NATIONAL BANK LIMITED

%p-to -+th Novem6er1 *+,?F)5 )' %$c@ $articular3 Tar/et Achievement Depo3it *-AA ++ ***- .( Advance ,,'+ ++ ,*'+ *) $ro0it '- ,( )5 'NMSS *5+ ++ '-' )* Cla33i0ied Nil

CREDIT RISK MANAGEMENT-III HEAD OFFICE, DHAKA

OFFICE NOTE:

EC. MEMO NO. /CRM-III/13

December 04, 2013

Re:

r!"!#$% &!r re'e($% ()*+ e'+$'ceme'* !& CC,H- %)m)* &r!m T..20.00 L$c *! T..3/.00 L$c, A/c: M/#. !"0 Tr$1er#, r!"r)e*!r Mr. M1. 2!&)34% I#%$m -$ c4#*!mer !& !4r N)$m!*"4r 2ME/Kr)#+) br$'c+.

Our Niamotpur Branch vide letter No A!"NB#"N$%R"AD&"CC"-'()"SR"*+,-",(.* dated +( ,, *+,- and Re/ional O00ice1 Ra23hahi vide letter No 4AK"RO"AD&"NIAM-*5",-"SS"*+(+ dated ,- ,, *+,- have recommended the a6ove propo3al 0or !ead O00ice con3ideration

Date o0 ,3t receipt o0 propo3al on ,. ,, *+,Br$'c+ C4#*!mer6# N$me N$*4re !& B4#)'e## 4r"!#e O('er !& C!%%$*er$% B$'.)'5 ()*+ NBL 2)'ce Cre1)* &$c)%)*0 $7$)%)'5 2)'ce F$c)%)*0 CC?!@

Date o0 complete receipt o0 propo3al on +' ,* *+,-

Ke0 I'&!rm$*)!' 7 N)$m$*"4r 2ME/Kr)#+) br$'c+, N$!5$!' 7 M/#. !"0 Tr$1er#1 $roprietor Mr Md So0i8ul I3lam 7 Tradin/ o0 Rice1 $add91 4heat : Other Bhu3hi Mal 7 ;or e<pan3ion : 3mooth runnin/ o0 tradin/ o0 Rice1 $add91 4heat : Other Bhu3hi Mal 7 The 6rother o0 the 6orro=er1 =i0e o0 the 6orro=er : the 6orro=er him3el0 valuin/ RM$ o0 *+) *+ Dec land valuin/ T> )+ (( lac ?;S& T> '* -* lac@ 7 Since *( ,* *+,+ 7 Since +, ,* *+,, : : : : : : : : : : Am!4'* T> *+ ++ #ac to T> -) ++ #ac T> -) ++ #ac Nil T..3/.00 L$c T..3/.00 L$c
T../0.:: L$c;; T> '* -* #ac

2ec4r)*0 9$%4e b0 Br$'c+ 2ec4r)*0 9$%4e 24r7e0!r/E'5)'eer r)c)'5 CIB I'&!rm$*)!' T!*$% E8"!#4re Nature E<i3t CC?!@ b0

N$*4re !& A""r!7$% 2!45+* Rene=al =ith enhancement ;unded Non-;unded T!*$% Ne* E8"!#4re M$r.e* 9$%4e F!rce1 2$%e 9$%4e Mar>et &alue ;orced Sale &alue

T../2.<3 L$c Intere3t7 ,A ++B p a 8tl9 re3t 0or all 0unded 0acilit9 CIB Report dt ,+ ,, *+,- o6tained and 0ound lia6ilit9 3tatu3 =>C?. ?Ta>a ;i/ in #ac@ Securit9 Total
a/ri"re3i" commercial o=ned 69 the 6rother the 6orro=er : the

;;T+e "r!"!#e1 %)m)* )# :<.0@A !& *+e m$r.e* 7$%4e !& #ec4r)*0.

