Bmjvgx evsK evsjv`k wjwgUW

Gd-1 G

Islami Bank Bangladesh Limited

----------------------- kvLv

ew wnmve

gy`vivev mqx wnmve (MSA) Lvjvi Ave`b dig

ZvwiL t

cvmcvU
mvBRi
mZvwqZ
Qwe

A-ewK wnmve

wnmve b^i t
MvnK AvB.wW. b^i t

eevcK,
Bmjvgx evsK evsjv`k wjwgUW

evsjv`k evsK mi KvW t

SBS-2
CIB

.................................. kvLv|
Rbve,
Avm&mvjvgy AvjvBKzg|
Avwg/Avgiv Avcbvi kvLvq GKwU gy`vivev mqx wnmve (MSA) Lvjvi Rb Ave`b KiwQ| Avgvi/Avgv`i wevwiZ Z_ wbg c`vb
Kijvg|
1. wnmve wkivbvg (evsjvq) t .....................................................................................................................................
(BsiRxZ) t .....................................................................................................................................
2. wnmvei cKvi (wUK w`b) t gy`vivev mqx wnmve (General) gy`ivev mqx wnmve (Staff) gy`vivev mqx wnmve (RDS)
3. wnmvei aiY (wUK w`b) t Askx`vix
h_ D`vM GKK gvwjKvbv miKvix GbwRI Kve/mvmvBwU
Abvb (wjLyb) .............................................................
4. gy`v (wUK w`b)
t UvKv
Wjvi
BDiv cvD
Abvb ...............................
5. wnmve cwiPvjbv msv NvlYv (wUK w`b) t GKKfve h_fve h Kvb GKRb Abvb ..........................
6. MvnKi Abvb evsK wnmve (hw` _vK) t
kvLvi bvg
cwiPvjbvKZ wnmvei cKwZ (wUK wP w`b)
evsKi bvg
K. ............................................... K. ............................. Rgv wnmve wewbqvM/FY wnmve Abvb
L. ...............................................

L. .............................

Rgv wnmve wewbqvM/FY wnmve

Abvb

M. ...............................................

M. .............................

Rgv wnmve wewbqvM/FY wnmve

Abvb

7. cwiPq`vbKvixi Z_ t
(K) bvg (evsjvq) t .................................................................
(L) wnmve bs
t .................................................................
(M) kvLvi bvg t .................................................................

BsiRxZ t .......................................................
RvZxq cwiPq c bs t ..........................................
Uwjdvb bs t ....................................................

(N) ^vi (ZvwiLmn) t

8. cv_wgK Rgv (cwigvY) t .....................................................................................................................................
9. cwZvbi wVKvbv t (K) iwRvW wVKvbv t ..................................................................................................................
(L) eemvj/Awdmi wVKvbv
t ..................................................................................................................
t ..................................................................................................................
(M) KviLvbv/wk cwZvbi wVKvbv
10. UW jvBm b^i
t ......................................................... Bmy ZvwiL t ......................................................
BmyKvix KZc
t .....................................................................................................................................
11. wbeb KZc I `k
t .....................................................................................................................................
12. wbeb b^i
t ......................................................... ZvwiL t ............................................................
13. Uv AvBwW b^i (TlN) t .....................................................................................................................................
14. fvU iwRt b^i (hw` _vK) t .....................................................................................................................................
15. eemvqi cKwZ (wevwiZ) t .....................................................................................................................................

cv bs-2

16. bwgbx msv Z_ t Avwg/Avgiv GB wnmvei A_ Avgvi/ Avgv`i gZzi ci wbgvfve wbgv ewK c`vbi Rb gbvbxZ
Kijvg| Avwg/Avgiv DwjwLZ gbvbqb h Kvb mgq evwZj ev cwieZbi AwaKvi msiY Kwi| Avwg/Avgiv GB gg Aviv mwZ
vcb KiwQ h, Avgvi/Avgv`i wb`kbv gvZveK jb`b evsK Kvbfve `vqe ne bv|
(K) bwgbxi bvg

t .......................................................................................................................................

