Master Circular on AML_Bangla

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evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU evsjv‡`k e¨vsK cÖavb Kvh©vjq

XvKv www.bangladeshbank.org.bd

weGdAvBBD mvK©yjvi bs-10 ZvwiL :

eë ’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZ©v evsjv‡`‡k Kvh©iZ mKj Zdwmjx e¨vsK

gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a Zdwmjx e¨vsK KZ©…K AbymiYxq weavbmg~n m¤úwK©Z gv÷vi mvKz©jvi|

gvwbjÛvwis cÖwZ‡iva AvBb, 2012 I mš¿vm we‡ivax AvBb, 2009 (2012 I 2013 mv‡ji ms‡kvabxmn) Gi D‡Ïk¨ c~iYK‡í Ges D³ AvBb I D³ AvB‡bi AvIZvq RvixK…Z wewagvjvi mswkøó weavbvejx cwicvj‡b evsjv‡`‡ki mKj Zdwmjx e¨vs‡Ki Rb¨ AbymiYxq wbgœewY©Z wb‡` ©kbvmg~n gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Gi 23(1)(N) Ges mš¿vm we‡ivax AvBb, 2009 Gi 15(1)(R) avivq cÖ`Ë ÿgZv e‡j Rvix Kiv n‡jv t

1| cwicvjb KvVv‡gvt

1.1 gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva bxwZgvjv t

gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a AvšÍR©vwZK gvb`Û, †`‡k we`¨gvb AvBb, wewagvjv I evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU (weGdAvBBD)-Gi wb‡`©kbvejxi mgš^‡q cÖwZwU e¨vs‡Ki wbR¯^ bxwZgvjv _vK‡e hv Zv‡ì cwiPvjbv cl© ev cÖ‡hvR¨ †ÿ‡Î e¨vs‡Ki m‡ev©”P eë¯’vcbv KwgwU KZ©„K Aby‡gvw`Z n‡e| D³ bxwZgvjv mswkøó mK‡ji AeMwZ‡Z Avb‡Z n‡e| e¨vsK mgq mgq bxwZgvjvwU ch©v‡jvPbv Ki‡e Ges cÖ‡qvRbxq †ÿ‡Î ms‡kvab/cwigvR ©b Ki‡e|

1.2 gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a A½xKvi †NvlYv t

e¨vs‡Ki cÖavb wbe©vnx evrmwiK wfwË‡Z e¨vs‡Ki mKj wefv‡Mi Kg©KZ©v/Kg©Pvix‡ì D‡Ï‡k¨ gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a my¯úó I Kvh©Ki A½xKvi †NvlYv Ki‡eb Ges A½xKvi ev¯Íevq‡b h_vh_ wb‡`©kbv cÖ vb Ki‡eb|

1.3 ‡K›`ªxq cwicvjb BDwbU (Central Compliance Unit) t

(1) e¨vswKs LvZ‡K gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK SzuwK n‡Z gy³ ivLvi Rb¨ Ges gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv Ges weGdAvBBD KZ©„K mgq mgq RvixK…Z wb‡ ©kbvejx h_vh_fv‡e cwicvjbv‡_©-

14 ‡cŠl, 1421 28 wW‡m¤î, 2014

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(K) cÖwZwU e¨vsK GKRb EaŸ©Zb Kg©KZ©vi †bZ…‡Z¡ cÖavb Kvh©vj‡q GKwU Ô‡K›`ªxq cwicvjb BDwbUÕ (Central Compliance Unit) cªwZôv Ki‡e hv mivmwi e¨vs‡Ki eë¯’vcbv cwiPvjK ev cÖavb wbe©vnx Kg©KZ©v KZ©„K ZË¡veavb Ki‡Z n‡e| DwjøwLZ ÔEaŸ©Zb Kg©KZ©vÕ cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v (Chief Anti Money Laundering Compliance Officer-CAMLCO) bv‡g AwfwnZ n‡eb| G‡ÿ‡Î ÔEaŸ©Zb Kg©KZ©vÕ ej‡Z e¨vs‡Ki eë ’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZ©vi bx‡Pi 2(`yB) avc ch©šÍ c`gh©v`vi Kg©KZ©vMY we‡ewPZ n‡eb| Z‡e we‡`kx e¨vs‡Ki †ÿ‡Î D³ EaŸ©Zb Kg©KZ©v‡K Aek¨B m‡ev©”P eë¯’vcbv KwgwUi (Management Committee) m`m¨ n‡Z n‡e| cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v cwiewZ©Z n‡j Awej‡¤^ wjwLZfv‡e weGdAvBBD-‡K AewnZ Ki‡Z n‡e| cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v‡K e¨vs‡Ki Ab¨ †Kvb `vwqZ¡ Ac©‡bi c~‡e© eë¯’vcbv KZ©„cÿ‡K wbwðZ n‡Z n‡e †h Gi d‡j e¨vsKwUi gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK Kvh©μg wewNœZ n‡e bv|

(L) ‡K›`ªxq cwicvjb BDwbU G Dc-cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v wn‡m‡e b~¨bZg ÔmnKvix gnveë¯’vcKÕ A_ev ÔfvBm †cÖwm‡W›UÕ A_ev mgc`gh©v`vi GK ev GKvwaK Kg©KZ©v‡K g‡bvbqb cÖ vb Kiv hv‡e|

(M) cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v I Dc-cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv, weGdAvBBD KZ©„K mgq mgq RvixK…Z wb‡`©kbvejx I GZ`&wel‡q AvšÍR©vwZK gvb`Ûmg~‡ni Dci mg¨K aviYv _vK‡Z n‡e|

(2) ‡K›`ªxq cwicvjb BDwbU b~¨bZg 5(cuvP) m`m¨ wewkó n‡Z n‡e hv cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v I Dc-c Öavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vmn e¨vs‡Ki EaŸ©Zb ch©v‡qi Kg©KZ©vM‡Yi mgš^‡q MwVZ n‡e| Zb¥‡a¨, 2(`yB) Rb m`m¨ e¨vs‡Ki ‡Rbv‡ij e¨vswKs I Bbdi‡gkb †UK‡bvjwR wefvM n‡Z g‡bvbxZ Ki‡Z n‡e| Z‡e Af¨šÍixY wbixÿv wefv‡M Kg©iZ †Kvb Kg©KZ©v ‡K›`ªxq cwicvjb BDwbU Gi m`m¨ n‡eb bv| ‡K›`ªxq cwicvjb BDwbU I Af¨šÍixY wbixÿv wefvM m¤ú~Y© c„_K `yBwU BDwbU ev wefvM wn‡m‡e gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK Kvh©μg m¤úv`b Ki‡e|

(3) gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a e¨vsK cÖvwZôvwbK †KŠkj I Kg©m~Px wba©viY Ki‡e Ges mgq mgq Zv ch©v‡jvPbv Ki‡e| ‡K›`ªxq cwicvjb BDwbU gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva Kg©m~Pxi ev¯Íevqb wbwðZ Ki‡e|

(4) †K›`ªxq cwicvjb BDwbU gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q e¨vs‡Ki M„nxZ c`‡ÿc, Gwel‡q ev¯Íevqb AMÖMwZ I mycvwik m¤wjZ cÖwZ‡e`b lvb¥vwmK wfwË‡Z (Rvbyqvwi-Ryb, RyjvB-wW‡m¤î) e¨vs‡Ki cÖavb wbe©vnxi AeMwZ I wb‡`©kbvi Rb¨ `vwLj Ki‡e| D³ cÖwZ‡e`‡b G mvKz©jv‡ii 8.3(1) G ewY©Z welqmg~nmn gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q weGdAvBBD KZ…©K †Kvb eë ’v M„nxZ n‡q _vK‡j Zv AšÍfz©³ Ki‡Z n‡e| cÖavb wbe©vnxi wb‡ ©kbv I gZvgZmn cÖwZ‡e`bwU e¨vsKwUi cwiPvjbv cl©` ev m‡e©v”P eë ’vcbv KwgwUi mfvq Dc¯’vcb Ki‡Z n‡e Ges cÖwZ‡e`bwUi GKwU Kwc mswkøó lvb¥vwmK †kl nIqvi 2(`yB) gv‡mi g‡a¨ weGdAvBBD eive‡i †cÖiY Ki‡Z n‡e|

(5) ‡K›`ªxq cwicvjb BDwbU wb‡¤œ DwjøwLZ 1.4 Aby‡”Q‡ì wb‡`©kbv †gvZv‡eK kvLv ch©v‡q cwicvjb Kg©KZ©v g‡bvbq‡bi gva¨‡g Af¨šÍixY cwiexÿY I wbqš¿Y eë¯’v cªwZôv Ki‡e| G‡ÿ‡Î wbw`©ó Kg©KZ©v‡K g‡bvbqbc~e ©K g‡bvbxZ Kg©KZ©v‡K Zuvi `vwqZ¡mg~n wjwLZfv‡e AewnZ Ki‡e|

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(6) †K›`ªxq cwicvjb BDwbU kvLvmg~‡ni Rb¨ AbymiYxq wb‡`©kbvejx Rvix Ki‡e †hLv‡b gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iv‡a †jb‡`b cwiexÿY eë ’v, Af¨šÍixY wbqš¿Y eë ’v, bxwZ I c×wZmg~n AšÍfz©³ _vK‡e|

1.4 kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v t (1) gvwbjÛvwis I mš¿vmx Kv‡h © A_©vqb cÖwZ‡iv‡a we`¨gvb AvBb, wewagvjv, weGdAvBBD Gi wb‡ ©kbvejx Ges e¨vs‡Ki wbR¯^ bxwZgvjv ev¯Íevq‡bi Rb¨ e¨vsK cÖwZwU kvLvq GKRb AwfÁ kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZv© (Branch Anti Money Laundering Compliance Officer-BAMLCO) g‡bvbxZ Ki‡e|

(2) kvLv eë¯’vcK, kvLvi wØZxq Kg©KZ©v A_ev ‡Rbv‡ij e¨vswKs G AwfÁ EaŸ©Zb Kg©KZ©v‡K kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZv© wn‡m‡e g‡bvbxZ Ki‡Z n‡e| kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv, weGdAvBBD Gi mKj wb‡ ©kbv Ges e¨vs‡Ki wbR¯^ bxwZgvjvi wel‡q mg¨K aviYv _vK‡Z n‡e| kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZv©i g‡bvbqbc‡Î Zvi Kg©©cwiwa Ges `vq `vwqZ¡ mywbw`©ófv‡e D‡jøL _vK‡Z n‡e|

(3) kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZv© kvLvi Ab¨vb¨ mswkøó ¸iæZ¡c~Y© Kg©KZ©v‡ì wb‡q ˆÎgvwmK wfwË‡Z gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK mfv Ki‡eb Ges D³ mfvq wb‡¤œv³ welqmg~nmn gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a we`¨gvb AvBb, wewagvjv Ges weGdAvBBD Gi Ab¨vb¨ wb‡`©kbvi cwicvjb ch©v‡jvPbvc~e©K h_vh_ eë¯’v MÖnY Ki‡eb t

MÖvnK cwiwPwZ (KYC) ‡jb‡`b gwbUwis m‡›`nRbK †jb‡`b ev Kvh©μg wPwýZKiY I wi‡cvwU©s ‡iKW© msiÿY cÖwkÿY

1.5 †gvevBj dvBb¨vwÝqvj mvwf©m ev G‡R›U e¨vswKs Kvh©μ‡g wb‡qvwRZ e¨vsKmg~‡ni Rb¨ KiYxq t

†h mKj e¨vsK †gvevBj dvBb¨vwÝqvj mvwf©m ev G‡R›U e¨vswKs Kvh©μ‡g wb‡qvwRZ †m mKj e¨vsK D³ Kvh©μg cwiPvjbvi †ÿ‡Î gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SuywK wbimbK‡í GKwU Kvh©Ki wbqš¿Y eë¯’v cÖwZôv Ki‡e| Z‡e, e¨vs‡Ki †Kvb mvewmwWqvixi gva¨‡g †gvevBj dvBb¨vwÝqvj mvwf©m ev G‡R›U e¨vswKs Kvh©μg cwiPvwjZ n‡j Ges D³ mvewmwWqvix gvwbjÛvwis cÖwZ‡iva AvBb, 2012 ev mš¿vm we‡ivax AvBb, 2009 Gi AvIZvq wi‡cvU© cÖ`vbKvix ms¯’v wn‡m‡e AšÍf©y³ n‡e Ges mswkøó mvewmwWqvix gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SuywK wbimbK‡í ¯Zš¿ cwicvjb KvVv‡gv I wbqš¿Y eë¯’v cÖwZôv Ki‡e| G‡ÿ‡Î e¨vsK mvewmwWqvixi cwicvjb KvVv‡gv I wbqš¿Y eë ’v wbwðZ Ki‡e|

‡gvevBj dvBb¨vwÝqvj mvwf©m I G‡R›U e¨vswKs Kvh©μ‡g wb‡qvwRZ e¨vsKmg~n KZ©„K G‡R›U ev K¨vk c‡q›U wb‡qv‡Mi †ÿ‡Î h_vh_ hvPvB/evQvB cÖwμqv (Screening Mechanism) AbymiY Ki‡Z n‡e| G‡ÿ‡Î K¨vk c‡q›U/G‡R›U KZ…©K gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb welqK Kvh©μ‡gi Rb¨ mswkøó †mev`vbKvix e¨vsKmg~‡ni Dci mgfv‡e `vqfvi eZ©v‡e|

2| MÖvnK wbe©vPb bxwZgvjv t

MÖvnK wbe©vP‡bi †ÿ‡Î cÖwZwU e¨vs‡Ki GKwU mywbw`©ó bxwZgvjv _vK‡Z n‡e| D³ bxwZgvjvq Ab¨vb¨ wel‡qi mv‡_ Avewk¨Kfv‡e wb‡gœv³ welqmg~n AšÍfz©³ _vK‡e t

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(1) ‡ebv‡g ev QÙbv‡g ev ïaygvÎ b¤îhy³ ‡Kvb MÖvn‡Ki wnmve †Lvjv hv‡e bv |

(2) Shell Bank Gi mv‡_ †Kvb ai‡Yi e¨vswKs m¤úK© ¯’vcb Kiv hv‡e bv| G‡ÿ‡Î Shell Bank ej‡Z Hme e¨vsK‡K e ySv‡e hviv †h‡`‡k wbewÜZ †m‡`‡k Zv‡ì †Kvb kvLv ev Kvh©μg ‡bB Ges †Kvb wbqwš¿Z Avw_©K MÖæc (Regulated Financial Group) Gi Awafy³ bq |

(3) RvwZms‡Ni wbivcËv cwil‡ì wewfbœ †iRyjyk‡bi AvIZvq mš¿vm I mš¿vmxKv‡h© A_©vq‡b RwoZ m‡›`‡n ZvwjKvfy³ †Kvb e¨w³ ev mËv Ges evsjv‡`k miKvi KZ©„K ZvwjKvfy³ ‡Kvb e¨w³ ev wbwl× †NvwlZ mËvi ‡Kvb wnmve †Lvjv hv‡e bv ev cwiPvjbv Kiv hv‡e bv| RvwZms‡Ni wbivcËv cwil‡ì wewfbœ †iRyjyk‡bi AvIZvq ZvwjKvfy³ e¨w³ ev mËv ej‡Z mš¿vm we‡ivax wewagvjv, 2013 Gi 2 (Q) bs wewa‡Z msÁvwqZ †iRyjyk‡bi AvIZvq ZvwjKvfz³ e¨w³ ev mËv‡K eySv‡e| GB ZvwjKvmg~n http://www.un.org/sc/committees/index.shtml ev http://www.bb.org.bd/aboutus/ dept /bfiu/sanction_list.php I‡qewjsK n‡Z msMÖn Kiv hv‡e| evsjv‡`k miKvi KZ©„K ZvwjKvfy³ ‡Kvb e¨w³ ev wbwl× †NvwlZ mËv ej‡Z mš¿vm we‡ivax AvBb, 2009 Gi 18 b¤î avivq cÖ`Ë ÿgZve‡j evsjv‡`k miKvi KZ©„K mg‡q mg‡q miKvwi †M‡RU cªÁvcb Øviv Zdwmjfz³ ‡Kvb e¨w³ ev mËv‡K eySv‡e|

(4) Awbevmx evsjv‡`kx‡ì wnmve †Lvjvi †ÿ‡Î Foreign Exchange Regulation Act, 1947 Gi weavbvejx I Gi AvIZvq evsjv‡`k e¨vsK KZ…©K RvixK…Z wb‡`©kbvmg~n AbymiYxq n‡e|

3| MÖvnK cwiwPwZ t

gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a Ges e¨vswKs LvZ‡K G welqK SzuwK n‡Z gy³ ivLvi Rb¨ MÖvnK cwiwPwZi mwVK I c~Y ©v½ Z_¨ msMÖn Ki‡Z n‡e| e¨vswKs eë¯’v hv‡Z gvwbjÛvwis ev mš¿vmx Kv‡h© A_©vq‡bi SzuwKi m¤§yLxb bv nq Zv wbwðZ Kivi Rb¨ cÖwZwU e¨vsK‡K MÖvn‡Ki h_vh_ cwiwPwZ MÖnY Ges hvPvB cÖwμqv(Know Your Customer-KYC) m¤úv`b Ki‡Z n‡e|

3.1 MÖvn‡Ki msÁv t

gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SzuwK eë¯’vcbvq MÖvnK cwiwPwZ I hvPvB cÖwμqvi ‡ÿ‡Î MÖvnK ej‡Z wb‡gœv³ e¨w³ ev mËv‡K eySv‡e t

(1) e¨vs‡Ki mv‡_ †Kvbiƒc wnmve msiÿY K‡i ev e¨vsK Gi mv‡_ †Kvbiƒc eëmvwqK m¤úK© i‡q‡Q Ggb †h †Kvb e¨w³ ev mËv;

(2) wnmve ev eëmvwqK m¤ú‡K©i cÖK…Z myweav‡fvMx (Beneficial Owner) Z…Zxq †Kvb e¨w³ ev mËv hvi c‡ÿ wnmve cwiPvwjZ nq;

(3) we`¨gvb AvBbx KvVv‡gvi AvIZvq wnmve cwiPvjbvKvix †Kvb †ckv`vi ga¨¯’ZvKvix KZ©„K cwiPvwjZ wnmve ev †jb‡`‡bi cÖK…Z myweav‡fvMx; Ges

(4) †Kvb e¨w³ ev cÖwZôvb KZ©„K GKK †jb‡`‡b msNwUZ AwaK g~‡jï wWgvÛ WÖvdU, †c-AW©vi, †UwjMÖvwdK UªvÝdvi ev cÖwZôv‡bi mybvg Ges Ab¨ ‡Kvb SzuwK m„wó Ki‡Z cv‡i Ggb Avw_©K †jb‡`‡bi †ÿ‡Î mswkøó e¨w³ ev mËv| G‡ÿ‡Î mswkøó e¨w³ ev cÖwZôv‡bi ^vfvweK †jb‡`b Gi Zzjbvq †Kvb †jb‡`b A¯^vfvweK cÖZxqgvb n‡j Zv ÔAwaK g~‡jïÕ e‡j we‡ewPZ n‡e|

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3.2 Customer Due Diligence t

(1) Customer Due Diligence (CDD) ej‡Z wbf©i‡hvM¨ I ¯^vaxb Drm n‡Z cÖvß Z_¨, DcvË I `wjjvwì wfwË‡Z MÖvn‡Ki cwiwPwZ hvPvBKiY I mbv³KiYmn wnmv‡ei †jb‡`b gwbUwis Kiv‡K eySv‡e| D‡jøL¨ †h, MÖvn‡Ki h_vh_ cwiwPwZ MÖnY Ges hvPvBKiY (KYC), CDD cÖwμqvi GKwU Ask|

(2) MÖvn‡Ki SzuwK we‡ePbvq wb¤œewY©Z wewfbœ ch©v‡q CDD m¤úv`b Ki‡Z n‡e-

(K) MÖvn‡Ki mv‡_ m¤úK© ’vc‡bi mgq;

(L) we`¨gvb MÖvn‡Ki mv‡_ Avw_©K †jb‡`b msNU‡bi mgq ;

(M) hLb m‡›`n Kivi h‡_ó KviY _vK‡e †h B‡Zvc~‡e© MÖvn‡Ki cwiwPwZi mc‡ÿ †h Z_¨ ev `wjjvw` msMÖn Kiv n‡q‡Q Zv ch©vß bq ev mwVK bq; Ges

(N) ‡Kvb †jb‡`b gvwbjÛvwis ev mš¿vmx Kv‡h© A_©vq‡bi mv‡_ RwoZ Giƒc m‡›`n n‡j|

(3) MÖvn‡Ki cwiwPwZ Ges e¨vs‡Ki mv‡_ m¤úK© ’vc‡bi AšÍwb©wnZ D‡Ïk¨ m¤ú‡K© wbwðZ nIqvi Rb¨ cÖ‡Z¨K e¨vsK Zv‡ì mš‘wó mv‡c‡ÿ ch©vß Z_¨ msMÖn Ki‡e| Òe¨vs‡Ki mš‘wó mv‡c‡ÿÓ ej‡Z we`¨gvb wb‡`©kbvi Av‡jv‡K MÖvn‡Ki SuzwK we‡ePbvq wb‡q cÖ‡qvRbxq Z_¨, DcvË I `wjjvw` msMÖnc~e©K CDD m¤úbœ Kiv n‡q‡Q g‡g© h_vh_ KZ©„cÿ‡K mš‘ó Kiv‡K eySv‡e|

(4) hw` MÖvn‡Ki c‡ÿ Ab¨ †Kvb e¨w³ wnmve cwiPvjbv K‡i †m‡ÿ‡Î D³ e¨w³ h_vh_fv‡e ÿgZvcÖvß wKbv Zv wbwðZ n‡q Zvi cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn Ki‡Z n‡e |

(5) Uªvw÷ I †ckv`vi ga¨ ’ZvKvix KZ©„K MÖvn‡Ki c‡ÿ cwiPvwjZ wnmv‡ei †ÿ‡Î Zv‡ì AvBbMZ Ae ’vb ch©v‡jvPbv I Zvi h_v_©Zv wbiƒcYc~e©K mswkøó mK‡ji cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn Ki‡Z n‡e |

(6) †hme †`k gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡ai AvšÍR©vwZK gvb c~iY K‡iwb ev Zvrch©c~Y© NvUwZ i‡q‡Q (‡hgb t dvBb¨vwÝqvj A¨vKkb Uv¯‹‡dv‡m©i cvewjK WKz‡g‡›U High Risk and Non-Cooperative Jurisdictions wn‡m‡e ZvwjKvfy³ †`k) †mme †`‡ki †Kvb e¨w³ ev mËvi (AvBbMZ cÖwZwbwa, Avw_©K cÖwZôvbmn †h †Kvb cÖwZôvb) mv‡_ eëmvwqK m¤úK© ¯’vcb I eRvq ivLv Ges †jb‡`b m¤úv`‡bi ‡ÿ‡Î AwaKZi mZK©Zvg~jK Enhanced Due Diligence m¤úbœ Ki‡Z n‡e|

(7) wnmv‡ei cÖK„Z myweav‡fvMx (Beneficial Owner) mbv³KiYc~e©K e¨vs‡Ki mš‘wó mv‡c‡ÿ wbf©i‡hvM¨ m~Î n‡Z msM„nxZ Z‡_ï wfwË‡Z wb‡¤œv³ †ÿ‡Î cwiwPwZ wbwðZ Ki‡Z n‡e t

(K) hw` ‡Kvb MÖvnK Ab¨ ‡Kvb e¨w³i c‡ÿ wnmve cwiPvjbv K‡i, ‡m †ÿ‡Î MÖvnK QvovI D³ e¨w³i cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki‡Z n‡e;

(L) hw` †Kvb e¨w³ †Kvb MÖvnK‡K wbqš¿Y K‡i †m †ÿ‡Î D³ e¨w³i cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki‡Z n‡e; Ges

(M) ‡Kv¤úvbxi †ÿ‡Î wbqš¿YKvix †kqvi †nvìvi A_ev 20% ev Z ~aŸ© GKK †kqvi †nvìvi‡K wnmv‡ei cÖK„Z myweav‡fvMx we‡ePbvq Zvi/Zv‡ì cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki‡Z n‡e|

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3.3 Customer Due Diligence m¤úv`b Kiv m¤¢e bv n‡j e¨vs‡Ki KiYxq t

MÖvn‡Ki Amn‡hvwMZvc~Y© AvPi‡Yi Kvi‡Y A_ev MÖvn‡Ki wel‡q msM„nxZ Z_¨/DcvË wbf©i‡hvM¨ bv n‡j A_©vr MÖvnK cwiwPwZi m‡šÍvlRbK Z_¨ cÖvwß Ges Zv hvPvB mv‡c‡ÿ CDD m¤úv`b Kiv m¤¢e bv n‡j e¨vsK wb¤œiƒc eë ’v MÖnY Ki‡et

(1) e¨vsK D³iƒc MÖvn‡Ki wnmve Lyj‡e bv A_ev cÖ‡qvR‡b we`¨gvb wnmve eÜ K‡i w`‡e|

(2) we`¨gvb Giƒc wnmve eÜ Kivi ‡ÿ‡Î EaŸ©Zb KZ©„c‡ÿi Aby‡gv`b MÖnY Ki‡Z n‡e Ges wnmve eÜ Kivi c~‡e© wnmve eÜKi‡Yi KviY e¨vL¨vc~e©K MÖvnK‡K †bvwUk cÖ`vb Ki‡Z n‡e |

