The motto of JBLs Corporate Banking services is to provide a personalized solutions to our customers.

The Bank distinguishes and identifies corporate customers need and designs tailored solutions accordingly. Jamuna Bank Ltd. offers a complete range of advisory, financing and operational services to its corporate client groups combining trade, treasury, investment and transactional banking activities in one package. Whether it is a project finance, term loan, import or export deal, a working capital requirement or a forward cover for a foreign currency transaction, our Corporate Banking Managers will offer you the accurate solution. Our corporate Banking specialists will render high class service for speedy approvals and efficient processing to satisfy customer needs. Corporate Banking business envelops a broad range of businesses and industries. You can leverage on our know-how in the following sectors mainly:

Agro processing industry Industry (Import Substitute / Export oriented)

- Textile Spinning, Dyeing / Printing - Export Oriented Garments, Sweater. - Food & Allied - Paper & Paper Products - Engineering, Steel Mills - Chemical and chemical products etc.

Telecommunications. Information Technology Real Estate & Construction Wholesale trade Transport Hotels, Restaurants Non Bank Financial Institutions Loan Syndication Project Finance Investment Banking Lease Finance Hire Purchase International Banking Export Finance Import Finance

Credit Facilities

The main focus of Jamuna Bank Ltd. Credit Line/Program is financing business, trade and industrial activities through an effective delivery system. Jamuna Bank Ltd. offers credit to almost all sectors of commercial activities having productive purpose. The loan portfolio of the Bank encompasses a wide range of credit programs. Credit is also offered to major thrust sectors, as earmarked by the govt., at a reduced interest rate to develop frontier industries. Credit facilities are offered to individuals including housewives, businessmen, small and big business houses, traders, manufactures, corporate bodies, etc. Loan is provided to the rural people for agricultural production and other off-farm activities. Loan pricing system is customer friendly. Prime customers enjoy prime rate in lending and other services. Quick appreciation, appraisal, decision and disbursement are ensured. Credit facilities are extended as per guidelines of Bangladesh Bank (Central Bank of Bangladesh) and operational procedures of the Bank.

Different types of Loan offered by Jamuna Bank Limited Personal Loan (PL) Personal Loan (PL) is offered with its basic features (19% Interest rate, No gift and includes processing charge of 10,000-25,000). That is, when personal loan is offered under its general features it is General PL. Flexi Loan When loan is secured it is called Flexi loan like customer pays lump sum money against loan which makes the loan flexible and take the loan amount against that money. Flexi loan can be 100% secured too. Real Estate Financing Home ownership is a basic need and a dream of every individual. Since housing industry plays a vital role in the national economy, our bank has come forward for Real Estate financing for Individual as well as Developers. The main objective of Real Estate Financing is to promote Real Estate Developers and Individuals.

Scope of Real Estate Loan For Construction of Residential Building [CRB] For Construction of Commercial Building [CCB] For Flat Purchase [FP] For Building Purchase [BP] For Developers [DEV]

Purpose: Construction / Extension / Renovation of Residential / Commercial Building. Purchase of Building /Flat /Office Space /Chamber /Shops. Eligibility: Salaried Individuals and Professionals Self -Employed professionals Businessman Wage Earners or other professional serving abroad

Maximum Age Limit: 70 [Seventy] years at the end of loan tenor. Minimum Income: Net Income/Take home salary will be at least Tk.40,000/-[forty thousand] per month. Maximum Loan Size: For Flat Purchase Tk.75.00 (seventy five) lac For Building Purchase/Construction of Residential Building Tk.100.00 (one hundred) lac Maximum Loan Tenor: Up-to 15 (fifteen) years including 01(one) year grace period. Maximum Loan Ratio: 50% of total Purchase Price for Flat / Building. 60% of total Construction cost for Residential/Commercial Building. Requirement: Registered Mortgage and Original Title Deed. Registered Irrevocable Power of Attorney (RIPA) in favor of JBL. Documents stated in the sanction advice.

Loans under Islamic Banking System

Mode of Investment: Hire Purchase under Sirkatul Melk (HPSM) Definition : HPSM may be defined as a contract between the bank and the customer under which both of them supply the equity in equal or unequal proportion for purchase of ant asset like building, machinery etc. and own the same jointly but share the benefit as per agreement and bear the loss as per equity. Then the portion of asset owned by the bank is hired/let out to the customer partner against an agreed rent along with an undertaking from the client to purchase the asset by making full payment of price (Principal amount plus agreed rent) to the bank either in lump sum or by periodical installment within the certain fixed period of time/after expiry of the hire purchase agreement. And thereafter the Bank sell transfer the ownership of its share to the customer.

Car Loan Customer Segment: For permanent/confirmed service holders of Govt., Semi-Govt., Autonomous Organizations, Banks, Insurance Companies, Public Limited Companies, Multinational Companies, NGOs, Employees of Private Limited Companies, acceptable to the bank, covered by guarantee of another employee of equal or higher grade. Teachers of Universities, Colleges & Schools (Affiliated). Professional persons like Doctors, Engineers, Chartered Accountants, and Architects. Purpose:

To procure brand new/reconditioned Personal Transport, of age not more than 5 years. The Vehicle should have maximum 10(ten) seats. Model year is in the limit of 5 year.

Age Limit:

Minimum age 25 years / Maximum age 54 years But loan tenor shall not exceed 59 years of age.

