Personal Loan

Charge Documents

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 Form for reporting SBS-2 & SBS-3 Returns
(To be filled in English by the bank officials)
A. AvgvbZKvixi Z_¨ (Depositor’s Information ):
(For SBS-2 Reporting)

wnmve b¤^i (Account No.):

e¨w³i †¶‡Î (For individual)

1| wnmveavixi bvg (Account opener’s Name): Sector Code:

(In Block Letter) (See page 87-102 of Guidelines for

SBS-12&3 Returns)
2| †ckv (Profession):
Type of Deposit Code:
3| wnmv‡ei aiY (Type of Account)
(See page 103 of Guidelines for SBS -12&3
Returns)

cÖwZôv‡bi †¶‡Î (For Institution/office/Company/Farm etc.):

1| cÖwZôv‡bi bvg (Name of the Institution):
(In Block Letter)
2| cÖwZôv‡bi aiY (Type of Institution): Sector Code:
3| wnmv‡ei aiY (Type of Account): (See page 87-102 of Guidelines for
SBS-12&3 Returns)

Type of Deposit Code:

(See page 103 of Guidelines for SBS
-12&3 Returns)

B. FY MÖnYKvixi Z_¨ (Borrower’s Information):

(For SBS-3 Reporting)

wnmve b¤^i (Account No.)

e¨w³i †¶‡Î (For individual)
Sector Code:
1| FY MÖnYKvixi bvg (Borrower’s Name) (See page 87-102 of Guidelines for SBS-12&3 Returns)
(In Block Letters) Economic Purpose Code:
2| †ckv (Profession): See page 107-111 of Guidelines for SBS-12 &3 Returns)
3| FY MÖn‡bi D‡Ïk¨ Sector Code:
(See page 112 of Guidelines for SBS-12 &3 Returns)
(Purpose of loans/advances) :
Product Code:
6| GmGgB wK bv (SME): n¨vu/bv| (See page 118 of Guidelines for SBS-12 &3 Returns)
SME Code:
See page 115 of Guidelines for SBS -12 &3 Returns)

cÖwZôvb‡`i †¶‡Î (For Institution/ Office/ Company/Farm etc.):

1| FY MÖnYKvix cÖwZôv‡bi bvg (Name of the Borrowing Institution):

(In Block Letters)
2| cÖwZôv‡bi aiY (Type of Institution): Sector Code:
3| FY MÖn‡bi D‡Ïk¨ (See page 87-102 of Guidelines for SBS-12&3 Returns)
(Purpose of loans advances): Economic Purpose Code:
See page 107-111 of Guidelines for SBS-12 &3 Returns)
4| RvgvbZ (Security):
Sector Code:
5| F‡Yi aiY (Type of Loan): (See page 112 of Guidelines for SBS-12 &3 Returns)
6| GmGgB wK bv (SME): n¨vu/bv| Product Code:
(See page 118 of Guidelines for SBS-12 &3 Returns)
SME Code:
See page 115 of Guidelines for SBS -12 &3 Returns)

Prepared by: Verified by: Approved by:

Note:
• Form wU Account opening Form Gi m‡½ msi¶Yxq|
• FY MÖnbKvixi Z_¨mg~n Loan Sanction nIqvi ci cÖwZwU FY MÖnxZv e¨w³/cÖwZôv‡bi Loan File Gi m‡½ msi¶Yxq|
• Joint Account Gi †¶‡Î 1st Applicant †K we‡ePbv Ki‡Z n‡e|
• GKvwaK Security Øviv Loan MÖnb Ki‡j Reporting Gi mgq G‡`i g‡a¨ effective Security we‡ePbv K‡i Zvi Security Code emv‡Z n‡e|
• SBS-2/SBS-3 Reporting Gi mgq GB d‡g©i Code ¸‡jv Aek¨B mwbœ‡ewkZ n‡e|
Name: .................................................................................................
A/C No. :
Address: .............................................................................................
Branch :
............................................................................................................
Date :
................................................................................. PO. ...................

City/District ...................................................................... Bangladesh

BANKING ARRANGEMENT LETTER

Dear Sir / Madam,
We refer to your application dated .................................................... under our Personal Loan scheme and are pleased to offer
you the following credit limit on the following terms and conditions :

Particulars of your Personal Loan:

Loan Account Number : .........................................................

Loan Amount (BDT) : .........................................................

Purpose of the Loan : ..............................................................................................................................

Disbursement Date : .........................................................

Processing Fee (BDT) : .........................................................

Safety Plus Premium Amount (BDT) : .........................................................

Personal Loan Insured by: : .........................................................