(3) †ÿÎgZ Giƒc MÖvn‡Ki wel‡q m‡›`nRbK †jb‡`b wi‡cvU© `vwLj Ki‡Z n‡e|

3.4 MÖvn‡Ki wnmve cwiPvjbv msμvšÍ wbqgvejx t

(1) cÖwZwU e¨vsK MÖvn‡Ki wnmve †Lvjvi †ÿ‡Î cwiwkó ÔKÕ G mshy³ wnmve †Lvjvi di‡gi Av‡jv‡K cÖYxZ wbR¯^ dig eënvi Ki‡e| MÖvnK cwiwPwZ Ges Customer Due diligence (CDD) h_vh_fv‡e m¤úv`b Kivi Rb¨ D³ wnmve †Lvjvi dig eënvic~e©K cÖ‡Z¨K e¨vsK Zvi MÖvn‡Ki cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn Ki‡e Ges MÖvn‡Ki SuywK we‡ePbvq 3.2 Aby‡”Q‡` DwjøwLZ CDD m¤úbœ Kivi wbw`©ó mg‡qi g‡a¨ msM„nxZ Z‡_ï mwVKZv hvPvBmn CDD m¤úv`bc~e©K Z_¨ I `wjjvw` msiÿY Ki‡e| G‡ÿ‡Î e¨vsK †Kvbμ‡gB cwiwkó ÔKÕ G mshy³ wnmve †Lvjvi di‡g DwjøwLZ Z‡_ï Kg Z_¨ msMÖn Ki‡e bv| Z‡e cÖ‡Z¨K e¨vsK h_vh_fv‡e MÖvn‡Ki cwiwPwZ I CDD m¤úv`b Kivi D‡Ï‡k¨ e¨vs‡Ki mš‘wó mv‡c‡ÿ D³ di‡g ewY©Z Z‡_ï AwZwi³ Z_¨ msMÖn Ki‡Z cvi‡e| Ôe¨vs‡Ki mš‘wó mv‡c‡ÿÕ Gi e¨vL¨v 3.2 (3) Aby‡”Q‡` cÖ vb Kiv n‡q‡Q|

(2) GKB e¨vs‡K GKB MÖvn‡Ki GKvwaK wnmve cwiPvwjZ n‡j MÖvnK cwiwPwZi cybive„wË cwinvi I †jb‡`b gwbUwis Gi myweav‡_© e¨vsK D³ MÖvn‡Ki Rb¨ GKwU Unique Customer Identification Code (UCIC) eivÏ Ki‡e| D³ UCIC MÖvnK‡K wPwýZ Ki‡Z mvnvh¨ Ki‡e, wbw`©ó MÖvnK†K e¨vsK KZ©„K Kx Kx †mev cÖ`vb Kiv n‡”Q Zv wPwýZ (track) Ki‡Z mvnvh¨ Ki‡e Ges c~Y©v½fv‡e Avw_©K †jb‡`b gwbUwis-Gi †ÿ‡Î mnvqZv Ki‡e|

(3) Walk-in Customer A_©vr wnmveavix MÖvnK e¨ZxZ Ab¨ Kv‡iv Aby‡iv‡a wUwU, GgwUi gva¨‡g A_© †cÖi‡Yi †ÿ‡Î A_© †cÖiYKvix Ges cÖvc‡Ki c~Y©v½ I mwVK Z_¨, A_© †cÖi‡Yi D‡Ïk¨ Ges A‡_©i Dr‡mi Z_¨ msiÿY Ki‡Z n‡e| Walk-in Customer Gi Aby‡iv‡a wWwW ev †c-AW©vi Bmÿi †ÿ‡ÎI Av‡e`bKvix I †ewbwdwmqvixi c~Y©v½ I mwVK Z_¨, A_© †cÖi‡Yi D‡Ïk¨ Ges A‡_©i Dr‡mi Z_¨ msiÿY Ki‡Z n‡e|

Òc~Y©v½ (complete)Ó ej‡Z †cÖiYKvix/Av‡e`bKvix Ges cÖvcK/‡ewbwdwmqvixi cwiwPwZ hvPvBK‡í cÖ‡qvRbxq mKj Z‡_ï mwbœ‡ek‡K eySv‡e| D`vniY¯îƒct †cÖiYKvix/Av‡e`bKvix Ges cÖvcK/‡ewbwdwmqvixi bvg I we¯ÍvwiZ wVKvbv, e¨vsK wnmve b¤î (hw` _v‡K), cvm‡cvU©/RvZxq cwiPqcÎ/Rb¥ wbeÜb mb`/MÖnY‡hvM¨ cwiwPwZg~jK Qwehy³ AvBwW KvW©, ‡dvb/‡gvevBj b¤î BZ¨vw`| ÒmwVK (Accurate)Ó ej‡Z c~Y©v½ Giƒc Z_¨‡K eySv‡e hvi mwVKZv hvPvB Kiv n‡q‡Q|

Walk-in Customer Gi †ÿ‡Î $ 5,000/-(cuvP nvRvi) ev Gi bx‡Pi As‡Ki †jb‡`‡bi †ÿ‡Î †cÖiYKvix/Av‡e`bKvix I cÖvcK/‡ewbwdwmqvixi bvg I wVKvbv Ges †cÖiYKvix/Av‡e`bKvixi †Uwj‡dvb b¤î msMÖn Ki‡Z n‡e|

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(4) wnmveavix Mªvn‡Ki Aby‡iv‡a WªvdU/†c AW©vi Bmyï †ÿ‡ÎI cÖvc‡Ki c~Y©v½ I mwVK Z_¨ (3 b¤î Aby‡”Q‡` ewY©Z msÁv Abyhvqx), A_© †cÖi‡Yi D‡Ïk¨ Ges A‡_©i Dr‡mi Z_¨ msiÿY Ki‡Z n‡e|

(5) AbjvBb Rgv ev D‡Ëvj‡bi †ÿ‡Î MÖvnK e¨ZxZ Ab¨ RgvKvix ev D‡ËvjbKvixi mwVK I c~Y©vsM Z_¨ (3 b¤i Aby‡”Q‡` ewY©Z msÁv Abyhvqx) msiÿY Ki‡Z n‡e| GQvov AbjvBb Rgvi †ÿ‡Î A‡_©i Dr‡mi Z_¨ msiÿY Ki‡Z n‡e|

(6) mKj K‡c©v‡iU/ †cÖvcÖvBUikxc cÖwZôv‡bi GK jÿ I Z ~aŸ© g~j¨gv‡bi Ges e¨w³ wnmv‡ei cuvP jÿ I Z`~aŸ© g~j¨gv‡bi †PK cwi‡kv‡ai †ÿ‡Î evsjv‡`k e¨vs‡Ki wb‡`©kbv Abyhvqx ÒMÖvnK m¤§wZcÎÓ (Positive Pay Instruction) Avewk¨Kfv‡e MÖnY Ges G msμvšÍ †iKW© msiÿY Ki‡Z n‡e|

(7) e¨vsK Mªvn‡Ki wnmv‡ei †jb‡`‡bi AbywgZ gvÎv (Transaction Profile) m¤ú‡K© MÖvn‡Ki †NvlYv wba©vwiZ di‡g msMÖn Ki‡e| MÖvn‡Ki cÖK…wZ, wnmv‡ei A‡_©i Drm I †jb‡`‡bi aiY ch©v‡jvPbvc~e©K eëmvwqK m¤úK© ’vc‡bi 6(Qq) gv‡mi g‡a¨ MªvnK KZ©„K m¤úvw`Z †jb‡`b ch©v‡jvPbvc~e©K ‡hŠw³K we‡ePbvq Zvi h_v_©Zv wbiƒcYKiZt cÖ‡qvRbxq ms‡kvabx mv‡c‡ÿ †jb‡`‡bi AbywgZ gvÎv MÖvn‡Ki wbKU n‡Z cybivq MÖnYc~e©K msiÿY Ki‡e|

(8) cÖwZwU e¨vsK wbw`©ó mgq AšÍi AšÍi MÖvn‡Ki cwiwPwZg~jK Z_¨ (KYC) nvjbvMv`Ki‡Yi †ÿ‡Î cÖ‡qvRbxq eë¯’v MÖnY Ki‡e| wb¤œ SuywK m¤úbœ MÖvn‡Ki †ÿ‡Î Giƒc cÖwμqv cÖwZ yB eQi AšÍi AšÍi m¤úbœ Ki‡Z n‡e| GQvov, D”P SuywK m¤úbœ MÖvn‡Ki †ÿ‡Î Giƒc cÖwμqv GK eQi ci ci m¤úbœ Ki‡Z n‡e| Z‡e MÖvn‡Ki cwiwPwZg~jK Z‡_ï †h †Kvb cwieZ©b AeMZ nIqvi mv‡_ mv‡_B Zv nvjbvMv` Ki‡Z n‡e| GQvov wbw`©ó †Kvb cÖ‡qvRb Abyf~Z n‡j †h †Kvb mg‡qB MÖvn‡Ki cwiwPwZg~jK Z_¨ nvjbvMv` Ki‡Z n‡e| nvjbvMv`K…Z Z‡_ï wfwË‡Z cybivq Awej‡¤^ Gme wnmv‡ei SuywK wbY©q Ki‡Z n‡e|

(9) GwcÖj 30, 2002 Zvwi‡Li c~‡e© †Lvjv †h mKj wnmv‡ei KYC cÖwμqv m¤úbœ Kiv m¤¢e nqwb †m mKj wnmve ÔmyßÕ (Dormant) wn‡m‡e wPwýZ n‡e| myß wn‡m‡e wPwýZ G mKj wnmv‡e ïaygvÎ A_© Rgv Kiv hv‡e wKš‘ D‡Ëvjb Kiv hv‡e bv| Z‡e MªvnK KZ©„K kvLv eë¯’vc‡Ki wbKU wjwLZ Av‡e`‡bi †cÖwÿ‡Z e¨vsK D³ Mªvn‡Ki KYC cÖwμqv m¤úbœ Ki‡j MÖvnK wnmvewU‡Z ¯vfvweK †jb‡`b m¤úv`b Ki‡Z cvi‡eb| †K›`ªxq cwicvjb BDwbU Giƒc myß wnmv‡ei Z_¨ msiÿY Ki‡e|

3.5 mkix‡i Abycw¯’Z ev `~ieZ©x M ªvn‡Ki ( Non face to face customer) †ÿ‡Î KiYxq t e¨vsK Zv‡ì mkix‡i Abycw¯’Z ev ~ieZ©x MÖvnK‡K †mev cÖ`v‡bi †ÿ‡Î gvwbjÛvwis I mš¿vmx Kv‡h© A_©vq‡bi SzuwK wbiƒcY Ges SzuwK wbim‡bi bxwZ I c×wZ cÖYqb Ki‡e Ges mgq mgq Zv ch©v‡jvPbv Ki‡e|

mkix‡i Abycw¯’Z ev ~ieZ©x MÖvnK ej‡Z H mKj MÖvnK‡K eySv‡e hviv e¨vsK kvLvq mkix‡i Dcw¯’Z bv n‡q e¨vs‡Ki G‡R‡›Ui gva¨‡g ev wb‡Ri ‡ckv`vi cÖwZwbwai (AvBbRxex, GKvD›U¨v›U BZ¨vw`) gva¨‡g wnmve Ly‡j _v‡K Ges cwiPvjbv K‡i _v‡K|

3.6 bZzb ‡mev ev cÖhyw³ MÖn‡Yi †ÿ‡Î KiYxq t

e¨vsK KZ©„K cÖhyw³ wbf©i bZzb †Kvb ‡mev ev c×wZ (†hgb, B›Uvi‡bU e¨vswKs, B‡jKUªwbK KvW© BZ¨vw`) cÖPjb ev cÖPwjZ †mev ev c×wZi Dbœq‡bi †ÿ‡Î mswkøó e¨vsK D³ ‡mev ev c×wZi gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SzuwK wPwýZ Ki‡e, Zvi gvÎv wbiƒcY Ki‡e Ges Giƒc ‡mev ev c×wZ n‡Z m„ó SuywK †gvKv‡ejvi Rb¨ h_vh_ eë¯’v MªnY Ki‡e|

8

3.7 Politically Exposed Persons (PEPs) Gi †ÿ‡Î KiYxq t

Politically Exposed Persons (PEPs) Gi wnmve ‡Lvjv I wnmve cwiPvjbvi †ÿ‡Î G mvK©yjv‡ii 3.2 b¤î Aby‡”Q‡` ewY©Z wb‡` ©kbv Abymi‡Yi cvkvcvwk wb‡gœi wb‡ ©kbvmg~n AbymiY Ki‡Z n‡e t

K) e¨vsK‡K Zv‡ì MÖvnK ev wnmv‡ei cÖK…Z myweav‡fvMx PEPs wKbv Zv wbav©iY Kivi Rb¨ SuywK eë¯’vcbv c×wZ MÖnY Ki‡Z n‡e;

L) e¨vs‡Ki Dchy³ EaŸ©Zb KZ©„c‡ÿi Aby‡gv`b mv‡c‡ÿ Zv‡ì mv‡_ eëmvwqK m¤úK© ¯’vcb Ki‡Z n‡e;

M) ‡Kvb PEP Gi wnmv‡ei A_© ev m¤ú‡ì Drm Rvbvi Rb¨ h‡_vchy³ eë ’v MÖnY Ki‡Z n‡e;

N) Zv‡ì wnmv‡ei †jb‡`b wbqwgZfv‡e gwbUi Ki‡Z n‡e; Ges

O) Foreign Exchange Regulation Act, 1947 I Gi AvIZvq evsjv‡`k e¨vsK KZ©„K RvixK…Z Awbevmx‡ì wnmve †Lvjv msμvšÍ hveZxq wewaweavb h_vixwZ cwicvjb Ki‡Z n‡e|

Politically Exposed Persons (PEPs) ej‡Z Òindividuals who are or have been entrusted with prominent public functions by a foreign country, for example Heads of State or of government, senior politicians, senior government, judicial or military officials, senior executives of state owned corporations, important political party officialsÓ ‡K eySv‡e|

PEPs Gi cwiev‡ii m`m¨ I Zv‡ì mv‡_ wbweofv‡e m¤úwK©Z e¨w³i (close associates) ‡ÿ‡ÎI Dc‡iv³ wb‡`©kbvmg~n cÖ‡hvR¨ n‡e|

G Aby‡”Q‡` DwjøwLZ ÔPEPsÕ wn‡m‡e †Kvb ga¨g ev Aa Íb (Middle ranking or more junior individuals) ch©v‡qi e¨w³ we‡ewPZ n‡eb bv|

3.8 cÖfvekvjx e¨w³i †ÿ‡Î KiYxq t

e¨vsK‡K Zv‡ì MÖvnK ev wnmv‡ei cÖK…Z myweav‡fvMx cÖfvekvjx †Kvb e¨w³ wKbv Zv wba©viY Ki‡Z n‡e| G ai‡Yi MÖvn‡Ki mv‡_ e¨vswKs m¤úK© SuywKc~Y© cÖZxqgvb n‡j Aby‡”Q` 3.7 Gi L n‡Z N μwg‡K ewY©Z wb‡`©kbv cwicvjb Ki‡Z n‡e|

cÖfvekvjx e¨w³ ej‡Z Òindividuals who are or have been entrusted domestically with prominent public functions, for example Head of State or of government, senior politicians, senior government, judicial or military officials, senior executives of state owned corporations, important political party officialsÓ ‡K eySv‡e|

cÖfvekvjx †Kvb e¨w³i †ÿ‡Î cÖ‡hvR¨ wb‡`©kbv Zv‡ì cwiev‡ii m`m¨ I Zv‡ì mv‡_ wbweofv‡e m¤úwK©Z e¨w³i (close associates) ‡ÿ‡ÎI cÖ‡hvR¨ n‡e|

G Aby‡”Q‡` DwjøwLZ ÔcÖfvekvjx e¨w³Õ wn‡m‡e †Kvb ga¨g ev Aa Íb (Middle ranking or more junior individuals) ch©v‡qi e¨w³ we‡ewPZ n‡eb bv|

3.9 AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi †ÿ‡Î KiYxq t

e¨vsK‡K Zv‡ì MÖvnK ev wnmv‡ei cÖK…Z myweav‡fvMx †Kvb AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©v wKbv Zv wba©viY Ki‡Z n‡e| Gai‡Yi MÖvn‡Ki mv‡_ e¨vswKs m¤úK© SuywKc~Y© cÖZxqgvb n‡j Aby‡”Q` 3.7 Gi L n‡Z N Ges cÖ‡hvR¨ †ÿ‡Î O μwg‡K ewY©Z wb‡`©kbv cwicvjb Ki‡Z n‡e|

9

AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©v ej‡Z Òpersons who are or have been entrusted with a prominent function by an international organization refers to members of senior management, i.e. directors, deputy directors and members of the board or equivalent functionsÓ ‡K eySv‡e|

AvšÍR©vwZK ms ’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi †ÿ‡Î cÖ‡hvR¨ wb‡`©kbv Zv‡ì cwiev‡ii m`m¨ I Zv‡ì mv‡_ wbweofv‡e m¤úwK©Z e¨w³i (close associates) ‡ÿ‡ÎI cÖ‡hvR¨ n‡e|

G Aby‡”Q‡` DwjøwLZ ÔAvšÍR©vwZK ms ’vi cÖavbÕ ev ÔD”P ch©v‡qi Kg©KZ©vÕ wn‡m‡e †Kvb ga¨g ev Aa Íb (Middle ranking or more junior individuals) ch©v‡qi e¨w³ we‡ewPZ n‡eb bv|

3.10 K‡imc‡Û›U e¨vswKs (Correspondent Banking) Gi †ÿ‡Î KiYxq t

e¨vswKs eë¯’v hv‡Z gvwbjÛvwis ev mš¿vmx Kv‡h© A_©vq‡b eëüZ n‡Z bv cv‡i †mRb¨ AvšÍt‡`kxq K‡imc‡Û›U e¨vswKs (Cross Border Correspondent Banking) m¤úK© ¯’vcb Ges Zv Ae¨vnZ ivLvi †ÿ‡Î wb‡gœi wb‡`©kbvmg~n Avewk¨Kfv‡e cwicvjbxq n‡e t

(1) K‡imc‡Û›U e¨vswKs ‡mev cÖ`v‡bi c~‡e© cwiwkó ÔLÕ †gvZv‡eK Z_¨vw` msMÖnc~e©K K‡imc‡Û›U ev †imc‡Û›U e¨vs‡Ki eëmv†qi cÖK…wZ m¤ú‡K© wbwðZ n‡q EaŸ©Zb eë ’vcbv KZ©„c‡ÿi Aby‡gv`b MÖnY Ki‡Z n‡e|

(2) K‡imc‡Û›U ev †imc‡Û›U e¨vsKwU mswkøó wbqš¿YKvix KZ©„cÿ KZ ©„K Kvh©Kifv‡e Z`viK Kiv nq, G e¨vcv‡i mš‘wó mv‡c‡ÿB †KejgvÎ †Kvb we‡`kx e¨vs‡Ki mv‡_ K‡imc‡Û›U e¨vswKs m¤úK© ’vcb Kiv hv‡e ev eRvq ivLv hv‡e|

(3) †Kvb Shell Bank Gi mv‡_ K‡imc‡Û›U e¨vswKs m¤úK© ’vcb Kiv hv‡e bv ev eRvq ivLv hv‡e bv |

(4) †h me K‡imc‡Û›U ev †imc‡Û›U e¨vsK Shell Bank Gi mv‡_ K‡imc‡Û›U e¨vswKs m¤úK© ¯’vcb K‡i ev wnmve msiÿY K‡i ev †mev cÖ`vb K‡i Zv‡ì mv‡_ K‡imc‡Û›U e¨vswKs m¤úK© ’vcb Kiv hv‡e bv ev eRvq ivLv hv‡e bv| Shell Bank ej‡Z G mvK©yjv‡ii 2(2) Aby‡”Q‡` msÁvwqZ e¨vsK‡K eySv‡e|

(5) †hme †`k gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡ai AvšÍR©vwZK gvb c~iY K‡iwb ev Zvrch©c~Y© NvUwZ i‡q‡Q (‡hgb t dvBb¨vwÝqvj A¨vKkb Uv¯‹‡dv‡m©i cvewjK WKz‡g‡›U High Risk and Non-Cooperative Jurisdictions wn‡m‡e ZvwjKvfy³ †`k) †mme †`‡ki e¨vs‡Ki mv‡_ K‡imc‡Û›U e¨vswKs m¤úK© ’vcb ev eRvq ivLvi e¨vcv‡i we‡kl mZK©Zv ev Enhanced Due Diligence Aej¤^b Ki‡Z n‡e| Gme e¨vs‡Ki Beneficial Ownership Ges gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a Zv‡ì bxwZ I c×wZ m¤ú‡K© we¯ÍvwiZ Z_¨ msMÖn Ki‡Z n‡e |

(6) †h mKj †imc‡Û›U e¨vsK Zv‡ì MÖvnK‡ì‡K eëmv msμvšÍ †jb‡`b mivmwi m¤úv`b Kivi my‡hvM cÖ`vb K‡i _v‡K (A_©vr Payable through accounts) Zv‡ì ‡ÿ‡Î wb‡¤œv³ eë¯’v MÖnY Ki‡Z n‡e t

(K) †imc‡Û›U e¨vsK KZ©„K h_vh_fv‡e MÖvn‡Ki CDD m¤úv`b Ki‡Z n‡e;

(L) K‡imc‡ÛU e¨vs‡Ki Aby‡iv‡ai †cÖwÿ‡Z †imc‡Û›U e¨vsK KZ©„K mswkøó MÖvn‡Ki CDD welqK Z_¨vw` mieivn Kiv m¤¢e n‡e G welqwU wbwðZ n‡Z n‡e|

GLv‡b ÒPayable through accountsÓ ej‡Z ÒCorrespondent accounts that are used directly by third parties to transact business on their own behalfÓ eySv‡e|

10

(7) G mvKz©jv‡i ewY©Z wb‡`©kbvejx we`¨gvb mKj K‡imc‡Û›U e¨vswKs m¤ú‡K©i †ÿ‡ÎI cÖ‡hvR¨ n‡e Ges GB wb‡`©kbvi Av‡jv‡K we`¨gvb K‡imc‡Û›U e¨vswKs m¤úK©mg~n cybtg~j¨vqb Ki‡Z n‡e|

AvšÍt‡`kxq K‡imc‡Û›U e¨vswKs ej‡Z ‡h †Kvb GK e¨vsK (K‡imc‡Û›U) KZ©„K Ab¨ e¨vsK‡K (†imc‡Û›U) e¨vswKs †mev cÖ`vb‡K eySv‡e| Giƒc e¨vswKs †mev ej‡Z †μwWU, wW‡cvwRU, Kv‡jKkb, wK¬qvwis, †c‡g›U, K¨vk g¨v‡bR‡g›U, AvšÍR©vwZK Aq¨vi UªvÝdvi, wWgvÛ WªvdU& Gi Rb¨ Wªwqs A¨v‡iÄ‡g›U ev Abyiƒc Ab¨ †Kvb †mev cÖ`vb‡K eySv‡e|

4| we‡`‡k Aew¯’Z e¨vsK kvLv I mvewmwWqvix cÖwZôvb Gi †ÿ‡Î KiYxq t

(1) cÖwZwU e¨vsK we‡`‡k Aew¯’Z Zv‡ì kvLv Ges mvewmwWqvix cÖwZôv‡bi †ÿ‡Î gvwbjÛvwis cÖwZ‡iva AvBb, 2012, mš¿vm we‡ivax AvBb, 2009 I D³ AvB‡bi AvIZvq RvixK…Z wewagvjvq ewY©Z weavbvejx Ges weGdAvBBD KZ©„K mgq mgq RvixK…Z wb‡ ©kbvejxi h_vh_ cwicvjb wbwðZ Ki‡e|

(2) we‡`‡k Aew¯’Z kvLv ev mvewmwWqvix cÖwZôvb hw` †Kvb Kvi‡Y gvwbjÛvwis cÖwZ‡iva AvBb, 2012, mš¿vm we‡ivax AvBb, 2009 I D³ AvB‡bi AvIZvq RvixK…Z wewagvjvq ewY©Z weavbvejx Ges weGdAvBBD KZ©„K mgq mgq RvixK…Z wb‡`©kbvejx h_vh_fv‡e cwicvj‡b Amg_© nq Z‡e Zvi KviY Awej†¤^ weGdAvBBD‡K AewnZ Ki‡Z n‡e|

5| ‡jb‡`b gwbUwis t

(1) cÖwZwU e¨vsK Mªvn‡Ki †jb‡`b wbqwgZ gwbUi Ki‡e|

(2) mKj RwUj, ¯^vfvwe‡Ki Zzjbvq AmvgÄm¨c~Y© Ges AvcvZ „wó‡Z †h mKj †jb‡`‡bi ‡Kvb Avw_©K ev `„wóMÖvn¨ êa D‡Ïk¨ †bB Giƒc †jb‡`b AwaKZi ¸iæZ¡ mnKv‡i gwbUi Ki‡Z n‡e |

(3) wbw ©ó mgq AšÍi AšÍi wnmv‡ei SzuwK ch©v‡jvPbv Kivi Rb¨ GKwU Kvh©Ki eë¯’v MªnY Ki‡Z n‡e Ges †m Abyhvqx D”P SuywKm¤úbœ wn‡m‡e †kÖYxK…Z wnmv‡ei †ÿ‡Î we‡kl mZK©Zv ev Enhanced Due Diligence (EDD) Aej¤^b Ki‡Z n‡e|