Minimum Income: Net Income should be at least Tk. 40,000/- per month. (To be substantiated by evidence) The customer must have sufficient net cash flow to repay the loan installments. Loan Size: Minimum 5.00 Lac Maximum Tk. 20.00 Lac. Maximum Term of Loan: 5 years Loan to price: Regulated by Bangladesh Bank from time to time. Security/ Collateral:

Registration of vehicle in favor of JBL Personal guarantee of the applicant & applicants spouse. Third party Guarantor shall be equal to or creditworthy than the principal applicant. Post dated cheques for installments and one undated cheque covering entire loan amount with interest. Comprehensive 1st party insurance coverage of asset favouring the bank.

Consumer Credit Scheme (CCS) Customer Segment: Applicable for Jamuna Bank Ltd employees who have completed at least 6(six) months of confirmed services with the bank.. Purpose : The purpose of consumer financing is to purchase the following Articles: 1. Consumer durable. 2. Household Items. 3. Any other item not covered above but acceptable to the bank. Age Limit & Tenor: 1. Minimum age 21 years / Maximum age 60 years 2. But loan tenor shall not exceed 63 years of age. 3. Loan tenor shall not exceed remaining service life. Minimum Income: Tk.15,000.00 Loan Size: Maximum Tk. 3.00 lac for confirmed employees. Loan to Price Ratio: 80% Security/ Collateral: One Post dated cheque favouring the Bank covering entire loan amount with interest. Lien on Salary and service benefit of the borrower duly confirmed. Hypothecation/ Lien / Registration / Mortgage of customer procured item, as feasible depending on the type of asset. Hypothecation/ Lien / Registration / Mortgage of any other asset, acceptable to the bank, as feasible depending on the type of asset. Personal guarantee of the client and his spouse (if any) Personal guarantee of another confirmed employee of Jamuna Bank of equal or higher grade

Legal/Charge/other Documents:

Acceptance of sanction terms. Usual charge documents.

Salary Certificate from the concerned Br/SME center/FAD, HO. Letter of Lien on Salary and service benefit on JBL standard format The Sale Receipt of goods in the name of the borrower. An undertaking in Banks prescribed form to pay monthly installments regularly. Letter of Authority to take repossession and sell the goods/item/asset

purchased/procured under JBL financing. Letter of Hypothecation/ Letter of Lien / Registration/ Mortgage deed of procured asset/any other asset, acceptable to the bank, as feasible depending on the type of the asset.

Interest Rate: 11% per Annum. Maximum Term of Loan: Maximum 3 years. Repayment Method: By equated monthly installments. Payment starts from the month following the month of disbursement. Payment has to be made within 25th day of every month. Installments shall be realized/deducted directly from the monthly salary of the borrower/ employee. Default in payment of 2(two) installment shall constrain the bank to take legal measure. Resignation/Termination from employment of JBL shall make the loan immediately repayable. The full value of the limit shall also be repayable on demand, if the bank assumes that, (1) the customer has lost his repaying capacity, (2) the customer may lose his repaying capacity, (3) the customers conduct with the bank does not remain at a satisfactory level and (4) any other uncontrollable factor which may constrain the bank for calling up the loan. Disbursement pre-condition: Standard account opening and properly filled in KYC. Fulfillment of Documentation and clean CIB report. Completed Registration/Mortgage/Lien formalities, if any.

Disbursement Mode: The Loan amount shall be directly credited to the borrowers account with JBL. Debt Burden Ratio (DBR %): Primarily 30% of monthly take home salary/ monthly net income.

Auto Loan-Against Car Registration

Banks may alter / amend these guidelines in terms of the policy without compromising the fundamentals of credit principles. Customer Segment: Customers having sufficient net cash flow to deposit installments regularly & comfortably of the following segments

Permanent/confirmed service holders Teachers of Universities, Colleges & Schools (Affiliated). All regular Employees of Jamuna Bank Limited. (Service life will minimum 1 year as permanent employee of Jamuna Bank Ltd.) Permanent Members of priority organizations (ref: Policy guideline Clause no.1.2.4.D). Members of institution having corporate arrangement with the bank(ref: Policy guideline Clause no.1.2.4.E). Businessmen at steady trade for at least two years evidence by Tax payment & Trade license. Self-Employed and Professional who are accredited and taxpayer for at least two years. Bank at its discretion may also extend facility to any customer not mentioned above.

Purpose: 1. To procures brand new/unregistered Personal Transport, of age not more than 5 years, for use in lawful purpose. 2. The Vehicle should have maximum 10(ten) seats. Age Limit & Tenor: 1. Minimum age 25 years / Maximum age 54 years 2. Loan tenor shall not exceed 59 years of age . 3. Loan tenor shall not exceed unexposed service life of salaried person.

Minimum Income: Net Income should be at least Tk. 40,000/- per month. (to be substantiated by evidence)The Customer must have sufficient net cash flow to repay the loan installments.

Size: Minimum 5.00 lac Maximum Tk. 20.00 lac Loan to Price Ratio: For the client-50%-80% JBL employee - 80%

Security/ Collateral Post dated cheques favouring the Bank for all installments and one undated cheque covering the loan amount with interest. Registration of the vehicle in the name of the bank. Hypothecation/ Lien / Registration / Mortgage of any other asset, acceptable to the bank, as feasible depending on the type of asset. Personal guarantee of the client and his spouse (if any) Authority of the borrower/user for repossession and sell the vehicle by the bank, in case of default in making payment of 3(three) consecutive installments. Guarantee of a Person/Company/Institution acceptable to the Bank.(Guarantor shall be equal to or more creditworthy than the Principal applicant) Lien on Salary and service benefit of the customer duly confirmed by his employer on JBL standard format, if applicable. Comprehensive 1st party insurance coverage of the vehicle favouring the bank from a reputed Insurance Company. Legal/Charge/other Documents Acceptance of sanction terms. Usual charge documents & JBL standard Lease agreement. Salary Certificate from the Employer, if salaried and bank account statement. Letter of Lien on Salary and service benefit of the customer(if service holder) from his employer on JBL standard format. Copy of Telephone/WASA /Gas /Electricity bill, Municipality/Holding tax receipt. An undertaking in Banks prescribed form to pay monthly installments regularly. Declaration of the guarantor in JBL standard format. Letter of Authority to take repossession and sell the goods/item/asset purchased/ procured under JBL financing.

