‡M GKvD›UwU eÜ Kivi †¶‡Î Avgvi GKvD‡›Ui dvÛ Uªvb‡RKkbvj GKvD‡›U UªvÝdvi n‡e| nR¡ †mfvim GKvD›U-G AvswkK
dvÛ D‡Ëvj‡bi my‡hvM †bB|
5. I understand, for early closure of Hajj Savers Account before SO maturity, no profit will be forfeited/Avwg AeMZ AvwQ †h, ÷¨vwÛs AW©v‡ii †gqv` †k‡li Av‡M nR¡ †mfvim GKvD›U
eÜ Ki‡j gybvdv‡Z †Kvb ¶wZ n‡ebv|
6. I understand, based on the purpose of this account, the Bank has set a maximum deposit limit of BDT 50 lac. Any additional amount in Hajj Savers Account
over this limit will be reversed back to my account from where SO has been set/Avwg AeMZ AvwQ †h GB GKvD‡›Ui D‡Ïk¨ Abyhvqx e¨vsK m‡e©v”P wW‡cvwR‡Ui cwigvY 50 j¶ UvKv avh©
K‡i‡Q| Gi AwZwi³ †h †Kvb cwigvY GmI wba©viYKvix g~j GKvD›U-G †diZ hv‡e|
7. I understand, Hajj Savers Account can also be used for the purpose of Umrah/Avwg AeMZ AvwQ †h, nR¡ †mfvim GKvD›U †mevwU Dgivni D‡Ï‡k¨I e¨envi Kiv †h‡Z cv‡i

Saadiq Schedule of Charges (Abridged)/mvw`K PvR©mg~‡ni ZvwjKv (ms‡ÿwcZ)

Saadiq Super Savers Saadiq Savings Saadiq eSavers Saadiq Current Saadiq Graduate Saadiq Hajj Savers Saadiq MortgageOne
Charges Premium Account Account Account Account Account Account Savings Account
PvR©mg~n mvw`K mycvi †mfvim mvw`K †mwfsm mvw`K B-†mfvim mvw`K Kv‡i›U mvw`K MÖ¨vRy‡qU mvw`K nR¡ †mfvim mvw`K gU©‡MR-Iqvb
wcÖwgqvg GKvD›U GKvD›U GKvD›U GKvD›U GKvD›U GKvD›U †mwfsm GKvD›U
Debit Card Annual Fee (1st year
Fee will be collected up front) Tk. 600 Tk. 600 Not applicable Not applicable Tk. 600
600 UvKv 600 UvKv cÖ‡hvR¨ bq cÖ‡hvR¨ bq 600 UvKv
†WweU KvW© evwl©K wd (1g eQ‡ii wd
GKvD›U †Lvjvi mgq)
*For Employee Banking, Debit Card Fee is applicable according to payroll agreements
Up to Tk, 10,000 0
Above Tk 10,000 up to Tk. 25,000 Tk. 100 half yearly
Account Maintenance Fee* Above Tk. 25,000 up to Tk 200,000 Tk. 200 half yearly
Tk. 300 half
Above Tk. 200,000 up to Tk 1,000,000 Tk. 250 half yearly yearly Free Free Free
Above Tk. 1,000,000 Tk. 300 half yearly 300 UvKv Aa© evwl©K wd« wd« wd«
10,000 UvKv ch©šÍ -0
GKvD›U †gBb‡U‡bÝ wd 10,000 UvKvi D‡×© Ges 25,000 UvKv ch©šÍ -100 UvKv Aa©evwlK
25,000 UvKvi D‡×© Ges 200,000 UvKv ch©šÍ -200 UvKv Aa©evwlK
200,000 UvKvi D‡×© Ges 1,000,000 UvKv ch©šÍ -250 UvKv Aa©evwlK
1,000,000 UvKvi D‡×© -300 UvKv Aa©evwlK
Account Maintenance Fee is not applicable for Employee Banking
Minimum Balance Requirement:
Saadiq Super Savers Premium Account Tk. 500,000
mvw`K mycvi †mfvim wcÖwgqvg GKvD›U 500,000 UvKv
Saadiq Savings Account Tk. 100,000
mvw`K †mwfsm GKvD›U 100,000 UvKv
Saadiq eSavers Account Tk. 50,000
mvw`K B-†mfvim GKvD›U 50,000 UvKv
Saadiq Current Account Tk. 100,000
mvw`K Kv‡i›U GKvD›U 100,000 UvKv
Saadiq Graduate Account Not applicable
mvw`K MÖ¨vRy‡qU GKvD›U cÖ‡hvR¨ bq
Saadiq Hajj Savers Account Min SO required Tk. 5,000
mvw`K nR¡ †mfvim GKvD›U byb¨Zg GmI 5,000 UvKv
Saadiq MortgageOne Savings Account Not applicable
mvw`K gU©‡MR-Iqvb †mwfsm GKvD›U cÖ‡hvR¨ bq
Important Notes:
15% VAT is applicable for all fees and charges
Govt. Excise Duty is applicable annually for all Accounts
The Bank reserves the right to amend the Saadiq Schedule of Charges at any time by displaying a notice to such effect at the branch and/or any other reasonable means
of notification of such changes
For Saadiq Priority and Premium Banking Customers, separate Schedules of Fees & Charges are applicable
For Saadiq Employee Banking clients, fees and charges shall apply as per Employee Banking agreement
¸iæZ¡c~Y© Z_¨:
mKj wd I PvR©mg~‡ni Dci 15% f¨vU cÖ‡hvR¨
mKj GKvD‡›Ui Dci evwl©K ivóªxq G·vBR wWDwU cÖ‡hvR¨
†h †Kvb gyn~‡Z© mvw`K GKvD‡›U †h †Kvb PvR© cwieZ©‡bi wm×všÍ e¨vsK KZ…©K msiwÿZ hv eªv mg~‡ni cÖ`wk©Z n‡e Ges Ab¨ †h †Kvb gva¨‡g Kv÷gvi‡`i Rvbv‡bv n‡e
mvw`K cÖv‡qwiwU Ges wcÖwgqvg e¨vswKs MÖvn‡Ki Rb¨ c„_K wdm GÛ Pv‡R©m cÖ‡hvR¨ n‡e
mvw`K Ggcøqx e¨vswKs MÖvn‡Ki Rb¨ Ggcøqx e¨vswKs Pzw³ Abyhvqx wdm GÛ Pv‡R©m cÖ‡hvR¨ n‡e

12-wWwRU wU,AvB,Gb MÖn‡Yi †ÿÎ m¤úªmviY: AvqKi Aa¨v‡`‡ki aviv 184A Gi ms‡kvab
A_© AvBb, 2016 Gi gva¨‡g AvqKi Aa¨v‡`k, 1984 Gi aviv 184A Gi Dcaviv (1) †Z bZzb wZbwU K¬R (y), (z) Ges (za) ms‡hvRb K‡i wb¤œewY©Z e¨w³i Rb¨ 12 wWwRU wU,AvB,Gb MÖnY eva¨Zvg~jK Kiv n‡q‡Q-
(1) miKvi A_ev miKv‡ii †Kvb KZ…©cÿ, K‡c©v‡ikb, mËv ev BDwb‡Ui ev cÖPwjZ †Kvb AvBb, Av‡`k ev `wj‡ji gva¨‡g cÖPwjZ MwVZ †Kvb KZ…©cÿ, K‡c©v‡ikb, mËv ev BDwb‡Ui Kg©Pvix (employee), hw` wZwb mswkøó Avq eQ‡ii
†h †Kv‡bv mgq 2015 mv‡j †NvwlZ PvKwi (†eZb I fvZvw`) Av‡`k, 2015 Gi `kg †MÖW Z`yaŸ© †MÖ‡W A_ev 2015 mv‡j †NvwlZ †h †Kvb †c-†¯‹‡ji `kg †MÖW ev Z`yaŸ© †MÖ‡Wi mgZzj¨ †Kvb †MÖ‡W †eZb-fvZvw` MÖnY K‡ib ;
(2) Monthly Payment Order (MPO) Gi AvIZvq miKvi gvwmK 16000/- UvKv Gi †ewk A_© cvb Ggb †Kvb e¨w³ ;
January 2021 V1

(3) e¨e¯’vcbv I cÖkvmwbK c‡` ev Drcv`‡bi mycvifvBRix c‡` wb‡qvwRZ †Kvb employee, Zvi †eZb-fvZvw` hv-B †nvK bv †Kb|
• Any individual who has taxable income needs to have e-TIN
• In case of private sector, any individual working in Managerial, Administrative or Supervisory capacity needs to have e-TIN regardless of his/her annual income
• In case of government sector, any individual within pay-scale grade 10 or above or receives more than BDT 16,000 per month from the government needs to have e-TIN

