sc.com/bd

Personal Loan Supplementary Documents

Important Information Document (IID) for you to know about your Personal Loan from Standard Chartered Bank

Dear Client,Thank you for applying for a Standard Chartered Personal Loan. At Standard Chartered, we believe in earning your trust by presenting information and document in a clear and transparent manner to you. Therefore, you are kindly requested to please note the following key terms that are associated with your loan:

Processing Charges

Items Personal Loan

1. You will be charged maximum up to 2% of net loan amount with 15% VAT applicable. Stamp Charge will be at actual to be paid by you.

2. No fee is required to apply for loan.3. No discount/free gift or any other commitment is given whatsoever which is not documented in the

loan agreement of Standard Chartered Bank or any of its authorized representatives.

Interest Rate The Interest rate has been explained to you which is computed on monthly basis (360 Days).

Prepayment/redemption fee

1. If you wish to fully or partially settle your loan, 2% of Principal outstanding amount of your Personal Loan will be charged as Early Settlement Fee.

2. You will be eligible to repay the loan early only after payment of your 6th (sixth) Equal Monthly Instal-ment (EMI).

Loan Processing Steps

Your Personal Loan application will be processed and final loan amount to be disbursed in your account with us at one go. Your consent has been taken upfront and Standard Chartered Bank will let you know the final details of your loan through a confirmation letter, after disbursement of your loan.

Odd Day Interest

1. Positive Odd Day Interest (PODI) occurs when the loan booking date and first instalment dates are more than a month apart. This can also occur in the case of a due date change where, on account of a due date change, the difference between the last repayment date and next repayment date is more than a month. I hereby consent to realize PODI from my account.

2. Negative Odd Day Interest (NODI) occurs where the gap between loan booking date and first instal-ment date or gap between last instalment date and next instalment date (in the case of a due date change) is less than a month. NODI will not be realized from my account.

Risk based pricing (if applicable)

Discretion of the Bank

The interest rate on your Personal Loan will be calculated on a Reducing Balance Method. This interest rate can be re-fixed at any time at the Bank’s sole discretion.

The disbursement is at the sole discretion of Standard Chartered Bank and no commitment has been given regarding the same.

Other Important Information

1. Your first Equated Monthly Instalment (EMI) will be within 30 days from the day of the disbursement of the loan

2. All charges and fees are subject to 15% VAT, to be paid by the applicant.3. Please be informed that there will be repercussions of non-payment of monthly dues which includes

blocking of your account(s) with Standard Chartered Bank. This may negatively impact your credit rating and may jeopardize your access to future loans from any reputable lending institution. Please note that Standard Chartered Bank will also take necessary steps to collect any unpaid dues, including legal action where necessary.

4. Please note that your credit data will be shared with credit information bureau or other regulators, as required by law or other competent authorities having jurisdiction over the bank or any office of the Bank, any affiliates, agents, assignee of the Bank or member of Standard Chartered Group.

5. This document is for your convenience and does not replace your Personal Loan Agreement. If there is any conflict or inconsistency between the terms in the various parts of this IID, the terms and condi-tions enclosed in the "Personal Loan" (the Loan) application form and Banking Agreement letter will prevail over those in the IID.

Name:………………………………………………………………...

Date:………………………………………………………………….

Signature: ……………………………………………………………

Name and Designation: ……………………………………………

………………………………………………………………………..

Contact number:…………………………………………………….

Customer Copy

Important Information Document (IID) for you to know about your Personal Loan from Standard Chartered Bank

Dear Client,Thank you for applying for a Standard Chartered Personal Loan. At Standard Chartered, we believe in earning your trust by presenting information and document in a clear and transparent manner to you. Therefore, you are kindly requested to please note the following key terms that are associated with your loan:

Processing Charges

Items Personal Loan

1. You will be charged maximum up to 2% of net loan amount with 15% VAT applicable. Stamp Charge will be at actual to be paid by you.

2. No fee is required to apply for loan.3. No discount/free gift or any other commitment is given whatsoever which is not documented in the

loan agreement of Standard Chartered Bank or any of its authorized representatives.

Interest Rate The Interest rate has been explained to you which is computed on monthly basis (360 Days).

Prepayment/redemption fee

1. If you wish to fully or partially settle your loan, 2% of Principal outstanding amount of your Personal Loan will be charged as Early Settlement Fee.

2. You will be eligible to repay the loan early only after payment of your 6th (sixth) Equal Monthly Instal-ment (EMI).

Loan Processing Steps

Your Personal Loan application will be processed and final loan amount to be disbursed in your account with us at one go. Your consent has been taken upfront and Standard Chartered Bank will let you know the final details of your loan through a confirmation letter, after disbursement of your loan.

Odd Day Interest

1. Positive Odd Day Interest (PODI) occurs when the loan booking date and first instalment dates are more than a month apart. This can also occur in the case of a due date change where, on account of a due date change, the difference between the last repayment date and next repayment date is more than a month. I hereby consent to realize PODI from my account.

2. Negative Odd Day Interest (NODI) occurs where the gap between loan booking date and first instal-ment date or gap between last instalment date and next instalment date (in the case of a due date change) is less than a month. NODI will not be realized from my account.

Risk based pricing (if applicable)

Discretion of the Bank

The interest rate on your Personal Loan will be calculated on a Reducing Balance Method. This interest rate can be re-fixed at any time at the Bank’s sole discretion.

The disbursement is at the sole discretion of Standard Chartered Bank and no commitment has been given regarding the same.

Other Important Information

1. Your first Equated Monthly Instalment (EMI) will be within 30 days from the day of the disbursement of the loan

2. All charges and fees are subject to 15% VAT, to be paid by the applicant.3. Please be informed that there will be repercussions of non-payment of monthly dues which includes

blocking of your account(s) with Standard Chartered Bank. This may negatively impact your credit rating and may jeopardize your access to future loans from any reputable lending institution. Please note that Standard Chartered Bank will also take necessary steps to collect any unpaid dues, including legal action where necessary.

4. Please note that your credit data will be shared with credit information bureau or other regulators, as required by law or other competent authorities having jurisdiction over the bank or any office of the Bank, any affiliates, agents, assignee of the Bank or member of Standard Chartered Group.

5. This document is for your convenience and does not replace your Personal Loan Agreement. If there is any conflict or inconsistency between the terms in the various parts of this IID, the terms and condi-tions enclosed in the "Personal Loan" (the Loan) application form and Banking Agreement letter will prevail over those in the IID.

Name:………………………………………………………………...

Date:………………………………………………………………….

Signature: ……………………………………………………………

Name and Designation: ……………………………………………

………………………………………………………………………..

Contact number:…………………………………………………….

