evsjv `k dvbb vwýqvj B Uwj RÝ BDwbU evsjv `k e vsk cöavb Kvh vjq XvKv wegdavbbd mvk yjvi bs-18 ZvwiL :

Transcription

1 evsjv `k dvbb vwýqvj B Uwj RÝ BDwbU evsjv `k e vsk cöavb Kvh vjq XvKv wegdavbbd mvk yjvi bs-18 ZvwiL : cöavb wbe vnx mkj TREC Holder, cvu dvwji g v brvi I gv P U e vskvi, wmwkdwiwur Kv wwqvb I m ú` e e vck cöwzôvb gvwbjûvwis I mš vmx Kv h A_ vqb cöwz iv a cyuwr evrvi mswkøó cöwzôvbmg~ ni (TREC Holder, cvu dvwji g v brvi I gv P U e vskvi, wmwkdwiwur Kv wwqvb I m ú` e e vck) Rb AbymiYxq wb ` kbv m úwk Z gv vi mvkz jvi wcöq g nv`q, gvwbjûvwis cöwz iva AvBb, 2012 Gi aviv (2) (e) (& &&F) Ges mš vm we ivax AvBb, 2009 (2012 I 2013 mv ji ms kvabxmn) Gi aviv (2) (20) (& &&F) gvzv ek (1) K wwjvi I K eªvkvi (ez gv b TREC Holder wn m e AwfwnZ), (2) cvu dvwji g v brvi I gv P U e vskvi (3) wmwkdwiwur Kv wwqvb Ges (4) m ú` e e vck cöwzôvbmg~n K wi cvu cö`vbkvix ms v wn m e AšÍf y³ i q Q Gÿ Y, ewy Z AvBbØ qi D Ïk c~iyk í, D³ AvBbØq I AvBbØ qi AvIZvq RvixK Z wewagvjvi mswkøó weavbvejx cwicvj bi wbwg Ë cyuwrevrvi mswkøó wi cvu cö`vbkvix ms vi 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)(N) avivq cö`ë ÿgzv e j Rvix Kiv n jv t 1 cwicvjb KvVv gv t 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 we epbvq, ` k we` gvb AvBb, wewagvjv I evsjv `k dvbb vwýqvj B Uwj RÝ BDwbU (wegdavbbd)-gi wb ` kbvejxi mgš^ q cyuwr evrvi mswkøó cöwzwu TREC Holder, cvu dvwji g v brvi I gv P U e vskvi, wmwkdwiwur Kv wwqvb I m ú` e e vck cöwzôv bi (ciezx Z cyuwr evrvi mswkøó cöwzôvb bv g AwfwnZ) wbr ^ bxwzgvjv _vk e hv Zv `i cwipvjbv cl ` ev cö hvr ÿ Î cöwzôv bi m ev P e e vcbv KwgwU KZ K Aby gvw`z n e D³ bxwzgvjv cöwzôv bi mv _ mswkøó mk ji AeMwZ Z Avb Z n e GQvovI cöwzôvbmg~n mg q mg q 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 cyuwr evrvi mswkøó cöwzwu cöwzôv bi cöavb wbe vnx evrmwik wfwë Z cöwzôv bi mkj wefvm/kvlvi Kg KZ v/kg Pvix `i D Ï k gvwbjûvwis Ges mš vmx Kv h A_ vqb cöwz iv a mȳ úó I Kvh Ki A½xKvi (Commitment) NvlYv Ki eb Ges A½xKvi ev Íevq b h_vh_ wb ` kbv cö`vb Ki eb 1.3 SzuwK e e vcbv c wz (Risk Management)t 04 KvwË K, A ±vei, 2015 (1) gvwbjûvwis I mš v m A_ vqb msµvší SzuwK mypviæiƒ c e e vcbvi j ÿ Ges gvwbjûvwis cöwz iva AvBb, 2012 I mš vm we ivax AvBb, 2009 (2012 I 2013 Gi ms kvabxmn) Gi weavbvejx h_vh_ cwicvjbv _ cyuwr evrvi mswkøó cöwzwu cöwzôvb Zv `i cöavb Kvh vj qi GKRb EaŸ Zb Kg KZ vi bz Z (whwb Chief Anti Money Laundering Compliance Officer ms ÿ c CAMLCO bv g AwfwnZ n eb) `yb ev Z ZvwaK Kg KZ vi mgš^ q GKwU K `ªxq cwicvjb BDwbU (Central Copliance Unit: CCU) MVb Ki e Ges cö hvr ÿ Î, kvlv chv q kvlv cwicvjb Kg KZ v (Branch Anti Money Laundering Compliance Officer ms ÿ c BAMLCO) g bvbq bi gva g Af šíixy cwiexÿy I wbqš Y e e v cöwzôv Ki e cyuwr evrvi mswkøó cöwzôvbmg~n K `ªxq cwicvjb BDwbU Gi Kg cwiwa I Kvh µg myôzfv e m úv` bi D Ï k cövwzôvwbk K kj (Strategy) I Kg m~px (program) wba viy/ NvlYv Ki e; hv cöwzôv bi m ev P KZ cÿ KZ K Aby gvw`z n Z

