DEPOSIT ACCOUNT OPENING FORM

AvgvbZ wnmve †Lvjvi dig

Account Title
wnmv‡ei bvg

Account Number
wnmve b¤^i

Branch Name
kvLvi bvg
 REQUIRED DOCUMENTS
cÖ‡qvRbxq KvMRcÎ

Applicant(s) Authorised Signatory(ies)

A. GENERAL DOCUMENTS (mvaviY KvMRcÎ):
Av‡e`bKvix(†`i) Aby‡gvw`Z ¯^vÿiKvix(iv)

(1) Account Opening Form: to be filled in and signed by each Applicant, for institutional applicant official seal is required.
A¨vKvD›U †Lvjvi dig: hv cÖ‡Z¨K Av‡e`bKvix‡K c~iY I ¯^vÿi Ki‡Z n‡e, cÖvwZôvwbK Av‡e`bKvixi Rb¨ †Kv¤úvbx mxj cÖ‡hvR¨|
(2) Recent Passport size photograph (one copy) for each Applicant, to be attested by the introducer.
cÖ‡Z¨K Av‡e`bKvixi m`¨ †Zvjv cvm‡cvU© mvBR Qwe (GK Kwc), hv cwiPq cÖ`vbKvixi (whwb Av‡e`bKvix‡K BDbvB‡UW dvBb¨vÝ Gi wbKU cwiPq Kwi‡q‡Qb) Øviv mZ¨vwqZ n‡Z n‡e|
(3) Personal Information Form: to be filled in and signed by each Applicant.
e¨w³MZ Z‡_¨i dig: hv cÖ‡Z¨K Av‡e`bKvix‡K c~iY I ¯^vÿi Ki‡Z n‡e|
(4) Copy of National ID Card/ Valid Passport/ Valid Driving License/ Birth Certificate for each Applicant (see note below).
cÖ‡Z¨K Av‡e`bKvixi RvZxq cwiPqcÎ/ ‰ea cvm‡cvU©/ ˆea WªvBwfs jvB‡mÝ/ Rb¥ wbeÜb mb` Gi GK Kwc (wb‡P `ªóe¨)|
(5) Copy of TIN (Tax Identification Number) certificate (if applicable).
wUb mvwU©wd‡KU (U¨v· mbv³KiY b¤^i) GK Kwc (cÖ‡hvR¨ †ÿ‡Î)|
(6) Insurance Application and Good Health Declaration Form (for Insured Deposit Scheme): to be filled in and signed by First Applicant.
BÝy¨‡iÝ G¨vwcø‡Kkb Ges ¸W †nj&_ wWK¬v‡ikb dig (exgvK…Z mÂq cÖK‡íi Rb¨): hv cÖ_g Av‡e`bKvix‡K c~iY I ¯^vÿi Ki‡Z n‡e|
(7) Copy of MICR Cheque: if instalment payment mode is through BEFTN.
Gg.AvB.wm.Avi †PK Gi d‡UvKwc: hw` wKw¯Í cwi‡kva we.B.Gd.wU.Gb-Gi gva¨‡g Kiv nq|

Nominee(s) Legal Guardian(s) Account Operator(s) Beneficial Owner(s)

B. SPECIFIC DOCUMENTS (wba©vwiZ KvMRcÎ):
bwgwb(†`i) AvBbvbyM AwffveK(†`i) A¨vKvD›U Acv‡iUi(†`i) wnmv‡ei cÖK„Z myweav‡fvMx(iv)

(8) Personal Information Form: to be filled in and signed by each Individual (as selected)
e¨w³MZ Z‡_¨i dig: hv cÖ‡Z¨K wbe©vwPZ e¨w³‡K c~iY I ¯^vÿi Ki‡Z n‡e|
(9) Recent Passport size photograph (one copy) for each Individual (as selected), to be attested by the Applicant. In case of Guardian, to be attested by DA.
cÖ‡Z¨K wbe©vwPZ e¨w³i m`¨ †Zvjv cvm‡cvU© mvBR Qwe, hv Av‡e`bKvixi Øviv mZ¨vwqZ n‡Z n‡e| Awffve‡Ki †ÿ‡Î wW‡cvwRU G‡mvwm‡qUi Øviv mZ¨vwqZ n‡Z n‡e|
(10) Copy of National ID Card/ Valid Passport/ Valid Driving License/ Birth Certificate for each Individual (see note below).
cÖ‡Z¨K e¨w³i RvZxq cwiPqcÎ/ ‰ea cvm‡cvU©/ ˆea WªvBwfs jvB‡mÝ/ Rb¥ wbeÜb mb` Gi GK Kwc (wb‡P `ªóe¨)|

Proprietorship/ Partnership/ Private Limited/ Public Limited Company

C. GENERAL DOCUMENTS (mvaviY KvMRcÎ):
GKgvwjKvbv/ Askx`vix/ cÖvB‡fU wjwg‡UW/ cvewjK wjwg‡UW †Kv¤úvbx

(11) Organisational Information Form: to be filled in and signed by the Authorised Signatory(ies) (official seal required).
cÖvwZôvwbK Z‡_¨i dig: Aby‡gvw`Z e¨w³i Øviv c~iY I ¯^vÿi Ki‡Z n‡e (†Kv¤úvbx mxj cÖ‡hvR¨)|
(12) Copy of updated Trade License.
‰ea †UªW jvB‡mÝ Gi Kwc|
(13) Copy of VAT Resigtration Certificate (if applicable).
f¨vU wbeÜb mb` Gi GK Kwc (cÖ‡hvR¨ †ÿ‡Î)|
(14) Copy of TIN (Tax Identification Number).
wUb mvwU©wd‡KU (U¨v· mbv³KiY b¤^i) Gi GK Kwc|

Partnership Concern
D. SPECIFIC DOCUMENTS (wba©vwiZ KvMRcÎ):
Askx`vix cÖwZôvb

(15) Partners' Resolution: regarding account opening and operating instruction with United Finance Limited.
Askx`vi †iRy¨jykb: BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi mv‡_ A¨vKvD›U †Lvjv Ges cwiPvjbv msµvšÍ wb‡`©kvejx wel‡q D‡jøL Kiv _vK‡Z n‡e|
(16) Copy of RJSC issued/ Notarised Partnership Deed: to be attested by the Managing Partner.
Avi.‡R.Gm.wm Bmy¨K…Z/ †bvUvivBRW& cvU©bvikxc WxW& Gi Abywjwc: hv g¨v‡bwRs cvU©bvi Øviv mZ¨vwqZ n‡Z n‡e|

E. SPECIFIC DOCUMENTS (wba©vwiZ KvMRcÎ): Private/ Public Limited Company

cÖvB‡fU/ cvewjK wjwg‡UW †Kv¤úvbx

(17) Board Resolution: regarding account opening and operating instruction with United Finance Limited.
†evW© †iRy¨jykb: BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi mv‡_ A¨vKvD›U †Lvjv Ges cwiPvjbv msµvšÍ wb‡`©kvejx wel‡q D‡jøL Kiv _vK‡Z n‡e|
(18) Copy of RJSC issued Certificate of Incorporation: to be attested by the Chairman or Company Secretary.
Avi.‡R.Gm.wm Bmy¨K…Z mvwU©wd‡KU Ae BbK‡c©v‡ikb Gi Abywjwc: hv †Kv¤úvbx †Pqvig¨vb A_ev †m‡µUvwi Øviv mZ¨vwqZ n‡Z n‡e|
(19) Copy of RJSC issued Form XII: to be attested by the Chairman or Company Secretary.
Avi.‡R.Gm.wm Bmy¨K…Z dig-12 Gi Abywjwc: hv †Kv¤úvbx †Pqvig¨vb A_ev †m‡µUvwi Øviv mZ¨vwqZ n‡Z n‡e|

Association/ Club/ Society/ Trust/ Fund/ Charitable Organisation

F. SPECIFIC DOCUMENTS (wba©vwiZ KvMRcÎ):
G¨‡mvwm‡qkb/ K¬ve/ †mvmvBwU/ Uªv÷/ dvÛ/ `vZe¨ ms¯’v

(20) Organisational Information Form: to be filled in and signed by the Authorised Signatory(ies) (official seal required).
cÖvwZôvwbK Z‡_¨i dig: hv Aby‡gvw`Z e¨w³i Øviv c~iY I ¯^vÿi Ki‡Z n‡e (Awdwmqvj mxj cÖ‡hvR¨)|
(21) Committee Resolution: regarding account opening and operating instruction with United Finance Limited.
KwgwU †iRy¨jykb: BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi mv‡_ A¨vKvD›U †Lvjv Ges cwiPvjbv msµvšÍ wb‡`©kvejx wel‡q D‡jøL Kiv _vK‡Z n‡e|
(22) Copy of Registration Certificate/ Charter/ By-law: to be attested by the Authorised Signatory.
wbeÜb mvwU©wd‡KU/ PvU©vi/ evB-j Gi Abywjwc: hv Aby‡gvw`Z e¨w³i Øviv mZ¨vwqZ n‡Z n‡e|
(23) Copy of Regulations/ Constitution of the Organisation: to be attested by the Authorised Signatory.
MVbZ‡š¿i Abywjwc: hv Aby‡gvw`Z e¨w³i Øviv mZ¨vwqZ n‡Z n‡e|

Note (`ªóe¨):
- In case of Birth Certificate: duplicate copy of the certificate and a passport size photograph has to be attested by Union Parishad Chairman/ Ward Commissioner.
Rb¥ wbeÜb mb‡`i †ÿ‡Î: Gi Abywjwc Ges GKwU cvm‡cvU© mvBR Qwe, BDwbqb cwil` †Pqvig¨vb A_ev IqvW© Kwgkbvi KZ©„K mZ¨vwqZ n‡Z n‡e|

aiming to serve better...everyday 1 of 22

 ACCOUNT OPENING FORM
wnmve †Lvjvi dig

The Branch Manager, (kvLv e¨e¯’vcK) Application Date

Av‡e`‡bi ZvwiL
United Finance Limited (BDbvB‡UW dvBb¨vÝ wjwg‡UW)
________________________ Branch (kvLv)
Dear Sir/Madam, (wcÖq m¨vi/g¨vWvg) w`b gvm eQi
I/We hereby apply to open following selected deposit scheme at your branch. (Avwg/Avgiv Avcbvi kvLvq wb‡¤œ DwjøwLZ/ wbe©vwPZ AvgvbZ cÖKí †Lvjvi Rb¨ Av‡e`b KiwQ|)

(1) TYPE OF DEPOSIT SCHEME (mÂq cÖK‡íi aiY)

BUILD-UP DEPOSIT SCHEME INSURED SCHEME EARNER DEPOSIT SCHEME TERM DEPOSIT SCHEME
weì-Avc mÂq cÖKí exgvK…Z mÂq cÖKí Avb©vi mÂq cÖKí †gqv`x mÂq cÖKí

Millionaire Plus Scheme Insured Millionaire Plus Scheme Monthly Earner Term Deposit Quarter No.
wgwjIwbqvi cøvm cÖKí exgvK…Z wgwjIwbqvi cøvm cÖKí gvwmK Avb©vi †gqv`x mÂq †KvqvUv©i (b¤^i)

Easy Millionaire Scheme Insured Easy Millionaire Scheme Quarterly Earner Term Deposit Cumulative Profit Term Deposit
BwR wgwjIwbqvi cÖKí exgvK…Z BwR wgwjIwbqvi cÖKí ‰ÎgvwmK Avb©vi †gqv`x mÂq wKDgy¨‡jwUf cÖwdU †gqv`x mÂq

Shanchoy Scheme Insured Deposit Scheme Any Other Any Other

mÂq cÖKí exgvK…Z wW‡cvwRU cÖKí Ab¨vb¨ Ab¨vb¨

Any Other Insured Education Support Scheme

Ab¨vb¨ exgvK…Z GWz‡Kkb mv‡cvU© cÖKí

Any Other
Ab¨vb¨

Deposit Scheme details are available at the company website (mÂq cÖK‡íi we¯ÍvwiZ †Kv¤úvbx I‡qe mvB‡U †`Iqv Av‡Q)

(2) TYPE OF RENEWAL (bevq‡bi aiY)

Principal with Interest (except for Earner Schemes) Only Principal Amount Partial (specify amount)
my`mn g~jab (Avb©vi cÖKí e¨wZZ) ïaygvÎ g~jab AvswkK (cwigvY D‡jøL Kiæb)

(3) NAME OF ACCOUNT/ ACCOUNT TITLE IN CAPITAL LETTERS (wnmv‡ei bvg eo Aÿ‡i)

In English
Bs‡iRx‡Z

(4) NAME OF APPLICANT(S) (Av‡e`bKvixi bvg)

English
Applicant 1
Av‡e`bKvix 1
evsjv

English
Applicant 2
Av‡e`bKvix 2
evsjv

(5) DEPOSIT INFORMATION (Avgvb‡Zi Z_¨)

Initial Deposit Amount (BDT): Deposit Tenure (in Months):

cÖv_wgK Rgvi cwigvY (UvKvq): m‡qi †gqv` (gvm):

Monthly Instalment Amount (Applicable in case of Build-up Deposit Scheme and/or Insured Scheme):
gvwmK wKw¯Íi cwigvY (weì-Avc mÂq cÖKí Ges/A_ev exgvK…Z cÖK‡íi †ÿ‡Î cÖ‡hvR¨)

(6) INSTALMENT PAYMENT MODE (for Build-Up/Insured Scheme) wKw¯Í cÖ`v‡bi aiY (weì-Avc/exgvK…Z cÖK‡íi Rb¨)

Applicant's Bank Account Name (MÖvn‡Ki e¨vsK A¨vKvD›U Gi bvg) Bank Account Number (e¨vsK A¨vKvD›U b¤^i):
BEFTN
we.B.Gd.wU.Gb
Bank Name (e¨vsK Gi bvg) Branch Name (kvLvi bvg) Routing Number (ivDwUs b¤^i)
RTGS
Avi.wU.wR.Gm

Wallet Account Number (Iqv‡jU A¨vKD›U b¤^i)