Bank Copy

Name: Branch/Sales Office: Address: Date:

City/District Bangladesh

BANKING ARRANGEMENT LETTER Dear Sir / Madam, We refer to your application dated under our Personal Loan Scheme, and we are pleased to offer you the following credit limit on the following terms and conditions: Particulars of your Personal Loan: Loan Amount (BDT) * : Purpose of the Loan : Processing Fee (%) : Interest Rate (per annum) : First Instalment Due Date : within 30 days from date of disbursement Number of Instalments * Instalment Amount (BDT) * : (the last instalment amount may vary from regular

instalment amount)

Method of Payment : SI PDC BEFTN (from: ) Settlement Fee : 2% of outstanding loan amount (prepayment or early settlement will only be allowed after

payment of the 6th (sixth) instalment) Other Fees/Charges : Any fees, charges, duties, etc. levied by the regulator or as per law will be applicable

on your loan with immediate effect, with or without prior notification.

The terms and conditions enclosed in the "Personal Loan" application form shall be considered an integral part of this offer letter and shall govern the credit limit offered

in this letter. *Amount may vary upon the assessment of the bank.

Customer Copy

Signature of First Applicant----------------------------------------

Signature of Joint Applicant----------------------------------------

DOCUMENTATION: The following documentation will be required to be completed and executed prior to the credit being available for drawdown. It will be necessary for the documents to be in a legally enforceable condition and in a form and substance satisfactory to the Bank:

DP Note for BDT .

Salary Certificate

Letter of Guarantee for BDT from

Bank Statement of 6-12 months

Tax Returns of last period

Memorandum of Deposit of Post Dated Cheques

Others (Please specify)

------------------------------

-------------------------------

ACCEPTANCE I / we expressly agree to the above terms and conditions.

The Loan amount, EMI amount and number of EMI may vary (Loan/EMI amount and EMI number will not be more than as mentioned hereinabove) upon subsequent assessment of the Bank and will be duly informed to you through a Confirmation Letter to your recorded mailing address and you hereby agree to accept the same.

To accept this offer please sign both the Banking Arrangement Letter and the enclosed terms and conditions forming part of the loan arrangement at the spaces indicated and return the same to us.

By accepting this offer you hereby authorise the Bank to disclose the information of your Loan to any regulatory authority, any office of the Bank, any assignee of the Bank, agent of the Bank or to any subsidiary company of the Bank.

You hereby agree that Bank may at any time or times hereinafter without notice to you apply the right of set off of all or any of the moneys from time to times standing to the credit of your any account with the Bank, in whichever form they are and whatever name they may be called, in or towards the discharge and satisfaction of all sums of money which now are or at any time or times hereinafter may become due or owing to the Bank by you either severally or jointly with any other person, or persons, company or companies on any account or in respect of any liability whatso-ever whether actual or contingent and whether in the capacity of principal debtor or guarantor surety or principal obligor or otherwise. You also agree and/or authorise the Bank to restrict withdrawal from any of your accounts as designated by the Bank after notice to you until all of your liability with the Bank is fully adjusted and settled.

After full and final settlement of this Loan the Bank shall cancel and destroy the Post Dated Cheques (PDC) that you have given to the Bank for securing EMI payment for the Loan. You hereby give consent to the Bank for cancellation or destruction of the said cheques.

Upon acceptance, this offer shall be construed as a valid contract between the Bank and yourself and valid and binding upon you and your successors and shall be valid notwithstanding any change in the document of incorpora-tion of the Bank or any merger, acquisition or amalgamation of the Bank with any other body corporate.

Authorised signature Authorised signature

Name: Branch/Sales Office: Address: Date:

City/District Bangladesh

BANKING ARRANGEMENT LETTER Dear Sir / Madam, We refer to your application dated under our Personal Loan Scheme, and we are pleased to offer you the following credit limit on the following terms and conditions: Particulars of your Personal Loan: Loan Amount (BDT) * : Purpose of the Loan : Processing Fee (%) : Interest Rate (per annum) : First Instalment Due Date : within 30 days from date of disbursement Number of Instalments * Instalment Amount (BDT) * : (the last instalment amount may vary from regular

instalment amount)

Method of Payment : SI PDC BEFTN (from: ) Settlement Fee : 2% of outstanding loan amount (prepayment or early settlement will only be allowed after

payment of the 6th (sixth) instalment) Other Fees / Charges : Any fees, charges, duties, etc. levied by the regulator or as per law will be applicable

on your loan with immediate effect, with or without prior notification.

The terms and conditions enclosed in the "Personal Loan" application form shall be considered an integral part of this offer letter and shall govern the credit limit offered

in this letter. *Amount may vary upon the assessment of the bank.

Bank Copy

Signature of First Applicant----------------------------------------

Signature of Joint Applicant----------------------------------------

DOCUMENTATION: The following documentation will be required to be completed and executed prior to the credit being available for drawdown. It will be necessary for the documents to be in a legally enforceable condition and in a form and substance satisfactory to the Bank:

DP Note for BDT ..................................................................................................................................................................

Salary Certificate……………………………………………………………………………………………………………………….

Letter of Guarantee for BDT ......................................... from ..............................................................................................

Bank Statement of 6-12 months

Tax Returns of last period

Memorandum of Deposit of Post Dated Cheques

Others (Please specify) ............................................................................................................ ...........................................

------------------------------

-------------------------------

ACCEPTANCE I / we expressly agree to the above terms and conditions.

The Loan amount, EMI amount and number of EMI may vary (Loan/EMI amount and EMI number will not be more than as mentioned hereinabove) upon subsequent assessment of the Bank and will be duly informed to you through a Confirmation Letter to your recorded mailing address and you hereby agree to accept the same.

To accept this offer please sign both the Banking Arrangement Letter and the enclosed terms and conditions forming part of the loan arrangement at the spaces indicated and return the same to us.

By accepting this offer you hereby authorise the Bank to disclose the information of your Loan to any regulatory authority, any office of the Bank, any assignee of the Bank, agent of the Bank or to any subsidiary company of the Bank.

You hereby agree that Bank may at any time or times hereinafter without notice to you apply the right of set off of all or any of the moneys from time to times standing to the credit of your any account with the Bank, in whichever form they are and whatever name they may be called, in or towards the discharge and satisfaction of all sums of money which now are or at any time or times hereinafter may become due or owing to the Bank by you either severally or jointly with any other person, or persons, company or companies on any account or in respect of any liability whatso-ever whether actual or contingent and whether in the capacity of principal debtor or guarantor surety or principal obligor or otherwise. You also agree and/or authorise the Bank to restrict withdrawal from any of your accounts as designated by the Bank after notice to you until all of your liability with the Bank is fully adjusted and settled.

After full and final settlement of this Loan the Bank shall cancel and destroy the Post Dated Cheques (PDC) that you have given to the Bank for securing EMI payment for the Loan. You hereby give consent to the Bank for cancellation or destruction of the said cheques.