2 n e NvwlZ cövwzôvwbk K kj (Strategy) I Kg m~px (program) mg q mg q nvjbvmv` I ch v jvpbv Ki Z n e K `ªxq cwicvjb BDwbU gvwbjûvwis cöwz iv ai ` wó KvY _ K MÖvn Ki cwiwpwz (Know Your Client), ikw msiÿy (Record Keeping), jb `b cwiexÿy I wi cvu KiY (Transaction Monitoring & Reporting), Af šíixy wbqš Y (Internal Control), bxwz (Policies) I c wzmg~ ni (Procedures) mgš^ q ^ ^ cöwzôv bi e emvi AvKvi, aiy I cök wz BZ vw` we epbvq GKwU c~y v½ MvBWjvBÝ cöyqb Ges ev Íevqb Ki e GQvovI cö hvr ÿ Î, kvlvmg~ ni Rb AbymiYxq wb ` kbvejx cö`vb Ki e (2) cyuwr evrvi mswkøó cöwzwu cöwzôvb wbw` ó mgqv ší gvwbjûvwis I mš v m A_ vqb msµvší cöyxz SzuwK e e vcbv c wzi Kvh KvwiZv wbiƒc Yi j ÿ Independent Audit Gi e e v Ki e (3) cyuwr evrvi mswkøó cöwzwu cöwzôvb cöwz 03 (wzb) gvm AšÍi cöavb Kvh vjq/kvlvi Kg KZ v `i wb q GKwU mfv Av qvrb Ki e D³ mfvq cöavb Kvh vjq/kvlvi gvwbjûvwis cöwz iva welqk Kvh µg msµvší Av jvpbv I cö qvrbxq wm vší MÖnY Ki e Ges M nxz wm všímg~n ev Íevq b h_vh_ c` ÿc MÖnYKiZt Zv ev Íevqb AMÖMwZ ch eÿy Ki e 2 MÖvnK wbe vpb bxwzgvjv (Customer Acceptance Policy)t MÖvnK wbe vp bi ÿ Î cyuwr evrvi mswkøó cöwzwu cöwzôv bi GKwU mywbw` ó MÖvnK wbe vpb bxwzgvjv (Customer Acceptance Policy) _vk Z n e D³ bxwzgvjvq Ab vb wel qi mv _ Avewk Kfv e wb gœv³ welqmg~n AšÍfz ³ _vk e t 3 MÖvnK t (1) ebv g ev QÙbv g ev ïaygvî b ^ihy³ Kvb MÖvnK K mev cö`vb Kiv hv e bv; Ges (2) RvwZms Ni wbivcëv cwil `i wewfbœ iryjyk bi AvIZvq mš vm I mš vmx Kv h A_ vqb, e vck aÿsmvz K A i we Ívi I Zv Z A_v q b RwoZ m ` n ZvwjKvfy³ Kvb e w³ ev mëv Ges evsjv `k mikvi KZ K ZvwjKvfy³ Kvb e w³ ev wbwl NvwlZ mëv K mev cö`vb Kiv hv e bv RvwZms Ni wbivcëv cwil `i 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 I qewjsk n Z msmön Kiv hv e evsjv `k mikvi KZ K ZvwjKvfz³ Kvb e w³ ev wbwl NvwlZ mëv ej Z mš vm we ivax AvBb, 2009 Gi 18 bs avivq cö`ë ÿgzve j evsjv `k mikvi KZ K mg q mg q mikvwi M RU cöávcb Øviv Zdwmjfz³ Kvb e w³ ev mëv K eysv e gvwbjûvwis I mš vmx Kv h A_ vqb SzuwK e e vcbvq MÖvnK ej Z wb gœv³ e w³ ev mëv K eysv e t K. cyuwr evrvi mswkøó cöwzôvb KZ K cö`ë mev MÖn Yi Rb Kvbiƒc e emvwqk m úk vcbkvix ev wnmve cwipvjbvkvix Ggb h Kvb e w³ ev mëv; Ges L. we` gvb AvBbx KvVv gvi AvIZvq wnmve cwipvjbv ev e emvwqk m úk Kvb ckv`vi ga ZvKvix KZ K cwipvwjz n j D³ wnmve cwipvjbvkvix ev e emvwqk m úk vcbkvix ev jb ` bi cök Z myweav fvmxi MÖvnK wn m e we ewpz n eb 4 MÖvnK cwiwpwz t cyuwr evrvi mswkøó cöwzwu cöwzôvb gvwbjûvwis I mš vmx Kv h A_ vqb SzuwK e e vcbvi j ÿ MÖvnK cwiwpwz I MÖvnK cwiwpwzi Z_ hvpvb cöwµqvi wb gœv³ c wz AbymiY Ki et (1) gvwbjûvwis I mš vmx Kv h A_ vqb welqk SzuwK cöwz iv a cöwzôv bi mkj MÖvn Ki (e w³ A_ev mëv) cwiwpwzi mwvk I c~y v½ Z_ msmön Ki Z n e cöwzôvbmg~n hv Z gvwbjûvwis ev mš vmx Kv h A_ vq bi SzuwKi m ylxb bv nq Zv wbwðz Kivi Rb MÖvn Ki h_vh_ cwiwpwz MÖnY Ges hvpvb cöwµqv (Know Your Customer-KYC) Ôcwiwkó-KÕ -G cö`ë wb ` kbv Abyhvqx m úv`b Ki Z n e; (2) cöwzôv bi mkj MÖvn Ki (e w³ A_ev mëv) cwiwpwzi mwvk I c~yv ½ Z_ msiÿy Ki e D jøl, c~y v½ ej Z MÖvn Ki cwiwpwz hvpvbk í cö qvrbxq mkj Z _ i mwbœ ek K eysv e Aciw` K mwvk ej Z MÖvn Ki cwiwpwz hvpvb qi wbwg Ë M nxz Z_ vw`i mwvkzv hvpvb Kiv K eysv e;

3 (3) mswkøó wmwkdwiwur Kv wwqvb cöwzôvbmg~n Zv `i Correspondent Bank Gi Underlying Customer `i cö qvrbxq mev cö`v bi ÿ Î D³ Underlying Customer Gi cwiwpwzi cö qvrbxq Z_ vw` mwvkfv e msiÿy Kiv n q Q g g cöz qb cî (Pvwn`v gvzv ek cö qvrbxq Z_ mieiv ni A½xKvimn) msmön I msiÿy Ki e GQvovI Non Resident Taka Account (NITA) ev Kv wwqvb wnmv ei gva g Z Zxq c ÿi AbyK j kqvi/wmwkdwiwur Gi weµqjä A_ cöi Yi ÿ Î ewbwdwkqvixi c~yv ½ Z_ msiÿy Ki Z n e; (4) m ú` e e vck cöwzôvb KZ K cö`ë mevi ÿ Î MÖvnK cwiwpwzi c~yv ½ Z_ msiÿy Ki Z n e Z e, h mkj m ú` e e vck cöwzôvb ïaygvî Closed-end wgdpz qvj dv Ûi e e vcbv K i _v K m mkj cöwzôvbmg~n Sponsor, Pre-IPO, A_ev lock-in kqvi nvìvi `i ÿ Î A _ i Drm hvpvbc~e K Simplified CDD Procedures AbymiY Ki Z cvi e; (5) cvu dvwji g v brvi KZ K cö`ë mevi ÿ Î MÖvn Ki cwiwpwzi c~yv ½ Z_ msiÿy Ki Z n e Z e, G ÿ Î MÖvnK discretionary cvu dvwji ( h ÿ Î kqvi/wmwkdwiwur Kbv- epvi GLwZqvi MÖvn Ki) e ZxZ Ab vb ÿ Î ( hgbt cvu dvwji g v brvi discretionary cvu dvwji) mwvkfv e A _ i Drm hvpvbc~e K Simplified CDD Procedures AbymiY Kiv hv e; Ges (6) 2010 mv ji 30 m Þ ^i Gi c~ e Lvjv wnmvemg~ ni (ez gv b Pjgvb) MÖvnK cwiwpwz nvjbvmv`ki Yi Ask wn m e mwvk I c~y v½ Z_ msmönc~e K msiÿy Ki Z n e D³ Z_ msmön I msiÿ Yi cöwµqv AvMvgx 30 Ryb, 2016 Zvwi Li g a m úbœ Ki Z n e G ÿ Î nvjbvmv`k Z wnmv ei AMÖMwZi weeiy c~ e i b vq ÎgvwmK wfwë Z cöwz ÎgvwmK mgvß niqvi ciezx gv mi 15 Zvwi Li g a wegdavbbd K AewnZ Ki Z n e 4.1 Customer Due Diligence t (1) Customer Due Diligence (CDD) ej Z wbf i hvm I ^vaxb Drm n Z cövß Z_, DcvË I `wjjvw`i wfwë Z MÖvn Ki cwiwpwz hvpvbkiy I wnmv ei jb `b gwbuwis Kiv K eysv e D jøl h, MÖvn Ki h_vh_ cwiwpwz/cwiwpwzi Z_ msmön Ges Dnv 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 BZtc~ 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 cöwzôv bi mv _ m úk vc bi AšÍwb wnz D Ïk m ú K wbwðz niqvi Rb cyuwr evrvi mswkøó cöwzwu cöwzôvb Zv `i mš wó mv c ÿ ch vß (c~y v½ I mwvk) Z_ msmön Ki e ÒcÖwZôv bi 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 mev MÖnY K i ev e emvwqk m úk vcb K i ev wnmve cwipvjbv K i m ÿ Î D³ e w³ h_vh_fv e ÿgzvcövß wkbv Zv wbwðz n q Zvi cwiwpwzi c~y v½ I mwvk Z_ msmön Ki Z n e (5) MÖvn Ki c ÿ Uªvw I ckv`vi ga ZvKvix KZ K cwipvwjz wnmv ei ÿ Î ev e emvwqk m úk vc bi ÿ Î Zv `i 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 gvb c~i Y 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 ev h Kvb cöwzôvb) mv _ e emvwqk m úk vcb I we` gvb m úk ervq ivlv Ges jb `b m úv` bi ÿ Î 4.4 bs Aby Q` gvzv ek AwaKZi mzk Zvg~jK e e v (Enhanced Due Diligence) MÖnY Ki Z n e

