Meezan Bank Account Opening Form! Cetera accent [etectve rom: Jamadins-Sani 1436 1 April 2015 FOR BANK USE ONLY Customer No. Dae Account N The Monaser, BAN. Branch, Om ous OFKO CoE Paki, i Curent Account 1D Savings Account We neque you to ope a acu with Mewcin Bank Limi pes ener. C2 Othe: NATURE OF ACCOUN 1 indiviusl(Sinels) CL Joint 2 Minor Photo Accmint ET MBL Sti Sole Prrictonthin TITLE OF Account nest Mailing Address Pomose of Account Savings Salary 2 Onder) NIN. (oshere applicable) STRN (Optional) Personal Information Applicant Applicant 2 Full Ne as por CNIC & in Block lates) Gender Mate OO Femate CG Mate Femaie Father’ Name Hisbands Name ‘Marital Status ‘Mosher Maiden Name Date oF Binh (A-mmeyyyy)| Nationality Coury of Residence (CIC Passpor’B. For No. Expy Da (CNIC Papo) (999) Dine & Poe af Ise (Papert Rosidanee Telephone Nurser ‘Mobile Number Residential Address Rowdenial Stave (Owned Reniadoihe7) Era Adrove Salaried Cl Sa Employed TD Suloried Self Emploved Occupation Profession 1D Mousewite other DB Hensewits Other. Designation ‘Namne oF mplayer Business Enplayer Business Ades (ice Telephune’Fax No. Monthy income NOTE: Incase of more than to aplicants, please provide pancular of remaining applicants on phulocopy offs page of AOF duly signed by ll apphicans ACCOUNT OPERATING INSTRUCTIONS 1G Singy Ci Jointly O) BitherorSurivor — C) Osor (please speci) OKA DEOUCTON SHUTTLES LLL Yes Cl No(Peasosubmica validaidavty) ——C] Not ApplicableMeezan Bank eee eae NEXT OF KIN ‘ane dns fhe poset akin be enti fr ersinng my our whos Nae. Retaionin EIEN Opin Ae. Comet Nay PARTICULARS OF INTRODUCER (Optional) AcsounN, Tid ofAscous ‘Bask & Brapd)____________retaonsip th be Appiangs) conta No, Names PA. No.of Verfing Offer ih arch tmp ‘emncar ipaci) CVC, 1D erecta Dini, — O2stems Aston 100 omen (Cheque nding efor isch rete siti May Fw ct fas mo dete gpa ay dither 1 Datiecont omc cs Teenie ve vesien, CSE Nie Cage wil espplialen prlateteleesuges (yours ton MAE op: NP ner Ml OAD rin) VV OS CC) (Hott a acy cChws wi gps pr Sele Cen) 1 Ewatement Ena Adds Frequency ]Menhly Cl Quanety Mate venty Uh mtr the Hak nen ence ttn sh: mente ml ads nea of ping ha ony act ement hah comer EXISTING RELATIONSHIP WITH MEEZAN BANK L1D./ OTE AK CVs No Account No Account Tite aniasen Nams SIGNATURE OF PONS) Vie eter et adn ped etn te el “Title of Accom Accom Nutuber Product Name romney wel Cade Branch Name 1 Name Signatnre Signe Name Name Signature Stout SIGNATURE REQUIREMENY [Sinaly C1 Jointly C)iither or Susitor Cee Mane pss26 28 29 a 32 33 34 36 37 eet Sra AILRights Reserved Peet en Relationship between Bank & Customer Fol profi ening Asn Cat sai Invent (COM Clad or crn) he elnsip baen Fk andeutomer shall on th prineipes of Mndaraah, where the Customers the Rab il Maal and the tank the Wd the Bank {the Mugarih may investor disinvest sole discreuon, maney'funds received by i from the customers in any ofthe ures (The Fes) the Hara a i i he egal te Stara Ac Shah Stray ou Man Ba Adora features in expect of Saving Accounts sehemes and COllss may be appleable irom time to time shall be stipulated in ochre a sty websic uf the Bank at wwnemoeranankon eee . Funds deposited by the Castomer with the Bank: unde the Cent Account oon the basis of Qrd and these shall be payable y the Bank ‘pon denand The Bank may at seen uilize wh fundies deems peablehy Profit & Loss sharing 15 Muclasb, shall share a the profit on the basis of @ predetermine! percentage of the distibulable profit ofthe Business (the its The eau poeeor the sis da elaten ent shod on pcr fend oa esbrun tna eas al rect coe and expensing in.devvrg ta nceme aswel a mms ai ae A aves. he Maar Sone phe var from time tie and can be obtained Thom the Bank upon requests well available on the Banks website ut was racesanank com The Bank, adr “The Bank may at its option also participate inthe Business as a ivestor.