Non Personal Account Opening Form.pdf

(Incorporated in Sri Lanka with Limited Liability)

NON-PERSONAL ACCOUNT OPENING FORMPlease complete all details in BLOCK letter

The Manager

Commercial Bank of Ceylon PLC

................................................Branch

Dear Sir,I/we are applying to open the following account in your branch. My/our detailed information are given below:

Other Bank Accounts Including Commercial Bank of Ceylon PLC (If any)

General Information

BDT

Savings Current S.T.D. Fixed FC RFCD NFCD Other..............................

USD EURO GBP Other...........................................

Account No.

Type of Account

1).........................................

2).........................................

3).........................................

Name of Bank

1).........................................

2).........................................

3).........................................

Deposit A/C

Deposit A/C

Deposit A/C

Loan A/C

Loan A/C

Loan A/C

Other

Other

Other

Type of Operating Account (Please Tick)

Currency (Please Tick)

Date

CIF No.

D D M M Y Y Y Y

Name of Proprietor/Partners (Only for Sole Proprietorship/Partnership/Joint Venture)

1) ............................................................................... 2) ...............................................................................

3) ............................................................................... 4) ...............................................................................

Organization's Address

i) Registered Address : .........................................................................................................................................................................

ii) Business/Office Address: .........................................................................................................................................................................

iii) Factory Address : .........................................................................................................................................................................

Office : Phone .......................................... Fax .......................................... Email .....................................................

Factory : Phone .......................................... Fax .......................................... Email .....................................................

Trade License No. : ....................................................................................................... Date.........................................................

Issuing Authority : .........................................................................................................................................................................

Registration Authority : .........................................................................................................................................................................& Country (For both Local/Foreign)

Registration No. : ....................................................................................................... Date.........................................................

Tax Exempt : Yes, Approval Ref. ................................................................ (Attested copy to be enclosed) No

Tax ID No. : .........................................................................................................................................................................

VAT Registration No. (if any): .........................................................................................................................................................................

Nature of Business (in detail): .........................................................................................................................................................................

Convertible

Limited Liability Company Incorporated in Bangladesh / Overseas. Please specify the country........................Type of Organization

Clubs Society Association GovernmentNGO

Sole Proprietorship Partnership Other..................................Joint Venture

Branch

Account Title .........................................................................................................................................................................................

Introducer's Information

Information of Special Scheme

Fixed Deposit Information

Name of Scheme...................................................................................................................................................................................

Period of Scheme..................................................................................................................................................................................

One Go Deposit/Amount of Installment...............................................................................................................................................

Monthly Payable...................................................................................................................................................................................

Payable at Maturity...............................................................................................................................................................................

No. of Installment (Yearly)...................................................................................................................................................................

Amount................................... In words...................................................................... Currency...................................................

Three Months

Date of Issue.............................. Maturity Date..............................

Renew Principal & Interest

Cash Cheque Debit our A/C No. .....................................................

Renew only Principal, Deposit Interest in Account No.............................................................

....................................... % Per Annum

Renew Only Principal

Six Months One Year Other.....................................................Period

At Maturity

Rate of Interest

Source of Fund

............................................Name

............................................Account Number

....................................Name of Branch

.................................Signature & Date

Signing Authority & Acceptance of Terms & Conditions

For Bank's Use Only

I/we hereby assure that I/we have read and understood all the Terms & Conditions relevant to the account and will be responsible to abide by the Terms & Conditions of Commercial Bank of Ceylon PLC. I/we consciously declare that the above information is true.

I/we will provide any relevant important information/document apart from the information asked by you.

Name...........................................................

Designation.................................................

Date.............................................................

Account Opening Checklist Completed Account Opening Form

Introduction

Photograph of Applicant (2 copies passport size for each applicant duly attested by Introducer)

Photograph of Nominee (1 copy passport size duly attested by Applicant)

Completed by

Reviewed by

..............................................Account Opening Officer'sSignature, Seal and Date

...........................................................Manager's Signature, Seal and Date

Branch Code...........................................................