Mobile Wallet Wallet Status: Owned Others
†gvevBj Iqv‡jU Iqv‡jU Gi gvwjKvbv wbR¯^ Ab¨vb¨

Preferred Bank Name (cQ‡›`i e¨vsK bvg; †h e¨vs‡K Avcwb gvwmK wKw¯Í Rgv w`‡Z ¯^v”Q›`¨‡eva K‡ib)
Cash/ Cheque Deposit
bM`/ †PK wW‡cvwRU

aiming to serve better...everyday 2 of 22

 ACCOUNT OPENING FORM
wnmve †Lvjvi dig

(7) OPERATING INSTRUCTION

cwiPvjbv msµvšÍ wb‡`©kvejx

Only Applicant 1 Only Applicant 2 Joint Applicant Either or Survivor Third Party Legal Guardian
ïaygvÎ Av‡e`bKvix 1 ïaygvÎ Av‡e`bKvix 2 †hŠ_ Av‡e`bKvix †h †Kvb A_ev RxweZ Z…Zxq cÿ AvBbvbyM AwffveK
If Account will be Operated by Third Party, Operator Name
wnmve Z…Zxq cÿ Øviv cwiPvwjZ n‡j, cwiPvj‡Ki bvg

Relation with Applicant

Av‡e`bKvixi mv‡_ m¤úK©
Note: The ‘Account Operator’ is required to fill up ‘Personal Information Form’. Signature of Account Operator
wnmve cwiPvjbvKvix‡K Ôe¨w³MZ Z_¨ digÕ c~iY Ki‡Z n‡e| wnmve cwiPvjbvKvixi ¯^vÿi

(8) SOURCE OF FUNDS

Znwe‡ji Drm

Salary Income Own Savings Gift/ Inheritance Bonus/ Other Benefits

†eZb n‡Z Avq wbR¯^ mÂq Dcnvi/DËivaxKvi jä †evbvm/ Ab¨vb¨ myweavw`

Sale of Property Foreign Remittance Investment Return Other, specify

m¤úwË weµq we‡`k n‡Z †cÖwiZ A_© wewb‡qvM n‡Z Avq Ab¨vb¨, D‡jøL Kiæb

Specify in details (we¯ÍvwiZ D‡jøL Kiæb)

(9) NOMINEE DETAILS (bwgwbi we¯ÍvwiZ)

NOMINEE 1 NOMINEE 2
bwgwb 1 bwgwb 2
Nominee Name
bwgwbi bvg

Relation with Applicant

Av‡e`bKvixi mv‡_ m¤úK©

Nominee Share (in %)

bwgwbi Ask (kZKiv)

Declaration I/We hereby nominate the above person to receive the entire Avwg/Avgiv, wb‡¤œ DwjøwLZ ¯^vÿiKvix(MY), GZØviv Avgvi/Avgv‡`i g„Zz¨‡Z A¨vKvD‡›U/wnmv‡e
†NvlYv balance deposited in the account, upon my/our death. I/We RgvK…Z m¤ú~Y© AvgvbZ MÖnY Kivi Rb¨ Dc‡ivwjøwLZ e¨w³‡K g‡bvbxZ KiwQ| A¨vKvD›U/wnmve
hereby reserve the right to cancel/amend the mentioned eÜ Kivi Av‡M †h †Kvb mgq wjwLZ Av‡e`b Rgv †`qvi gva¨‡g Avwg/Avgiv DwjøwLZ g‡bvbvqb
nomination upon submitting written request at any time before evwZ‡ji/ms‡kva‡bi AwaKvi ivwL| Avwg/Avgiv AviI †NvlYv KiwQ †h Avgv‡`i wb‡`©‡k †Kvb
account closing. I/We further declare that United Finance Limited †jb‡`b wbe©v‡ni Rb¨ BDbvB‡UW dvBb¨vÝ wjwg‡UW †Kvbfv‡e `vqe× n‡e bv|
will not be liable in case of executing any transaction at my/our
instruction(s).

Signature
¯^vÿi
Applicant / Legal Guardian Applicant / Legal Guardian
Av‡e`bKvix AvBbvbyM AwffveK Av‡e`bKvix AvBbvbyM AwffveK

(10) APPLICANT(S) DECLARATION (AvgvbZKvix(‡`i) †NvlYv)

Declaration I/We confirm that the information provided in this form is Avwg/Avgiv wbwðZ KiwQ †h/wbðqZv w`w”Q †h, GB digwU‡Z cÖ`Ë mKj Z_¨ mwVK/wbf‚©j|
†NvlYv accurate. I/We acknowledge that, my/our deposit scheme(s) Avwg/Avgiv †g‡b wbw”Q/¯^xKvi KiwQ †h, Avgvi/Avgv‡`i AvgvbZ cÖKíwU, Av‡e`b di‡g
shall be governed by the instruction provided in the application DwjøwLZ/cÖ`Ë wb‡`©kvejx Øviv wbqwš¿Z/cwiPvwjZ n‡e Ges GmKj wb‡`©kvejxi wfwˇZ
form and any action taken by United Finance Limited based on BDbvB‡UW dvBb¨vÝ wjwg‡UW KZ…©K M„nxZ mKj c`‡ÿc Avgvi/Avgv‡`i Rb¨ eva¨Zvg~jK
these instructions shall be binding upon me/us. _vK‡e|

Signature
¯^vÿi
Applicant 1 / Legal Guardian Applicant 2 / Legal Guardian
Av‡e`bKvix 1 AvBbvbyM AwffveK Av‡e`bKvix 2 AvBbvbyM AwffveK

Signature Date
¯^vÿ‡ii ZvwiL
w`b gvm eQi w`b gvm eQi

aiming to serve better...everyday 3 of 22

 ACCOUNT OPENING FORM
wnmve †Lvjvi dig

(11) MINOR DETAILS (bvevj‡Ki we¯ÍvwiZ)

MINOR 1 MINOR 2
bvevjK 1 bvevjK 2
Minor Name
bvevj‡Ki bvg

Date of Birth
Rb¥ ZvwiL
w`b gvm eQi w`b gvm eQi
Birth Registration No.
Rb¥ wbeÜb b¤^i

Minor Status Applicant / Nominee Applicant / Nominee

bvevj‡Ki gh©v`v Av‡e`bKvix bwgwb Av‡e`bKvix bwgwb

Legal Guardian’s Name

Awffve‡Ki bvg

Legal Guardian’s Relation

with Minor (bvevj‡Ki mv‡_ AvBbvbyM
Awffve‡Ki m¤úK©)

Legal Guardian’s Declaration I/We, being the Legal Guardian of the above mentioned GZØviv Dc‡i DwjøwLZ Av‡e`bKvixi AvBbvbyM AwffveK wn‡m‡e Avwg/Avgiv GB g‡g©
AvBbvbyM Awffve‡Ki †NvlYv applicant, do hereby declare that the above mentioned †NvlYv KiwQ †h, D³ Av‡e`bKvix GKRb bvevjK| Zvi Rb¨ cÖ‡qvRbxq/cÖ‡hvR¨ mKj Z_¨
applicant is a minor. His/Her required information is provided mshy³ e¨w³MZ Z_¨ dig G cÖ`vb Kiv n‡q‡Q| cieZ©x wb‡`©kbv bv †`Iqv ch©šÍ Ges/A_ev
in the attached ‘Personal Information Form’. The account will Av‡e`bKvix cÖvß eq¯‹ bv nIqv ch©šÍ Av‡e`bKvixi AvBbvbyM AwffveK nIqvq, wnmvewU
be operated under my signature as the Legal Guardian of the Avgvi ¯^vÿ‡ii Aax‡b/ZË¡veav‡b cwiPvwjZ n‡e|
applicant, until further notice and/or till the applicant attains
maturity.

Legal Guardian’s Signature

AvBbvbyM Awffve‡iK ¯^vÿi
Signature of Legal Guardian (AvBbvbyM Awffve‡Ki ¯^vÿi) Signature of Legal Guardian (AvBbvbyM Awffve‡Ki ¯^vÿi)

Signature Date
¯^vÿ‡ii ZvwiL
w`b gvm eQi w`b gvm eQi

Notes (`ªóe¨):
- 'Personal Information Form' must be filled in for both the 'Nominee' and 'Legal Guardian' (if any). In case of 'Nominee' as Minor, both the forms must be signed
by the 'Legal Guardian'. (Ôe¨w³MZ Z‡_¨i digwUÕ, bwgwb Ges AvBbvbyM AwffveK (hw` _v‡K) Dfq‡K Aek¨B c~iY Ki‡Z n‡e| bwgwb bvevjK n‡j †m‡ÿ‡Î Dfq dig mg~n AvBbvbyM AwffveK‡K ¯^vÿi Ki‡Z n‡e|)
- Opening of this scheme is not related to any form of financing facility from United Finance Limited, nor does it give any commitment or guarantee for granting any
financing facility, except for loans against the deposit in applicable cases, in the future. (GB cÖKíwU Pvjy Kivi mv‡_ BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi Ab¨vb¨ Avw_©K †mevi †Kvb cÖKvi m¤úK© †bB
Ges †Kv¤úvbx Ab¨ †Kvb cÖKvi Avw_©K †mev cÖ`v‡bi cÖwZkÖæwZ ev Aw½Kvi K‡i bv| fwel¨‡Z e¨wZµg wn‡m‡e ïaygvÎ cÖ‡hvR¨ †ÿ‡Î Avgvb‡Zi wecix‡Z FY †`Iqv †h‡Z cv‡i|)

aiming to serve better...everyday 4 of 22

 PERSONAL INFORMATION FORM-1
e¨w³MZ Z‡_¨i dig

Application Date Customer ID:

Av‡e`‡bi ZvwiL MÖvn‡Ki AvBwW
w`b gvm eQi

(1) CUSTOMER TYPE (Based on Relationship with the Deposit Account)

MÖvn‡Ki aiY (mÂq wnmvewUi mv‡_ m¤ú‡K©i wfwˇZ)

Applicant 1 Applicant 2 Nominee 1 Nominee 2

Av‡e`bKvix 1 Av‡e`bKvix 2 bwgwb 1 bwgwb 2

Legal Guardian Account Operator Beneficial Owner Attorney Holder Attach Photo
AvBbvbyM AwffveK wnmve cwiPvjbvKvix wnmv‡ei cÖK„Z myweav‡fvMx A¨vUvwb© †nvìvi/ cÖwZwbwa
mshy³ Qwe
Authorised Signatory Proprietor Partners Director
Aby‡gvw`Z ¯^vÿiKvix †cÖvcvBUi Askx`vi cwiPvjK

Trustee Other
Uªvw÷ Ab¨vb¨

(2) RELATIONSHIP WITH UNITED FINANCE LIMITED

BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi mv‡_ m¤úK©

Relationship Status New Existing If Existing, Specify an Account Number:

m¤ú‡K©i Ae¯’v bZzb we`¨gvb we`¨gvb n‡j, †h‡Kvb GKwU wnmve b¤^i D‡jøL Kiæb:

(3) PERSONAL INFORMATION OF THE CUSTOMER

MÖvn‡Ki e¨w³MZ Z_¨

Customer Name English

MÖvn‡Ki bvg

evsjv

Father’s Name English

wcZvi bvg

evsjv

Mother’s Name English

gvZvi bvg

evsjv

Spouse’s Name English

¯^vgx/¯¿xi bvg

evsjv

Gender Male Female Other Date of Birth

wj½ cyiæl gwnjv Ab¨vb¨ Rb¥ ZvwiL

Marital Status Married Single Other Marriage Anniversary

‰eevwnK Ae¯’v weevwnZ AweevwnZ Ab¨vb¨ weevn evwl©Kx

Nationality Bangladeshi Other TIN (if Applicable)

RvZxqZv evsjv‡`kx Ab¨vb¨ wU.AvB.Gb (cÖ‡hvR¨ n‡j)

Residency Status Resident Non-Resident No. of Dependents

emev‡mi Ae¯’v Awaevmx cÖevmx wbf©ikx‡ji msL¨v

Note: Applicant(s) must be a Bangladeshi citizen or an Organisation incorporated under the law of Bangladesh.
Av‡e`bKvix‡K Aek¨B evsjv‡`kx bvMwiK A_ev evsjv‡`kx AvB‡bi AvIZvq wbewÜZ cÖwZôvb n‡Z n‡e|

(4) EMERGENCY CONTACT INFORMATION IN BANGLADESH

evsjv‡`‡k Riæwi †hvMv‡hv‡Mi Z_¨

Contact Name Mobile No.