7 #imit Out3td E<pir9 Over $rop3 Total +' ,, ,due -+ ,, ,*+ ++ ,5 A* ,) ++ -) ++ - !9po o0 Stoc>

- RM on *+) *+ decimal land ?out3ide Municipalit9@ o0 the 6orro=er1 =i0e o0 6orro=er him3el0 valuin/

T> )+ (( lac ?;S&

T> '* -* lac@ F4'1e1

N!'&4'1e1

20.00 20.00

1<.@2 1<.@2

1/.00 3/.00 RM *!*$% 7$%4)'5 T../0.:: %$c ,F29 T..42.32 %$c1/.00 3/.00 A##)#*$'* E'5)'eer ,LBRD, N)$m$*"4r- 7$%4$*)!':
T../2.<3 L$c ,F29 T..11@.31 L$c-

T!*$%

1. T4r' !7er )' *+e $cc!4'*,#- !& *+e c%)e'* ()*+ !*+er b$'.: N$*4re !& Ce$r 24mm$*)!' T4r' !7er $cc!4'* Deb)* Cre1)* A1D. Rec. CC?!@ *+,* *+,-?up to +' ,, ,-@ ,() A,5( *. ,)' )' ,.( ') +, +, . .A A*

M$8. ,- .( *, *.

?Ta>a ;i/ in lac@ B$%$'ce M)'. re#e'* + ++ + ++ ,5 A* Page 1 of 6

M/s. Popy Traders Niamatpur Branch

T4r'!7er )' *+e $cc!4'*,#- !& *+e c%)e'* ()*+ !4r b$'.: N$*4re !& Ce$r 24mm$*)!' $cc!4'* Deb)* Cre1)* M$8. *+,, ,+' )( ,+' (* ( +( CD A"C *+,* *-- ** *-- -+ ,+ +) *+,-?upto +' ,, ,-@ ),A '+ ),A ') *, A5 2. E$r')'5# &r!m *+e $cc!4'*/$%%)e1 $cc!4'*#: Ce$r I'*ere#* C!mm)##)!' O*+er# *+,* , .+ + +, + +* *+,-?up to la3t 8tr@ , (, + +, + +, 3. F)'$'c)$%# : Ce$r *+,+ *+,, *+,*

?Ta>a ;i/ in lac@ B$%$'ce M)'. + +) + +* + +) re#e'* + +) T!*$% , ., (?;i/ In lac Ta>a@ Ne* "r!&)* . )' ,, ,. ,* A-

2$%e# *5, 'A ',( '+ )*+ )+

D!c4me'*$*)!' #*$*4# 7 A41)* !bDec*)!'# 7

Documentation 0ormalitie3 have 6een completed a3 per Sanction Advice All audit o62ection3 have 6een re/ulariCed Ri3> /radin/7 Acce"*$b%e

CRB )'&!rm$*)!': A//re/ate Score7 E<

$r*)c4%$r# !& *+e c%)e'*, b4#)'e## $'1 !*+er re%$*e1 )'&!rm$*)!' $re $# 4'1er: 4. $articular3 o0 the client 7 a@ Name o0 the Account 7 M/#. !"0 Tr$1er# 6@ c@ d@ e@ 0@ /@ h@ i@ 2@ >@ l@ m@ Addre33 i@ O00ice"Shop"Bu3ine33 ii@ ;actor9 Account No : date o0 Account openin/ Date o0 ;ir3t Sanction Con3titution"#e/al Statu3 Date o0 Incorporation" E3ta6li3hment Date o0 Commencement o0 6u3ine33 TIN No Nature o0 6u3ine33 Net =orth o0 6u3ine33 Mar>et"$lace o0 6u3ine33" area o0 operation Inve3tment in 6u3ine33 ?;or Individual : ;irm3@ Credit hi3tor9 o0 the client Eear +, ,* ,, *+,* Nature o0 A"c CC?!@ CC?!@ 7 7 Niamatpur BaCar1 Nao/aon Mo6ile No-+,.,*)-'.)( 7 N"A 7 CD---+++5+. dated *( ,* *+,+ 7 +, ,* *+,,D CC?!@ #imit o0 T> *+ ++ #ac 7 $roprietor3hip 7 ,55, 7 7 '.,-,+,-(*+, Tradin/ o0 Rice1 $add91 4heat : Other Bhu3hi Mal 7 T> '* (- #ac a3 on +' ,, *+,7 Cho=6aria BaCar1 Manda1 Nao/aon and Ad2acent Area 7 T> (- .+ #ac a3 on +' ,, *+,7 Amount in lac TK *+ ++ *+ ++
Addre33 $ermanent =ith $hone No $re3ent ?Re3idential@ =ith $hone No $roprietor- Md So0i8ul I3lam