Letter of Hypothecation/ Letter of Lien / Registration/ Mortgage deed of procured asset/any other asset, acceptable to the bank, as feasible depending on the type of the asset.

Irrevocable Letter of authority to take possession of and sell Hypothecated/ under Lien / Registered / Mortgaged/ procured asset/any other asset, acceptable to the bank, as feasible depending on the type of the asset.

Interest Rate: For the client-16% Par annum For JBL Employee-15% Par annum For overdue-Penal interest 4% Maximum Term of Loan: For the client - 3-5 years. For JBL Employee - 3-6 years. Repayment Method: By equated monthly installments. Payment starts from the month following the month of disbursement. Payment has to be made within 10th day of every month. Tk.500.00 shall be charged as penalty for each bounced cheque. Default in payment of consecutive 3(three) installments shall constrain the bank to take legal measure.

Resignation/Termination of any salaried person from present employment shall make the loan immediately repayable.

The full value of the limit shall also be repayable on demand, if the bank assumes that, (1) the customer has lost his repaying capacity, (2) the customer may lose his repaying capacity, (3) the customers conduct with the bank does not remain at a satisfactory level and (4) any other uncontrollable factor which may constrains the bank for calling up the loan. JBL employees installments shall be realized from monthly salary.

Disbursement pre-condition: Standard account opening and properly filled in KYC. Fulfillment of Documentation and clean CIB report. Completed registration & first party insurance of the car in the name of the bank.

Disbursement Mode: Banks sanctioned amount shall be disbursed through payment order/bank draft directly to the supplier/seller upon receipt of registration and first party insurance in the name of the bank.

Debt Burden Ratio (DBR %): Primarily 30% of monthly take home salary/ monthly net income. Further guideline at section2.3.7 of the policy guideline.

Any purpose Loan-Against Security Banks may alter / amend these guidelines in terms of the policy without compromising the fundamentals of credit principles. Customer Segment: Customers having sufficient net cash flow to deposit installments regularly & comfortably are eligible for the loan. Purpose: Travel expenses, Marital Expenses, Educational Expenses, Festival Expenses, Home Construction, House Renovation, Land Purchase, Transport Purchase, Office Equipment, Professional Equipment Purchase, office space purchase, shop space purchase, Office Decoration, Household Durables/Equipments/Electronics Purchase or any other lawful purpose of the customer, acceptable to the bank. Nationality: Bangladeshi by Birth. Age Limit & Tenor: 1. Minimum age 25 years / Maximum age 55 years but loan tenor shall not exceed 60 years of age . 2. Loan tenor shall not exceed remaining service life of salaried person. Minimum Income : Net Income should be at least Tk. 17,000/- per month.(to be substantiated by evidence). The Customer must have sufficient net cash flow to repay the loan installments. Size: Minimum 2.00 lac Maximum Tk. 50.00 lac Loan to Price Ratio : Not applicable. Security/ Collateral: Post dated cheques favouring the Bank for all installments and one undated cheque covering the loan amount with interest. Registered mortgage/ registration of asset in the name of the bank having value of at least two times the loan applied for, which may be relaxed in suitable case. Third party mortgage shall be discouraged. Hypothecation/ Lien / Registration / Mortgage of any other asset, acceptable to the bank, as feasible depending on the type of asset. Personal guarantee of the client and his spouse (if any) Lien on Salary and service benefit of the customer duly confirmed by his employer on JBL standard format, if applicable. Guarantee of a Person/Company/Institution acceptable to the Bank.(Guarantor shall be equal to or more creditworthy than the Principal applicant) Comprehensive 1st party insurance coverage of asset favouring the bank, if applicable.

Legal/Charge/other Documents: Acceptance of sanction terms. Usual charge documents. Salary Certificate from the Employer, if salaried and bank statement. Copy of Telephone/WASA /Gas /Electricity bill, Municipality/Holding tax receipt. Letter of Lien on Salary and service benefit of the customer(if service holder) from his employer on JBL standard format. An undertaking in Banks prescribed form to pay monthly installments regularly. Letter of Authority to take repossession and sell the purchased/procured/offered under JBL financing, if applicable. goods/item/asset

Letter of Hypothecation/ Letter of Lien / Registration/ Mortgage of procured asset/any other asset, acceptable to the bank, as feasible depending on the type of the asset. Irrevocable Letter of authority/Power of Attorney to take possession of and sell Hypothecated/ under Lien / Registered / Mortgaged/ procured asset/any other asset, acceptable to the bank, as feasible depending on the type of the asset, if applicable. Guarantors declaration on banks standard format.

Interest Rate: 16% p.a.( overdue Penal interest @ 4% ) Maximum Term of Loan: 10 (Ten) years. In suitable case the loan period may be relaxed. Repayment Method

By equated monthly installments. Payment starts from the month following the month of disbursement. Payment has to be made within 10th day of every month. Tk.500.00 shall be charged as penalty for each bounced cheque. Default in payment of consecutive 2(two) installment shall constrain the bank to take legal measure.

Resignation/Termination of any salaried person from present employment shall make the loan immediately repayable. The full value of the limit shall also be repayable on demand, if the bank assumes that, (1) the customer has lost his repaying capacity, (2) the customer may lose his repaying capacity, (3) the customers conduct with the bank does not remain at a satisfactory level and (4) any other uncontrollable factor which may constrains the bank for calling up the loan.