(L) wcZvi bvg

t .......................................................................................................................................

(M) gvZvi bvg

t .......................................................................................................................................

(N) ^vgx/xi bvg

t .......................................................................................................................................

(O) ckv

t .........................................................

(Q) Rb ZvwiL/eqm

t ...................................................... (R) RvZxq cwiPqc b^i (hw` _vK) t ...........................

(P) wnmveavixi mv_ mK t .................................

(S) bwgbxi vqx wVKvbv t .......................................................................................................................................

bwgbxi Qwe
(MvnK KZK
mZvwqZ)

......................................
Ave`bKvix/wnmveavixi ^vi
*

Kvb AwbevmxK bwgbx Kiv nj H Awbevmx mswk wnmvei A_ cvc nj cv A_ we`k ciYi we`gvb e`wkK gy`v wbqY AvBbi wewa weavb chvR|

17. GK ev GKvwaK wnmveavix bvevjK nj t Avwg wbgewYZ wnmveavix/wnmveavixMY Gi ea AwffveK wnmve GB gg NvlYv KiwQ h,
wnmveavix/wnmveavixMY bvevjK| Zvi/Zv`i cqvRbxq Z_ mshy dig (wnmve cwiPvjbv mswk ew msv Z_vejx) G c`vb
Kiv njv| wnmve avix mvevjK bv nIqv ch wKsev Avgvi KZK cieZx NvlYv bv `qv ch wnmvewU ea AwffveK wnmve Avgvi
^vi cwiPvwjZ ne|
1) K. wnmveavix (bvevjK) Gi bvg t------------------------------Rb ZvwiL/eqm t ----------------------------------L. wnmveavix (bvevjK) Gi bvg t-------------------------------

Rb ZvwiL/eqm t -----------------------------------

M. wnmveavix (bvevjK) Gi bvg t-------------------------------

Rb ZvwiL/eqm t -----------------------------------

2) AwffveKi bvgt----------------------------------------------

bvevjKi mv_ mK t ----------------------------

*(bvevjK Ges AwffveK-Dfqi RbB ew msv Z_vejx dig bs-1 (K) c~iY KiZ ne Ges Dfq digB AwffveKi ^vi KiZ ne)

18. A_i Drm

t ..........................................................................................................................................

19. Avwg/Avgiv Online Service/SMS Service/ATM Service Gi myweav evsKi wbqgvbyhvqx MnY KiZ BQyK/BQyK bB| (wUK w`b)|
20. NvlYv I ^vi t Avwg/Avgiv GB gg wbqZv c`vb KiwQ h, Avwg/Avgiv wnmve msv DcivwjwLZ I GZ`msM mshy hveZxq wbqgvejx/
kZvejx cowQ Ges D wbqgvejx/ kZvejx gb PjZ eva _vKe| Avwg/Avgiv mvb NvlYv KiwQ h, DcivwjwLZ Z_vw` mZ| Avcbvi
Pvwn`v gvZveK c` Z_i AwZwi mswk h Kvb cqvRbxq Z_vw`/`wjjvw` mieivn Kie|

Ave`bKvixi ^vi, bvg, c`ex I ZvwiL t

1. ^vi t

2. ^vi t

3. ^vi t

bvg

bvg

bvg

t ....................................

t ....................................

t ............................................

c`ex t ....................................

c`ex t ....................................

c`ex t ............................................

ZvwiL t ....................................

ZvwiL t ....................................