6| bM` †jb‡`b wi‡cvU© (Cash Transaction Report-CTR) t

(1) cÖwZwU e¨vsK kvLvmg~‡ni c~e©eZ©x gv‡mi ˆ`bw›`b †jb‡`b cixÿv K‡i †Kvb GKwU wnmv‡e †Kvb GKwU wbw`©ó w`‡b GK ev GKvwaK †jb‡`‡bi gva¨‡g Rgv ev D‡Ëvj‡bi (AbjvBb, GwUGgmn ‡h †Kvb ai‡Yi bM` Rgv ev D‡Ëvjb) cwigvY hw` 10(`k) jÿ UvKv ev Z ~aŸ© A‡_©i ev mgg~‡jï ê‡`wkK gy`ªvq nq Z‡e Zv ^ ^ †K›`ªxq cwicvjb BDwbU Gi gva¨‡g gvwmK wfwË‡Z weGdAvBBD eive‡i bM` †jb‡`b wi‡cvU© wn‡m‡e `vwLj Ki‡e|

(2) e¨vs‡Ki †Kvb kvLvq Giƒc †Kvb †jb‡`b msNwUZ bv n‡j kvLv n‡Z ÒbM` †jb‡`b wi‡cvU© †hvM¨ †Kvb †jb‡`b †bBÓ g‡g© ‡K›`ªxq cwicvjb BDwbU‡K AewnZ Ki‡Z n‡e| †K›`ªxq cwicvjb BDwbU GmKj kvLvi GKwU ZvwjKv weGdAvBBD G ÒbM` †jb‡`b wi‡cvU©Ó `vwL‡ji mgq Zvi mv‡_ mshy³ Ki‡e|

(3) kvLv n‡Z bM` †jb‡`b wi‡cvU© `vwLj Kivi c~‡e© ‡jb‡`bmg~n ch©v‡jvPbv K‡i †Kvb m‡›`nRbK †jb‡`b msNwUZ n‡q‡Q wKbv Zv wPwýZ Ki‡Z n‡e I m‡›`nRbK †jb‡`b cwijwÿZ n‡j c„_Kfv‡e Òm‡›`nRbK †jb‡`b wi‡cvU©Ó wn‡m‡e †K›`ªxq cwicvjb BDwbU G `vwLj Ki‡Z n‡e| m‡›`nRbK †jb‡`b cwijwÿZ bv n‡j bM` †jb‡`b wi‡cv‡U©i mv‡_ Òm‡›`nRbK †jb‡`b cvIqv hvqwbÓ g‡g© ‡K›`ªxq cwicvjb BDwbU‡K AewnZ Ki‡Z n‡e|

(4) cÖ‡Z¨K e¨vsK kvLvi bM` †jb‡`b wi‡cvU© gvwmK wfwË‡Z mswkøó kvLvq msiÿY Ki‡Z n‡e|

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(5) ‡K›`ªxq cwicvjb BDwbU e¨vs‡Ki bM` †jb‡`b wi‡cvU©‡hvM¨ mKj ‡jb‡`b ch©v‡jvPbv K‡i †Kvb m‡›`nRbK †jb‡`b msNwUZ n‡q‡Q wKbv Zv wPwýZ Ki‡e I m‡›`nRbK †jb‡`b cwijwÿZ n‡j c„_Kfv‡e Òm‡›`nRbK †jb‡`b wi‡cvU©Ó wn‡m‡e weGdAvBBD eivei `vwLj Ki‡e| m‡›`nRbK †jb‡`b cwijwÿZ bv n‡j Òm‡›`nRbK †jb‡`b cvIqv hvqwbÓ g‡g© cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v n‡Z cÖZ¨qb cÎ MÖnYKiZt gvwmK bM` †jb‡`b wi‡cv‡U©i mv‡_ mshy³ Ki‡Z n‡e|

(6) cÖwZ gv‡mi bM` †jb‡`b wi‡cvU © cieZx© gv‡mi 21 Zvwi‡Li g‡a¨ goAML web eënvi K‡i goAML Manual Gi wb‡`©kbv ‡gvZv‡eK `vwLj Kivi cvkvcvwk MZ 16 †deªæqvwi, 2006 Zvwi‡L RvwiK…Z GGgGj mvKz©jvi bs -10 Gi gva¨‡g mieivnK…Z dig †gvZv‡eK mdU Kwc (CD/DVD) weGdAvBBD eivei `vwLj Ki‡Z n‡e|

(7) http://www.bb.org.bd/eservices.php I‡qewjsK n‡Z goAML mswkøó cÖ‡qvRbxq Document WvDb‡jvW Kiv hv‡e |

(8) goAML web eënvi K‡i bM` †jb‡`b wi‡cvU © `vwL‡ji †¶‡Î kvLvIqvix †jb‡`b msL¨vi GKwU ZvwjKv wi‡cvU© Gi mv‡_ mshyw³ AvKv‡i `vwLj Ki‡Z n‡e|

(9) miKvix wnmve (wewfbœ gš¿Yvjq, wefvMmn), miKvix gvwjKvbvaxb cÖwZôvb, Avav miKvix ev ¯^vqËkvwmZ cÖwZôv†bi wnmv‡e bM` Rgvi †ÿ‡Î bM` †jb‡`b wi‡cvU© `vwLj Kivi cÖ‡qvRb n‡e bv, Z‡e bM` D‡Ëvj‡bi †ÿ‡Î h_vwbq‡g bM` †jb‡`b wi‡cvU© `vwLj Ki‡Z n‡e|

(10) AvšÍte¨vsK Ges AvšÍtkvLv bM` †jb‡`‡bi †ÿ‡Î ÔbM` †jb‡`b wi‡cvU© Õ `vwLj Kivi cÖ‡qvRb n‡e bv|

(11) mswkøó gv‡m wi‡cvU©‡hvM¨ bM` †jb‡`b msNwUZ bv n‡j ÒbM` †jb‡`b wi‡cvU© cvIqv hvqwbÓ g‡g© cÖZ¨qbcÎ goAML Web Gi Message Board Gi gva¨‡g weGdAvBBD‡K AewnZ Ki‡Z n‡e|

(12) e¨vsKmg~n bM` †jb‡`b wi‡cvU© Gi Z_¨vw` weGdAvBBD G `vwL‡ji gvm n‡Z Kgc‡ÿ 5(cuvP) eQi msiÿY Ki‡e|

7| m‡›`nRbK †jb‡`b wi‡cvU© (Suspicious Transaction Report-STR) t

(1) gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Gi 25(1)(N) aviv Ges mš¿vm we‡ivax AvBb, 2009 Gi 16(1) avivq ewY©Z wb‡`©k ev¯Íevq‡bi wbwg‡Ë cÖwZwU e¨vs‡Ki mKj Kg©KZ©v ˆ`bw›`b †jb‡`b ev Kvh©μ‡g m‡›`nRbK †jb‡`b mbv³Ki‡Y m‡PZb I mZK© _vK‡eb|

(2) m‡›`nRbK †jb‡`b mbv³Ki‡Y e¨vsK Kg©KZ©vMY gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Gi 2(h) aviv Ges mš¿vm we‡ivax AvBb, 2009 Gi 2(16) avivq ewY©Z msÁv we‡ePbv Ki‡eb|

(3) e¨vsK kvLvi †Kvb Kg©KZ©v KZ…©K m‡›`nRbK †jb‡`b ev Kvh©μg wPwýZ nIqvi mv‡_ mv‡_ Zv kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v‡K wjwLZfv‡e AewnZ Ki‡Z n‡e| kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v wi‡cvU©K…Z †jb‡`b ev Kvh©μg Awej‡¤^ h_vh_fv‡e we‡kølY Ki‡eb Ges ch©‡eÿYmg~n wek`fv‡e wjwce× K‡i msiÿY Ki‡eb| ewY©Z †jb‡`b ev Kvh©μgwU m‡›`nRbK wn‡m‡e we‡ewPZ n‡j Zv Awej‡¤^ cÖ‡qvRbxq `wjjvw`mn ‡K›`ªxq cwicvjb BDwb‡U †cÖiY Ki‡Z n‡e|

(4) ‡K›`ªxq cwicvjb BDwbU kvLv n‡Z cÖvß m‡›`nRbK †jb‡`b ev Kvh©μgwU h_vh_fv‡e I cÖ‡qvRbxq Z_¨-DcvË ev `wjjvw` mwbœ‡ewkZ K‡i wi‡cvU© Kiv n‡q‡Q wKbv Zv ch©v‡jvPbv K‡i Awej‡¤^ goAML web eënvi K‡i Ges goAML Manual Gi wb‡`©kbv Abymv‡i weGdAvBBD eivei m‡›`nRbK †jb‡`b wi‡cvU©

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`vwL‡ji cvkvcvwk cwiwkó- ÔMÕ †Z mshy³ dig eënvi K‡i cÖ‡qvRbxq Z_¨-DcvË ev `wjjvw`mn weGdAvBBD eivei m‡›`nRbK †jb‡`b wi‡cvU© `vwLj Ki‡e|

(5) Aq¨vi UªvÝdv‡ii †ÿ‡Î ‡K›`ªxq cwicvjb BDwbU kvLv n‡Z cÖvß m‡›`nRbK †jb‡`b h_vh_fv‡e cÖ‡qvRbxq Z_¨-DcvË ev `wjjvw` mwbœ‡ewkZ K‡i wi‡cvU© Kiv n‡q‡Q wKbv Zv ch©v‡jvPbv K‡i Awej‡¤^ goAML web eënvi K‡i Ges goAML Manual Gi wb‡ ©kbv Abymv‡i weGdAvBBD eivei m‡›`nRbK †jb‡`b wi‡cvU© `vwL‡ji cvkvcvwk cwiwkó-ÔNÕ †Z mshy³ dig eënvi K‡i cÖ‡qvRbxq Z_¨-DcvË ev `wjjvw` mwbœ‡ek K‡i weGdAvBBD eivei m‡›`nRbK †jb‡`b wi‡cvU © `vwLj Ki‡e|

(6) ‡gvevBj dvBb¨vwÝqvj mvwf©m ev G‡R›U e¨vswKs Kvh©μ‡g wb‡qvwRZ e¨vsK Zvi K¨vk c‡q›U ev G‡R›U‡ì g‡a¨ m‡›`nRbK †jb‡`b ev Kvh©μ‡gi wel‡q Af¨šÍixY wi‡cvwU©s eë¯’v Pvjy Ki‡e| K¨vk c‡q›U ev G‡R›U‡ì wbKU †Kvb m‡›`nRbK †jb‡`b ev Kvh©μg wPwýZ n‡j mswkøó K¨vk c‡q›U ev G‡R›U KZ©„K GZ`&mshy³ Q‡K (cwiwkó ÔNÕ) e¨vs‡Ki †K›`ªxq cwicvjb BDwbU eive‡i m‡›`nRbK †jb‡`b wi‡cvU© `vwLj Ki‡Z n‡e| ‡K›`ªxq cwicvjb BDwbU cÖvß m‡›`nRbK †jb‡`b wi‡cvU© h_vh_fv‡e cÖ‡qvRbxq Z_¨-DcvË ev `wjjvw` mwbœ‡ewkZ K‡i `vwLj Kiv n‡q‡Q wKbv Zv ch©v‡jvPbv K‡i Awej‡¤^ goAML web eënvi K‡i Ges goAML Manual Gi wb‡`©kbv Abymv‡i weGdAvBBD eivei m‡›`nRbK †jb‡`b wi‡cvU© `vwL‡ji cvkvcvwk cwiwkó-ÔNÕ †Z mshy³ dig eënvi K‡i cÖ‡qvRbxq Z_¨-DcvË ev `wjjvw` mwbœ‡ek K‡i weGdAvBBD eivei m‡›`nRbK †jb‡`b wi‡cvU © `vwLj Ki‡e|

e¨vs‡Ki †Kvb mvewmwWqvixi gva¨‡g †gvevBj dvBb¨vwÝqvj mvwf©m ev G‡R›U e¨vswKs Kvh©μg cwiPvwjZ n‡j Ges D³ mvewmwWqvix gvwbjÛvwis cÖwZ‡iva AvBb, 2012 ev mš¿vm we‡ivax AvBb, 2009 Gi AvIZvq wi‡cvU© cÖ`vbKvix ms¯’v wn‡m‡e AšÍf©y³ n‡j mswkøó mvewmwWqvix KZ©„K mivmwi m‡›`nRbK †jb‡`b wi‡cvU© weGdAvBBD eivei `vwLj Ki‡Z n‡e|

(7) m‡›`nRbK †jb‡`b ev Kvh©μg mbv³KiY ev wi‡cvU© Kivi mv‡_ mswkøó Kg©KZ©vMY welqwUi †MvcbxqZv wbwðZ Ki‡eb|

(8) kvLv ch©v‡q †Kvb †jb‡`b ev Kvh©μg m‡›`nRbK wn‡m‡e wPwýZ bv n‡jI ‡K›`ªxq cwicvjb BDwbU KZ…©K †Kvb †jb‡`b ev Kvh©μg m‡›`nRbK cÖZxqgvb n‡j Aby‡”Q` 7(4) †gvZv‡eK m‡›`nRbK †jb‡`b wi‡cvU © weGdAvBBD eivei `vwLj Ki‡Z n‡e|

(9) e¨vsKmg~n m‡›`nRbK †jb‡`b wi‡cvU© Gi Z_¨vw` weGdAvBBD KZ©„K cieZ©x wb‡`©kbv bv †`qv ch©šÍ msiÿY Ki‡e|

8| Self Assessment Ges Independent Testing Procedures t

gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a GKwU Kvh©Kix eë¯’v cÖwZôvi j‡ÿ¨ e¨vs‡Ki Af¨šÍixY wbixÿv wefv‡Mi gva¨‡g kvLvmg~n n‡Z cÖvß Self Assessment Report ch©v‡jvPbv Ges Independent Testing Procedures h_vh_fv‡e m¤úbœ Kivi Rb¨ D³ wefvMwU‡Z ch©vß ‡jvKej wbwðZ Ki‡Z n‡e hv‡ì gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iv‡a we`¨gvb AvBb, wewagvjv, weGdAvBBD Gi wb‡`©kbv Ges G welqK e¨vs‡Ki wbR¯^ bxwZgvjv m¤ú‡K© mg¨K Ávb i‡q‡Q|

8.1 kvLvmg~‡ni KiYxq t

(1) cÖwZwU kvLv KZ©„K Self Assessment Gi Rb¨ wba©vwiZ †PKwjó (cwiwkó ÔOÕ) Gi Dci wfwË K‡i lvb¥vwmK wfwË‡Z wb‡R‡ì kvLvi g~j¨vqb Ki‡Z n‡e;

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(2) Av‡jvP¨ g~j¨vqb cÖwZ‡e`b P~ovšÍ Kivi c~‡e© kvLv eë ’vc‡Ki mfvcwZ‡Z¡ kvLvi mswkøó Kg©KZ©v‡ì wb‡q mfv Ki‡Z n‡e| D³ mfvq Lmov kvLv g~j¨vqb cÖwZ‡e`‡bi Dci Av‡jvPbv Ki‡Z n‡e, wPwýZ mgm¨v kvLv ch©v‡q mgvavb Kiv m¤¢eci n‡j kvLv KZ©„K Awej‡¤^ eë¯’v MÖnYc~e©K P~ovšÍ Ki‡Z n‡e Ges P~ovšÍ cÖwZ‡e`‡b mycvwik wjwce× Ki‡Z n‡e| cieZ©x gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK ‰ÎgvwmK mfv¸‡jv‡Z GZ`mswkøó wel‡qi AMÖMwZ wb‡q Av‡jvPbv Ki‡Z n‡e; Ges

(3) cÖwZwU lvb¥vwmKKvj mgvß nIqvi cieZx© gv‡mi 15 Zvwi‡Li g‡a¨ kvLv g~j¨vqb cÖwZ‡e`b, G wel‡q kvLv KZ©„K M„nxZ/M„nxZe¨ Kvh©μg I mycvwikmn cÖavb Kvh©vj‡qi Af¨šÍixY wbixÿv wefvM I †K› ªxq cwicvjb BDwb‡U †cÖiY Ki‡Z n‡e |

8.2 Af¨šÍixY wbixÿv wefv‡Mi KiYxq t

(1) Af¨šÍixY wbixÿv wefvM KZ©„K kvLvmg~n n‡Z cÖvß kvLv g~j¨vqb cÖwZ‡e`b hvPvB K‡i †Kvb kvLvq †Kvb SuywKc~Y© welq cwijwÿZ n‡j ZvrÿwYKfv‡e kvLvwU cwi`k©‡bi eë¯’v Ki‡Z n‡e Ges welqwU †K› ªxq cwicvjb BDwbU‡K AewnZ Ki‡Z n‡e|

(2) Af¨šÍixY wbixÿv wefvM Zv‡ì wbR¯ Ges wbqwgZ evwl©K cwi`k©b/wbixÿv Kg©m~Px Abymv‡i wewfbœ kvLvi cwi`k©b/ wbixÿv Kvh©μg m¤úv`bKv‡j Independent Testing Procedures Gi wba©vwiZ †PKwjó (cwiwkó ÒPÓ) Gi wfwË‡Z mswkøó kvLvi gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva Kvh©μg mswkøó welqvw` cixÿv Ki‡e I kvLvi ‡iwUs wbY©qKiZt mswkøó kvLvi cÖwZ‡e`b cÖYqb Ki‡e| GQvov, wbqwgZ evwl©K cwi`k©b/wbixÿv Kg©m~Pxi AwZwi³ Kgc‡ÿ 10% kvLvq c„_K cwi`k©b Kg©m~Pxi AvIZvq Independent Testing Procedures Gi wba©vwiZ †PKwjó (cwiwkó ÒQÓ) Gi wfwË‡Z mswkøó kvLvi gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva Kvh©μg msμvš Í welqvw` cixÿv Ki‡e I kvLvi ‡iwUs wbY©qKiZt cÖwZ‡e`b cÖYqb Ki‡e|

(3) Af¨šÍixY wbixÿv wefvM cwi`wk©Z/wbixwÿZ kvLvmg~‡ni †iwUs m¤^wjZ cÖwZ‡e`‡bi Kwc e¨vs‡Ki †K› ªxq cwicvjb BDwbU eive‡i †cÖiY Ki‡e|

(4) †gvevBj dvBb¨vwÝqvj mvwf©m I G‡R›U e¨vswKs Kvh©μ‡g wb‡qvwRZ e¨vsKmg~‡ni †ÿ‡Î Af¨šÍixY wbixÿv wefvM Zv‡ì K¨vk c‡q›U/G‡R›U‡ì gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva Kvh©μg mswkøó welqvwì cwicvjb Ae¯’v hvPvB‡qi wbwg‡Ë evwl©K wfwË‡Z b~¨bZg 10% K¨vk c‡q›U/G‡R‡›Ui Dci cwi`k©b/wbixÿv Kvh©μg cwiPvjbv Ki‡e Ges cÖwZ‡e`b ‡K›`ªxq cwicvjb BDwb‡U †cÖiY Ki‡e|

8.3| †K›`ªxq cwicvjb BDwb‡Ui KiYxq t

(1) †K›`ªxq cwicvjb BDwbU kvLvmg~n n‡Z cÖvß kvLv g~j¨vqb cÖwZ‡e`b Ges e¨vs‡Ki Af¨šÍixY wbixÿv wefvM KZ©„K `vwLjK…Z cwi`k©b/wbixÿv cÖwZ‡e`‡bi Dci wfwË K‡i we‡eP¨ lvb¥vwm‡K cwi`wk©Z kvLvmg~‡ni †PKwj÷ wfwËK g~j¨vqb cÖwZ‡e`b cÖ¯‘Z Ki‡e| D³ cÖwZ‡e`‡b Ab¨vb¨ wel‡qi mv‡_ Avewk¨Kfv‡e wb‡gœi welqmg~n AšÍf©y³ _vK‡e t

(K) ‡gvU kvLvi msL¨v Ges kvLv n‡Z cÖvß †gvU †mjd A¨v‡mm‡g›U wi‡cv‡U©i msL¨v;

(L) wi‡cvU©Kv‡j Af¨šÍixY wbixÿv wefvM KZ©„K cwi`wk©Z/wbixwÿZ kvLvi msL¨v Ges kvLvmg~‡ni Ae ’v (kvLvIqvix cÖvß b¤î);

(M) cÖvß †mjd A¨v‡mm‡g›U wi‡cv‡U© AwaK msL¨K kvLvq GKB ai‡Yi †h mKj Awbq‡gi welq D‡jøL i‡q‡Q Zv D‡jøLc~e©K H mKj Awbqg †iv‡a †K›`ªxq cwicvjb BDwbU KZ©„K M…nxZ eë¯’v;

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(N) Af¨šÍixY wbixÿv wefvM KZ©„K `vwLjK…Z cÖwZ‡e`‡b DwjøwLZ mvaviY I we‡kl Awbqgmg~n Ges H mKj Awbqg †iv‡a †K› ªxq cwicvjb BDwbU KZ©„K M…nxZ eë ’v; Ges

(O) cÖvß wi‡cv‡U© ÒAm‡šÍvlRbKÓ I ÒcÖvwšÍKÓ wn‡m‡e g~j¨vwqZ kvLvmg~‡ni cwicvjb wbwðZ KiZt †iwUs DbœqbK‡í M„nxZ eë¯’v|

Av‡jvP¨ cÖwZ‡e`bwU 1.3(4) G DwjøwLZ cÖwZ‡e`‡b AšÍfz©³ n‡e|

(2) kvLvmg~n n‡Z cÖvß kvLv g~j¨vqb cÖwZ‡e`b hvPvB K‡i †Kvb kvLvq †Kvb SuywKc~Y© welq cwijwÿZ n‡j ZvrÿwYKfv‡e kvLvwU Af¨šÍixY wbixÿv wefv‡Mi gva¨‡g cwi`k©‡bi eë¯’v Ki‡Z n‡e Ges welqwU Dchy³ KZ©„c‡ÿi bR‡i Avb‡Z n‡e|

(3) †gvevBj dvBb¨vwÝqvj mvwf©m Ges G‡R›U e¨vswKs Kvh©μ‡g wb‡qvwRZ e¨vsKmg~‡ni †ÿ‡Î ‡K›`ªxq cwicvjb BDwbU Af¨šÍixY wbixÿv wefvM n‡Z cÖvß cÖwZ‡e`bmg~n ch©v‡jvPbvc~e©K Zv‡ì ch©‡eÿY I mycvwikmn cÖwZ eQ‡ii Rvbyqvwi gv‡m c~e©eZx© eQ‡ii wbixÿvq cÖvß Awbq‡gi weeiY m¤^wjZ GKwU mvi-ms‡ÿc e¨vs‡Ki cÖavb wbe©vnx eivei `vwLj Ki‡e| cÖavb wbe©vnxi gZvgZmn Zv e¨vs‡Ki cwiPvjbv cl©` ev m‡e©v”P eë¯’vcbv KwgwUi mfvq Dc¯’vcb Ki‡Z n‡e| cÖavb wbe©vnx I cwiPvjbv cl©` ev m‡e©v”P eë¯’vcbv KwgwUi gZvgZ I M„nxZ eë¯’v m¤^wjZ GKwU evwl©K cÖwZ‡e`b †deªæqvwi gv‡mi g‡a¨ weGdAvBBD eive‡i `vwLj Ki‡Z n‡e|

9| Aq¨vi UªvÝdvi (Wire transfer) t

ÒAq¨vi UªvÝdvi (Wire transfer)Ó ej‡Z Ggb Avw_©K †jb‡`b‡K eySv‡e hv‡Z †Kvb Av‡e`bKvix e¨w³ ev cÖwZôv‡bi Aby‡iv‡a †Kvb e¨vsK B‡j±ªwbK gva¨g eënvi K‡i Aci †Kvb e¨vsK kvLvi mnvqZvq †ewbwdwkqvix e¨w³ ev cÖwZôvb‡K A_© cÖ`vb K‡i|

9.1 Aq¨vi UªvÝdvi m¤úwK©Z Ab¨vb¨ msÁv

(1) ÒAvšÍt‡`kxq Aq¨vi UªvÝdvi (Cross-border wire transfer)Ó ej‡Z Giƒc Avw_©K †jb‡`b‡K eySv‡e †h ‡ÿ‡Î Av‡e`bKvix Ges †ewbwdwkqvix wfbœ wfbœ †`‡k Ae¯’vb K‡i| ZvQvov ci¯úi m¤úK©hy³ GKvwaK UªvÝdv‡ii ‡ÿ‡Î b~¨bc‡ÿ GKwU †jb‡`b †`‡ki evB‡i m¤úvw`Z n‡j ZvI AvšÍt‡`kxq Aq¨vi UªvÝdvi g‡g© MY¨ n‡e|

(2) ÒAf¨šÍixY Aq¨vi UªvÝdvi (Domestic wire transfer)Ó ej‡Z Giƒc †jb‡`b‡K eySv‡e †h‡ÿ‡Î Av‡e`bKvix I ‡ewbwdwkqvix GKB †`‡k Ae¯’vb K‡i| G‡ÿ‡Î ci¯úi m¤úK©hy³ GKvwaK UªvÝdv‡i eëüZ cÖwμqv Ab¨ †Kvb †`‡k m¤úbœ n‡jI Zv Af¨šÍixY Aq¨vi UªvÝdvi g‡g© MY¨ n‡e|

