What is the LIC

The Legislative Information Centre (LIC) offers a range of services to the Hon. Members of Parliament, Parliament Secretariat Officers and Staff, and authorised researchers through providing a responsive and user-friendly information and library service. The Centre is located in the central point on the ground floor of the main Parliament Buildings. This Service Guide explains the services that are available at the LIC and the standards of service that the users of Legislative Information Centre can expect.

Services of the LIC

Records Held The Legislative Information Centre (LIC) of the Parliament Secretariat provides an archive service for the House and facilitates public access to valuable records preserved in the Library. The records include full parliamentary documentation of the People?s Republic of Bangladesh, parliamentary documentation of some countries, official gazettes and judicial papers, bound editions of Bangladesh newspapers, and scientific, historic, political, law, international affairs and economics literature, with special emphasis on constitutional and parliamentary matters. Printed sources such as the Journals of the House, Reports of Committees and volumes of Sessional Papers can also be consulted. On Line Public Access Catalogue A comprehensive description of the records is provided on the On-line Public Access Catalogue (OPAC), which is an automated catalogue of the Library. It is possible to conduct record searches from the OPAC terminals provided in the library (Members? Reading Room and Researcher's Reading Room).

Digitised Documents On CD-ROM The LIC is developing a library of CD-ROMs (Compact Discs ? Read-only-Memory) on which important archives, rare books and relevant parliamentary documentation has been digitised and preserved. The staff of the Library will be pleased to inform you about documentation available on CD-ROMs. These documents can be read on computers both at the Members? Reading Room and at the Researcher's Reading Room

Services for Hon. Members of Parliament

The Legislative Information Centre is, primarily, a service devoted to the Hon. Members of Parliament and is aimed at assisting them in the discharge of their high duties. The LIC

is committed to providing the Hon. Members of Parliament with updated and reliable information, in the minimal possible time. The LIC also provides access to modern information technology, allowing the Hon. Members and their duly authorised personal staff to conduct research through the Internet services and to communicate through the EMail services available at the LIC Computer Users? Centre and in the MPs? Reading Room. Members? Reading Room Located at the centre of the Library, the Members? Reading Room offers a reserved and silent atmosphere for concentration, quiet conversation and undisturbed reading. Daily newspapers, journals and any book of the Library can be read in the comfort of the lounge or in sound-proof cubicles and reading tables. The Reading Room is also fitted with computers, allowing for free access to the on-line catalogue of the LIC, the Internet and the MP?s e-mail accounts. The Members? Reading Room is reserved for Hon. Members of the Bangladesh Parliament. Computer Users? Centre Located at the entrance of the Members? Reading Room, the LIC Computer Users? Centre is open to the Hon. Members or to the authorised staff of Hon. Members, as well as to senior Secretariat Staff. A pool of twelve modern desktop computers and network printers are at the disposal of the users. Passwords are provided by the Chief Librarian to all authorised users of the Centre. The network also allows free access to the Internet allowing for fast electronic communication of the users.

Services for Researchers

LIC Researcher's Reading Room Hours of Opening The Researcher's Reading Room is open from 9.00 a.m. to 5.00 p.m during working days (excepted certain public holidays). The Library is closed for annual stocktaking in the last two weeks of December. The Library remains open at lunchtime but no documents can be produced between 1.00 p.m. and 2.00 p.m. No documents will be produced after 3.00 p.m. The Library remains closed or subjected to certain restrictions when the House is sitting and no permission can be given to any researcher for use of the library when the Parliament is in session. Admission and Access Prospective researchers should address a written application to the Secretary of the Bangladesh Parliament Secretariat, Sher-e-Bangla Nagar, Dhaka-1207 identifying themselves, describing the nature of their research, the duration of their proposed visits to the LIC, and (if possible) the specific documents to be consulted. Members of the