Upon acceptance, this offer shall be construed as a valid contract between the Bank and yourself and valid and binding upon you and your successors and shall be valid notwithstanding any change in the document of incorpora-tion of the Bank or any merger, acquisition or amalgamation of the Bank with any other body corporate.

Authorised signature Authorised signature

Date:

Debit Authority

In consideration of granting me/us a Personal Loan facility, I/We authorize the bank to debit my/our account no:

Account Number:

Account Title:

I/we understand that the exact instalment amount will be calculated using the bank’s assessment methods based on the approved loan amount / tenor and other factors.

As part of the requirement for debiting the Equal Monthly Instalment (EMI) for my/our Personal Loan, I/we hereby authorize the Bank to debit my/our account for the exact instalment amount each month until the maturity of the Personal Loan. After final assessment, bank will duly inform the final EMI amount in writing to my/ our recorded mailing address and I/ we also agree to accept the same.

Signature (First Applicant) Signature (Joint Applicant)

For Use by Branch/ Source/Ops: For Use by Operations Team:

Signature verifying Bank Official’s Name, Seal & Signature

Designation_______________________________

Date ___________________________________

Final EMI Amount:

Operations Official’s Name, Designation & Signature

Designation_______________________________

Date ___________________________________

LLID:

Debit Authority for Insurance Premium Deduction for Personal Loan

I/we have agreed to enrol in life insurance coverage together with the personal loan availed from the Bank.

I/we agree to pay the single premium amount for this life insurance by way of deduction from

the personal loan amount disbursed to me, as per the details stated below

my personal funds as per the details stated below

I/we am/are aware of the interest charged on the personal loan by the Bank.

I/we understand that the premium will be calculated using the formula* provided by the Insurance Provider to the Bank

As part of the requirement for debiting the insurance premium for my/our Personal Loan, I/we hereby authorize the Bank to debit my/our account given below:

Account Number:

Account Title:

Signature & Date: Account Holder-1 Signature & Date: Account Holder-2 (for Joint Account)

Bank Use Only:

Signature verifying Bank Official’s Name, Seal & Signature

Designation_______________________________

Date ___________________________________

MEMORANDUM OF DEPOSIT OF POST DATED CHEQUES

STANDARD CHARTERED BANK67, Gulshan Avenue, Dhaka-1212

THIS MEMORANDUM OF DEPOSIT OF CHEQUES IS MADE ON THIS THE __________ DAY OF _______________20__.

I, ……………………………………………………………………………………………., son/daughter of …………………………………………………………….. and ……………………………………………….,bearing NID …………………………………………… and TIN……………………………………………… ,presently residing at ………………………………………………………………………………………………,Bangladesh [hereinafter referred to as the ‘BORROWER’] do hereby confirm, admit, acknowledge and record that I have already deposited with:

STANDARD CHARTERED BANK67, Gulshan Avenue, Dhaka-1212

(hereinafter referred to as the ‘BANK’ which expression shall include its successors-in-interest, legal representatives, administrators and assignees) the cheques as described in SCHEDULE-I (hereinafter referred to as ‘Scheduled Cheques’) hereto relating to my personal loan (the ‘loan’) sanctioned or to be sanctioned by the BANK upon my application for the said loan and I have issued the Scheduled Cheques for the purpose of securing the EMI (equated monthly Instalment) payment to the BANK on demand of all outstanding dues including all charges and interest on account of said loan facility of Tk. BDT. /= (Taka

) only given or to be given by the BANK to the BORROWER.

I do hereby confirm that I am maintaining the account number ……………………………….. with ……………………….. branch of ……………………………………… Bank Limited from which I have rightfully issued the Scheduled Cheques.

And I do hereby confirm that the Scheduled Cheques deposited by me were in my possession, custody and control concerning the said account number ……………………………….. with ……………………….. branch of ……………………………………… Bank Limited in my name which I have willfully signed and written dates thereon with required amount in words and numbers.

AND I further undertake and covenant that during the pendency of the said loan, I shall ensure that required funds are available in my said account number ……………………………….. with ……………………….. branch of ………………………………………Bank Limited to honour the Scheduled Cheques failure of which the BANK shall be at liberty to take appropriate measures against the BORROWER as the BANK may deem fit.

SCHEDULE-I

(SIGNED POST DATED CHEQUES)

Cheque No. …………………. – …………………. = XX Cheques each amounting BDT. …………………/-Cheque No. …………………. – …………………. = XX Cheques each amounting BDT. …………………/-Cheque No. …………………. – …………………. = XX Cheques each amounting BDT. …………………/-Cheque No. …………………. – …………………. = XX Cheques each amounting BDT. …………………/-Cheque No. …………………. – …………………. = XX Cheques each amounting BDT. …………………/-

Total number of Cheques = …………… (……in word)

All the above cheques are duly signed and dates are written therein by the BORROWER

IN WITNESS WHEREOF, THE BORROWER HEREUNTO SET HIS/HER SIGNATURE ON THE DAY, MONTH AND YEAR MENTIONED ABOVE.

Signed in the presence of (signatures,names and addresses of the witnesses)

1. ______________________________(Signature of the BORROWER)Insert full name of the borrower in capital letter2.

PERSONAL GUARANTEE

The Manager

STANDARD CHARTERED BANK

1. To pay the sum not exceeding BDT ............................ (BDT ....................................................) only on your first demand along with all charges accrued on the said amount.

2. To pay the claimed amount without any question and without any reference to the Customer.

3. To pay without any failure the claimed amount within 7 (seven) days of receipt of notice of invocation of the Guarantee by the Bank.

4. The statement by the Bank as to the amount due, under this Guarantee shall be conclusive and shall be accepted without any question.

5. In the event of my failure to pay the claimed amount within the stipulated date, I shall be liable to pay late payment administrative charges, decided by the Bank, from time to time on the claimed amount until payment is actually made.

6. That my liability under this agreement shall be that of a principal debtor.

7. This Guarantee shall be a continuing security until the amount due from the Customer and under this Guarantee is fully paid.

8. That my liability under the Guarantee shall not be affected nor shall this Guarantee be discharged by reason of the Bank granting any time or indulgence or concession to the Customer or due to any change in the terms and conditions of the Banking Agreement Letter.

9. That this Guarantee constitutes valid and legally binding obligations on me which is enforceable in accordance with its terms.

10. That this shall be binding upon me, my heirs and successors in title and shall ensure for the benefit of the Bank and its successors in title and its assignees and transferees.

11. This Guarantee shall be binding on us and our successors and shall remain valid notwithstanding any change in the document of incorporation of the Bank or amalgamation, merger or acquisition of the Bank with any other body corporate.

12. I/we hereby authorise the Bank to using and disclosing details of my/our account, my/our relationship with the Bank including credit balances in any account to any office and branch of the Bank, any regulatory authority with jurisdiction over the Bank, any person required by a court of competent jurisdiction, any potential assignee of the Bank, any agent, contractor or third party service providers of the Bank, any company within the Standard Chartered Group and any other person under a duty of confidentiality to the Bank. Such disclosures will be made for purposes as the Bank may in its sole discretion require.