For more details, please refer to Saadiq Schedule of Charges available at all Standard Chartered branches
we¯ÍvwiZ Z‡_¨i Rb¨ AbyMÖn K‡i ÷vÛvW© PvU©vW© e¨vsK mvw`K Gi PvR©mg~‡ni ZvwjKv msMÖn Kiæb
 MOST IMPORTANT DOCUMENT/MÖvnK m¤§wZcÎ Bank Copy/e¨vsK Kwc
(For Personal Account opening only/ïaygvÎ cv‡m©vbvj GKvD›U I‡cwbs‡qi †ÿ‡Î cÖ‡hvR¨)
(Please read and sign to confirm that all information relevant to your Bank Account has been provided to you at the time of Account opening)/wb‡¤œ ewY©Z Z_¨mg~n
AbyMÖn K‡i c‡o Ges ¯^vÿi K‡i wbwðZ Kiæb †h, Avcbvi GKvD›U †Lvjvi mgq GKvD›U mswkøó mg¯Í Z_¨ m¤ú‡K© Avcwb AeMZ Av‡Qb)
Accountholder’s Declarations: I confirm that I have understood & agreed with all the following product features
GKvD›U‡nvìv‡ii †NvlYv: Avwg wbwðZ KiwQ †h, wb‡¤œ cÖ`Ë †cÖvWv‡±i mKj welq Avwg AeMZ n‡qwQ I m¤§wZ Ávcb KiwQ
I agree with the weightage applicable for my Saadiq Savings/Saadiq eSavers/Saadiq Super Savers Premium/Saadiq Graduate Account/Term Account/Saadiq Hajj
Savers/Saadiq MortgageOne Savings Account which is available at StanChart branch and profit accrual in my account will start from the date of account opening.
e¨vsK KZ©…K †NvwlZ ZvwjKv Abyhvqx Avgvi mvw`K †mwfsm/mvw`K B-†mfvim/mvw`K mycvi †mfvim wcÖwgqvg/mvw`K MÖ¨vRy‡qU GKvD›U/†gqv`x GKvD›U/mvw`K nR¡ †mfvim/mvw`K gU©‡MR-Iqvb †mwfsm GKvD›U-Gi
cÖ‡hvR¨ gybvdvi Zyjbvg~jK aviYv m¤ú‡K© Avwg AeMZ AvwQ Ges GKvD›U †Lvjvi ZvwiL †_‡K Avgvi GKvD‡›Ui gybvdv MYbv ïiæ Kiv n‡e|
Fees & Charges: Fees and charges have been explained to me & I have read and understood the latest Saadiq Schedule of Charges.
wd I PvR©mg~n: wd I PvR©mg~n Avgv‡K we¯ÍvwiZ Rvbv‡bv n‡q‡Q Ges mv¤úªwZK mvw`K PvR©mg~‡ni ZvwjKv Avwg c‡owQ I eyS‡Z †c‡iwQ|
Ancillary Products: I understand that Phone Banking (Telephone Identification Number), SMS Banking and Saadiq Debit Card are bundled with my Account
and The Bank shall deduct charges as applicable for such services.
mnvqK †cÖvWv±mg~n: Avwg AeMZ AvwQ †h, †dvb e¨vswKs †Uwj‡dvb AvB‡Ww›Uwd‡Kkb bv¤^vi), GmGgGm e¨vswKs Ges mvw`K †WweU KvW© Avgvi GKvD‡›U AšÍ©f~³ n‡e Ges e¨vsK G msµvšÍ h_vh_ PvR© Av`vq Ki‡e|
Turnaround time: I understand that it may require minimum two working days to deliver my Debit Card and Chequebook.
Uvb©A¨vivDÛ UvBg: Avwg AeMZ AvwQ †h, Avgvi †WweU KvW© I †PKeB †c‡Z Kgc‡ÿ 2wU Kg©w`em mgq jvM‡e|
Declaration of the Bank: I understand that the weightages applicable for my Saadiq Savings/Saadiq eSavers/Saadiq Super Savers Premium/Saadiq Graduate
Account/Term Account/Saadiq Hajj Savers/Saadiq MortgageOne Savings Account, as well as the fees and charges may change from time to time at the sole
discretion of Standard Chartered Bank by displaying a notice of such effect at the branch and/or by any other reasonable means of notification of such changes. I
shall be deemed to have accepted such changes if the Bank does not receive any notice to the contrary from me within 3 days from the issuance of such notice.
e¨vsK-Gi GLwZqvi: Avwg AeMZ AvwQ †h, Avgvi mvw`K †mwfsm/mvw`K B-†mfvim/mvw`K mycvi †mfvim wcÖwgqvg/mvw`K MÖ¨vRy‡qU GKvD›U/†gqv`x GKvD›U/mvw`K nR¡ †mfvim/mvw`K gU©‡MR-Iqvb †mwfsm
GKvD›U-Gi gybvdv wKsev wd I PvR©mg~n ÷¨vÛvW© PvU©vW© e¨vsK-Gi GKK wm×v‡šÍ †h †Kvb mgq cwieZ©b n‡Z cv‡i hv eªv mg~‡n cÖ`wk©Z n‡e A_ev Ab¨ †h †Kvb gva¨‡g Avgv‡K Rvbv‡bv n‡e| D³ †bvwUk cÖ`v‡bi
wZb w`‡bi g‡a¨ G msµvšÍ †Kvb AvcwË DÌvwcZ bv n‡j mKj kZ©vejx MÖnY‡hvM¨ I cÖ‡hvR¨ e‡j MwYZ n‡e|
I/We hereby declare that I/we agree to have my/our security items (viz. Chequebook, Internet Banking PIN, Debit Card and other security items) delivered
to my/our mailing address and also understand that Debit Card will be delivered in deactivated status for security reason.
Avwg/Avgiv †NvlYv KiwQ †h, Avgvi/Avgv‡`i e¨vsK m¤úwK©Z wmwKDwiwU AvB‡Ug mg~n (†hgb, †PKeB, B›Uvi‡bU e¨vswKs wc.AvB.Gb, †WweU KvW© I Ab¨vb¨ wmwKDwiwU AvB‡Ug mg~n) e¨vsK KZ…©K Avgvi/Avgv‡`i
†hvMv‡hv‡Mi Rb¨ wbewÜZ wVKvbvq cvVv‡Z ivwR AvwQ Ges AviI AeMZ AvwQ †h, †WweU KvW© wbivcËvi ¯^v‡_© wbw¯Œq Ae¯’vq Avgvi wVKvbvq cvVv‡bv n‡e|
I agree that I can apply for the Graduate Account between the age of 18 to 26. Upon reaching the age of 26, my account will be converted to eSavers
Account. I also agree that I need to submit a photocopy of my valid student ID card and show my original student ID card for verification purpose.
Avwg m¤§wZ cÖKvk KiwQ †h, MÖ¨vRy‡qU GKvD›U-Gi Rb¨ Av‡e`bKv‡j Avgvi eqm 18 †_‡K 26 eQ‡ii AšÍeZ©x n‡Z n‡e| Avgvi eqm 26 eQi c~Y© nIqv gvÎB Avgvi MÖ¨vRy‡qU GKvD›UwU B-†mfvim GKvD›U wn‡m‡e
cwiewZ©Z n‡e| Avwg AeMZ AvwQ †h, Av‡e`b Kivi Rb¨ Avgv‡K KvhK©i I ˆea ÷z‡W›U AvBwW Kv‡W©i d‡UvKwc Rgv w`‡Z n‡e Ges wPwýZKiY I hvPvBKi‡Yi Rb¨ Avmj AvBwW KvW©wU cÖ`k©b Ki‡Z n‡e|
If there is no transaction initiated by me for 2 years in case of Savings Account and 1 year in case of Current Account then the account will be classified as
‘Dormant’.
mÂqx wnmv‡ei †ÿ‡Î 2 eQi Ges PjwZ wnmv‡ei †ÿ‡Î 1 eQi Avgvi Øviv †Kvb †jb‡`b bv n‡j wnmve ÔWi‡g›UÕ e‡j MY¨ n‡e|
Profit application/gybvdv A¨vwcø‡Kkb: I understand that/Avwg AeMZ AvwQ †h,
Profit in my Saadiq Super Savers Premium/Saadiq Graduate Account will be accrued on monthly average balance and applied on monthly basis.
Avgvi mvw`K mycvi †mfvim wcÖwgqvg/mvw`K MÖ¨vRy‡qU GKvD›U-Gi gybvdv MYbv Kiv n‡e gvwmK A¨vfv‡iR e¨v‡j‡Ýi wfwˇZ Ges cÖ`vb Kiv n‡e gvwmK wfwˇZ|
Profit in my Saadiq Savings/Saadiq eSavers/Saadiq Hajj Savers/Saadiq MortgageOne Savings Account will be accrued on monthly average balance and
applied on quarterly basis.
Avgvi mvw`K †mwfsm/mvw`K B-†mfvim/mvw`K nR¡ †mfvim/mvw`K gU©‡MR-Iqvb †mwfsm GKvD›U-Gi gybvdv MYbv Kiv n‡e gvwmK A¨vfv‡iR e¨v‡j‡Ýi wfwˇZ Ges cÖ`vb Kiv n‡e ˆÎgvwmK wfwˇZ|
My Saadiq Savings/Saadiq eSavers/Saadiq Super Savers Premium/Saadiq Graduate Account/Term Account/Saadiq Hajj Savers/Saadiq MortgageOne
Savings Account are based on the principles of Mudaraba. In-line with the rules of Islamic Shariah in case the Mudaraba Asset incurs a loss, I will have to
bear this loss in the ratio of my share in the Mudaraba.
Avgvi mvw`K †mwfsm/mvw`K B-†mfvim/mvw`K mycvi †mfvim wcÖwgqvg/mvw`K MÖ¨vRy‡qU GKvD›U/†gqv`x GKvD›U/mvw`K nR¡ †mfvim/mvw`K gU©‡MR-Iqvb †mwfsm GKvD›U gy`vivevi bxwZgvjvi Dci cÖwZwôZ|
Bmjvgx kixqvn-Gi Av‡jv‡K, hw` gy`vivevi mÂqx e¨e¯’vcbvi †Kvb ¶wZ nq, Avwg †mB ¶wZ Avgvi As‡ki Abycv‡Z enb Ki‡ev|

Applicable for Employee Banking/Ggcøwq e¨vswKs Gi Rb¨ cÖ‡hvR¨

I agree that if the Salary is not credited/deposited in my account for six (6) consecutive months, the Bank will have the right to de-enroll me from the
Payroll Banking benefits at any point in time.
GKvav‡i Qq (6) gvm Avgvi †eZb GB GKvD‡›U Rgv bv n‡j, e¨vs‡Ki GLwZqvi Abyhvqx †c‡ivj e¨vswKs myweavw` GB GKvD‡›U cÖ‡hvR¨ n‡e bv|
Credit reversal or refunds of salary from the payroll accounts will be done based on the instruction from the employer if there is an erroneous instruction
from the employer.
fzjekZ m¨vjvix GKvD‡›U †eZb Rgv n‡j Zv cÖZ¨vc©‡Yi Rb¨ Avgvi wb‡qvMKZ©vi BÝvUªvKkb cÖ‡hvR¨ n‡e|

Special features applicable only for Saadiq eSavers Account/ïaygvÎ mvw`K B-†mfvim GKvD‡›Ui Rb¨ cÖ‡hvR¨ we‡kl Z_¨mg~n:
Usage of Alternate Channels*: I understand that for Saadiq eSavers Account, all transactions are supposed to be carried out through the Alternate
Channels of Standard Chartered Bank.
Aëvi‡bU P¨v‡bjmg~‡ni e¨enviwewa*: Avwg AeMZ AvwQ †h, mvw`K B-†mfvim GKvD›U-Gi Rb¨ mg¯Í †jb‡`b ÷¨vÛvW© PvU©vW© e¨vsK-Gi Aëvi‡bU P¨v‡bjmg~‡ni gva¨‡g Kiv eva¨Zvg~jK|
Chequebook: “Account Payee Only” pre printed Chequebook is available for Saadiq eSavers Account. (no bearer or cash withdrawal is allowed through
this cheque)
†PKeB: mvw`K B-†mfvim GKvD‡›Ui Rb¨ ÒGKvD›U †cwq IbwjÓ wcÖ-wcÖ‡›UW †PKeB cvIqv hv‡e| (GB †P‡Ki gva¨‡g bM` D‡Ëvjb wKsev evn‡Ki gva¨‡g †jb‡`b MÖnY‡hvM¨ bq)