(3) ÒAv‡e`bKvix (Applicant/originator)Ó ej‡Z Ggb †Kvb e¨w³ ev cÖwZôvb‡K (wnmveavix wKsev wnmveavix bb) eySv‡e hvi Aby‡iv‡ai m~‡Î mswkøó e¨vsK ewY©Z Aq¨vi UªvÝdvi Kvh© m¤úv`b K‡i|

(4) Ò‡ewbwdwkqvix (Beneficiary)Ó ej‡Z Ggb †Kvb e¨w³ ev cÖwZôvb‡K (wnmveavix wKsev wnmveavix bb) eySv‡e hvi AbyK‚‡j A_© †cÖiY Kiv nq|

(5) Òc~Y©v½ (Complete)Ó ej‡Z Av‡e`bKvix ev †ewbwdwkqvixi cwiwPwZ hvPvBK‡í cÖ‡qvRbxq mKj Z‡_ï mwbœ‡ek‡K eySv‡e| D`vniY îƒct Av‡e`bKvix/†ewbwdwkqvixi bvg I we¯ÍvwiZ wVKvbv, e¨vsK wnmve b¤î (hw` _v‡K) RvZxq cwiPqcÎ/wbeÜb cÎ/MÖnY‡hvM¨ cwiwPwZg~jK Qwehy³ AvBwW KvW©, ‡dvb/‡gvevBj b¤î BZ¨vw`|

15

(6) ÒmwVK (Accurate)Ó ej‡Z Dc‡ii (5) `dvq ewY©Z Giƒc Z_¨‡K eySv‡e hvi mwVKZv hvPvB Kiv n‡q‡Q|

(7) ÒA_©en (Meaningful)Ó ej‡Z Dc‡ii (5) `dvq ewY©Z Giƒc Z_¨‡K eySv‡e hv evn¨Z ev AvcvZt we‡ePbvq h_vh_ g‡g© cÖZxqgvb nIqvi hyw³m½Z KviY i‡q‡Q|

9.2 mKj ai‡Yi Aq¨vi UªvÝdv‡ii †ÿ‡Î wb‡¤œv³ Z_¨vejx MÖnY wbwðZ Ki‡Z n‡e t

(1) AvšÍt‡`kxq Aq¨vi UªvÝdvi t

(K) mvaviY ev we‡kl AbygwZi AvIZvq Ab~¨b 1,000(GK nvRvi) ev Z ~aŸ© cwigvY gvwK©b Wjvi ev mgZzj¨ cwigvY ê‡`wkK gy`ªvq AvšÍt‡`kxq Aq¨vi UªvÝdv‡ii †ÿ‡Î Av‡e`bKvixi c~Y©v½ I mwVK Z_¨ msMÖn, msiÿY Ges B›UviwgwWqvix/‡ewbwdwkqvix e¨vs‡K †cÖiY Ki‡Z n‡e| GQvovI ewY©Z mxgvi bx‡Pi †jb‡`bmg~‡ni †ÿ‡Î Av‡e`bKvixi c~Y©v½ I A_©en Z_¨ msiÿY Ki‡Z n‡e|

(L) AvšÍt‡`kxq Aq¨vi UªvÝdv‡ii A_© †ewbwdwkqvix‡K cÖ`v‡bi †ÿ‡Î †ewbwdwkqvix m¤úwK©Z c~Y©v½ I A_©en Z_¨ msiÿY Ki‡Z n‡e|

(M) †h mKj †ÿ‡Î GKK Av‡e`bKvix KZ©„K GKvwaK AvšÍt‡`kxq Aq¨vi UªvÝdv‡ii gva¨‡g GKvwaK †ewbwdwmqvixi AbyK‚‡j e¨vP dvB‡j ¸”QvKv‡i (Bundled in a batch file) †cÖiY Kiv nq ‡m mKj †ÿ‡Î e¨vP dvB‡j Av‡e`bKvix I †ewbwdwmqvixi mwVK I c~Y©v½ Z_¨ AšÍf©y³ Ki‡Z n‡e| GQvov, Av‡e`bKvixi wnmve b¤îI G‡ÿ‡Î e¨vsK AšÍf©y³ Ki‡e|

(2) Af¨šÍixY Iq¨vi UªvÝdvi t

(K) Ab~¨b 25,000/- (cuwPk nvRvi ) UvKv Af¨šÍixY Aq¨vi UªvÝdv‡ii †ÿ‡Î Av‡e`bKvixi c~Y©v½ I mwVK Z_¨ msMÖn, msiÿY Ges B›UviwgwWqvix/‡ewbwdwkqvix e¨vsK/cÖwZôv‡b †cÖiY Ki‡Z n‡e Ges ewY©Z mxgvi bx‡Pi †jb‡`bmg~‡ni †ÿ‡Î Av‡e`bKvixi c~Y©v½ I A_©en Z_¨ msiÿY Ki‡Z n‡e| GQvovI Af¨šÍixY Aq¨vi UªvÝdv‡ii A_© †ewbwdwkqvix‡K cÖ`v‡bi †ÿ‡Î †ewbwdwkqvix m¤úwK©Z c~Y©v½ I A_©en Z_¨ msiÿY Ki‡Z n‡e|

(L) †gvevBj dvBb¨vwÝqvj mvwf©m cÖ`vbKvix e¨vsK Dc‡iv³ wb‡`©kbvi AwZwi³ †c‡g›U wm‡÷gm wWcvU©‡g›U, evsjv‡`k e¨vsK KZ©„K mg‡q mg‡q mieivnK…Z KYC Format eënvi Ki‡e|

(M) †WweU ev †μwWU KvW© eënvi K‡i Aq¨vi UªvÝdv‡ii †ÿ‡Î (cY¨ I †mev μq e¨ZxZ) cwi‡kva msμvšÍ BÝUªvKkb/evZ©vq Dc‡ii 2(K) Gi Abyiƒc Z_¨ msiÿY Ki‡Z n‡e|

(N) miKvix/AvavmiKvix/ ^vqËkvwmZ cÖwZôv‡bi AbyK‚‡j Aq¨vi UªvÝdv‡ii ‡ÿ‡Î Dchy©³ wb‡ ©kbvmg~‡ni cwicvjb eva¨Zvg~jK bq| GQvovI AvšÍte¨vsK †jb‡`b (A_©vr †hLv‡b Av‡e`bKvix I †ewbwdwkqvix Dfq cÿB †Kvb e¨vsK ev Avw_©K cÖwZôvb) Kvh©μ‡gi †ÿ‡Î Dc‡ii 2(K) `dvq ewY©Z wb‡`©kbv cwicvjb Ae¨vnwZ‡hvM¨ we‡ewPZ n‡e|

9.3 AW©vwis, B›UviwgwWqvix I ‡ewbwdwkqvix e¨vsK-Gi KiYxq t

(1) AW©vwis e¨vsK t AW©vwis e¨vsK‡K Aq¨vi UªvÝdvi msμvšÍ †jb‡`‡bi †ÿ‡Î Av‡e`bKvixi mwVK Ges c~Y©v½ Z_¨ wbwðZ Ki‡Z n‡e| GQvov AW©vwis e¨vsK‡K †ewbwdwkqvixi A_©en Z_¨ msMÖn Ki‡Z n‡e| Gme Z_¨ b~¨bZg 05 (cvuP) eQi msiÿY Ki‡Z n‡e|

16

(2) B›UviwgwWqvix e¨vsK t

(K) AvšÍt‡`kxq Ges Af¨šÍixY Dfq ai‡Yi Aq¨vi UªvÝdv‡ii †ÿ‡Î AW©vwis e¨vsK I †ewbwdwkqvwi e¨vs‡Ki gv‡S †Kvb e¨vsK †h †Kvb ai‡Yi B›UviwgwWqvix wn‡m‡e Kvh© m¤úv`bKv‡j D³ e¨vsK KZ©„K Av‡e`bKvix Ges †ewbwdwkqvix m¤úwK©Z Z_¨vw` msiÿY wbwðZ Ki‡Z n‡e| AW©vwis e¨vsK (cÖ‡hvR¨ †ÿ‡Î Ab¨ †Kvb B›UviwgwWqvix e¨vsK) n‡Z cÖvß Z_¨ B›UviwgwWqvix e¨vsK/ cÖwZôvb KZ©„K b~¨bZg 05 (cvuP) eQi msiÿY Ki‡Z n‡e|

(L) cÖwZwU B›UviwgwWqvix e¨vsK KZ©„K Aq¨vi UªvÝdvi m¤úv`‡bi †ÿ‡Î Av‡e`bKvix ev †ewbwdwkqvixi Z‡_ï Afv‡e D³ UªvÝdvi m¤úv`b ev ¯’wMZKiY ev iwnZKiY Ges cÖ‡qvRbxq d‡jvAvc Kvh©μ‡gi Rb¨ mswkøó e¨vs‡K GKwU SuywKwfwËK bxwZgvjv I c×wZ _vK‡Z n‡e|

(3) ‡ewbwdwkqvix e¨vsK t

(K) Aq¨vi UªvÝdvi msμvšÍ †jb‡`b Kvh©μ‡g RwoZ ‡ewbwdwkqvix e¨vsK‡K Av‡e`bKvixi c~Y©v½ Z‡_ï †Kvb NvUwZ Av‡Q wK bv Zv hvPvB Kivi Rb¨ GKwU SzuwKwfwËK c×wZi cÖeZ©Y Ki‡Z n‡e| Av‡e`bKvixi c~Y©v½ Z‡_ï †Kvb NvUwZ cwijwÿZ n‡j cÖ‡qvRb‡ev‡a mswkøó cÿmg~n cvi¯úwiK †hvMv‡hv‡Mi gva¨‡g ev Ab¨vb¨ m~Î eënvi K‡i Z_¨ msMÖn Ki‡e| cÖvcK/ †ewbwdwkqvix‡K A_© cwi‡kv‡ai mgq ‡ewbwdwkqvix e¨vsK‡K cÖvcK/ †ewbwdwkqvixi c~Y©v½ I mwVK Z_¨ msMÖn I mswkøó Z_¨ b~¨bZg 05 (cvuP) eQi msiÿY Ki‡Z n‡e|

(L) cÖwZwU †ewbwdwkqvix e¨vsK Aq¨vi UªvÝdvi m¤úv`‡bi †ÿ‡Î Av‡e`bKvix ev †ewbwdwkqvixi Z‡_ï Afv‡e D³ UªvÝdvi m¤úv`b ev ¯’wMZKiY ev iwnZKiY Ges cÖ‡qvRbxq d‡jvAvc Kvh©μ‡gi Rb¨ mswkøó e¨vs‡K GKwU SuywKwfwËK bxwZgvjv I c×wZ _vK‡Z n‡e|

9.4 Aq¨vi UªvÝdvi msμvšÍ Ab¨vb¨ wb‡ ©kbv t

(1) †gvevBj dvBb¨vwÝqvj mvwf©m Kvh©μ‡g wb‡qvwRZ e¨vsKmg~n Zv‡ì G‡R›U‡ì nvjbvMv` ZvwjKv I‡qemvB‡U cÖKvk Ki‡e|

(2) †gvevBj dvBb¨vwÝqvj mvwf©m Kvh©μ‡g wb‡qvwRZ e¨vsKmg~n ‡gvevBj e¨vswKs †mev MÖnYKvixi m¤ú~Y© †iwR‡÷ªkb cÖwμqv m¤úv`b I Aby‡gv`‡bi c‡iB †KejgvÎ †jb‡`b m¤úv`b Ki‡Z cvi‡e| Z‡e †iwR‡÷ªkb cÖwμqv m¤úv`‡bi ci cash in Kiv hv‡e Z‡e Aby‡gv`‡bi c‡iB †KejgvÎ Cash out Kiv hv‡e |

(3) $ 1,000/-(GK nvRvi) ev Gi bx‡Pi As‡Ki †jb‡`‡bi †ÿ‡Î Av‡e`bKvix I ‡ewbwdwkqvixi bvg I wVKvbv Ges Av‡e`bKvixi †Uwj‡dvb b¤i msMÖn Ki‡Z n‡e|

(4) GZ`&mswkøó Kvh©μg cwiPvjbvKv‡j mswkøó me cÿ‡K Avewk¨Kfv‡e ê‡`wkK gy ªv †jb‡`b msμvšÍ weavbvejx, ‡c‡g›U wm‡÷gm wWcvU©‡g›U KZ©„K Bmy¨K…Z wb‡`©kbv, G BDwbU KZ©„K mg‡q mg‡q RvixK…Z wb‡`©kbv Ges G m¤úwK©Z me AvBb ev wewaweavb h_vixwZ AbymiY Ki‡Z n‡e|

10| mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡ ¿i we¯Ív‡i A_©vqb cÖwZ‡iva (Prevention of Financing of Terrorism and Financing of Proliferation of Weapons of Mass Destruction) t

(1) cÖ‡Z¨K e¨vsK cwiPvjbv cl©‡ì Aby‡gv`bμ‡g mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i A_©vqb msμvšÍ †jb‡`b cÖwZ‡iva I mbv³ Kivi j‡ÿ¨ GKwU c×wZ cÖwZôv Ki‡e, e¨vs‡Ki Kg©KZ©v‡ì `vq`vwqZ¡ m¤úwK©Z wb‡`©kbv Rvix Ki‡e, mgq mgq Zv ch©v‡jvPbv Ki‡e Ges weGdAvBBD KZ…©K RvixK…Z wb‡`©kbv h_vh_fv‡e cÖwicvjb Kiv n‡”Q wKbv Zv wbwðZ Ki‡e|

17

(2) mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i A_v©qb m¤úwK©Z msev` MYgva¨‡g cÖKvk nevi mv‡_ mv‡_ D³ Kg©Kv‡Ûi mv‡_ RwoZ ‡Kvb e¨w³ ev mËvi †Kvb e¨vsK wnmve cwiPvwjZ n‡q _vK‡j G welqK we¯ÍvwiZ Z_¨ mswkøó e¨vsK KZ©„K Awej‡¤^ weGdAvBBD eive‡i ‡cÖiY Ki‡Z n‡e|

(3) cÖwZwU e¨vsK RvwZms‡Ni wbivcËv cwil‡ì wewfbœ †iRyjyk‡bi AvIZvq mš¿vm, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i A_©vq‡b RwoZ m‡›`‡n ZvwjKvfy³ †Kvb e¨w³ ev mËv Ges evsjv‡`k miKvi KZ©„K ZvwjKvfy³ ‡Kvb e¨w³ ev wbwl× †NvwlZ mËvi nvjbvMv` Z_¨ B‡j±ªwbK c×wZ‡Z msiÿY Ki‡e| RvwZms‡Ni wbivcËv cwil‡ì wewfbœ †iRyjyk‡bi AvIZvq ZvwjKvfy³ e¨w³ ev mËv Ges evsjv‡`k miKvi KZ©„K ZvwjKvfy³ ‡Kvb e¨w³ ev wbwl× †NvwlZ mËvi msÁv G mvKz©jv‡ii 2(3) Aby‡”Q‡` cÖ`vb Kiv n‡q‡Q|

(4) cÖwZwU e¨vsK RvwZms‡Ni wbivcËv cwil‡ì †Kvb †iRyjyk‡bi AvIZvq ev evsjv‡`k miKvi KZ©„K ZvwjKvfz³ ev wbwl× †NvwlZ †Kvb e¨w³ ev mËvi bv‡g A_ev cÖZ¨ÿ ev c‡ivÿfv‡e Zv‡ì wbqš¿Yvaxb/¯v_©mswkøó †Kvb e¨w³ ev mËvi bv‡g e¨vsK wnmve i‡q‡Q wKbv ev †Kvb †jb‡`b msNwUZ n‡q‡Q wKbv Zv wPwýZ Kivi Rb¨ wbqwgZ ‡jb‡`b gwbUi Ki‡e Ges cÖ‡qvR‡b †jb‡`b ch©v‡jvPbv Ki‡e| ZvwjKvfz³ ev wbwl× †NvwlZ †Kvb e¨w³ ev mËv A_ev cÖZ¨ÿ ev c‡ivÿfv‡e Zv‡ì wbqš¿Yvaxb/ ^v_©mswkøó †Kvb e¨w³ ev mËvi †Kvb e¨vsK wnmve ev †jb‡`b wPwýZ nIqvi mv‡_ mv‡_ mswkøó e¨vsK D³ wnmv‡ei ‡jb‡`b ev †jb‡`bwU ¯’wMZ K‡i cieZx© Kg© wè‡mi g‡a¨ G welqK we¯ÍvwiZ Z_¨ weGdAvBBD‡K AewnZ Ki‡e|

(5) hw` Aq¨vi UªvÝdvi msμvšÍ †jb‡`‡bi Av‡e`bKvix wKsev †ewbwdwkqvix RvwZms‡Ni wbivcËv cwil‡ì †Kvb †iRyjyk‡bi AvIZvq ev evsjv‡`k miKvi KZ©„K ZvwjKvfz³ ev wbwl× †NvwlZ †Kvb e¨w³ ev mËv nq Z‡e Zv wPwýZ nIqvi mv‡_ mv‡_ mswkøó e¨vsK D³ †jb‡`bwU ¯’wMZ K‡i cieZx© Kg© wè‡mi g‡a¨ G welqK we¯ÍvwiZ Z_¨ weGdAvBBD‡K AewnZ Ki‡e|

(6) RvwZms‡Ni wbivcËv cwil` KZ…©K M„nxZ †iRyjykb 1373 (2001) Gi AvIZvq we‡`kx miKvi ev we‡`kx GdAvBBD Gi Aby‡iv‡a weGdAvBBD n‡Z ‡cÖwiZ ev D³ †iRyjyk‡bi AvIZvq evsjv‡`k miKvi KZ©„K ZvwjKvfy³ ev wbwl× †NvwlZ †Kvb e¨w³ ev mËvi mv‡_ e¨vsK wnmve ev Ab¨ †Kvb m¤úK© i‡q‡Q wKbv Zv wPwýZ Kivi Rb¨ e¨vsK wbqwgZ ‡jb‡`b gwbUi Ki‡e Ges cÖ‡qvR‡b †jb‡`b ch©v‡jvPbv Ki‡e| ZvwjKvfz³ ev wbwl× †NvwlZ †Kvb e¨w³ ev mËvi †Kvb e¨vsK wnmve wPwýZ nIqvi mv‡_ mv‡_ mswkøó e¨vsK D³ wnmv‡ei ‡jb‡`b ’wMZ K‡i cieZx© Kg© wè‡mi g‡a¨ we ÍvwiZ Z_¨ weGdAvBBD‡K AewnZ Ki‡e|

(7) AvšÍR©vwZK evwYwR¨K †jb‡`‡bi †ÿ‡Î cÖ‡Z¨KwU e¨vsK D³ †jb‡`b m¤úv`‡bi c~‡e© ‡jb‡`‡bi mv‡_ m¤úwK©Z cÿmg~n RvwZms‡Ni wbivcËv cwil‡ì †Kvb †iRyjyk‡bi AvIZvq ev evsjv‡`k miKvi KZ©„K ZvwjKvfz³ ev wbwl× †NvwlZ †Kvb e¨w³ ev mËv wKbv Zv wPwýZ Kivi Rb¨ †jb‡`bwU ch©v‡jvPbv Ki‡e| ZvwjKvfz³ ev wbwl× †NvwlZ †Kvb e¨w³ ev mËvi mswkøóZv wPwýZ nIqvi mv‡_ mv‡_ mswkøó e¨vsK D³ †jb‡`bwU ¯’wMZ K‡i cieZx© Kg© wè‡mi g‡a¨ we¯ÍvwiZ Z_¨ weGdAvBBD‡K AewnZ Ki‡e|

11| wb‡qvM I cÖwkÿY t

11.1 wb‡qvM t

gvwbjÛvwis, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vq‡bi SuywK wbim‡bi j‡ÿ¨ e¨vsK Zv‡ì wewfbœ wb‡qvM cÖwμqvq h_vh_ hvPvB cÖwμqv (Screening Mechanism) AbymiY Ki‡e hv‡Z †Kvb ¯Í‡ii Kg©KZ©vi gva¨‡g e¨vsK G ai‡Yi SuzwKi m¤§yLxb bv nq |

18

11.2 cÖwkÿY- e¨vsK Kg©KZ©v t

(1) gvwbjÛvwis, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb cÖwZ‡iva Kvh©μ‡gi h_vh_ cwicvjb wbwðZ Kivi j‡ÿ¨ cÖ‡Z¨K e¨vsK Zv‡ì mKj Kg©KZ©v‡ì gvwbjÛvwis, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we Ív‡i A_©vqb cÖwZ‡iva mswkøó wel‡q Dchy³ cÖwkÿY cÖ`v‡bi eë ’v Ki‡e ; (2) †gvevBj dvBb¨vwÝqvj mvwf©m I G‡R›U e¨vswKs Kvh©μ‡g wb‡qvwRZ e¨vsKmg~n Zv‡ì K¨vk c‡q›U/G‡R›U‡ì (A_ev Ab¨ †h †Kvb bv‡gB AwfwnZ ‡nvK bv †Kb) Rb¨ wbqwgZ gvwbjÛvwis, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb cÖwZ‡iva mswkøó wel‡q Dchy³ cÖwkÿY cÖ v‡bi eë ’v Ki‡e;

(3) e¨vsK cÖwkÿY msμvšÍ Z_¨ I `wjjvw` msiÿY Ki‡e|

11.3 wkÿY- e¨vsK MÖvnK t

(1) e¨vsK Zv‡ì MÖvnK‡ì wnmve †Lvjvi cÖv°v‡j hvwPZ wewfbœ Z_¨ mwbœ‡ek I `wjjvw` `vwL‡ji †hŠw³KZvi wel‡q MÖvnK‡K AewnZ Ki‡e Ges gvwbjÛvwis, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb cÖwZ‡iva wel‡q MÖvnK‡ì m‡PZbZv e„w×i j‡ÿ¨ mgq mgq wjd‡jU weZiY Ges cÖwZwU e¨vsK kvLvi „k¨gvb ’v‡b G welqK †cv÷vi ’vc‡bi eë ’v Ki‡e|

(2) †gvevBj dvBb¨vwÝqvj mvwf©m I G‡R›U e¨vswKs Kvh©μ‡g wb‡qvwRZ e¨vsKmg~n gvwbjÛvwis, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb cÖwZ‡iva wel‡q MÖvnK‡ì m‡PZbZv e„w×i j‡ÿ¨ mgq mgq wjd‡jU weZiY Ges cÖwZwU K¨vk c‡q›U/G‡R›U Awd‡mi `„k¨gvb ’v‡b †cv÷vi ’vc‡bi eë ’v Ki‡e|

(3) GQvov Corporate Social Responsibility (CSR) Gi AvIZvq gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a wewfbœ MYgva¨gmn Ab¨vb¨ gva¨‡g G welqK m‡PZbZvg~jK weÁvcb, Z_¨wPÎ BZ¨vw` cÖPv‡ii eë ’v Ki‡e|

12| ‡iKW© Ges cÖ‡qvRbxq Z_¨/`wjjvw` msiÿY t (1) MÖvn‡Ki Af¨šÍixY I ê‡`wkK †jb‡`b msμvšÍ mKj cÖ‡qvRbxq Z_¨ ev `wjjvw` wnmve eÜ nIqvi ZvwiL n‡Z Ab~¨b 5(cuvP) ermi ch©šÍ msiÿY Ki‡Z n‡e;

(2) MÖvn‡Ki KYC mn CDD cÖwμqv m¤úv`bKv‡j msM„nxZ mKj Z_¨ I `wjjvw`, wnmve msμvšÍ `wjjvw`, eëmvwqK cÎ †hvMv‡hvM Ges †Kvb MÖvn‡Ki wel‡q †Kvb cÖwZ‡e`b cÖYxZ n‡j G mKj Z_¨vw`/`wjjvw` MÖvn‡Ki wnmve eÜ nIqvi ZvwiL n‡Z Ab~¨b 5 (cuvP) ermi ch©šÍ msiÿY Ki‡Z n‡e|

(3) Walk-in Customer KZ…©K ‡jb‡`b msNwUZ nIqvi ZvwiL n‡Z Ab~¨b 5 (cuvP) ermi ch©šÍ †jb‡`b msμvšÍ mKj cÖ‡qvRbxq Z_¨ ev `wjjvw` msiÿY Ki‡Z n‡e|

(4) msiwÿZ Z_¨vw` Aciva Kvh©μ‡gi wePvwiK cÖwμqvq `vwjwjK cÖgvY wn‡m‡e Dc ’vcb Kivi ‡ÿ‡Î h‡_ó n‡Z n‡e|

(5) e¨vsK MÖvn‡Ki KYC mn CDD cÖwμqv m¤úv`bKv‡j M„nxZ mKj Z_¨ I `wjjvw` Ges †jb‡`b msμvšÍ Z_¨ I `wjjvw` weGdAvBBD Gi Pvwn`v ev wb‡`©kbv †gvZv‡eK mieivn Ki†e|

19

13| Zdwmjx e¨vsKmg~‡ni Rb¨ B‡Zvc~‡e© RvixK…Z wb‡¤œv³ mvKz©jvi/mvKz©jvi ‡jUvimg~‡ni wb‡`©kbv ejer _vK‡e| mvKz©jvi/ mvK©yjvi †jUvi bs Rvixi ZvwiL welq