ZvwiL t ............................................

evsKi eenvii Rb
ge t

wnmve Lvjvi KgKZv

(bvghy mxjmn ^vi I ZvwiL)

Abygv`bKvix KgKZv (kvLv cavb)

(bvghy mxjmn ^vi I ZvwiL)

Bmjvgx evsK evsjv`k wjwgUW

cv bs - 3

Islami Bank Bangladesh Limited

----------------------- kvLv
wnmve cwiPvjbv mswk ew msv Z_vejx
(wnmve Lvjvi Ave`bKvix GKvwaK ew nj cZKK GB digwU Avjv`vfve c~iYc~eK ew I AewK wnmvei g~j Aski mv_ mshy KiZ ne|)

ZvwiL t

wnmve b^i t
MvnK AvB.wW. b^i t

1. MvnKi bvg (evsjvq)

(BsiRxZ)

t .....................................................................................................................................
t .....................................................................................................................................

t c_g Ave`bKvix wZxq Ave`bKvix

ZZxq Ave`bKvix WvBii Askx`vi
bvevjK
AwffveK
GvUbx nvvi
Abvb
wcZvi bvg (evsjvq)
t .....................................................................................................................................
(BsiRxZ) t .....................................................................................................................................
gvZvi bvg (evsjvq)
t .....................................................................................................................................
(BsiRxZ) t .....................................................................................................................................
^vgx/xi bvg (evsjvq) t .....................................................................................................................................
(BsiRxZ) t .....................................................................................................................................
RvZxqZv
t .....................................................................................................................................

2. wnmvei mv_ mK
3.
4.
5.
6.

t .....................................................................
t .....................................................................

wUK w`b cyil gwnjv

RvZxq cwiPqc t ..................................

9. cvmcvU b^i (hw` _vK) t .....................................................................

Bmy ZvwiL t ..........................................

10. Uv AvBwW b^i (TIN) (hw` _vK) t .........................................................

WvBwfs jvBm b^i (hw` _vK) t ..............

7. Rb ZvwiL
8. ckv (c`exmn)

11. eZgvb I hvMvhvMi wVKvbv (Avevmj)

gvevBj t .....................................

t Uwjdvb t evmv t .........................................

Awdm t ..............................

B-gBj t ...................................................

dv t ..............................

12. vqx wVKvbv

t .....................................................................................................................................

13. ckvMZ hvMZv

t .....................................................................................................................................

14. wWU KvW msv Z_ t BmyKvix cwZvb I KvW b^i (hw` KvW eenviKvix nb) t
(1) ............................................................... (2) .........................................................
15. iwmW vUvm (wUK w`b) t iwmWU bb-iwmWU
16. bb-iwmWU evsjv`kx nj wbv Z_vw` c~iY Kib t
Passport No. .....................

Date of Issue .......................................

Issued by ...............................

Issued at ............................................

Date of Visa (If available) ......

Validity date of Visa .........................

Issuing authority of Visa ......

Occupation ................

Foreign address ...........................

17. Introduced by Bangladesh Embassy (In case of those only who wish to open from abroad) :
Seal & Signature (Bangladesh Embassy)

Signature of A/c. Opener

* (cqvRbxq evsK ev kvLv MvBWjvB di dib GP UvbRKkbm Gi wb`kbv AbymiY Ki Z_ msMn Kie)

.........................
Ave`bKvixi ^vi

Bmjvgx evsK evsjv`k wjwgUW

Islami Bank Bangladesh Limited

cv bs - 4

GB AskUzKy ^vwiZ nIqvi ci

vb KiZ ne|

----------------------- kvLv
Specimen Signature Card of A/C No : ...........
Title of Account : ..............
Full Name of the Signatory

Specimen Signature

1.

Photograph

2.
3.
Special Instruction (if any) :

Signature admitted by

Authorised Officer/Manager

mve jb`bi AbywgZ gvv (Transaction Profile)

01. wnmve wkivbvg (evsjvq) t ......................................................................................................................................................
(BsiRxZ) t ......................................................................................................................................................
02. wnmvei aiY I Znweji Drm

t .........................................................................................................................................