Name o0 the part9 M"3 $op9 Trader3

Sanction authorit9 RO RO
7

Remar>3 ;ir3t Sanction Rene=al

A/e ?9ear3@ ?Ta>a ;i/ in lac@ $ropert9 Net =orth

/. N$me !& *+e "r!"r)e*!r: Name ;atherF3" MotherF3" !u36andF3 Name Md So0i8ul I3lam ;-#ate Go9nal $aramani> M- #ate Ga9da Bi6i

Sreemontopur1 Niamatpur1 Nao/aon M-+,.,*)-'.)(

'5

Encum6ered () .A ?,* A-@ a3 on %nencum6ered +' ,, * ?Nil@ +,-

Ke0 "er#!' "r!&)%e: Branch ha3 in0ormed that Mr Md So0i8ul I3lam1 proprietor o0 M"3 $op9 Trader3 i3 dealin/ in tradin/ o0 Rice1 padd9 : 3ea3onal crop3 !e i3 a man o0 hi/h 3ocial 3tatu31 maintainin/ a /ood 6an>in/ relation3hip =ith our 6ranch Mr So0i8ul I3lam i3 a tru3ted and committed 6u3ine33man in Niamatpur : he ha3 6een en/a/ed in tradin/ o0 Rice1 padd9 : 3ea3onal crop3 6u3ine33 =ith /ood reputation in the mar>et 3ince lon/ Md Gahan/ir Alam1 A/e -* 9ear3 1 9oun/er 6rother o0 the proprietor i3 3ucce33or o0 hi3 6u3ine33 :. re#e'* "r!"!#$% ,Re'e($% ()*+ e'+$'ceme'*-: Nature o0 E<i3tin/ ;acilit9 #imit E<pir9 Out3td #imit +' ,, ,?Ta>a ;i/ in lac@ $ropo3ed E<pir9 $ricin/"intere3t Page 2 of 6

M/s. Popy Traders Niamatpur Branch

CC?!@ F4'1e1 N!'-F4'1e1 T!*$% @. L)$b)%)*0 6ranch

*+ ++ 20.00 20.00

-+ ,, ,-

,5 A* 1<.@2 1<.@2

-) ++ 3/.00 3/.00

-+ ,, *+,'

,A ++B p a at 8uarterl9 re3t

!#)*)!' !& *+e C%)e'*/$%%)e1 c!'cer'# ()*+ !*+er B$'.#: NIL a3 reported 69 the

10. 9)#)* Re"!r*: The 6u3ine33 and mort/a/ed propertie3 o0 the cu3tomer have 6een vi3ited 69 Mr Md Ano=ar !o33ain1 6ranch Mana/er and Mr Md Shohel Rana1 SEO on +' ,, *+,- A3 per report the concerned 6u3ine33 i3 runnin/ =ith 3ati30actor9 3ale3 and the cu3tomer ha3 /ood repa9ment capacit9 Thu3 the 6u3ine33 i3 accepta6le 0or 0inancin/ It ha3 al3o 6een 3tated that the mort/a/ed propert9 ha3 re3idential importance and 6u9er3 are readil9 availa6le to li8uidate the propert9 in =or3e 3ituation Moreover the valuation o0 the 3aid propert9 i3 /enuine and i3 in the po33e33ion o0 the o=ner
9$%4e !& 2*!c.7 T> -* *' lac a3 on +- ,, 2/L 2)Fe N$*4re !& c!'#*r4c*)!'/b4)%1)'5 , ,'.+ RCC $ucca 6uildin/ 30t * ,'.+ 30t RCC $ucca 6uildin/ *+,- Godo=n in0ormation i3 /iven 6elo=7 2ec4r)*0 $rr$'5eme'* Acce##)b)%)*0 !& L!c$*)!' Niamatpur BaCar Niamatpur1 Nao/aon Niamatpur BaCar Niamatpur1 Nao/aon
Remain %nder loc> : >e9 An9 time