Name of the Branch Staff.......................................

Officer ID No. ......................................

Designation...........................................

Remarks (If any) .....................................................................................................................................................................................

Account Operating Declaration (Please Tick):

Signature of Applicant

Individually Jointly Either or SurvivorOther.................

Name...........................................................

Designation.................................................

Date.............................................................

Name...........................................................

Designation.................................................

Date.............................................................

Signature of ApplicantSignature of Applicant

Name of the Branch Staff....................................... Designation...........................................

Transaction Profile (Not Applicable for Fixed Deposit)

Statement Facility

Description Number ofTransaction (Monthly)

Highest TransactionAmount (Each Transaction)

Total Amount(Monthly)

I/we the following signatory/signatories hereby confirm that the transaction profile is regular & normal transaction of my/our

organization. I/we assure that, if needed I/we will amend/update the transaction profile.

Purpose of Opening Account

Cash Deposit (Including Online/ATM)

Deposit through Transfer/Instrument

Deposit of Foreign Remittance

Earning from Export

Other (Specify)

Deposit

Cash Withdrawal (Including Online/ATM)

Payment through Transfer/Instrument

Withdrawal of Foreign Remittance

Expense through Import

Other (Specify)

Signature....................................................

Name..........................................................

Designation................................................

Date............................................................

Signature....................................................

Name..........................................................

Designation................................................

Date............................................................

Statement Frequency

Holdmail Instruction

Monthly

Hold

Quarterly Half Yearly

Stop: Reason.................................................................................................

Signature....................................................

Name..........................................................

Designation................................................

Date............................................................

Initial Deposit : Amount

Withdrawal

Total Probable Deposit

Total Probable Withdrawal

Personal Banking

Foreign Remittance

Savings

Investment

Loan Repayment

Other ............................

Source of Fund Business

Inheritance/Gift/Return on Investment

Salary

Other .................................................................

Commission

Terms and Conditions

The laws and regulations of Bangladesh will apply as to open and operation of the account.

Any person opening an account will be deemed to have read, understood and accepted the accounts governing rules.

A suitable introduction by an introducer acceptable to the Bank is required prior to any opening of account. Recent photographs of the account openers i.e. owners/directors/signatories duly attested by the introducer must be produced.

Each account will be given one account number. This number is properly quoted on all letters and/or documents addressed to the Bank and all deposit slips. The Bank will not be responsible for any loss or damage occurring as a result of wrong quotation of the account number.

In consideration of Commercial Bank of Ceylon PLC agreeing to carry out financial order(s)/transaction(s) on the basis of our facsimile instruction(s), pending submission of the original order(s)/instruction(s) I/we do hereby undertake, agree and indemnify Commercial Bank of Ceylon PLC as follows:

That I/we have given Commercial Bank of Ceylon PLC authorization to carry out all financial order(s)/tracsaction(s) as per my/our facsimile instruction(s) and I/we guarantee to indemnify Commercial Bank of Ceylon PLC for any loss/damage in consequence thereof.

That I/we shall produce the original order(s)/instruction(s) in due course as promised and for any default if Commercial Bank of Ceylon PLC suffer any loss/damage we shall fully indemnify the Bank with all legal costs and expenses, if any.

That this indemnity is given over and above any other securities Commercial Bank of Ceylon PLC has and also other legal remedies available to Commercial Bank of Ceylon PLC.

Interests/commissions/service or maintenance charges will be levied/determined time to time by the Bank and as per Bangladesh Bank regulations.

The funds available in any of the account holder's account (the customer) with the Bank will be considered by the Bank to be a security for any commitment(s) and/or obligation(s) present and/or future of the customer to the Bank. In the event of dishonour or unfulfilment of such obligation(s) and/or commitment(s), the Bank is entitled without giving prior notice to the customer to utilize such funds against the obligation(s) and/or commitment(s) of the customer of the Bank.