13. So long as any money remains owing under this guarantee you shall have a lien on all my/our property including but not limited to any monies standing to the credit of me/us with you and on any securities in your hands belonging to me/us/any of us or under control of mine/us or any of us.

In witness whereof the Customer has caused this guarantee to be duly executed on the date mentioned herein above.

Dear Sir / Madam,

This Guarantee is executed on this, the ................................................... day of ....................................., 20................ in consideration of Standard

Chartered Bank (hereinafter referred to as the "Bank") agreeing to extend a Personal Loan of BDT ..............................................................................

(BDT ...........................................................................................................................................................................................................................) to

Mr./Ms./Mrs. ...................................................................................................................................................................................................................

of ....................................................................................................................................................................................................................................

(hereinafter referred to as the Customer), I/we, .......................................................................................... do (hereby irrevocably undertake and

agree to do as follows :

Designation :

Organization :

Business Address :

Relationship with Applicant :

Signature :

Name :

Spouse Name :

Fathers Name :

Present Address :

Tel No. :

Office/Res. :

Personal Guarantor Information Form

1. Name:

2. Date of Birth:

3. Place of Birth:

4. Country of Birth:

5. Mother’s Name:

6. Father’s Name:

7. Nationality:

8. Contact number:

9. NID/ID number of PG:

10. Address:

a. Present:

b. Permanent:

c. Mailing:

d. Work:

11. Relationship number of Guarantor:(if existing Standard Chartered Bank client)

12. LLID number of PL:

13. Primary Applicant’s Account number (if available during submission):

14. Relationship with Applicant:

___________________________ _______________________________

Signature of Applicant Seal and Signature of Bank Official

Please attach photograph here

[Applicant]

Confirmationfor

Personal Loan Electronic Application Form

I have applied to avail a Personal Loan (the ‘product’) from your branch through electronic version of Application Form (the ‘Application Form’):

Applying for: New Loan Top-up Takeover

Applied Amount: BDT ___________________ For Tenor ____________ y ears

I, the undersigned, hereby submit the requisite consent, confirmation, information and documents for further processing of this application.

[A] Declaration

I the undersigned declare and agree that:

i) Mr/Ms ......................................................................................................................... , an employee of Standard Chartered Bank (the ‘Bank’) having employee

ID# ..................................... , has met me in person on ..................................... (date) who described all features of the product and related services as per my queries and upon my satisfactory understanding, I have consented him to capture all the necessary information in the Application Form using the Bank’s assigned electronic device in my presence. I have seen the required features & layouts on the electronic device during capturing all my necessary information/documents that were provided by me willingly. I also consciously declare that I will provide any information/documents as required by the Bank from time to time in addition to the information/documents I have already provided to the Bank.

ii) I have reviewed and verified my information on the Application Form as appeared on the electronic device and declare the same to be true, correct and updated

and those are binding on me. I confirm the Application Form has been generated by the ‘Bank’ from the system post review, verification and confirmation by me that the information entered therein are correct and accurate which I have signed electronically and I understand that I shall receive a copy of the same through email. It is my responsibility to inform the Bank via email or writing – regarding any discrepancy, addition &/or deletion in the said Application Form within 15 days from the date of this signed Confirmation Form.

iii) I have read and understood a copy of the terms and conditions, Schedule of Charges etc. as applicable to my Personal Loan available on the website

www.sc.com/bd and hereby confirm, agree and declare that the same will be binding on me. iv) I confirm that the electronic version of the Application Form which includes: MID (Most Important Document), Reference Form, CIB Form etc have been

completed correctly as per my instruction. The hard copy of the Application Form which has been generated by the Bank from the system and this Physical Confirmation Form all together shall constitute the entire Personal Loan Application Form for any regulatory &/or legal requirement.

v) I completely confirm and agree that the Bank shall use my below signature as the ‘Personal Loan Application Signature’ unless otherwise instructed by me and

this signed Confirmation Form will validate all the signatures & information that have been provided on the electronic Application Form. I also agree any relevant & subsequent actions by the Bank regarding my Personal Loan will govern in accordance with this electronic Application Form as authorised by me.

vi) I also confirm that it is my own responsibility to notify the Bank to correct/update any change of any of my information within 30 days of such change. vii) I further confirm that I have been given the option to complete the Personal Loan Application Form in Bangla and in English version and I chose the latter at my

discretion.

[B] Declar ation of the total value of expenditure for the purpose of personal loan

I, ________________________________ _____________ _______ would like to obtain a Personal Loan of BDT _________________________________________ for

the purpose of ___________________________ _______ . Expected expenditure for this purpose will be approximately BDT _________ _________________ ________.

I also understand that the maximum amount of the loan will be determined by the bank at its discretion if approved. However, the Bank reserves the right to accept or reject my application at its discretion without assigning any notice whatsoever.

Furthermore, I will be held responsible and liable at any point in time if it is found that the proceeds of the loan is used for the purpose other than the reasons declared above.

Signature of Applicant

Name: .........................................................................................

Date:............................................................................................

Photo ID Number: .......................................................................

Date of Birth: ...............................................................................

For Bank Use Only Workbench Reference No. ___________________________ ____________________ _

ARM Code: _____________ Source: _______________________________________

Existing Customer: Yes No (if yes please answer the below question)

Is the customer updating the address? Yes No

Salaried Business Self-Employed Doctor Other

X1 Y1 Z1 Z2 Z3 Z4 Z5 Z8 Z6 Z7 Z9 D1 D2

Signature & Date

Name & PWID

______________________________________

Contact Number_________________________

Comments

Applicant Name:LLID

Signature of Applicant

Relationship With Applicant:

Office Address:

Designation:

Department:

Permanent Address:

Profession (If applicable):

Name of Referee:

Contact Number:

Office:

Residence Address:

Residence: Mobile:

PERSONAL LOAN REFERENCE FORM

Reference : 2

Relationship With Applicant:

Office Address:

Designation:

Department:

Permanent Address:

Profession (If applicable):

Name of Referee:

Contact Number:

Office:

Residence Address:

Residence: Mobile:

Reference : 1

Date:

To Manager Standard Chartered Bank

Subject: General Declaration for Correct information

Dear Sir,

I declare that information provided below about myself / my nominee(s) are correct despite any mismatch in different documents provided such as Passport, National ID, Driving License, Birth Certificate, Educational Certificate(s) & Photo ID of Nominee(s).