I understand that I will be able to enjoy the benefits of a Credit Card and/or Personal Finance along with my account as part of Easy/Employee Banking
Value Pack subject to fulfilment of the Bank’s Credit norms. The annual fees for this Card and Processing fee for Personal Finance will be discounted as
appropriate. The activation, usage and retention of this Card will be solely at my discretion.
Avwg AeMZ AvwQ †h, e¨vs‡Ki FY bxwZgvjv c~iY mv‡c‡ÿ Avgvi e¨vsK GKvD‡›Ui cvkvcvwk BwR A_ev Bwe f¨vjy c¨v‡KR Ask wn‡m‡e Avwg GKwU †µwWU KvW©/cv‡m©vbvj dvBbv‡Ýi myweav Dc‡fvM Kie| Kv‡W©i
†ÿ‡Î n«vmK…Z evwl©K wd Ges cv‡m©vbvj dvBbv‡Ýi †ÿ‡Î n«vmK…Z cÖ‡mwms wd h‡_vchy³ fv‡e cÖ‡hvR¨ n‡e| KvW© mwµqKiY, e¨envi Ges Pvjy ivLv Avgvi we‡ePbvaxb n‡e|

I/we understand and also agree that I/we will duly notify the bank regarding departure from Bangladesh and I/we agree that my/our account shall be marked
as Non Resident Taka (NRT) account from the date specified on the notification. I understand this NRT marking will have consequences of restricting several
January 2021 V1

types of transaction as per applicable laws of Bangladesh. Similarly I/we will duly notify the bank regarding arrival in Bangladesh from abroad on
temporary/permanent basis and I/we agree that my/our account shall be marked as Resident from the date specified on the notification.
Avwg/Avgvi AeMZ AvwQ Ges m¤§Z n‡qwQ †h Avwg/Avgiv evsjv‡`‡ki evB‡i hvevi c~‡e© h_vh_ fv‡e Avgvi/Avgv‡`i hvÎvi ZvwiL e¨vsK-‡K AewnZ Kie| DcišÍ Avwg/Avgiv AeMZ AvwQ †h, e¨vsK-†K AewnZ
*Conditions apply / *kZ© cÖ‡hvR¨

Kivi ZvwiL †_‡K Avgvi/Avgv‡`i A¨vKvD›UwU cÖevmx (NRT) wn‡m‡e MY¨ n‡e Ges evsjv‡`‡ki we`¨gvb AvBb Abyhvqx cÖevmx G¨vKvD‡›U wewfbœ †jb‡`‡bi mxgve×Zv Av‡Q| GKBfv‡e Avwg/Avgiv AeMZ AvwQ
†h, Avwg/Avgiv †`‡k †divi ci e¨vsK-†K Avgvi/Avgv‡`i evsjv‡`‡ki cÖZ¨veZ©‡bi ZvwiL AewnZ Kie Ges GKvD›UwU wbevmx (Resident) wn‡m‡e we‡ewPZ n‡e D³ cÖZ¨veZ©‡bi welqwU e¨vsK-†K AewnZ
Ki‡Yi ZvwiL †_‡K|
Special features applicable only for Saadiq Hajj Savers/ïaygvÎ mvw`K nR¡ †mfvim GKvD‡›Ui Rb¨ cÖ‡hvR¨ we‡kl Z_¨mg~n:
1. I am aware that I need to set up a Standing Order (SO) at the time of opening Saadiq Hajj Savers Account and choose monthly amount and tenor at my discre-
tion. (Minimum tenor six months and maximum tenor is five years)/Avwg AeMZ AvwQ †h, mvw`K nR¡ †mfvim GKvD›U †Lvjvi mgq Avgv‡K GKwU ÷¨vwÛs AW©vi (GmI) ¯’vcb Ki‡Z n‡e Ges
Avgvi wm×všÍ Abyhvqx gvwmK cwigvY I †gqv` DËx‡Y©i ZvwiL wba©vwiZ n‡e| (b~¨bZg †gqv` 6 gvm I m‡e©v”P †gqv` 5 eQi)
2. I understand that Chequebook and Debit card are not applicable for Saadiq Hajj Savers Account/Avwg AeMZ AvwQ †h, mvw`K nR¡ †mfvim GKvD‡›Ui Rb¨ †PK eB I †WweU KvW©
cÖ‡hvR¨ bq|
3. I understand that I may set up only one SO, per Saadiq Hajj Savers Account/Avwg AeMZ AvwQ †h, mvw`K nR¡ †mfvim GKvD‡›Ui Rb¨ Avwg GKwU gvÎ GmI ¯’vcb Ki‡Z cvi‡ev|
4. I understand, in case of closure before maturity, I have to close the account and the fund will be transferred to my transactional account. Partial withdrawal is
not allowed in Hajj Savers Account/Avwg AeMZ AvwQ †h, †gqv` †kl nIqvi Av‡M GKvD›UwU eÜ Kivi †¶‡Î Avgvi GKvD‡›Ui dvÛ Uªvb‡RKkbvj GKvD‡›U UªvÝdvi n‡e| nR¡ †mfvim GKvD›U-G AvswkK
dvÛ D‡Ëvj‡bi my‡hvM †bB|
5. I understand, for early closure of Hajj Savers Account before SO maturity, no profit will be forfeited/Avwg AeMZ AvwQ †h, ÷¨vwÛs AW©v‡ii †gqv` †k‡li Av‡M nR¡ †mfvim GKvD›U
eÜ Ki‡j gybvdv‡Z †Kvb ¶wZ n‡ebv|
6. I understand, based on the purpose of this account, the Bank has set a maximum deposit limit of BDT 50 lac. Any additional amount in Hajj Savers Account
over this limit will be reversed back to my account from where SO has been set/Avwg AeMZ AvwQ †h GB GKvD‡›Ui D‡Ïk¨ Abyhvqx e¨vsK m‡e©v”P wW‡cvwR‡Ui cwigvY 50 j¶ UvKv avh©
K‡i‡Q| Gi AwZwi³ †h †Kvb cwigvY GmI wba©viYKvix g~j GKvD›U-G †diZ hv‡e|
7. I understand, Hajj Savers Account can also be used for the purpose of Umrah/Avwg AeMZ AvwQ †h, nR¡ †mfvim GKvD›U †mevwU Dgivni D‡Ï‡k¨I e¨envi Kiv †h‡Z cv‡i

Saadiq Schedule of Charges (Abridged)/mvw`K PvR©mg~‡ni ZvwjKv (ms‡ÿwcZ)

Saadiq Super Savers Saadiq Savings Saadiq eSavers Saadiq Current Saadiq Graduate Saadiq Hajj Savers Saadiq MortgageOne
Charges Premium Account Account Account Account Account Account Savings Account
PvR©mg~n mvw`K mycvi †mfvim mvw`K †mwfsm mvw`K B-†mfvim mvw`K Kv‡i›U mvw`K MÖ¨vRy‡qU mvw`K nR¡ †mfvim mvw`K gU©‡MR-Iqvb
wcÖwgqvg GKvD›U GKvD›U GKvD›U GKvD›U GKvD›U GKvD›U †mwfsm GKvD›U
Debit Card Annual Fee (1st year
Fee will be collected up front) Tk. 600 Tk. 600 Not applicable Not applicable Tk. 600
600 UvKv 600 UvKv cÖ‡hvR¨ bq cÖ‡hvR¨ bq 600 UvKv
†WweU KvW© evwl©K wd (1g eQ‡ii wd
GKvD›U †Lvjvi mgq)
*For Employee Banking, Debit Card Fee is applicable according to payroll agreements
Up to Tk, 10,000 0
Above Tk 10,000 up to Tk. 25,000 Tk. 100 half yearly
Account Maintenance Fee* Above Tk. 25,000 up to Tk 200,000 Tk. 200 half yearly
Tk. 300 half
Above Tk. 200,000 up to Tk 1,000,000 Tk. 250 half yearly yearly Free Free Free
Above Tk. 1,000,000 Tk. 300 half yearly 300 UvKv Aa© evwl©K wd« wd« wd«
10,000 UvKv ch©šÍ -0
GKvD›U †gBb‡U‡bÝ wd 10,000 UvKvi D‡×© Ges 25,000 UvKv ch©šÍ -100 UvKv Aa©evwlK
25,000 UvKvi D‡×© Ges 200,000 UvKv ch©šÍ -200 UvKv Aa©evwlK
200,000 UvKvi D‡×© Ges 1,000,000 UvKv ch©šÍ -250 UvKv Aa©evwlK
1,000,000 UvKvi D‡×© -300 UvKv Aa©evwlK
Account Maintenance Fee is not applicable for Employee Banking
Minimum Balance Requirement:
Saadiq Super Savers Premium Account Tk. 500,000
mvw`K mycvi †mfvim wcÖwgqvg GKvD›U 500,000 UvKv
Saadiq Savings Account Tk. 100,000
mvw`K †mwfsm GKvD›U 100,000 UvKv
Saadiq eSavers Account Tk. 50,000
mvw`K B-†mfvim GKvD›U 50,000 UvKv
Saadiq Current Account Tk. 100,000
mvw`K Kv‡i›U GKvD›U 100,000 UvKv
Saadiq Graduate Account Not applicable
mvw`K MÖ¨vRy‡qU GKvD›U cÖ‡hvR¨ bq
Saadiq Hajj Savers Account Min SO required Tk. 5,000
mvw`K nR¡ †mfvim GKvD›U byb¨Zg GmI 5,000 UvKv
Saadiq MortgageOne Savings Account Not applicable
mvw`K gU©‡MR-Iqvb †mwfsm GKvD›U cÖ‡hvR¨ bq
Important Notes:
15% VAT is applicable for all fees and charges
Govt. Excise Duty is applicable annually for all Accounts
The Bank reserves the right to amend the Saadiq Schedule of Charges at any time by displaying a notice to such effect at the branch and/or any other reasonable means
of notification of such changes
For Saadiq Priority and Premium Banking Customers, separate Schedules of Fees & Charges are applicable
For Saadiq Employee Banking clients, fees and charges shall apply as per Employee Banking agreement
¸iæZ¡c~Y© Z_¨:
mKj wd I PvR©mg~‡ni Dci 15% f¨vU cÖ‡hvR¨
mKj GKvD‡›Ui Dci evwl©K ivóªxq G·vBR wWDwU cÖ‡hvR¨
†h †Kvb gyn~‡Z© mvw`K GKvD‡›U †h †Kvb PvR© cwieZ©‡bi wm×všÍ e¨vsK KZ…©K msiwÿZ hv eªv mg~‡ni cÖ`wk©Z n‡e Ges Ab¨ †h †Kvb gva¨‡g Kv÷gvi‡`i Rvbv‡bv n‡e
mvw`K cÖv‡qwiwU Ges wcÖwgqvg e¨vswKs MÖvn‡Ki Rb¨ c„_K wdm GÛ Pv‡R©m cÖ‡hvR¨ n‡e
mvw`K Ggcøqx e¨vswKs MÖvn‡Ki Rb¨ Ggcøqx e¨vswKs Pzw³ Abyhvqx wdm GÛ Pv‡R©m cÖ‡hvR¨ n‡e