Br$'c+ !&&)c)$%#

O('er#+) " Rented Rented

Remain %nder loc> : >e9 An9 time

11. O*+er I'&!rm$*)!': Mr So0i8ul I3lam i3 a tru3ted and committed 6u3ine33man in Niamatpur : he ha3 6een en/a/ed in tradin/ o0 Rice1 padd9 : 3ea3onal crop3 6u3ine33 =ith /ood reputation in the mar>et 3ince lon/ !e ha3 in0ormed u3 that he ha3 collected Rice1 padd9 : 3ea3onal crop3 0rom Ranina/ar1 Atarai and Niamatpur Thana and mar>etin/ the 3ame to Chapaina=a6/on21 I3h=ardi : Ku3tia di3trict !e collect3 rice1 padd9 : 3ea3onal crop3 0orm cultivator 69 ca3h pa9ment 6ut ha3 to deliver rice1 padd9 : 3ea3onal crop3 to the Miller on credit and receive3 pa9ment throu/h TT"Online =here a lar/e amount o0 mone9 al=a93 remain 6loc> G4#*)&)c$*)!' b0 *+e br$'c+: !i3 volume o0 6u3ine33 have 6een increa3ed lar/el9 6e3ide3 the increa3in/ price o0 rice1 padd9 : 3ea3onal So 0or coverin/ more cu3tomer and 3mooth runnin/ o0 6u3ine331 he ha3 to inve3t more in the 6u3ine33 =hich i3 8uite di00icult 0or him to mana/e the entire 0und 0rom o=n 3ource The client in0ormed u3 that ne=l9 opened Mercantile Ban> #imited and Ganata Ban> #imited1 Niamatpur 6ranch o00ered him to do 6u3ine33 =ith them =ith hi/her limit 12. C4#*!mer6# $""r!$c+: The cu3tomer vide letter dated +' ,, *+,- ha3 approached the 6ranch 0or rene=al =ith enhancement o0 CC?!@ limit 0rom T> *+ ++ #ac to T> '+ ++ #ac 13. Rec!mme'1$*)!' !& *+e Br$'c+ H RM: Con3iderin/ the /enuine re8uirement1 6u3ine33 condition1 6u3ine33 inte/rit91 havin/ mar>et reputation1 /ood 6an>in/ relation3hip a3 =ell a3 3ecurit9 a3pect 6ranch mana/er ha3 recommended 0or rene=al =ith enhancement o0 CC ?!@ limit 0rom T> *+ ++ #ac to T> -) ++ #ac RM +$# rec!mme'1e1 &!r *+e #$me. 14. He$1 O&&)ce Rec!mme'1$*)!': In vie= o0 the a6ove and a3 recommended 69 the Branch and Re/ional O00ice1 =e placed the captioned propo3al 0or con3ideration under the 0ollo=in/ term3 : condition3 F$c)%)*0: Re'e($% ()*+ e'+$'ceme'* !& CC,H- %)m)* &r!m T..20.00 L$c *! T..3/.00 L$c +, Nature o0 limit 7 CC,H- L)m)*--- ,Re'e($% ()*+ e'+$'ceme'*-. +* Amount o0 limit 7 TK -) ++ #ac ?Ta>a Thirt9 ;ive #ac@ onl9 +- $urpo3e 7 ;or e<pan3ion : 3mooth runnin/ o0 tradin/ 6u3ine33 o0 Rice1 $add91 4heat : Other Bhu3hi Mal +' &alidit9 7 -+ ,, *+,' +) Mar/in 7 )+B on value o0 3toc> +( Rate o0 intere3t 7 1@.00A ".$. at 8uarterl9 re3t 3u62ect to chan/e 69 the Ban> 0rom time to time e'$% I'**. I 2.00A ".$. $* 34$r*er%0 re#* !' 1e&$4%*/!7er14e $m!4'*. +. Mode o0 7 Dail9 3ale proceed3 to 6e depo3ited in the CC ?!@ A"c =ith 3ati30actor9 repa9ment turn over and at lea3t one ad2u3tment =ithin the validit9 o0 the limit 2ec4r)*0: ,Ar)m$r0 2ec4r)*0: Page 3 of 6