Any statement of account dispatched to the customer, will be considered approved unless discrepancy(ies) is/are notified in writing to the Bank within 15 days from the date of dispatch. The Bank is not responsible for any mail delays, which is beyond the control of the Bank. Statement of accounts to be collected by account holder (representative) will be considered as approved even if not collected 15 days after the date of issue. Statements of accounts are not issued when there is no operation recorded during the month although a statement can be obtained on special request. Bank will not be liable for loss/misdelivery of statement of account in case of change of address without prior written intimation to the Bank by the account holder.

Account holders must provide maximum security to the cheque books in their possession and the Bank is not responsible for any loss occurring due to inadequacy of security. Any cheque book loss or misused must be immediately reported to the Bank and confirmed in writing without any delay.

When cheques deposited payable by other Banks on Dhaka or out station branches, they are available after clearing or collection only.

The Bank reserves the right to close any account without giving prior notice if the conduct of the account is unsatisfactory in the opinion of the Bank or any other reason(s) whatsoever.

The Bank may at any time in its discretion, discharge its entire liability with respect to this account(s) by mailing to the customer at the address indicated herein, its draft in the currency of the account(s) payable to order of the customer in the amount standing to the credit balance in the account deducting the amount of the any claims that the Bank may have on such funds.

The balance in the account(s), is payable solely at any branch of Commercial Bank of Ceylon PLC in Bangladesh accordance with the Bank's terms and conditions and shall be governed by and subject to law(s) in effect in Bangladesh. As used herein "Laws" will include circulars, modifications, regulations and orders of the Government and the Bangladesh Bank.

The Bank reserves the right to amend the present rules at any time and in a manner with or without giving prior notice to the account holder separately or the public.

AgreementI/We hereby agree to the above general terms and condition

...........................................Applicant's Signature

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Special Conditions for Partnership Firm's Account

Documents required to open Non-personal Account

Specimen Signature Card duly completed

Copy of Valid passport of Directors/Authorized Signatories/Major Shareholders duly attested

Copy of Power of Attorney of signatories, if any duly attested

Photographs of Director/Authorized signatories attested by the introducer

Copy of Certified form XII from Registrar of Joint Stock Companies concerning updated list of Directors/Registrar of Societies

Particulars of all Directors/Authorized Signatories, duly certified by Chairman/Company Secretary

Copy of Minutes of Board Committee resolution concerning opening and operation of bank accounts, duly certified by

Chairman/Company Secretary

Copy of Certificate of Commencement of business from the Registrar of Joint Stock of Companies.

Copy of Certified Memorandum and Articles of Association from the Registrar of Joint Stock of Companies/By Laws

Latest copy of Balance Sheet

And/or any document required by Branch Manager

Additional Documents required to open Limited Liability Incorporated in Oversees (In additions to Non-Personal A/C)

Copy of Work Permits where necessary

Copy of Government Registration (BOI/EPZ)

Copy of Permission under 18A/18B from Bangladesh Bank

Copy of Contract, where applicable


Additional Documents required to open Clubs/Societies/NGO Account (In addition to Non-Personal A/C)

Copy of registration from the NGO Bureau

Copy of Certified Constitution/By Laws


Documents required to open Sole Proprietorship Account


Copy of Valid passport of Owner/Proprietor duly attested

2 Photographs of Proprietor/Authorized signatories attested by the introducer

Copy of Trade License duly attested (original to be shown to Branch Manager)

Certificate of Seal Impression, where applicable


Documents required to open Partnership Account


Copy of Registered/Partnership deed duly attested (Original to be shown to Branch Manager)

Signatories or Identification Letter/Card from employer or Certificate from Ward Commissioner/Chairman of Citizenship

Copy of Trade License


We request and authorize you until any of us shall, give you notice in writing to the contrary, to honor and debit of the firm's Account, all Cheques, Guarantees, Negotiable Instruments or other Orders which may be drawn or bills accepted or notes made or receipts for money owing by you to the firm, whether the firm's account be for the time being in credit or over drawn or may become overdrawn in consequence of such debit and we will jointly and severally responsible for the repayment of any such overdraft and interest.