12-wWwRU wU,AvB,Gb MÖn‡Yi †ÿÎ m¤úªmviY: AvqKi Aa¨v‡`‡ki aviv 184A Gi ms‡kvab
A_© AvBb, 2016 Gi gva¨‡g AvqKi Aa¨v‡`k, 1984 Gi aviv 184A Gi Dcaviv (1) †Z bZzb wZbwU K¬R (y), (z) Ges (za) ms‡hvRb K‡i wb¤œewY©Z e¨w³i Rb¨ 12 wWwRU wU,AvB,Gb MÖnY eva¨Zvg~jK Kiv n‡q‡Q-
(1) miKvi A_ev miKv‡ii †Kvb KZ…©cÿ, K‡c©v‡ikb, mËv ev BDwb‡Ui ev cÖPwjZ †Kvb AvBb, Av‡`k ev `wj‡ji gva¨‡g cÖPwjZ MwVZ †Kvb KZ…©cÿ, K‡c©v‡ikb, mËv ev BDwb‡Ui Kg©Pvix (employee), hw` wZwb mswkøó Avq eQ‡ii
†h †Kv‡bv mgq 2015 mv‡j †NvwlZ PvKwi (†eZb I fvZvw`) Av‡`k, 2015 Gi `kg †MÖW Z`yaŸ© †MÖ‡W A_ev 2015 mv‡j †NvwlZ †h †Kvb †c-†¯‹‡ji `kg †MÖW ev Z`yaŸ© †MÖ‡Wi mgZzj¨ †Kvb †MÖ‡W †eZb-fvZvw` MÖnY K‡ib ;
(2) Monthly Payment Order (MPO) Gi AvIZvq miKvi gvwmK 16000/- UvKv Gi †ewk A_© cvb Ggb †Kvb e¨w³ ;
January 2021 V1

(3) e¨e¯’vcbv I cÖkvmwbK c‡` ev Drcv`‡bi mycvifvBRix c‡` wb‡qvwRZ †Kvb employee, Zvi †eZb-fvZvw` hv-B †nvK bv †Kb|
• Any individual who has taxable income needs to have e-TIN
• In case of private sector, any individual working in Managerial, Administrative or Supervisory capacity needs to have e-TIN regardless of his/her annual income
• In case of government sector, any individual within pay-scale grade 10 or above or receives more than BDT 16,000 per month from the government needs to have e-TIN

For more details, please refer to Saadiq Schedule of Charges available at all Standard Chartered branches
we¯ÍvwiZ Z‡_¨i Rb¨ AbyMÖn K‡i ÷vÛvW© PvU©vW© e¨vsK mvw`K Gi PvR©mg~‡ni ZvwjKv msMÖn Kiæb
 Most Important Information for your Saadiq Credit Card Application
Avcbvi mvw`K †µwWU KvW© Av‡e`‡bi Rb¨ ¸iæZ¡c~Y© Z_¨vw`
Customer Copy/ Kv÷gvi Kwc
(Global Usage Privileges apply/†Møvevj BD‡mR wcÖwf‡jR cÖ‡qvR¨)
Dear Applicant, m¤§vwbZ Av‡e`bKvix,
Thank you for your application for Standard Chartered Saadiq Credit card. To ÷¨vÛvW© PvU©vW© mvw`K †µwWU KvW© -G Av‡e`‡bi Rb¨ Avcbv‡K ab¨ev`| †µwWU KvW© m¤c‡K©
ensure clarity regarding the Bank’s offer, we request you to go through the AeMwZi Rb¨ wb‡Pi ¸iæZ¡c~Y© Z_¨vw` AbymiY Kiæb Ges m¤c~Y© AeMZ nIqvi ci Avcbvi
declaration and salient points given below and sign your acceptance for the same. m¤§wZm~PK ¯^v¶i cÖ`vb Kiæb|
Yes No
Customer Declaration/MÖvnK A½xKvibvgv n¨uv bv

I understand that this Saadiq Card cannot be used for any POS/Online transaction(s) which is not Shariah compliant.
Avwg AeMZ AvwQ †h, Avgvi mvw`K KvW©wU kixqvn& m¤§Z bq Ggb †Kv‡bv c‡q›U Ad †mj/AbjvBb †jb‡`b G e¨envi Kiv hv‡e bv|

Documents Submitted/cÖ‡qvRbxq KvMRcÎ

Salary Slip/ Pay Slip/Salary Certificate
m¨vjvwi w¯øc/†c- w¯øc/m¨vjvwi mvwU©wd‡KU eTIN/eTIN certificate/IT-88 etc.
Copy of National ID (for Bangladeshi national) or Passport (for foreign nationals only) BwUAvBGb/BwUAvBGb mvwU©wd‡KU/AvBwU-88 BZ¨vw`
RvZxq cwiPqc‡Îi Kwc (evsjv‡`kx bvMwi‡Ki Rb¨) A_ev cvm‡cv‡U©i Kwc (ïaygvÎ we‡`kx bvMwi‡Ki Rb¨) Memorandum/Article of Association
Bank Statements †g‡gvivÛvg/AvwU©‡Kjm Ae G¨v‡mvwm‡qkb
e¨vsK †÷U‡g›U
Standing Instruction to debit my account toward Saadiq Credit Card Payments
Trade License mvw`K †µwWU KvW© †c‡g‡›Ui †¶‡Î GKvD›U n‡Z †WweU Gi Rb¨ ÷¨vwÛs BÝUªvKkb
†UªW jvB‡mÝ
Others (Please specify)
National ID (NID) No.
Ab¨vb¨ (AbyMÖnc~e©K D‡jøL Kiæb)
RvZxq cwiPqcÎ (GbAvBwW) b¤^i
I, _______________________________________________ have read and understood Avwg,________________________________________________ DcwiwjøwLZ Ges
the above statements and the contents mentioned overleaf. I also confirm that the Aci c„ôvi mg¯Í Z_¨vw` c‡owQ Ges m¤c~Y© AeMZ n‡qwQ| Avwg †NvlYv KiwQ †h, GB Av‡e`bc‡Î
declaration provided by me in this form is true and correct. I confirm that I have not Avgvi cÖ`Ë Z_¨vw` m¤c~Y© wbf©‚j Ges mZ¨| Avwg AviI †NvlYv KiwQ †h, Avgvi mvw`K †µwWU
given any cash or cheque to any person of the Bank for the approval of this Saadiq KvW© Av‡e`bcÎwU Rb¨ e¨vs‡Ki m¤§wZ Av`v‡qi A_ev Ab¨ †Kvb D‡Ïk¨ mva‡b Avwg e¨vs‡Ki †Kvb
Credit Card Application or for any other purpose in relation to this Application. e¨w³‡K †Kvbiæc bM` UvKv A_ev †PK cÖ`vb Kwiwb|

I also confirm that Mr./Ms. ________________________________________________, Avwg †NvlYv KiwQ †h, Rbve/Rbvev _______________________________________,

Bearing BDO/RM code ____________________________ has explained to me all the wewWI/AviGg †KvW ______________________ Avgv‡K ÷¨vÛvW© PvU©vW© mvw`K †µwWU KvW©
features of Standard Chartered Credit Card. mswkøó welqvw` m¤c~Y©fv‡e eY©bv K‡i‡Qb|
January 2021 V1

I acknowledge that I have received a copy of this MID. Avwg wbwðZ KiwQ †h GB A½xKvi bvgvi GKwU Kwc Avwg ey‡S †c‡qwQ|

Applicant’s Signature Application Number

Date (dd/mm/yy)
*Conditions apply / *kZ© cÖ‡hvR¨
 Most Important Information for your Saadiq Credit Card Application
Avcbvi mvw`K †µwWU KvW© Av‡e`‡bi Rb¨ ¸iæZ¡c~Y© Z_¨vw`
(Global Usage Privileges apply/†Møvevj BD‡mR wcÖwf‡jR cÖ‡qvR¨)

I Frees & Fees I

Please make a note of the following Schedule of Charges, so that you remain fully Avcbvi mvw`K †µwWU KvW©-Gi Dci cÖ‡hvR¨ PvR©mg~n m¤ú‡K© c~Y© AeMwZi Rb¨ AbyMÖn K‡i
informed as to the charges applicable on your Saadiq Credit Card. wb‡Pi ZvwjKvwU AbymiY Kiæb :

Saadiq Visa Gold Credit Card Saadiq Visa Platinum Credit Card
mvw`K wfmv †Mvì †µwWU KvW© mvw`K wfmv cøvwUbvg †µwWU KvW©
General/mvaviY
Payment due date from statement date/
15 days/15 w`b
†÷U‡g‡›U D‡jøwLZ ZvwiL n‡Z †c‡g›U ZvwiL ch©šÍ cÖvc¨ mgq

1% of principal outstanding and full amount of any fees, charges and instalment amounts, if any (minimum BDT 500)
Minimum Amount Due /b~b¨Zg e‡Kqv
/g~j e‡Kqvi 1% I Ab¨vb¨ cwi‡kvabxq wd, PvR© Ges wKw¯Íi cwigvY-cÖ‡hvR¨ †ÿ‡Î (me©wb¤œ 500 UvKv)

Cash Advance Limit /K¨vk A¨vWfvÝ wjwgU 50% of credit limit/†µwWU wjwg‡Ui 50%

Fees / wd
Annual Fee (Primary Card)/evwl©K wd (cÖvBgvix KvW©) Tk. 3,000/3,000 UvKv Tk. 5,000/5,000 UvKv