M/s. Popy Traders Niamatpur Branch

!9po o0 3toc> in trade ?i e Rice1 $add91 4heat : Other Bhu3hi Mal@ dul9 in3ured =ith Ban>H3 mort/a/e clau3e coverin/ all ri3>3 4ritten authorit9 0rom the 6orro=er 3hall 6e o6tained to pa9 in3urance premium in ca3e o0 need 69 de6itin/ hi3 depo3it account or CC?!@ A"c

,B- C!%%$*er$%: RM #+$%% be cre$*e1 c!7er)'5 *+e e'*)re &$c)%)*)e# !' *+e &!%%!()'5 "r!"er*0 )' c!'#4%*$*)!' ()*+ BLA:
2/L L!c$*)!' 1. O('er B9 the 3ide o0 Md So0i8ul Niamatpur to I3lam
Sreemontopur

main road

?$roprietor@

Are$ !& %$'1 2@.00 1ec ?,( 5. >atha@

2c+e14%e

C!'#*r4c*)!'#

N$*4re H

?Out3ide Municipalit9@

$lot No Sa6e>-,..-1!at- A/ricultural -.., RS--A+1 KhariC-..' lo= #and Khatian No RS--A+1 KhariC..'1 MouCa- Sreemontopur1 G#-*-)1 $SNiamatpur1 Di3t - Nao/aon 7$%4)'5 T..3.:4 %$c IT..13000/1ec. $rev7 T> ** )+ #ac Da/ No Sa6e>-'+'1 !at- A/ricultural ',+1 Khatian No RS-,+",1 lo= #and KhariC-..(1 MouCaSreemontopur1 G#-*-)1 $SNiamatpur1 Di3t - Nao/aon 7$%4)'5 T..:.E4 %$c IT..0./0 %$c/1ec.

9$%4$*)!' )' L$c TK. 3.:4 ,F29 3.2@-

D$*e

$##e##me'*

!&

,( ,, *+,,

2.

3.

B9 the 3ide ?i@ Md o0 Niamatpur Sha0i8ul to I3lam Sreemontopur ?$roprietor@ main road 1 ?ii@ Md Iahan/ir ?Out3ide Alam Municipalit9@ ?6rother o0 proprietor@ : ?iii@ Mo3t Rehena Bi6i ?4"o proprietor@ Md So0i8ul Sremontopur1 I3lam Niamatpur ?$roprietor o0 ?Out3ide 6orro=in/ Municipalit9@ 0irm@@

13.3/ 1ec ?A +5 >atha@

:.E4 ,F29 :.10 %$c-

,( ,, *+,,

3:.E/ 1ec ?** *. >atha@

4.

Sremontopur1

Niamatpur

?Out3ide Municipalit9@

?i@ Md Sha0i8ul I3lam ?$roprietor@ 1 ?ii@ Md Iahan/ir Alam ?6rother o0 proprietor@ Mo3t Rehena Bi6i ?4"o proprietor@

33.00 1ec ?*+ ++ >atha@

Da/ No $lot No !al-(.A1-A(51-A.,1-A.+1)-A-1 )-5-1-()'1-A+*1-A+'1-A,,1 -)5'1-.'-1-.'*1 Khatian No RS-'()1'(.1'((1'(- KhariC'()",1'(-1 '(.",1'(A",1'((",1'('",1 MouCa- Sreemontopur1 G#*-)1 $S- Niamatpur1 Di3t Nao/aon 7$%4)'5 T..4.E@ %$c IT..13000/1ec. Da/ No $lot No !al-.'*1-)5'1-.-51 Khatian No RS-'('1 '((1'(A KhariC-.(51 MouCaSreemontopur1 G#-*-)1 $SNiamatpur1 Di3t - Nao/aon 7$%4)'5 T..4.2< %$c I T..13000/1ec.

A/ricultural lo= #and

4.E@ ,F29 T..4.30-

,( ,, *+,,

A/ricultural lo= #and

4.2< ,F29 3.@:-

,( ,, *+,,

/.