academic community (teachers and students) should enclose a forwarding letter signed by the Chairperson or Head of their Department. Civil servants should attach a certification of their superior. No readers' tickets are issued. Access to the office is by the Parliament Building?s main entrance, the public access of the House under the tunnel accessible from Mirpur Road and from Begum Rokeya Sharani. The entrance is suitable for disabled access. The adjacent Pass Office will issue a day pass for admission to the LIC on proof of identity and on confirmation of appointment. Facilities The LIC Staff assigned to the Researcher's Reading Room will advise about use of the records and explain the range of lists and finding aids which are available together with works of biographical and parliamentary reference. OPAC terminals are available to researchers both in the LIC Reception Area and in the Researcher's Reading Room. Researchers are requested to help safeguard our documentary heritage for the use of future generations by observing care and diligence in the handling of records. The use of portable computers, scanners and dictaphones is at the discretion of the Director (Library and Research) or Chief Librarian, and should be stated in the initial request for research and access to the LIC. Copying facilities are available (see below). Toilets and first aid points are in the vicinity of the VRR. Refreshment and lunch facilities in the Parliament canteen are open to the public. No food or beverages are allowed in the Members? Reading Room, Researcher's Reading Room and Computer Users? Centre. Food or beverages and smoking are strictly prohibited in the book preservation/stack areas. Copying of Records The LIC can supply a maximum of 10 A4 photocopies of hard-copied documents. The LIC will allow photocopying only if there is no risk of damage to original records and provided all copyrights are respected. The LIC and the Bangladesh Parliament Secretariat shall not be liable for any contravention of copyrights by researchers using its facilities. By special arrangement, researchers may commission a commercial photographer to undertake all types of photographic work in the LIC. Use of Records Permission from the Director (Library and Research) or Chief Librarian is required for any reproduction of, or extended quotation from, the records, and is usually given provided suitable acknowledgement is made in the work. Researchers are asked to refer to documents in the custody of the LIC of the Parliament Secretariat, whenever they are quoted in printed works. Researchers are requested to supply the LIC with off-prints or other copies of work in which use is made of the records. Postal Enquiries

The LIC is not able to undertake research for searchers but it is pleased to provide advice about the scope of the records for particular topics and to supply photocopies of readily identifiable material.

Standards of Service of the LIC

The Standards of Service express the commitment of the Legislative Information Centre (LIC) to offer quality services to the users as a centre for information on legislative functions of the Government of Bangladesh and related issues. All library personnel are aware of the Standards of Service. Performance of the LIC staff in the context of these Standards will be monitored. The services offered by the LIC will be courteous, user friendly, confidential and efficient The service will be providing in a befitting manner by offering the users a suitable environment to browse, read and gather information in their fields of interest The Centre will provide information on parliamentary practices of other countries, as well as disseminate information about the Parliament of Bangladesh worldwide The Centre would be vigilant to arrest any lapse in the services The Centre would deal with any complaints received The Centre will provide a clean and quiet working environment, and will expect the users to respect it.

Activities to Attain the Standards of Service

There will be professional librarians available for receiving, assisting and servicing the users Internet service for Research and Development (R & D) will be readily available for Hon. Members of Parliament and authorised Parliament Secretariat Officers and Staff Computerised catalogue of books and journals will be available in the Centre and through the Parliament website Important and current documents of the Parliament will be available in digitised formats

 Guidance for research will be available

SUGGESTIONS AND COMPLAINTS

Suggestions and comments will always be welcome verbally or in written form. Complaint/s received will be acknowledged within three days of receiving the same, and a reply will be given by the Director (Library and Research) within seven working days. If not satisfied, the complainant may say so, and the complaint will be sent to the Parliamentary Joint Secretary concerned, who shall reply to the same in fifteen working days. If unsatisfied, the complaint will be taken to the Parliament Additional Secretary concerned for his/her reply. Its time to cheers for all the customers, employees of LIC (Life Insurance Corporation of India), its subsidiaries and group companies because LIC of India(Indias No. 1 insurance service provider) and Axis Bank (Indias third largest private sector Bank) has come in collaboration to provide Value added LIC Credit card services. LIC Cards services limited ( Lic India D. K. Mehrotra, Current-in-Charge-Chairman of LIC of India) has announced their partnership with Axis Bank (Ms. Shikha Sharma, MD & CEO of Axis Bank) on June 21st, 2011 and received the first LIC Visa Signature Credit Card powered by Axis Bank by Ms. Shikha Sharma. Other Executives that were present at this function are S. C. Singh Director & Chief Executive, LIC India Cards Services Limited and Jairam Sridharan Head-Consumer Lending & Payments, Axis Bank. Issuance of LIC Credit cards: Credit Card Eligibility: Age criteria : Primary card holder Minimum Age: 18 years Maximum Age: 60 years Add-on* cardholder Minimum Age: 15 years No maximum age prescribed *(Maximum of 4 add-ons can be issued to a primary card) Residential Status: Credit card to be issued only to the following persons

