EXIM 5th Subordinated Bond | eRecruitment

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Mudaraba Femina Monthly Benefit Scheme
Objectives of the Scheme
A monthly Benefit Scheme. To help the female employees of all races & communities maximization their wealth by providing remarkable return of their savings.
A monthly Benefit Scheme. To help the female employees in making positive contribution to their family by providing fund in family's financial crises.
Monthly Benefit
The monthly benefit period is 1 year.
Any Housewife having sound mind can open a Mudaraba Femina Monthly Benefit Scheme with any branch of the bank by depositing at least Tk. 25,000/- (twenty five thousand) and its multiple amount on any day of the month.
At least 65% of investment income shall be distributed among the Mudaraba Depositors as per weightage. The Deposit will bear weightage 1.27.
Bank reserves the right to change the weightage of deposit and percentage of distribution of Investment Income.
Benefit against the deposited amount of the account would be credited to the Mudaraba Savings Deposit Account of the client maintained with the branch on the same day of every succeeding month as per Rate Circular.
One or more account(s) can be opened in the same name at the same branch of the bank.
Normally, deposited amount of "Mudaraba Femina Monthly Benefit Scheme" is not en-cashable before maturity. If any depositor intends to encash her account before maturity due to certain unavoidable circumstances, the terms & conditions for premature encashment of Mudaraba Monthly Savings Deposit Scheme will come into force. In case of premature encashment of "Mudaraba Femina Monthly Benefit Scheme" no profit shall be paid to the depositor.
In case of death of account holder(s), the nominee(s) may continue the account till maturity. In that case, nominee(s) or legal guardian of minor nominee(s) must open a Mudaraba Savings Deposit with the branch. The branch will credit monthly benefit of deposited amount of the account holder (deceased) to the account opened by the nominee(s)/legal guardian of minor nominee(s).
Investment Facility
Investment against lien of such receipt may be allowed upto 80% of deposited amount subject to application of normal terms & conditions of investment of the bank. Benefit of Mudaraba Su-Grehini Monthly Benefit Scheme will be credited to the Investment Account of the client(s) till full adjustment of total liability.
Reasons for disqualification from this scheme
In case of death of account holder(s), the account will be in-operative and the entire deposited amount with profit (if applicable) shall be paid to the nominee or the legal guardian of minor nominee(s) as mentioned in the account opening form. If the nominee is minor, the same shall be paid to the legal guardian of the minor. In other cases, the amount shall be released as per rules in force.
Achievement from the scheme
Two copies of recent passport size photographs of account holder attested by the introducer.
One copy passport size photograph of nominee attested by the account holder.
Copy of Passport/National ID Card/Word Commissioner's Certificate of the account holder acceptable to the bank.
Other conditions of the product:
No cheque book will be issued under the scheme.
If there occurs any loss in the business, the same to be borne by the Saheb-Al-Maal.
The laws, rules & regulations of Bangladesh, custom & procedures applicable to the scheduled bank in Bangladesh shall apply to and govern the conduct of the account opened with bank.
Though the Bank maintains strict confidentiality in all affairs of the account, Bank shall always be entitled to disclose any information regarding customers' account(s) held with the Bank to any of the followings:
i. Any regulatory, supervisory, governmental or quasi governmental authority with the jurisdiction over the bank.
ii. Any person to whom the bank is required or authorized by law or court order to make disclosure.
Any change of the information furnished by the customer herewith must be notified to the bank immediately, otherwise the bank will not be liable for the consequences.
The customer agrees that the bank will not be liable for any loss or any damage if the bank is unable to provide services in connection with any customer's accounts due to postal, courier, electrical, mechanical, telecommunications or by reason of act of god, catastrophe, war, civil or industrial disturbance, computer failure or any other cause beyond Bank's control and that cannot be overcome by reasonable diligence and without unusual expenses.
Operation of this account will be guided by the Money Laundering Prevention Act-2012 and other terms & conditions as prescribed by the Bank from time to time.
VAT/Taxes/Excise Duty or other charges (if applicable) to be deducted from the account as per prevailing rules of competent authority (ies).
Bank reserves right to change/amend/alter/modify the weightage, profit distribution principles or any of the rules of the scheme from time to time as per Bank's standard & policy.

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