Name of Account/Card Holder/Guarantor:

Father’s Name :

Mother’s Name :

Spouse’s Name (if applicable):

Date of Birth :

e-TIN (if applicable) :

Name of Nominee:

Nominee’s Father’s Name:

Nominee’s Mother’s Name:

Reason for the mismatch of information

Reason for not submitting e-TIN

Reason for not submitting NID

Supported by:

I would appreciate if you consider the above declaration to process / amend information of my Account/Credit Card/ Personal Loan I confirm that the information provided through this declaration is true, complete and accurate and I have not willfully withheld any material fact. If needed, I shall provide any additional information/document at the request of the Bank.

Sincerely,

Signature:

Name of Account/Card Holder:

Account Number/ Relationship Number (for existing customer):

National ID

Existing Relationship

Passport Driving License

Other…………Birth Certificate

Insurance Enrolment Forms providedby Insurance Companies

Credit Life Insurance for Personal Loans

A. Enrollment

First Applicant’s Name :...............................................................................................................................................................................

Date of Birth

Loan Tracking No. (If any)

B. Good Health Declaration (To be filled up only by the First Applicant)

C. Beneficiary Nomination

D D M M Y Y Y YDate

YES, Upon my/our Personal Loan / Finance disbursement from …………………………………………………………………….... and meeting insurance eligibility criteria, I/we want to be Insured under the “Group Credit Life & Credit Permanent Total Disability Insurance" issued by American Life Insurance Company, Bangladesh (“MetLife”) in the event of First Applicant’s Death or Permanent Total Disability. I/we hereby acknowledge that I have read and understood the relevant product disclosures overleaf and have received a copy of the same.

This declaration forms an integral part of the Group Master Policy "Group Credit Life & Credit Permanent Total Disability Insurance" issued by MetLife to the above mentioned bank.

Being aged between 18 and 64 and in Good Health, I (First Applicant) agree, unless I notify to the bank otherwise in writing about my Ineligibility due to Age and / or Health ground, to enroll voluntarily into the Insurance Scheme. I hereby also declare:

I do not intend to undergo any medical investigation, treatment or surgical operation, and free from any physical or mental infirmity.

This appointment shall not be valid unless signed by Appointee

Relationship to the Beneficiary(ies):

I am currently not receiving any treatment, have not been treated for or told to have any heart or blood vessel disease, high blood pressure, nervous system, kidney, liver or lung disease, any recent weight loss, unexpected fatigue, AIDS, enlarged lymph nodes or any other serious condition.

I agree that my failure to disclose facts that affect the assessment of risk by the Insurance Company would invalidate the coverage. I also agree and perfectly understand that this insurance will NOT be APPLICABLE to the consequences of a sickness or of an accident incurred to me (First Applicant) prior to my enrollment into the insurance Scheme.

I am also aware of the fact that the “Group Credit Life and Credit Permanent Total Disability Insurance” Policy Contract contains the terms, conditions and exceptions of this scheme and the Policyholder has the original Policy Contract in its custody. I also understand cancellation request for the insurance facility, if any, must be placed duly within 14 days of policy enrollment for refunds of paid insurance premium. At such time, I am fully aware that revised documents and security instruments will need to be submitted and necessary processes will need to be completed for the cancellation.

American Life Insurance CompanyMetLife Building, 18-20 Motijheel C.A.P.O. Box 9, Dhaka - 1000Bangladesh

:...............................................................................................................................................................................

:...............................................................................................................................................................................

YES No

1. Name: Relationship:

..............................................

Benefit..................................%DOB: Nationality: Country of Residence:

Relationship:

..............................................

..............................................

Benefit..................................%

Name of Appointee:

2. Name:

DOB: Nationality: Country of Residence:

Signature:

DOB: Nationality: Country of Residence:

Insurance benefits exceeding the Outstanding Balance will be paid to the following Beneficiary (ies):

Information of the Appointee who will receive policy proceeds on behalf of minor beneficiary (ies), if any

*Unless otherwise requested, multiple beneficiaries share the benefit equally and the right to change the beneficiary is reserved.

Signature (First Applicant) and Date Signature (First Applicant) and Date

American Life Insurance Company is incorporated in the USA as a Limited Company

Oct

ober

201

9

Summary of CoverageBenefit / Coverage

MetLife has issued a Group Insurance Master Contract to Standard Chartered Bank (“the Bank”). This insurance is optional for borrowers of personal loan from the Bank. As per the Terms of this Group Master Policy, insured customers will get the protection in case of Death and/or Permanent Total Disability (PTD) due to natural or accidental causes. The benefit is as follows:

Death and PTD Benefit is 200% of the Outstanding Balance (OB), where –

Premium Rates

The Premium Rate is a Common Rate irrespective of Age of the Applicant and is charged only once at the time of enrolment under insurance as follows:

Total Single Premium = Personal Loan Amount granted by the Bank / 1000 X 0.391666 x Total Loan/Finance Term in months

Refund Calculation & FeesFull refund of paid insurance premium will be made if the cancellation request for the insurance facility is placed duly within 14 days of policy enrollment. At such time, the revised documents and security instruments will need to be submitted and necessary processes will need to be completed for the cancellation.

For other cancellations, following formula shall be used:

Premium Refund = (Insurance Premium Collected for the Loan/Finance) X (Unexpired Loan/ Finance Term in months)/ (Total Loan/Finance Term in months) X (1 – Applicable Surrender Charge %).

For cancellation of Insurance coverage without Early Redemption of the loan/finance (whether partial or in full) at any time beyond first 14 days, the surrender charge is 20% of the calculated refund amount.

For cancellation of Insurance coverage with Early Redemption of the loan/finance (whether partial or in full) at any time beyond first 14 days, there is no surrender charge applicable.

The Bank may receive a fee from MetLife for the collection and transfer service of the premium.

• 100% of the OB will be payable to the Bank (Policyholder as the irrevocable beneficiary) by MetLife to offset the loan; and• 100% of the OB will be payable to the named beneficiary of the insured. The Maximum aggregated amount payable is BDT4,000,000. In

case where 200% of OB is more than BDT4,000,000 then the difference (between the outstanding balance and maximum limit of BDT4,000,000) will be payable to the named beneficiary of the insured.

Protection

• Coverage under this insurance is linked to the Outstanding Balance of the Personal Loan/Finance at the Date of Loss;• Age of the borrower should be between 18 to 64 years at the time of his/her enrollment in the scheme;• The tenure of the insurance will be same as the loan tenure. However, the insurance will be terminated at Age 65 of the insured irrespective of the tenor of Loan/Finance;• The coverage shall be effective from the day of customer paying the premium, but will only commence after MetLife has accepted the

completed Application Form & full premium has been paid;• Failure of proposed insured to disclose facts that affect the assessment of risk by insurance company would invalidate insurance

protection and claim.• There is waiting period of 365 consecutive days from the commencement of total disability before it can be recognized as being

Permanent. However, in case of total and irrevocable loss of sight of both eyes or loss of two or more limbs (at or above wrist or ankle), the waiting period can be waived and the state of PTD be recognized immediately.