4 4.2 wnmv ei cök Z myweav fvmx (Beneficial Owner) (1) wnmv ei cök Z myweav fvmx (Beneficial Owner) mbv³kiyc~e K cyuwr evrvi mswkøó cöwzwu cöwzôvb wbf i hvm m~î n Z msm nxz Z _ i Av jv K Zv `i cwiwpwz wbwðz Ki e (2) hw` Kvb MÖvn Ki c ÿ Ab Kvb e w³ wnmve ev e emvwqk m úk cwipvjbv K i, m ÿ Î wnmv ei cök Z myweav fvmx we epbvq MÖvnK QvovI D³ e w³i cwiwpwzi mwvk I c~y v½ Z_ msmön I msiÿy Ki Z n e (3) hw` Kvb cövwzôvwbk MÖvn Ki Dci Kvb e w³i (GKK ev mw wjzfv e) wbqš Y hvm ^v_ _v K m ÿ Î D³ e w³i cwiwpwzi mwvk I c~y v½ Z_ msmön I msiÿy Ki Z n e; (4) 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 `i cwiwpwzi mwvk I c~y v½ Z_ msmön I msiÿy Ki Z n e; Ges (5) GQvovI wnmv ei cök Z myweav fvmx we epbvq Uªv i wbqš YKvix/wbqš YKvixM Yi cwiwpwzi cö qvrbxq Z_ msiÿy Ki Z n e 4.3 Customer Due Diligence m úv`b Kiv m e bv n j cyuwr evrvi mswkøó cöwzôvbmg~ ni 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 cyuwr evrvi mswkøó cöwzôvbmg~n wb œiƒc e e v MÖnY Ki et (1) D³iƒc MÖvnK K mev cö`vb bv Kiv ev cö qvr b we` gvb mev eü Kiv A_ev Kvb e emvwqk m úk vcb bv Kiv; (2) we` gvb Giƒc mev eü Kivi ÿ Î EaŸ Zb KZ c ÿi Aby gv`b MÖnY Kiv Ges mev eü Kivi c~ e mev eüki Yi KviY D jølc~e K MÖvnK K bvwuk cö`vb Kiv; (3) ÿîgz Giƒc MÖvn Ki wel q wegdavbbd eive i m `nrbk jb `b wi cvu `vwlj Kiv 4.4 Enhanced Due Diligence t cyuwr evrvi mswkøó cöwzwu cöwzôvb Zv `i MÖvnK ev e emvwqk m úk vcbkvix e w³i mkj RwUj, A ^vfvwek ev e n`vs Ki jb `b (h_vh_ Avw_ K ev AvBbMZ D Ïk Abycw Z) wbqwgzfv e ch eÿy Ki e hmkj ÿ Î gvwbjûvwis I mš v m A_ vq bi SuywK AwaKZi g g cözxqgvb n e mme ÿ Î cöwzôvb K AwaKZi mzk Zvg~jK e e v (Enhanced Due Diligence :EDD) m úv`b Ki Z n e G ÿ Î EDD m úv` bi wbwg Ë cyuwr evrvi mswkøó cöwzôvb jv CDD Gi AwZwi³ wn m e wb œewy Z wb ` kbv AbymiY Ki et (1) MÖvnK ev e emvwqk m úk vcbkvix e w³/mëvi m ^ Ü AwZwi³ Z_ ( ckv, m ú `i cwigvy, B Uvi bu ev wewfbœ cvewjk WvUv er n Z msm nxz Z_ BZ vw`) msmön Ki e Ges wbw` ó ev wba vwiz weiwz Z nvjbvmv` Ki e; (2) MÖvnK ev e emvwqk m úk vc bi D Ïk m ú K AwZwi³ Z_ msmönc~e K wbwðz n e; (3) MÖvnK ev e emvwqk m úk vcbkvixi A _ i Drm ev m ú `i cwigvb m ú K Z_ msmön Ki e; (4) MÖvnK ev e emvwqk m úk vcbkvix KZ K m úvw`z ev m úvw`ze jb `b m úwk Z Z_ msmön Ki e; (5) Dchy³/EaŸ Zb KZ c ÿi Aby gv`b mv c ÿ e emvwqk m úk vcb Ki e; Ges (6) MÖvnK ev e emvwqk m úk vcbkvixi jb `b/ jb `bmg~n wbqwgz I wbweofv e ch eÿy Ki e Ges fwel Z jb `b ch eÿ Yi c wz wbav iy Ki e 4.5 mkix i Abycw Z ev `~iez x MÖvn Ki ( Non face to face customer) ÿ Î KiYxq t cyuwr evrvi mswkøó cöwzôvb Zv `i 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 mg q mg q Zv ch v jvpbv Ki e mkix i Abycw Z ev `~iez x MÖvnK ej Z H mkj MÖvnK K eysv e hviv cöwzôv b mkix i Dcw Z bv n q cöwzôv bi G R Ui gva g ev wb Ri ckv`vi cöwzwbwai (AvBbRxex, GKvD U U BZ vw`) gva g mev MÖnY K i _v K