GGgGj mvKz©jvi bs- 10 Gi ïaygvÎ Cash Transaction Report Form

16 †deªæqvwi, 2006 bM` †jb‡`b wi‡cvU© `vwLjKiY cÖm‡½|

GGgGj mvKz©jvi bs-22 21 GwcÖj, 2009 mš¿vm we‡ivax AvBb, 2009 Rvix cÖm‡½|

weGdAvBBD mvKz©jvi bs-02 15 gvP©, 2012 gvwbjÛvwis cÖwZ‡iva AvBb, 2012 I mš¿vm we‡ivax (ms‡kvab) AvBb, 2012 Rvix cÖm‡½|

weGdAvBBD mvKz©jvi bs-07 14 RyjvB, 2013 mš¿vm we‡ivax (ms‡kvab)AvBb, 2013 Rvix cÖm‡½|

weGdAvBBD mvKy©jvi †jUvi-01 30 Rvbyqvwi, 2012 weGdAvBBD bvgKiY cÖm‡½|

14| Aby‡”Q` 13 G DwjøwLZ mvKz©jvi I mvKz©jvi †jUvi e¨ZxZ G gv÷vi mvK©yjvi Rvixi c~‡e© Zdwmjx e¨vsKmg~‡ni Rb¨ gvwbjÛvwis cÖwZ‡iva wefvM ev weGdAvBBD KZ©„K RvixK…Z Ab¨ mKj mvKz©jvi I mvKz©jvi †jUv‡ii wb‡`©kbv G gv÷vi mvKz©jv‡ii wb‡`©kbv Øviv cÖwZ ’vwcZ g‡g© we‡ewPZ n‡e|

G mvKz©jv‡ii wb‡`©kbvmg~n Awej‡¤^ Kvh©Ki n‡e| Avcbv‡ì wek¦ Í,

ms‡hvRbx t †gvU 38 c„ôv|

(†gvt bvwmiæ¾vgvb) gnveë¯’vcK

‡dvbt 9530118 cÖwZwjwc bs-weGdAvBBD(cwjwm)-3/2014- 762 ZvwiL t DwjøwLZ AeMwZ I cÖ‡qvRbxq eë¯’v MÖn‡Yi Rb¨ cÖwZwjwc †cÖiY Kiv n‡jv t 1. mKj wefvMxq cÖavb, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv| 2. gnveë¯’vcK, evsjv‡`k e¨vsK, gwZwSj, XvKv/PÆMÖvg/ivRkvnx/Lyjbv/e¸ov/wm‡jU/mìNvU,XvKv/ewikvj/iscyi/gqgbwmsn| 3. wbe©vnx cwiPvjK, Mfb©i g‡nv`‡qi mwPevjq, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv| 4. Mfb ©i g‡nv`‡qi e¨w³MZ Kg©KZ©v, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv| 5. †WcywU Mfb©i g‡nv`qM‡Yi mv‡_ mshy³ Dc-cwiPvjK/mnKvix cwiPvjK, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv| 6. A_©‰bwZK Dc‡`óv/wbe©vnx cwiPvjK g‡nv`qM‡Yi e¨w³MZ mnKvix, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv| 7. gnvcwiPvjK, evsjv‡`k BbwówUDU Ae e¨vsK g¨v‡bR‡g›U, wgicyi, XvKv| 8. gnvmwPe, w` BbwówUDU Ae e¨vsKvm© evsjv‡`k, weGmAviGm feb, 10g Zjv, 12, KvIivb evRvi, †ZRMuvI, XvKv| 9. †Pqvig¨vb, evsjv‡`k G‡mvwm‡qkb Ae e¨vsKm, 42, Kvgvj AvZvZzK© GwfwbD, ebvbx, XvKv| 10. †Pqvig¨vb, G‡mvwm‡qkb Ae e¨vsKvm©, evsjv‡`k, B÷vb© Kgvwk©qvj Kg‡cø·, 73, KvKivBj, XvKv|

(Bqvmwgb ingvb eyjv)

hyM¥ cwiPvjK ‡dvbt 9530010-75/2465

cwiwkó-K

1

......................... e¨vsK/e¨vsK wjt ....................kvLv

wnmve †Lvjvi Av‡e`b dig

e¨w³K wnmve ZvwiLt............................... wnmve b¤ît ............................

BDwbK MÖvnK AvBwW †KvWt ............................. eë ’vcK e¨vs‡Ki bvgt ---------------- kvLvi bvgt ---------------- wcÖq g‡nv`q

Avwg/Avgiv Avcbvi kvLvq GKwU wnmve †Lvjvi Rb¨ Av‡e`b KiwQ| Avgvi/Avgv‡ì wnmve msμvšÍ I e¨w³MZ we¯ÍvwiZ Z_¨ wb‡gœ cÖ`vb KiwQ t 1| wnmv‡ei bvg t .......................................................................................................................

2| wnmv‡ei cÖK…wZ (wUK w`b)t mÂqx PjwZ GmGbwW ’vqx FC RFCD NFCD

Ab¨vb¨ ........................................................................................

3| gy`ªv (wUK w`b)t UvKv Wjvi BD‡iv cvDÛ Ab¨vb¨......

4| wnmve cwiPvjbv msμvšÍ †NvlYv (wUK w`b)t GKKfv‡e †hŠ_fv‡e ‡h †Kvb GKRb RxweZRb

Ab¨vb¨ ........................................................................................................................

5| Ab¨ †Kvb e¨vs‡K cwiPvwjZ wnmve Av‡Q wK (wUK w`b)? n¨vu bv

DËi n¨vu n‡j--

e¨vsK I kvLvi bvg wnmv‡ei cÖK…wZ (wUK wPý w`b)

(K) ........................ Rgv wnmve FY wnmve Ab¨vb¨ (L) ........................ Rgv wnmve FY wnmve Ab¨vb¨ (M) ......................... Rgv wnmve FY wnmve Ab¨vb¨ (N) ........................... Rgv wnmve FY wnmve Ab¨vb¨

6| cwiPq`vbKvixi Z_¨t

(K) bvg t................................................................. (L) wnmve bs t..................................................................

(M) kvLvi bvg t.................................................................. (N) MÖvn‡Ki mv‡_ m¤úK © t..................................................................

(O) ¯^vÿi (ZvwiLmn) t.................................................................. cwiPq`vbKvixi Z_¨ cÖZ¨vqbKvix mswkøó e¨vsK kvLvi Kg©KZ©vi bvg I ¯^vÿi t........................................

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7| cÖv_wgK Rgvi cwigvY t .......................... 8| GdwWAvi msμvšÍ Z_¨t cwigvYt................................................... gy`ªv t ..................................

†gqv`Kvj t eQi gvm w`b | ‡gqv`c~wZ©i ZvwiL t ..........................................

bevq‡bi †ÿ‡Î t Avmj Ges my` bevqb Kiæb ïaygvÎ Avmj bevqb Kiæb, my` ...............................b¤î wnmv‡e Rgv Kiæb

cÖ‡hvR¨ b‡n| 9| we‡kl ¯‹xg msμvšÍ Z_¨t ¯‹x‡gi bvgt............................................................................................................................. ¯‹x‡gi †gqv`t................... GKKvjxb Rgv/ wKw¯Íi cwigvYt ................... wKw¯Íi msL¨v (evwl©K) t............ †gqv`v‡šÍ cÖ‡`qt.................................................... gvwmK c Ö‡`qt...............................................

10| GK ev GKvwaK wnmveavix bvevjK n‡j t

Avwg wbgœewY©Z wnmveavixi êa AwffveK wn‡m‡e GB g‡g© †NvlYv KiwQ †h, wnmveavix bvevjK| Zvi cÖ‡qvRbxq Z_¨ mshy³ di‡g cÖ`vb Kiv n‡jv| wnmveavix mvevjK bv nIqv ch©šÍ wKsev Avgvi cieZx© †NvlYv bv †`qv ch©šÍ êa AwffveK wnmv‡e wnmvewU Avgvi ^vÿ‡i cwiPvwjZ n‡e|

(K) wnmveavix (bvevjK) Gi bvg t............................................................................................... (L) Awffve‡Ki bvg t............................................................bvevj‡Ki mv‡_ m¤úK© t ..................

(bvevjK Ges AwffveK - Df‡qi Rb¨B Òe¨w³ msμvšÍ Z_¨vejxÓ dig c~iY Ki‡Z n‡e Ges Dfq di‡gB AwffveK KZ©„K ¯^vÿi Ki‡Z n‡e|)

11| bwgbx msμvšÍ Z_¨vejx t GB di‡gi mv‡_ mshy³ bwgbx msμvšÍ Z_¨vejx dig h_vh_fv‡e c~iYc~e©K wnmve †Lvjvi Av‡e`b di‡gi mv‡_ msiÿY Ki‡Z n‡e|

12| A‡_©i Drm/Drmmg~n (mywbw`©ó I we¯ÍvwiZ D‡jøL Ki‡Z n‡e)t .......................................................... ................................................................................................................................................................................................................................................................................................

13| †Nvlbv I ^vÿi t Avwg/Avgiv GB g‡g© wbðqZv cÖ`vb KiwQ †h, Avwg/Avgiv wnmve msμvšÍ hveZxq wbqgvejx/kZv©ejx c‡owQ Ges D³ wbqgvejx/kZv©ejx †g‡b Pj‡Z eva¨ _vKe| Avwg/Avgiv mÁv‡b †NvlYv KiwQ †h, DwjøwLZ Z_¨vw` mZ¨| Avwg/Avgiv cÖ`Ë Z‡_ï AwZwi³ mswkøó †h †Kvb cÖ‡qvRbxq Z_¨/`wjjvw` Avcbvi Pvwn`v †gvZv‡eK mieivn Kie|

Av‡e`bKvixi bvg, ^vÿi I ZvwiL Av‡e`bKvixi bvg, ^vÿi I ZvwiL

e¨vs‡Ki eënv‡ii Rb¨

gšÍe¨ t..................................................................................................................................... ......................... .........................

wnmve †Lvjvi mv‡_ mswkøó Kg©KZ©vi bvghy³ mxjmn ¯^vÿi I ZvwiL

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

......................... Aby‡gv`bKvix Kg©KZ©vi

bvghy³ mxjmn ¯^vÿi I ZvwiL

cwiwkó-K

3

......................... e¨vsK / e¨vsK wjt ....................kvLv

wnmve †Lvjvi dig t bwgbx msμvšÍ Z_¨vejx (ïaygvÎ e¨w³K wnmv‡ei ‡ÿ‡Î cÖ‡hvR¨ n‡e Ges G‡Ki AwaK bwgbx n‡j

GKvwaK bwgbx dig c~iY Ki‡Z n‡e|)

Avwg/Avgiv G wnmv‡ei A_© Avgvi/Avgv‡ì g„Z yi ci wb‡gœv³fv‡e wb‡gœv³ e¨w³/e¨w³MY‡K cÖ`v‡bi Rb¨ g‡bvbxZ Kijvg| Avwg/Avgiv DwjøwLZ g‡bvbqb †h †Kvb mgq evwZj ev cwieZ©‡bi AwaKvi msiÿY Kwi| Avwg/Avgiv GB g‡g© Av‡iv m¤§wZ Ávcb KiwQ †h, Avgvi/Avgv‡ì wb‡ ©kbv †gvZv‡eK †jb‡`‡b e¨vsK †Kv‡bvfv‡e `vqe× n‡ebv|

wnmv‡ei bvg t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .... .. .. .. .. .. .. .. wnmve b¤î t.. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .... .. .. .. .. .. .. .... bwgbxi bvg t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .... .. .. .. .. .. .. ... wcZvi bvg t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. gvZvi bvg t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ¯^vgx/¯¿xi bvg t.. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .... .. .. .. .. .. .. .. .. Rb¥ ZvwiL t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ’vqx wVKvbv t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

†ckv t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. cvm‡cvU© b¤î t ................................................................................................ RvZxq cwiPq cÎ b¤î t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Rb¥ wbeÜb mb`cÎ b¤it .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. wnmveavixi mv‡_ m¤úK© t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. kZKiv nvi t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

‡Kvb Awbevmx‡K bwgbx Kiv n‡j Ges H Awbevmx mswkøó wnmv‡ei A_© cÖvß n‡j cÖvß A_© we‡`‡k †cÖi‡Yi †ÿ‡Î we`¨gvb ‰e‡`wkK gy ªv wbqš¿b AvB‡bi wewa weavb cÖ‡hvR¨ n‡e|

bwgbxi cwiwPwZi †ÿ‡Î cvm‡cvU©, RvZxq cwiPqcÎ I Rb¥ wbeÜb mb`c‡Îi g‡a¨ Avewk¨Kfv‡e †h †Kvb GKwU `wjj cÖ vb

Ki‡Z n‡e| Z‡e Rb¥ wbeÜb mb`cÎ cÖ`v‡bi †ÿ‡Î Rb¥ wbeÜb mb`c‡Îi AwZwi³ bwgbxi Av‡jvKwPÎmn †h †Kvb

cwiwPwZ cÎ cÖ vb Ki‡Z n‡e| Av‡jvKwPÎmn cwiwPwZ cÎ bv _vK‡j †m wel‡q e¨vs‡Ki mš‘wó mv‡c‡ÿ Zv‡ì wbKU

MÖnY‡hvM¨ mgv‡Ri MY¨gvb¨ e¨w³1 KZ…©K cÖ`Ë cwiP‡qi cÖZ¨qb cÎ cÖ vb Ki‡Z n‡e| D³ cwiwPwZ cÎ ev cÖZ¨qb cÎ

bwgbxi Av‡jvKwPÎmn n‡Z n‡e|

....................................................................... ...................................................................... Mªvn‡Ki bvg, ¯^vÿi I ZvwiL Mªvn‡Ki bvg, ^vÿi I ZvwiL

1 MY¨gvb¨ e¨w³ ej‡Z msm` m`m¨, wmwU K‡c©v‡ik‡bi †gqi, †WcywU †gqi I KvDwÝjiMY, cÖ_g †k ªYxi †M‡R‡UW Kg©KZ©v, cvewjK wek¦we`¨vj‡qi wkÿK, Dc‡Rjv cwil‡ì †Pqvig¨vb I fvBm †Pqvig¨vb, BDwbqb cwil‡ì †Pqvig¨vb, †cŠimfvi †gqi I †cŠi KvDwÝjiMY, †emiKvix K‡j‡Ri Aa¨ÿ, miKvix/†emiKvix D”P we`¨vjq I miKvix cÖv_wgK we`¨vj‡qi cÖavb wkÿK, RvZxq ˆ`wbK cwÎKvi m¤úv`K, †bvUvix cvewjK Ges AvavmiKvix, ¯vqËkvwmZ I ivóªvqZ¡ ms ’v I miKvix gvwjKvbvaxb e¨vs‡Ki 1g †kÖYxi Kg©KZ©vMY‡K eySv‡e|

bwgbxi Av‡jvKwPÎ (MÖvnK KZ©„K mZ¨vwqZ)

cwiwkó-K

4

......................... e¨vsK / e¨vsK wjt ...............................kvLv


Ae¨w³K wnmve ZvwiLt............................... wnmve b¤ît ............................

BDwbK MÖvnK AvBwW †KvWt .............................. eë ’vcK e¨vs‡Ki bvgt ---------------- kvLvi bvgt ---------------- wcÖq g‡nv`q

Avwg/Avgiv Avcbvi kvLvq wbgœiƒc GKwU wnmve †Lvjvi Rb¨ Av‡e`b KiwQ| Avgvi/Avgv‡ì, cÖwZôv‡bi Ges wnmv‡ei we¯ÍvwiZ Z_¨ wb‡gœ cÖ`vb KiwQt 1| wnmv‡ei bvg t

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

2| cÖwZôv‡bi aiY (wUK w`b)t cÖvB‡fU wjwg‡UW †Kv¤úvbx cvewjK wjwg‡UW †Kv¤úvbx Askx`vix

†hŠ_ D‡`¨vM GKK gvwjKvbv miKvix Avav miKvix/¯^vqZ¡kvwmZ GbwRI/GbwcI

K¬ve/†mvmvBwU Ab¨vb¨ (wbw ©ófv‡e).......................................................................

3| wnmv‡ei cÖK„wZ (wUK w`b)t mÂqx PjwZ GmGbwW ’vqx ê‡`wkK gy`ªv Ab¨vb¨.....

4| gy`ªv (wUK w`b)t UvKv Wjvi BD‡iv cvDÛ Ab¨vb¨......

5| cÖwZôv‡bi wVKvbv t

(K) †iwRóvW© wVKvbv t.............................................................................................. (L) eëmv¯’j/Awd‡mi wVKvbv t.............................................................................................. (M) KviLvbv/wkí cÖwZôv‡bi wVKvbv t............................................................................................. 6| †UªW jvB‡mÝ b¤î t .................................................... ZvwiL t ..................................... Bmy¨Kvix KZ©„cÿ t....................................................................................................... 7| wbeÜb KZ©…cÿ I †`k t...................................................................................................... (†`kx /we‡`kx Dfq ai‡Yi Rb¨) 8| wbeÜb b¤î t...................................................... ZvwiL t ..................................

9| U¨v· AvBwW b¤î (TIN) t...................................................................................................

10| f¨vU †iwRt b¤î (hw` _v‡K) t...................................................................................................

11| eëmv‡qi cÖK…wZ (we¯ÍvwiZ) t ................................................................................................. ..................................................................................................

cwiwkó-K

5

12| MÖvn‡Ki Ab¨ †Kvb e¨vsK wnmve Av‡Q wK? n¨vu bv

DËi n¨vu n‡j--

e¨vsK I kvLvi bvg cwiPvjbvK…Z wnmv‡ei cÖK…wZ (wUK wPý w`b)

(K) ......................................................... Rgv wnmve FY wnmve Ab¨vb¨ (L) ......................................................... Rgv wnmve FY wnmve Ab¨vb¨ (M) ......................................................... Rgv wnmve FY wnmve Ab¨vb¨ (N) .............................................................. Rgv wnmve FY wnmve Ab¨vb¨ (O) .............................................................. Rgv wnmve FY wnmve Ab¨vb¨

13| cwiPq`vbKvixi Z_¨ t

(K) bvg t............................................................................................................

(L) wnmve bs t................................................................. .......................................... (M) kvLvi bvg t............................................................... .............................................

(N) ¯^vÿi (ZvwiLmn) t ............................................................................................................

(O) MÖvnK/ wnmve cwiPvjbvKvix (MY) Gi mv‡_ cwiwPwZi m~Î/m¤úK© ..................................................... cwiPq`vbKvixi Z_¨ cÖZ¨vqbKvix mswkøó e¨vsK kvLvi Kg©KZ©vi bvg I ¯^vÿi t........................................

14| cÖv_wgK Rgvi cwigvY t..................................................................................................

15| GdwWAvi msμvšÍ Z_¨t cwigvYt.............................................. gy`ªv t .....................................

†gqv`Kvj t eQi gvm w`b | ‡gqv`c~wZ©i ZvwiLt...........................

bevq‡bi †ÿ‡Î t Avmj Ges my` bevqb Kiæb

ïaygvÎ Avmj bevqb Kiæb, my` ...............................b¤î wnmv‡e Rgv Kiæb

cÖ‡hvR¨ b‡n|

16| we‡kl ¯‹xg msμvšÍ Z_¨t ¯‹x‡gi bvgt.......................................................................................................................... ¯‹x‡gi †gqv`t.................. GKKvjxb Rgv/ wKw¯Íi cwigvYt ................ wKw¯Íi msL¨v (evwl©K) t............. †gqv`v‡šÍ cÖ‡`qt.................................................... gvwmK cÖ‡`qt.............................................

17| A‡_©i Drm/Drmmg~n t (wbw`©ó I we¯ÍvwiZ D‡jøL Ki‡Z n‡e)............................................................

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

cwiwkó-K

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18| wnmve cwiPvjbvKvix msμvšÍ †NvlYv I ¯vÿit

Avwg/Avgiv GB g‡g© wbðqZv cÖ`vb KiwQ †h, Avwg/Avgiv wnmve msμvšÍ hveZxq wbqgvejx/kZv©ejx c‡owQ Ges D³ wbqgvejx/kZv©ejx †g‡b Pj‡Z eva¨ _vKe| Avwg/Avgiv mÁv‡b †NvlYv KiwQ †h, DwjøwLZ Z_¨vw` mZ¨| Avwg/Avgiv cÖ`Ë Z‡_ï AwZwi³ mswkøó †h †Kvb cÖ‡qvRbxq Z_¨/`wjjvw` Avcbvi Pvwn`v †gvZv‡eK mieivn Kie|

Av‡e`bKvixi ¯^vÿi, bvg, cèx, I ZvwiL

................................................. ................................................ ..................................... ................................................. ................................................ ..................................... ................................................. ................................................ ..................................... ÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑ

e¨vs‡Ki eënv‡ii Rb¨ gšÍe¨ t ...................................................................................................................................

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

wnmve †Lvjvi mv‡_ mswkøó Kg©KZ©vi bvghy³ mxjmn ¯^vÿi I ZvwiL

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

......................... Aby‡gv`bKvix Kg©KZ©vi


cwiwkó-K

7

GB digwU cyiYc~e©K e¨w³ I Ae¨w³K wnmv‡ei g~j As‡ki mv‡_ mshy³ Ki‡Z n‡e|

ZvwiLt............................... wnmve b¤ît .................................. BDwbK MÖvnK AvBwW †KvWt ..........................

1. wnmv‡ei bvg t ................................................................................................................

2. MÖvn‡Ki bvg/ wnmve cwiPvjbvKvixi bvg t ..............................................................................

2.wnmv‡ei mv‡_ m¤úK© (bx‡P cÖ‡hvR¨ †ÿ‡Î wUK w`b) t

1g Av‡e`bKvix 2q Av‡e`bKvix 3q Av‡e`bKvix cwiPvjK Askx`vi GKK mË¡vwaKvix

wnmveavix bvevjK AwffveK GUbx© †nvìvi wmM‡bUwiR cÖK…Z myweav‡fvMx Ab¨vb¨

3. wcZvi bvg t..............................................................................................

4. gvZvi bvg t..............................................................................................

5. ¯^vgx/¯¿xi bvg t.............................................................................................

6. RvZxqZv t..............................................................................................

7. Rb¥ ZvwiL t.............................................................................................

8. Rb¥ ’vb t.............................................................................................

9. wj½ (wUK w`b) t cyiæl gwnjv 10. †ckv (we¯ÍvwiZ D‡jøLc~e©K cÖ‡hvR¨ †ÿ‡Î e¨vs‡Ki Pvwn`v †gZv‡eK `wjjvw` cÖ`vb Ki‡Z n‡e) t ...............................................................................................................................................

11. cvm‡cvU© b¤î t .............................................................................................. 12. RvZxq cwiPqcÎ b¤î t .............................................................................................

13. Rb¥ wbeÜb mb`cÎ b¤î t .............................................................................................

[11 n‡Z 13 b¤î μwg‡K ewY©Z `wjjvw` n‡Z Avewk¨Kfv‡e †h †Kvb GKwU `wjj cÖ vb Ki‡Z n‡e| Z‡e Rb¥ wbeÜb mb` cÖ`vbc~e©K wnmve †Lvjvi †ÿ‡Î Rb¥ wbeÜb mb`c‡Îi AwZwi³ MÖvnK/wnmve cwiPvjbvKvixi Av‡jvKwPÎmn †h †Kvb cwiwPwZ cÎ cÖ vb Ki‡Z n‡e| Av‡jvKwPÎmn cwiwPwZ cÎ bv _vK‡j †m wel‡q e¨vs‡Ki mš‘wó mv‡c‡ÿ Zv‡ì wbKU MÖnY‡hvM¨ mgv‡Ri MY¨gvb¨ e¨w³2 KZ…©K cÖ`Ë cwiP‡qi cÖZ¨qb cÎ cÖ`vb Ki‡Z n‡e| D³ cwiwPwZ cÎ ev cÖZ¨qb cÎ MÖvnK/wnmve cwiPvjbvKvixi Av‡jvKwPÎmn n‡Z n‡e| GQvov, wb‡¤œi 14 n‡Z 16 b¤î μwg‡K ewY©Z `wjjvw`mn AwZwi³ Av‡iv ‡Kvb `wjjvw` Ges GB di‡g DwjøwLZ Z_¨vwì AwZwi³ Z_¨ MÖvn‡Ki cwiwPwZ wbwðZ nIqvi j‡ÿ¨ e¨vs‡Ki mš‘wói Rb¨ e¨vs‡Ki Pvwn`v †gvZv‡eK cÖ vb Ki‡Z n‡e|]

2 MY¨gvb¨ e¨w³ ej‡Z msm` m`m¨, wmwU K‡c©v‡ik‡bi †gqi, †WcywU †gqi I KvDwÝjiMY, cÖ_g †k ªYxi †M‡R‡UW Kg©KZ©v, cvewjK wek¦we`¨vj‡qi wkÿK, Dc‡Rjv cwil‡ì †Pqvig¨vb I fvBm †Pqvig¨vb, BDwbqb cwil‡ì †Pqvig¨vb, †cŠimfvi †gqi I †cŠi KvDwÝjiMY, †emiKvix K‡j‡Ri Aa¨ÿ, miKvix I †emiKvix D”P we`¨vjq I miKvix cÖv_wgK we`¨vj‡qi cÖavb wkÿK, RvZxq ˆ`wbK cwÎKvi m¤úv`K, †bvUvix cvewjK Ges AvavmiKvix,¯^vqËkvwmZ I ivóªvqZ¡ ms¯’v I ivóvqZ¡ e¨vs‡Ki 1g †kÖYxi Kg©KZ©vMY‡K eySv‡e|


wnmve †Lvjvi dig t e¨w³ msμvšÍ Z_¨vejx

e¨w³i Av‡jvKwPÎ

cwiwkó-K

8

14. U¨v· AvBwW b¤î (hw` _v‡K) t ...........................................................................................