03. wnmve ev m~ (Reference) b^i t .........................................................................................................................................

jb`bi weeiY
Rgv t
bM` Rgv (AbjvBbmn)
Uvdvi/BUygU Gi gvag Rgv
dib iwgUv Rgv
ivbx Avq nZ Rgv
Abvb (wbw`fve)

jb`bi msLv (gvwmK)

mevP jb`bi A

(cwZwU jb`bi)

gvU cwigvY (gvwmK)

gvU mve Rgv

Dvjb t
bM` Dvjb (AbjvBb/ G.wU.Ggmn)
Uvdvi/BUygU Gi gvag Dvjb

ivbx Avq nZ Dvjb

dib iwgUv Dvjb
Abvb (wbw`fve)
gvU mve Dvjb
04. jb`bKZ A_i Drm t
......................................................................................................................................................................
Avwg/Avgiv wbg^viKvix (MY) G gg wbqZv c`vb KiwQ h, mve jb`bi AbywgZ gvv Avgvi/Avgv`i cwZvbi ^vfvweK cKZ
jb`b| Avwg/Avgiv Aviv wbqZv c`vb KiwQ h, cqvRbeva Avwg/Avgiv mve jb`bi AbywgZ gvv mskvab/nvjbvMv` Kie|

.....................................................
MvnKi ^vi, ZvwiL I mxj (chvR )

......................................................
MvnKi ^vi, ZvwiL I mxj (chvR )

MvnK cwiwPwZ mwKZ dig (KYC Profile Form)

(ew I cwZvb Dfq wnmve Lvjvi chvR t evsK KZK c~iYxq)
ZvwiL t

cv bs - 5

wnmve b^i t

1. wnmve wkivbvg (evsjvq) t ................................................................................................................................................

(BsiRxZ) t ................................................................................................................................................
2. eemvqi cKwZ Ges Znweji Drm t ...................................................................................................................................
3. Znweji Drm wKfve wbwZ Kiv nqQ Ges eemvwqK mK vcbK eemvqi cKwZ wek`fve DjL KiZt eemvqi mv_ jb`bi
cwigvY mvgmc~Y wKbv Zv eYbv KiZ ne t .........................................................................................................................
.....................................................................................................................................................................................
4. wnmvei cKZ myweavfvMx (Beneficial Owner) mwKZ Z_vw` (Kvvbxi wbqYKvix kqvi nvvi Ges 20% ev Gi AwaK GKK
kqvi nvvi Gi wevwiZ Z_vw`) : .....................................................................................................................................
......................................................................................................................................................................................
5. cZK MvnK _K wbv cgvYci dUvKwc MnxZ nqQ wKbv? (wUK wP w`b) t gvU t ...................... (.................) wU MnxZ nqQ|
cvmcvU fvUvi AvBwW RvZxq cwiPq c Uv mb` (TIN) fvU iwRt b^i WvBwfs jvBm|
6. Awbevmx (Non-resident) Ges we`kx`i wnmve Lvjvi KviY mK wbwZ nIqv| wfmvi cKwZ [AvevwmK/KvR (Work)] :
7.

MvnK wK Kib/cwZvbwU wK aibi eemvq wbqvwRZ iqQ?

wgK bs
1

cKwZ
Ryqjvix/^Yi eemv

wi jfj
DP

vi
5

gvwb Pvi/Kzwiqvi mvwfm GRU

DP

wiqj GU GRU

DP

wbgvY cK cvgvUvi

DP

Admvi Kcvikb

DP

wPKjv/GwUKi wWjvi

DP

iuviv/evi/bvBU Kve/AvevwmK nvUj Gi gvwjK

DP

Avg`vbx/ivbx GRU

DP

bM` A_ jMxKvix eemvqx (gvm 25 j UvKvi )

DP

10

kqvi/K wWjvi

DP

11

Rbkw ivbx eemv

DP

12

wewfb Aevb Kvhg

DP

13

PjwP chvRbv/cwiekbv msv

DP

14

Ai eemv

DP

15

gvevBj dvb AcviUi

DP

16

evwlK 1 KvwU UvKvi AwaK A_ jMxKvix eemvqx

DP

17

Uvfj GRU

DP

18

cwienb AcviUi

gag

19

AUvwWjvi (wiKwkb Mvox)

gag

20

wjwRs/dvBbv Kvvbx

gag

21

dBU/wkwcs/KvMv GRU

gag

22

Byi/evKviR GRx

gag

23

agxq cwZvb/msv

gag

24

webv`bKvix cwZvb/cvK

gag

25

gvUi cvUm Gi eemv

gag

26

ZvgvK I wmMviUi eemv

gag

wgK bs
27

cKwZ
AUv cvBgvix (bZzb Mvox)