5 4.6 Politically Exposed Persons (PEPs) Gi ÿ Î KiYxq t cyuwr evrvi mswkøó cöwzôvb jv Politically Exposed Persons (PEPs) Gi wnmve Lvjv I wnmve cwipvjbvi ÿ Î G mvk yjv ii 4.1, 4.2, 4.3 I 4.4 b ^i Aby Q ` ewy Z wb ` kbv Abymi Yi cvkvcvwk wb gœi wb ` kbvmg~n AbymiY Ki Z n e t K. MÖvn Ki cök Z myweav fvmx PEPs wkbv Zv wbav i Yi Dchy³ c wz cöez b Kiv; L. Dchy³ EaŸ Zb KZ c ÿi Aby gv`b mv c ÿ PEPs Gi mv _ e emvwqk m úk vcb Kiv; M. Kvb PEP Gi wnmv ei A_ ev m ú `i Drm Rvbvi Rb h _vchy³ e e v MÖnY Kiv; N. Zv `i wnmv ei jb `b wbqwgzfv e gwbui Kiv; Ges O. Foreign Exchange Regulation Act, 1947 I Gi AvIZvq evsjv `k e vsk KZ K RvixK Z Awbevmx `i wnmve Lvjv msµvší hvezxq wewaweavb h_vixwz cwicvjb Kiv D jøl, 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 `i mv _ wbweofv e m úwk Z e w³i (close associates) ÿ ÎI Dc iv³ wb ` kbvmg~n cö hvr n e Z 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 4.7 cöfvekvjx e w³i (Influential Persons) ÿ Î KiYxq t cyuwr evrvi mswkøó cöwzôvb jv K Zv `i 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 emvwqk m úk SuywKc~Y cözxqgvb n j 4.1, 4.2 I 4.3 b ^i Aby Q ` ewy Z wb ` kbv Abymi Yi cvkvcvwk Aby Q` 4.6 Gi L n Z O µwg K ewy Z wb ` kbv cwicvjb Ki Z n e D jøl, 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 `i cwiev ii m`m I Zv `i mv _ wbweofv e m úwk Z e w³i (close associates) ÿ ÎI cö hvr n e Z 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 4.8 AvšÍR vwzk ms vi cöavb ev D P ch v qi Kg KZ vi ÿ Î KiYxq t cyuwr evrvi mswkøó cöwzôvb jv K Zv `i 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 G ai Yi MÖvn Ki mv _ e emvwqk m úk vcb SuywKc~Y cözxqgvb n j 4.1, 4.2 I 4.3 b ^i Aby Q ` ewy Z wb ` kbv Abymi Yi cvkvcvwk Aby Q` 4.6 Gi L n Z O µwg K ewy Z wb ` kbv cwicvjb Ki Z n e D jøl, 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 `i cwiev ii m`m I Zv `i mv _ wbweofv e m úwk Z e w³i (close associates) ÿ ÎI cö hvr n e Z 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 5 bzzb mev ev cöhyw³ (New Service or Technology) MÖn Yi ÿ Î KiYxq t cyuwr evrvi mswkøó cöwzôvbmg~n KZ K cöhyw³ wbf i bzzb Kvb mev ev c wz cöpjb ev cöpwjz mev ev c wzi Dbœq bi ÿ Î mswkøó cöwzôvb D³ mev ev c wz cöez b gvwbjûvwis I mš vmx Kv h A_ vq b SzuwK i q Q wkbv Zv wpwýz Ki e, SzuwKi gvîv wbiƒcy Ki e Ges Giƒc mev ev c wz n Z m ó SuywK gvkv ejvi Rb h_vh_ e e v MÖnY Ki e

6 6 jb `b gwbuwis t (1) cyuwr evrvi mswkøó cöwzôvbmg~n MÖvn 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 ea D Ïk bb Giƒc jb `b AwaKZi iæz mnkv i gwbui Ki Z n e (3) wbw` ó mgq AšÍi AšÍi MÖvn Ki SzuwK ch v jvpbv Kivi Rb GKwU Kvh Ki c wz/e e v MªnY Ki Z n e Ges m Abyhvqx D P SuywKm úbœ wn m e köyxk Z MÖvn Ki ÿ Î AwaKZi mzk Zvg~jK e e v ev Enhanced Due Diligence (EDD) Aej ^b Ki Z n 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 ` kbv ev Íevq bi wbwg Ë cyuwr evrvi mswkøó cöwzwu cöwzôv bi mkj Kg KZ v `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 cöwzôv bi 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) cö hvr ÿ Î, cyuwr evrvi mswkøó cöwzôvbmg~ ni kvlvi h 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 (BAMLCO) 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 Ki eb ewy Z jb `b ev Kvh µgwu we kølyc~e K Zv m `nrbk wn m e we ewpz n j Awej ^ gšíe mn cö qvrbxq `wjjvw` K `ªxq cwicvjb BDwb U cööiy Ki eb Ges m `nrbk wn m e we ewpz bv n j gšíe mn kvlvq msiÿy 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 goaml Manual Gi wb ` kbv Abymv i Awej ^ goaml web e envi K i m `nrbk jb `b wi cvu cªi Yi cvkvcvwk Ôcwiwkó-LÕ Z mshy³ dig e envi K i cö qvrbxq Z_ -DcvË ev `wjjvw`mn wegdavbbd eivei m `nrbk jb `b wi cvu `vwlj Ki e (5) cyuwr evrvi mswkøó cöwzôvbmg~n wi cvu K Z m `nrbk jb `b msµvší Z_ vw` wegdavbbd KZ K ciez x wb ` kbv bv `qv ch ší msiÿy Ki e (6) m `nrbk jb `b ev Kvh µg mbv³kiy ev wi cvu Kivi mv _ mswkøó Kg KZ vmy welqwui MvcbxqZv wbwðz Ki eb (7) 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 (8) cöwzôvb KZ K lvb vwmk wfwë Z mgvß lvb vwm Ki wi cvu K Z mkj m `nrbk jb `b wi cv U i GKwU mvivsk mswkøó lvb vwmk kl niqvi ciez x gv mi 15 Zvwi Li g a BZtc~ e RvixK Z MvBWjvB Ý DwjøwLZ QK gvzv ek gnve e vck, evsjv `k dvbb vwýqvj B Uwj RÝ BDwbU, evsjv `k e vsk, cöavb Kvh vjq, XvKv Gi eive i cöiy Ki Z n e D jøl, mswkøó lvb vwm K Kvb m `nrbk jb `b wi cvu bv Ki ji k~b weeiyx `vwlj Ki Z n e 8 Self Assessment Ges Independent Testing Procedures t gvwbjûvwis I mš vmx Kv h A_ vqb cöwz iv a GKwU Kvh Kix e e v cöwzôvi j ÿ cyuwr evrvi mswkøó cöwzwu cöwzôvb wbr ^ gvwbjûvwis cöwz iva Kvh µ gi h_v_ Zv hvpvb qi Rb cwiwkó ÒMÓ G mshy³ PKwj gvzv ek Aa evwl K wfwë Z (Rvbyqvwi-Ryb I RyjvB- ww m ^i) Self Assessment Kvh µg cwipvjbv Ki e K `ªxq cwicvjb BDwbU cöavb Kvh vjqmn mkj kvvlvi (cö hvr ÿ Î) Self Assessment Kvh µg n Z cövß djvd ji GKwU mvims ÿc cöwzôv bi cöavb wbev nx I