We also request and authorize you to accept the endorsement of any of us in the name or on behalf of the firm on Cheques, Orders, Bills, Notes or other Negotiable Instrument.

You are hereby authorized to carry out any instruction in connection with the account (including instructions countermanding payment of Cheques, Bills of Exchange, Promissory Note or Order for Payment) when such instructions are given by all or any one of us.

Any security or order property deposited in the name of firm may be withdrawn and any money may be borrowed from you in the name or on behalf of the firm and may be secured in any manner upon any security money or property of or deposited in the name of the firm by any one of us and we will be jointly and severally be responsible for the repayment of such moneys with interest costs charges and expenses.

Any liability whatsoever incurred in respect of the account shall be joint and several.

This authority shall remain in force until revoked notwithstanding any change in the constitution or name of the firm and shall apply notwithstanding any change in the membership of the firm by death bankruptcy and retirement.

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Annexure E : Identification of Directors and Authorized Signatories

(Company letterhead)

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

The Manager(Name & Address of Financial Institutuon)

Sincerely,

...........................................................Chairman / Secretary (Name & Seal)

(Company Stamp)

NameDesignation

Father's NameMother's Name

Date of BirthNationality

TIN

PresentAddress

PermanentAddress

Sub : Identification of Directors and Authorized signatories

This is to introduce the following directors of the company & authorized signatories of the account(s) of the company maintained with your bank.

We certify that information provided above is true and correct. Please treat this letter together with duly attested photographs of the above individuals attached herewith on separate sheet, as photo Identification document.


INFORMATION RELATED TO INDIVIDUALPlease complete all details in BLOCK letter

(This form should be filled up & attached with main forms for Personal & Non-personal Account)

The Manager

Commercial Bank of Ceylon PLC

................................................Branch

Name ...........................................................................................................................................................................

Gender

Marital Status

Nationality

Relation to Account

Date of Birth

Father's/Husband's Name...........................................................................................................................................................................

Mother's Name ...........................................................................................................................................................................

Profession

Present Address ...........................................................................................................................................................................

Permanent Address ...........................................................................................................................................................................

Contact Information Tel (Res.) ......................................... Tel (Off.) ......................................... Mob. ..........................................

E-mail ..............................................................................................................................................................

Organization's Name ...........................................................................................................................................................................

Position/Designation Held...........................................................................................................................................................................

Professional Address ...........................................................................................................................................................................

T.I.N. ...........................................................................................................................................................................

National ID No. ...........................................................................................................................................................................

Passport No. ...........................................................................................................................................................................

Driving License No. ...........................................................................................................................................................................

Bangladeshi National Resident Non Resident

Foreign National Resident Non Resident

1st Applicant

Minor Guardian Attorney Holder Signatories Other.................

2nd Applicant 3rd Applicant Director Shareholder

Service

Male Female

Business Other ....................................................................................

Applicant's Signature & Date

Applicant'sPhotograph

Date

CIF No.

Account No.

D D M M Y Y Y Y

D D M M Y Y Y Y

Applicant's Details

Married Single

(Put (Ã ) mark where applicable)

(Put (Ã ) mark where applicable)

FOR KIND INFORMATION OF THE RESPECTED CUSTOMERS ✽

PLEASE EXTEND YOUR CO-OPERATION TO IMPLEMENT MONEYLAUNDERING PREVENTION ACT, 2009

* Issued by Anti-Money Laundering Department, Bangladesh Bank, Dhaka. (Translated Version)

COMMERCIAL BANK OF CEYLON PLC

Customer's Signature .........................................

Money Laundering Prevention Act, 2002 (Presently Money Laundering

Prevention Act 2009) has been introduced to prevent acquisition and transfer

of property by illegal means.