‘The Bank share as an investor will be in propotion to dhe Bank ily nv many pool belore dstrbuton of rol bens Rab Maal and a Alle Custone/COM Hoes stl be asigned weshiagss (pot dsicaton ao or weigh verge invests bed a he aes ate Aeeoums) andor COM) eld by tiem, such enue, Prot paytent options and lhc apleable eres fo Ws pun Sateiaon of pro The weigher: appeal ll Accounts) al be armors every man ane sal be wala The Bane “pon request and at the were of te Pn a www mceranianke cor, The weightages shal he annenincad working days Helo hehevinning (oF the period cumcemod und shall not be charged during The pend. Incase of Savings Accounts unles there indicated bythe Bask, profit would be apple on monthly ass, All acount are Finalized a tisend ofthe mon by te Bank fr ceuaio of potters mm * Profiteulculuion muh, uses pr the deposit produ spefcation, ars ona daly prodet basis (ily dy clan rind ins acco clad wih ig resis weg apa), Sich toa seonaed wh a spective depot peice mmenooned in ‘he product brochute as wells aaable on the Banke wets al worwatezcanbacom Io the even of loss on eer the capital or revenue acoune in epec of te busines, al investoc ofthe vesment poo! shal share in ssh {Gxt n po rats bassgwontatonaaly prey arcane ever ow axxo ict bythe Bushs ad sas Caused Byte iross negligence or wil il default of the Bons the Customers will not be Fable t share in seh Toss, Redmon of any amount subjet to COllsSaving accounts by the customer shll mean the tunsfer of t-nepoctve share in he Business sla wth al lta ses and retards sch edarpten sal bs the has the pamela fe testa sujet the provisions Jnnespect of Pofiin Clase 21 and Lows n Clause 2 here name meer “The COlls issued by the Bank shall be governed by these conditions as wel s the Terms and Contltions for Cenfiates of Islamic Lavestment {COI Terms" To tne extent tat hes ams ar pat most with te Call Terms thy shall apply oi same ete and lo she ‘SH Holder in Account Holder of he Bank sn te hls versed nthe COUS are Considered ae amounts svatiabe an the Account af he Coll Helder. No profi willbe paid on Current Accounts (Pak RupeesForcign Currency) as these are on the basis of Que General Upem recep of duly fills Account Opening Form and the reuse documentation and information reguied thereunder or thensise by the Bink the Bank maa is sole discretion, open an account andor agro to provide the Services to ths CSR ‘a The Bank may accept cheques, daft and ther instruments payable‘or endorsed to the Customer fr collection entirely a the Customer's own risk. Uneleared items, though credited, shall not be drawn against, and i the same k allowed o be draw against, the Bank shall have the Pht {Gdebitthe Account i te proceeds ofthe instruments are not realized. he Bank lise Aceon statements or ke hay ble ough Inert Banking ot Htc Mal En one Accom semiannually ora such othr intervals as required by SBP. The Customer will inform the Bank within forty five (45) days ofthe date oF the seg mcf acount of ny misc dcop rer in hese terse sane wl sense cree and esd re Castomet Incase, Account Statement is sent through Himail, hank will no be eld responsible for any misuse of he information so relayed, ipeomplet> ‘logon, aan consng Aceon Siem et ues Basel nots kere et ass of zal Hox Ful Sera a “The Rank rmiy, without ony farther express shoriation from the Customer, debit any count of the Customer maintained with the Bank forall expenses, ees, commissions, taxes, duties, Zakat or eorrect erroneous and incorrect posting of entries and inform the Customer subsequently or other charges and elaims, damages, actual losses incurred, suffered or sustained by the Bank in connection with the ‘opening/operation maintenance ofthe Account including withdrawalstransations through uss of Cant and/or providing the Services andor for any other hanking services which the Bank may extend tothe Customer unless exempted by SBPiotherrepulatory bodies Withdawals shal only he madera hous om and bit ards supp hy the Bank at the wren ecu ofthe Came CTegcs