Disbursement pre-condition: Standard account opening and properly filled in KYC. Fulfillment of Documentation and clean CIB report. Completed Registration/Mortgage/Lien formalities. Deposit of equity money and bank charges, if applicable.

Contact point verification and income verification by the branch nominated and head office accepted officials/agency. Disbursement Mode :Banks sanctioned amount shall be disbursed directly to the customers account with Jamuna Bank Ltd. Debt Burden Ratio (DBR %) Primarily 30% of monthly take home salary/ monthly net income. Further guideline at section2.3.7 of the policy guideline.

Salary Loan-Lien on Salary/Service Benefit Customer Segment Customers having sufficient net cash flow to deposit installments regularly & comfortably of the following segments: i) Permanent/confirmed service holder of Govt., Semi-Govt., Autonomous organizations, Banks, Insurance Companies, Public Limited Companies, Multinational Companies, NGOs, Employees of Private Limited Companies acceptable to the bank, covered by guarantee of another employee of equal or higher grade. ii) Teachers of Universities, Colleges & Schools (Affiliated). iii) All regular Employees of Jamuna Bank Limited. (Service life will minimum 1 year as permanent employee of Jamuna Bank Ltd.) iv) Permanent Members of priority organizations (ref: Policy guideline Clause no.1.2.4.D). v) Members of institution having corporate arrangement with the bank(ref: Policy guideline Clause no.1.2.4.E). vi) Bank at its discretion may also extend facility to any customer not mentioned above. Job security of salaried applicants shall be taken into consideration while processing application. Purpose Travel expenses, Marital expenses, educational expenses, festival expenses, home construction, house renovation, land purchase, transport purchase, office equipment, professional equipment purchase, office space purchase, shop space purchase, office decoration, household durables/equipments/electronics purchase or any other lawful purpose of the customer, acceptable to the bank. Age Limit and Tenor Minimum age 21 years / Maximum age 55 years but loan tenor shall not exceed 60 years of age. Loan tenor shall not exceed remaining service life of salaried person.

Minimum Income Net Income should be at least Tk. 15,000/- per month. The Customer must have sufficient net cash flow to repay the loan installments.

Size :Minimum 1.00 lac Maximum Tk. 8.00 lac or 12 times gross salary, which ever is lower. Loan to Price Ratio: Not applicable Security/ Collateral Post dated cheques favouring the Bank for all installments and one undated cheque Covering the loan amount with interest. Hypothecation/ Lien / Registration / Mortgage of Purchased Asset/any other asset, acceptable to the bank, as feasible depending on the type of asset, if applicable. Personal guarantee of the client and his spouse (if any) Lien on Salary and service benefit of the customer and consent to pay to JBL on demand to adjust the loan from his employer on JBL standard format, duly confirmed by the appropriate authority & verified by the branch manager. Guarantee of a Person/Company/Institution acceptable to the Bank.(Guarantor shall be equal to or more creditworthy then the Principal applicant).

Legal/Charge/other Documents Acceptance of sanction terms. Usual charge documents. Salary Certificate from the Employer, and bank account statement. Letter of Lien on Salary and service benefit of the customer from his employer on JBL standard format. Copy of Telephone/WASA /Gas /Electricity bill, Municipality/Holding tax receipt. An undertaking in Banks prescribed form to pay monthly installments regularly. Letter of Authority to take repossession and sell the goods/item/asset

purchased/procured/offered under financing from JBL, if applicable. Letter of Hypothecation/ Letter of Lien / Registration/ Mortgage deed of procured asset/any other asset, acceptable to the bank, as feasible depending on the type of the asset, if applicable.

Irrevocable Letter of authority to take possession of and sell Hypothecated/ under Lien / Registered / Mortgaged/ procured asset/any other asset, acceptable to the bank, as feasible depending on the type of the asset, if applicable.

Interest Rate: 17% p.a. (For overdue Penal interest @ 4%) Maximum Term of Loan: 05 (five) years. Repayment Method By equated monthly installments. Payment starts from the month following the month of disbursement. Payment has to be made within 10th day of every month. Tk.500.00 shall be charged as penalty for each bounced cheque. Default in payment of consecutive 2(two) installment shall constrain the bank to take legal measure. Resignation/Termination of any salaried person from present employment shall make the loan immediately repayable. The full value of the limit shall also be repayable on demand, if the bank assumes that, (1) the customer has lost his repaying capacity, (2) the customer may lose his repaying capacity, (3) the customers conduct with the bank does not remain at a satisfactory level and (4) any other uncontrollable factor which may constrains the bank for calling up the loan.

Disbursement pre-condition Standard account opening and properly filled in KYC. Fulfillment of Documentation and clean CIB report. Completed Registration/Mortgage/Lien formalities, if any. Deposit of equity money and bank charges, if applicable. Contact point verification and income verification by the branch nominated and head office accepted official(s)/agency. Disbursement Mode: Banks sanctioned amount shall be disbursed directly to the customers account with Jamuna Bank Ltd. Debt Burden Ratio (DBR %): Primarily 30% of monthly take home salary/ monthly net income. Further guideline at section-2.3.7 of the policy guideline.

Verification of Personal Details and Quotation (if applicable) :Personal details, Addresses, Phone numbers, Contact point, Gross Monthly Income, Security, Quotation/Estimate/ Supply order/ Indent/Requirement and the supplier shall be verified. Further details are at policy guideline clause no.2.3.6.