Exclusions

Any Death, Disability or illness caused by or resulting, directly or indirectly, wholly or partly, from any of the following factors will not be covered by this insurance:

• Any illness or disability or any condition pre-existing or preceding the effective date of the coverage; or• The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS Related Illness or HIV virus; or• Suicide while sane or insane; or• Chronic alcoholism or abuse of alcohol or abuse or addiction to drugs; or• Civil war, war, invasion or warlike operations, act of foreign enemy, hostilities, revolt, mutiny, riots, strike, civil commotion, rebellion,

revolution, insurrection, active participation in terrorism to such a degree and extent of the involvement or engagement of the Insured in these conditions without any cause; or

• Military Service in the Armed Forces or Security Forces of any country or any authority; or• Any Psychiatric, mental or nervous disorder; or• Exposure of the body, voluntarily or not, to nuclear power or radioactivity in war or warlike operations or in peace; or• Disability attributed by the Insured to subjective complaints not detectable with laboratory measurement, microbiological, biochemical

means and/or imaging; or• The commission of or attempted commission of an assault or any unlawful act, or being engaged in any illegal activity or felony.

DisclaimerThe Information contained in this Summary of Coverage is intended for general consumer understanding and education only and is subject at all times to the terms and conditions of the in force Group master Policy issued by MetLife to the Bank.

Bank Copy

Oct

ober

201

9

Summary of CoverageBenefit / Coverage

MetLife has issued a Group Insurance Master Contract to Standard Chartered Bank (“the Bank”). This insurance is optional for borrowers of personal loan from the Bank. As per the Terms of this Group Master Policy, insured customers will get the protection in case of Death and/or Permanent Total Disability (PTD) due to natural or accidental causes. The benefit is as follows:

Death and PTD Benefit is 200% of the Outstanding Balance (OB), where –

Premium Rates

The Premium Rate is a Common Rate irrespective of Age of the Applicant and is charged only once at the time of enrolment under insurance as follows:

Total Single Premium = Personal Loan Amount granted by the Bank / 1000 X 0.391666 x Total Loan/Finance Term in months

Refund Calculation & FeesFull refund of paid insurance premium will be made if the cancellation request for the insurance facility is placed duly within 14 days of policy enrollment. At such time, the revised documents and security instruments will need to be submitted and necessary processes will need to be completed for the cancellation.

For other cancellations, following formula shall be used:

Premium Refund = (Insurance Premium Collected for the Loan/Finance) X (Unexpired Loan/ Finance Term in months)/ (Total Loan/Finance Term in months) X (1 – Applicable Surrender Charge %).

For cancellation of Insurance coverage without Early Redemption of the loan/finance (whether partial or in full) at any time beyond first 14 days, the surrender charge is 20% of the calculated refund amount.

For cancellation of Insurance coverage with Early Redemption of the loan/finance (whether partial or in full) at any time beyond first 14 days, there is no surrender charge applicable.

The Bank may receive a fee from MetLife for the collection and transfer service of the premium.

• 100% of the OB will be payable to the Bank (Policyholder as the irrevocable beneficiary) by MetLife to offset the loan; and• 100% of the OB will be payable to the named beneficiary of the insured. The Maximum aggregated amount payable is BDT4,000,000. In

case where 200% of OB is more than BDT4,000,000 then the difference (between the outstanding balance and maximum limit of BDT4,000,000) will be payable to the named beneficiary of the insured.

Protection

• Coverage under this insurance is linked to the Outstanding Balance of the Personal Loan/Finance at the Date of Loss;• Age of the borrower should be between 18 to 64 years at the time of his/her enrollment in the scheme;• The tenure of the insurance will be same as the loan tenure. However, the insurance will be terminated at Age 65 of the insured irrespective of the tenor of Loan/Finance;• The coverage shall be effective from the day of customer paying the premium, but will only commence after MetLife has accepted the

completed Application Form & full premium has been paid;• Failure of proposed insured to disclose facts that affect the assessment of risk by insurance company would invalidate insurance

protection and claim.• There is waiting period of 365 consecutive days from the commencement of total disability before it can be recognized as being

Permanent. However, in case of total and irrevocable loss of sight of both eyes or loss of two or more limbs (at or above wrist or ankle), the waiting period can be waived and the state of PTD be recognized immediately.

Exclusions

Any Death, Disability or illness caused by or resulting, directly or indirectly, wholly or partly, from any of the following factors will not be covered by this insurance:

• Any illness or disability or any condition pre-existing or preceding the effective date of the coverage; or• The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS Related Illness or HIV virus; or• Suicide while sane or insane; or• Chronic alcoholism or abuse of alcohol or abuse or addiction to drugs; or• Civil war, war, invasion or warlike operations, act of foreign enemy, hostilities, revolt, mutiny, riots, strike, civil commotion, rebellion,

revolution, insurrection, active participation in terrorism to such a degree and extent of the involvement or engagement of the Insured in these conditions without any cause; or

• Military Service in the Armed Forces or Security Forces of any country or any authority; or• Any Psychiatric, mental or nervous disorder; or• Exposure of the body, voluntarily or not, to nuclear power or radioactivity in war or warlike operations or in peace; or• Disability attributed by the Insured to subjective complaints not detectable with laboratory measurement, microbiological, biochemical

means and/or imaging; or• The commission of or attempted commission of an assault or any unlawful act, or being engaged in any illegal activity or felony.

DisclaimerThe Information contained in this Summary of Coverage is intended for general consumer understanding and education only and is subject at all times to the terms and conditions of the in force Group master Policy issued by MetLife to the Bank.

Customer Copy

Oct

ober

201

9

Delta Life Insurance Company LimitedCorporate Office: Delta Life Tower Plot # 37, Road # 90, Gulshan-2, Dhaka-1212

Email: health.group@deltalife.org; Phone: +8809613666000; Website: www.deltalife.org

Insurance Enrolment FormPAYMENT PROTECTION INSURANCE FOR PERSONAL LOAN/FINANCE BORROWERS

Application No.:

Applicant’s Details

First Applicant’s Name:

Date of Birth: NID No.: Gender:

Address:

Email ID (if any): Contact Tel/Cell No.:

Occupation:Average Monthly Income (in BDT):

Father’s Name

Loan/Finance A/C No. (If any) Loan/Finance Tracking No.

Declaration

Nomination of BeneficiaryInsurance benefits exceeding the Outstanding Balance will be paid to the following Nominated Beneficiary (ies):

1 Name:

DOB: …..../….../…..… Nationality:……………....…… NID No.:……………........…………..

Relationship:

Benefit: %

2 Name:

DOB: …..../….../…..… Nationality:……………….....… NID No.:……………………......…..