geadoerpavent seuss ae lo be sighed as pos spcanen signature sipped othe Bank a aeration hee ae obo ahead bythe Cuntomers signature Ail cash widhdrawals na curency/curtenciss fier than Rupes shall be subject io dhe avaablity at the tine of slifcient currency notes with the bank. Ifthe Accounts opened in the names of two or mere persons ine balance to ths credit thereof tan time shal belong tothe Customer joint Such persons sh be jn and severally Hable fora lies nerved on te Accountant the Seviees. venMeezan Bank : ; or De eer are Were Nea tat 38 Incase of Joint Account withthe or suivor operating nsrctions in the even ofthe death of ny of he Customs, the aun of deposit {othe cot of such Account the ne of the det nqueson shal bog othe survivors In such eases he survivors ay aa a !allable Runs om the Account using ehequs book, else the Account and open new Account sper te dsereton 3.9 Any customer account such as Current andor Savings or similar aecount opened in any product including Foreign Currency Account that remain inoperative for aptiod of one (1) year stall be designated as Donmant Accor (the “Dormant Accpuns), Debit ret of Bank generated transactions of money in the Dormant account(s) shall not reactivate the Dovmant Account. Similarly, credits recefved in account ‘9n account of inwand remittances, clearing, cash deposits or other such transactions shall not reactivate the Dormant Account, Withdrawals, fom the Dommant Accounts shall be subject the approval ofthe relevant Braach Mnaget/ Manager Operations or in accordance with the Prevailing policies ofthe Bank. A Customer may have his/her Accouni(s) reactivated by making an appiieation in writing to the Bank as per the procedure/form provided by the Bank. In exse an Account rem for ten (10) vears, the fund lying to the credit of the Dormant Account Shall be surrendered to the State Bank of Pal ‘the applicable rules and regulations 30 In case ofthe Bank receiving notice ofthe demise of an individual Customer or becoming aware from any reliable source, the Bank shall not be obized tn allow any operation orwtkrawal except onthe prodocton of evdenee of ile or ight te operat the Account whch the Bank ‘considers sullicient 311 The Bank reserves the rh ais sole discretion and wi 15 days nice othe Customer, to close the Account, without dseloing the reason forclosureof the ad Account inte Customer ler expry of 1S days period, the erat balance m dye Castner Aceon wile sent hreugh Payordcr on the current customer's address on the Hank's record. Furthermore, the Bank, at is discretion, reserves the right (0 clase t Accoun(s) having zero balances for a continuous period of thee months 312 Qu elonre of an Aozount ny uns cheques and ATM Cand relating fo the Account shouldbe tumed forthwith bythe Castomer tothe Bank Altematively, i may be confirmed to the satisfaction of the Bank in writing that the unused cheques have been destroyed. [U3 In espox of Account) opened inthe name of minors, the Bank shall be cn to act on the insrutions recive from the guardian named bm account once form and acep te same come aes an dahon ® 4114 When the minor reaches the age of majority, he guardian sal he required to clone the minor account andl open a regular nccountin the name othe child ward In eae the minor account is hot ofically closed by the guardian, upon minor alaning ge of majority, the account shal be marked as "Debit Biosked. 