7 Aci GKwU Kwc ciezx gv mi 15 Zvwi Li g a wegdavbbd eive i cöiy Ki e GQvovI, cö hvr ÿ Î, cöwzôv bi Af šíixy wbixÿv wefv Mi gva g Independent Testing Procedures h_vh_fv e m úbœ Ki e GKvwaK kvlv m ^wjz cöwzôv bi ÿ Î, gvwbjûvwis I mš v m A_ vqb cöwz iv a we` gvb AvBb, wewagvjv, wegdavbbd Gi wb ` kbv Ges G welqk wbr ^ bxwzgvjv m ú K mg K Ávb i q Q Ggb e w³ `i mgš^ q Af šíixy wbixÿv wefv M ch vß jvkej wbwðz Ki Z n e 8.1. Af šíixy wbixÿv wefv Mi KiYxq t (1) Af šíixy wbixÿv wefvm Independent Testing Procedures Kvh µg m úv` bi Rb cwiwkó ÒMÓ G mshy³ PKwj Gi wfwë Z mswkøó kvlvi gvwbjûvwis I mš vmx Kv h A_ vqb cöwz iva Kvh µg mswkøó welqvw` cixÿv Ki e (2) Af šíixy wbixÿv wefvm cwi`wk Z/wbixwÿZ kvlvmg~ ni iwus m ^wjz cöwz e` bi Kwc cöwzôv bi K `ªxq cwicvjb BDwbU eive i cöiy Ki e 8.2. K `ªxq cwicvjb BDwb Ui KiYxq t K `ªxq cwicvjb BDwbU cöwzôv bi 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. wi cvu Kv j Af šíixy wbixÿv wefvm KZ K cwi`wk Z/wbixwÿZ kvlvmg~ ni Ae v; L. Af šíixy wbixÿv wefvm KZ K `vwljk Z cöwz e` b DwjøwLZ mvaviy I we kl Awbqgmg~n; Ges M. cöavb Kvh vj qi/kvlvi (cö hvr ÿ Î) Self Assessment Kvh µg n Z cövß djvd ji mv _ Af šíixy wbixÿv wefvm KZ K `vwljk Z cwi`k b/wbixÿv cöwz e` bi mgš^q mvab Ges fwel Z Kg cwikíbv wba viy 9 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) cyuwr evrvi mswkøó cöwzwu cöwzôvb cwipvjbv cl `i Aby gv`bµ g mš vmx Kv h A_ vqb I e vck aÿsmvz K A we Ívi msµvší Kvh µ g AskMÖnYKvix e w³ ev cöwzôv bi wnmve cwipvjbvi cöwz iva I mbv³ Kivi j ÿ GKwU Kvh Ki c wz cöwzôv Ki e, cöwzôv bi Kg KZ v `i `vq`vwqz m úwk Z wb ` kbv Rvix Ki e, mg q mg q Zv ch v jvpbv Ki e Ges wegdavbbd KZ K RvixK Z wb ` kbv h_vh_fv e cwicvjb Kiv n Q wkbv Zv wbwðz Ki e (2) cyuwr evrvi mswkøó cöwzwu cöwzôvb G mvkz jv ii 2(2) G msávwqz RvwZms Ni wbivcëv cwil `i wewfbœ iryjyk bi AvIZvq mš vm, mš vmx Kv h A_ vqb I e vck aÿsmvz K A we Ívi msµvší 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 (3) cyuwr evrvi mswkøó cöwzwu cöwzôvb RvwZms Ni wbivcëv cwil `i 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 `i wbqš Yvaxb/ ^v_ mswkøó Kvb e w³ ev mëv MÖvnK wn m e 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 `i wbqš Yvaxb/ ^v_ mswkøó Kvb e w³ ev mëv MÖvnK wn m e wpwýz niqvi mv _ mv _ mswkøó cöwzôvb D³ MÖvn Ki jb `b, mev cö`vb ev Payment wmzkiyc~e K ciezx Kg w`e mi g a wegdavbbd K AewnZ Ki e (4) cyuwr evrvi mswkøó cöwzwu cöwzôvb 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 hvwpz ev D³ iryjyk bi AvIZvq evsjv `k mikvi KZ K ZvwjKvfy³ ev wbwl NvwlZ Kvb e w³ ev mëv MÖvnK wn m e i q Q wkbv Zv wpwýz Kivi Rb wbqwgz jb `b/wnmv ei Kvh µg gwbui Ki e Ges cö qvr b jb `b/wnmv ei Kvh µg ch v jvpbv Ki e ZvwjKvfz³ ev wbwl NvwlZ Kvb e w³ ev mëv MÖvnK wn m e wpwýz niqvi mv _ mv _

8 mswkøó cöwzôvb D³ MÖvn Ki jb `b, mev cö`vb ev Payment wmzkiyc~e K ciezx Kg w`e mi g a wegdavbbd K AewnZ Ki e 10 wb qvm I cöwkÿy t 10.1 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 cöwzwu cöwzôvb Zv `i wewfbœ wb qvm cöwµqvq h_vh_ hvpvb cöwµqv (Screening Mechanism) AbymiY Ki e hv Z Kvb Í ii Kg KZ vi gva g cöwzôvb G ai Yi SuzwKi m ylxb bv nq 10.2 cöwkÿy- Kg KZ v t 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 cöwzôvb Zv `i mkj Kg KZ v `i (gvwjk/cwipvjk/ EaŸ Zb KZ KZ vmyi AšÍ fy³ n eb) Rb 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 e e v Ki e Ges G msµvší Z_ I `wjjvw` msiÿy Ki e 10.3 cöwkÿy- MÖvnK t (1) cyuwr evrvi mswkøó cöwzwu cöwzôvb Zv `i MÖvnK `i mev cö`v bi cöv v j hvwpz wewfbœ Z_ mwbœ ek I `wjjvw` `vwl ji h w³kzvi wel q 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 `i m PZbZv e w i j ÿ cöwkÿy cö`vb, mg q mg q wjd ju weziy Ges cöwzwu kvlvi (cö hvr ÿ Î) ` k gvb v b G welqk cv vi vc bi e e v Ki e 11 ikw Ges cö qvrbxq Z_ /`wjjvw` msiÿy t (1) MÖvnK msµvší mkj cö qvrbxq Z_ ev `wjjvw` MÖvnK mev/e emvwqk m úk 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`, e emvwqk cî hvmv hvm Ges Kvb MÖvn Ki wel q Kvb cöwz e`b cöyxz n j G mkj Z_ vw`/`wjjvw`i MÖvn Ki mev eü niqvi ZvwiL n Z Ab~ b 5 (cuvp) ermi ch ší msiÿy Ki Z n e (3) msiwÿz Z_ vw` Aciva Kvh µ gi wepvwik cöwµqvq `vwjwjk cögvy wn m e Dc vcb Kivi ÿ Î h _ó/ch vß n Z n e (4) 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 cöwzôvbmg~n mieivn Ki e 12 cyuwr evrvi mswkøó cöwzôv bi Rb BZtc~ e RvixK Z wb œv³ mvkz jvi/mvkz jvi juvimg~ ni wb ` kbv ejer _vk et mvkz jvi/mvkz jvi juvi bs Rvixi ZvwiL welq wegdavbbd mvkz jvi bs gvp, 2012 gvwbjûvwis cöwz iva AvBb, 2012 I mš vm we ivax (ms kvab) AvBb, 2012 Rvix cöm ½ wegdavbbd mvkz jvi bs RyjvB, 2013 mš vm we ivax (ms kvab) AvBb, 2013 Rvix cöm ½ wegdavbbd mvk yjvi juvi bs-03/ GwcÖj, 2015 gvwbjûvwis cöwz iva wewagvjv, 2013 Ges mš vm we ivax wewagvjv, 2013 cöm ½

