Know Your Customer (KYC)

AB Bank [Customer(s) Risk Assessment Profile]

Organizatlonal Account
Review Date : TOS 2624
Account Number
1. Title of Account..

2. Account Type
MSSacchpS.N.D.
Savings
hirpruei
FEC. Current
'*****'*****'***'***'**'******'*************************************'****

N.I.TA. F.. Others

3. Type of
Organization
Sole Proprietorship Partnership Joint Venture PrvateLImlted CompanyPublicLimited Company
Trust NGO/NPO Cub/SocietyEducationalInstitution Religious Institution Others *** **

4. Net Worth of the Organization 4060 **********''**. *"*****************

5. Sourcefs) of Fund (details)6USUA. .. ... . .. . ********************************************************

6. List of Documents collected for verification of Soyrce(s) of Fund:

() Cesk. '***********
***********"****''**** *******
*******'******

()..****************************'***********
. ******t**********
* ***"'** *********'******

*************'*****'***'**********

(in).
**********°*.

******'*.

Have the collected document(s) been verified? Yes No

7. How were the Organization's Addresses verified..

8. Is/Are there any Beneficial Owner(s) of the account? Yes

If yes, then obtain and attach duly filled & signed "Beneficial Owner Information Form" for each Beneficial Owner]
Note: For company account, duly filled & signed Individual KYC Forms have to be obtained for all shareholders holding 20% or more shares and
controlling share holders
Photocopy obtained Verified
9. Electronic Tax ID (E-TIN)

10. VAT Registration

11. Registration Certificate

12. Other Documents:.

13. Purpose of account opening for Foreign Company/Organization (where applicable) * stups *********************"*** **********"'"******************************************|

**************'*** *****
***********"***""****"*'**°'***'*****************'***********"
************'"******'*"****'****'***************"

a. Name of relevant Regulatory Authority ******'*** ************************"

b. Information regarding Permission ... ............ . ... o*****nnneenn****************************** *****************..

********.

14. Is any Politically Exposed Person (PEPs)/Influential Person(TPs)/Head of International Agency(s) pr-High ranked Official and his/her family member(s)/Close

Associate(s) related to the Organization as per BFIU Guideline? Yes No

If Yes
a) Has approval been obtained from Appropriate Authority? Yes No
b)Was any face to face interview held with the Applicant? Yes No
15. In accordance with relevant laws,rulesand circulars, It ls a mandatoryrequirement for Banks to ensurescreening of Aplcant'snameagalnst the names
or entities listed under United Nations Security Council Resolutions as suspects involved In terrorism, terrorist acts and proliferation of weapons of mass
destruction andthesanctioned lsts (as provided by OFAC, UK, EU and the Governmentof Bangladesh) whille opening a new account/estabishing a new
relationship. Any match identified? Yes Ae
a. If Yes, then describe the action taken ************'**********

***************'''""*****.

**''****"***"

Initial of Assigned Officer.. Initial of BOM/BRM . .. *** ******** *

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16. Risk Grading
a. Goods/Services Risk b. Onboarding/Channels Risk

Type of Goods/Services Risk Score Type of Onboarding Risk Score

Savings
By Relationship Manager/Branch
Current
By Direct Sales Agent
S.N.D.
Internet/Non Face to Face
FC
Walk-Ir
N.I.T.A
FEN
Others 1-5

Geographical Risk
Non-Residency Risk For Foreign Citizens only
Type of Applicant
RiskScore Risk based on Place of Birth/Residential Status Risk Score
Resident Bangladeshl Is the country of nationality of the Customer included in FATF'S
Jurlsdiction under increased monitoring and high-risk jurisdictions
Non-Resident Bangladeshi subject to a call for action or is the customer sanction listed under
UN orany other Sanction List
Foreign Ciizen Yes

No
d. Line of Business Risk

SI.INo. Line of Business Risk Score SI. No Line of Business

Risk Score
Jewelry/Gems/Precious Metal 27 Electricity &. Fuel Generating Company
Money Changer/Courier Service/Moble Banking Agent 28 Print&Electronic Media
Real Estate Developer/Agent
29 Travel Agent/Tourism Company
4J| Construction Project Promoter/Contractors 30 Business with investment more than Tk. 1.00 crore
5 Art 8& Antique Dealer Chaln Store/Shopping Mall

