Features of BDT 200.

00 (Two Hundred) crore through issuance of 5 years fully

redeemable non-convertible Zero Coupon Bond:

Bishwas Trading and Construction PLC (BTC) has envisaged to issue up to 20,000 indivisible
lots, consisting of 60 units each, of guaranteed, transferable, redeemable, and non-convertible
Green Zero- Coupon Bonds with face value of up to BDT 3,200,000,000.

Minimum subscription amount is a single Market Lot priced at BDT 100,000 (One Hundred
Thousand). The bonds are BDT denominated and will be issued in dematerialized format and
available for trading on the Alternative Trading Board (ATB).

Table 1: Features of the Bond

Sandhani Life Insurance Company Limited Guaranteed Bishwas
Trading and Construction PLC (BTC) Green Zero Coupon Bond
Name of Instrument
Guaranteed, Transferable, Unsecured, Redeemable, and Non-
Basic Features
convertible

Issuer Bishwas Trading and Construction PLC (BTC)

Purposes and Objectives Financing development, construction, and sale of the Bishwas
Builders Green Real Estate Project

Advisor & Arranger Bengal Investment Limited

Trustee Sandhani Life Insurance Company Limited (proposed)

Lots to be issued 20,000 Market Lots

Issue Price per Lot BDT 100,000

Issue Price BDT 2,000,000,000

Face Value Up to BDT 3,200,000,000

Tenor 5 years

Minimum Subscription BDT 100,000(1 Lot)

Yield to Maturity 12.68% per annum (subject to approval)

Investors Any eligible investor

Mode of Placement Private Placement on best effort basis

Each lot shall be redeemed over 60 months at the end of each

month starting from the Issue Date as per the attached Redemption
Schedule.
Redemption Final Redemption of each series shall occur at the end of 60th
month from the Issue Date of that series
 1 Month Redemption Redemption
No. % Redemption Amount in BDT

1 1st 0.63% 20,000,000

2 2nd 0.63% 20,000,000

3 3rd 0.63% 20,000,000
4 4th 0.63% 20,000,000
5 5th 0.63% 20,000,000

58 58th 0.63% 20,000,000

59 59th 0.63% 20,000,000
60 60th 63.13% 2,020,000,000
Total 100% 3,200,000,000

Transferability of Subscriber shall have the right to freely transfer novate or assign all or

Securities a portion of its rights and obligations under the Subscription

Agreement.

The Bond does not have any prepayment or call option and put option.
It is also Non-Refundable and does not have any conversion feature.

Prepayment, Call,
Refunding, Conversion However, per the deed of guarantee, in the event of default by the
Features Issuer under the Guarantee facility accorded by the Guarantor, the
Guarantor may at its sole discretion redeem the outstanding bonds by
paying all bond holders one month's maturity payment (unless it is the
final maturity payment) and the final maturity amount as per the
Redemption Schedule

Late Redemption In case of a late redemption, the investors shall receive an interest at
the rate of 2% p.a. on the amount of redemption due for the period
between the redemption due date and payment date.

Listing The Bonds will be listed on the Exchange(s) and available for trading
on the Alternative Trading Board (ATB) when approved by BSEC.

Taxation Taxable as per Tax Regulations in Bangladesh

• Regulatory Fees: the applicable regulatory fees payable to the BSEC
Cost related to the Issue in connection with the Issue.
Application Fee: BDT 10,000
Consent Fee: 0.03% of the total face value of the Bond
• Legal documentation: the costs incurred in connection with
the preparation and execution of this Agreement and the
Bond Documents;
Legal & Other Costs: TBD

• The Issue Registration and Annual Registration fees and

expenses of the Trustee and the Paying Agent of the Bond
and the other parties to this Agreement and the Bond
Documents;
Trustee Fees: As per agreement
Issuer will share the copy of Challan in favor of "Sandhani
Life Insurance Company Limited".
• The cost of obtaining and maintaining any credit rating for
the Bonds and the Issuer;
Credit Rating Fee: As per agreement Surveillance Fee: As
per agreement

• Other associated costs: other costs and expenses

associated with the Issue including the fee payable to the
Arranger;
Arranger Fee: as per agreement.
• The fees and expenses of Central Depository Bangladesh
Limited for maintain the Bonds in its system in
dematerialized form;
CDBL Fees: TBD