4. Alternate Distribution Channels 4.1 The Card represents a Shariah Compliant Business entity and shall not be in any way used for purchases of HARAM Products or Services (Patt locally and inerationaly), The Bank reserves the right to escontine the Card Service or/and Tsines eatonship With the ‘ceoutolder if aon- compliance is encour 42 The Card shall only be used by the Accoumibolder and is nol iginsferuble, Ifthe Avcoumtholdr authorizes unybody else to use hisher Card. dsp hs prohtion, ten hese willbe exclusively responsible foray and all sks and consequenes this eludes usage of Card at ATM vermial 43 Inthe event of loss or theft ofthe Card, the Accountholder shall immediately notify such loss or theft to Call Center Department ofthe Banke ‘90 such runber as provided by the Bank for this purpose. The Card Holder can also De-activatehishher Debit Card by registering and using the Bank's “SMS Banking 9060" Service, 44 The Bank is also entitled to market its prxiucs and services to its existing Customers via the SMS, e-mails and other channels 45 The Customer acknowledges hal SMS facility is dependent on the telecommunications inftastructure, connectivity and serviees within Pakistan, The Customer accep that timelines of Ales sent by the Bank will dgpend on factors affecting ths telecommunicationsindusty. Neither the Bank nor ils Service Providers shal be Hable for non-delivery or delayed delivery of ales ero, oss, disiortion i transmission of and wrongful transmission of alerts tothe Customer. 446: The Accountholder’s instructions, received through TVR (Interactive Voice Response) by manually entering Debit Card number and T-PIN or gal instruction received at Call Center, after providing positive verifications about hisher account, shall be deemed tobe proper. Accordingty, the Bank shall be entitled to rely on any such instructions. The Aecountholder shall not reveal Personal Identification Number (PIN) and ‘Telephone Personal Weniification Number (EPIN) to anyone including Call Center oe any aller stal ofthe Basi, S. Promium Banking 5.1 Premium Banking services are offered by the Bank at its sole discretion to customers (including Current and Savings account- holders) who maintain the required criteria. Criteria for Premium Banking services are mentioned in the Bank's Schedule of Charges, and can, be changed as pet the Bank's discretion, Premium Banking services may be digontgued if the required criteria sre not maintained, Subsequently, charges for services shall be levied as per the Bank's Schedule of Charges 6 Amendments 6.1 The Bank may from ime to ine and at anytime revise andor change amy of these Terms and Centon snr de features ar sevice petaining Wo the Accounts) including wiout lingaion, the changes Keviabl in eapoct of tae Services in accordance with Schedule St Charges Such revisions andor cates shal be eects fro the date specified the Bank and wil ether be nosfied o the Customers) ‘ho are inaiannung such Acouns tough maemo by ang anole to tat effect at a conspicuous place vain the premises of the Bin chnournad Bennh(ony the amendments shal at be mage ssbto on the webate of he Hank kr seemectanben som. The nmin Tos and Canons wil bs noted ote Customers wit 80 days asancs nos. 7. Governing Law 7.1. All funds deposited in the Aecount to be opened pursuant to this application and all ansactions in relation dheeto will be govemed by the “Terms ana Conditions for Accounts ssnd Services, Policies of Meczan Bank Lt anal laws, regulations, rules, decrees, by-laws applica fo Meczan Bank Lid. including regulations, directions and circulars, issued by the State Bank of Pakistan and all amendments that may ‘made from time to time, provided that such laws do not contadiet the Islamic Sharia, In-case of amy contradiction, the rule of Islamic Shariah as per the dicecuves of the Resident Shariah Board Member’ Shariah Supervisory Board of the Bank of Shariah Supervisory Board of State Bank of Pakistan, in light of the IBD (Islamic Banking Depariment) guidelines, will prevailNeca Bank SOIL yA Spi L lei Gute GP Ba Lumet 1 aSP” (Weightages) wiih s/” wh itn Boe Mose 2 eK el Hiv pdgr BIL, hE dnt ysl tue SLE, nh ISOC RC DW 4 fy wink, tlre 6 SoS SP inthe terSL08 b Pele Fine siglo Pl Bes Ah hohe tle tee, WE oti ies bike Wee Ue Seis unas é Shitty ligt Uncieared -Lslas Lf a ab Sige Fea ee Wine Cote PES LAA ALE Le SE lth tr htLon tts aren 6 seb Ca aI = SG 7 8 Pit yin necinunneote titi wcvhinc anid ey Lees tna FA LI in ita E