Annual Fee (1st and 2nd Supplementary Card)/evwl©K wd (1g I 2q mvwcø‡g›Uvwi KvW©) FREE / wd«
3rd Supplementary Card & onwards/3q mvwcø‡g›Uvwi KvW©) Tk. 1,000/1,000 UvKv
Card Replacement Fee/KvW© cwieZ©‡bi wd Tk. 500/500 UvKv Tk. 1,000/1,000 UvKv
Late Payment Fee (Applicable if minimum due is not paid within due date) Tk. 500/500 UvKv
†jU †c‡g›U wd (wba©vwiZ mg‡qi g‡a¨ b~b¨Zg e‡Kqv cwi‡kva Kiv bv n‡j cÖ‡hvR¨)
Monthly Maintenance Fee/gvwmK †gBb‡U‡bÝ wd Tk. 2,500/2,500 UvKv Tk. 3,500/3,500 UvKv
Over Limit Service Fee/Ifvi wjwgU mvwf©m wd Tk. 1,000/1,000 UvKv
Global usage privileges/†Møvevj BD‡mR wcÖwf‡jR FREE / wd«
Access to Signature Lounge/wmM‡bPvi jvD‡Ä cÖ‡ekvwaKvi Not Applicable/cÖ‡hvR¨ bq Only Card holder/KvW©‡nvìv‡ii Rb¨
Priority Pass Membership Fee/cÖv‡qvwiwU cvm †g¤^vikxd wd Not Applicable/cÖ‡hvR¨ bq FREE / wd«
USD 27
Priority Pass Usage Fee/cÖv‡qvwiwU cvm BD‡mR wd Not Applicable/cÖ‡hvR¨ bq (For the Primary Card holder, 3 FREE visits per calendar year)
27 Wjvi
(cÖvBgvwi KvW© †nvìv‡ii Rb¨ cÖwZ eQi 3wU wd« wfwRU)
Passenger Handling Service/†c‡mbRvi †nÛwjs mvwf©m Not Applicable/cÖ‡hvR¨ bq FREE/wd« (Up to 2 persons)
Other Fees & Charges/Ab¨vb¨ wd I PvR©mg~n (mKj Kv‡W©i Rb¨ cÖ‡hvR¨)
Tk. 300/300 UvKv
Fund transfers from your credit card to Mobile Wallets through Online Banking or SC Mobile App will be
Cash Advance Service Fee/K¨vk A¨vWfvÝ mvwf©m wd treated as cash advance transaction, and incur cash advance fee.
÷¨vÛvW© PvU©vW© AbjvBb e¨vswKs A_ev SC †gvevBj A¨vc e¨envi K‡i †µwWU KvW© †_‡K †gvevBj Iqv‡j‡U †h‡Kvb dvÛ UªvÝdvi K¨vk A¨vWfvÝ UªvbRvKkb wn‡m‡e MY¨ n‡e
Ges †m‡¶‡Î K¨vk A¨vWfvÝ wd avh© n‡e|

1% of the transaction amount (Applicable when credit card is used to add money through mobile wallet portal)/
Wallet Loading Fee/Iqv‡jU †jvwWs wd †gvU †jb‡`‡bi 1% (†µwWU KvW© e¨envi K‡i †gvevBj Iqv‡jU †cvU©v‡j A¨vW gvwb-i †¶‡Î cÖ‡hvR¨)

Duplicate statement fee (last 2 months)/Wzwcø‡KU †÷U‡g›U wd (†kl 2 gvm) Tk. 300/300 UvKv
Duplicate statement fee (beyond last 2 months) Tk. 500/500 UvKv
Wzwcø‡KU †÷U‡g›U wd (†kl 2 gvm e¨vwZ‡i‡K Av‡Mi gvm ¸‡jvi Rb¨)
Returned cheque fee/wiUvb©W †PK wd Tk. 500/500 UvKv
CIB Processing Fee/wmAvBwe cÖ‡mwms wd Tk. 100/100 UvKv
Certificate charge/mvwU©wd‡KU PvR© FREE/wd«
Cheque book issuance Fee/†PK eyK Bm¨y‡qÝ wd: FREE/wd«
* 1st card cheque book (10 leaves)/1g KvW© †PKeyK (10 cvZv)
* 2nd cheque book and onwards (20 leaves)/2q Ges cieZ©x KvW© †PKeyK (20 cvZv) 20 Leaves: Tk. 200/20 cvZvi †PKeyK : 200 UvKv

Card Cheque Transaction Fee/KvW© †PK Uªv‡ÄKkb wd Tk. 1,000/1,000 UvKv

0% InstaBuys pre-closure fee/0% BÝUvevBm wcÖ-†K¬vRvi wd Tk. 1,000/1,000 UvKv
Closed Card Administrative Fee/eÜ Kv‡W©i A¨vW‡gwb‡÷ªwUf wd Tk. 500/500 UvKv
SMS Banking Transaction Alert fee/GmGgGm e¨vswKs Uªv‡ÄKkb A¨vjvU© wd FREE/wd«
Internet Banking/B›Uvi‡bU e¨vswKs FREE/wd«
e-Statements/B-†÷U‡g›Um FREE/wd«
Auto Billspay/A‡Uv wejm-†c FREE/wd«
15% VAT will be applicable/15 % f¨vU cÖ‡hvR¨ n‡e Effective from 01 January 2021 /01 Rvbyqvwi 2021 †_‡K Kvh©Ki n‡e
No reward points will be calculated for Card Cheque transactions/KvW© †PK-Gi †jb‡`‡bi †ÿ‡Î †Kvb cÖKvi wiIqvW© c‡q›U †hvM n‡e bv
Govt. excise duty is applicable as per Government Regulations/miKvix cÖweavb Abyhvqx AveMvix ïé cÖ‡hvR¨ n‡e

Other Key Points KwZcq D‡jøL‡hvM¨ welq

Blocking of card (in case of non-payment) KvW© eøwKs (†c‡g›U bv Kivi †¶‡Î cÖ‡hvR¨)
If you are availing multiple Credit Cards from Standard Chartered Bank, we reserve the right to block all hw` Avcwb ÷¨vÛvW© PvU©vW© e¨vs‡Ki GKvwaK KvW© e¨envi K‡i _v‡Kb Ges Avcbvi †h‡Kv‡bv GKwU Kv‡W©i †c‡g›U cwi‡kva bv
the Cards if any of the Cards goes into delinquency due to non-payment. Your Card will only be reinstated Kivi `iƒb KvW©wU e¨vs‡Ki Kv‡Q AwbqwgZ n‡q hvq, Z‡e †m‡¶‡Î e¨vsK Avcbvi e¨envi Kiv Acivci KvW©¸‡jv eøK K‡i †`qvi
once payment on each account is regulated and as per the Bank’s policy.
¶gZv msi¶Y K‡i| †KejgvÎ KvW© †c‡g›U wbqwgZ KiY Ges e¨vs‡Ki cwjwm AbymiY K‡iB Avcbvi KvW© cybivq Kvh©¶g Kiv
Disclosure of Information hv‡e|
You authorise the Bank to use and disclose detailed information relating to the Saadiq Credit Card
application and/or Saadiq Credit Card Account, your relationship with the Bank to any credit rating Z_¨cÖKvk/wWm‡K¬vRvi Ad Bbdi‡gkb
agency, bank, financial institution, leasing company, any regulatory authority with jurisdiction over the Avcbvi mvw`K †µwWU KvW© Av‡e`bcÎ, mvw`K †µwWU GKvD›U A_ev e¨vs‡Ki mv‡_ m¤cwK©Z †h‡Kv‡bv Z_¨vw` e¨vsK e¨envi
bank; any person required by a court of competent jurisdiction; any agent , contractor or third party service I cÖKv‡ki AwaKvi msi¶b K‡i Ges †Kvb †µwWU †iwUs ms¯’v, Ab¨vb¨ e¨vsK, Avw_©K cÖwZôvb, wjwRs †Kv¤cvbx, AvBb
*Conditions apply/*kZ© cÖ‡hvR¨

providers of the Bank, any potential assignee of the Bank, any company within the Standard Chartered cÖ‡qvMKvix ms¯’v, Av`vjZ KZ©…K `vwqZ¡cÖvß †Kvb e¨w³, ms¯’v, K›UªvKUi A_ev Z…Zxq c¶, e¨vsK KZ©…K `vwqZ¡cÖvß †Kvb e¨w³
Group and any other person under a duty of confidentiality to the Bank. Such disclosure will be made for
A_ev ÷¨vÛvW© PvU©vW© MÖæ‡ci †Kvb A½cÖwZôvb cÖ‡qvR‡b Avcbvi †h‡Kv‡bv Z_¨ we¯ÍvwiZ cÖKv‡ki me©mË¡ AwaKvi e¨vsK msi¶b
purposes as the Bank may in its sole discretion require and without any reference to you.
January 2021 V1

K‡i| †m‡¶‡Î Avcbvi †Kvb iKg c~e©vbygwZi cÖ‡qvRb †bB|

Please note
• Your Application Form and all supporting documents will form part of Bank’s records and will not be j¶¨bxq
returned. • Avcbvi Av‡e`bcÎ Ges Zrmswkó KvMRcÎ e¨vsK †iKW© wn‡m‡e msi¶b Ki‡e| d‡j `vwLjK…Z KvMRcÎ †diZ‡hvM¨ bq|
• The Bank may communicate with you through electronic means such as SMS, e-mail or facsimile • cÖ‡qvRb †gvZv‡eK e¨vsK Avcbvi mv‡_ B‡j±ªwbK †hvM‡hvM gva¨g; †hgb GmGgGm, B-‡gBj A_ev d¨v‡·i gva¨‡g
• The Bank reserves the right to reject this Application without assigning any reason
†hvMv‡hvM Ki‡e|
• †Kvb iKg cÖ`k©bc~e©K e¨vsK †µwWU KvW© Gi Rb¨ Avcbvi Av‡e`b evwZj Kivi AwaKvi msi¶b K‡i|
• Subject to approval of this Application, assignment of credit limit is at the sole discretion of the Bank
• Avcbvi Av‡e`bcÎwU e¨vsK KZ©…K M„nxZ nevi ci, e¨vsK †µwWU wjwgU wba©vi‡bi †¶‡Î me©mË¡ msi¶b K‡i|
 Most Important Information for your Saadiq Credit Card Application
Avcbvi mvw`K †µwWU KvW© Av‡e`‡bi Rb¨ ¸iæZ¡c~Y© Z_¨vw`
Bank Copy/ e¨vsK Kwc
(Global Usage Privileges apply/†Møvevj BD‡mR wcÖwf‡jR cÖ‡qvR¨)
Dear Applicant, m¤§vwbZ Av‡e`bKvix,
Thank you for your application for Standard Chartered Saadiq Credit card. To ÷¨vÛvW© PvU©vW© mvw`K †µwWU KvW© -G Av‡e`‡bi Rb¨ Avcbv‡K ab¨ev`| †µwWU KvW© m¤c‡K©
ensure clarity regarding the Bank’s offer, we request you to go through the AeMwZi Rb¨ wb‡Pi ¸iæZ¡c~Y© Z_¨vw` AbymiY Kiæb Ges m¤c~Y© AeMZ nIqvi ci Avcbvi
declaration and salient points given below and sign your acceptance for the same. m¤§wZm~PK ¯^v¶i cÖ`vb Kiæb|
Yes No
Customer Declaration/MÖvnK A½xKvibvgv n¨uv bv