15 Restaurant/Bar/Night Club/Parlor/ResidentialHotel 32 Freight/Shipping/Cargo Agent/c&F Agent

7 Import/Export & Import/Export Agent 33 MotorCar Business (New/Reconditioned)

&| Manpower Export Leather/Leather Goods 4

9 Arms Business 35 Construction Materials

10 Gaments Business/Gaments Accessorles/Packaging/Buylng House 36 Business Agent
11 Share/Stock Dealer, Broker, Portfolio Manager, MerchantBaniker 37 Yarn/Garment Wastage
12 Software/Infomation and Technology Business 38 Transport Operator
13 Ofshore/Non-Resident Corporation 39 Drug Manufacture and Distribution
14 NGO/NPO 40 Refrigeration (Cold Storage)
15 Flm Producer/Distribution Firm
41 Advertisement
16 Mobile Phone Operator/Internet or Cable TV Operator |42 Senvice Provider
43 Tobacco & Cigarettes
17 Land/House Buy-Sell Broker
18 Insurance/Brokerage Agency 44 Amusement Park/Entertainment
19 Religious Institute/Organization & Educational Institute |45| Motor Parts Trader/Workshop
20 Trust 46 Poultry/Dairy/Fishing Firm
21 Petrol Pump/CNG Station 47 Agro Business/Rice Mil/Beverage
48 Smal Business (Investment less than Tk. S0 Lac)
22 Ship Breaking
49 Computer/Mobile Phone Dealer
23 Bank/Leasing/Financng Company
24 Business (Indenting) 50 Manufacturer (Except Arms)
25 Business (Outsourcing) 51 others (Spedify) 1-5

Firm
26 Law Firm/Engineering Firm/Consultancy

Initial of Assigned Officer.. **** Initial of BOM/BRM . *************"**************"*******

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 e. Relationship Risk
Type of Applicant Risk Score Type of Applicant Risk Score
| ls/Are the Aplicant(s) PEPs/IPs/Head of International Is/Are the Applcant(s) member(s) of Family/Close Assoclates of
PEPS/IPs/Head of Internatlonal Agency(s) or High ranked Offclal(s)
Agency(s) or High ranked Offcial(s) as per BFIU Guldeline?
as per BFIU Guldeline?
No No

Yes Yes

f. Transaction related Risk g. Transparency related Risk

Yearly Average Transactions of the Applicant Risk Score Particulars Risk Score
the reliable information
Less than Tk. 10.00 lac Has/Have the Applicant(s) provided on
Source(s) of Fund?
From Tk. 10.00 lac to less than Tk. 50.00 lac
Yes
From Tk. 50.00 lac to less than Tk. 5.00 crore
Tk. S.00 crore and above
No
h. Overall Risk Assessment
tem SL. No. b d e Total Risk Rating

Score obtained
42 2 0 ITaIL
Overall Risk Rating will be 'High' for Total Risk Score> = 15 and Low' for Total Risk Score 15]
High Low

If Customer is rated High with score Lower than threshold :

Under subjective consideration and based on other risks Including Beneficial Owner, the customer is categorized into 'High Risk' though the risk score

is less than 15. The details of the assessment are . . * °*********************°*******"*************

"****"******************

***************************°'******

17. Gender Type of the Account (based on Beneficial Ownership)

Majority Share holding Women Men

Prepared by Verified & Approved by

(Assigned Officer) (Branch Manager/BAMLCO)

SIDDIQUE
MD. NURUL AMIN
Principal O f i c e r
Md. Nazmul Haque
PO& Manager Operadons (cO)
A/C Opening Dept AB Bank Limited
Lalmonirhal Branch, Lalmanirhat
A 8Bank Limited
LalmonirhafSraneh-

Approved by CAMLCO/Designate
(For PEP/IP/High ranked Official of International Agency)

a I r e &Date

18. Next KYC Review Date

Note: Next KYC 'Review Date' to be calculated on the basis of Risk Rating (High/Low or any other criteria) of the account as per Bangladesh Bank guldelines.

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