15. f¨vU †iwR‡óªkb b¤i (hw` _v‡K) t .............................................................................................

16. WªvBwfs jvB‡mÝ b¤i (hw` _v‡K) t ............................................................................................

17. Ab¨vb¨ (wbw`©ófv‡e D‡jøL Ki‡Z n‡e) t ----------------------------------------------------

18. eZ©gvb wVKvbv (Avevm ’j) t............................................................................

19. ¯’vqx wVKvbv t.................................................................................

20. †ckvMZ wVKvbv t.................................................................................

21. †hvMv‡hvM t

(K) wVKvbv

(L) †Uwj‡dvb b¤î t (1) evmv ......................................... (2) Awdm .......................................

(M) †gvevBj b¤î t (1) ................................... (2) .............................................

(N) B-†gBj t......................................... (O) d¨v· b¤î t ...............................

22. †μwWU KvW© msμvšÍ Z_¨ (hw` _v‡K) t

BmÿKvix cÖwZôvb I KvW© b¤î t (K) ’vbxq (Local) ......................................................................

(L) AvšÍR©vwZK (International) .................................................................

23. †iwm‡W›U ÷¨vUvm (wUK w`b) t †iwm‡W›U bb-†iwm‡W›U

(cÖ‡qvRbxq †ÿ‡Î e¨vsK MvBWjvBÝ di d‡ib G·‡PÄ Uªvb‡RKkbm& Gi wb‡ ©kbv AbymiY K‡i Z_¨ msMÖn Ki‡e)

¯^vÿi (ZvwiLmn)

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

......................... ............................ wnmve †Lvjvi mswkøó Kg©KZ©vi Aby‡gv`bKvix Kg©KZ©vi bvghy³ mxjmn ¯^vÿi bvghy³ mxjmn ^vÿi

MÖvnK/ wnmve cwiPvjbvKvixi Proof of address Gi mc‡ÿ WKz‡g›Um msMÖn Ki‡Z n‡e

cwiwkó-K

9



†jb‡`‡bi AbywgZ gvÎv (Transaction Profile) (e¨w³K I Ae¨w³K Dfq cÖK…wZi wnmv‡ei Rb¨ cÖ‡hvR¨)

wnmv‡ei bvg t wnmve b¤î t

Rgv m¤¢ve¨ gvwmK Rgvi msL¨v

gv‡m m¤¢ve¨ m‡ev©”P GKK Rgvi cwigvY

m¤¢ve¨ gvwmK ‡gvU Rgvi cwigvY

bM` Rgv (‡h †Kvb kvLv I GwUGg Rgvmn)

UªvÝdvi/ BÝUªy‡g›U Gi gva¨‡g Rgv

d‡ib †iwgU¨vÝ Rgv

ißvbx n‡Z Avq

Ab¨vb¨ (wbw`©ófv‡e)..........................

†gvU m¤¢ve¨ gvwmK Rgvi cwigvY

D‡Ëvjb

m¤¢ve¨ gvwmK D‡Ëvj‡bi msL¨v

gv‡m m¤¢ve¨ m‡ev©”P GKK D‡Ëvj‡bi cwigvY

m¤¢ve¨ gvwmK ‡gvU D‡Ëvj‡bi cwigvY

bM` D‡Ëvjb (†h †Kvb kvLv I GwUGg D‡Ëvjbmn)

UªvÝdvi/BÝUªy‡g›U Gi gva¨‡g cwi‡kva

d‡ib †iwgU¨vÝ D‡Ëvjb

Avg`vbx eve` e¨q

Ab¨vb¨ (wbw`©ófv‡e)...........................

†gvU m¤¢ve¨ gvwmK D‡Ëvj‡bi cwigvY

Avwg/Avgiv wbgœ ^vÿiKvix(MY) G g‡g© wbðqZv cÖ vb KiwQ †h, †jb‡`‡bi AbywgZ gvÎv Avgvi/cÖwZôv‡bi ^vfvweK m¤¢ve¨ †jb‡`b| Avwg/Avgiv Av‡iv wbðqZv cÖ vb KiwQ †h, cÖ‡qvRb‡ev‡a Avwg/Avgiv †jb‡`‡bi AbywgZ gvÎv ms‡kvab/nvjbvMv` Kie|

1| MÖvnK/wnmve cwiPvjbvKvix 2| MÖvnK/wnmve cwiPvjbvKvix ¯^vÿi t ¯^vÿi t

bvg t cèx t ZvwiL t

bvg t cèx t ZvwiL t

m¤¢ve¨ †jb‡`‡bi AbywgZ gvÎv MÖnYKvix e¨vsK Kg©KZ©vi bvgt

cèxt ¯^vÿit

cwiwkó-K

10

MÖvnK cwiwPwZ m¤úwK©Z dig (KYC Profile Form) t (we‡kl ¯‹xg/ ’vqx Avgvb‡Zi †¶‡Î cÖ‡hvR¨)

1. wnmv‡ei bvg t

2. wnmv‡ei cÖK…wZ t

3. wnmve b¤i t

4. BDwbK MÖvnK AvBwW †KvW t

5. MÖvn‡Ki †ckv (we¯ÍvwiZ) t

6. MÖvn‡Ki gvwmK m¤¢ve¨ Avq t

7. A‡_©i Drm/Drmmg~n (we¯ÍvwiZ) t

8. A‡_©i Drm wbwðZ Kiv Kivi †¶‡Î msM„nxZ `wjjvw` t

9. wnmveavixi wVKvbv(mg~n) wKfv‡e hvPvB Kiv n‡q‡Q (we¯ÍvwiZ)? ....................................................

10. wnmv‡ei cÖK…Z myweav‡fvMx (Beneficial Owner) m¤úwK©Z Z_¨vw` t (‡Kv¤úvbxi †ÿ‡Î wbqš¿YKvix †kqvi †nvìvi A_ev 20% ev Z`yaŸ© GKK †kqvi †nvìvi‡K wnmv‡ei cÖK„Z myweav‡fvMx we‡ePbvq Zvi/Zv‡ì cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki‡Z n‡e e¨w³K wnmv‡ei †ÿ‡ÎI cÖK…Z myweav‡fvMx wPwýZKiZt †KIqvBwm m¤úv`b Ki‡Z n‡e)

11. cvm‡cvU© b¤î t ........................................ d‡UvKwc M„nxZ wKbv? t n uv / bv (cÖ‡hvR¨ †¶‡Î) 12. RvZxq cwiPqcÎ b¤î t .............................. d‡UvKwc M„nxZ wKbv? t n uv / bv (cÖ‡hvR¨ †¶‡Î) 13. Rb¥ wbeÜb mb`cÎ b¤î t ............................ d‡UvKwc M„nxZ wKbv? t n uv / bv (cÖ‡hvR¨ †¶‡Î) 14. U¨v· AvBwW b¤î t .................................... d‡UvKwc M„nxZ wKbv? t n uv / bv (cÖ‡hvR¨ †¶‡Î) 15. f¨vU †iwRt b¤î t ...................................... d‡UvKwc M„nxZ wKbv? t n uv / bv (cÖ‡hvR¨ †¶‡Î) 16. WªvBwfs jvB‡mÝ b¤î t ................................. d‡UvKwc M„nxZ wKbv? t n uv / bv (cÖ‡hvR¨ †¶‡Î) 17. Ab¨vb¨ t ...............................................................................................................

18. Awbevmx (Non-resident) Ges we‡`kx‡ì wnmve †Lvjvi D‡Ïk¨t (cÖ‡hvR¨

†ÿ‡Î)................................................

(K) wfmvi cÖK…wZ..................................................................................

(L) Kg©vbygwZ (Work Permit) cÖvß‡ì wnmve †Lvjvi †ÿ‡Î Kg©vbygwZ (Work Permit) cÎ I e¨vsK wnmve †Lvjvi Rb¨ h_vh_ KZ©„c‡ÿi Aby‡gv`b i‡q‡Q wKbv? t nüv / bv (cÖ‡hvR¨†ÿ‡Î)

.................................................................................................................................. 19. cwjwUK¨vwj G·‡cvmW& cvimbm& (PEPs)/cÖfvekvjx e¨w³/ AvšÍR©vwZK ms¯’vi cÖavb Ges Zv‡ì

close assosiates Gi †ÿ‡Î (G mvK©yjv‡i ewY©Z msÁv Abymv‡i) t (cÖ‡hvR¨ †ÿ‡Î)

K. wmwbqi g¨v‡bR‡g›U n‡Z Aby‡gv`b †bqv n‡q‡Q wK bv? nüv / bv L. MÖvn‡Ki ms‡M gy‡LvgywL mvÿvrKvi †bqv n‡q‡Q t nüv / bv

20. mswkøó AvBb, wewagvjv I mvKz©jv‡ii Av‡jv‡K MÖvn‡Ki bvg RvwZms‡Ni wbivcËv cwil‡ì wewfbœ †iRyjyk‡bi AvIZvq mš¿vm, mš¿vmx Kvh© I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i A_©vq‡b RwoZ m‡›`‡n

cwiwkó-K

11

ZvwjKvfy³ †Kvb e¨w³ ev mËv Ges evsjv‡`k miKvi KZ©„K ZvwjKvfy³ ‡Kvb e¨w³ ev wbwl× †NvwlZ mËvi bv‡gi ZvwjKvi mv‡_ hvPvB evQvBc~e©K†Kvbiƒc wgj cvIqv wM‡q‡Q wKbv ? t nüv / bv

21. DËi nu¨v n‡j G welqK M„nxZ eë¯’vi weeiY t

22. wi¯‹ †MÖwWs t

D”P wb¤œ

(e¨vsK MÖvn‡Ki eëmv‡qi ev †ckvi cÖK…wZ, eëmv‡qi GjvKv, eëmv‡qi AvKvi, wnmv‡ei cÖK…Z myweav‡fvMx cÖf…wZ welqmg~n we‡ePbvq wb‡q MÖvn‡Ki SuywK wba©viY Ki‡e Ges Zvi mc‡ÿ gšÍe¨ cÖ`vb Ki‡e)

cÖ¯‘ZKvix t

(wnmve †Lvjvi mswkøó Kg©KZ©v e¨wZ‡i‡K Ab¨ †Kvb Kg©KZ©v/ kvLv gvwbjÛvwis cÖwZ‡iva

cwicvjb Kg©KZ©v)

¯^vÿi (mxjmn) t bvg t ZvwiL t

Aby‡gv`bKvix Kg©KZ©v t (kvLv eë ’vcK)


23. wnmve I MÖvnK msμvšÍ Z_¨vw` me©‡kl ch©v‡jvPbv Ges nvjbvMv` (Review & Update ) Kivi ZvwiLt ................................................................................................................................

ch©v‡jvPbv Ges nvjbvMv`Kvix Kg©KZ©vi

bvg (mxjmn) ^v¶i I ZvwiL

cwiwkó-K

12

MÖvnK cwiwPwZ m¤úwK©Z dig (KYC Profile Form) t (we‡kl ¯‹xg/¯’vqx AvgvbZ e¨ZxZ e¨w³ I cÖwZôv‡bi Ab¨vb¨ wnmve †Lvjvi †ÿ‡Î cÖ‡hvR¨)

1. wnmv‡ei bvg t 2. wnmv‡ei cÖK…wZ t 3. wnmve b¤î t 4. BDwbK MÖvnK AvBwW †KvW t 5. MÖvn‡Ki †ckv (we ÍvwiZ) t 6. MÖvn‡Ki gvwmK m¤¢ve¨ Avq t 7. A‡_©i Drm/Drmmg~n (we¯ÍvwiZ) t 8. A‡_©i Drm wbwðZ Kiv Kivi †¶‡Î msM„nxZ `wjjvw` t

9. wnmveavixi wVKvbv (mg~n) wKfv‡e hvPvB Kiv n‡q‡Q (we¯ÍvwiZ)? .............................................

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

10. wnmv‡ei cÖK…Z myweav‡fvMx (Beneficial Owner) m¤úwK©Z Z_¨vw` (‡Kv¤úvbxi †ÿ‡Î 20% ev Gi AwaK GKK †kqvi †nvìvi Gi we ÍvwiZ Z_¨vw` msMÖnc~e©K †KIqvBwm m¤úv`b Ki‡Z n‡e | GQvovI †Kv¤úvbxi wbqš¿bKvix †kqvi †nvìvi Gi we ÍvwiZ Z_¨vw` msMÖnc~e©K †KIqvBwm m¤úv`b Ki‡Z n‡e| e¨w³K wnmv‡ei †ÿ‡ÎI cÖK…Z myweav‡fvMx wPwýZKiZt †KIqvBwm m¤úv`b Ki‡Z n‡e) |

11. cvm‡cvU© b¤î t ........................................ d‡UvKwc M„nxZ wKbv? t n uv / bv (cÖ‡hvR¨ †¶‡Î)

12. RvZxq cwiPqcÎ b¤î t .............................. d‡UvKwc M„nxZ wKbv? t n uv / bv (cÖ‡hvR¨ †¶‡Î)

13. Rb¥ wbeÜb mb`cÎ b¤î t ............................ d‡UvKwc M„nxZ wKbv? t n uv / bv (cÖ‡hvR¨ †¶‡Î)

14. U¨v· AvBwW b¤î t .................................... d‡UvKwc M„nxZ wKbv? t n uv / bv (cÖ‡hvR¨ †¶‡Î)

15. f¨vU †iwRt b¤î t ...................................... d‡UvKwc M„nxZ wKbv? t n uv / bv (cÖ‡hvR¨ †¶‡Î)

16. WªvBwfs jvB‡mÝ b¤î t ................................. d‡UvKwc M„nxZ wKbv? t n uv / bv (cÖ‡hvR¨ †¶‡Î)

17. Ab¨vb¨ t -------------------------------------------------------------------------------------

18. Awbevmx (Non-resident) Ges we‡`kx‡ì wnmve †Lvjvi D‡Ïk¨t (cÖ‡hvR¨ †ÿ‡Î)

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

(K) wfmvi cÖK…wZ..................................................................................

(L) Kg©vbygwZ (Work Permit) cÖvß‡ì wnmve †Lvjvi †ÿ‡Î Kg©vbygwZ (Work Permit) cÎ I e¨vsK wnmve †Lvjvi Rb¨ h_vh_ KZ©„c‡ÿi Aby‡gv`b i‡q‡Q wKbv? t nüv / bv (cÖ‡hvR¨†ÿ‡Î)

19. cwjwUK¨vwj G·‡cvmW& cvimbm& (PEPs)/cÖfvekvjx e¨w³/ AvšÍR©vwZK ms¯’vi cÖavb Ges Zv‡ì close assosiates Gi †ÿ‡Î (G mvK©yjv‡i ewY©Z msÁv Abymv‡i) t (cÖ‡hvR¨ †ÿ‡Î)

K. wmwbqi g¨v‡bR‡g›U n‡Z Aby‡gv`b †bqv n‡q‡Q wK bv? nüv / bv L. MÖvn‡Ki ms‡M gy‡LvgywL mvÿvrKvi †bqv n‡q‡Q t nüv / bv

cwiwkó-K

13

20. mswkøó AvBb, wewagvjv I mvKz©jv‡ii Av‡jv‡K MÖvn‡Ki bvg RvwZms‡Ni wbivcËv cwil‡ì wewfbœ †iRyjyk‡bi AvIZvq mš¿vm, mš¿vmx Kvh© I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i A_©vq‡b RwoZ m‡›`‡n ZvwjKvfy³ †Kvb e¨w³ ev mËv Ges evsjv‡`k miKvi KZ©„K ZvwjKvfy³ ‡Kvb e¨w³ ev wbwl× †NvwlZ mËvi bv‡gi ZvwjKvi mv‡_ hvPvB evQvBc~e©K†Kvbiƒc wgj cvIqv wM‡q‡Q wKbv ? t nüv / bv

21. DËi nu¨v n‡j G welqK M„nxZ eë¯’vi weeiY t 22. MÖvnK wK K‡ib/cÖwZôvbwU wK ai‡Yi eëmv‡q wb‡qvwRZ i‡q‡Q?

μwgK bs cÖK…wZ wi¯‹ †j‡fj ‡¯‹vi 01 Ry‡qjvix eëmv/¯^‡Y©i eëmv /g~jëvb avZzi eëmv D”P 5 02 gvwb †PÄvi /Kzwiqvi mvwf©m/‡gvevBj e¨vswKs

G‡R›U/G‡R›U e¨vswKs D”P 5

03 wi‡qj G‡÷U †Wfjcvi/ G‡R›U D”P 5 04 wbg©vY cÖK‡íi wVKv`vi D”P 5 05 Ad‡mvi K‡c©v‡ikb D”P 5 06 wPÎKjv/A¨vw›U‡Ki wWjvi D”P 5 07 ‡iu‡ Íviv/evi/bvBU K¬ve/AvevwmK †nv‡Uj/cvj©vi eëmv D”P 5 08 Avg`vbx/ißvbx I Avg`vbx/ißvbx G‡R›U D”P 5 09 Mv‡g©›Um eëmv D”P 5 10 ‡kqvi/÷K wWjvi, †eªvKvi, †cvU©‡dvwjI g¨v‡bRvi,

gv‡P©›U e¨vsKvi D”P 5

11 ‡kqvi/÷K eëmvq wewb‡qvMKvix D”P 5 12 GbwRI/GbwcI D”P 5 13 Rbkw³ ißvbx eëmv D”P 5 14 Pjw”PÎ cÖ‡hvRbv/cwi‡ekbv ms¯’v D”P 5 15 A‡¯¿i eëmv D”P 5 16 †gvevBj †dvb Acv‡iUi D”P 5 17 ivR‰bwZK `j D”P 5 18 K¬ve D”P 5 19 †mvmvBwU D”P 5 20 Uªv÷ D”P 5 21 P¨vwiwU D”P 5 22 Uªv‡fj G‡R›U D”P 5 23 cwienb eëmvqx D”P 5 24 A‡UvwWjvi (wiKwÛkÛ Mvox) D”P 5 25 Kw¤úDUvi/†gvevBj †dv‡bi wWjvi D”P 5 26 ‡d«BU/wkwcs/Kv‡Mv© G‡R›U D”P 5 27 wjwRs/dvBb¨vÝ †Kv¤úvbx ga¨g 3 28 BÝy¨‡iÝ/†eªvKv‡iR G‡RÝx ga¨g 3 29 agx©q cÖwZôvb/ms ’v ga¨g 3 30 we‡bv`bKvix cÖwZôvb/cvK© ga¨g 3 31 ‡gvUi cvU©m Gi eëmv ga¨g 3

cwiwkó-K

14

32 ZvgvK I wmMv‡i‡Ui eëmv ga¨g 3 33 Drcv`bKvix cÖwZôvb ga¨g 3 34 PvKzix (†eZb wnmve e¨ZxZ Ab¨ wnmve) ga¨g 3 35 QvÎ ga¨g 3 36 M„wnbx ga¨g 3 37 A‡Uv cÖvBgvix (bZzb Mvox) ga¨g 3 38 ‡`vKv‡bi gvwjK (LyPiv) wbgœ 2 39 eëmv-G‡R›U wbgœ 2 40 ¶z`ª eëmvqx (evwl©K Uvb©Ifvi 50 jÿ UvKvi bx‡P) wbgœ 2 41 evox wbgv©Y mvgMÖxi eëmv wbgœ 2 42 mdU&Iq¨vi eëmv wbgœ 2 43 PvKzix (ïaygvÎ †eZb wnmve) wbgœ 1 44 PvKzix n‡Z Aemi MÖnYKvix wbgœ 1 45 K…wlRxex wbgœ 1 46 Ab¨vb¨

(e¨vsK MÖvn‡Ki eëmv‡qi ev †ckvi cÖK…wZ, eëmv‡qi GjvKv, eëmv‡qi AvKvi, wnmv‡ei cÖK…Z myweav‡fvMx cÖf…wZ welqmg~n we‡ePbvq wb‡q MÖvnK †f‡` 27-46 μwg‡K DwjøwLZ †ckvi †ÿ‡Î ewY©Z †¯‹vi A‡cÿv D”PZi †¯‹vi cÖ`vb Ki‡e|)

23. MÖvn‡Ki bxU m¤ú‡ì (Net Worth) cwigvY t

cwigvY (UvKvq) wi¯‹ †j‡fj wi¯‹ †iwUs 1-50 j¶ wbgœ 0 >50 j¶- 2 †KvwU ga¨g 1 >2†KvwU D”P 3

24. wnmve †Lvjvi aiY t

aiY wi¯‹ †j‡fj wi¯‹ †iwUs wi‡jkbkxc g¨v‡bRvi/kvLv KZ©„K wbgœ 0 WvB‡i± †mjm& G‡R›U KZ©„K ga¨g 2 B›Uvi‡bU D”P 3 AhvwPZ/ ¯^cÖ‡Yvw`Zfv‡e D”P 3

25.MÖvn‡Ki AbywgZ gvwmK †jb‡`‡bi cwigvY t

PjwZ wnmv‡e †jb‡`‡bi cwigvY (j¶ UvKvq)

mÂqx wnmv‡e †jb‡`‡bi cwigvY (j¶ UvKvq)

wi¯‹ †j‡fj wi¯‹ †iwUs

0-10 0-5 wbgœ 0 >10-50 >5-20 ga¨g 1 >50 >20 D”P 3

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26. MÖvn‡Ki AbywgZ gvwmK †jb‡`‡bi msL¨v t

PjwZ wnmv‡e †jb‡`‡bi msL¨v mÂqx wnmv‡e †jb‡`‡bi msL¨v wi¯‹ †j‡fj wi¯‹ †iwUs 0-100 0-20 wbgœ 0 >100-250 >20-50 ga¨g 1 >250 >50 D”P 3

27. MÖvn‡Ki AbywgZ gvwmK bM` †jb‡`‡bi cwigvY t

PjwZ wnmv‡e †jb‡`‡bi cwigvY (jÿ UvKvq)

mÂqx wnmv‡e †jb‡`‡bi cwigvY (jÿ UvKvq)

wi¯‹ †j‡fj wi¯‹ †iwUs

0-10 0-2 wbgœ 0 10-25 2-7 ga¨g 1 >25 >7 D”P 3

28. MÖvn‡Ki AbywgZ gvwmK †jb‡`‡bi msL¨v t PjwZ wnmv‡e †jb‡`‡bi

msL¨v mÂqx wnmv‡e †jb‡`‡bi

msL¨v wi¯‹ †j‡fj wi¯‹ †iwUs

0-15 0-5 wbgœ 0 15-30 5-10 ga¨g 1 >30 >10 D”P 3

29. mvwe©K SzuwK wbiƒcY (Dc‡ii 22 n‡Z 28 b¤i μwgK ch©šÍ wi¯‹ †iwUs Gi †hvMdj) t

wi¯‹ †iwUs SuywKi cÖK…wZ >=14 D”P <14 wbgœ

gšÍe¨ t (* wi¯‹ †iwUs 14 Gi Kg n‡jI KviY D‡jøLc~e©K Subjective we‡ePbvq MÖvnK‡K D”P SuywK m¤úbœ wn‡m‡e wbiƒcY Kiv †h‡Z cv‡i)

cÖ¯‘ZKvix t (wnmve †Lvjvi mswkøó Kg©KZ©v e¨wZ‡i‡K

Ab¨ †Kvb Kg©KZ©v/ kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v)


Aby‡gv`bKvix Kg©KZ©v t (kvLv eë ’vcK)


30. wnmve I MÖvnK msμvšÍ Z_¨vw` me©‡kl ch©v‡jvPbv Ges nvjbvMv` (Review & Update ) Kivi ZvwiLt ch©v‡jvPbv Ges nvjbvMv`Kvix Kg©KZ©v t

¯^v¶i (mxjmn) t bvg t ZvwiL t

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Ae¨w³K wnmv‡ei Rb¨ cÖ‡qvRbxq Z_¨vwì wb‡`©kK (Indicative) ZvwjKv|\

( cÖ‡Z¨K e¨vsK h_vh_fv‡e MÖvn‡Ki cwiwPwZ I Customer Due diligence m¤úv`b Kivi D‡Ï‡k¨ e¨vs‡Ki mš‘wó mv‡c‡ÿ G ZvwjKvq ewY©Z Z‡_ï AwZwi³ Z_¨ I `wjjvw` msMÖn Ki‡Z cvi‡e| Ôe¨vs‡Ki mš‘wó mv‡c‡ÿÕ Gi e¨vL¨v g~j mvKz©jv‡ii 3.2 (3) Aby‡”Q‡` cÖ`vb Kiv n‡q‡Q)|

(K) K‡c©v‡iU ev eëmvwqK cÖwZôv‡bi wnmve t (1) e¨w³ gvwjKvaxb cÖwZôvb t †UªW jvB‡mÝmn wnmve cwiPvjbvKvixi (cÖwZôv‡bi ¯^ËvwaKvixi) wel‡q Òe¨w³

msμvšÍ Z_¨vejxÓ dig h_vh_fv‡e c~iY Ki‡Z n‡e|

(2) cvU©bvikxc t cvU©bvikxc wWW, †UªW jvB‡mÝmn Askx`viM‡Yi cwiwPwZi wel‡q Òe¨w³ msμvšÍ Z_¨vejxÓ dig h_vh_fv‡e c~iYmn †ewbwdwkqvj Ibvi Gi msÁv Abyhvqx cÖ‡Z¨K cvU©bvi/‡kqvi‡nvìv‡ii dig c~iY Ki‡Z n‡e|