Individuals resident in India. Eligible Segment: Following segments are eligible. (a) LIC Employees (b) LIC Agents (c) LIC policy holders (not life assured) Serviceable Pin Code Location: Residence should be in serviceable pin code location

Documents:
1. Income and KYC documents to be given as specified. 2. For existing Axis bank customers liability / loan account number to be mentioned in application form. 3. All documents should be self-attested by the applicant. 4. Photocopies of Income and KYC documents to be verified as per guidelines issued (i.e. Document verification by authorized LICCSL Sales Personnel). Contact Information: 1. 2. 3. 4. Office Land line number is mandatory (exempt only for LIC agents). Residence landline or mobile number mandatory. Where office number is a board number, extension number is mandatory. Pin Code is mandatory.

Not Eligible for LIC cards:

1. 2. 3. 4. Housewives and retired persons. People having Income less than the Minimum Net Prescribed Income. People residing in Non Serviceable Areas. People in Profile A and B list.

Documents to be submitted with LIC card Application form: The following documents are to be submitted with the duly filled and signed LIC credit card application form 1. Copy of PAN card OR Duly filled Form 60 (Only if PAN Card never issued) with any one of the following documents as Photo Identity Proof.

Valid Passport (un-expired) Voters Identity Card

Valid Permanent Driving License (un-expired) containing photograph of applicant.

2. Address Proof: Any one of the following documents is to be submitted by way of proof of the present residential address:

Copy of Passport LIC Policy premium receipt not more than a year old. Ration card Copy of Utility bills such as electricity bill, telephone bill, postpaid mobile bill, house maintenance bill, water bill, gas bill, etc. (not more than 3 months old). Copy of other bank credit card statement not more than 3 months old. Statement should either have full credit card number or stencil imprint on the statement. Copy of Bank statement/passbook with transactions not more than 3 months old from the date of application with minimum three customer induced transactions. Copy of registered lease / leave and license agreement in the individual name, which are not expired. In case of unregistered agreement, copy of the utility bill in the name of owner (not more than 3 months old) is required. LIC Staff quarters allotment letter Copy of LIC ID card wherein the address is mentioned and matches with the address mentioned in the application form.

NOTE: Where address proof is in the name of blood relative / spouse, relationship proof would be required. NOTE: In case of add-on applicant, if add-on applicant stays with primary applicant, a declaration from primary applicant in prescribed format as per Annexure B is required. Else, address proof in the name of add-on applicant is required. 3. INCOME PROOF: The following documents need to be submitted by way of income proof: Salaried Class A. LIC Employees:

Copy of Latest Form 16 OR

Last 1 months salary slip. Salary slip should contain account number and name of bank in which salary is credited or bank statement reflecting salary credit of the salary slip needs to be submitted.

B. OTHERS:

Copy of Latest Form 16 OR

Last 1 months salary slip. Salary slip should contain account number and name of bank in which salary is credited or bank statement reflecting salary credit of the salary slip needs to be submitted. OR

Salary certificate with last 1 months bank statement.

SELF EMPLOYED:

Copy of latest Income Tax returns (ITR) and copy of ITR acknowledgement OR

Prrofit & Loss A/C, Balance sheet attested by CA with membership number and copy of ITR acknowledgement.

LIC Agents:

Copy of latest Income Tax returns (ITR) and copy of ITR acknowledgement with latest 6 months Bank statement. OR

Latest 2 years form 16A with latest 6 months Bank statement.