barat BechacKi Eh” a0 A A Ara haiti fawn Pit Dine aS St tele Pte NE Bre Se BL til TL ies (18) vx KW Line Moe ae PSO Mian iin tin le POT DECLARATION “For Savings Account only, By signing these Terms and Conditions and attached Account Opening Form, U/We are entering into the joint pool of all Account Holders, and «long with them into Mudarabah with the Bank to participate in profit and foss of the poo! subject to the Terms and Conditions mentioned above. We declare and confirm that I/We have received, read and understood the Bank’s Terms and Conditions Governing Aceounts/s which hhas been signed by me‘us in acceptance thereof, VWe agree to observe and be bound by the said “Terms and Conditions" and any changes, supplements or modifications thereto that may be made by the Bank fiom time to time. Furthermore, I/We acknowledge having received ‘8 copy of this Account Opening Form including these Terms & Conditions, with salient features in Urdu. ture of Applicants) ame NameMeezan Bank PU rest tear za sen Ted Pe ee Cnet osa hisete Ta REQUIRED DOCUMENTS (CHECKLIST) 1. Copy oF val identity documents) de. Copy af Computerized National Idcatity Carel {CNIC) / Sate National Idontiy Card (SNIC National density Cant for Overseas Pakistanis (NICOP) Pakistan Origin Card (POC) Passport in case of Focign Natio 2 Occupation Pivot for uur of newme 2.1 Salaed Peso: Copy of Service Cael Or Copy of recent py slip (nt older than 3 months) Or Copy of atest om 29 (i iretr of Company). 22. Selfemployed'Business Peron: Lener of Sole Peoprictorship on letethead Or NTN Centfcae of Business Or Lerter from Partsrship Fire, 23, Housewives SuudentsRetied et: Valid proof f scure of income of fsa supporter ie husandparenson date as persed business port Or pension documents. 3. BorMinor Accoums 31 Copy of Rit Certfcate/A-Fonn of minor issued by NADRA. 3.2. Documents of Gunrian’sas per Serial No. | & 2ahowe 4. or Sole Proprietorship Accounts 4.1 etity document(s) of so propriety as per aston | above 42. Copy of NTN cenificates fr business of sle propritr. 43 Account opening request & propritership leer on leteebead sper bank's prescribed format 4A Regsuation enti fr royistend eoneers 45. Cerificate or proof of membership of tade bodies etc, where applicable Special Considerations: 4 Expinadc 1. CNICs senior citizens (6S years or above) are not considered expired as per SBP directive 2 Casamers whose CNIC is exping within one ment should ply fr renewal o7 NIC at NADRA Ore an compete formal a below: (9) Copy of Orginal NADIA recerpt& eopy of expired CNIC, i) Customer’ undertaking onthe Banks preserbed format 1b. Staky/tmmarureSimple Signanie (that can be easily estate: Photo Account shall he pened (refer to Seetion cholo), Photo Account Two recent passport sized potoruplis and Customers righ nd lef thumb impressions on AOF und SS etd in he presence of sn ‘authorized Bank officer, ‘Vernacular Signature: Indemnity an the Hank's approved format on Rs. 10 stamp pape. Tease signature dtfrs on CNTC and AOF, iain Customers Uadoraking on Bank's pesseribod format In eas tho adress on CNIC andl AOF is diferent, obiin Customer's Undertaking on Bank's prescribed Format LENIC dos nat contain photograph 1. Phexograph duly antcsed by Gazcted OMe Nazinv dminisratorBank OMe, 2 ENIC copy without photograph duly tested by he sme person whe atest the photbgnsph as per Se. No. (I) above 3. Aconfimaton in writing oth fcc thatthe nvidual has no other document bearing te photograph Photocopy oF documents T,_ Wherever the photacopy of dacuments ned toe subitin Customs are retire show ther arignal crt Hanks authorised ace 2 The Maken ssqust Rr addtional document), i uid COT TTT nil Dap posi Slip NovDeti of Cha Perna Banking Occ Kan: & Sipe) Date nb Nae iy) Date ‘Auli oy (Saree Site) Date ‘opens Manager (Nuns & Signature) te ranch Manager Name & Signs) Dae ‘Wis confines he he ne of ppm) ished ant oun SPNNOFACTNSCR NAB Ran it ‘BATS Signe BM s Remarks any