I understand that this Saadiq Card cannot be used for any POS/Online transaction(s) which is not Shariah compliant.
Avwg AeMZ AvwQ †h, Avgvi mvw`K KvW©wU kixqvn& m¤§Z bq Ggb †Kv‡bv c‡q›U Ad †mj/AbjvBb †jb‡`b G e¨envi Kiv hv‡e bv|

Documents Submitted/cÖ‡qvRbxq KvMRcÎ

Salary Slip/ Pay Slip/Salary Certificate
m¨vjvwi w¯øc/†c- w¯øc/m¨vjvwi mvwU©wd‡KU eTIN/eTIN certificate/IT-88 etc.
Copy of National ID (for Bangladeshi national) or Passport (for foreign nationals only) BwUAvBGb/BwUAvBGb mvwU©wd‡KU/AvBwU-88 BZ¨vw`
RvZxq cwiPqc‡Îi Kwc (evsjv‡`kx bvMwi‡Ki Rb¨) A_ev cvm‡cv‡U©i Kwc (ïaygvÎ we‡`kx bvMwi‡Ki Rb¨) Memorandum/Article of Association
Bank Statements †g‡gvivÛvg/AvwU©‡Kjm Ae G¨v‡mvwm‡qkb
e¨vsK †÷U‡g›U
Standing Instruction to debit my account toward Saadiq Credit Card Payments
Trade License mvw`K †µwWU KvW© †c‡g‡›Ui †¶‡Î GKvD›U n‡Z †WweU Gi Rb¨ ÷¨vwÛs BÝUªvKkb
†UªW jvB‡mÝ
Others (Please specify)
National ID (NID) No.
Ab¨vb¨ (AbyMÖnc~e©K D‡jøL Kiæb)
RvZxq cwiPqcÎ (GbAvBwW) b¤^i
I, _______________________________________________ have read and understood Avwg,________________________________________________ DcwiwjøwLZ Ges
the above statements and the contents mentioned overleaf. I also confirm that the Aci c„ôvi mg¯Í Z_¨vw` c‡owQ Ges m¤c~Y© AeMZ n‡qwQ| Avwg †NvlYv KiwQ †h, GB Av‡e`bc‡Î
declaration provided by me in this form is true and correct. I confirm that I have not Avgvi cÖ`Ë Z_¨vw` m¤c~Y© wbf©‚j Ges mZ¨| Avwg AviI †NvlYv KiwQ †h, Avgvi mvw`K †µwWU
given any cash or cheque to any person of the Bank for the approval of this Saadiq KvW© Av‡e`bcÎwU Rb¨ e¨vs‡Ki m¤§wZ Av`v‡qi A_ev Ab¨ †Kvb D‡Ïk¨ mva‡b Avwg e¨vs‡Ki †Kvb
Credit Card Application or for any other purpose in relation to this Application. e¨w³‡K †Kvbiæc bM` UvKv A_ev †PK cÖ`vb Kwiwb|

I also confirm that Mr./Ms. ________________________________________________, Avwg †NvlYv KiwQ †h, Rbve/Rbvev _______________________________________,

Bearing BDO/RM code ____________________________ has explained to me all the wewWI/AviGg †KvW ______________________ Avgv‡K ÷¨vÛvW© PvU©vW© mvw`K †µwWU KvW©
features of Standard Chartered Credit Card. mswkøó welqvw` m¤c~Y©fv‡e eY©bv K‡i‡Qb|
January 2021 V1

I acknowledge that I have received a copy of this MID. Avwg wbwðZ KiwQ †h GB A½xKvi bvgvi GKwU Kwc Avwg ey‡S †c‡qwQ|

Applicant’s Signature Application Number

Date (dd/mm/yy)
*Conditions apply / *kZ© cÖ‡hvR¨
 Most Important Information for your Saadiq Credit Card Application
Avcbvi mvw`K †µwWU KvW© Av‡e`‡bi Rb¨ ¸iæZ¡c~Y© Z_¨vw`
(Global Usage Privileges apply/†Møvevj BD‡mR wcÖwf‡jR cÖ‡qvR¨)

I Frees & Fees I

Please make a note of the following Schedule of Charges, so that you remain fully Avcbvi mvw`K †µwWU KvW©-Gi Dci cÖ‡hvR¨ PvR©mg~n m¤ú‡K© c~Y© AeMwZi Rb¨ AbyMÖn K‡i
informed as to the charges applicable on your Saadiq Credit Card. wb‡Pi ZvwjKvwU AbymiY Kiæb :

Saadiq Visa Gold Credit Card Saadiq Visa Platinum Credit Card
mvw`K wfmv †Mvì †µwWU KvW© mvw`K wfmv cøvwUbvg †µwWU KvW©
General/mvaviY
Payment due date from statement date/
15 days/15 w`b
†÷U‡g‡›U D‡jøwLZ ZvwiL n‡Z †c‡g›U ZvwiL ch©šÍ cÖvc¨ mgq

1% of principal outstanding and full amount of any fees, charges and instalment amounts, if any (minimum BDT 500)
Minimum Amount Due /b~b¨Zg e‡Kqv
/g~j e‡Kqvi 1% I Ab¨vb¨ cwi‡kvabxq wd, PvR© Ges wKw¯Íi cwigvY-cÖ‡hvR¨ †ÿ‡Î (me©wb¤œ 500 UvKv)

Cash Advance Limit /K¨vk A¨vWfvÝ wjwgU 50% of credit limit/†µwWU wjwg‡Ui 50%

Fees / wd
Annual Fee (Primary Card)/evwl©K wd (cÖvBgvix KvW©) Tk. 3,000/3,000 UvKv Tk. 5,000/5,000 UvKv

Annual Fee (1st and 2nd Supplementary Card)/evwl©K wd (1g I 2q mvwcø‡g›Uvwi KvW©) FREE / wd«
3rd Supplementary Card & onwards/3q mvwcø‡g›Uvwi KvW©) Tk. 1,000/1,000 UvKv
Card Replacement Fee/KvW© cwieZ©‡bi wd Tk. 500/500 UvKv Tk. 1,000/1,000 UvKv
Late Payment Fee (Applicable if minimum due is not paid within due date) Tk. 500/500 UvKv
†jU †c‡g›U wd (wba©vwiZ mg‡qi g‡a¨ b~b¨Zg e‡Kqv cwi‡kva Kiv bv n‡j cÖ‡hvR¨)
Monthly Maintenance Fee/gvwmK †gBb‡U‡bÝ wd Tk. 2,500/2,500 UvKv Tk. 3,500/3,500 UvKv
Over Limit Service Fee/Ifvi wjwgU mvwf©m wd Tk. 1,000/1,000 UvKv
Global usage privileges/†Møvevj BD‡mR wcÖwf‡jR FREE / wd«
Access to Signature Lounge/wmM‡bPvi jvD‡Ä cÖ‡ekvwaKvi Not Applicable/cÖ‡hvR¨ bq Only Card holder/KvW©‡nvìv‡ii Rb¨
Priority Pass Membership Fee/cÖv‡qvwiwU cvm †g¤^vikxd wd Not Applicable/cÖ‡hvR¨ bq FREE / wd«
USD 27
Priority Pass Usage Fee/cÖv‡qvwiwU cvm BD‡mR wd Not Applicable/cÖ‡hvR¨ bq (For the Primary Card holder, 3 FREE visits per calendar year)
27 Wjvi
(cÖvBgvwi KvW© †nvìv‡ii Rb¨ cÖwZ eQi 3wU wd« wfwRU)
Passenger Handling Service/†c‡mbRvi †nÛwjs mvwf©m Not Applicable/cÖ‡hvR¨ bq FREE/wd« (Up to 2 persons)
Other Fees & Charges/Ab¨vb¨ wd I PvR©mg~n (mKj Kv‡W©i Rb¨ cÖ‡hvR¨)
Tk. 300/300 UvKv
Fund transfers from your credit card to Mobile Wallets through Online Banking or SC Mobile App will be
Cash Advance Service Fee/K¨vk A¨vWfvÝ mvwf©m wd treated as cash advance transaction, and incur cash advance fee.
÷¨vÛvW© PvU©vW© AbjvBb e¨vswKs A_ev SC †gvevBj A¨vc e¨envi K‡i †µwWU KvW© †_‡K †gvevBj Iqv‡j‡U †h‡Kvb dvÛ UªvÝdvi K¨vk A¨vWfvÝ UªvbRvKkb wn‡m‡e MY¨ n‡e
Ges †m‡¶‡Î K¨vk A¨vWfvÝ wd avh© n‡e|

1% of the transaction amount (Applicable when credit card is used to add money through mobile wallet portal)/
Wallet Loading Fee/Iqv‡jU †jvwWs wd †gvU †jb‡`‡bi 1% (†µwWU KvW© e¨envi K‡i †gvevBj Iqv‡jU †cvU©v‡j A¨vW gvwb-i †¶‡Î cÖ‡hvR¨)

Duplicate statement fee (last 2 months)/Wzwcø‡KU †÷U‡g›U wd (†kl 2 gvm) Tk. 300/300 UvKv
Duplicate statement fee (beyond last 2 months) Tk. 500/500 UvKv
Wzwcø‡KU †÷U‡g›U wd (†kl 2 gvm e¨vwZ‡i‡K Av‡Mi gvm ¸‡jvi Rb¨)
Returned cheque fee/wiUvb©W †PK wd Tk. 500/500 UvKv
CIB Processing Fee/wmAvBwe cÖ‡mwms wd Tk. 100/100 UvKv
Certificate charge/mvwU©wd‡KU PvR© FREE/wd«
Cheque book issuance Fee/†PK eyK Bm¨y‡qÝ wd: FREE/wd«
* 1st card cheque book (10 leaves)/1g KvW© †PKeyK (10 cvZv)
* 2nd cheque book and onwards (20 leaves)/2q Ges cieZ©x KvW© †PKeyK (20 cvZv) 20 Leaves: Tk. 200/20 cvZvi †PKeyK : 200 UvKv