Relationship:

Benefit: %

Information of the Appointee who will receive policy proceeds on behalf of minor beneficiary (ies), if any

This nominationshall not be

Name of Appointee: Relationship to the

valid unlessBeneficiary (ies):

signed bySignature:

AppointeeDOB: Country of Residence:Nationality: NID or Passport No.:

Signature (First Applicant) Signature (Joint Applicant)

*Unless otherwise requested, multiple beneficiaries shall share the benefit equally and the right to change the beneficiary is reserved.

YES, Upon my/our Personal Loan/Finance Disbursement from Standard Chartered Bank and meeting insurance eligibility criteria, I/We want to be insured under the “Payment Protection Insurance” issued by Delta Life Insurance Company Limited for Death & Permanent Total Disability in the event of First Applicant’s Death or Permanent Total Disability. I/We hereby declare that I/We have read and understood the information and agree with the terms & conditions mentioned overleaf.

I agree, unless I state to Standard Chartered Bank otherwise, to get enrolled into Payment Protection Insurance Scheme for Personal Loans voluntarily and confirm that I understand the “Summary of Coverage” written overleaf. I am also aware of the fact that the “Payment Protection Insurance” Policy Contract contains the terms, conditions and exceptions of the Scheme and the Policyholder has the original copy of “Group Master Policy” in its custody. I hereby declare that I do not intend to undergo any medical investigation, treatment or surgical operation and I am free from any physical and mental illness. I further declare that I am not receiving any medical treatment for blood pressure, diabetes, AIDS or any diseases related to heart, nervous system, liver, lungs or any other serious conditions. I understand that this insurance is not applicable to the consequences of a sickness or of an accident incurred prior to my enrolment in the policy. I also understand that cancellation request for the insurance facility, if any, must be placed duly within the initial 14 days, for full refund of paid insurance premium. I hereby acknowledge that I have read and understood the relevant product disclosures overleaf and have received a copy of the same.

D D M M Y Y Y YDate

Male Female

Janu

ary

2019

Delta Life Insurance Company Limited has issued a Group Master Policy to Standard Chartered Bank for Insurance Coverage of its Personal Loan/Finance borrowers. This insurance is optional for borrowers. As per the Term of this Group Master Policy, insured customers will get the financial protection in case of Death and/or Permanent Total Disability (PTD) due to sickness or accidental causes. The benefits payable by Delta Life Insurance Company Limited are as follows:

Benefit for Death and PTD is 200% of the Outstanding Balance (OB), where –*100% of the outstanding balance will be waived and payable to the Bank (Policyholder as the irrevocable beneficiary) and

*100% of the outstanding balance (OB) will be payable to the nominated beneficiary of the insured except in case of PTD when it will be payable to the Insured.

Summary of Insurance CoverageSalient Features of Benefits and Coverage

Gist of Insurance Coverage

Premium Rates

Refund Calculation & Fees

*Amount of payable Financial Benefit is linked to the Outstanding Balance of the Loan/Finance on the Date of Loss;*Minimum Age of the Loan Applicant should be 18 years at the time of his/her enrolment in the insurance scheme;*Maximum Age of the Loan Applicant should not exceed 64 years at the time of enrolment under the Insurance Scheme;*Insurance Protection shall be terminated at the age of 65 Years irrespective of the tenure of Loan/Finance;*Failure of proposed insured to disclose facts that affect risk assessment by insurance company would invalidate insurance protection and claim.* There is a waiting period of 183 consecutive days from the commencement of total disability before it can be recognized as being Permanent. However, in case of total and irrevocable loss of sight of both eyes or loss of two or more limbs (at or above wrist or ankle), the waiting period can be waived and the state of PTD be recognized immediately.

The Premium Rate applicable for this policy is a Common Fixed Rate irrespective of the “Age of the Applicant” and is charged only once for the whole Loan Tenure at the time of enrolment under insurance. The Premium Rate is BDT 470.00 per BDT 1,00,000.00 Sum Assured Per Year for Death and PTD coverage at standard risk.

Full refund of paid insurance premium will be made if the cancellation request for insurance coverage is placed duly within 14 days of policy enrolment. Necessary documents and security instruments have to be submitted for cancellation process within that time limit.

For cancellation due to other reasons, following formula shall be used;

Premium Refund = (Insurance Premium Collected for the Loan/Finance) x (Unexpired Loan/Finance Term in months) ÷ (Total Loan/Finance Term in months) X (1- Applicable Surrender Charge %).

For cancellation of Insurance coverage without Early Redemption of the loan/finance at any time beyond first 14 days, the surrender charge is 20% of the calculated refund amount.

For cancellation of Insurance coverage with Early Redemption of the loan/finance (whether partial or in full) at any time beyond first 14 days, no surrender charge shall be applicable.

The Bank may receive a fee from Delta Life Insurance Company Limited for premium collection and transfer services.

Exclusions from Insurance CoverageAny Death, Disability caused by or resulting, directly or indirectly, wholly or partly, from any of the following conditions will not be covered by this insurance:

DisclaimerThe information contained is a Summary of Coverage only for understanding of general consumers and is subject, at all times, to the terms and conditions of the Group Master Policy in force issued by Delta Life Insurance Company Limited to Standard Chartered Bank.

* Any illness or disability or any pre-existing condition or congenital anomaly preceding the effective date of the coverage; or

* The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS Related illness or HIV virus related illness; or

* Suicide or attempted suicide or self inflicted injury while sane or insane; or

* Chronic alcoholism or abuse of alcohol or drug abuse or addiction to drug; or

* Any Psychiatric, mental or nervous disorder; or

* Exposure of the body, voluntarily or involuntarily, to poisonous gases/fumes or to nuclear power or radioactivity during war or warlike operations or in peace; or

* Disability attributed by the insured to subjective complaints not detectable through laboratory measurement, microbiological, biochemical means and/or imaging; or

* Civil war, war, invasion or warlike operations, act of foreign enemy, hostilities, revolt, mutiny, riots, strike, civil commotion, rebellion, revolution, insurrection, active participation in terrorism or engagement of the Insured in these condition without any cause; or

* Service in the Armed Forces or Security Forces of any country or any authority; restoration of public order or making an arrest as an officer of the Law

* Service, travel or flight in or descent from any kind of aircraft, except as a passenger in an aircraft operated by a commercial passenger airline on a scheduled air flight over an established route.

* The commission of or attempted commission of an assault or any unlawful act, committing a felony, participation in brawl or involvement in any illegal activity.

* Participation in any professional sport or any sport involving a motor engine (including rallies), boxing, scuba/skin diving, parachuting or hang-gliding, horse racing and mountain climbing

Janu

ary

2019

Delta Life Insurance Company Limited has issued a Group Master Policy to Standard Chartered Bank for Insurance Coverage of its Personal Loan/Finance borrowers. This insurance is optional for borrowers. As per the Term of this Group Master Policy, insured customers will get the financial protection in case of Death and/or Permanent Total Disability (PTD) due to sickness or accidental causes. The benefits payable by Delta Life Insurance Company Limited are as follows:

Benefit for Death and PTD is 200% of the Outstanding Balance (OB), where –*100% of the outstanding balance will be waived and payable to the Bank (Policyholder as the irrevocable beneficiary) and

*100% of the outstanding balance (OB) will be payable to the nominated beneficiary of the insured except in case of PTD when it will be payable to the Insured.