wi jfj
wb

vi
2

28

`vKvbi gvwjK (LyPiv)

wb

29

eemv-GRU

wb

30

y` eemvqx (evwlK UvbIfvi 50 j UvKvi bxP)

wb

31

^D`vMx ckvRxex

wb

32

KcviU Kvgvi

wb

33

evox wbgvY mvgMxi eemv

wb

34

KwDUvi/gvevBj dvbi wWjvi

wb

35

mdU&Iqvi eemv

wb

36

Drcv`bKvix (A eZxZ)

wb

37

PvKyix nZ AemiMnYKvix

wb

38

PvKzix

wb

39

Qv

wb

40

MwnYx

wb

41

KwlRxex

wb

42

Abvb......(aiY Abymvi evsK wi vi c`vb Kie)

wb

(8 _K 13 b^i Uwej kYxi Eamxgv GKB kYxZ weewPZ ne| D`vniY t 50 j UvKv 0-50 kYxfy& ne)
8. MvnKi bxU m`i (Net Worth) cwigvY t
cwigvY (UvKvq)
1-50 j
50 j - 2 KvwU
> 2 KvwU

wi jfj
wb
gag
DP

wi iwUs
0
1
3

aiY
wijkbkxc gvbRvi/kvLv KZK
WvBi mjm& GRU KZK
BUvibU
AhvwPZ / ^cYvw`Zfve

wi jfj
wb
gag
DP
DP

wi iwUs
0
1
3
3

wi jfj

wi iwUs

wb
gag
DP

0
1
3

wi jfj

wi iwUs

wb
gag
DP

0
1
3

wi jfj

wi iwUs

wb
gag
DP

0
1
3

9. wnmve Lvjvi aiY t

10. MvnKi AbywgZ gvwmK jb`bi cwigvY t

Avj-Iqvw`qvn& PjwZ wnmve
jb`bi cwigvY (j UvKvq)
0-10
10-25
> 50

gy`vivev mqx wnmve jb`b

(j UvKvq)
0-5
5-20
> 20

11. MvnKi AbywgZ gvwmK jb`bi msLv t

Avj-Iqvw`qvn& PjwZ wnmve
jb`bi msLv
0-100
100-250

gy`vivev mqx wnmve

jb`bi msLv
0-20
20-50

> 250

> 50

12. MvnKi AbywgZ gvwmK bM` jb`bi cwigvY t

Avj-Iqvw`qvn& PjwZ wnmve jb`b
(j UvKvq)
0-10
10-25

gy`vivev mqx wnmve jb`b

(j UvKvq)
0-2
2-7

> 25

>7

cv bs - 6

13. MvnKi AbywgZ gvwmK bM` jb`bi msLv t

Avj-Iqvw`qvn& PjwZ wnmve
jb`bi msLv
0-15
15-30
> 30

cv bs - 7

gy`vivev mqx wnmve

jb`bi msLv
0-5
5-10
> 10

wi jfj

wi iwUs

wb
gag
DP

0
1
3

14. mvweK SuywK wbicY t

wi iwUs

SuywKi cKwZ
DP
wb

> = 14
< 14

ge t

(wi iwUs 14 Gi Kg njI KviY DjLc~eK Subjective weePbvq MvnKK DP SuywK mb wnme wbic Kiv hZ cvi|)