Education Loan Banks may alter / amend these guidelines in terms of the policy without compromising the fundamentals of credit principles. Customer Segment Students of reputed Public/Private Universities, Medical/Engineering/Nursing Colleges & Institutes. Student studying Undergraduate, Post Graduate, Doctoral or Professional courses. Professionals Courses: CA, CMA, CIMA, Marine, MBM, MBA, FCPS, FRCS, Bar- at-Law. Minimum Educational Qualification: HSC/A-Level Pass. Overseas Education in any reputed educational institution. Person having overseas job offer at hand, bound by training/course requirement. Jamuna Bank Employee/dependents who fulfill the above criteria. Pre-qualification: The applicant must have (1) Chatro-Bondhu account(EL-19) or (2) Overseas Student File or (3) Overseas Scholarship/University Acceptance Purpose: Student support to bear (1) Tuition Fees (2) Living Cost (3) other Educational Expenses (4) Consultants fee (5) Visa Processing fees (6) Traveling cost (7) Document/other verification fees (8) Purchase of Educational Equipments/Gadget (9) any other cost not stated above but acceptable to the bank. Age Limit For student 18 40 For Guarantor 35 57

Minimum age Maximum age

But loan tenor shall not exceed 60 years of age/ remaining service life of Guarantor/Customer.

Minimum Income Gross Monthly Income of the Customer/Guarantor should be at least Tk. 30,000/- per month. The Customer/Guarantor must have sufficient net cash flow to repay the loan installments. Income shall have to be substantiated as per existing Retail-Banking policy Size Minimum 1.00 lac Maximum Tk. 10.00 lac (subject to fulfillment of DBR by the guarantor). Loan to Price: Maximum 70% of the submitted/estimated/incurred expenditure. Security/ Collateral Post dated cheques favouring the Bank for all installments and one undated cheque covering the loan amount with interest. Mortgage of any tangible asset having forced sale value of at least double the loan amount or Lien on financial asset having value at least equivalent to the loan amount. Any other security acceptable to the bank. Personal guarantee of the applicant and Spouse. (if any) Guarantee of a Person/Company/Institution acceptable to the Bank(Guarantor shall be equal to or more creditworthy than the Guarantor). Lien on Salary and service benefit of the Guarantor (if service holder) and consent to pay to JBL on demand to adjust the loan from his employer on JBL standard format duly confirmed by the appropriate authority & verified by the branch manager. Hypothecation/ Lien / Registration / Mortgage of any other asset, acceptable to the bank, as feasible depending on the type of asset, if applicable. Legal/Charge/other Documents Acceptance of sanction terms. Usual charge documents. Salary Certificate of the guarantor from the Employer, if salaried and bank statement. Copy of Telephone/WASA /Gas /Electricity bill, Municipality/Holding tax receipt. Letter of Lien on Salary and service benefit of the Guarantor (if service holder) from his employer on JBL standard format. An undertaking of the guarantor in Banks prescribed form to pay monthly installments regularly. Employers certificate in the JBL standard format to the effect that the guarantor is in the permanent service of the organization (if service holder).

Letter

of

Authority

to

take

repossession

and

sell

the

goods/item/asset

purchased/procured/offered under JBL financing, if applicable. Letter of Hypothecation/ Letter of Lien / Registration/ Mortgage of procured asset/any other asset, acceptable to the bank, as feasible depending on the type of the asset. Irrevocable Letter of authority/Power of Attorney to take possession of and sell Hypothecated/ under Lien / Registered / Mortgaged/ procured asset/any other asset, acceptable to the bank, as feasible depending on the type of the asset, if applicable.

Interest Rate: 14.50 to 17.00% p.a.( overdue Penal interest @ 4%) Maximum Term of Loan: 4 (Four) years. Repayment Method By equated monthly installments. Payment starts from the month following the month of disbursement. Payment has to be made within 10th day of every month. Tk.500.00 shall be charged as penalty for each bounced cheque. Default in payment of consecutive 2(two) installments shall constrain the bank to take legal measure. Resignation/Termination of any salaried Person/Guaraantor from present employment shall make the loan immediately repayable. The full value of the limit shall also be repayable on demand, if the bank assumes that, (1) the customer/guarantor has lost his repaying capacity, (2) the customer/guarantor may lose his repaying capacity, (3) the customers/guarantors conduct with the bank does not remain at a satisfactory level and (4) any other uncontrollable factor which may constrain the bank for calling up the loan.

Disbursement pre-condition Standard account opening and properly filled in KYC. Fulfillment of Documentation and clean CIB report and Deposit of bank charges. Contact Point Verification and income verification by the branch nominated and head

office accepted official(s)/agency. Disbursement Mode: a. No Cash withdrawal shall be allowed. b. Banks sanctioned amount shall be transferred to the customers account with Jamuna Bank Ltd, which shall remain blocked.

c. Respective amounts shall be disbursed via PO/DD/FDD, as applicable, upon receipt of Universitys/Institutes/Representatives food/lodging/boarding/tuition/charges Estimate, Cost Memo/Purchase slip/Reservation/Confirmation etc. Debt Burden Ratio (DBR %) Primarily 30% of monthly take home salary/ monthly net income of Customer/Guarantor. Further Guideline at section-2.3.7 of the policy guideline. Verification of Personal Details and Quotation(if applicable) Personal details, Addresses, Phone numbers, Contact point, Gross Monthly Income, Security, Institution, Estimate, Cost Memo/Purchase slip/Reservation/Confirmation and other involved parties shall be verified. Further details are at policy guideline clause no.2.3.6. Other charges Type of Charge JBL Employee employees dependent N/A N/A N/A At actual N/A or Customers

Service Charge Risk Fund (Non-refundable) Application Fee Other Charges Early Adjustment Fee Substantiation of Income