Sremontopur1

Niamatpur ?Out3ide Municipalit9@

42.E/ 1ec ?*) 5, >atha@

:.

Sremontopur1

Niamatpur ?Out3ide Municipalit9@

Mo3t Rehena Bi6i ?4"o proprietor@

44.E/ 1ec ?*. ,* >atha@

Da/ No $lot No !al-A'-1-A'(1-.'-1-)A-1-)5-1 -(5'1-A+*1-A+'1-A,,1 -A(51-A.+1-A.,1-.-51 Khatian No RS--,.1'('1'(. KhariC-..,1 MouCaSreemontopur1 G#-*-)1 $SNiamatpur1 Di3t - Nao/aon 7$%4)'5 T.././: %$c I T..13000/1ec. Da/ No $lot No !al--A',1 Khatian No RS-** KhariC..+1 MouCa- Sreemontopur1 G#-*-)1 $SNiamatpur1 Di3t Nao/aon 7$%4)'5 T../.@2 %$c I T..13000/1ec.

A/ricultural lo= #and

/./: ,F29 /.00-

,( ,, *+,,

A/ricultural lo= #and

/.@2 ,F29 /.24-

,( ,, *+,,

Page 4 of 6

M/s. Popy Traders Niamatpur Branch

E.

Niamatpur BaCar1 Nao/aon and 69 the ea3tern 3ide o0 Niamatpur to Chapai

Na=a6a6/an2

Mo3t Rehena Bi6i ?4"o proprietor@

:.:0 1ec ?' ++ >atha@

Da/ No $lot No Sa6e>--,*1 !al-(+,1 Khatian No RS-+,1 KhariC-.(.1 MouCaBalahoir1 G#-*,(1 $SNiamatpur1 Di3t - Nao/aon 7$%4)'5 T..1<.@0 %$c I T..13000/1ec.

Re3idential cum
Commercial

hi/h #and

1<.@0 ,F29 1E.@2-

+. +) *+,-

Road ?Out3ide Municipalit9@

RM

!& 20/.20 1ec ,124.3: .$*+$- *!*$% 7$%4)'5 T../0.:: %$c ,F29 T..42.32 %$c-

Branch ha3 provided the certi0icate in re3pect o0 acceptin/ mort/a/e o0 landed propert9 a3 3ecurit9 a3 per !ead O00ice circular no -,(A dated on ,A +, *+,*