4. OTHER SPECIAL MANDATORY DOCUMENTS Employees of LIC:

Photocopy of Employee ID card containing employee number on it. Email ID (if available)

Policy Holders of LIC:

Latest LIC Premium receipt (policy should be in force) / First Premium Receipt (where date of commencement < 1 year)

Agents:

Photocopy of Agent ID card Latest club membership certificate (if applicable). Latest 6 months Bank statement

INCOME CRITERIA FOR ISSUANCE OF LIC CARDS: Card Type Minimum Net Annual Income Gold 1,80,000

Titanium 3,00,000 Platinum 5,00,000 Signature 15,00,000 Computation of Annual Income: Document Computation ITR : Income from Salaries * 80% + Income from house property + Income from busines/profession + Income from other sources. Form 16: Gross Salary * 80% Salary Slip: Net salary * 12 OR Gross salary * 80% * 12, whichever is higher Salary Account: Lower salary credit of last 2 months * 12 Appointment/Offer letter: Annual Gross pay * 80% Profit & Loss A/C: Net Profit (Net Profit to be lower than Gross total income figure given in ITR acknowledgement) COMPUTATION OF ANNUAL INCOME: 1. Capital gains/Losses not to be considered for computation of Annual Income. 2. Negative income from house property not to be considered fro computation of Annual Income. 3. Agricultural Income not to be considered for computation of Annual Income. 4. In case of salary slip contains bonus/performance pay/one time incentives/advances salary, the same to be deducted from net/gross and added back to annual income on time 5. Where 2 months salary slip is given, annual income to be calculated based on latest salary slip. CLARIFICATIONS: Salary slip related: 1. Salary slip should contain either company logo or HR /Admin attestation or website address/URL link. 2. Where the salary slip does not contain company logo or HR/Admin attestation or website address/URL link, the salary needs to be supported by original visiting card or copy of company ID of the applicant or bank statement (including ATM mini statement) reflecting salary credit for the month. 3. Applicant cannot authorize his own document. 4. Hand written salary slip with sign and stamp of authorized signatory to be considered only for central and state government employees. ITR RELATED: 1. Copy of ITR should be as follows:

ITR 1: acknowledgement with first two pages ITR 2: acknowledgement with 6 pages ITR 3: acknowledgement with 7 pages ITR 4: acknowledgement with 9 pages

ITR V: acknowledgement with computation of income or copy of ITR.

Note: ITR 1 SAHAJ (5 pages) and ITR 4 SUGAM (7 pages) can be accepted. 1. For self employed, ITR should be in the name of individual and not in the name of the company / firm. 2. In case Income Tax Department has acknowledge ITR form with stamp and serial number instead of acknowledge, the same can be accepted. GUIDELINES FOR SRs: While sourcing LIC Credit card applications, please make sure: 1. The Applicant is eligible to be issued the LIC card. 2. The Application form is completely filled and signed at the proper place by the applicant. 3. The latest color photo of appropriate size has been affixed at the proper place. 4. The required documents have been self attested by the applicant. 5. The accompanying documents have been self attested by the applicant. 6. The accompanying documents have been verified by you by affixing the following stamp:

We provide the most sensitive cultural service to those in need of chemical dependency services and domestic violence prevention. To provide a highly professional treatment service response that promotes recovery and changes for a healthy lifestyle without chemical abuse or dependence. To help individuals, families and communities and to empower all and to promote freedom from violence. This program offers group and individual counseling, crisis intervention, emergency shelter along with providing for other numerous needs of women clients. Services include

Individual & group counseling Day and evening groups offered Transportation services to and from Outpatient Treatment, Continuing Care and Medical Appointments Referrals to medical and mental health appointments for women and their children Referrals to prenatal and postpartum check-ups Bi-weekly case management follow-up sessions Referrals for immunizations for women and their children

Continuing Care on Wednesdays: 11:00 a.m. - 2:00 p.m. Talking Circle Traditional Education Positive Parenting Education Living Skills Special Issues Education: HIV, FAS, FAE, Women's Health Issues

Eligibility Requirements

Rule 25 Chemical Use Assessment 18 years of age or older

Intake Procedure Call to talk with a staff member to help you think about the options available to you.

Trader / Service Loan

traders & service providers get loan to help your business grow

Learn more about our Loan for Traders & Services Scheme under TMB Business Loan Products.