†hvMv‡hv‡Mi bvg †gvevBj bs

Mailing Address
†hvMv‡hv‡Mi wVKvbv

Upazila/Thana City/District Email (if any)

Dc‡Rjv/_vbv kni/†Rjv B‡gBj (hw` _v‡K)

aiming to serve better...everyday 5 of 22

 PERSONAL INFORMATION FORM-1
e¨w³MZ Z‡_¨i dig

(5) IDENTIFICATION DETAILS

mbv³Ki‡Yi weeiY

Type of ID National ID Passport Valid Driving License Other, Specify

cwiPqc‡Îi aiY RvZxq cwiPqcÎ cvm‡cvU© ˆea WªvBwfs jvB‡mÝ Ab¨vb¨, D‡jøL Kiæb

Identification No Expiry Date (if any)

mbv³KiY b¤^i †gqv` †kl nIqvi ZvwiL
(hw` _v‡K)

(6) CUSTOMER ADDRESS DETAILS

MÖvn‡Ki we¯ÍvwiZ wVKvbv
Present Address Upazila/ Thana
eZ©gvb wVKvbv Dc‡Rjv/ _vbv

City/ District Postal Code Country

kni/ †Rjv †cv÷vj †KvW †`k

Permanent Address Upazila/ Thana

¯’vqx wVKvbv Dc‡Rjv/ _vbv

City/ District Postal Code Country

kni/ †Rjv †cv÷vj †KvW †`k

Work Address Upazila/ Thana

Kg©¯’‡ji wVKvbv Dc‡Rjv/ _vbv

City/ District Postal Code Country

kni/ †Rjv †cv÷vj †KvW †`k

(7) CORRESPONDENCE ADDRESS

†hvMv‡hv‡Mi wVKvbv (BDbvB‡UW dvBb¨vÝ wjwg‡UW †h wVKvbvq Avcbv‡K Z_¨ cÖ`vb Ki‡eb)

Preferred Address Present Permanent Work Email Address

g‡bvbxZ wVKvbv eZ©gvb ¯’vqx Kg©¯’j B‡gBj

Telephone No. Mobile Number

†Uwj‡dvb b¤^i †gvevBj b¤^i

(8) REASONS FOR CHOOSING UNITED FINANCE LIMITED

BDbvB‡UW dvBb¨vÝ wbe©vP‡bi KviY

Direct Sales Convenient Location Advertising Service Quality/ Brand Reputation

mivmwi weµq myweavRbK Ae¯’vb weÁvcb †mevi gvb/ †Kv¤úvbxi mybvg
Recommendation Interest Rate Other, Specify
mycvwik my‡`i nvi Ab¨vb¨, D‡jøL Kiæb

(9) CUSTOMER PROFILE

MÖvnK m¤úwK©Z welq

Education Level Primary SSC Diploma HSC Graduation Post-Graduation

wkÿvMZ †hvM¨Z cÖv_wgK Gm.Gm.wm wW‡cøvgv GBP.Gm.wm ¯œvZK ¯œvZ‡KvËi

Occupation Public Service Private Service Self Employed Housewife Student

†ckv miKvix PvKzix †emiKvix PvKzix ¯^wbf©i M„wnbx wkÿv_©x

Retired Doctor/Engineer Other, Specify

AemicÖvß Wv³vi/BwÄwbqvi Ab¨vb¨, D‡jøL Kiæb

Occupation Details (if employed) †ckvi weeiY (Kg©iZ n‡j)

Organisation Name Manufacturing Trading Service
cÖwZôv‡bi bvg Drcv`bKvix evwYwR¨K †mev

Designation Experience (in Years) Office Phone

c`ex AwfÁZv (eQ‡i) Awdm †dvb

Monthly Below 15,000 15,000 to 30,000 30,000 to 50,000 50,000 to 1 Lac

Income (BDT) 15,000 Gi wb‡P 15,000 †_‡K 30,000 30,000 †_‡K 50,000 50,000 †_‡K 1 jÿ
gvwmK Avq (UvKvq)
1 Lac to 2 Lac 2 Lac to 3 Lac 3 Lac to 5 Lac Above 5 Lac
1 jÿ †_‡K 2 jÿ 2 jÿ †_‡K 3 jÿ 3 jÿ †_‡K 5 jÿ 5 jÿ Gi AwaK

(10) DECLARATION & SIGNATURE OF CUSTOMER

MÖvn‡Ki †NvlYv I ¯^vÿi
I, hereby declare that, all information furnished by me in this form is true, complete and
accurate in all respects and that I have not wilfully withheld any material fact.

Avwg, GB g‡g© †NvlYv KiwQ †h, GB digwU‡Z Avgvi Øviv cÖ`Ë mKj Z_¨ mZ¨, m¤ú~Y© Ges mwVK Ges Avwg B”QvK…Zfv‡e †Kvb cÖvmw½K Z_¨
†Mvcb Kwiwb|

Note (`ªóe¨): If the Customer is minor, Legal Guardian will sign this form. Customer / Legal Guardian
MÖvnK bvevjK n‡j, AvBbvbyM AwffveK ¯^vÿi w`‡eb| MÖvnK AvBbvbyM AwffveK

aiming to serve better...everyday 6 of 22

 PERSONAL INFORMATION FORM-2
e¨w³MZ Z‡_¨i dig

Application Date Customer ID:

Av‡e`‡bi ZvwiL MÖvn‡Ki AvBwW
w`b gvm eQi

(1) CUSTOMER TYPE (Based on Relationship with the Deposit Account)

MÖvn‡Ki aiY (mÂq wnmvewUi mv‡_ m¤ú‡K©i wfwˇZ)

Applicant 1 Applicant 2 Nominee 1 Nominee 2

Av‡e`bKvix 1 Av‡e`bKvix 2 bwgwb 1 bwgwb 2

Legal Guardian Account Operator Beneficial Owner Attorney Holder Attach Photo
AvBbvbyM AwffveK wnmve cwiPvjbvKvix wnmv‡ei cÖK„Z myweav‡fvMx A¨vUvwb© †nvìvi/ cÖwZwbwa
mshy³ Qwe
Authorised Signatory Proprietor Partners Director
Aby‡gvw`Z ¯^vÿiKvix †cÖvcvBUi Askx`vi cwiPvjK

Trustee Other
Uªvw÷ Ab¨vb¨

(2) RELATIONSHIP WITH UNITED FINANCE LIMITED

BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi mv‡_ m¤úK©

Relationship Status New Existing If Existing, Specify an Account Number:

m¤ú‡K©i Ae¯’v bZzb we`¨gvb we`¨gvb n‡j, †h‡Kvb GKwU wnmve b¤^i D‡jøL Kiæb:

(3) PERSONAL INFORMATION OF THE CUSTOMER

MÖvn‡Ki e¨w³MZ Z_¨

Customer Name English

MÖvn‡Ki bvg

evsjv

Father’s Name English

wcZvi bvg

evsjv

Mother’s Name English

gvZvi bvg

evsjv

Spouse’s Name English

¯^vgx/¯¿xi bvg

evsjv

Gender Male Female Other Date of Birth

wj½ cyiæl gwnjv Ab¨vb¨ Rb¥ ZvwiL

Marital Status Married Single Other Marriage Anniversary

‰eevwnK Ae¯’v weevwnZ AweevwnZ Ab¨vb¨ weevn evwl©Kx

Nationality Bangladeshi Other TIN (if Applicable)

RvZxqZv evsjv‡`kx Ab¨vb¨ wU.AvB.Gb (cÖ‡hvR¨ n‡j)

Residency Status Resident Non-Resident No. of Dependents

emev‡mi Ae¯’v Awaevmx cÖevmx wbf©ikx‡ji msL¨v

Note: Applicant(s) must be a Bangladeshi citizen or an Organisation incorporated under the law of Bangladesh.
Av‡e`bKvix‡K Aek¨B evsjv‡`kx bvMwiK A_ev evsjv‡`kx AvB‡bi AvIZvq wbewÜZ cÖwZôvb n‡Z n‡e|

(4) EMERGENCY CONTACT INFORMATION IN BANGLADESH

evsjv‡`‡k Riæwi †hvMv‡hv‡Mi Z_¨

Contact Name Mobile Number

†hvMv‡hv‡Mi bvg †gvevBj b¤^i

Mailing Address
†hvMv‡hv‡Mi wVKvbv

Upazila/Thana City/District Email (if any)

Dc‡Rjv/_vbv kni/†Rjv B‡gBj (hw` _v‡K)

aiming to serve better...everyday 7 of 22

 PERSONAL INFORMATION FORM-2
e¨w³MZ Z‡_¨i dig

(5) IDENTIFICATION DETAILS

mbv³Ki‡Yi weeiY

Type of ID National ID Passport Valid Driving License Other, Specify

cwiPqc‡Îi aiY RvZxq cwiPqcÎ cvm‡cvU© ˆea WªvBwfs jvB‡mÝ Ab¨vb¨, D‡jøL Kiæb

Identification No Expiry Date (if any)

mbv³KiY b¤^i †gqv` †kl nIqvi ZvwiL
(hw` _v‡K)

(6) CUSTOMER ADDRESS DETAILS

MÖvn‡Ki we¯ÍvwiZ wVKvbv
Present Address Upazila/ Thana
eZ©gvb wVKvbv Dc‡Rjv/ _vbv

City/ District Postal Code Country

kni/ †Rjv †cv÷vj †KvW †`k

Permanent Address Upazila/ Thana

¯’vqx wVKvbv Dc‡Rjv/ _vbv

City/ District Postal Code Country

kni/ †Rjv †cv÷vj †KvW †`k

Work Address Upazila/ Thana

Kg©¯’‡ji wVKvbv Dc‡Rjv/ _vbv

City/ District Postal Code Country

kni/ †Rjv †cv÷vj †KvW †`k

(7) CORRESPONDENCE ADDRESS

†hvMv‡hv‡Mi wVKvbv (BDbvB‡UW dvBb¨vÝ wjwg‡UW †h wVKvbvq Avcbv‡K Z_¨ cÖ`vb Ki‡eb)

Preferred Address Present Permanent Work Email Address

g‡bvbxZ wVKvbv eZ©gvb ¯’vqx Kg©¯’j B‡gBj

Telephone No. Mobile Number

†Uwj‡dvb b¤^i †gvevBj b¤^i

(8) REASONS FOR CHOOSING UNITED FINANCE LIMITED

BDbvB‡UW dvBb¨vÝ wbe©vP‡bi KviY

Direct Sales Convenient Location Advertising Service Quality/ Brand Reputation

mivmwi weµq myweavRbK Ae¯’vb weÁvcb †mevi gvb/ †Kv¤úvbxi mybvg
Recommendation Interest Rate Other, Specify
mycvwik my‡`i nvi Ab¨vb¨, D‡jøL Kiæb

(9) CUSTOMER PROFILE

MÖvnK m¤úwK©Z welq

Education Level Primary SSC Diploma HSC Graduation Post-Graduation

wkÿvMZ †hvM¨Z cÖv_wgK Gm.Gm.wm wW‡cøvgv GBP.Gm.wm ¯œvZK ¯œvZ‡KvËi

Occupation Public Service Private Service Self Employed Housewife Student

†ckv miKvix PvKzix †emiKvix PvKzix ¯^wbf©i M„wnbx wkÿv_©x

Retired Doctor/Engineer Other, Specify

AemicÖvß Wv³vi/BwÄwbqvi Ab¨vb¨, D‡jøL Kiæb

Occupation Details (if employed) †ckvi weeiY (Kg©iZ n‡j)

Organisation Name Manufacturing Trading Service
cÖwZôv‡bi bvg Drcv`bKvix evwYwR¨K †mev

Designation Experience (in Years) Office Phone

c`ex AwfÁZv (eQ‡i) Awdm †dvb

Monthly Below 15,000 15,000 to 30,000 30,000 to 50,000 50,000 to 1 Lac

Income (BDT) 15,000 Gi wb‡P 15,000 †_‡K 30,000 30,000 †_‡K 50,000 50,000 †_‡K 1 jÿ
gvwmK Avq (UvKvq)
1 Lac to 2 Lac 2 Lac to 3 Lac 3 Lac to 5 Lac Above 5 Lac
1 jÿ †_‡K 2 jÿ 2 jÿ †_‡K 3 jÿ 3 jÿ †_‡K 5 jÿ 5 jÿ Gi AwaK

(10) DECLARATION & SIGNATURE OF CUSTOMER

MÖvn‡Ki †NvlYv I ¯^vÿi
I, hereby declare that, all information furnished by me in this form is true, complete and
accurate in all respects and that I have not wilfully withheld any material fact.

Avwg, GB g‡g© †NvlYv KiwQ †h, GB digwU‡Z Avgvi Øviv cÖ`Ë mKj Z_¨ mZ¨, m¤ú~Y© Ges mwVK Ges Avwg B”QvK…Zfv‡e †Kvb cÖvmw½K Z_¨
†Mvcb Kwiwb|

Note (`ªóe¨): If the Customer is minor, Legal Guardian will sign this form. Customer / Legal Guardian
MÖvnK bvevjK n‡j, AvBbvbyM AwffveK ¯^vÿi w`‡eb| MÖvnK AvBbvbyM AwffveK

aiming to serve better...everyday 8 of 22

 ORGANISATION INFORMATION FORM
cÖvwZôvwbK Z‡_¨i dig

Application Date Customer ID:

Av‡e`‡bi ZvwiL MÖvn‡Ki AvBwW
w`b gvm eQi
(1) ORGANISATION TYPE
cÖwZôv‡bi aiY

Proprietorship Partnership Private Limited Public Limited Government

GKgvwjKvbv Askx`vix cÖvB‡fU wjwg‡UW cvewjK wjwg‡UW miKvix

Educational Institution NGO/ NPO Club/ Trust/ Fund* Other

wkÿv cÖwZôvb Gb.wR.I/ Gb.wc.I K¬ve/ Uªv÷/ dvÛ* Ab¨vb¨

(2) RELATION WITH UNITED FINANCE

BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi mv‡_ m¤úK©

Relationship Status New Existing If Existing, Specify An Account Number:

m¤ú‡K©i Ae¯’v bZzb we`¨gvb we`¨gvb n‡j, †h‡Kvb GKwU wnmve b¤^i D‡jøL Kiæb:

(3) ORGANISATION DETAILS

cÖwZôv‡bi we¯ÍvwiZ D‡jøL Kiæb

Organisation Name English

cÖwZôv‡bi bvg

evsjv

Trade License No. Expiry Date (if any)

†UªW jvB‡mÝ b¤^i †gqv` †kl nIqvi ZvwiL (hw` _v‡K)

Registration No. Incorporation Date

wbeÜb b¤^i wbeÜb ZvwiL

Organisation TIN Company Phone No.

cÖwZôv‡bi wU.AvB.Gb †Kv¤úvbxi †dvb b¤^i

(4) ORGANISATION ADDRESS

cÖwZôv‡bi wVKvbv

Registered Address Upazila/ Thana

wbewÜZ wVKvbv Dc‡Rjv/ _vbv

City/ District Postal Code Country

kni/ †Rjv †cv÷vj †KvW †`k

Corporate Address Upazila/ Thana

K‡c©v‡iU wVKvbv Dc‡Rjv/ _vbv

City/ District Postal Code Country

kni/ †Rjv †cv÷vj †KvW †`k

(5) ORGANISATION PROFILE

cÖwZôvb m¤úwK©Z welq

Annual Turnover (BDT) Less than 5 Crore 5 Crore to 20 Crore 20 Crore to 50 Crore
evwl©K UvY©Ifvi (UvKvq) 5 †KvwU Gi wb‡P 5 †KvwU †_‡K 20 †KvwU 20 †KvwU †_‡K 50 †KvwU