(3) wjwg‡UW †Kv¤úvbx t mvwU©wd‡KU Ae BbK‡c©v‡ikb, AvwU©‡Kjm Ae G‡mvwm‡qkb, †g‡gv‡iÛvg Ae G‡mvwm‡qkb, †ev‡W©i mfvq M„nxZ AvbyôvwbK wm×všÍ (resolution), cwiPvjK m¤úwK©Z †NvlYv Ges wnmve cwiPvjbvKvixi wel‡q Òe¨w³ msμvšÍ Z_¨vejxÓ dig h_vh_fv‡e c~iYmn †ewbwdwkqvj Ibvi Gi msÁv Abyhvqx cÖ‡Z¨K cwiPvj‡Ki/‡kqvi‡nvìv‡ii Òe¨w³ msμvšÍ Z_¨vejxÓ dig c~iY Ki‡Z n‡e| (†Kv¤úvbx ev Zuvi cwiPvjKM‡Yi wel‡q cÖ‡qvR‡b Z_¨vwì mwVKZv hvPvB‡qi j‡ÿ¨ †iwR÷ªvi Ae R‡q›U ÷K †Kv¤úvbxR GÛ dvg©m& Gi mvnvh¨ MÖnY Kiv †h‡Z cv‡i| evsjv‡`‡ki evB‡i wbewÜZ †Kv¤úvbxi †ÿ‡Î wbeÜb `wjjvw` †h ’vb n‡Z Bmy¨K…Z n‡q‡Q, cÖ‡qvR‡b ‡mLv‡b †hvMv‡hvM K‡i `wjjvwì h_v_©Zv m¤ú‡K© wbwðZ nIqv ‡h‡Z

cv‡i)|

(L) miKvix wnmve (wewfbœ gš¿Yvjq, wefvMmn), miKvix gvwjKvbvaxb cÖwZôvb, Avav miKvix ev ¯^vqËkvwmZ cÖwZôv†bi wnmve, wewfbœ gš¿Yvj‡qi Aax‡b cwiPvwjZ cÖK‡íi wnmve t wnmve †Lvjv I cwiPvjbvi Rb¨ mswkøó Dchy³ KZ©„cÿ KZ©„K cÖ`Ë AbygwZ cÎmn wnmve cwiPvjbvKvixi Òe¨w³ msμvšÍ Z_¨vejxÓ dig h_vh_fv‡e c~iY Ki‡Z n‡e|

(M) Ab¨vb¨ msMV‡bi wnmve t

(1) K¬ve/†mvmvBwU t Awdm Kg©KZ©vM‡Yi weeiY (office bearers), evB-jR ev msweavb, †iwR÷vW© n‡j miKvix Aby‡gv`bcÎ BZ¨vw`mn mswkøó Òe¨w³ msμvšÍ Z_¨vejxÓ dig h_vh_fv‡e c~iY Ki‡Z n‡e|

(2) mgevq mwgwZ/wjwg‡UW †mvmvBwU t †Kv-Acv‡iwUf Kg©KZ©v KZ©„K mZ¨vwqZ evB-jR, Awdm Kg©KZ©v‡ì (office bearers) weeiY, wnmve ‡Lvjvi wel‡q wm×všÍ (resolution), mvwU©wd‡KU Ae †iwR‡÷ªkb BZ¨vw`mn mswkøó Òe¨w³ msμvšÍ Z_¨vejxÓ dig h_vh_fv‡e c~iY Ki‡Z n‡e|

(3) ‡emiKvix ¯‹zj, K‡jR, gv`ªvmv t Mfwb©s ewW ev g¨v‡bwRs KwgwUi m`m¨M‡Yi c~Y© cwiwPwZ, wnmve ‡Lvjvi wel‡q wm×všÍ (resolution) BZ¨vw`mn mswkøó Òe¨w³ msμvšÍ Z_¨vejxÓ dig h_vh_fv‡e c~iY Ki‡Z n‡e|

(4) Uªvw÷ t wWW Ae Uªv÷ Gi mvwU©dvBW Kwc, Uªvwó †evW© Gi m`m¨M‡Yi c~Y© cwiwPwZ, wnmve ‡Lvjvi wel‡q wm×všÍ (resolution) BZ¨vw`mn mswkøó Òe¨w³ msμvšÍ Z_¨vejxÓ dig h_vh_fv‡e c~iY Ki‡Z n‡e|

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ANTI-MONEY LAUNDERING & COMBATING FINANCING of TERRORISM QUESTIONNAIRE FOR CORESPONDENT RELATIONSHIP

A. BASIC INFORMATION 1. Name of Institution: ____________________________________________ 2. Registered Address: ____________________________________________

____________________________________________ 3. Website Address: ____________________________________________ 4. Principal Business Activities: ______________________________________

5. Regulatory Authority: ____________________________________________ 6. Operational Status:

• Does your Bank maintain a physical presence in the licensing country? Yes / No B. OWNERSHIP / MANAGEMENT

7. Is your institution listed on any stock exchange? If so, which stock exchange? ___________________________________________________

Yes / No

8. If ‘’No’’ to Q7, please provide a list of the major shareholders holding more than 10% shares in your institution. ___________________________________________________ ___________________________________________________

C. ANTI-MONEY LAUNDERING AND TERRORIST FINANCING CONTROLS

If you answer “no” to any question, additional information can be supplied at the end of the questionnaire.

I. General AML&CFT Policies, Practices and Procedures: 9. Does your institution have in place policies and procedures approved

by your institution’s board or senior management to prevent Money Laundering and Combat Financing of Terrorism?

Yes / No

10. Does your institution have a legal and regulatory compliance program that includes a designated officer that is responsible for coordinating and overseeing the AML/CFT framework?

Yes / No

11. Has your institution developed written policies documenting the processes that they have in place to prevent, detect and report suspicious transactions?

Yes / No

12. Does your institution have a policy prohibiting accounts/relationships with shell banks? (A shell bank is defined as a bank incorporated in a jurisdiction in which it has no physical presence and which is unaffiliated with a regulated financial group.)

Yes / No

13. Does your institution permit the opening of anonymous or numbered accounts by customers?

Yes / No

14. Does your institution have policies to reasonably ensure that they will not conduct transactions with or on behalf of shell banks through any of its accounts or products?

Yes / No

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15. Does your institution have policies covering relationships with Politically Exposed Persons (PEP’s), their family and close associates?

Yes / No

16. Does your institution have policies and procedures that require keeping all the records related to customer identification and their transactions? If ‘’Yes’’, for how long?____________________________________

Yes / No

II. Risk Assessment

17. Does your institution have a risk-based assessment of its customer base and their transactions?

Yes / No

18. Does your institution determine the appropriate level of enhanced due diligence necessary for those categories of customers and transactions that the FI has reason to believe pose a heightened risk of illicit activities at or through the FI?

Yes / No

III. Know Your Customer, Due Diligence and Enhanced Due Diligence

19.

Has your institution implemented processes for the identification of those customers on whose behalf it maintains or operates accounts or conducts transactions?

Yes / No

20. Does your institution have a requirement to collect information regarding its customers’ business activities?

Yes / No

21. Does your institution have a process to review and, where appropriate, update customer information relating to high risk client information?

Yes / No

22. Does your institution have procedures to establish a record for each new customer noting their respective identification documents and ‘Know Your Customer’ information?

Yes / No

23. Does your institution complete a risk-based assessment to understand the normal and expected transactions of its customers?

Yes / No

IV. Reportable Transactions for Prevention and Detection of ML/TF 24. Does your institution have policies or practices for the identification

and reporting of transactions that are required to be reported to the authorities?

Yes / No

25. Where cash transaction reporting is mandatory, does your institution have procedures to identify transactions structured to avoid such obligations?

Yes / No

26. Does your institution screen customers and transactions against lists of persons, entities or countries issued by government/competent authorities or under the UN security Council Resolution?

Yes / No

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27. Does your institution have policies to reasonably ensure that it only operates with correspondent banks that possess licenses to operate in their countries of origin?

Yes / No

IV. Transaction Monitoring

28. Does your institution have a monitoring program for unusual and potentially suspicious activity that covers funds transfers and monetary instruments such as travelers checks, money orders, etc?

Yes / No

V. AML Training

29. Does your institution provide AML& CFT training to relevant employees of your organisation?

Yes / No

30. Does your institution communicate new AML related laws or changes to existing AML related policies or practices to relevant employees?

Yes / No

31. Does your institution provide AML training to relevant third parties if they are employed to carry out some of the functions of your organisation?

Yes / No

Space for additional information: (Please indicate which question the information is referring to.) .............................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................. D. GENERAL

32. Does the responses provided in this Declaration applies to the following entities:

Head Office and all domestic branches Overseas branches Domestic subsidiaries Overseas subsidiaries

Yes / No

If the response to any of the above is ‘’No’’, please provide a list of the branches and /or subsidiaries that are excluded, including the name of the institution, location and contact details. I, the undersigned, confirm to the best of my knowledge that the information provided in this questionnaire is current, accurate and representative of the anti-money laundering and anti-terrorist financing policies and procedures that are established in my institution. I also confirm that I am authorized to complete this questionnaire on behalf of my institution.

Signature: ____________________________________ Name: ____________________________________ Designation: ____________________________________ Date: ____________________________________ Contact No: ____________________________________ Email: ____________________________________

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SUSPICIOUS TRANSACTION REPORT (STR) FORM A. Reporting Institution : 1. Name of the Bank:

2. Name of the Branch: B. Details of Report: 1. Date of sending report:

2. Is this the addition of an earlier report? Yes No

3.If yes, mention the date of previous report C. Suspect Account Details : 1. Account Number:

2. Name of the account:

3. Nature of the account: (Current/savings/FDR/loan/other, pls. specify) 4. Nature of ownership: (Individual/proprietorship/partnership/company/other, pls. specify) 5.Date of opening/Transaction:

6. Address: D. Account holder details : 1. 1. Name of the account holder:

2. Address:

3. Profession:

4. Nationality:

5. Other account(s) number (if any):

6. Other business:

7. Father’s name:

8. Mother’s Name:

9. Date of birth:

10.Place of birth:

11.Passport No.

12.National Identification No.

13. Birth Regoistration No.

14. TIN: 2. 1. Name of the account holder:

2. Relation with the account holder mention in sl. no. D1

3. Address:

4. Profession:

5. Nationality:

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6. Other account(s) number(if any):

7. Other business:

8. Father’s name:

9. Mother’s Name:

10. Date of birth:

11. Place of birth:

12.Passport No.

13.National Identification No.

14. Birth Regoistration No.

15. TIN: E. Introducer Details : 1. Name of introducer:

2. Account number:

3.Relation with account holder:

4. Address:

5. Date of opening:

6. Whether introducer is maintaining good relation with bank

F. Reasons for considering the transaction(s) as suspicious?

(Mention summery of suspicion and consequence of events) [To be filled by the BAMLCIO] a. Identity of clients

b. Activity in account

c. Background of client

d. Multiple accounts

e. Nature of transaction

f. Value of transaction

g. Other reason (Pls. Specify)

G. Suspicious Activity Information Summary characterization of suspicious activity:

a. Corruption and bribery

k. murder, grievous physical injury

u. terrorism or financing in terrorist activities

b.

counterfeiting currency

l. trafficking of women and children

v. adulteration or the manufacture of goods through infringement of title

c. Counter feiting m black marketing w. offences relating to the environment

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deeds and documents

.

d. extortion n. smuggling of domestic and foreign currency

x. sexual exploitation

e. fraud o. Theft or robbery or

dacoity or piracy or hijacking of aircraft

y. insider trading and market manipulation

f. forgery p. human trafficking z. organized crime, and participation in

organized criminal groups g. illegal trade of

firearms q. dowry aa. racketeering

h. illegal trade in

narcotic drugs, psychotropic substances and substances causing intoxication

r smuggling and offences related to customs and excise duties

bb.

Other(Please specify)

i. illegal trade in stolen and other goods

s. tax related offences

j. kidnapping, illegal

restrain and hostage taking

t. infringement of intellectual property rights

H. Transaction/Attempted Transaction Details: Sl. no. Date Amount Type*

*Cash/Transfer/Clearing/TT/etc. Add paper if necessary

I. Counter Part’s Details (Where Applicable) Sl. no. Date Bank Branch Account no. Amount

J. Has the suspicious transaction/activity had a material impact on or otherwise affected the financial soundness of the bank?

Yes No K. Has the bank taken any action in this context? If yes, give details.

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L. Documents to be enclosed 1. Account opening form along with submitted documents 2. KYC Profile, Transaction Profile 3. Account statement for last one year 4. Supporting Voucher/correspondence mention in sl. no. H 5. Others

Signature : (CAMLCO or authorized officer of CCU) Name : Designation : Phone : Date :

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SUSPICIOUS TRANSACTION REPORT (STR) FORM (WIRE TRANSFER/MOBILE FINANCIAL SERVICE)

A. Reporting Institution: 1. Name of the Institution: 2. Name of the Branch/Agent: 3. Service Place of the Branch/Agent: 4. Agent Identification / ID:(If applicable)

B. Details of Report: 1. Date of sending report: 2. Is this the addition of an earlier report? Yes No 3. If yes, mention the date of previous report

C. Suspect Details: 1. Name: 2. Address: 3. Profession/Business: 4. Nationality/Ownership status: 5. Father’s name/ Proprietor’s name: 6. Mother’s Name (where necessary): 7. Date of birth (where necessary): 8. Place of birth: 9. Passport No. 10. National Identification No. 11. Birth Regoistration No. 12. Contact Details:

Mobile No- Email-

13. Any other important Information: D. Suspicious Transaction/Attempted Transaction Details :

Sl. no. Date Amount Type

E. Reasons for considering the transaction(s) as unusual/suspicious?

(Mention summary of suspicion and consequence of events) (Use separate sheet, if needed)

F. List of Documents attached with the report Signature:

(CAMLCO or authorized officer of CCU)

Name: Designation: Phone No: Date:

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1

----- e¨vsK wjt

ÑÑÑÑ kvLv|

kvLv KZ©„K Self Assessment c×wZi gva¨‡g wbR ^ Ae ’vb wbY©q

cÖwZwU e¨vsK kvLv gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv, weGdAvBBD KZ©„K mgq mgq RvixK…Z wb‡ ©kbv I e¨vs‡Ki wbR ^ gvwb jÛvwis cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva bxwZgvjvi Av‡jv‡K wbgœewY©Z cÖkœgvjvi we¯ÍvwiZ DËi cÖ`v‡bi gva¨‡g Self Assessment c×wZ‡Z wb‡R‡ì Ae¯’vb wbY©q Ki‡e t

cÖkœgvjv hvPvB‡qi gvb`Û kvLvi eZ©gvb Ae ’v M„nxZe¨ Kvh©μg/mycvwik

1. kvLvq †gvU Kg©KZ©vi msL¨v KZ (c`vbyhvqx)? KZRb Kg©KZ©v gvwbjÛvwis cÖwZ‡iva I mš¿v‡m A_©vqb cÖwZ‡iva welqK AvbyôvwbK cÖwkÿY MÖnY K‡i‡Qb ? (kZKiv nvi)

cÖwkÿY msμvšÍ †iKW©

hvPvB Ki‡Z n‡e|

2.K) kvLvi gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v (BAMLCO) ‡Rô¨ I AwfÁ wKbv? weMZ yB eQ‡i wZwb gvwbjÛvwis cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK †Kvb cÖwkÿY †c‡q‡Qb wK bv?

L) kvLvq gvwb jÛvwis cÖwZ‡iva Kvh©μg h_vwbq‡g cwicvwjZ n‡”Q G welqwU wbwðZ nIqvi j‡ÿ¨ BAMLCO wbw ©ó I MÖnY‡hvM¨ mgq ci ci Ges Kvh©Ki cÖwμqvq gwbUwis I ch©v‡jvPbv K‡i _v‡Kb wKbv?

BAMLCO KZ©„K – KYC Kvh©μ‡gi h_v_©Zv gwbUwis Kiv nq wKbv? h_vh_fv‡e Transaction gwbUwis Ges m‡›`nRbK †jb‡`b wi‡cvU© (B›Uvibvj wi‡cvU©©mn) Kiv nq wKbv? h_vh_fv‡e †iKW© msiÿY Kiv nq wKbv? CTR hvPvB Ges STR mbv³Ki‡Y eë ’v †bqv nq wKbv? ‰e‡`wkK gy ªvi BbIqvW© I AvDUIqvW©†jb‡`b gwbUwis Kiv n‡”Q wKbv?

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2


3. BAMLCO mn kvLvi Kg©KZ©vMY gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv, weGdAvBBD KZ©„K mgq mgq RvixK…Z wb‡ ©kbv I e¨vs‡Ki wbR ^ gvwb jÛvwis cÖwZ‡iva I mš¿v‡m A_©vqb cÖwZ‡iva bxwZgvjv m¤ú‡K© AewnZ Av‡Qb wK?

welqwU hvPvB‡qi

c×wZ Kx?

4. kvLv ch©v‡q ‰ÎgvwmK wfwË‡Z gvwb jÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva welqK mfv AbywôZ nq wKbv?

mfvi Av‡jvP¨m~wP mK‡ji AeMwZi Rb¨ eÈb Kiv nq wKbv? mfvq Kx Kx ¸iæZ¡c~Y© wm×všÍ M„nxZ n‡q‡Q? mfvq M„nxZ wm×všÍ wKfv‡e ev ÍevwqZ nq?

5. mKj cÖKvi wnmve †Lvjv I †jb‡`b cwiPvjbvi †ÿ‡Î gvwb jÛvwis cÖwZ‡iva AvBb, mš¿vm we‡ivax AvBb Ges mg‡q mg‡q weGdAvBBD KZ©„K RvixK„Z wb‡ ©kbv Abymv‡i MÖvnK cwiwPwZ m‡šÍvlRbKfv‡e MÖnY Kiv nq wKbv ?

MÖvnK cwiwPwZi h_v_©Zv wKfv‡e hvPvB Kiv nq? wKfv‡e Zv kvLvq msiÿY Kiv n‡”Q? KYC m¤úv`bKv‡j MÖvn‡Ki Znwe‡ji Drm hvPvB Kiv nq wKbv? wnmv‡ei cÖK…Z myweav‡fvMx (Beneficial Owner) mbv³ Kiv nq wKbv Ges Zv hvPvB Gi cÖwμqv m‡šÍvlRbK wKbv? D”P SzuwKwewkó MÖvnK‡ì †ÿ‡Î SuywKi wbix‡L AwZwi³ Z_¨ (EDD) msMÖn Kiv nq wKbv?

6. K) SzuwKi wfwË‡Z kvLv Zv‡ì MÖvnK‡ì †kªYxweb¨vm/†kªYxKiY K‡i wKbv?

L) D”P SzuwKm¤úbœ wnmv‡ei †jb‡`b gwbUwis Kiv nq wKbv?

K‡i _vK‡j G ch©šÍ KZwU D”P SzuwK m¤úbœ wnmve kvLvq †Lvjv n‡q‡Q? G ai‡bi wnmve

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3


†Lvjv I cwiPvjbvi †ÿ‡Î kvLv Kx c`‡ÿc MÖnY K‡i‡Q? Kx c×wZ‡Z D”P SzuwKm¤úbœ wnmv‡ei †jb‡`b gwbUwis Kiv nq?

7. weGdAvBBD KZ©„K RvixK…Z wb‡ ©kbv Ges e¨vs‡Ki wbR ^ bxwZgvjv Abyhvqx gvwbjÛvwis I mš¿v‡m A_©vqb msμvšÍ SzuwK cÖwZ‡iv‡a h_vh_ eë¯’v MÖnY Kiv n‡q‡Q Kx bv?

G welqK wbR¯^ bxwZgvjv cÖYqb Kiv n‡q‡Q wKbv? n‡j D³ bxwZgvjv kvLvq wKfv‡e ev¯ÍevwqZ n‡”Q?

8. kvLv MÖvn‡Ki KYC Profile Gi Z_¨ weGdAvBBD KZ©„K RvixK…Z wb‡`©kbv ‡gvZv‡eK wbw`©ó mgq ci ci cybtg~j¨vqbc~e©K nvjbvMv` K‡i wKbv?

Kx c×wZ‡Z Giƒc g~j¨vqb m¤úvw`Z n‡q _v‡K?

9. kvLv Walk-in-Customer-‡ì †ÿ‡Î KYC cÖwμqv AbymiY K‡i wK?

wKfv‡e Av‡jvP¨ cÖwμqvwU m¤úbœ K‡i _v‡K?

10. Online e¨vswKs Gi †ÿ‡Î wnmveavix e¨ZxZ Ab¨ †Kvb e¨w³ A_© Rgv Ki‡j ‡m‡ÿ‡Î †Kvb ai‡bi KYC cÖwμqv AbymiY Kiv nq wK?

n‡q _vK‡j Kx cÖwμqvq Zv m¤úvw`Z n‡”Q?

11. kvLv Kx c×wZ‡Z MÖvn‡Ki †jb‡`b gwbUwis K‡i _v‡K?

e¨vsK kvLv KZ©„K wbav©wiZ mxgvi Dc‡ii †jb‡`‡bi (Threshhold ) wfwË‡Z A_ev MÖvnK KZ©„K †NvwlZ †jb‡`‡bi AbywgZ gvÎv (TP) Gi wfwË‡Z; A_ev Ab¨ †Kvb c×wZ‡Z ; M„wnZ †jb‡`‡bi AbywgZ gvÎv (TP) MÖvn‡Ki †ckv I Av‡qi mv‡_ msMwZc~Y© wKbv Zv hvPvB Kiv nq wKbv? †NvwlZ AbywgZ gvÎvi mv‡_ cieZx©‡Z

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MÖvnK KZ©„K m¤úvw`Z cÖK…Z †jb‡`b hvPvB Kiv nq wKbv ? kvLv KZ©„K GKwU wba©vwiZ Thershhold Gi wfwË‡Z cÖwZw`‡bi †jb‡`b gwbUi Kiv nq wKbv? kvLvq GKwU wbw`©ó mgq ci ci bgybv wfwË‡Z MÖvn‡Ki KYC Profile G cÖ`Ë Z‡_ï mv‡_ †jb‡`‡bi mvgÄm¨Zv hvPvB Kiv nq wKbv?

12. mš¿vm we‡ivax AvBb, 2009 Gi Aaxb mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡ai j‡ÿ¨ kvLv Kx ai‡bi c`‡ÿc MÖnY K‡i‡Q?

RvwZms‡Ni wbivcËv cwil‡ì wewfbœ †iRyjyk‡bi AvIZvq mš¿vm, mš¿vmx Kvh© I e¨vcK aŸsmvZ¥K A¯¿ we Ív‡i A_©vq‡b RwoZ m‡›`‡n ZvwjKvfy³ †Kvb e¨w³ ev mËv Ges evsjv‡`k miKvi KZ©„K ZvwjKvfy³ ‡Kvb e¨w³ ev wbwl× †NvwlZ mËvi bv‡gi ZvwjKv kvLvq msiÿY I Z`vbymv‡i wnmve I †jb‡`b Kvh©μg hvPvB Kiv nq wKbv? kvLv G welqK wbR¯^ †Kvb Mechanism AbymiY K‡i wK bv? Giƒc †Kvb e w³ ev mËvi bv‡g kvLvq cwiPvwjZ wnmv‡ei (hw _v‡K) wel‡q weGdAvBBD †K AewnZ Kiv nq wKbv?

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13. G hver kvLv KZ©„K KZ¸‡jv m‡›`nRbK †jb‡`b (STR) kbv³ Kiv n‡q‡Q?

kvLvq m‡› nRbK †jb‡ b wPwýZ Kivi †Kvb c×wZ AbymiY Kiv nq wKbv? kvLvq m‡› nRbK †jb‡`b Reporting Gi Rb Internal Reporting Mechanism Pvjy i‡q‡Q wKbv? kvLv ch©v‡q wb¯úwËK…Z Internal Report msiÿY Kiv nq wKbv?

14. MÖvnK KZ©„K cybt cybt bM` †jb‡`b wi‡cvwU©s (CTR) mxgvi bx‡P †jb‡`b (Structuring) kbv³ Kivi †Kvb c×wZ kvLv KZ©„K cÖewZ©Z n‡q‡Q wKbv?

cÖwZw`‡bi †jb‡`‡b Structuring kbv³ Kivi Rb¨ ‡Kvb wi‡cvU© generate Kiv n‡”Q wKbv ev †Kvb c×wZ i‡q‡Q wKbv?

15. kvLv KZ©„K wbqwgZ I mwVKfv‡e CTR †K›`ªxq cwicvjb BDwb‡U †cÖiY Kiv n‡”Q wKbv?

n‡q _vK‡j †cÖwiZ Z‡_ï mwVKZv wKfv‡e hvPvB Kiv n‡”Q? †K›`ªxqfv‡e CTR wi‡cvU© Kivi †ÿ‡Î kvLv wbR ^ CTR wi‡cvU© msMÖnc~e©K gwbUwis Kvh©μg Ae¨vnZ iv‡L wKbv ?