15. wnmveavixi wVKvbv(mg~n) hvPvB Kiv nqQ wKbv ? nuv / bv

16. Di nvu nj wKfve hvPvB Kiv nqQ?
17. cwjwUKvwj GcvRW& cvimbm& (PEPs) t (G.Gg.Gj. evsjv`k evsK mvKzjvi-14 I AvBweweGj, cavb Kvhvjq mvKzjvi jUvi
bs-wewmwW/2950 Abymvi MvnKi msM gyLvgywL mvvrKvi bqv nqQ t nvu / bv
(K) wmwbqi gvbRgU nZ Abygv`b bqv nqQ wKbv? nuv / bv
(L) m`i Drm t ...............................................................................................................................................
....................................................................................................................................................................
(M) MvnKi msM gyLvgywL mvvrKvi bqv nqQ t nvu / bv
cZKvix KgKZv

chvjvPbvKvix KgKZv

(bvghy mxjmn ^vi I ZvwiL) (bvghy mxjmn ^vi I ZvwiL)

mswk KgKZv
(bvghy mxjmn ^vi I ZvwiL)

kvLv eevcK/kvLv Acvikb cavb

(bvghy mxjmn ^vi I ZvwiL)

18. wnmve msv Z_vw` mekl Ke Review & Update Kiv nqQ?
Review & Update Kvix KgKZvi bvg t
bvghy mxjmn ^vi I ZvwiL t

PK eB Bmyi Pvwn`vc
AbyMnc~eK Avgvi/Avgv`i AbyK~j wnmvei jb`bi myweav_
m^wjZ GKLvbv PK eB Bmy Kivi Rb Abyiva Kiv nj|

10 cvZv

25 cvZv

50 cvZv

100 cvZv

MvnKi/wnmve cwiPvjbvKvixi ^vi I mxj (chvR )

PKi cvZv bs .................................... _K bs ...................................... ch gvU 10 cvZv 25 cvZv
50 cvZv 100 cvZv eyS cjvg|
wnmve cwiPvjbvKvix/gZvcv ewi ^vi

gy`vivev mqx wnmvei chvR wbqgvejx

cv bs - 8

wnmve b^i t

kZvejx t
01.

GwU A_ RgvKvix MvnK Ges Bmjvgx evsK evsjv`k wjwgUW Gi ga mvw`Z Bmjvgx kwiqvn& wfwK GKwU gy`vivev Pzw|
K. GLvb A_ RgvKvix MvnK nQ mvwne Avj-gvj (A_i gvwjK) Ges evsK nQ gy`vwie (Kvievi msMVK)|
L. Bmjvgx kwiqvn& ewYZ bxwZgvjvi wfwZ evsK GB A_ RgvMnY Ki Ges RgvKZ A_ aygv Bmjvgx kwiqvn mZfve wewbqvM Ki|
M. evsK gy`vivev Znwej wewbqvM Ki cv Avqi Kgc kZKiv 65 fvM gy`vivev RgvKvix`i ga IqUR wfwZ eb Ki| wewbqvM jvKmvb nj gy`vivev RgvKvixMY Zv enb
Kie|
N. evsK wbgi 5, 6 I 7 b^i ewYZ wbqg RgvKZ A_ I gybvdv dir c`vb Kie|
O. GQvov Bmjvgx kwiqvn& ewYZ gy`vivev Pzwi Abvb kZvejx chvR ne|

wnmve cwiPvjbvi wbqgvejx t

02.