50 Crore to 100 Crore 100 Crore to 200 Crore Greater than 200 Crore
50 †KvwU †_‡K 100 †KvwU 100 †KvwU †_‡K 200 †KvwU 200 †KvwU Gi AwaK

Net Worth (BDT) Less than 10 Lac 10 to 50 Lac 50 Lac to 10 Crore

cÖwZôv‡bi wbU m¯ú‡`i 10 jÿ Gi wb‡P 10 jÿ †_‡K 50 jÿ 50 jÿ †_‡K 10 †KvwU
cwigvY (UvKvq)
10 Crore to 15 Crore 15 Crore to 30 Crore Greater than 30 Crore
10 †KvwU †_‡K 15 †KvwU 15 †KvwU †_‡K 30 †KvwU 30 †KvwU Gi AwaK

Employee Number Less than 10 11-25 26-50

Kg©x msL¨v 10 R‡bi wb‡P 11-25 Rb 26-50 Rb

50-100 101-150 More than 150

50-100 Rb 101-150 Rb 150 Rb Gi AwaK

Company Sector Manufacturing Trading Service

†Kv¤úvbxi LvZ Drcv`bKvix evwYwR¨K †mev
Please Assign Sector based on Products and Services of the Company:
†Kv¤úvbxi cY¨ I †mevi wfwˇZ †m±i D‡jøL Kiæb:

*In case of Organisation Type as Fund: Organisational Profile information is not required. (cÖwZôv‡bi aiY dvÛ n‡j: cÖwZôvb m¤úwK©Z welq cÖ‡hvR¨ bq|)

aiming to serve better...everyday 9 of 22

 ORGANISATION INFORMATION FORM
cÖvwZôvwbK Z‡_¨i dig
(6) CORRESPONDENCE ADDRESS
†hvMv‡hv‡Mi wVKvbv (BDbvB‡UW dvBb¨vÝ wjwg‡UW †h wVKvbvq Z_¨ cÖ`vb Ki‡eb)

Preferred Address Registered Corporate Email Address

†hvMv‡hvM wVKvbv wbewÜZ K‡c©v‡iU B‡gBj

(7) ASSOCIATED COMPANY DETAILS (if any)

mn‡hvMx †Kv¤úvbxi weeiY (hw` _v‡K)

1. Company Name Manufacturing Trading Service

cÖwZôv‡bi bvg Drcv`bKvix evwYwR¨K †mev

2. Company Name Manufacturing Trading Service

cÖwZôv‡bi bvg Drcv`bKvix evwYwR¨K †mev

3. Company Name Manufacturing Trading Service

cÖwZôv‡bi bvg Drcv`bKvix evwYwR¨K †mev

4. Company Name Manufacturing Trading Service

cÖwZôv‡bi bvg Drcv`bKvix evwYwR¨K †mev

Note (`ªóe¨): In case of more than 4 Associated Companies, please use a separate sheet.
(mn‡hvMx †Kv¤úvbxi msL¨v 4 Gi AwaK n‡j †m‡ÿ‡Î Avjv`v KvMR e¨envi Kiæb|)

(8) DECLARATION & SIGNATURE OF AUTHORISED PERSON (Avby‡gvw`Z e¨w³i ¯^vÿi I †NvlYv)

SIGNATORY 1 SIGNATORY 2
¯^vÿiKvix 1 ¯^vÿiKvix 2
Signatory Name
¯^vÿiKvixi bvg

Designation
c`ex

Declaration I/We hereby warrant that all information furnished by me/us in Avwg/Avgiv GZØviv †NvlYv KiwQ †h Avwg/Avvgv‡`i Øviv cÖ`Ë mg¯Í Z_¨ me©ve¯’vq mZ¨, m¤ú~Y©
†NvlYv this form is true, complete and accurate in all respects and that Ges wbf©yj Ges Avwg/Avgiv B”QvK…Zfv‡e †Kvb ¸iæZ¡c~b© Z_¨ †Mvcb Kwiwb|
I/we have not wilfully withheld any material fact.

Signature
¯^vÿi

Signature with Company Seal Signature with Company Seal

†Kv¤úvbxi mxjmn ¯^vÿi †Kv¤úvbxi mxjmn ¯^vÿi

Signature Date
¯^vÿ‡ii ZvwiL
w`b gvm eQi w`b gvm eQi

SIGNATORY 3 (Optional) SIGNATORY 4 (Optional)

¯^vÿiKvix 3 (Hw”QK) ¯^vÿiKvix 4 (Hw”QK)
Signatory Name
¯^vÿiKvixi bvg

Designation
c`ex

Declaration I/We hereby warrant that all information furnished by me/us in Avwg/Avgiv GZØviv †NvlYv KiwQ †h Avwg/Avvgv‡`i Øviv cÖ`Ë mg¯Í Z_¨ me©ve¯’vq mZ¨, m¤ú~Y©
†NvlYv this form is true, complete and accurate in all respects and that Ges wbf©yj Ges Avwg/Avgiv B”QvK…Zfv‡e †Kvb ¸iæZ¡c~b© Z_¨ †Mvcb Kwiwb|
I/we have not wilfully withheld any material fact.

Signature
¯^vÿi

Signature with Company Seal Signature with Company Seal

†Kv¤úvbxi mxjmn ¯^vÿi †Kv¤úvbxi mxjmn ¯^vÿi

Signature Date
¯^vÿ‡ii ZvwiL
w`b gvm eQi w`b gvm eQi

aiming to serve better...everyday 10 of 22

 TERMS AND CONDITIONS
kZ©vejx
Account Number (wnmv‡ei b¤^i)
Application Date
Av‡e`‡bi ZvwiL
w`b gvm eQi
(Awdm c~iY Ki‡e)