Our traders and services loan scheme is suitable for all the general business community as well as the MSME sector that need funding for the working capital and other business related funding necessities. This scheme is attractive and offers loan upto Rs. 25 Lakhs with interest on diminishing balance. Purpose To meet the working capital requirement, construction of shop / godown / office building inclusive of interior decoration for own usage / occupancy, to purchase Office / shop usage, fittings / furniture, equipments, AC machines and vehicles of brand new and other financial requirements related to the business of traders

(Retail and whole sale Traders) and Micro & Small (Service) Enterprises such as small road & water transport operators, small business, professional & self employed persons and service enterprises. Eligibility Any Individual, Proprietary concern or a Partnership firm engaged in trading of any commodity subject to the applicant not enjoying any working capital limit with our bank / or from other Bankers after availment of this scheme. However if one of the partners is having proprietary concern, we can entertain the proprietary concern even though the partnership firm enjoying Working Capital limit with our bank / or from other bank. Form of Advance Term Loan / Demand Loan for working capital purpose as well as for acquiring assets as stated in purpose column with monthly repayment schedule and Overdraft Limit subject to renewal once in a year. Loan Quantum Up to Rs. 25 Lakhs. Obtention of Financial Statements Not compulsory. If the Financial statements are available, a copy of the same should be obtained & verified. If the Financial statement is not available, repayment of the Principle and interest should be assessed by enquiring the other income particulars available. Repayment The repayment of TL / DL / WCTL / WCDL / OD (WC) shall be fixed on the basis of income generation of the borrower (individual / concern / firm) and the repayment period shall be restricted to a maximum of 60 monthly instalments. Security Primary: For TL / DL: Asset to be purchased / created (including building to be constructed) out of Bank Term Loan / Demand Loan and collateral as shown below. For TL / DL / OD: Hypothecation of Stock / Book Debts. Collateral: Agricultural Land will not be taken as collateral security. a) If located at Metro / Urban / Semi urban Areas: Land / House Plot / Building properties not less than 150% of the limit. (In case TL / DL is sanctioned for the construction purpose the total value of primary security after construction should not be less than 150% of the Loan sanctioned, if it is less than 150%, additional security to be obtained to cover at least 150%). b) If collateral located at Rural Areas: Land (except Agricultural) / House site / House building Properties in the prime area value not less than 200% of the limit. (In case TL / DL is sanctioned for the construction purpose the total value of primary security after construction should not be less than 200% of the Loan sanctioned, if it is less than 200%, additional security to be obtained to cover at least 200%).

As per RBI Mandatory Guidelines, no Collateral Security should be obtained for credit limits upto 10 lakh for Micro and Small Enterprises (both manufacturing &

service enterprises). Banks in turn, can take cover for the collateral free credit facilities under CGS (Credit Guarantee Scheme of Credit Guarantee Fund Trust for Micro and Small Enterprises (Set by Government of India and SIDBI). The customer has to abide by the rules and regulations stipulated by the Bank in this regard. Insurance Comprehensive insurance has to be made on all the assets hypothecated to the bank. Machineries and Collateral Security like Building should also be insured. Rate of Interest (Irrespective of Loan Amount) BR + 3.00% (13.75% p.a.) if repayment period is upto 36 months. BR + 3.50% (14.25% p.a.) if repayment period is above 36 months. BR + 4.00% (14.75% p.a.) for all Over Draft Loans. Additional 0.50% concession for Term Loans / OD [Reducing balance] if the loan amount is covered by urban property of 200% and above or rural property of 250% and above. Current Base Rate for Lending (BR) is 10.75% p.a.

Margin

WCTL / WCDL / OD (WC) - Nil TL / DL - 20%

Penal Interest Any irregularity or default in repayment will attract penal interest of 2.00% p.a. over and above the above rate of interest on the balance outstanding. Processing Charges 0.50% of the loan amount without any maximum cap in case of TL / DL. 1.00% of the OD Limit without any maximum cap and in case of renewal 0.50% of the OD Limit without any maximum cap. Requisites Application from the applicant in Form # 139 (Application for Financial Assistance to Retail Traders, Small Traders & Small Business). Details of collateral security offered. Suitable personal guarantee of third party.

All the above Terms and Conditions are subject to change and sanctioning of the loans is at the sole discretion of the Bank. Service Tax on All Service Charges extra wherever applicable.