9 13 Aby Q` 12 G DwjøwLZ mvkz jvi I mvkz jvi juvi e ZxZ G mvk yjvi Rvixi c~ e cyuwr evrvi mswkøó cöwzôvbmg~ ni Rb wegdavbbd KZ K RvixK Z Ab mkj mvkz jvi I mvkz jvi juv ii wb ` kbv G mvkz jv ii wb ` kbv Øviv cöwz vwcz g g we ewpz n e GQvovI, G mvkz jv i ewy Z wb ` kbvi wek` e vl vi ÿ Î wemz 30/12/2012 Zvwi L wegdavbbd mvkz jvi-6 Gi gva g RvixK Z MvBWjvB Ýi weavbvejxi AbymiY Ki Z n e G mvkz jv ii wb ` kbvmg~n Awej ^ Kvh Ki n e Avcbv `i wek Í, ms hvrbx t gvu 7 (mvz) c ôv ( `ecömv` `ebv_) gnve e vck dvbt cöwzwjwc bs- wegdavbbd (cwjwm) 03/2012- ZvwiL : DwjøwLZ AeMwZ I cö qvrbxq e e v MÖn Yi Rb cöwzwjwc cöiy Kiv n jv t- ( R ôzvi µg Abyhvqx bq) 1. mwpe, e vsk I Avw_ K cöwzôvb wefvm, A_ gš Yvjq, evsjv `k mwpevjq, XvKv 2. Pqvig vb evsjv `k wmwkdwiwur G PÄ Kwgkb, Rxeb exgv UvIqvi, 10 w`jkzkv, XvKv 3. e e vcbv cwipvjk, Bb f g U K c v ikb Ae evsjv `k, wkí e vsk feb, 8 wwavbwu GwfwbD, XvKv 4. Pqvig vb, exgv Dbœqb I wbqš Y KZ cÿ, mvaviy exgv feb-2, 139, gwzwsj, XvKv 5. iwr ªvi, iwr ªvi Ae R q U K Kv úvbxr, XvKv 6. Pqvig vb/e e vcbv cwipvjk, XvKv K G PÄ wjt, 9/Gd, gwzwsj, XvKv 7. Pqvig vb/e e vcbv cwipvjk, PÆMÖvg K G PÄ wjt, 1080, kl gywre ivw, AvMÖvev`, PÆMÖvg 8. mkj wefvmxq cöavb, evsjv `k e vsk, cöavb Kvh vjq, XvKv 9. gnve e vck, evsjv `k e vsk, gwzwsj, XvKv/PÆMÖvg/ivRkvnx/Lyjbv/e ov/wm ju/m`invu,xvkv/ewikvj/iscyi/gqgbwmsn 10. mfvcwz, gv P U e vskvm G mvwm qkb, BDmyd P ^vi (7g d vi), 20 w`jkzkv, XvKv 11. Pqvig vb/ cöwm W U, G v mu g v br g U Kvs GÛ wgdpz qvj dvûm, cöh Zœt im cvu dvwji GÛ Bmÿ g v br g U wjt, j fj-13, wewwwegj feb, 8 ivrdk GwfwbD, XvKv 12. Pqvig vb, evsjv `k G mvwm qkb Ae e vskm, 42, Kvgvj AvZvZzK GwfwbD, ebvbx, XvKv 13. Pqvig vb, G mvwm qkb Ae e vskvm, evsjv `k, B vb Kgvwk qvj Kg cø, 73, KvKivBj, XvKv 14. cöavb wbev nx Kg KZv, mkj Zdwmjx e vsk I mkj Avw_ K cöwzôvb 15. wbe vnx cwipvjk, Mfb i g nv` qi mwpevjq, evsjv `k e vsk, cöavb Kvh vjq, XvKv 16. Mfb i g nv` qi e w³mz Kg KZ v, evsjv `k e vsk, cöavb Kvh vjq, XvKv 17. WcywU Mfb i g nv`qm Yi mv _ mshy³ Dc-cwiPvjK/mnKvix cwipvjk, evsjv `k e vsk, cöavb Kvh vjq, XvKv 18. A_ bwzk Dc `óv/wbe vnx cwipvjk g nv`qm Yi e w³mz mnkvix, evsjv `k e vsk, cöavb Kvh vjq, XvKv 19. gnvcwipvjk, evsjv `k Bbw wudu Ae e vsk g v br g U, wgicyi, XvKv 20. gnvmwpe, w` Bbw wudu Ae e vskvm evsjv `k, wegmavigm feb, 10g Zjv, 12, KvIivb evrvi, ZRMuvI, XvKv 21. wcöwýcvj, evsjv `k e vsk cöwkÿy GKv Wgx, wgicyi, XvKv ( gvt gvmỳ ivbv) Dc cwipvjk dvb : /2475