Summary of Insurance CoverageSalient Features of Benefits and Coverage

Gist of Insurance Coverage

Premium Rates

Refund Calculation & Fees

*Amount of payable Financial Benefit is linked to the Outstanding Balance of the Loan/Finance on the Date of Loss;*Minimum Age of the Loan Applicant should be 18 years at the time of his/her enrolment in the insurance scheme;*Maximum Age of the Loan Applicant should not exceed 64 years at the time of enrolment under the Insurance Scheme;*Insurance Protection shall be terminated at the age of 65 Years irrespective of the tenure of Loan/Finance;*Failure of proposed insured to disclose facts that affect risk assessment by insurance company would invalidate insurance protection and claim.* There is a waiting period of 183 consecutive days from the commencement of total disability before it can be recognized as being Permanent. However, in case of total and irrevocable loss of sight of both eyes or loss of two or more limbs (at or above wrist or ankle), the waiting period can be waived and the state of PTD be recognized immediately.

The Premium Rate applicable for this policy is a Common Fixed Rate irrespective of the “Age of the Applicant” and is charged only once for the whole Loan Tenure at the time of enrolment under insurance. The Premium Rate is BDT 470.00 per BDT 1,00,000.00 Sum Assured Per Year for Death and PTD coverage at standard risk.

Full refund of paid insurance premium will be made if the cancellation request for insurance coverage is placed duly within 14 days of policy enrolment. Necessary documents and security instruments have to be submitted for cancellation process within that time limit.

For cancellation due to other reasons, following formula shall be used;

Premium Refund = (Insurance Premium Collected for the Loan/Finance) x (Unexpired Loan/Finance Term in months) ÷ (Total Loan/Finance Term in months) X (1- Applicable Surrender Charge %).

For cancellation of Insurance coverage without Early Redemption of the loan/finance at any time beyond first 14 days, the surrender charge is 20% of the calculated refund amount.

For cancellation of Insurance coverage with Early Redemption of the loan/finance (whether partial or in full) at any time beyond first 14 days, no surrender charge shall be applicable.

The Bank may receive a fee from Delta Life Insurance Company Limited for premium collection and transfer services.

Exclusions from Insurance CoverageAny Death, Disability caused by or resulting, directly or indirectly, wholly or partly, from any of the following conditions will not be covered by this insurance:

DisclaimerThe information contained is a Summary of Coverage only for understanding of general consumers and is subject, at all times, to the terms and conditions of the Group Master Policy in force issued by Delta Life Insurance Company Limited to Standard Chartered Bank.

* Any illness or disability or any pre-existing condition or congenital anomaly preceding the effective date of the coverage; or

* The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS Related illness or HIV virus related illness; or

* Suicide or attempted suicide or self inflicted injury while sane or insane; or

* Chronic alcoholism or abuse of alcohol or drug abuse or addiction to drug; or

* Any Psychiatric, mental or nervous disorder; or

* Exposure of the body, voluntarily or involuntarily, to poisonous gases/fumes or to nuclear power or radioactivity during war or warlike operations or in peace; or

* Disability attributed by the insured to subjective complaints not detectable through laboratory measurement, microbiological, biochemical means and/or imaging; or

* Civil war, war, invasion or warlike operations, act of foreign enemy, hostilities, revolt, mutiny, riots, strike, civil commotion, rebellion, revolution, insurrection, active participation in terrorism or engagement of the Insured in these condition without any cause; or

* Service in the Armed Forces or Security Forces of any country or any authority; restoration of public order or making an arrest as an officer of the Law

* Service, travel or flight in or descent from any kind of aircraft, except as a passenger in an aircraft operated by a commercial passenger airline on a scheduled air flight over an established route.

* The commission of or attempted commission of an assault or any unlawful act, committing a felony, participation in brawl or involvement in any illegal activity.

* Participation in any professional sport or any sport involving a motor engine (including rallies), boxing, scuba/skin diving, parachuting or hang-gliding, horse racing and mountain climbing

Customer Copy

Janu

ary

2019

Sep

tem

ber

2020

Branch/Sub-branch Directory

DhakaGulshan Branch67 Gulshan Avenue Gulshan North BranchGulshan Centre PointHouse 23 - 26, Road 90,Gulshan - 2

Islamic Banking CentreGulshan Centre PointHouse 23 - 26, Road 90,Gulshan - 2

Banani Sub-branch14 Kemal Ataturk Avenue, Banani

Bashundhara Sub-branchHaveily Center (GF), Ka-11/2/A, Jagannathpur, Bashundhara Road, Dhaka. Dhanmondi Road 5 BranchHouse 6, Road 5, Dhanmondi R/A

Satmasjid Road BranchLevel 2, Taj Lily Green, Plot 51Satmasjid Road, Dhanmondi Dhaka 1205 Kakrail Sub-branchKarnaphuli Garden City, 109 Kakrail Road Kawran Bazar Branch53 Kawran Bazar Sonargaon Sub-branchL101 Pan Pacific Sonargaon Hotel, 107 Kazi Nazrul Islam Avenue

InterContinental Sub-branchInterContinental Dhaka Annex Building, 1 Minto Road, Ramna

Motijheel BranchAlico Building, 18-20 Motijheel C/A

Chawk Bazar Branch12 Water Works Road, Dalpatty, Chawkbazar

Mirpur BranchPlot-1, Road-12, Block-C, Section-6Mirpur, Dhaka-1221

Uttara BranchUpdate Tower, Shahajalal AvenuePlot-1, Sector 6, Uttara

Savar BranchDhaka Export Processing Zone, Zone Service Complex

NarayanganjNarayanganj Branch26 Shaista Khan Road (near Narayanganj Club)

ChattogramChattogram Main BranchSheikh Mujib Road, Agrabad

Karnaphuli EPZ BranchMohajan Golden Tower, 98/A, Mohajan Ghata, Karnaphuli EPZ Gate, Patenga Road, Chattogram

Nasirabad Branch1 Shahid Abdul Halim RoadEast Nasirabad

CEPZ BranchZone Service BuildingChattogram Export Processing ZoneFree Port RoadWard 39, Chattogram City CorporationP.S. Bandar, Chattogram BoguraBogura BranchShatani House, Sherpur Road KhulnaKhulna BranchJibon Bima Bhaban, KDA Avenue SylhetSylhet Branch7 Noya Sharak, Jail Road, Ward-16

Call our 24-hour Client Care Centre at 8332272 or 16233 (from mobile) or visit your nearest Standard Chartered branch.