Interest Rate (per annum) : .........................................................

First Installment Due Date : .........................................................

Number of Installments : .........................................................

Monthly Installment Date : ............................... or before of every month till maturity / settlement
* the last installment amount may vary from regular
Installment Amount (BDT)* : ......................................................... installment amount

Method of Payment : SI PDC BEFTN (from : .....................................................................)

Last Installment Date : .........................................................

*prepayment or early settlement will only be allowed after payment of the
Settlement Fee* : ................................ 6th (sixth) installment
Delayed Payments : Penal interest will be charged on overdue amount at the rate of ............. % p.a.

Other Fees / Charges : Any fees, charges, duties, etc. Ievied 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
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 authorisation
Letter of introduction from ....................................................................................................................................................
Letter of salary assignment from .........................................................................................................................................
Letter of undertaking from ...................................................................................................................................................
Letter of Guarantee for BDT ......................................... from ..............................................................................................
Original Certificate of Professional Degree
Bank Statement of 6-12 months
Tax Returns of last period
Memorandum of Deposit of Post Dated Cheques
Post Dated Cheques starting from ......................................................................................................................................
Others (Please specify) .......................................................................................................................................................

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 alone or jointly with any other person, or
persons, company or companies on any account or in respect of any liability whatsoever whether actual or contingent and
whether in the capacity of principal debtor or guarantor surety or principal obligor or otherwise. You also agree 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 fully adjusted and settled.

After full and final settlement of this Loan the Bank shall cancel and destory 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 yourself and your successors and shall be valid notwithstanding any change in the document of incorporation of the
Bank or any merger, acquisition or amalgamation of the Bank with any other body corporate.

------------------------------- ------------------------------
Authorised signature Authorised signature

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

---------------------------------------- ----------------------------------------
Signature of First Applicant Signature of Joint Applicant
Yours faithfully,
Debit Authority

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

- -

For BDT .
BDT ______________________________________________________________________________________
(in words)

in consecutive monthly instalments as on day or the following 3 working days of each

month commencing from the month of _____________, ________

Month Year
Year

Signature (First Applicant) Signature (Joint Applicant)

LLID:

Debit Authority for Insurance Premium Deduction for Personal Loan

I/we have agreed to enrol in life insurance coverage with personal loan availed from the Bank. And as
part of the requirement for debiting the insurance premium for Personal Loan, I/we hereby authorize
the Bank to debit my/our account as per following instructions:

Account Number:

Account Title:

Amount:

Amount In Words:

Signature & Date: Account Holder-1 Signature & Date: Account Holder-2 (If Jointly Operated)

Bank Use Only:

Signature verifying Bank Official’s Name, Seal & Signature

Designation_______________________________
Date ___________________________________
 Important Information Document (IID) for Personal Loans

Important Information for you to know about your Personal Loan from Standard Chartered Bank

Thank you for applying for a Standard Chartered Personal Loan. At Standard Chartered, we believe in earning your
trust by presenting information 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:

1. We are pleased to inform you that a Personal Loan for the amount of BDT_________________________ has been
approved and credited to your account. Please note that you will repay us in equal monthly installments of
BDT_________________________ for _______ months starting from ________________.

2. Your first installment is due on _______________________. After that on the ______ day of each month until the
loan amount with interest has been repaid. If your first installment interval is not settled within 30 days, interest will
either be claimed by the Bank or reimbursed to your account depending on the date of repayment.

3. We will debit your Current / Savings / Loan Repayment Account for the installment amount on the installment due
date.

4. You have been charged a Processing / Establishment Fee of BDT __________________ including VAT.

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

6. If your monthly installments are not paid by the due date, your loan account will accrue an overdue interest at 24%
on a daily basis.

7. You will be eligible to repay the loan early only after payment of your 6th (sixth) Equal Monthly Installment (EMI). An
Early Settlement Fee at prevailing rate on your outstanding Loan balance on the date you wish to repay will apply to
cover administration fees and other costs.

9. 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.

10. 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 not that Standard Chartered Bank will also
take necessary steps to collect any unpaid dues, including legal action where necessary.

11. 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 conditions enclosed in the
"Personal Loan" (the Loan) application form and Banking Agreement letter will prevail over those in the IID.

12. For additional information, please call our 24 hour Client Care Centre at 8332272, 16233 (from mobile) or contact
your nearest branch.
 MEMORANDUM OF DEPOSIT OF POST DATED CHEQUES

STANDARD CHARTERED BANK

67, 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 BANK

67, 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 installment) 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)
2. Insert full name of the borrower in capital letter
July 2017