1% maximum Tk.1,000.00 1-2% Tk. 300.00 At actual 1%

All or any of the following original / true copy of original (accepted only after seeing the originals) documents are accepted for the purpose: Last Income Tax Return/TIN. Bank Statements for minimum last 6 months. Personal Net-Worth Statement. Salary statement in bank format. Any other document acceptable to the bank that may stand as a proof of income

Personal Loan for Professional & Self Employed person Banks may alter / amend these guidelines in terms of the policy without compromising the fundamentals of credit principles. Customer Segment Customers having sufficient net cash flow to deposit installments regularly & comfortably of the following segments:

i) ii) iii) iv) v)

Businessmen at steady trade for at least two years evidence by Tax payment & Trade license. Self-Employed and Professionals who are accredited and taxpayer for at least two years. Promising Businessman/Professional of high net-worth & Entrepreneurial Quality. Landlord, Farmers having significant income evidenced by ownership documents. Bank at its discretion may also extend facility to any customer not mentioned above. into

Stability of future source(s) of income, prospect of trade for businessman will be taken consideration while processing application. Non Target Customer:

(1) Lawyers (4) Public figure & media Personalities (5) Journalists, lower reputation or of lower circulation newspaper (6) Travel Agents & C&F agents (7) Mariners (8) Owner of non reputed Proprietorship/Partnership firms (9) Politically affiliated personalities and (10) Negative listed individuals. Purpose A- Travel expenses, Marital Expenses, Educational Expenses, Festival Expenses, Home Construction, House Renovation, Land Purchase, Transport Purchase, Office Equipment, Professional Equipment Purchase, office space purchase, shop space purchase, Office Decoration, Household Durables/Equipments/Electronics Purchase. B- Any other lawful purpose of the customer, acceptable to the bank.

Nationality: Bangladeshi by Birth.

Age Limit & Tenor Minimum age 25 years / Maximum age 57 years but loan tenor shall not exceed 62 years of age . Minimum Income Net Income should be at least Tk. 40,000/- per month. (to be substantiated by evidence) The Customer must have sufficient net cash flow to repay the loan installments. Size :Minimum 2.00 lac Maximum Tk. 20.00 lac Loan to Price Ratio: 70% Security/ Collateral Post dated cheques favouring the Bank for all installments and one undated cheque covering the loan amount with interest.

The loan above Tk. 8.00 lac shall be secured by 200% tangible asset or 100% financial asset. Third party security shall be discouraged. In suitable case security condition may be relaxed. Hypothecation/ Lien / Registration / Mortgage of Offered/Procured/Purchased/Any other asset, acceptable to the bank, as feasible depending on the type of asset. Personal guarantee of the client and his/her spouse (if any) Guarantee of a Person/Company/Institution acceptable to the Bank.(Guarantor shall be equal to or more creditworthy than the Principal applicant) Comprehensive 1st party insurance coverage of asset favouring the bank, if applicable.

Legal/Charge/other Documents

Acceptance of sanction terms. Usual charge documents & JBL standard Lease/Loan agreement. Copy of Telephone/WASA /Gas /Electricity bill, Municipality/Holding tax receipt. An undertaking in Banks prescribed form to pay monthly installments regularly. Letter of Authority to take repossession and sell the goods/item/asset purchased/ procured/offered under JBL financing, if applicable. Letter of lien on monthly payment & service benefit of salaried customer. Letter of Hypothecation/ Letter of Lien / Registration/ Mortgage deed of procured asset/any other asset, acceptable to the bank, as feasible depending on the type of the asset.

Irrevocable Letter of authority to take possession of and sell Hypothecated/ under Lien / Registered / Mortgaged/ procured asset/any other asset, acceptable to the bank, as feasible depending on the type of the asset.

Interest Rate : 14%-16% (overdue Penal interest 4%) per annum.

Maximum Term of Loan: 5 (Five) years. Repayment Method

By equated monthly installments. Payment starts from the month following the month of disbursement.

Payment has to be made within 10th day of every month. Tk.500.00 shall be charged as penalty for each bounced cheque. Default in payment of consecutive 2(two) installment shall constrain the bank to take legal measure. Resignation/Termination of any salaried person from present employment shall make the loan immediately repayable. The full value of the limit shall also be repayable on demand, if the bank assumes that, (1) the customer has lost his repaying capacity, (2) the customer may lose his repaying capacity, (3) the customers conduct with the bank does not remain at a satisfactory level and (4) any other uncontrollable factor which may constrains the bank for calling up the loan.

Disbursement pre-condition Standard account opening and properly filled in KYC. Fulfillment of Documentation and clean CIB report. Completed Registration/Mortgage/Lien formalities, if any. Deposit of equity money and bank charges, if any. Contact point verification and income verification by the branch nominated and head office accepted official(s)/agency. Disbursement Mode Banks sanctioned amount shall be disbursed directly to the customers account with Jamuna Bank Ltd.

Debt Burden Ratio (DBR %) Primarily 30% of monthly monthly net income. Further guideline at section-2.3.7 of the policy guideline. Verification of Personal Details and Quotation Personal details, Addresses, Phone numbers, Contact point, Gross Monthly Income, security, Quotation/Estimate/ Supply order/ Indent/Requirement and the supplier shall be verified. Further details are at policy guideline, clause no.2.3.6. Other charges Type of Charge Service Charge Risk Fund (Non-refundable) Application Fee Customers 1% maximum Tk.5000.00 1-2% Tk. 300.00

Other Charges Early Adjustment Fee Substantiation of Income

At actual 1%

All or any of the following original / true copy of original (accepted only after seeing the originals) documents are accepted for the purpose: Last Income Tax Return/TIN. Bank Statements for minimum last 6 months. Personal Net-Worth Statement. Salary statement in bank format, if service holder. Photocopy of day to day purchase-sale/Income-Expenses ledger book. Physical Verification of tradable assets. Ownership documents. Rental agreement/Municipal Tax receipt/DCR Any other document acceptable to the bank that may stand as a proof of income Further details are at policy guideline clause no.2.3.8.