Card Cheque Transaction Fee/KvW© †PK Uªv‡ÄKkb wd Tk. 1,000/1,000 UvKv

0% InstaBuys pre-closure fee/0% BÝUvevBm wcÖ-†K¬vRvi wd Tk. 1,000/1,000 UvKv
Closed Card Administrative Fee/eÜ Kv‡W©i A¨vW‡gwb‡÷ªwUf wd Tk. 500/500 UvKv
SMS Banking Transaction Alert fee/GmGgGm e¨vswKs Uªv‡ÄKkb A¨vjvU© wd FREE/wd«
Internet Banking/B›Uvi‡bU e¨vswKs FREE/wd«
e-Statements/B-†÷U‡g›Um FREE/wd«
Auto Billspay/A‡Uv wejm-†c FREE/wd«
15% VAT will be applicable/15 % f¨vU cÖ‡hvR¨ n‡e Effective from 01 January 2021 /01 Rvbyqvwi 2021 †_‡K Kvh©Ki n‡e
No reward points will be calculated for Card Cheque transactions/KvW© †PK-Gi †jb‡`‡bi †ÿ‡Î †Kvb cÖKvi wiIqvW© c‡q›U †hvM n‡e bv
Govt. excise duty is applicable as per Government Regulations/miKvix cÖweavb Abyhvqx AveMvix ïé cÖ‡hvR¨ n‡e

Other Key Points KwZcq D‡jøL‡hvM¨ welq

Blocking of card (in case of non-payment) KvW© eøwKs (†c‡g›U bv Kivi †¶‡Î cÖ‡hvR¨)
If you are availing multiple Credit Cards from Standard Chartered Bank, we reserve the right to block all hw` Avcwb ÷¨vÛvW© PvU©vW© e¨vs‡Ki GKvwaK KvW© e¨envi K‡i _v‡Kb Ges Avcbvi †h‡Kv‡bv GKwU Kv‡W©i †c‡g›U cwi‡kva bv
the Cards if any of the Cards goes into delinquency due to non-payment. Your Card will only be reinstated Kivi `iƒb KvW©wU e¨vs‡Ki Kv‡Q AwbqwgZ n‡q hvq, Z‡e †m‡¶‡Î e¨vsK Avcbvi e¨envi Kiv Acivci KvW©¸‡jv eøK K‡i †`qvi
once payment on each account is regulated and as per the Bank’s policy.
¶gZv msi¶Y K‡i| †KejgvÎ KvW© †c‡g›U wbqwgZ KiY Ges e¨vs‡Ki cwjwm AbymiY K‡iB Avcbvi KvW© cybivq Kvh©¶g Kiv
Disclosure of Information hv‡e|
You authorise the Bank to use and disclose detailed information relating to the Saadiq Credit Card
application and/or Saadiq Credit Card Account, your relationship with the Bank to any credit rating Z_¨cÖKvk/wWm‡K¬vRvi Ad Bbdi‡gkb
agency, bank, financial institution, leasing company, any regulatory authority with jurisdiction over the Avcbvi mvw`K †µwWU KvW© Av‡e`bcÎ, mvw`K †µwWU GKvD›U A_ev e¨vs‡Ki mv‡_ m¤cwK©Z †h‡Kv‡bv Z_¨vw` e¨vsK e¨envi
bank; any person required by a court of competent jurisdiction; any agent , contractor or third party service I cÖKv‡ki AwaKvi msi¶b K‡i Ges †Kvb †µwWU †iwUs ms¯’v, Ab¨vb¨ e¨vsK, Avw_©K cÖwZôvb, wjwRs †Kv¤cvbx, AvBb
*Conditions apply/*kZ© cÖ‡hvR¨

providers of the Bank, any potential assignee of the Bank, any company within the Standard Chartered cÖ‡qvMKvix ms¯’v, Av`vjZ KZ©…K `vwqZ¡cÖvß †Kvb e¨w³, ms¯’v, K›UªvKUi A_ev Z…Zxq c¶, e¨vsK KZ©…K `vwqZ¡cÖvß †Kvb e¨w³
Group and any other person under a duty of confidentiality to the Bank. Such disclosure will be made for
A_ev ÷¨vÛvW© PvU©vW© MÖæ‡ci †Kvb A½cÖwZôvb cÖ‡qvR‡b Avcbvi †h‡Kv‡bv Z_¨ we¯ÍvwiZ cÖKv‡ki me©mË¡ AwaKvi e¨vsK msi¶b
purposes as the Bank may in its sole discretion require and without any reference to you.
January 2021 V1

K‡i| †m‡¶‡Î Avcbvi †Kvb iKg c~e©vbygwZi cÖ‡qvRb †bB|

Please note
• Your Application Form and all supporting documents will form part of Bank’s records and will not be j¶¨bxq
returned. • Avcbvi Av‡e`bcÎ Ges Zrmswkó KvMRcÎ e¨vsK †iKW© wn‡m‡e msi¶b Ki‡e| d‡j `vwLjK…Z KvMRcÎ †diZ‡hvM¨ bq|
• The Bank may communicate with you through electronic means such as SMS, e-mail or facsimile • cÖ‡qvRb †gvZv‡eK e¨vsK Avcbvi mv‡_ B‡j±ªwbK †hvM‡hvM gva¨g; †hgb GmGgGm, B-‡gBj A_ev d¨v‡·i gva¨‡g
• The Bank reserves the right to reject this Application without assigning any reason
†hvMv‡hvM Ki‡e|
• †Kvb iKg cÖ`k©bc~e©K e¨vsK †µwWU KvW© Gi Rb¨ Avcbvi Av‡e`b evwZj Kivi AwaKvi msi¶b K‡i|
• Subject to approval of this Application, assignment of credit limit is at the sole discretion of the Bank
• Avcbvi Av‡e`bcÎwU e¨vsK KZ©…K M„nxZ nevi ci, e¨vsK †µwWU wjwgU wba©vi‡bi †¶‡Î me©mË¡ msi¶b K‡i|
STANDING ORDER FORM
Date __________________

CUSTOMER DETAILS

Name

Account Number

Telephone Extn. Reference (if required)

BENEFICIARY DETAILS

Name

Account Number

Branch

PAYMENT DETAILS

Payment by : Internal transfer

Currency & Amount: Including charges Excluding charges

Tenor: Minimum 6 months to Maximum 5 years

Frequency: Monthly Quarterly Half-yearly Annually Other (specify)

First Payment on Regular Payment on Last Payment on

Day Month Year Day Month Year Day Month Year

AUTHORITY
I/We confirm having read and understood the terms and conditions overleaf, please effect the above instructions.

Customer’s Signature

ACKNOWLDGEMENT
Dear Customer,
We confirm having noted the above standing order subject to our terms and conditions overleaf.

For Standard Chartered Bank Date

FOR BANK USE ONLY

Signature verified Authorised Checked ARS Code/SO No

Remarks
January 2021 V1

11 of 15
TERMS AND CONDITIONS GOVERNING
STANDING ORDERS

1. You will maintain sufficient balance in your account to enable the Bank 7. This order will remain effective notwithstanding the death or
to carry out the standing order on the payment date. bankruptcy/liquidation of the customer until notice of such date or
2. On the date of payment, the Bank reserves the right to determine the bankruptcy/liquidation or the revocation of this order is received by the
priority of the payment order against cheques presented to any other Bank.
existing arrangement made with Bank. 8. Any amendments/cancellations should reach the Bank at least one
3. In case of a payment date failing on a holiday, the Bank will effect the week before the next successive payment is due. A charge will be levied
payment on the next working day. for any now standing order and for each subsequent amendment.
4. If the account has sufficient funds, the Bank is not obliged to advise the 9. A commission charge will be levied for each periodic payment effected
customer. It may nevertheless exercise it’s discretion to remit the standing by the Bank. In addition, incidental postage and/or stamp duty, if
order in which case the customer must cover the cash-line immediately, or applicable, will also be levied.
alternatively, may not choose to execute the standing order at a later date. 10. The Bank may, at its discretion, levy a charge for each payment not
5. If there are insufficient funds in the account for three successive months, effected due to insufficient funds in the account.
irrespective of payment frequency, the Bank may cancel this instruction 11. Neither the Bank nor its branches, correspondents, or agents are
without any advice to the customer. responsible for any loss, delay, error or omission arising out of any mode
6. The Bank may terminate this standing order as to the future payments at of communication used for effecting these payments.
any time after being advised by the beneficiary/beneficiaries that no
further payment is required.

January 2021 V1

12 of 15
Declaration and Signature

I/We hereby declare that the above specified information is true. I/we will provide all information/documents as per the Bank’s
requirements.

I/We hereby declare that I/we have read and understood the Most Important Document (MID) and Terms and Conditions available at
www.sc.com/bd.If required I shall provide additional information at the request of the Bank.

I hereby confirm that upon completion of Standing Order (SO) for Saadiq Hajj Savers account, the entire amount to be transferred to my
respective transactional Standard Chartered account. I also, confirm not to withdraw any partial amount from this account and only
withdraw the entire accumulated amount at one go.

I have also read and undertsood Bangladesh Bank’s notice on Money Laundering Prevention Act, 2012 (MLPA, amended in 2015) and the
Anti Terrorism Act, 2009 (ATA, amended in 2013), available for download from www.sc.com/bd, and will co-operate the Bank and the
regulatory authority to prevent money laundering and terrorist financing in the country.

Declaration for Saadiq Credit Card

l/We are applying to open a credit card account with your bank. All my/our account related & personal information are attached herewith.
If required, l/we shall provide any additional information/documents at the request of the bank. If the credit card is granted, I shall solely
operate the card account unless otherwise instructed.