Irre7!c$b%e Be'er$% !(er !& A**!r'e0 ?in ca3e o0 land re/i3tered and in other ca3e3 notariCed a3 applica6le@ to 6e o6tained 0rom the mort/a/or " compan9 " 6orro=er in term3 o0 the 3ection ,* o0 Artha Rin Adalat Ain *++-1 authoriCin/ the 6an> to 3ell the mort/a/ed propert91 h9pothecated " pled/ed 3toc>3 and other a33et3 mova6le : immova6le@ o0 the mort/a/or " compan9 " 6orro=er in ca3e o0 0ailure to ad2u3t the lia6ilit9 D- O*+er 2ec4r)*0: i@ ;re3h $G 0rom the 3pou3e o0 the proprietor 3hall 6e o6tained ii@ ;re3h $G and =ritten con3ent 0rom the o=ner"co-o=ner o0 the mort/a/ed propertie3 3hall 6e o6tained iii@ An undated che8ue coverin/ ,+B a6ove the each 0acilit9 " limit 3hall 6e o6tained Branch 3hall en3ure that the che8ue i3 per0ectl9 dra=n in all re3pect
C2"ec)$% c!'1)*)!'# &!r CC,H-: a@ E<ce33 over limit i3 3trictl9 prohi6ited 6@ D)#b4r#eme'* !' *+e "r!"!#e1 &$c)%)*0 )# #4bDec* *! $7$)%$b)%)*0 !& %!$'$b%e &4'1 !& *+e B$'.. c@ ;ortni/htl9 3toc> report in Ban>F3 3pecimen to 6e o6tained re/ularl9 and veri0ied 69 an authoriCed o00icer d@ One re3pon3i6le o00icer 3hould in3pect the 3toc> at lea3t once in a month e@ No tran3action 6e9ond the purpo3e 0or =hich the limit ha3 6een 3anctioned 3hall 6e allo=ed e@ An underta>in/ 3hall 6e o6tained 0rom the cu3tomer to the e00ect that he =ill utiliCe the credit 0acilit9 in hi3 e<i3tin/ 6u3ine33 : =ill not divert an9 0und to an9 other 6u3ine33 0@ No EO# 3hall 6e allo=ed =ithout prior permi33ion o0 the competent authorit9 2@ Branch in char/e 3hall per3onall9 monitor the tran3action in the CC ?!@ A"c and en3ure re/ular depo3it o0 3ale proceed3 /@ %nderta>in/ 0rom the 6orro=er that he 3hall not avail an9 credit 0acilit9 0rom an9 6an> in hi3 name"in the name o0 hi3 6u3ine33"3toc> =ithout the prior con3ent o0 Branch Mana/er h@ The Branch Mana/er mu3t >eep clo3e monitorin/ 3o that the account remain3 =ell tran3acted and /ood per0ormin/ >@ An underta>in/ in non-2udicial 3tamp 3hall 6e o6tained 0rom M1. 2!&)34% I#%$m 3tatin/ that he 3hall not avail an9 credit 0acilit9 0rom an9 other Ban> in the name o0 hi3 Bu3ine33 concern =ithout =ritten con3ent o0 the In-char/e o0 NBL, N)$m$*"4r 2ME/Kr)#+) Br$'c+. m@ The cu3tomer 3hall route entire 6u3ine33 tran3action throu/h the NBL, N)$m$*"4r 2ME/Kr)#+) Br$'c n@ Anti-hoardin/ polic9 o0 the Government 3hall 6e complied =ith Be'er$% C!'1)*)!': a@ Di36ur3ement"dra= do=n a/ain3t credit 0acilitie3 a3 approved =ill not 6e allo=ed 6e0ore ad2u3tment"re/ulariCation o0 overdue lia6ilitie31 i0 an9 6@ Branch 3hall have to >eep clo3e monitorin/"po3t di36ur3ement 0ollo= up on the client 3o a3 to en3ure ad2u3tment"repa9ment o0 out3tandin/ due3"lia6ilitie3 =ithin the approved validit9"tenure o0 the 0acilit9 C!mm!' C!'1)*)!'#: a@ The Branch-in-char/e mu3t 6e 3ati30ied a6out the valuation1 po33e33ion and o=ner3hip o0 the propert9 mort/a/ed =ith the Ban> in con3ultation =ith B#A 6@ All 0ormalitie3 includin/ documentation 3hall 6e completed and a certi0icate to thi3 e00ect 6e 3ent to !ead O00ice 6e0ore allo=in/ the 0acilit9 c@ All the document3 relatin/ to the Re/i3tered Mort/a/e o0 the propert9 3hould 6e veri0ied" e<amined and proce33ed 69 the le/al Advi3er"Retainer o0 our Ban> d@ The 6orro=er mu3t 6e intimated the condition3 o0 the limit and acceptance 0rom them in =ritin/ to 6e o6tained 6e0ore relea3e o0 advance The acceptance 3hall 6e /iven =ithin -+ da93 0rom the date o0 intimation other=i3e the limit =ill 6e cancelled e@ The limit 3hall automaticall9 6e cancelled i0 it i3 not availed =ithin (+ da93 0@ The 6orro=er 3hall intimate the Ban> an9 chan/e o0 addre33 either 6u3ine33 or re3idence =ithin *' hour3 o0 the actual chan/e /@ Ban> re3erve3 the ri/ht to alter or amend an9 clau3e o0 the limit or call 6ac> the 0acilit9?3@ at an9 time =ithout a33i/nin/ an9 rea3on =hat3oever h@ JThe Ban>K ha3 the ri/ht to 3et-o00 an9 out3tandin/ on one account a/ain3t an9 other account held in Jthe 6orro=erF3K name =hether in de6it or credit i@ JThe 6orro=erK =ill e<plicitl9 underta>e that all in0ormation 3upplied 69 JThe 6orro=erK to JThe Ban>K in connection =ith the approved credit 0acilitie3 i3 correct 2@ An9 le/al 0ee and other co3t incurred 69 JThe Ban>K in connection =ith the 0acilitie3 =ill 6e on JThe Borro=erF3K account ;or an9 deduction3 related to JThe Borro=erF3K account =ill 6e de6ited >@ #i3t o0 propertie3 o0 Individual"$roprietor"$artner3"Compan9 "Director3 =ith 0ull detail3 and pre3ent value 3hall 6e o6tained l@ Mort/a/ed propertie3 3hall not 6e relea3ed =ithout ad2u3tment o0 lia6ilit9