10 cwiwkó-ôkõ Mªvn Ki cwiwpwz cöwzôvi Rb cö qvrbxq Z_ vw`i wb ` kk ZvwjKv cyuwrevrvi mswkøó cöwzwu cöwzôvb wnmve Lvjvi Ae ewnz cib MÖvn Ki cwiwpwzi GKwU c~yv ½ cövdvbj Zix Ges Zv h_vh_fv e msiÿy Ki e cöwzôvbmg~n KZ K cö ZK Z MÖvn Ki cwiwpwzi GBiƒc Z_ vejx MÖvn Ki jb `b gwbuwis (Transaction Monitoring) Gi wfwë wn m e we ewpz n e MÖvn Ki cwiwpwzi GKwU c~yv ½ cövdvbj Zixi ÿ Î wnmve Lvjvi di g MÖvnK cö`ë Z_, MÖvnK KZ K mieivnk Z wewfbœ WKz g U Ges cö hvr ÿ Î MÖvn Ki e w³mz mvÿvrkv ii (personal interview) Dci iæz Av ivc Kiv h Z cv i MÖvn Ki mwvk cwiwpwz cöwzôvi wel q c~y mš wó wbwðz Kivi Rb wb œv³ Z_ I mswkøó KvMRcÎmn mkj Z_ vw` Ges/A_ev AwZwi³ h Kvb cövmw½k Z_ vw`i mwbœ ek _vk Z n et 1) MÖvn Ki e w³mz Z_ vw` ( hgbt bvg, wczv-gvzv/ ^vgx- xi bvg, ez gvb I vqx wvkvbv, Rb ZvwiL, TIN b ^i (hw` _v K) 2) hvmv hv Mi we ÍvwiZ weeiy ( Uwj dvb b ^i, gvevbj b ^i, B- gbj BZ vw`) 3) cvm cvu /RvZxq cwipqcî /Rb wbeüb mb` Ges Qwehy³ AvBwW KvW 4) MÖvn Ki ckvi we ÍvwiZ ey bv 5) MÖvnK KZ K jb `bk Z A _ i cök Z Drm (Source of Fund) 6) MÖvnK cwipvwjz wnmve/ jb ` bi cök Z myweav fvmx (Beneficial Owner) msµvší Z_ vejx Ae w³k MÖvn Ki ÿ Î mwvk cwiwpwz cöwzôvi wbwg Ë wb œv³ cövmw½k Z_ vw`i mwbœ ek _vk Z n et 1) e w³ gvwjkvaxb cöwzôvb t UªW jvb mýmn wnmve cwipvjbvkvixi (cöwzôv bi ^Z vwakvixi) wel q e w³mz Z_ vejx h_vh_fv e msmön Ki Z n e 2) cvu bvikxc t cvu bvikxc www, UªW jvb mýmn Askx`viM Yi cwiwpwzi wel q cö Z K cvu bvi/ kqvi nvìv ii e w³mz Z_ vejx h_vh_fv e msmön 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 cwipvjbvkvix ev wnmv ei myweav fvmx we epbvq cö Z K cwipvj Ki/ kqvi nvìv ii e w³mz Z_ vejx h_vh_fv e msmön Ki Z n e ( Kv úvbx ev Gi cwipvjkmy mswkøó Z_ vw`i mwvkzv hvpvb qi j ÿ cö qvr b 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 Bmÿ K Z n q Q, cö qvr b mlv b hvmv hvm K i `wjjvw`i h_v_ Zv m ú K wbwðz niqv h Z cv i) 4) 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 cwipvjbvkvix/wnmv ei cök Z myweav fvmxi e w³mz Z_ vejx h_vh_fv e msmön Ki Z n e 5) Ab vb msmv bi wnmve t K) 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 wnmve cwipvjbvkvix/wnmv ei cök Z myweav fvmxi e w³mz Z_ vejx h_vh_fv e msmön Ki Z n e L) mgevq mwgwz/wjwg UW mvmvbwu t Kv-Acv iwuf Kg KZ v KZ K mz vwqz evb-jr, Awdm Kg KZ v `i (office bearers) weeiy, wnmve Lvjvi wel q wm vší (resolution), mvwu wd KU Ae iwr ªkb

11 BZ vw`mn mswkøó wnmve cwipvjbvkvix/wnmv ei cök Z myweav fvmxi e w³mz Z_ vejx h_vh_fv e msmön Ki Z n e M) 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 wnmve cwipvjbvkvix/wnmv ei cök Z myweav fvmxi e w³mz Z_ vejx h_vh_fv e msmön Ki Z n e N) 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 wnmve cwipvjbvkvix/wnmv ei cök Z myweav fvmxi e w³mz Z_ vejx h_vh_fv e msmön Ki Z n e

12 cwiwkó- L A. Reporting Institution : 1. Name of the Institution: 2. Name of the Branch: B. Details of Report: 1. Date of sending report: Suspicious Transaction Report (STR) (Individual/joint Client) 2. Is this the addition of an earlier report? 3.If yes, mention the date of previous report C. Suspect Account Details : 1. BO Account Number: 2. Folio Number/Client Code: 3. Name of the account: Yes No 4. Nature of the account: (Margin/Non Margin/Portfolio/other, pls. specify) 5. Nature of ownership: (Individual/proprietorship/partnership/company/other, pls. specify) 6.Date of opening: 7. Address: D. Account holder details (in case of Individual): Name of the account holder: 2. Address: 3. Profession (in details): 4. Nationality: 5. Other account(s) number (if any): 6. Other business:

13 7. Father s name: 8. Mother s Name: 9. Date of birth: 10. Contact: Mobile No/ Bank account details: 12. TIN: Name of the account holder: (if joint/multiple) 2. Relation with the account holder mention in sl. no. D1 3. Address: 4. Profession: 5. Nationality: 6. Other account(s) number(if any): 7. Other business: 8. Father s name: 9. Mother s Name: 10. Date of birth: 11. Contact: Mobile No/ 11. Bank account details: 12. TIN:

14 E. Introducer Details : 1. Name of introducer: 2. BO and Client Code number: 3.Relation with account holder: 4. Address: 5. Date of opening: 6. Whether introducer is active/inactive client F. Reasons for considering the transaction(s) as unusual/suspicious? a. Identity of clients b. Activity in account (Mention summary of suspicion and consequence of events) (Use separate sheet if needed) c. Background of client d. Multiple accounts e. Nature of transaction f. Value of transaction g. Other reason (Pls. Specify) F. Name of the associates and volume of transaction (Mention summary of suspicion and consequence of events) (Use separate sheet if needed)

15 H. Documents to be enclosed 1. Account opening form along with submitted documents 2. KYC Profile; 3. Transaction Statement 4. Other supporting documents (if any) Signature : (Chief Anti Money Laundering Compliance Officer) Name : Designation : Phone : Date :

16 A. Reporting Institution : 1. Name of the Institution: 2. Name of the Branch: B. Details of Report: 1. Date of sending report: Suspicious Transaction Report (STR) (Corporate Client) 2. Is this the addition of an earlier report? 3.If yes, mention the date of previous report C. Suspect Account Details : 1. BO Account Number: 2. Folio Number/Client Code: 3. Name of the Legal Person: Yes No 4. Nature of the account: (Margin/Non Margin/Portfolio/other, pls. specify) 5. Nature of ownership: (proprietorship/partnership/company/other, pls. specify) 6.Registration No.: 7. Registration No. & Authority: 8. Address in details : 9. Contact Details: 10. List of related Directors/Partners (at least 2, with contact details) : 11. Bank account details: 12. TIN: 13. BIN:

17 D. Reasons for considering the transaction(s) as unusual/suspicious? a. Identity of clients (Mention summary of suspicion and consequence of events) b. Activity in account c. Background of client d. Multiple accounts e. Nature of transaction f. Value of transaction g. Other reason (Pls. Specify) E. Name of the associates and volume of transaction (Mention summary of suspicion and consequence of events) (Use separate sheet if needed)

18 F. Documents to be enclosed 1. Account opening form along with submitted documents 2. KYC Profile; 3. Transaction Statement 4. Other supporting documents (if any) Signature : (Chief Anti Money Laundering Compliance Officer) Name : Designation : Phone : Date :