The said law is being implemented through the banks and financial

institutions under the supervision of Bangladesh Bank.

Illegal transfer, conversion, concealment of properly acquired directly or

indirectly by legal or illegal means or aiding and abetting such activity is

against the national interest.

Banks are often used by unscrupulous persons for doing the above

mentioned illegal activities. Therefore, you are requested to co-operate with

the bank authorities by being more conscious and active in the matters of

bank account opening, transfer of money and provision and preservation of

correct and complete information relating to identification of a customer.

In the event of any suspicion arising out of unusual transactions, the Central

Bank may investigate into any account. If illegal transactions are proved,

Central Bank may prosecute in the court of law and all offences under this

law are non-bailable.

The court may issue investigation orders as appropriate or impose

punishments specified against each offence under this law, such as freezing

order, attachment order, monetary fines and pass other orders including

orders to compensate. In such circumstances, the offender may have to

suffer imprisonment for not less than 6 (six) months and not more than 7

(seven) years and may have to pay a fine of double the amount involved.

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KYC PROFILE FORM(Applicable for Special Scheme/Fixed Deposit)

1. Account Name :

6. Information of Beneficial Owner (In case of company detail information of the controlling shareholder or

shareholders holding 20% & above individual share) ..................................................................................................................................

7. Passport No. ......................................................................................................... Photocopy Obtained? Yes No (If Applicable)

8. Voter ID Card No. ................................................................................................Photocopy Obtained? Yes No (If Applicable)

9. National ID Card No. ........................................................................................... Photocopy Obtained? Yes No (If Applicable)

10. T.I.N. ................................................................................................................. Photocopy Obtained? Yes No (If Applicable)

11. VAT Registration No. ....................................................................................... Photocopy Obtained? Yes No (If Applicable)

12. Driving License No. .......................................................................................... Photocopy Obtained? Yes No (If Applicable)

13. What the Customer Does ?

Describe the profession of the customer in detail:

Remark (If Any)

(* In this part according to the subjective consideration, remark can be made regarding the risk of the customer)

----------------------------------------------------------Account Opening Officer/Relationship ManagerSignature (With Seal) & Date

-----------------------------------Approving Officer's NameSignature (With Seal) & Date

2. Type of Account :

3. Reference Number :

4. Name of Account Opening Officer :

5. What is the source of the Fund? How the source of fund was assured? (If applicable)

15. What does the Customer do / The organization is involved in what type of business ?

7. Information of Beneficial Owner (In case of company detail information of the controlling shareholder or

shareholders holding 20% & above individual share) ..................................................................................................................................

8. Passport No. ......................................................................................................... Photocopy Obtained? Yes No (If Applicable)

9. Voter ID Card No. ................................................................................................Photocopy Obtained? Yes No (If Applicable)

10. National ID Card No. ......................................................................................... Photocopy Obtained? Yes No (If Applicable)

11. T.I.N. .................................................................................................................. Photocopy Obtained? Yes No (If Applicable)

12. VAT Registration No. ....................................................................................... Photocopy Obtained? Yes No (If Applicable)

13. Driving License No. ........................................................................................... Photocopy Obtained? Yes No (If Applicable)

14. Obtain confirmation about the reason of opening Non-residence & Foreign account. Nature of Visa [Resident / Work]

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

Sl. No. Nature Risk Level Score


KYC PROFILE FORM(Applicable for opening account of Individual & Organization)

1. Account Name :

2. Type of Account :

3. Reference Number :

4. Name of Account Opening Officer :

5. Type of Business & Source of Fund :

6. How the source of fund was assured? For establishment of business relationship, it should be described whether the

amount of transaction is relevant to business by clearly mentioning the nature of business.