Page 5 of 6

M/s. Popy Traders Niamatpur Branch

m@ n@ !p@ 8@

2,*(!- #e*# !& c+$r5e 1!c4me'*# #+$%% be !b*$)'e1 be&!re 1)#b4r#eme'* !& %!$'. A Si/n6oard a3 per !ead O00ice Circular #etter No *'55 dated +. ,+ *++. 3hall 6e 0i<ed on the mort/a/ed propert9 in a vi3i6le place &aluation o0 RM$ 3hall 6e a33e33ed 69 the Ban>F3 enli3ted 3urve9or a3 per our circular letter no7 -+., dated +A +( *+,, #etter o0 Di3claimer to 6e o6tained 0rom the o=ner"le33or in ca3e o0 rented 3ho=room?3@" /odo=n?3@"3hop?3@" 0actor9 ?ie3@ or lea3ehold Audit o62ection3 mu3t 6e re/ulariCed under intimation to the concerned divi3ion

2"ec)$% C!7e'$'*: The 0acilitie3 3hall 6e e00ective and "or the 3anction =ill 6e operative 3u62ect to7 i@ Sati30action o0 mana/ement Authorit9 re/ardin/ availa6ilit9 o0 0und3 in BDT1 0orei/n e<chan/e covera/e1 3u00icient credit line or con0irmation arran/ement =ith corre3pondent Ban> ii@ Compliance o0 Ban/lade3h Ban> /uideline31 in3truction and =ritten"oral advice3 iii@ Compliance o0 Ban>F3 variou3 polic9 /uideline3 related to the credit?S@ includin/ all other term3 : condition3 3tipulated in 3anction O*+er 7 All other term3 : condition3 a3 per e<i3tin/ : u3ual credit norm3 o0 the 6an> 3hall 6e C!'1)*)!'# o63erved T+e "r!"!#e1 %)m)* )# :<.0@A !& *+e m$r.e* 7$%4e !& #ec4r)*0. Thi3 propo3al i3 =ithin the dele/ated 6u3ine33 po=er o0 the E8ec4*)7e C!mm)**ee $laced 0or >ind approval

M1. A#+$14r R$+m$' B+4)0$' r!b$*)!'$r0 O&&)cer E9 ,CRM-III- L

2.M. J$+)r4% H$34e 2e')!r r)'c)"$% O&&)cer

The a6ove propo3al =a3 placed to the Credit Committee in it3LLLLLLL meetin/ held on LLLLLL*+,- A0ter peru3al : di3cu33ion o0 the propo3al1 the Committee ha3 recommended 0or propo3al o0 re'e($% ()*+ e'+$'ceme'* !& CC,H- %)m)* &r!m T..20.00 L$c *! T..3/.00 L$c, A/c: M/#. !"0 Tr$1er#, r!"r)e*!r Mr. M1. 2!&)34% I#%$m -$ c4#*!mer !& !4r N)$m!*"4r 2ME/Kr)#+) br$'c+.

M4'#+) Ab4 J$.$r)$ &ice $re3ident

N)F$m A+me1 E<ecutive &ice $re3ident

20e1 M!+$mm$1 B$r)34%%$+ Senior E<ecutive &ice $re3ident

Ab14% H$m)1 M)$ Deput9 Mana/in/ Director

N$F)b >11)' B+4)0$' Deput9 Mana/in/ Director

2+$m#4% H41$ K+$' Deput9 Mana/in/ Director

2. M. G$&&$r Deput9 Mana/in/ Director

AKM 2+$&)34r R$+m$' Additional Mana/in/ Director

M1. B$1)4% A%$m Additional Mana/in/ Director

Page 6 of 6