(1) APPLICANT’S ELIGIBILITY Av‡e`bKvixi †hvM¨Zv b. In case of demise of first Applicant, Internal Deceased Policy and Regulatory
a. Term Deposit Scheme, Earner Scheme, Millionaire Plus Scheme and Easy Millionaire Guidelines of United Finance Limited will be applicable.
Scheme is/are available for Bangladeshi Nationals aged 18 years and above and
cÖ_g Av‡e`bKvixi g„Zz¨i †ÿ‡Î, BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi B›Uvibvj wWwmm&W cwjwm GÛ †i¸‡jUwi
Organisations incorporated in Bangladesh.
MvBWjvBb Kvh©Ki n‡e|
evsjv‡`kx bvMwiK (eqm 18 eQi Ges Z`~aŸ©) I evsjv‡`‡k wbewÜZ cÖwZôv‡bi Rb¨ Uvg© wW‡cvwRU w¯‹g, Avb©vi w¯‹g,
wgwjIwbqvi cøvm Ges BwR wgwjIwbqvi w¯‹g cÖ‡hvR¨| c. Payment made by United Finance Limited to the nominee(s)/ successor(s)/ legal
heir(s) will be considered as full adjustment of United Finance Limited’s liability in
b. Shanchoy Scheme is available for Bangladeshi Nationals aged 18 years and above. respect to the deposit scheme.
mÂq cÖKí ïaygvÎ evsjv‡`kx bvMwiK, eqm 18 eQi Ges Z`~aŸ©, ch©v‡q cÖ‡hvR¨| bwgwb/ DËivwaKvix/ AvBbx DËivwaKvix-MY‡K BDbvB‡UW dvBb¨vÝ wjwg‡UW KZ©„K cÖ‡`q A_© DwjøwLZ/wba©vwiZ mÂq
c. Insured scheme(s) is/are allowed only for individuals (Bangladeshi National); aged
cÖK‡íi wecix‡Z AvgvbZKvixi wbKU BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi `v‡qi m¤ú~Y© mgš^q wnmv‡e we‡ewPZ n‡e|
over 18 years and within 56 years (for IDS and IESS) and below 60 years (for IEMS
and IMPS). Upon enrolment, insurance coverage is renewable till the age of 65.
(5) THIRD PARTY AS ACCOUNT OPERATOR wnmve cwiPvjK wn‡m‡e Z…Zxq cÿ
exgvK…Z cÖKí ïaygvÎ e¨w³ (evsjv‡`kx bvMwiK) ch©v‡q cÖ‡hvR¨; hvi eqmmxgv 18 †_‡K 56 eQ‡ii g‡a¨ a. Applicant(s) may appoint a third party to operate the deposit account on his/ her/ their
(AvB.wW.Gm I AvB.B.Gm.Gm Gi Rb¨) Ges 60 eQi eq‡mi wb‡P (AvB.B.Gg.Gm Ges AvB.Gg.wc.Gm Gi behalf. Instructions of such third party account operator shall be considered to have
Rb¨)| ZvwjKvfzw³i ci exgvi Kfv‡iR 65 eQi eqm ch©šÍ bevqb‡hvM¨| been issued by the Applicant and shall be binding on the Applicant(s). Such account
operator would be able to request for Account Statement, Balance Statement, Tax
Certificate, Embassy Letters, etc. All pertinent information regarding third party account
(2) GENERAL mvaviY operator should be provided at time of appointment.
a. United Finance Limited does not accept cash deposits and will not be liable for any
cash dealing with any of its Officials. United Finance Limited only accepts deposit Av‡e`bKvix, Z…Zxq †Kvb e¨w³‡K Zvi/ Zv‡`i c‡ÿ mÂq wnmve cwiPvjbvi Rb¨ wb‡qvM w`‡Z cvi‡eb| wnmve
through BEFTN/ RTGS/ Account Payee Cheque/ Pay Order/ MFS in favour of ‘United cwiPvjK wn‡m‡e wbhy³ Giƒc Z…Zxq †Kvb e¨w³i wbKU n‡Z cÖvß wb‡`©kvejx Av‡e`bKvixi wb‡`©k wn‡m‡e we‡ewPZ
Finance Limited’. n‡e Ges Zv‡`i Dci Av‡ivwcZ n‡e| Giƒc wnmve cwiPvjbvKvix wnmve weeiYx, Avq weeiYx, U¨v· mvwU©wd‡KU,
BDbvB‡UW dvBb¨vÝ wjwg‡UW bM` AvgvbZ MÖnY K‡i bv Ges †Kvb Kg©KZ©vi mv‡_ bM` Av`vb-cÖ`vb m¤úwK©Z `~Zvev‡m cÖ`Ë wPwV BZ¨vw`i Rb¨ Aby‡iva Ki‡Z cvi‡eb| G‡ÿ‡Î, A¨vKvD›U cwiPvjbvKvixi mg¯Í cÖvmw½K Z_¨
Kvh©Kjv‡ci Rb¨ `vqe× _vK‡e bv| BDbvB‡UW dvBb¨vÝ wjwg‡UW ïaygvÎ ÔBDbvB‡UW dvBb¨vÝ wjwg‡UWÕ Gi bv‡g wb‡qvMKvjxb mgq cÖ`vb Ki‡Z n‡e|
we.B.Gd.wU.Gb/ Avi.wU.wR.Gm/ A¨vKvD›U †c-†PK/ †c-AW©vi/ Gg.Gd.Gm Gi gva¨‡g AvgvbZ MÖnY K‡i _v‡K| b. Third party as account operator will not be entitled to avail Quick Loan Facility and draw
encashment value upon maturity or prematurely.
b. All payments made by United Finance Limited will be within Bangladesh and in BDT.
Z…Zxq e¨w³, wnmve cwiPvjK wn‡m‡e, ÔKzBK †jvbÕ myweav MÖnb Ges †gqv` c~wZ©i c~‡e© A_ev c‡i †Kvb cÖKvi D‡Ëvjb
BDbvB‡UW dvBb¨vÝ wjwg‡UW KZ„©K †h †Kvb cÖKvi cwi‡kva evsjv‡`‡ki g‡a¨ I evsjv‡`kx UvKvq n‡e|
Ki‡Z cvi‡e bv|
c. Nomination or succession of the deposited amount and/or account operation thereof
c. In case of demise of the first or all Applicant(s), the appointment of third party account
on the death of the authorised person shall be in accordance with the rules
operator shall immediately be considered cancelled.
prescribed by United Finance Limited This may be amended from time to time and
shall be effective at the time of the claim. cÖ_g A_ev mKj Av‡e`bKvixi g„Z¨z i †ÿ‡Î, Z…Zxq †Kvb e¨w³i wnmve cwiPvjbvKvix wb‡qvM evwZj wn‡m‡e MY¨ n‡e|
Av‡e`bKvix A_ev Aby‡gvw`Z e¨w³i g„Zz¨i †ÿ‡Î RgvK…Z A‡_©i g‡bvbvqb ev DËivwaKvix wbe©vPb Ges/A_ev
A¨vKvD›U cwiPvjbv msµvšÍ wel‡q BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi kZ©vejx cÖ‡hvR¨ n‡e| GB kZ©vejx mg‡qi (6) ACCOUNT ACTIVATION wnmve mPj Kib
mv‡_ ms‡kvwaZ n‡Z cv‡i Ges cÖKí wb®úwËi mgq we`¨gvb ms‡kvwaZ kZ©vejxB Kvh©Ki n‡e|
The deposit account will be activated only after the receiving of initial deposit amount
d. Applicant must inform United Finance Limited in writing, of any change in the or first instalment by United Finance Limited. The date on which the funds are received
information provided during opening of the deposit scheme. in the bank account of United Finance Limited, will be considered as the account
mÂq cÖKí †Lvjvi mgq cÖ`Ë Z‡_¨ †h †Kvb cwieZ©‡bi Rb¨ Av‡e`bKvix‡K BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi activation date.
eivei wjwLZfv‡e Rvbv‡Z n‡e| mÂq wnmvewU cÖviw¤¢K AvgvbZ A_ev cÖ_g wKw¯Í BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi wbKU Rgv nIqvi ci mwµq n‡e|
†h Zvwi‡L BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi e¨vsK A¨vKvD‡›U Znwej Rgv n‡q‡Q Zv wnmve mwµqKi‡bi ZvwiL wn‡m‡e
e. Transfer of scheme/ partial withdrawal/ switching with any other deposit product(s)/
we‡ewPZ n‡e|
scheme(s) during the tenure of a scheme is not allowed.
cÖKí †gqv`Kvjxb mg‡q †Kvb cÖKvi ¯’vbvšÍi/ AvswkK D‡Ëvjb/ Ab¨ †Kvb cÖK‡íi mv‡_ cwieZ©b Aby‡gvw`Z bq|
(7) DEPOSIT OF MONTHLY INSTALMENT (for Build-Up & Insured Scheme Only)
f. United Finance Limited shall not be held liable for any loss due to delay in service Avgvb‡Zi gvwmK wKw¯Í (ïaygvÎ weì Avc Ges BwÝDiW cÖK‡íi Rb¨)
delivery caused by any incidence that is beyond the Company control such as a. An Applicant can deposit monthly instalments to this deposit scheme through
catastrophe, war, civil or industrial disturbance, mechanical, electronic or computer BEFTN/ RTGS/ MFS from his/her account. In this case the deposit book issued by
failure etc. United Finance Limited is not required to make instalment payment.
BDbvB‡UW dvBb¨vÝ wjwg‡UW Zvi wbqš¿Y ÿgZvi evB‡i †h‡Kvb cwiw¯’wZ †hgb: cÖvK…wZK wech©q, hy×, bvMwiK ev GKRb wnmve avix Zvi A¨vKvD›U †_‡K we.B.Gd.wU.Gb/ Avi.wU.wR.Gm/ Gg.Gd.Gm Gi gva¨‡g GB mÂq cÖK‡íi
wkí wech©q, hvwš¿K, B‡jKUªwbK ev Kw¤úDUvi ÎæwU BZ¨vw`i Rb¨ hw` †mev cÖ`v‡b wej¤^ nq A_ev `y:mva¨ n‡q `uvovq, gvwmK wKw¯Í cwi‡kva Ki‡Z cv‡ib| GB †ÿ‡Î gvwmK wKw¯Í cwi‡kva Kivi Rb¨ BDbvB‡UW dvBb¨vÝ wjwg‡UW KZ…©K
Giƒc Kvi‡Y D™¢zZ †h †Kvb cÖKvi Avw_©K ÿwZi Rb¨ `vqe× _vK‡e bv| Bmy¨K…Z Rgv eBwU e¨envi Kivi cÖ‡qvRb †bB|
g. The prevailing interest rate, on the date the deposit amount is collected in the bank b. In case of deposit payments through cheque or pay-order, a customized deposit
account of United Finance, will be the applicable Interest rate for this deposit book (as indicated in the account opening form) will be provided for this deposit
product. This interest rate will be mentioned on the deposit instrument which is an scheme. The deposit book must be used to make instalment for this scheme.
integral part of this account application. Monthly instalment can be deposited either in cheque/ pay order/ cash to the
†h Zvwi‡L Avgvb‡Zi A_© BDbv‡UW dvBb¨vÝ wjwg‡UW Gi e¨vsK A¨vKvD‡›U Rgv n‡e, †mB Zvwi‡Li we`¨gvb my‡`i designated bank account through this deposit book. The deposit book must be
nvi GB cÖK‡íi my‡`i nvi wn‡m‡e we‡ewPZ n‡e| D³ my‡`i nvi AvgvbZ `wj‡j DwjøwLZ _vK‡e hv GB Av‡e`b preserved by the Applicant for any future reference.
c‡Îi Awe‡”Q`¨ Ask| †PK A_ev †c-AW©vi Gi gva¨‡g cÖ‡`q Rgv `v‡bi †ÿ‡Î, GKwU Kv÷gvBR Rgv eB (A¨vKvD›U †Lvjvi Av‡e`b
di‡g cÖ`Ë wb‡`©k Abyhvqx) †`Iqv n‡e| GB cÖK‡íi wKw¯Í cwi‡kva Kivi Rb¨ Rgv eBwU Aek¨B e¨envi Ki‡Z
n‡e| gvwmK wKw¯Í wba©vwiZ e¨vsK A¨vKvD‡›U †PK/ †c-AW©vi/ bM`, †h †Kvb GKwU gva¨‡g GB Rgv eBwU e¨envi
(3) MINOR’S ACCOUNT bvevj‡Ki A¨vKvD›U K‡i cwi‡kva Kiv hv‡e| fwel¨r cÖ‡qvR‡b Av‡e`bKvix‡K Rgv eBwU Aek¨B msiÿY Ki‡Z n‡e|
a. A deposit account may be opened on behalf of a minor by his/her natural Legal
Guardian or by a Legal Guardian appointed by the court of Competent Jurisdiction. c. Monthly instalment should be deposited within the 15th of each month. If the
Upon the minor attaining majority, the right of the Legal Guardian to operate the deadline of payment is on a holiday, instalment should be deposited on the previous
account shall cease and any balance in the account will be deemed to belong working day. Advance payment of any number of monthly instalments is allowed.
exclusively to the hitherto minor who has attained majority. cÖ‡Z¨K gv‡mi 15 Zvwi‡Li g‡a¨ gvwmK wKw¯Í Rgv Ki‡Z n‡e| hw` cwi‡kv‡ai me©‡kl w`‡b QzwU _v‡K, Z‡e c~e©eZ©x
bvevj‡Ki c‡ÿ Zvi Rb¥MZ AvBbvbyM AwffveK A_ev Dchy³ wePvie¨e¯’v Øviv wbhy³ AvBbvbyM AwffveK AvgvbZ Kg© w`e‡mi g‡a¨ wKw¯Í Rgv Ki‡Z n‡e| gvwmK wKw¯Í, †h †Kvb msL¨vq, AwMÖg cwi‡kva Kiv †h‡Z cv‡i|
cÖKí Pvjy Ki‡Z cv‡i| bvevjK cÖvßeq®‹ nIqvi ci, Awffve‡Ki A¨vKvD›U cwiPvjbv Kivi AwaKvi evwZj wn‡m‡e d. For Insured Deposit Scheme: Failure to pay three (03) instalments will automatically
MY¨ n‡e Ges A¨vKvD‡›U _vKv †h †Kvb DØ„Ë †KejgvÎ †mB cÖvßeq‡®‹i AwaKvi wn‡m‡e we‡ewPZ n‡e| freeze the account. Frozen deposit scheme can be re-activated. If it is re-activated
b. In case of two applicants, if one of the applicants is Minor, the other applicant must after 12 months of non-payment, the re-activated account will not be eligible for
be an Adult. insurance coverage. If it is re-activated before 12 months of non-payments, the
‡hŠ_ Av‡e`bKvixi †ÿ‡Î, hw` GKRb Av‡e`bKvix AcÖvß eq®‹ nq, Aci Rb‡K Aek¨B cÖvß eq®‹ n‡Z n‡e| Applicant has to pay insurance premium and resubmit the "Insurance Application
and Good Health Declaration Form". Before re-activating the account, the Applicant
has to pay all dues.
(4) NOMINEE bwgwb exgvK…Z w¯‹‡gi Rb¨: wZbwU (3) wKw¯Í Rgv w`‡Z e¨_© n‡j mvaviYfv‡e GB cÖKíwU ¯’wMZ n‡q hv‡e| ¯’wMZ mÂq
a. An Applicant (other than Organisation) shall nominate one or more persons as cÖKí cybivq Pvjy Kiv †h‡Z cv‡i| cÖKíwU hw` 12 gvm e‡Kqv _vKvi c‡i Pvjy Kiv nq, PvjyK…Z wnmvewUi exgv myweav
his/her nominee(s) for the proposed deposit scheme. In case of multiple nominees, evwZj n‡q hv‡e| GQvovI, cÖKíwU hw` 12 gvm e‡Kqv nIqvi c~‡e© Pvjy Kiv nq, Av‡e`bKvix‡K BÝy¨‡iÝ wcÖwgqvg
the applicant will fix the share of each nominee. If the share amount is not fixed, the cwi‡kva Ges ÒBÝy¨‡iÝ A¨vwcø‡Kkb Ges ¸W †nj&_ wWK¬v‡ikbÓ digwU cybivq Rgv w`‡Z n‡e| wnmvewU cybivq Pvjy
nominees will get equal share of the deposit amount. An Applicant can cancel and/or Kivi c~‡e© Av‡e`bKvix‡K mKj e‡Kqv cwi‡kva Ki‡Z n‡e|
change nominee(s) as well as share of the nominees at any time during the tenure
of the scheme by informing in writing to United Finance Limited. e. All charges due but unpaid to United Finance Limited, will be adjusted with the
GKRb Av‡e`bKvix (cÖwZôvb e¨ZxZ), cÖ¯ÍvweZ mÂq cÖK‡íi Rb¨ GK ev GKvwaK e¨w³ †K bwgwb wn‡m‡e g‡bvbxZ encashment value of the scheme at maturity or at the time of closure of the scheme
Ki‡eb| GKvwaK bwgwbi †ÿ‡Î Av‡e`bKvix cÖ‡Z¨K bwgbxi †kqvi wba©vib K‡i w`‡eb| hw` †kqvi Gi cwigvY as per prevailing Schedule of Fees and Charges.
wba©vib Kiv bv nq, mwÂZ A_© bwgwb‡`i g‡a¨ mgnv‡i e›Ub Kiv n‡e| GKRb Av‡e`bKvix mÂq cÖK‡íi †gqv`Kv‡j mKj PvR© hv BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi Kv‡Q e‡Kqv n‡q‡Q wKš‘ cwi‡kva Kiv nqwb, †gqv`v‡šÍ A_ev wb®úwË
†h †Kvb mg‡q BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi eivei wjwLZ Av‡e`‡bi gva¨‡g bwgwb(†`i) evwZj/cwieZ©b A_ev Kv‡j cÖKíwUi †gvU cÖ‡`q A‡_©i mv‡_ BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi ÒwmwWDj Ad wdm GÛ PvR©Ó Abyhvqx
Zv‡`i †kqvi cwieZ©b Ki‡Z cvi‡eb| mgš^q Kiv n‡e|

aiming to serve better...everyday 11 of 22

 TERMS AND CONDITIONS
kZ©vejxTERMS AND CONDITIONS
kZ©vejx
Account Number (wnmv‡ei b¤^i)
Application Date
Av‡e`‡bi ZvwiL
w`b gvm eQi
(Awdm c~iY Ki‡e)

f. Interest will be calculated on a daily basis and accrued up to the maturity date, (11) ENCASHMENT OF DEPOSIT Avgvb‡Zi GbK¨vk‡g›U
which is one month after the last instalment due date. However, if monthly a. An Applicant(s) can encash the proceeds from any deposit scheme(s), upon
instalment is paid after the 15th of each month, the maturity value will be adjusted
maturity. Premature encashment is eligible only after three (03) months from the
accordingly.
date of account opening or as per the regulations of Bangladesh Bank.
my‡`i wnmve ‰`wbK wfwˇZ Kiv n‡e Ges †gqv`c~wZ©i ZvwiL, hv †kl wKw¯Í cwi‡kv‡ai ZvwiL †_‡K cieZ©x GK gvm Av‡e`bKvix †h‡Kvb mÂq cÖK‡íi Avq †_‡K †gqv`c~wZ©‡Z D‡Ëvjb Ki‡Z cvi‡eb| †gqv` c~wZ©i c~‡e© D‡Ëvj‡bi
ch©šÍ, Rgv n‡Z _vK‡e| GQvovI gvwmK wKw¯Í hw` cÖwZ gv‡mi 15 Zvwi‡Li ci Rgv Kiv nq, †m‡ÿ‡Î †gqv`c~wZ©‡Z †ÿ‡Î wnmve †Lvjvi w`b n‡Z wZb (03) gvm ci A_ev evsjv‡`k e¨vs‡Ki cÖweavb Abymv‡i D‡Ëvjb Ki‡Z cvi‡eb|
cÖ‡`q A‡_©i mv‡_ mgš^q Kiv n‡e|
b. Original deposit instrument, duly signed by the Applicant, must be surrendered to
the United Finance Limited at the time of encashment of deposit amount.
(8) INSURANCE COVERAGE exgv Kfv‡iR
RgvK…Z A_© D‡Ëvj‡bi mgq Avgvb‡Zi g~j `wjj, Av‡e`bKvix KZ…©K ¯^vÿwiZ n‡Z n‡e Ges BDbvB‡UW dvBb¨vÝ
a. A depositor can open multiple IDS and IESS schemes subject to maximum insurance
coverage of Tk. 1,000,000.
wjwg‡UW Gi Kv‡Q Rgv w`‡Z n‡e|
GKRb AvgvbZKvix m‡e©v”P 1,000,000 UvKv exgv Kfv‡i‡Ri g‡a¨ GKvwaK AvB.wW.Gm Ges AvB.B.Gm cÖKí Pvjy c. All premature encashment are subject to the prevailing ‘Premature Encashment
Ki‡Z cv‡ib| Policy’ of United Finance Limited.
†gqv`c~wZ©i c~‡e© mKj cÖKvi D‡Ëvjb, we`¨gvb mg‡q BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi ÔwcÖg¨vwPDi GbK¨vk‡g›U
b. A depositor can open multiple IEMS and IMPS schemes subject to maximum
insurance coverage of Tk. 100,000 for natural death and Tk. 10,000,000 for
cwjwmÕ Abyhvqx n‡e|
accidental death. d. The encashment value of a deposit scheme will be paid as per the instructions
GKRb AvgvbZKvix ¯^vfvweK g„Zz¨i Rb¨ m‡e©v”P 1,00,000 UvKv Ges AvKw¯§Kfv‡e g„Zz¨i Rb¨ 10,000,000 UvKv provided in the account opening form. The encashment value will not be paid to the
exgv Kfv‡i‡Ri g‡a¨ GKvwaK AvB.B.Gg.Gm Ges AvB.Gg.wc.Gm cÖKí Pvjy Ki‡Z cv‡ib| third party account operator or nominee(s) of the account unless the Applicant(s)
has/have expired.
c. Insurance coverage facility of a deposit scheme is only applicable for the first
mÂq cÖK‡íi A_© A¨vKvD›U †Lvjvi di‡g cÖ`Ë wb‡`©kvejx Abyhvqx cwi‡kva Kiv n‡e| Av‡e`bKvix‡`i eZ©gv‡b
applicant. The insurance coverage will be provided by a reputed life insurance
company and will be payable only upon the demise of the first applicant during the
†gqv` c~wZ©‡Z Mw”QZ AvgvbZ bwgwb A_ev Z…Zxq cÿ wnmve cwiPvjbvKvix‡K cÖ`vb Kiv n‡e bv|
tenure of the scheme. e. The encashment value will be paid out directly to the account number provided in
mÂq cÖK‡íi exgv Kfv‡iR myweav ïaygvÎ cÖ_g Av‡e`bKvixi Rb¨ cÖ‡hvR¨| exgv myweavwU GKwU ¯^bvgab¨ Rxeb the account opening form, through BEFTN/ RTGS/ Account Payee Cheque, unless
exgv ms¯’vi gva¨‡g wbwðZ Kiv n‡e Ges cÖK‡íi †gqv`Kv‡j ïaygvÎ cÖ_g Av‡e`bKvixi g„Zz¨i c‡iB cwi‡kva †hvM¨ otherwise instructed by the Applicant.
n‡e| †gqv`c~wZ©‡Z cÖvwß, we.B.Gd.wU.Gb/ Avi.wU.wR.Gm/ A¨vKvD›U †c-†PK Gi gva¨‡g A¨vKvD›U †Lvjvi Av‡e`b di‡g
DwjøwLZ e¨vsK A¨vKvD‡›U mvivmwi cÖ`vb Kiv n‡e| hw` bv Av‡e`bKvix Ab¨ †Kvb wb‡`©k w`‡q _v‡Kb|
d. Insurance coverage facility for the deposit scheme will be effective from the account
activation date and will be valid till maturity date or till account freeze date or till the
date of receiving premature encashment request from the client.
mÂq cÖKíwUi exgv Kfv‡iR myweav, wnmve Pvjyi cÖ_g w`b †_‡KB Kvh©Ki n‡e Ges myweavwU Pvjy _vK‡e mÂq cÖK‡íi (12) ISSUANCE OF DUPLICATE DEPOSIT RECEIPT (in case of loss or damage)
†gqv`c~wZ© ch©šÍ A_ev wnmve ¯’wM‡Zi ZvwiL ch©šÍ A_ev MÖvn‡Ki KvQ †_‡K †gqv`c~wZ© c~‡e© D‡Ëvj‡bi Av‡e`b Avgvb‡Zi `wj‡ji Abywjwc Bmy¨ (nvwi‡q A_ev bó n‡q †M‡j)
ZvwiL ch©šÍ| The depositor(s) must present original copy of the relevant General Diary (GD) and
e. In case of demise of the second applicant, the first applicant will be able to continue request in writing to issue a duplicate deposit receipt. Duplicate copy of the GD
operation of the deposit scheme. must be submitted at the same time, that will be verified with the original copy. The
Applicant(s) will bear all standard charges regarding issuance of Duplicate Deposit
wØZxq Av‡e`bKvixi g„Zz¨i ci, cÖ_g Av‡e`bKvix mÂq cÖKíwUi Kvh©Kjvc Pvwj‡q †h‡Z cvi‡eb| Receipt.
f. Assurance of insurance scheme benefit, in case of sudden demise of the first AvgvbZKvix‡K Aek¨B mswkøó †Rbv‡ij Wv‡qwii (wRwW) g~j Kwc Dc¯’vcb Ki‡Z n‡e Ges AvgvbZ `wj‡ji
applicant, is subject to the Terms & Conditions stated in the Group Insurance Policy Abywjwci Rb¨ wjwLZfv‡e Aby‡iva Ki‡Z n‡e| GKB mgq wR.wW-i Abywjwc Rgv w`‡Z n‡e hv g~j Kwci mv‡_ hvPvB
Contract. K‡i †bIqv n‡e| GB m¤úwK©Z mg¯Í LiP Av‡e`bKvix‡K enb Ki‡Z n‡e|
cÖ_g Av‡e`bKvixi AvKw®§K g„Z¨z ‡Z, exgv cÖKíwUi myweavi wbðqZv wbf©i K‡i MÖæc BÝy¨‡iÝ cwjwmi kZ©vejxi Dci|