Overseas JOB Loan-Against Security Banks may alter / amend these guidelines in terms of the policy without compromising the fundamentals of credit principles. Customer Segment Customers having sufficient net cash flow to deposit installments regularly & comfortably of the following segments: i) Person having valid Job Offer/Akama/Green Card/Business Visa/ Resident Visa/Work Permit Visa. ii) Person moving overseas for on the job training with subsequent Job Prospect. iii) Person having business overseas evidenced by business documents. iv) Bank at its discretion may also extend facility to any customer not mentioned above. Stability of future source(s) of income, prospect of trade for businessman will be taken into consideration while processing application. Non Target Customer: (1) Negative listed individuals.(2) Convicted personalities under any law of the land.

Purpose

A- Travel expenses, Marital Expenses, Educational Expenses, Festival Expenses, Home Construction, House Renovation, Land Purchase, Transport Purchase, Office Equipment, Professional Equipment Purchase, office space purchase, shop space purchase, Office Decoration, Household Durables/Equipments/Electronics Purchase. B- Any other lawful purpose of the customer, acceptable to the bank. Nationality: Bangladeshi by Birth.

Age Limit and Tenor Minimum age 25 years / Maximum age 57 years but loan tenor shall not exceed 62 years of age . Minimum Income Net Income should be at least Tk. 50,000/- per month. (to be substantiated by evidence) The Customer must have sufficient net cash flow to repay the loan installments. Size: Minimum 2.00 lac Maximum Tk. 50.00 lac

Loan to Price Ratio : 70% Security/ Collateral Post dated cheques favouring the Bank for all installments Registered mortgage/ registration of fixed asset in the name of the bank having value of at least two times the loan applied for. Lien of financial asset having value of atleast equivalent to the loan amount. Third party security shall be discouraged. Hypothecation/ Lien / Registration / Mortgage of Offered/Procured/Purchased/Any other asset, acceptable to the bank, as feasible depending on the type of asset. Personal guarantee of the client and his/her spouse (if any) Guarantee of a Person/Company/Institution acceptable to the Bank.(Guarantor shall be equal to or more creditworthy than the Principal applicant) Comprehensive 1st party insurance coverage of asset favouring the bank, if applicable.

Legal/Charge/other Documents

Acceptance of sanction terms. Usual charge documents & JBL standard Lease/Loan agreement. Copy of Telephone/WASA /Gas /Electricity bill, Municipality/Holding tax receipt. An undertaking in Banks prescribed form to pay monthly installments regularly. Letter of Authority to take repossession and sell the goods/item/asset purchased/ procured/offered under JBL financing, if applicable. Letter of lien on monthly payment & service benefit of salaried customer. Letter of Hypothecation/ Letter of Lien / Registration/ Mortgage deed of procured asset/any other asset, acceptable to the bank, as feasible depending on the type of the asset.

Irrevocable Letter of authority to take possession of and sell Hypothecated/ under Lien / Registered / Mortgaged/ procured asset/any other asset, acceptable to the bank, as feasible depending on the type of the asset.

Interest Rate: 14%-16% per annum (overdue Penal interest 4%) Maximum Term of Loan: 5 (Five) years. Repayment Method By equated monthly installments. Payment starts from the month following the month of disbursement. Payment has to be made within 10th day of every month. Tk.500.00 shall be charged as penalty for each bounced cheque. Default in payment of consecutive 2(two) installment shall constrain the bank to take legal measure. Resignation/Termination of any salaried person from present employment shall make the loan immediately repayable. The full value of the limit shall also be repayable on demand, if the bank assumes that, (1) the customer has lost his repaying capacity, (2) the customer may lose his repaying capacity, (3) the customers conduct with the bank does not remain at a satisfactory level and (4) any other uncontrollable factor which may constrain the bank for calling up the loan.

Disbursement pre-condition Standard account opening and properly filled in KYC. Fulfillment of Documentation and clean CIB report. Completed Registration/Mortgage/Lien formalities, if any. Deposit of equity money and bank charges, if any.

Contact point verification and income verification by the branch nominated and head office accepted official(s)/agency. All overseas documents has to be authenticated by nearest Bangladesh High Commission/Embassy. Disbursement Mode Banks sanctioned amount shall be disbursed directly to the customers account with Jamuna Bank Ltd.

Debt Burden Ratio (DBR %) Primarily 30% of monthly take home salary/ monthly net income. Further guideline at section2.3.7 of the policy guideline. Verification of Personal Details and Quotation Personal details, Addresses, Phone numbers, Contact point, Gross Monthly Income, security, Quotation/Estimate/ Supply order/ Indent/Requirement and the supplier shall be verified. Further details are at policy guideline clause no.2.3.6. Other charges Type of Charge Service Charge Risk Fund (Non-refundable) Application Fee Other Charges Early Adjustment Fee Customers 1% maximum Tk.5000.00 1-2% Tk. 300.00 At actual 1%

Substantiation of Income: All or any of the following original / true copy of original (accepted only after seeing the originals) documents are accepted for the purpose: Last Income Tax Return/TIN/IT10B. Bank Statements for minimum last 6 months. Personal Net-Worth Statement. Salary statement/Job Contract/Authenticated Fianancial Statement, if service holder. Ownership documents. Rental agreement/Municipal Tax receipt/DCR Any other document acceptable to the bank that may stand as a proof of income