cv_wgK mewb UvKv 500/- ev Zvi AwaK AsKi UvKv Rgv Ki GB wnmve Lvjv hvq| evsK KZK wbavwiZ wwZ mewb UvKv 500/- Gi bxP bg Mj Kvb jvf `qv nq bv| AwaK
chvR nvi b~bZg miKvix i mgcwigvY UvKvi wwZ msiY KiZ nq, Ab_vq evsK PK dir `qvi AwaKvi msiY Ki|
03. aygv my gw I cveq Kvb ew ev eweM GKK ev h_ bvg Ges h Kvb wkv cwZvb, Kve, Gmvwmqkb, Av_-mvgvwRK cwZvb G wnmve LyjZ cvib| bvevjK/bvevwjKvi
bvgI Zvi wcZv/gvZv/AvBbMZ AwffveKMY GB wnmve LyjZ cvieb|
04. D wnmvemg~n eQi `yBevi (Ryb Ges wWm^i gvm) mvgwqK (Provisional) nvi jvf c`vb Kiv nq, hv evwlK P~ov jvf/jvKmvb wnmvei wfwZ mg^q/wbb Kiv nq|
05. evwlK jvf jvKmvb wnmve P~ov nIqvi c~e wnmve e Kij mvgwqK nvi jvf c`vb Kiv nq, cieZxKvj gybvdvi P~ov nvi NvlYvi ci NvwlZ P~ov nvi mvgwqK nvii Pq ekx nj
wnmveaviKK Zv c`vb Kiv nq|
06. gy`vivev mqx wnmvei gvmi h Kvb ZvwiL jb`b PjvKvjxb mgq A_ Rgv Kiv hvq| Ze gvmi 6 ZvwiL _K kl ZvwiLi ga msiwZ mewbg wwZ jvf c`vbi wbwg m
gvmi Rgv wnme weewPZ ne|
07. gy`vivevn mqx wnmvei gvm mevwaK Pvievi Ges cwZevi RgvwwZi 1/4 Ask ev $ 50,000/- UvKvi ga hv Kg m cwigvY UvKv webv bvwUk DVvbv hvq| DjwLZ cwigvYi Pq
ekx UvKv DVvZ nj mvZ w`b c~e wjwLZ bvwUk w`Z nq| bvwUk w`q UvKv DVvj RgvwwZ jvfi Rb weewPZ nq, Ab_vq m gvmi Rb D wnmve wwZi Dci jvf c`vb Kiv nq bv|
08. wnmvei gvwjKK Pvwn`v gvZveK wnmve weeiYx c`vb Kiv nq| 30 (wk) w`bi ga wjwLZ Kvb AwfhvM bv cj wnmvei wwZ mwVK AvQ ej ai bqv ne|
09. evsK KZK BmyKZ PK ev ATM KvW Qvov mvaviYZt Ab Kvb gvag UvKv Zvjv hvq bv| Ze MvnK BQv Kij SMS evswKs Gi gvag Z_ RvbZ cvib|
10. wnmveaviK AeeZ PK eB dir w`q h_vh_fve Ave`b Ki wnmve eKiY eve` wbavwiZ wdm w`q wnmve e KiZ cvib |
11. evsK Kvbic KviY `kvbv eZxZ h Kvb wnmve e KiZ cvie Ges G Rb Kvb bvwUk c`vb Kiv nq bv|
12. wnmveaviKi wVKvbvi Kvb cwieZb nj Awej^ Zv evsKK RvbvZ ne| evsK mvaviYZt WvK/Kywiqvi hvM wnmve gvwjKi mv_ hvMvhvM iv Ki| WvK/Kywiqvi hvM cwiZ Kvb
wPwVc h_vmgq ev Av` wewj bv nj evsK `vqx _vKe bv |
13. wnmve Lvjvi mgq 2 Kwc cvmcvU mvBR Qwe, cvmcvU/RvZxq cwiPqc/IqvW Kwgkbvi wKsev BDwbqb cwil` Pqvigvb KZK c` bvMwiKZ mb` ev wbqvMKZv KZK c` cwiwPwZc
A_ev evsK/Avw_K cwZvbi wbKU MnYhvM ew KZK c` cZqbc c`vb KiZ nq |
14. D wnmve _K miKvix wbqgvbyhvqx fvU, Ki ev KZb Kiv ne|
15. 1991 mvji evsK Kvvbx AvBbvbyhvqx 10 (`k) eQi I Z`~a gqv` ch Kvb wnmve jb`b bv nj mswk wnmvewU A`vexKZ (Unclaimed) wnme MY Ki D wnmvei wwZ
evsjv`k evsK vbvi Ki `qv nq|