(9) INSURANCE CLAIM & SETTLEMENT (for Insured Scheme Only) (13) QUICK LOAN KzBK †jvb
exgv `vex Ges wb®úwË (ïaygvÎ exgvK…Z cÖK‡íi Rb¨) a. Loan against deposit is known as ‘Quick Loan’ at United Finance Limited. Loan
a. In case of demise of the first applicant, United Finance Limited shall be immediately sanction amount, eligibility, interest rate and charges of Quick Loan facility will be
informed by the nominee and/or successor. United Finance Limited will assist the applicable as per the prevailing ‘Quick Loan Policy’ of United Finance Limited.
claimant to complete necessary formalities for insurance claim. Avgvb‡Zi wecix‡Z FY BDbvB‡UW dvBb¨vÝ wjwg‡UW G ÔKzBK †jvbÕ bv‡g cwiwPZ| FY Aby‡gv`‡bi cwigvY, cÖvwßi
cÖ_g Av‡e`bKvixi g„Zy¨i ci, bwgwb Ges/A_ev DËivwaKvix BDbvB‡UW dvBb¨vÝ wjwg‡UW-†K Awej‡¤^ Rvbv‡eb| †hvM¨Zv, my‡`i nvi Ges Pv‡R©m we`¨gvb mg‡q BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi cÖPwjZ ÔKzBK †jvb cwjwmÕ Abyhvqx
BDbvB‡UW dvBb¨vÝ wjwg‡UW exgv `vexi c‡ÿ cÖ‡qvRbxq AvbyôvwbKZv c~i‡Y `vex`vi‡K mnvqZv Ki‡eb| cÖ‡hvR¨ n‡e|
b. The insurance value shall be paid by the life insurance company to United Finance b. Quick Loan facility must be paid off before maturity of the deposit scheme against
Limited. According to the group insurance policy contract, the life insurance which it has been availed. At the time of premature encashment or mature encash-
coverage is applicable only for sudden death (natural/accidental) of the first ment or renewal of the deposit scheme, all amount outstanding against the Quick
applicant due to any cause except AIDS, Suicide, Murder or Assault, Pre-existing Loan Facility will be adjusted from the encashment value.
Illness or Disability, War or War-like Operations, etc. United Finance Limited will pay mÂq cÖK‡íi, hvi wecix‡Z FY †bIqv n‡q‡Q, †gqv`c~wZ©i c~‡e© ÔKzBK †jvbÕ myweav cwi‡kva Ki‡Z n‡e| mÂq
the insurance value to the nominee(s)/successor(s)/legal heir(s) in the following cÖK‡íi †gqv`c~wZ© c~e© Kvjxb D‡Ëvjb mg‡q A_ev †gqv`v‡šÍ A_ev bevq‡bi mgq KzBK †jvb myweavi Aewkó
manner: cwigvY, hw` we`¨gvb _v‡K Zv AvgbZKvixi bM` cÖvwß wnmv‡ei mv‡_ mgš^q Kiv n‡e|
Rxeb exgv †Kv¤úvbx KZ…©K cÖ`Ë exgvi UvKv †Kv¤úvbx mivmwi BDbvB‡UW dvBb¨vÝ wjwg‡UW‡K cÖ`vb Ki‡eb| MÖæc
BÝy¨‡iÝ cwjwm Pzw³ Abyhvqx, ïaygvÎ cÖ_g Av‡e`bKvixi AvKw®§K g„Zz¨‡Z (mvaviY/`~N©UbvRwbZ Kvi‡b) exgv myweav
Kvh©Ki n‡e, hw` bv Zvi g„Zz¨RwbZ KviY GBWm, AvZ¥nZ¨v, nZ¨v ev nvgjv, c~e©-we`¨gvb Amy¯’Zv ev AÿgZv, hy×,
hy‡×i gZ Kvh©Kjvc BZ¨vw` Kvi‡Y n‡q _v‡K| exgv `vwei UvKv BDbvB‡UW dvBb¨vÝ wjwg‡UW bwgwb/ DËivwaKvix/ (14) DUTIES & TAXES, CHARGES & LEVIES ïé Ges Ki, PvR© Ges LvRbv
AvBbx DËivwaKvixMY‡K wb‡¤œ DwjøwLZ c×wZ‡Z exgv g~j¨ cÖ`vb Ki‡eb: a. Advance Income Tax (AIT) and Excise Duty shall be deducted from all deposit
accounts, principal and/or interest accrued amount, by United Finance Limited as
i. In case of IDS and IEMS and IMPS: United Finance Limited shall pay the per NBR regulations and as amended from time to time.
insurance value to the nominee(s)/ successor(s)/ legal heir(s) immediately after
BDbvB‡UW dvBb¨vÝ wjwg‡UW mKj cÖKvi Avgvb‡Zi wnmve, Avmj Ges/A_ev RgvK…Z my` †_‡K, Gb.we.Avi n‡Z
receiving from the life insurance company.
cÖvß wb‡`©k Ges wewfbœ mg‡q ms‡kvwaZ wb‡`©k Abyhvqx, AwMÖg AvqKi Ges ïé KZ©b K‡i _v‡K|
AvB.wW.Gm Ges AvB.B.Gg.Gm Ges AvB.Gg.wc.Gm Gi †ÿ‡Î: BDbvB‡UW dvBb¨vÝ wjwg‡UW exgv `vexi UvKv
Rxeb exgv †Kv¤úvbx †_‡K cvIqv gvÎB bwgwb/ DËivwaKvix/ AvBbx DËivwaKvixMY‡K cÖ`vb Ki‡eb| b. United Finance Limited is entitled to impose any charges and expenses with respect
to the scheme and/or any other facilities provided to the Applicant(s) in accordance
ii. In case of IESS: The insurance value shall be held by United Finance Limited till with the standard operating procedures of United Finance Limited and in conformity
the maturity of the original deposit scheme. United Finance Limited shall pay the with the Bangladesh Bank Guidelines without any prior notice to the Applicant(s).
encashment value of the scheme, as per schedule of the original scheme, to the Such deduction of charges are not refundable upon termination of any or all of the
nominee(s)/ successor(s)/ legal heir(s). deposit scheme(s).
AvB.B.Gm.Gm Gi †ÿ‡Î: exgv `vexi UvKv, g~j mÂq cÖK‡íi †gqv`c~wZ© Kvj ch©šÍ, BDbvB‡UW dvBb¨vÝ MÖvnK‡K mÂq myweav Ges/A_ev Ab¨ †h‡Kvb cÖKvi †mev cÖ`v‡bi Rb¨, BDbvB‡UW dvBb¨vÝ wjwg‡UW Zvi mvaviY
wjwg‡UW Gi Kv‡Q Rgv _vK‡e| †gqv`c~wZ© Kvjxb cÖ‡`q A_©, BDbvB‡UW dvBb¨vÝ wjwg‡UW GB cÖKíwUi Kvh©µg c×wZ Ges evsjv‡`k e¨vsK MvBWjvBb Abyhvqx, MÖvnK‡K †Kvb cÖKvi c~e© weÁwß bv w`‡q Pv‡R©m Av‡ivc
mgqm~Px Abyhvqx Zvi bwgwb/ DËivwaKvix/ AvBbx DËivwaKvixMY‡K cÖ`vb Ki‡eb| Kivi AwaKvi iv‡L| †h‡Kvb A_ev me mÂq cÖK‡íi cwimgvw߇Z Giƒc Li‡Pi KZ©b †diZ‡hvM¨ bq|

(10) PAYMENT OF INTEREST (For Earner Schemes Only)

my` cÖ`vb (ïaygvÎ Avb©vi cÖK‡íi Rb¨) (15) RENEWAL bevqb
Interest on the deposit amount will be paid directly to the account number provided a. Build-up and Insured Scheme(s) are not applicable for renewal. Upon maturity of a
in the account opening form through BEFTN/ RTGS. If the due date of payment is on scheme, United Finance Limited will hold the encashment value in custody until
holiday, then payment will be made on the next working day. claimed by the Applicant(s). During this period, no interest shall be paid.
Avgvb‡Zi Dci avh©K…Z my` wbavwiZ mg‡q, we.B.Gd.wU.Gb/ Avi.wU.wR.Gm Gi gva¨‡g A¨vKvD›U †Lvjvi Av‡e`b weì-Avc Ges exgvK…Z cÖKí bevqb‡hvM¨ bq| cÖK‡íi †gqv`c~wZ©i ci, Av‡e`bKvix `vex bv Kiv ch©šÍ, m¤ú~Y© A_©
di‡g DwjøwLZ e¨vsK A¨vKvD‡›U mvivmwi cÖ`vb Kiv n‡e| hw` cwi‡kv‡ai w`b QzwU _v‡K †m‡ÿ‡Î cieZ©x Kg©w`e‡m BDbvB‡UW dvBb¨vÝ wjwg‡U‡Wi wbKU Rgv _vK‡e| GB mgqKv‡j †Kvb my` cÖ`vb Kiv n‡e bv|
cwi‡kva Kiv n‡e|