Doctors Loan Banks may alter / amend these guidelines in terms of the policy without compromising the fundamentals of credit principles. Customer Segment Customers having sufficient net cash flow to deposit installments regularly & comfortably of the following segments: i) Salaried Doctors of reputed Medical Colleges & Hospitals, Clinics, Diagnostic Centres, NGOs, Multinational/Local Corporate, Govt. Offices, Semi Govt. Offices, Autonomous Organizations, National/International Aid agencies, UN Bodies. Self Employed Tax Paying Doctors having good reputation and reliable income source(s). Stability of future source(s) of income, prospect of trade for Self-Employed will be taken into consideration while processing application.

ii)

iii)

Non Target Customer: (1) Negative listed individuals. (2) Convicted personalities under any law of the land. Purpose A- Educational Expenses, House Renovation, Transport Purchase, Office Equipment, Medical Equipment Purchase, Professional Equipment Purchase, Commercial/ Office / Chamber Space Purchase/ Renovation /Decoration, Office Decoration, Household Durables /Equipments/Electronics Purchase. B- Any other lawful purpose of the customer, acceptable to the bank. Nationality: Bangladeshi by Birth.

Age Limit and Tenor Minimum age 25 years / Maximum age 60 years but loan tenor shall not exceed 65 years of age .

Minimum Income Net Income should be at least Tk. 30,000/- per month. (to be substantiated by evidence) The Customer must have sufficient net cash flow to repay the loan installments. Size: Minimum 2.00 lac Maximum Tk. 50.00 lac

Loan to Price Ratio: 70%

Security/ Collateral Post dated cheques favouring the Bank for all installments & one cheque covering entire loan amount with interest upto maturity. Loan above Tk.10.00 lac must be secured by 200% fixed asset or 100% financial asset. Hypothecation/ Lien / Registration / Mortgage of Offered/Procured/Purchased/Any other asset, acceptable to the bank, as feasible depending on the type of asset. Personal guarantee of the client and his spouse (if any) Guarantee of a Person/Company/Institution acceptable to the Bank.(Guarantor shall be equal to or more creditworthy than the Principal applicant) Comprehensive 1st party insurance coverage of asset favouring the bank, if applicable.

Legal/Charge/other Documents Acceptance of sanction terms. Usual charge documents & JBL standard Lease/Loan agreement. Copy of Telephone/WASA /Gas /Electricity bill, Municipality/Holding tax receipt. Attested copy of certificate of last medical degree. Attested copy of BMA membership certificate. Attested copy of BMDC certificate(whenever applicable) An undertaking in Banks prescribed form to pay monthly installments regularly. Letter of Authority to take repossession and sell the goods/item/asset purchased/ procured/offered under JBL financing, if applicable. Letter of lien on monthly payment & service benefit of salaried customer. Letter of Hypothecation/ Letter of Lien / Registration/ Mortgage deed of procured asset/any other asset, acceptable to the bank, as feasible depending on the type of the asset.

Irrevocable Letter of authority to take possession of and sell Hypothecated/ under Lien / Registered / Mortgaged/ procured asset/any other asset, acceptable to the bank, as feasible depending on the type of the asset.

Interest Rate: 14.5%-17% per annum (Overdue Penal interest 4% )

Maximum Term of Loan : Maximum 5 (Five) years. In suitable case loan period may be relaxed. Repayment Method By equated monthly installments. Payment starts from the month following the month of disbursement. Payment has to be made within 10th day of every month. Tk.500.00 shall be charged as penalty for each bounced cheque. Default in payment of consecutive 2(two) installment shall constrain the bank to take legal measure. Resignation/Termination of any salaried person from present employment shall make the loan immediately repayable. The full value of the limit shall also be repayable on demand, if the bank assumes that, (1) the customer has lost his repaying capacity, (2) the customer may lose his repaying capacity, (3) the customers conduct with the bank does not remain at a satisfactory level and (4) any other uncontrollable factor which may constrain the bank for calling up the loan.

Disbursement pre-condition Standard account opening and properly filled in KYC. Fulfillment of Documentation and clean CIB report. Completed Registration/Mortgage/Lien formalities, if any. Deposit of equity money and bank charges, if any. Contact point verification and income verification by the branch nominated and head

office accepted official(s)/agency. Disbursement Mode Banks sanctioned amount shall be disbursed directly to the customers account with Jamuna Bank Ltd. But in case of transport/equipment/fixed asset purchase, disbursement shall be made through a payment order directly to the seller upon receipt of registration/hypothecation/pledge/completion of mortgage formalities.

Debt Burden Ratio (DBR %) Primarily 30% of monthly take home salary/ monthly net income. Further guideline at section2.3.7 of the policy guideline. Verification of Personal Details and Quotation

Personal details, Addresses, Phone numbers, Contact point, Gross Monthly Income, security, Quotation/Estimate/ Supply order/ Indent/Requirement and the supplier shall be verified. Further details are at policy guideline clause no.2.3.6. Other charges Type of Charge Service Charge Risk Fund (Non-refundable) Application Fee Other Charges Early Adjustment Fee Substantiation of Income: All or any of the following original / true copy of original (accepted only after seeing the originals) documents are accepted for the purpose: Last Income Tax Return/TIN. Bank Statements for minimum last 6 months. Personal Net-Worth Statement. Salary statement in bank format, if service holder. Photocopy of day to day income expense ledger book. Ownership documents. Rental agreement/Municipal Tax receipt/DCR Any other document acceptable to the bank that may stand as a proof of income Customers 1% maximum Tk.5000.00 1-2% Tk. 300.00 At actual 1%