I/We declare that the information provided in this Application Form is true, complete and accurate and l/We have not willfully withheld any
material fact. I shall inform you of any changes thereto. I/We hereby authorise Standard Chartered Bank to verify any information pertaining
to this Application Form whatever sources it may consider appropriate. I/We accept that Standard Chartered Bank is entitled in its absolute
discretion to accept or reject this Application without assigning any reason whatsoever and that the Application and its supporting
documents shall become part of the Bank's records and shall not be returned to me.I hereby acknowledge that I have read and understood
the Terms & Conditions governing to Standard Chartered credit card (given in the last page of this Application Form) and agree to comply
with them. By signing on and/or activating and/or retaining and/or using my Standard Chartered Credit Card, I'll be bound by the Credit Card
Terms & Conditions. Upon approval of my Application l/We agree to pay the prevailing fees. Where requested, I authorise Standard
Chartered Bank to issue Supplementary Card (s) for use on my account to the person (s) named who I undertake is or over 18 years of age,
and is a resident of Bangladesh and I agree that you may provide information to him/her about the account. In consideration of the Bank
agreeing to accept my request for sending my Credit Card monthly statements to my e-mail address in lieu of paper statements sent through
courier service, I hereby agree that all statements (whether through e-Statements service or other means of transmission) sent by the Bank
for my Credit Card shall be accepted and upheld by me as correct and authentic. I declare that I shall not raise any objection against the
Bank on its agreeing the same and fully accept the risk and responsibility of statements transmitted by the bank. The Bank does not warrant
against any external factors affecting the privacy and/or security of e mails during internet transmission. I also agree to keep the Bank
indemnified against all actions, proceedings, liabilities and claims cases damages costs and expenses in relations to or arising out of so
accepting my request by the Bank and transmission statements and information through e-mail. I assure the Bank that I shall inform it in
writing of any change in my e-mail address or any request for discontinuation of this facility to Card Services, Standard Chartered Bank shall
not be liable or responsible for data corruption, delay and/or interception of the information so given and the Bank reserves the right to
update and vary such information from time to time and at any time. I hereby agree to indemnify the Bank against any loss, damage, liability
or cost incurred by the Bank on account of any breach by me or the Supplementary Cardholder. I also understand that the Supplementary
Card fees shall be billed in my statement and it shall be my primary responsibility to honour all charges incurred on the Supplementary Card.
The continuation of the membership of the Supplementary Cardholders shall be dependent on the continuation of my membership, I
assume full responsibility for complying with the provisions of the Foreign Exchange Regulation Act 1947, and rules, orders and directives
issued there under. I understand this card can be used for Internet transactions in line with Bangladesh Bank regulations pertaining to
Internet transactions which may change from time to time. I hereby declare that l/we agree to have my security items (viz. Contact Centre
TIN, Card Cheque, Internet Banking PIN, Credit Card PIN and other security items) delivered to my mailing address and also understand
that Card Cheque and Credit Card will be delivered in deactivated status for security reason.

I/We irrevocably authorise and permit the Standard Chartered Bank to disclose and furnish such information that it deems fit concerning
my Application, my business, accounts held with the Bank or my relationship with the Bank to the Bank's associates, branches, assignees,
agents or other parties. I also irrevocably authorise and permit the Bank to disclose information about my Application/account to any credit
rating /reference agency, bank, financial institution, any government regulatory agency or to any one else when the Bank deems it is in its
interest to do so. The Bank will immediately comply with disclosure of information to any authority under any law. The Bank shall have the
right to check my credit standing at any times as and when the Bank may deem fit without reference to me.

Terms & Conditions of Standard Chartered Bank (‘the Bank') for Cardholders availing the Card Cheque service:

In consideration of the Bank agreeing to accept my request for Card Cheque, the Bank may, in its absolute discretion, issue a Card Cheque
book in my name or in the name of my Supplementary Cardholder(s). If a Card Cheque book is issued, I undertake to be fully responsible
for its safe custody at all times and I will immediately notify the Bank if the Card Cheque book or any of the Card Cheques contained
therein, is lost or stolen. I understand that the Bank may in its absolute discretion, accept from me any stop cheque instructions (either
orally or in writing) in cases where I have lost the relevant Card Cheque or, in other circumstances in which it shall be allowed by the law
and agreed by the Bank. Should the Bank accept any such instruction from me or from some other person purporting to be me, I hereby
undertake to indemnify the Bank against any loss, damage, cost (including any legal cost) or demand incurred by it as a result of, or in
January 2021 V1

connection therewith. I take full responsibility of ensuring availability of necessary credit limit in my Credit Card while issuing a Card
Cheque. I also fully acknowledge, confirm and accept that the Card Cheque is subject to the laws of Bangladesh. I further acknowledge
and confirm that I shall pay the fees and charges as determined by the Bank for return of Card Cheques where my Card Cheque has been
returned due to unavailability of Credit Limit.

13 of 15
I acknowledge that activation of my Card Cheque book will constitute binding and conclusive evidence of my confirmation to be bound by
these Terms and Conditions.

Disclosure Clause:
I/We hereby consent to Standard Chartered Bank Bangladesh (the "Bank"), its officers and agents disclosing information relating to me/us
and my/our account(s) and/or dealing relationship(s) with the Bank, including but not limited to details of my/our facilities, any security
taken, transactions undertaken and balances and positions with the Bank, to (i) the head office of the Bank, any of its subsidiaries or
subsidiaries of its holding company, affiliates, representative and branch offices in any jurisdiction (the "Permitted Parties"); (ii) professional
advisers and service providers of the Permitted Parties who are under a duty of confidentiality to the Permitted Parties; (iii) any actual or
potential participant or sub participant in relation to any of the Bank's rights and/or obligations under any agreement between us, or
assignee, novatee or transferee (or any agent or adviser of any of the foregoing); (iv) any rating agency, insurer or Insurance/Takaful broker
of, or direct or indirect provider of credit protection to any Permitted Party; (v) any court or tribunal or regulatory, supervisory, governmental
or quasigovernmental authority with jurisdiction over the Permitted Parties.

Declaration on CIB Undertaking

I/We would like to authorise the Bank to retrieve my/our CIB report through CIB Online system based on the CIB undertaking provided with
this application. This undertaking is valid until we inform the Bank to disregard this instruction. You are also authorised to search CIB report
online as and when required by the Bank for the purpose of applied finance or credit card. Please note that for any change in personal
information or directorship (where applicable), we will notify the bank in writing to update the CIB database and obtain fresh CIB report.

Undertaking by Nominee
I/We do hereby declare that, I/We have accepted the nomination as given above. I/We may or may not become eligible for the balance
amount of the account holder(s) as nominee(s) and/or being the custodian(s) and trustee(s) of the said balance of the account holder(s).
I/We shall follow and comply with the prevailing laws of the land as nominee(s) and custodian(s) for this nomination.

PREMIUM ELIGIBILITY CRITERIA

I/We would like to open the account under the below criteria (please tick):
Minimum half-yearly average balance of BDT 1.0 Million in Current/Savings account

Please Attach Please Attach

Photograph(s) Here Photograph(s) Here
[Applicant] [Nominee/Legal Guardian]

Attested by Attested by
Introducer Applicant

Applicant’s Signature4 Nominee/Legal Guardian’s Signature

4
If the accountholder is a minor, guardian of accountholder will sign in place of Applicant’s signature.
January 2021 V1

14 of 15
 For Bank Use Only

Branch ICM Referance No. 1.

Branch Code ICM Referance No. 2.
Relationship No. ICDD Reference No.
Master Employer Code
Instt. Class ARM/PBM Code
LLID NB ARM Code
QLC Code Customer Segment Code

Sector Type Code Product Code

FAM Code
For Individual Lending: (if applicable)
Sector Code Deposit Code

Security Code Economic Purpose Code

SME Code Product Code

Transactional Profile
Important Notes: Transaction Profile of the account will be reviewed by the Bank as per the directions of Bangladesh Financial Intelligence
Unit (BFIU), Banking Regulation and Policy Department (BRPD) & Group CDD Standards.

Total Total
No. of Highest No. of Highest
Anticipated Type of Anticipated
Type of Anticipated Amount Anticipated Amount
Transaction(s) Withdrawal Transaction(s)
Deposit Transaction(s) of Single Transaction(s) of Single
Amount Amount
[Monthly] Transaction [Monthly] Transaction
[Monthly] [Monthly]

Cash Withdrawal
Cash (Including
(Including Online
Online & ATM)
& ATM)

Deposit through Payment through

transfer/Instrument transfer/instrument

Foreign Inward Foreign Outward

Remittance Remittance

Receipt of Export Payment against

Proceed Import

Deposit/transfer from Deposit/transfer in

BO (Stock market) BO (Stock market)
Account Account
Others Others
(Specify) (Specify)

Total Probable Total Probable

Deposit Withdrawal

(Account Opening Officer) (Account Opening Approver)

Name: Name:

Date: Date:

Seal: Seal:
January 2021 V1

15 of 15
Branch/Sub-branch Directory
Dhaka
Gulshan Branch Motijheel Branch CEPZ Branch
67 Gulshan Avenue Alico Building, 18-20 Motijheel C/A Zone Service Building
Chattogram Export Processing Zone
Gulshan North Branch Chawk Bazar Branch Free Port Road
Gulshan Centre Point 12 Water Works Road, Ward 39, Chattogram City Corporation
House 23 - 26, Road 90, Dalpatty, Chawkbazar P.S. Bandar, Chattogram
Gulshan - 2
Mirpur Branch Bogura
Islamic Banking Centre Plot-1, Road-12, Block-C, Bogura Branch
Gulshan Centre Point Section-6, Mirpur, Dhaka-1221 Shatani House, Sherpur Road
House 23 - 26, Road 90,
Gulshan - 2 Uttara Branch Khulna
Update Tower, Shahajalal Avenue
Khulna Branch
Banani Sub-branch Plot-1, Sector 6, Uttara
Jibon Bima Bhaban, KDA Avenue
14 Kemal Ataturk Avenue, Banani
Savar Branch
Sylhet
Bashundhara Sub-branch Dhaka Export Processing Zone,
Sylhet Branch
Haveily Center (GF), Ka-11/2/A, Zone Service Complex
7 Noya Sharak, Jail Road,
Jagannathpur,
Narayanganj Ward-16
Bashundhara Road, Dhaka.
Narayanganj Branch
Dhanmondi Road 5 Branch 26 Shaista Khan Road
House 6, Road 5, Dhanmondi R/A (near Narayanganj Club)

Satmasjid Road Branch Chattogram

Level 2, Taj Lily Green, Plot 51 Chattogram Main Branch
Satmasjid Road, Dhanmondi Sheikh Mujib Road, Agrabad
Dhaka 1205
Karnaphuli EPZ Branch
Kakrail Sub-branch Mohajan Golden Tower, 98/A, Mohajan
Karnaphuli Garden City, Ghata, Karnaphuli EPZ Gate,
109 Kakrail Road Patenga Road, Chattogram

Kawran Bazar Branch Nasirabad Branch

53 Kawran Bazar 1 Shahid Abdul Halim Road
East Nasirabad
Sonargaon Sub-branch
L101 Pan Pacific Sonargaon Hotel,
107 Kazi Nazrul Islam Avenue

InterContinental Sub-branch
InterContinental Dhaka Annex Building,
1 Minto Road, Ramna
January 2021 V1

Call our 24-hour Client Care Centre at 8332272 or 16233 (from mobile) or visit your
nearest Standard Chartered branch.