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 TERMS AND CONDITIONS
kZ©vejx
Account Number (wnmv‡ei b¤^i)
Application Date
Av‡e`‡bi ZvwiL
w`b gvm eQi
(Awdm c~iY Ki‡e)
(15) RENEWAL (Continued from previous page)
bevqb (c~e©eZ©x c„ôv n‡Z Pjgvb) DECLARATION †NvlYv
b. Earner and Term Deposit scheme(s) will be renewed automatically if not claimed
upon maturity. The renewed scheme shall follow the terms and conditions and the I/we have read, understood and agreed to comply with the United Finance Limited’s
interest rate prevailing at the time of renewal. If renewed in the same product, then schedule of fees & charges and terms & conditions that governing the deposit accounts
the renewed deposit can be encashed at any time. related with the Applicant and all other products as indicated above. I/we have signed as a
token of acceptance of the aforesaid terms & conditions.
†gqv`v‡šÍ Avb©vi Ges Uvg© wW‡cvwRU cÖKí n‡Z cÖvwß D‡Ëvj‡bi Rb¨ `vex Kiv bv n‡j, cÖKíwU bevqbK…Z wn‡m‡e
we‡ewPZ n‡e| cÖKíwU we`¨gvb mg‡q cÖ‡hvR¨ kZ©vejx Ges my‡`i nvi Abyhvqx bevqb Kiv n‡e| hw` bevq‡bi mgq Avwg/Avgiv BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi wkwWDj Ae wdm& GÛ Pv‡R©m I kZ©vejx, hv MÖvn‡Ki mÂq wnmve Ges Dc‡i
cÖKíwUi †Kvb cwieZ©b Kiv bv nq, bevqbK…Z AvgvbZ †h‡Kvb mgq D‡Ëvjb †hvM¨| DwjøwLZ Ab¨vb¨ mKj †cÖvWv± wbqš¿Y K‡i, Zv c‡owQ, ey‡SwQ Ges †g‡b Pjvi Rb¨ m¤§wZ w`w”Q| Avgvi/Avgv‡`i †`qv ¯^vÿi
c. If there is any change in the product at the time of renewal, the renewed scheme
Dc‡i ewY©Z mKj kZ©vejx †g‡b Pjvi m¤§wZ wn‡m‡e we‡ewPZ n‡e|
will be treated as a new deposit and cannot be encashed before completion of three
(03) months, or as per the regulation of Bangladesh Bank, from the date of renewal. Signature of Applicant-1 (self/on behalf)
hw` cÖK‡íi †Kvb cwieZ©b Kiv nq Zvn‡j bevqbK…Z cÖKíwU bZzb AvgvbZ wn‡m‡e we‡ewPZ n‡e Ges cÖKíwUi Av‡e`bKvix-1 Gi ¯^vÿi (wb‡R/ Zvi c‡ÿ Ab¨ †KD)
bevqb Gi ZvwiL n‡Z wZb (03) gvm c~wZ©i c~‡e© D‡Ëvjb †hvM¨ n‡e bv A_ev evsjv‡`k e¨vs‡Ki bxwZgvjv Abyhvqx
cwiPvwjZ n‡e|

(16) STATEMENT weeiYx

Issuance of Account Statement, Balance Statement, Tax Certificate, Embassy Applicant 1 / Legal Guardian / Authorised Signatory
Letters, etc. will be subject to charges according to the prevailing Schedule of ‘Fees Av‡eb`Kvix 1 AvBbvbyM AwffveK Aby‡gvw`Z ¯^vÿiKvix
and Charges’ of United Finance Limited.
wnmve weeiYx, Avq weeiYx, U¨v· mvwU©wd‡KU, `~Zvev‡m cÖ`Ë wPwV BZ¨vw` Bmy¨ Kivi Rb¨ Pv‡R©m we`¨gvb mg‡q
BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi cÖPwjZ ÔwmwWDj Ad wdm GÛ Pv‡R©mÕ Abyhvqx cÖ‡hvR¨ n‡e| Signature Date
¯^vÿ‡ii ZvwiL

(17) COMMUNICATION †hvMv‡hvM (w`b) (gvm) (eQi)

United Finance Limited will send account balance or information and maintain other
communications through electronic (SMS, e-mail) media mentioned by the
applicant(s) on account opening form. The company does not encourage issuance of
paper statement, until such issuance of statement is required by the client.
Signature of Applicant-2 (self/on behalf)
BDbvB‡UW dvBb¨vÝ wjwg‡UW A¨vKvD›U †Lvjvi Av‡e`b di‡g Av‡e`bKvix KZ…©K cÖ`Ë B‡jKUªwbK gva¨‡g Av‡e`bKvix-2 Gi ¯^vÿi (wb‡R/ Zvi c‡ÿ Ab¨ †KD)
(Gm.Gg.Gm, B-‡gBj) A¨vKvD›U e¨v‡jÝ A_ev Z_¨ cÖ`vb Ges Ab¨vb¨ †hvMv‡hvM ivL‡eb| †Kv¤úvbx KvM‡R
†÷U‡g›U ˆZix DrmvwnZ K‡ibv, hw` bv MÖvnK Giƒc †÷U‡g‡›Ui cÖ‡qvRbxqZv g‡b K‡ib|

(18) GOVERNING LAW wbqš¿b wewa

a. These terms and conditions shall be governed by and construed in accordance with
the applicable laws of Bangladesh. In addition, all accounts shall be subject to the Applicant 2 / Legal Guardian / Authorised Signatory
provisions of the guidelines/circulars together with any amendments/modification Av‡eb`Kvix 2 AvBbvbyM AwffveK Aby‡gvw`Z ¯^vÿiKvix
thereto effected by the Bangladesh Bank or any other regulatory body from time to
time.
Signature Date
GB kZ©vejx evsjv‡`‡ki AvBb Abymv‡i cwiPvwjZ Ges we‡ewPZ n‡e| Gi mv‡_ mKj A¨vKvD›U evsjv‡`k e¨vs‡Ki ¯^vÿ‡ii ZvwiL
Ges Ab¨ †Kvb wbqš¿YKvix KZ…©c‡ÿi wb‡`©wkKv/weÁwß I Zv‡`i mgmvgwqK cwieZ©b/cwiea©‡bi Aax‡b _vK‡e|
b. United Finance Limited reserves the right to amend any/all terms & conditions on its
own or in compliance with regulatory requirements without any prior notice to the (w`b) (gvm) (eQi)
client.
BDbvB‡UW dvBb¨vÝ wjwg‡UW wbR¯^ wm×v‡šÍ A_ev wbqš¿YKvix ms¯’vi Av‡`‡k †Kvb cÖKvi c~e© weÁwß QvovB †h‡Kvb
A_ev mKj kZ©vejx ms‡kvab Kivi AwaKvi iv‡L|
DISCLAIMER (we‡kl `ªóe¨)
c. United Finance Limited reserves the right to close any deposit scheme without
Ñ In case of institutional depositor official seal is required.
assigning any reason.
cÖvwZôvwbK AvgbZKvixi †ÿ‡Î Awdwmqvj mxj cÖ‡hvR¨|
BDbvB‡UW dvBb¨vÝ wjwg‡UW †Kvb KviY QvovB †h‡Kvb cÖKvi mÂq cÖKí eÜ Kivi AwaKvi iv‡L|
Ñ In case of any inconsistency between Bangla & English version of the text
mentioned above, the English version shall be deemed as correct.
Dc‡i DwjøwLZ evsjv Ges Bs‡iRx ms¯‹i‡Yi (†U·U Gi) g‡a¨ †Kv‡bv ai‡Yi weåvwšÍi D™¢e n‡j Bs‡iRx
ms¯‹i‡Yi (†U·U) ¸‡jv mwVK wnmv‡e MY¨ n‡e|

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 KNOW YOUR CUSTOMER (KYC) PROFILE FORM-1
MÖvnK cwiwPwZ m¤úwK©Z dig

Application Date Customer ID:

FOLLOWING SECTION IS TO BE FILLED BY THE SALES TEAM

(1) ACCOUNT TITLE:

(2) CUSTOMER NAME:

(3) CUSTOMER TYPE (Based on Relationship with the Deposit Account)

Applicant 1 Applicant 2 Nominee 1 Nominee 2 Legal Guardian Account Operator

Beneficial Owner Attorney Holder Authorised Signatory Proprietor Partner Director

Trustee Other

(4) IDENTIFICATION DOCUMENT

Document Type Applicable Identification Number Copy Obtained Verified with Original

a. National ID

b. Valid Passport

c. Birth Certificate

d. Valid Driving License

e. Tax ID Number (TIN)

f. VAT Registration No.

g. Institution Registration No.

(5) OCCUPATION OF THE CUSTOMER

Public Service Private Service Self Employed Housewife Student

Retired Doctor Engineer Lawyer Banker

Any Other

(6) SOURCE OF FUNDS (Applicable in case of Customer Type as ‘Applicant’/ ‘Beneficial Owner’)

Salary Income Own Savings Gift/ Inheritance Bonus/ Other Benefits

Sale of Property Foreign Remittance Investment Return Other, specify

Please mention the name of Supporting document(s), reviewed by You to verify the ‘Source of Funds’ (if any):

(7) VERIFICATION

a. Introduction: Have you met the Customer physically? Yes No

b. Address: Has the address of the Customer been verified? Yes No

c. Signature: Have you verified the signature of the Customer? Yes No

d. Source of Fund: Is the fund/deposit amount consistent with Customer’s occupation and years of experience? Yes No

e. Beneficial Owner: Whether the Beneficial Owner(s) of the Account has/have been Identified? Yes No
If Yes, Please Identify Beneficial Owner in the following table:

Serial Number Name of Beneficial Owner Relation with Customer

Beneficial Owner 1

Beneficial Owner 2

Notes:
- If Beneficial Owner exists, information about each of the Beneficial Owner(s) of the Account must be collected as per ‘Personal Information Form’.
- In case of Company, Individual shareholder owning share 20% or more shall have to fill up Personal Information Form. In addition, the shareholder, owning
the controlling share, has to fill up Personal Information Form.

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 KNOW YOUR CUSTOMER (KYC) PROFILE FORM-1
MÖvnK cwiwPwZ m¤úwK©Z dig

(8) INFLUENTIAL PERSON

Is the Customer a Politically Exposed Person/ Influential Person/ Chief or High Official of a Government Organisation? Yes No

If Yes, select the appropriate segment below and obtain approval before account opening:

Head of State/ Government Senior Politician Influential Party (Political) Official

Senior Government/ Judicial/ Military Official Senior Executive of State Owned Corporation Other

Approver Name

Designation

Approval Date

w`b gvm eQi Service Officer Signature

DECLARATION
I hereby warrant that, all information furnished by me in this form is true, complete and accurate in all respects and that I have not wilfully withheld any material
fact, I have provided all relevant documents mentioned above. In case of any wrong information, I will be liable as per prevailing rules, regulations and directives of
Bangladesh Bank and/or the Government.

Introducer Name

Introducer ID

Service Officer Signature

FOLLOWING SECTION IS TO BE FILLED BY THE BRANCH SERVICE DESK

A. What does the Customer do/ What kind of occupation or business are they engaged in?

Sector Name Score Sector Name Score

Arms Manufacture/Trade 5 Corporate Applicant/Doctor 4

Arts/Antique Dealer 5 Hardware/Construction Materials Trader 4

Bank/NBFI/Insurance Company 5 Housewife/Homemaker 4

Garments Business/Garments Accessories 5 IT professional/Freelance software developer 4

Import/Export or Import/Export Agent 5 Leather & leather works business 4

Jewellery/Precious Metal/Gems Trade 5 Movie-making/Print & electronic Media 4

Manpower Export 5 Tobacco & Cigarette Business 4

Mobile Phone/TV/Internet Operator/Telecommunications 5 Transport Operator/Shipping/Cargo Agent 4

Money Changer/Courier Service Agent 5 Travel Agent 4

Offshore/Non-Resident Corporation/NGO/NPO 5 Amusement Park 3

Pilot/Flight Attendant 5 Government Employee 3

Real Estate/Promoter/Contractor of Construction Project 5 Landowner 3

Religious Institution 5 Motor Parts Trader 3

Restaurant/Bar/Night Club/Residential Hotel 5 Private Service Managerial 3

Share/Stock Broker 5 Self-Employed Professional/Private Sector Employee 3

Ship Breaking/Clearing/Forwarding Agent/Event Mgt 5 Small Trader (Annual turnover < 50 Lac) 3

Traders (turnover>1 crore)/Distributor 5 Cold Storage/Pharma/Frozen Foods/Hardware/Advertising 3

Trust/Trustee 5 Computer/Phone Dealer 2

Athlete/Media/Celebrity/Producer/Director of Media 4 Manufacturer (except arms) 2

Auto Dealer (New/Refurbished)/Indenting/Outsourcing 4 Retired from Service 2

Business Agents 4 Student 2

Cash Investor (Monthly > 25 lac) 4 Teacher 2

Chain Store/Mall 4 Farmer/Poultry/Dairy/Fishing Farm/Agro-business 1

Chartered Accountant/Law Firm/Engineering Firm 4 Other

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 KNOW YOUR CUSTOMER (KYC) PROFILE FORM-1
MÖvnK cwiwPwZ m¤úwK©Z dig

B(i). Annual Income of the Customer (Applicable for Individual Deposit) B(ii). Net Worth of the Customer (Applicable for Institutional Deposit)

Amount Risk Level Score Amount Risk Level Score

< BDT 5,000,000 Low 0 < BDT 10,000,000 Low 0

BDT 5,000,000 - 20,000,000 Medium 1 BDT 10,000,000 - 30,000,000 Medium 1

> BDT 20,000,000 High 3 > BDT 30,000,000 High 3

C. Customer Acquisition Channel D. Value of Monthly Deposits of the Customer

Channel Name Risk Level Score Amount Risk Level Score

Relationship Manager/Affiliate Low 0 < BDT 5,000,000 Low 0

Direct Sales Agent Medium 1 BDT 5,000,000 - 20,000,000 Medium 1

Internet/Walk-in/Unsolicited Medium 3 > BDT 20,000,000 High 3

E. Overall Risk Assessment (A+B+C+D)

Channel Name Risk Level Assessment Values

If score is 9 or above High Total Rating

If score is below 9 Low Overall Risk

Even if the final Risk Rating (as in table E) is less than 9, taking into consideration the important variables for the specific Applicant, the Applicant might be designated a
high risk level based on subjective judgement. If this is the case, please state the reasons for assigning a high risk level in the area provided below

Reasons for Assigning a High Risk Level:

PREPARED BY

Employee Name
Kg©xi bvg

Employee ID
Kg©xi AvB.wW

Signature Date
¯^vÿ‡ii ZvwiL
w`b gvm eQi Service Officer Signature

FOR OFFICE USE ONLY (ïaygvÎ Awdm e¨env‡ii Rb¨)

CHECKED BY ACCOUNT OPENING OFFICER APPROVAL BY BAMLCO

Signatory Name
¯^vÿiKvixi bvg

Designation
c`ex

Signature
¯^vÿi

Signature with Company Seal Signature with Company Seal

†Kv¤úvbxi mxjmn ¯^vÿi †Kv¤úvbxi mxjmn ¯^vÿi

Signature Date
¯^vÿ‡ii ZvwiL
w`b gvm eQi w`b gvm eQi

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 KNOW YOUR CUSTOMER (KYC) PROFILE FORM-2
MÖvnK cwiwPwZ m¤úwK©Z dig

Application Date Customer ID:

FOLLOWING SECTION IS TO BE FILLED BY THE SALES TEAM

(1) ACCOUNT TITLE:

(2) CUSTOMER NAME:

(3) CUSTOMER TYPE (Based on Relationship with the Deposit Account)

Applicant 1 Applicant 2 Nominee 1 Nominee 2 Legal Guardian Account Operator

Beneficial Owner Attorney Holder Authorised Signatory Proprietor Partner Director

Trustee Other

(4) IDENTIFICATION DOCUMENT

Document Type Applicable Identification Number Copy Obtained Verified with Original

a. National ID

b. Valid Passport

c. Birth Certificate

d. Valid Driving License

e. Tax ID Number (TIN)

f. VAT Registration No.

g. Institution Registration No.