19 cyuwrevrvi mswkøó cöwzôv bi bvg cwiwkó-m ÑÑÑÑ cöavb Kvh vjq/kvlv cöavb Kvh vjq/kvlv KZ K Self Assessment c wzi gva g wbr ^ Ae vb wby q cyuwrevrvi mswkøó cöwzwu cöwzôvb gvwbjûvwis I mš vmx Kv h A_ vqb cöwz iva welqk we` gvb AvBb, wewagvjv, wegdavbbd KZ K mgq mgq RvixK Z wb ` kbv I cöwzôv bi 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 `i Ae vb wby q Ki e t cökœgvjv hvpvb qi gvb`û kvlv/cöavb Kvh vj qi ez gvb Ae v 1. cöwzôv b/kvlvq gvu Kg KZ vi msl v KZ (c`vbyhvqx)? KZRb Kg KZ v gvwbjûvwis I mš v m A_ vqb cöwz iva welqk AvbyôvwbK cöwkÿy MÖnY K i Qb? (kzkiv nvi) 2.K) cöwzôv b/kvlvq CAMLCO/BAMLCO Rô I AwfÁ wkbv? wemz `yb eq i wzwb gvwbjûvwis I mš vmx Kv h A_ vqb cöwz iva welqk Kvb cöwkÿy c q Qb wkbv? L) cöwzôv b/kvlvq gvwbjûvwis cöwz iva Kvh µg h_vwbq g cwicvwjz n Q G welqwu wbwðz niqvi j ÿ CAMLCO/BAMLCO wbw` ó I MÖnY hvm mgq ci ci Ges Kvh Ki cöwµqvq gwbuwis I ch v jvpbv K i _v Kb wkbv? 3. CAMLCO/BAMLCO cöwzôv bi/kvlvi Kg KZ vmy gvwbjûvwis I mš vmx Kv h A_ vqb cöwz iva wel q we` gvb AvBb, wewagvjv, wegdavbbd KZ K mg q mg q RvixK Z wb ` kbv I cöwzôvb KZ K RvixK Z gvwbjûvwis I mš v m A_ vqb cöwz iva welqk wbr ^ bxwzgvjv m ú K AewnZ Av Qb wk? 4. cöwzôvb/kvlv ch v q ÎgvwmK wfwë Z gvwbjûvwis I mš v m A_ vqb cöwz iva welqk mfv AbywôZ nq wkbv? cöwkÿy msµvší ikw hvpvb Ki Z n e CAMLCO/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? STR mbv³ki Y e e v bqv nq wkbv? welqwu hvpvb qi c wz Kx? mfvq Kx Kx iæz c~y wm vší M nxz n q Q? mfvq M nxz wm vší wkfv e ev ÍevwqZ nq? M nxze Kvh µg/mycvwik

20 cökœgvjv hvpvb qi gvb`û kvlv/cöavb Kvh vj qi ez gvb Ae v 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? 6. wegdavbbd KZ K RvixK Z wb ` kbv Ges cöwzôv bi wbr ^ bxwzgvjv Abyhvqx gvwbjûvwis I mš v m A_ vqb msµvší SzuwK cöwz iv a h_vh_ e e v MÖnY Kiv n q Q wk bv? 7. cöwzôv b/kvlvq MÖvn Ki KYC Profile Gi Z_ wegdavbbd KZ K RvixK Z wb ` kbv gvzv ek mg q mg q cybtg~j vqbc~e K nvjbvmv` K i wkbv? 8. mš vm we ivax AvBb, 2009 (ciez x ms kvabxmn) Gi Aaxb mš vmx Kv h A_ vqb cöwz iv ai j ÿ kvlv/cöavb Kvh vjq Kx ai bi c` ÿc MÖnY K i Q? 9. G hver kvlv /cöavb Kvh vjq KZ K KZ jv m `nrbk jb `b (STR) kbv³/wi cvu Kiv n q Q? 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 `i ÿ Î SuywKi wbix L Enhanced Due Diligence (EDD) Kiv nq wkbv? G welqk wbr ^ bxwzgvjv cöyqb Kiv n q Q wkbv? n j D³ bxwzgvjv kvlvq wkfv e ev ÍevwqZ n Q? Kx c wz Z Giƒc g~j vqb m úvw`z n q _v K? RvwZms Ni wbivcëv cwil `i 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/cöavb Kvh vj q msiÿy I Z`vbymv i wnmv ei jb `b Kvh µg hvpvb Kiv nq wkbv? Giƒc Kvb e w³ ev mëvi bv g kvlv/cöavb Kvh vjq/g R U Kvh vj q cwipvwjz wnmve/cwjwmi (hw` _v K) wel q wegdavbbd K AewnZ Kiv nq wkbv? cöwzôv b/kvlvq m `nrbk jb `b wpwýz Kivi Kvb c wz AbymiY Kiv nq wkbv? M nxze Kvh µg/mycvwik

21 cökœgvjv hvpvb qi gvb`û kvlv/cöavb Kvh vj qi ez gvb Ae v M nxze Kvh µg/mycvwik 10. gvwbjûvwis cöwz iva AvBb, mš vm we ivax AvBb, mvk yjvi, cöwkÿy ikw, weeiyx I GZ`&msµvšÍ Ab vb wel qi Avjv`v bw_ kvlv/cöavb Kvh vjq KZ K msiÿy Kiv nq wkbv? AvBb, mvkz jvi BZ vw`i Kwc kvlv/cöavb Kvh vj qi mkj Kg KZ v/kg Pvix `i mieivn Kiv nq wkbv? 11. wegdavbbd mvky jvi Abymv i cöwzôv b/kvlvq PEPs, cöfvekvjx e w³, AvšÍR vwzk ms vi cöavb ev D P ch v qi Kg KZ vi Kvb wnmve cwipvwjz n Q wkbv? 12. cöwzôv b evsjv `k dvbb wýqvj B Uwj RÝ BDwbU KZ K cwipvwjz c~ e i cwi`k b cöwz e` b D jøwlz gvwbjûvwis cöwz iva I mš v m A_ vqb cöwz iva cwicvjb welqk `ye jzv/awbqgmg~n wbqwgz Kiv n q Q wkbv? msiwÿz n q _vk j n vu A_ev bv n q _vk j bv, AvswkK n j wk wk msiwÿz Av Q Zv wjlyb DËi n vu n j GB wnmve Lvjv I cwipvjbvi ÿ Î Kvb ai Yi mzk Zv Aej ^b Kiv n Q? bv n q _vk j cöwzeükzvmg~n wk wk? kvlvi gvwbjûvwis cöwz iva cwicvjb (cö hvr ÿ Î) Kg KZv i bvghy³ mxjmn ^vÿi I ZvwiL cöwzôv bi cöavb gvwbjûvwis cöwz iva cwicvjb Kg KZ vi bvghy³ mxjmn ^vÿi I ZvwiL