16. Kvb Rgvi Dci MvnKi wnmve _K evsK hvKvZ c`vb Ki bv| MvnKK wbR `vwqZ hvKvZ c`vb KiZ ne |
17. h_ wnmvei hw` GKRbi gZz nq Ges wnmvewUi wekl wb`kbvq DjL _vK h, h Kvb GKRb ev RxweZ ew (Either or survivor can operate the Account) wnmvewU
cwiPvjbv KiZ cvie, Zvnj RxweZ ew mswk wnmvewU cwiPvjbv KiZ myhvM cve Ges RxweZ ew BQv Kij mvK&mkb mvwUwdKU QvovB D wnmve MwQZ A_ Dvjb KiZ
cvieb|
18. GKK bvg ev h_ bvg cwiPvwjZ wnmve wekl wb`k hw` bwgbx wnmve Kvb ew/ eweMK gbvbxZ Kiv nq, Ze H ew/ eweM wnmvewU cwiPvjbvKvix ew/ eweMi gZzi ci
mswk wnmve MwQZ A_ h_vixwZ mbvKiY mvc wbqgvbyhvqx Dvjb KiZ cvie| Ze UvKv Dvjbi mv_ mv_ wnmvewU e nq hve| bwgbx wnmve cwiPvjbv KiZ PvBj ZvK
wbqgvbyhvqx bZzb wnmve LyjZ ne|
19. h_ wnmvei hw` h_ ^vi cwiPvjbi wb`k _vK A_ev wekl wb`kbvq ejv _vK h, h Kvb GKRb wnmve cwiPvjbv KiZ cvieb (Any one can operate the Account)
ZLb h Kvb GKRbi gZz i mv_ mv_ mswk wnmvewUZ jb`b e nq hve| G IqvW Kwgkbvi/BDwbqb cwil` Pqvigvb KZK c` Iqvwikvb mb`i gvag Av`vjZi wb`k
QvovB D wnmve MwQZ A_ RxweZ ew gZ ewi Iqvwik`i mv_ h_fve Ave`b Kiv mvc Dvjb KiZ cvieb|
20. ewMZ/ew gvwjKvbvaxb/h_ gvwjKvbvaxb/Abvb wnmveavixMY KZK Zuvi ev Zuv`i gZz i ci RgvKZ UvKv Dvjbi Rb bwgbx gbvbxZ KiZ cvib| wnmveaviKi gZzi ci mswk
wnmvei RgvKZ A_ Dvjbi Rb bwgbx KZK Zuvi/Zuv`i Ave`b ci mv_ gbvbqbi ^c cgvY ^ic wbwjwLZ KvMR-c/`wjjvw` `vwLj KiZ ne| G bwgbx KZK KvU
c` mvKmkb mvwUwdKU `vwLj Kivi cqvRb bB|
K) wnmveaviKi gZzRwbZ mb`c| cevm gZz nj mb`c mswk `k AewZ evsjv`k `~Zvevm KZK cwZ^vwiZ nZ ne|
L) bwgbxi cwiwPwZi ^c evsKi `yBRb mvbxZ MvnK A_ev evsKi `yBRb KgKZv A_ev vbxq BDwbqb cwil` Pqvigvb/wmwU Kcvikb ev wgDwbwmcvwjwUi IqvW Kwgkbvi KZK

c` mb`c |
M) bwgbxi cvmcvU AvKvii mZvwqZ dUvMvd | N)
bwgbx KZK BbWgwbwU e c`vb|
21. gvwb jvwis cwZiva AvBb-2009, mvm weivax AvBb-2009 I evsjv`k evsKi gvwb jvwis cwZiva wefvM KZK mgq mgq RvixKZ mvKzjvi/bxwZgvjv Abyhvqx MvnK evsKi Pvwn`v
gvZveK h Kvb Z_ mieivn KiZ eva _vKeb|
22. evsK h Kvb mgq evsK wnmve msv h Kvb wbqgvejx cwieZb, cwieab, mskvab ev evwZj KiZ cvi Ges RgvKvix Zv gb PjZ eva _vKeb |
Avgiv Dfqc D wbqgvejx Ges GZ`msv cPwjZ mKj AvBb gb PjZ ivRx nq wbg ^vi Ki A Pzwbvgv mv`b Kijvg|

wnmveavix/wnmveavixMYi bvg, ^vi I ZvwiL t

(1)
(2)

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(3)

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mswk KgKZv
(bvghy mxjmn ^vi I ZvwiL)