(5) OCCUPATION OF THE CUSTOMER

Public Service Private Service Self Employed Housewife Student

Retired Doctor Engineer Lawyer Banker

Any Other

(6) SOURCE OF FUNDS (Applicable in case of Customer Type as ‘Applicant’/ ‘Beneficial Owner’)

Salary Income Own Savings Gift/ Inheritance Bonus/ Other Benefits

Sale of Property Foreign Remittance Investment Return Other, specify

Please mention the name of Supporting document(s), reviewed by You to verify the ‘Source of Funds’ (if any):

(7) VERIFICATION

a. Introduction: Have you met the Customer physically? Yes No

b. Address: Has the address of the Customer been verified? Yes No

c. Signature: Have you verified the signature of the Customer? Yes No

d. Source of Fund: Is the fund/deposit amount consistent with Customer’s occupation and years of experience? Yes No

e. Beneficial Owner: Whether the Beneficial Owner(s) of the Account has/have been Identified? Yes No
If Yes, Please Identify Beneficial Owner in the following table:

Serial Number Name of Beneficial Owner Relation with Customer

Beneficial Owner 1

Beneficial Owner 2

Notes:
- If Beneficial Owner exists, information about each of the Beneficial Owner(s) of the Account must be collected as per ‘Personal Information Form’.
- In case of Company, Individual shareholder owning share 20% or more shall have to fill up Personal Information Form. In addition, the shareholder, owning
the controlling share, has to fill up Personal Information Form.

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 KNOW YOUR CUSTOMER (KYC) PROFILE FORM-2
MÖvnK cwiwPwZ m¤úwK©Z dig

(8) INFLUENTIAL PERSON

Is the Customer a Politically Exposed Person/ Influential Person/ Chief or High Official of a Government Organisation? Yes No

If Yes, select the appropriate segment below and obtain approval before account opening:

Head of State/ Government Senior Politician Influential Party (Political) Official

Senior Government/ Judicial/ Military Official Senior Executive of State Owned Corporation Other

Approver Name

Designation

Approval Date

w`b gvm eQi Service Officer Signature

DECLARATION
I hereby warrant that, all information furnished by me in this form is true, complete and accurate in all respects and that I have not wilfully withheld any material
fact, I have provided all relevant documents mentioned above. In case of any wrong information, I will be liable as per prevailing rules, regulations and directives of
Bangladesh Bank and/or the Government.

Introducer Name

Introducer ID

Service Officer Signature

FOLLOWING SECTION IS TO BE FILLED BY THE BRANCH SERVICE DESK

A. What does the Customer do/ What kind of occupation or business are they engaged in?

Sector Name Score Sector Name Score

Arms Manufacture/Trade 5 Corporate Applicant/Doctor 4

Arts/Antique Dealer 5 Hardware/Construction Materials Trader 4

Bank/NBFI/Insurance Company 5 Housewife/Homemaker 4

Garments Business/Garments Accessories 5 IT professional/Freelance software developer 4

Import/Export or Import/Export Agent 5 Leather & leather works business 4

Jewellery/Precious Metal/Gems Trade 5 Movie-making/Print & electronic Media 4

Manpower Export 5 Tobacco & Cigarette Business 4

Mobile Phone/TV/Internet Operator/Telecommunications 5 Transport Operator/Shipping/Cargo Agent 4

Money Changer/Courier Service Agent 5 Travel Agent 4

Offshore/Non-Resident Corporation/NGO/NPO 5 Amusement Park 3

Pilot/Flight Attendant 5 Government Employee 3

Real Estate/Promoter/Contractor of Construction Project 5 Landowner 3

Religious Institution 5 Motor Parts Trader 3

Restaurant/Bar/Night Club/Residential Hotel 5 Private Service Managerial 3

Share/Stock Broker 5 Self-Employed Professional/Private Sector Employee 3

Ship Breaking/Clearing/Forwarding Agent/Event Mgt 5 Small Trader (Annual turnover < 50 Lac) 3

Traders (turnover>1 crore)/Distributor 5 Cold Storage/Pharma/Frozen Foods/Hardware/Advertising 3

Trust/Trustee 5 Computer/Phone Dealer 2

Athlete/Media/Celebrity/Producer/Director of Media 4 Manufacturer (except arms) 2

Auto Dealer (New/Refurbished)/Indenting/Outsourcing 4 Retired from Service 2

Business Agents 4 Student 2

Cash Investor (Monthly > 25 lac) 4 Teacher 2

Chain Store/Mall 4 Farmer/Poultry/Dairy/Fishing Farm/Agro-business 1

Chartered Accountant/Law Firm/Engineering Firm 4 Other

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 KNOW YOUR CUSTOMER (KYC) PROFILE FORM-2
MÖvnK cwiwPwZ m¤úwK©Z dig

B(i). Annual Income of the Customer (Applicable for Individual Deposit) B(ii). Net Worth of the Customer (Applicable for Institutional Deposit)

Amount Risk Level Score Amount Risk Level Score

< BDT 5,000,000 Low 0 < BDT 10,000,000 Low 0

BDT 5,000,000 - 20,000,000 Medium 1 BDT 10,000,000 - 30,000,000 Medium 1

> BDT 20,000,000 High 3 > BDT 30,000,000 High 3

C. Customer Acquisition Channel D. Value of Monthly Deposits of the Customer

Channel Name Risk Level Score Amount Risk Level Score

Relationship Manager/Affiliate Low 0 < BDT 5,000,000 Low 0

Direct Sales Agent Medium 1 BDT 5,000,000 - 20,000,000 Medium 1

Internet/Walk-in/Unsolicited Medium 3 > BDT 20,000,000 High 3

E. Overall Risk Assessment (A+B+C+D)

Channel Name Risk Level Assessment Values

If score is 9 or above High Total Rating

If score is below 9 Low Overall Risk

Even if the final Risk Rating (as in table E) is less than 9, taking into consideration the important variables for the specific Applicant, the Applicant might be designated a
high risk level based on subjective judgement. If this is the case, please state the reasons for assigning a high risk level in the area provided below

Reasons for Assigning a High Risk Level:

PREPARED BY

Employee Name
Kg©xi bvg

Employee ID
Kg©xi AvB.wW

Signature Date
¯^vÿ‡ii ZvwiL
w`b gvm eQi Service Officer Signature

FOR OFFICE USE ONLY (ïaygvÎ Awdm e¨env‡ii Rb¨)

CHECKED BY ACCOUNT OPENING OFFICER APPROVAL BY BAMLCO

Signatory Name
¯^vÿiKvixi bvg

Designation
c`ex

Signature
¯^vÿi

Signature with Company Seal Signature with Company Seal

†Kv¤úvbxi mxjmn ¯^vÿi †Kv¤úvbxi mxjmn ¯^vÿi

Signature Date
¯^vÿ‡ii ZvwiL
w`b gvm eQi w`b gvm eQi

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 CLIENTELE ACKNOWLEDGMENT FORM (CAF)
MÖvnK A½xKvibvgv dig

Name of Client
MÖvn‡Ki bvg

Account Number Amount of Deposit

wnmve b¤^i Avgvb‡Zi cwigvY

Type of Deposit
Avgvb‡Zi aiY

Comments by
S.L Questions gšÍe¨
µwgK bs cÖkœmg~n United Finance Limited Client/ Depositor
BDbvB‡UW dvBb¨vÝ wjwg‡UW MÖvnK/ AvgvbZKvix

Agreed with the Comments of

What will be the interest rate? United Finance Limited
1.
Avgvb‡Zi Dci cÖ`Ë my‡`i nvi KZ? BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi
gšÍ‡e¨i mv‡_ GKgZ

Agreed with the Comments of

When will be the Deposit account matured? United Finance Limited
2.
AvgvbZ wnmvewUi †gqv` K‡e †kl n‡e? BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi
gšÍ‡e¨i mv‡_ GKgZ

Agreed with the Comments of

(a) Will the interest rate be same in case of early encashment? United Finance Limited
No (bv)
†gqv` c~wZ©i c~‡e© AvgvbZK…Z A_© D‡Ëvjb Kiv n‡j my‡`i nvi wK GKB _vK‡e? BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi
gšÍ‡e¨i mv‡_ GKgZ

3.

(b) If no, whether the client is fully informed about tenure-wise Agreed with the Comments of
different rates for early encashment? United Finance Limited
Yes (nu¨v)
hw` my‡`i nvi GKB bv _v‡K, †m‡ÿ‡Î Avgvb‡Zi †gqv` wfwËK my‡`i nvi m¤ú‡K© MÖvnK‡K BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi
AewnZ Kiv n‡q‡Q wKbv? gšÍ‡e¨i mv‡_ GKgZ

Will it be automatically renewed if the amount is not withdrawn

Agreed with the Comments of
at maturity and no instruction is given by the client in this
United Finance Limited
4. regard? Yes (nu¨v)
BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi
†gqv` c~wZ©‡Z AvgvbZK…Z A_© D‡Ëvjb Kiv bv n‡j Ges MÖvnK †Kvb ai‡bi wb‡`©kbv bv w`‡q
gšÍ‡e¨i mv‡_ GKgZ
_vK‡j wnmvewU ¯^qswµqfv‡e bevqb n‡e wK?

Agreed with the Comments of

(a) Will there be any fees charged against the deposit account? United Finance Limited
No (bv)
AvgvbZ wnmv‡ei wecix‡Z †Kvb wd Av‡ivc Kiv n‡e wKbv? BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi
gšÍ‡e¨i mv‡_ GKgZ

5.

(b) If the answer to 5(a) is YES, whether the depositor is Agreed with the Comments of
informed about it or not. Not Applicable United Finance Limited
hw` Giƒc wd Av`vq Kiv nq, Z‡e †m wel‡q MÖvnK‡K AewnZ Kiv n‡q‡Q wKbv? cÖ‡hvR¨ b‡n BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi
gšÍ‡e¨i mv‡_ GKgZ

Official’s Signature with Date Client’s Signature with Date

ZvwiLmn Kg©KZ©vi ¯^vÿi ZvwiLmn MÖvn‡Ki ¯^vÿi

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 CLIENTELE FEEDBACK FORM (CFF)
MÖvnK gZvgZ dig

Name of Client
MÖvn‡Ki bvg

Account Number Amount of Deposit

wnmve b¤^i Avgvb‡Zi cwigvY

Type of Deposit
Avgvb‡Zi aiY

Comments by
S.L Questions gšÍe¨
µwgK bs cÖkœmg~n United Finance Limited Client/ Depositor
BDbvB‡UW dvBb¨vÝ wjwg‡UW MÖvnK/ AvgvbZKvix

(a) Whether United Finance Limited has charged any extra fee
(maintenance fee/others) which was not mentioned in the
agreement? Not Applicable
Yes (nu¨v) No (bv)
cÖ‡hvR¨ b‡n
BDbvB‡UW dvBb¨vÝ wjwg‡UW Pzw³i evB‡i †Kvb AwZwi³ wd (†gBb‡Ub¨vÝ ev GKB
iK‡gi Ab¨vb¨ wd) PvR© K‡i‡Q wKbv?

1.

Agreed with the Comments of

(b) If the answer to 1(a) is YES, what is the reason? United Finance Limited
hw` DËi 1.(K) nu¨v nq, Zvn‡j KZ©b Kivi KviY Kx? BDbvB‡UW dvBb¨vÝ wjwg‡UW Gi
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Official’s Signature with Date Client’s Signature with Date

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aiming to serve better...everyday 21 of 22

 OFFICIAL INFORMATION FORM

TO BE FILLED BY THE SALES TEAM

(1) INITIAL PAYMENT DETAILS

Initial Deposit Amount Payment Mode: Cheque Pay-Order Fund Transfer

Payment Reference Payment Date:

Number
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Bank Account Name

Bank Account Number Bank Name:

Account Owner If Other, Please Specify the Name of Account Owner and Relation:
Self Spouse Other

(2) SPECIAL OFFER TO CLIENT

Special Interest Rate Reasons for Special Interest Rate If Other Reason, Please Specify:
Applicable Not Applicable Senior Citizen (aged over 57+)

(3) CUSTOMIZED DEPOSIT BOOK ISSUE

Deposit Book Issue If Required, Please Provide Customer’s Preferred Bank Name
Required Not Required One Bank UCBL IFIC Bank Other

(4) INTRODUCER DETAILS

Direct Sales Existing Client Employee Reference Customer Reference

Client Sourcing
Through
Walk-in-Client Friends/ Relatives Deposit Campaign Advertisement

INTRODUCER SUPERVISOR

Employee Name

Employee ID

Signature

Introducer Signature with Date Supervisor Signature with Date

TO BE FILLED BY THE BRANCH SERVICE DESK

(5) TOKEN NUMBER GENERATION

CQ/ PO/ FT Receiving Date: Token Number:

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Service Officer Name Employee ID

Service Officer Signature

(6) DOCUMENTATION

(a) Instrument Delivery Slip (b) Deposit Book Provided to (c) Complete Set of Hard Copy
Received from the Client: the Client: File Received and Archived:

Yes No Yes No Yes No

Service Officer Name Employee ID

Service Officer Signature

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 Our Regional Offices across Bangladesh
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The above offices provide wide range of products and services to all districts across the country.

Contact
16354 +880 2 9662596
www.unitedfinance.com.bd
webmail@unitedfinance.com.bd