16. gvwb jÛvwis cÖwZ‡iva AvBb, mš¿vm we‡ivax AvBb, mvK©yjvi, cÖwkÿY †iKW©, weeiYx I Ab¨vb¨ GGgGj/wmGdwU msμvšÍ welqvejxi Avjv`v bw_ kvLv KZ©„K msiÿY Kiv nq wKbv? AvBb, mvKz©jvi BZ¨vwì Kwc kvLvi mKj Kg©KZ©v/Kg©Pvix‡ì mieivn Kiv nq wKbv?

n‡q _vK‡j n¨vu A_ev

bv n†q _vK‡j bv,

AvswkK n‡j Kx Kx

msiwÿZ Av‡Q Zv

wjLyb|

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17. weGdAvBBD gv÷vi mvKy©jvi Abymv‡i kvLvq PEPs, cÖfvekvjx e¨w³, AvšÍR©vwZK ms ’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi †Kvb wnmve msiÿY Kiv n‡”Q wKbv?

DËi n¨vu n‡j GB wnmve ‡Lvjv I cwiPvjbvi †ÿ‡Î Kx Kx ai‡Yi mZK©Zv Aej¤^b Kiv n‡”Q?

18. kvLvq ‡gvevBj dvBb¨vwÝqvj mvwf©m ev Aq¨vi UªvÝdvi msμvšÍ †jb‡`‡bi †ÿ‡Î weGdAvBBD Gi wb‡ ©kbv h_vh_fv‡e AbymiY Kiv n‡”Q wKbv?

19. cÖavb Kvh©vjq I evsjv‡`k e¨vsK, evsjv‡`k dvBb¨wÝqvj B‡›Uwj‡RÝ BDwbU-Gi cwi`k©b cÖwZ‡e`‡b D‡jøwLZ gvwb jÛvwis cÖwZ‡iva I mš¿v‡m A_©vqb cÖwZ‡iva cwicvjb welqK `ye©jZv/Awbqgmg~n wbqwgZ Kiv n‡q‡Q wKbv?

bv n‡q _vK‡j cÖwZeÜKZvmg~n Kx Kx?

20. kvLv KZ©„K ê‡`wkK †iwg‡UÝmn Ab¨vb¨ BbIqvW© I AvDUIqvW© ‰e‡`wkK gy`ªvi †jb‡`b gwbUwis Kiv nq wKbv?

n‡q _vK‡j wKfv‡e? BbIqvW© †iwgU¨vÝ msμvšÍ †jb‡`‡b, cÖ‡hvR¨ †ÿ‡Î, weGdAvBBD KZ©„K mg‡q mg‡q mieivnK…Z mš¿vmx msMVb/ e¨w³i ZvwjKv hvPvB Kiv n‡”Q wKbv?

kvLv gvwb jÛvwis cÖwZ‡iva cwicvjb

Kg©KZv©i bvghy³ mxjmn ¯^vÿi I ZvwiL kvLv eë ’vc‡Ki


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Af¨šÍixY wbixÿv wefvM -------- e¨vsK wjt

cÖavb Kvh©vjq

Independent Testing Procedurest kvLv cwi`k©‡bi †PKwj÷

e¨vs‡Ki Af¨šÍixY wbixÿv wefvM gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv,

weGdAvBBD KZ©„K mgq mgq RvixK…Z wb‡ ©kbv I e¨vs‡Ki wbR ^ gvwb jÛvwis cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva bxwZgvjvi Av‡jv‡K wbgœwjwLZ cªkœgvjvi h_vh_ DËi (WKz‡g›U wfwËK) Abymv‡i ‡¯‹vi cÖ`vbc~e©K kvLvi gvwb jÛvwis cÖwZ‡iva I mš ¿vmx Kv‡h© A_©vqb cÖwZ‡iva Kvh©μg‡K g~j¨vqb Ki‡e| Af¨šÍixY wbixÿv wefvM KZ©„K kvLvi Dci cÖYxZ

evwl©K wbixÿv cÖwZ‡e`‡b (cÖ‡hvR¨ †ÿ‡Î c„_K cwi`k©b Kg©m~Pxi AvIZvq ïaygvÎ Independent Testing Procedures wfwËK cÖwZ‡e`b cÖwYZ n‡e) gvwb jÛvwis cÖwZ‡iva I mš¿v‡m A_©vqb cÖwZ‡iva Kvh©μg g~j¨vqb msμvšÍ Avjv`v Aa¨v‡q mgy`q welqvw` mycvwikmn mwbœ‡ek Ki‡e |

(hvPvB‡qi gvb`Û Abymv‡i m¤ú~Y©iƒ‡c cwicvwjZ n‡j m¤c~Y© †¯‹vi, AvswkK cwicvj‡b AvswkK †¯‹vi Ges DËi †bwZevPK n‡j k~b¨ †¯‹vi cÖ`vb Ki‡Z n‡e|)

μwgK bs

AÂj/Gwiqv cÖkœgvjv hvPvB‡qi gvb`Û ‡¯‹vi

cÖvß †¯‹vi

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1. kvLv cwicvjb BDwbU

1. kvLvq GKRb AwfÁ I †R¨ô cwicvjb Kg©KZ©v (BAMLCO) i‡q‡Qb wK?

Awdm AWv©i †`Lyb| kvLvi eë ’vcK/wØZxq Kg©KZ©v A_ev b~¨bZg 3 eQi ‡nW Ae †Rbv‡ij e¨vswKs wn‡m‡e Kg©iZ Kg©KZ©v‡K BAMLCO g‡bvbxZ Kiv mgxPxb n‡e|

1

2. weMZ `yB eQ‡i wZwb gvwb jÛvwis cÖwZ‡iva I mš¿v‡m A_©vqb cÖwZ‡iva welqK †Kvb cÖwkÿ‡Y AskMÖnY K‡i‡Qb wK? gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv, weGdAvBBD KZ©„K mgq mgq RvixK…Z wb‡`©kbv I MvB‡WÝ †bvUm Ges e¨vs‡Ki wbR ^ gvwb jÛvwis cÖwZ‡iva I mš¿v‡m A_©vqb cÖwZ‡iva bxwZgvjv m¤ú‡K© wZwb h‡_ó AewnZ wK?

mvÿvrKvi I bw_c‡Îi wfwË‡Z hvPvB Kiæb|

2

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3. gvwb jÛvwis cÖwZ‡iva AvBb, mš¿vm we‡ivax AvBb Ges Gi AvIZvq RvixK…Z cwjwm Ges/A_ev wb‡`©kbv h_vwbq‡g cwicvwjZ n‡”Q- G welqwU wbwðZ nIqvi j‡ÿ¨ BAMLCO wbw ©ó I MÖnY‡hvM¨ mgq ci ci Ges Kvh©Ki cÖwμqvq gwbUwis I ch©v‡jvPbv K‡i _v‡Kb wK?

BAMLCO KZ©„K gwbUwis I ch©v‡jvPbvi cÖwμqv hvPvB I Gi h_v_©Zv cixÿvc~e©K g~j¨vqb Kiæb|

3

4. weGdAvBBD KZ©„K RvixK…Z wb‡ ©kbv Ges e¨vs‡Ki wbR¯^ bxwZgvjv Abyhvqx gvwbjÛvwis I mš¿v‡m A_©vqb msμvšÍ SzuwK cÖwZ‡iv‡a h_vh_ eë¯’v MÖnY Kiv n‡q‡Q wKbv?

BAMLCO KZ©„K kvLvq cwiPvwjZ D”P SzuywKhy³ wnmvemn mKj wnmv‡ei †jb‡`b gwbUwis ch©vß wK?

gvwbjÛvwis I mš¿v‡m A_©vqb msμvšÍ SzuwK cÖwZ‡iv‡a kvLvi M„nxZ c`‡ÿc g~j¨vqb Kiæb| BAMLCO KZ©„K D”P SzuywKhy³ wnmvemn mKj wnmv‡ei †jb‡`b gwbUwis c×wZ hvPvB I Gi h_v_©Zv cixÿvc~e©K g~j¨vqb Kiæb|

4

5. weGdAvBBD gv÷vi mvKz©jvi Abymv‡i kvLvq PEPs cÖfvekvjx e¨w³, AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi †Kvb wnmve msiÿY Kiv n‡”Q wKbv?

G ai‡bi wnmve ‡Lvjv I cwiPvjbvi †ÿ‡Î weGdAvBBD gv÷vi mvKz©jvi Abymv‡i mZK©Zv Aej¤^b Kiv n‡”Q wKbv Zv hvPvB Kiæb| Z‡e PEPs cÖfvekvjx e¨w³, AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi †Kvb wnmve bv _vK‡jI hw` weGdAvBBD gv÷vi mvKz©jvi G cÖ`Ë wb‡ ©kbv ev Íevq‡bi cÖwμqv we`¨gvb _v‡K Zvn‡j kvLv c~Y© b¤î cÖvß n‡e|

1

6. weGdAvBBD cÖ`Ë †mjd& A¨v‡mm‡g›U kvLv KZ©„K KZUzKz mwVK I Kvh©Kifv‡e m¤úv`b n‡”Q?

kvLvi †mjd& A¨v‡m‡g›U wi‡cvU© ch©v‡jvPbv Kiæb| mwVK I Kvh©Kifv‡e †mjd& A¨v‡m‡g›U wi‡cvU© cÖYqb I ev Íevq‡bi wfwË‡Z b¤i cÖ`vb Kiæb|

6

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cÖvß †¯‹vi

gšÍe¨

2. gvwb jÛvwis cÖwZ‡iva I

mš¿v‡m A_©vqb cÖwZ‡iva wel‡q

Kg©KZ©v‡ì Ávb I

m‡PZbZv e„w× Ges SzuwK cÖwZ‡iv‡a

M„wnZ eë ’v|

1. kvLvq KZRb Kg©KZ©v gvwb jÛvwis cÖwZ‡iva I mš¿v‡m A_©vqb cÖwZ‡iva welqK AvbyôvwbK cÖwkÿY MÖnY K‡i‡Qb?

100% Kg©KZ©vi cÖwkÿY m¤úbœ n‡j Zv m‡šÍvlRbK e‡j we‡ewPZ n‡e| cÖwkÿ‡Yi nvi Abymv‡i b¤î cÖvß n‡e|

2

2. kvLvi Kg©KZ©vMY gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv, weGdAvBBD KZ©„K mgq mgq RvixK…Z wb‡`©kbv I MvB‡WÝ †bvUm Ges e¨vs‡Ki wbR ^ gvwb jÛvwis cÖwZ‡iva I mš¿v‡m A_©vqb cÖwZ‡iva bxwZgvjv m¤ú‡K© AewnZ Av‡Qb wK?

kvLvi mswkøó Kg©KZ©v‡ì mvÿvrKv‡ii wfwË‡Z g~j¨vqb Kiæb|

3

3. gvwb jÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva Kvh©μg g~j¨vq‡bi Rb¨ GKwU ˆÎgvwmK wfwË‡Z kvLv eë ’vc‡Ki †bZ…‡Z¡ Kg©KZ©vM‡Yi mfv Av‡qvRb Kiv nq wKbv?

mfvi Av‡jvP¨m~Px msMÖn I Gi Kvh©KvwiZv cixÿv Kiæb|

3

4. weGdAvBBD KZ©„K RvixK…Z wb‡ ©kbv Ges e¨vs‡Ki wbR¯^ bxwZgvjv Abyhvqx gvwbjÛvwis I mš¿v‡m A_©vqb msμvšÍ SzuwK cÖwZ‡iv‡a h_vh_ eë¯’v MÖnY Kiv n‡q‡Q wKbv?

2

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μwgK bs


cÖvß †¯‹vi

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3. MÖvnK cwiwPwZ (KYC) c×wZ

1. mKj cÖKvi wnmve †Lvjv I †jb‡`b cwiPvjbvi †ÿ‡Î gvwb jÛvwis cÖwZ‡iva AvBb, mš¿vm we‡ivax AvBb Ges weGdAvBBD KZ©„K RvixK„Z gv÷vi mvKz©jv‡ii wb‡`©kbv Abymv‡i MÖvnK cwiwPwZ m‡šÍvlRbKfv‡e MÖnY Kiv nq wKbv ?

cÖ‡Z¨K ai‡bi 4/5 wU wnmv‡ei bgybv cixÿv Kiæb| wb‡gœv³ wel‡q mš‘wómv‡c‡ÿ b¤î cÖ vb Kiæb- MÖvnK cwiwPwZi h_v_©Zv wKfv‡e hvPvB Kiv nq? wKfv‡e Zv kvLvq msiÿY Kiv n‡”Q? KYC m¤úv`bKv‡j MÖvn‡Ki Znwe‡ji Drm hvPvB Kiv n‡q‡Q wKbv? wnmv‡ei cÖK…Z myweav‡fvMx (Beneficial Owner) mbv³ Kiv n‡q‡Q wKbv Ges Zv hvPvB Gi cÖwμqv m‡šÍvlRbK wKbv? D”P SzuwKwewkó MÖvnK‡ì †ÿ‡Î SuywKi wbwi‡L AwZwi³ Z_¨ (EDD) msMÖn Kiv nq wK bv?

5

2. weGdAvBBD KZ©„K RvixK„Z gv÷vi mvKz©jv‡ii wb‡`©kbv Abymv‡i kvLv h_vh_fv‡e SzuwKi wfwË‡Z Zv‡ì MÖvnK‡ì †kªYxweb¨vm/ †kªYxKiY K‡i wK?

weGdAvBBD KZ©„K RvixK„Z gv÷vi mvKz©jv‡ii wb‡`©kbv cwicvwjZ nq wKbv hvPvB Kiæb|

3

3. D”P SzuwKwewkó MÖvnK‡ì †ÿ‡Î cÖ‡qvRbxq AwZwi³ Z_¨ msMÖn Kiv nq wK?

wK ai‡bi Z_¨ msMÖn Kiv nq Ges Zv h‡_ó wKbv cixÿv Kiæb|

3

4. kvLv wK MÖvn‡Ki KYC Profile wbw`©ó mgq ci ci cybtg~j¨vqbc~e©K nvjbvMv` K‡i _v‡K?

KYC Profile cybtg~j¨vqb I nvjbvMv` c×wZ g~j¨vqb Kiæb|

3

5. kvLv Walk-in-Customer-‡ì (fvmgvb/PjšÍ MÖvnK‡ì) (wWwW, wUwU, AbjvBb Rgv BZ¨vw`) †ÿ‡Î KYC cÖwμqv AbymiY K‡i wK?

Abym„Z cªwμqv weGdAvBBD KZ©„K RvixK„Z gv÷vi mvKz©jv‡ii mv‡_ msMwZc~Y© wKbv Zv we‡ePbvc~e©K g~j¨vqb Kiæb|

4

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cÖvß †¯‹vi

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4. mš¿vm we‡ivax AvBb, 2009 Gi cwicvjb

mš¿vm we‡ivax AvBb, 2009 Gi Aaxb mš¿v‡m A_©vqb cÖwZ‡iv‡ai j‡ÿ¨ kvLv Kx ai‡bi Kvh©Ki c`‡ÿc MÖnY K‡i‡Q?

wb‡gœv³ wel‡q mš‘wómv‡c‡ÿ b¤î cÖ vb Kiæb- RvwZms‡Ni wbivcËv cwil‡ì wewfbœ †iRyjyk‡bi AvIZvq mš¿vm, mš¿vmx Kvh© I e¨vcK aŸsmvZ¥K A ¿ we Ív‡i A_©vq‡b RwoZ m‡›`‡n ZvwjKvfy³ †Kvb e¨w³ ev mËv Ges evsjv‡`k miKvi KZ©„K ZvwjKvfy³ ‡Kvb e¨w³ ev wbwl× †NvwlZ mËvi bv‡gi ZvwjKv kvLvq msiÿY I Z`vbymv‡i wnmve I †jb‡`b Kvh©μg hvPvB Kiv nq wKbv? kvLv G welqK wbR ^ †Kvb Mechanism AbymiY K‡i wKbv? Giƒc e¨w³ ev mËvi bv‡g kvLvq cwiPvwjZ wnmv‡ei (hw` _v‡K) wel‡q weGdAvBBD †K AewnZ Kiv nq wKbv ?

5

5. ‡jb‡`‡bi AbywgZ gvÎv (TP) MÖnY I

gwbUwis

1. kvLv wK MÖvnK‡ì cÖK…Z †jb‡`b Zv‡ì †NvwlZ TP Gi mv‡_ mvgÄm¨c~Y© wKbv Zv gwbUwis K‡i _v‡K?

b~¨bZg 10wU wnmv‡ei gwbUwis c×wZi bgybv cixÿv Kiæb Ges Gi Kvh©KvwiZv hvPvB Kiæb| wb‡gœv³ wel‡q mš‘wó mv‡c‡ÿ b¤î cÖ vb Kiæb- MÖvn‡Ki †ckv I Av‡qi mv‡_ msMwZc~Y©fv‡e †jb‡`‡bi AbywgZ gvÎv (TP) MÖnY Kiv nq wKbv? †NvwlZ AbywgZ gvÎvi mv‡_ cÖK…Z †jb‡`b hvPvB Kiv nq wKbv ? GKwU wba©vwiZ Threshold Gi wfwË‡Z cÖwZw`b †jb‡`b gwbUi Kiv nq wKbv? kvLvq GKwU wbw`©ó mgq ci ci bgybv wfwË‡Z MÖvn‡Ki KYC Profile G cÖ`Ë Z‡_ï mv‡_ †jb‡`‡bi mvgÄm¨Zv hvPvB Kiv nq wKbv?

5

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cÖvß †¯‹vi

gšÍe¨

2. kvLv wK ê‡`wkK †iwg‡UÝmn Ab¨vb¨ BbIqvW© I AvDUIqvW© †iwg‡UÝ gwbUwis K‡i _v‡K?

G ai‡Yi wKQz D`vniY I AwaK †jb‡`bK…Z wKQz RFCD, NFCD A/C cixÿv Kiæb| BbIqvW© †iwgU¨vÝ msμvšÍ †jb‡`‡b, cÖ‡hvR¨ †ÿ‡Î, weGdAvBBD KZ©„K mg‡q mg‡q mieivnK…Z mš¿vmx msMVb/ e¨w³i ZvwjKv hvPvB Kiv n‡”Q wKbv Zv †`Lyb| GQvovI ‰e‡`wkK gy`ªvi †jb‡`b BAMLCO KZ©„„K wK c×wZ‡Z gwbUwis Kiv n‡”Q Zvi Kvh©KvwiZv hvPvB Kiæb|

4

3. kvLv wK wbw`©ó mgq ci ci TP ch©v‡jvPbv I nvjbvMv` (cÖ‡qvR‡b) K‡i _v‡K?

TP ch©v‡jvPbv I nvjbvMv` Kiv n‡q‡Q Ggb 10wU bgybv cixÿv I Gi Kvh©KvwiZv hvPvB Kiæb|

4

6. m‡›`nRbK †jb‡`b wi‡cvU© (STR) I bM` †jb‡`b

wi‡cvU©(CTR)

1. kvLvi Kg©KZ©vMY m‡›`nRbK †jb‡`b wi‡cvU© (STR) m¤ú‡K© AewnZ Av‡Qb wK?

kvLvq m‡›`nRbK †jb‡`b Reporting Gi Rb¨ Internal Reporting Mechanism Pvjy Av‡Q wKbv? Zv mKj Kg©K©Zv Rv‡bb wKbv?

5

2. kvLvq gvwb jÛvwis I mš¿v‡m A_©vqb msμvšÍ m‡›`nRbK †jb‡`b wPwýZKi‡Yi Kvh©Ki c×wZ Pvjy Av‡Q wK? G hver KZ¸‡jv m‡›`nRbK †jb‡`b (STR) BAMLCO KZ…©K CCU Gi wbKU wi‡cvU© Kiv n‡q‡Q?

kvLvq m‡›`nRbK †jb‡`b msNwUZ nIqv m‡Ë¡I hw` BAMLCO KZ…©K CCU Gi wbKU †Kvb STR bv Kiv n‡q _v‡K Zvn‡j Zv Am‡šÍvlRbK we‡ewPZ n‡e| bw_ I wm‡÷g cixÿv K‡i kvLvq STR mbv³Ki‡Yi Rb¨ †Kvb c×wZi cÖeZ©b Kiv n‡q‡Q wKbv Zv hvPvB Kiæb| wb‡gœv³ wel‡q mš‘wó mv‡c‡ÿ b¤î cÖ vb Kiæb- kvLvq m‡›`nRbK †jb‡`b wPwýZ Kivi †Kvb c×wZ AbymiY Kiv nq wKbv? kvLv ch©v‡q wb¯úwËK…Z Internal Report h_vh_fv‡e msiÿY Kiv nq wKbv?

5

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cÖvß †¯‹vi

gšÍe¨

3. kvLv KZ©„K h_vh_ I mwVKiƒ‡c bM` †jb‡`b wi‡cvU© (CTR) Kiv nq wKbv?

GZ`&msμvšÍ bw_ cixÿv Kiæb|(Kgc‡ÿ GK gv‡mi bM` †jb‡`b)K¨vk †iwRóvi/weeiYx n‡Z cixÿv Kiæb Ges Gi wfwË‡Z H gv‡m `vwLjK…Z CTR wi‡cvU© cixÿvc~e©K CTR wi‡cvU© Gi mwVKZvi wel‡q g~j¨vqb Kiæb|

GQvovI †K›`ªxqfv‡e CTR wi‡cvU© Kivi †ÿ‡Î kvLvi wbR¯^ CTR wi‡cvU© msMÖnc~e©K wbR ^ gwbUwis Kvh©μg Ae¨vnZ i‡q‡Q wKbv Zv hvPvB Kiæb|

4

4. MÖvnK KZ©„K cybt cybt wi‡cvwU©s mxgvi bx‡P †jb‡`b (Structuring) kbv³ Kivi †Kvb c×wZ kvLv KZ©„K cÖewZ©Z n‡q‡Q wKbv?

GZ`&msμvšÍ kvLvi c`‡ÿc cixÿvc~e©K g~j¨vqb Kiæb| cÖwZw`‡bi †jb‡`‡b Structuring kbv³ Kivi Rb¨ Kx ai‡bi wi‡cvU© generate Kiv n‡”Q?

4

7. CCU eivei weeiYx `vwLj

1. kvLv KZ©„K KZwU weeiYx (CCU eivei `vwLj Kiv nq? kvLv wK h_vmg‡q weeiYx `vwLj K‡i?

GZ`&msμvšÍ bw_ cixÿv Kiæb| wej‡¤ A_ev weeiYx `vwLj bv Ki‡j Zv Am‡šÍvlRbK we‡ewPZ n‡e|

3

2. kvLv KZ©„K wbqwgZfv‡e †mî A¨v‡mm‡g›U Kiv nq wKbv? cÖ¯‘ZK…Z weeiYx h_vh_ wKbv?

GZ`&msμvšÍ weeiYx cixÿv Kiæb| Z_¨vw` mwVK I cwic~Y© bv n‡j Zv Am‡šÍvlRbK we‡ewPZ n‡e|

2

8. ‡iKW© msiÿY 1. MÖvnK cwiwPwZ (KYC) Ges †jb‡`b m¤úwK©Z †iKW© h_vh_fv‡e msiÿ‡Yi weavb Av‡Q wK?

5wU eÜ wnmve cixÿv Kiæb| G‡ÿ‡Î gvwb jÛvwis cÖwZ‡iva AvBb Gi weavb h_vh_fv‡e AbymiY Kiv n‡q‡Q wKbv hvPvB Kiæb|

2

2. wbqš¿YKvix KZ©„cÿ ev CCU Gi Pvwn`v †gvZv‡eK †iKW©mg~n mieivn Kiv nq wK?

GZ`&msμvšÍ bw_ cixÿv Kiæb| h_vmg‡q I h_vh_ Z_¨ mieivn bv Ki‡j Zv Am‡šÍvlRbK we‡ewPZ n‡e|

2

9. AML/CFT m¤úwK©Z kvLvi mvwe©K Kvh©μg

1. kvLv eë¯’vcK (BAMLCO bv n‡j) gvwb jÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva welqK Kg©m~Px ev Íevq‡b h_vh_ f~wgKv cvjb K‡i wK?

kvLvq Av‡qvwRZ mfvi Av‡jvP¨m~wP I kvLv eë ’vc‡Ki mv‡_ mvÿvrKvi Ges G wel‡q kvLvi cwicvjb Ae¯’vi wfwË‡Z g~j¨vqb Kiæb|

2

cwiwkó - P

8

μwgK bs


cÖvß †¯‹vi

gšÍe¨

2. c~e©eZ©x Af¨šÍixY I ewnt wbixÿv cÖwZ‡e`b cixÿvKv‡j AML/CFT welqK †Kvb Awbqg I `ye©jZvi D‡jøL Av‡Q wKbv Ges kvLv †Kvb ms‡kvabg~jK eë ’v MÖnY K‡i‡Q wKbv?

me©‡kl wbixÿv msμvšÍ wi‡cvU© cixÿv Kiæb Ges wK ai‡bi ms‡kvabg~jK eë ’v †bIqv n‡q‡Q hvPvB Kiæb|

3

3. kvLvi mvwe©K Kvh©μg m‡šÍvlRbK wK?

kvLvi gvwb jÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva msμvšÍ mvwe©K Kvh©μg Ges kvLv eë¯’vc‡Ki cvidig¨v‡Ýi wfwË‡Z g~j¨vqb Kiæb|

5

†gvU 100 kvLvi mvwe©K g~j¨vqb t

‡¯‹vi †iwUs

90+-100 kw³kvjx (Strong)

70+-90 m‡šÍvlRbK (Satisfactory)

55+-70 ‡gvUvgywU fvj (Fair)

40+-55 cÖvwšÍK (Marginal)

40 I Gi bx‡P Am‡šÍvlRbK (Unsatisfactory)