01 Jewellery/Gold Business High 502 Money Changer/Courier Agent High 503 Real Estate Agent High 504 Promoter of Construction Project High 505 Off-shore Corporation High 506 Art/Antique Dealer High 507 Owner of Restaurant/Bar/Night Club/Residential Hotel High 508 Import/Export Agent High 509 Cash intensive business (BDT 25 Lac per month) High 510 Share/Stock Dealer High 511 Manpower Export Business High 512 Operations in Multiple Locations High 513 Film Producer/Distribution Institution High 514 Arms Business High 515 Mobile Phone Operator High 516 Traders with a turnover of more than 1 crore per annum High 4

(The Higher Limit of table 16 to 21 will be considered as same class. Example: 50 lac taka will be classified under 0-50)

16. Net Worth of Customer :

Amount (Taka) Risk Level Risk Rating

1-50 lac Low 0

50 lac -2 Crore Medium 1

> 2 Crore High 3

17. By whom the account was opened :

Type Risk Level Risk Rating

By Relationship Manager / Branch Low 0

By Direct Sales Agent Medium 1

Internet High 3

Walk in/ Spontaneous Customer High 3

18. Amount of Monthly Transaction Declared by Customer :

Amount of Transaction inCurrent Account (In Taka Lac)

Amount of Transaction inSavings Account (In Taka Lac)

Risk Level Risk Rating

0-10 0-5 Low 0

10-50 5-20 Medium 1

>50 >20 High 3

Sl. No. Nature Risk Level Score

19. Number of Monthly Transactions Declared by Customer :

No. of Transaction in Current Account No. of Transaction in Savings Account Risk Level Risk Rating

0-100 0-20 Low 0

100-250 20-50 Medium 1

>250 >50 High 3

17 Travel Agent High 418 Transport Operator Medium 319 Auto Dealer (Reconditioned Car) Medium 320 Leasing/Financing Company Medium 321 Freight/Shipping/Cargo Agent Medium 322 Insurance/Brokerage Agency Medium 323 Religion Organization/ Institute Medium 324 Entertainment Organization/ Park Medium 325 Business of Motor Parts Medium 326 Business of Tobacco & Cigarette Medium 327 Auto Primary Low 228 Owner of Shop (Retail) Low 229 Business Agent Low 230 Small Businessman (Yearly turnover below 50 Lakh) Low 231 Self Employed Employee Low 232 Corporate Customer Low 233 Business of House Construction Material Low 234 Computer / Mobile Phone Dealer Low 235 Software Business Low 136 Manufacture (Excluding Arms) Low 137 Retired from Job Low 038 Service Low 039 Student Low 040 Housewife Low 041 Farmer Low 042 Others............................(Bank will provide risk score according to the nature of business) Low 0

Remark :

(A customer can be considered as high risk customer according to subjective consideration by mentioning the causes even if the riskrating of that customer is less than 14)

Prepared By :(Account Opening Officer / Relationship Manager)

Signature (With Seal)

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

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

Approved By :(Branch Manager / Branch Head of Operation)

Signature (With Seal)

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

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

23. Whether the address of the customer is verified ? Yes No

26. When the information of the account was Reviewed & Updated for the last time ?

24. If the answer is yes, how the address was verified ? .........................................................................................................................

25. Politically Exposed Persons (PEPs) : (According to A.M.L Circular Number 14)

a) Whether approval was taken from senior management ? Yes No

b) Source of Wealth :

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

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

c) Whether interview of the customer was taken ? Yes No

Name of Reviewing & Updating Officer :

Signature: ..................................................................................................................

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

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

20. Amount of Monthly Cash Transactions Declared by Customer :

Transaction in CurrentAccount (In Taka Lac)

Transaction in SavingsAccount (In Taka Lac)


0-10 0-2 Low 0

10-25 2-7 Medium 1

>25 >7 High 3

21. Number of Monthly Cash Transactions Declared by Customer :

No. of Transaction in Current Account No. of Transaction in Savings Account Risk Level Risk Rating

0-15 0-5 Low 0

15-30 5-10 Medium 1

>30 >10 High 3

22. Total Risk Grading :


>=14 High

<14 Low