Plan ev evqb cöm ½ *

Transcription

1 Annexure A AÎ e vsk KZ K gvwb jûvwis cöwz iva wel q RvixK Z ez gv b cöpwjz mvkz jvimg~n t µt mvkz jvi b ^i ZvwiL welq bs 1 wb ` k weáwß bs gvwb jûvwis cöwz iva AvBb,2002 Gi weavbmg~n cwicvj b Abymibxq wb ` kbvejx myôzfv e cwicvjb cöm ½ * 2 wb ` k weáwß bs gvwb jûvwis cöwz iva AvBb,2002 Gi cwicvjb cöm ½ ( K `ªxq cwicvjb BDwbU I kvlvi cwicvjb Kg KZ v wb qvm cö`vb) 3 wb ` k weáwß bs MÖvnK cwiwpwzi mwvk Z_ vw` m ú K wbwðz niqv cöm ½ 4 wb ` k weáwß bs MÖvnK cwiwpwzi h_v_ Zv m ú K e vs Ki `vq-`vwqz cöm ½ 5 wb ` k weáwß bs kvlv ch v q gvwb jûvwis cöwz iva Kvh µg Rvi`viKiY cöm ½ 6 wb ` k weáwß bs e vsk mg~ ni mkj wnmv ei Transaction Profile msi bi AMÖMwZ Ges Internal Control Mechanism m úwk Z welq AewnZ niqv Ges GZ`wel q cö`ë civgk ev evqb cöm ½ 7 wb ` k weáwß bs GwcÖj 2002 Zvwi Li c~ e Lvjv wnmvemg~ ni KYC Procedures m úbœkiy cöm ½ * 8 wb ` k weáwß bs bm` jb `b wi cvu (CTR) `vwljkiy cöm ½ * 9 wb ` k weáwß bs bm` jb `b wi cvu (CTR) `vwljkiy cöm ½ * 10 wb ` k weáwß bs bm` jb `b wi cvu (CTR) `vwljkiy cöm ½ * 11 wb ` k weáwß bs Politically Exposed Persons wnmve Lvjv cöm ½ * 12 wb ` k weáwß bs 38/ Self Assessment * 13 wb ` k weáwß bs 79/ gvwb jûvwis cöwz iva Aa v `k,2008 Ges mš vm we ivax Aa v `k, 2008 Gi weavbvejx cwicvj b AbymiYxq wb ` kvejx * 14 wb ` k weáwß bs 100/ mš vm we ivax Aa v `k, 2008 cl ` K AewnZKiY Ges G Aa v ` ki 16(2) aviv gvzv ek AÎ e vs Ki Kg KZ v `i `vwqz cöm ½ 15 wb ` k weáwß bs 103/ Policy for combating financing of terrorism.* 16 wb ` k weáwß bs 123/ gvwbjûvwis cöwz iva AvBb, 2009 * 17 wb ` k weáwß bs 124/ mš vm we ivax AvBb, 2009 * 18 wb ` k weáwß bs 164/ B-Kgvm Kvh µg cöm ½ 19 wb ` k weáwß bs 183/ GwcÖj 2002 Zvwi Li c~ e Lvjv wnmvemg~ ni KYC Procedures m úbœkiy cöm ½ * 20 wb ` k weáwß bs 191/ gvwbjûvwis cöwz iva AvBb, 2009 Ges mš vm we ivax AvBb,2009 Gi weavbvejx cwicvj b AbymiYxq wb ` kvejx * 21 wb ` k weáwß bs 196/ m `nrbk jb `b wi cvu KiY cöm ½ * 22 wb ` k weáwß bs 220/ B j±ªwbk wgwwqvi AbyK~ j câvk nvrvi gvwk b Wjvi ev Z`y Aš g~ Lx h Kvb iwgu vý A_ev A ^vfvwek jb `b cöm ½ 23 wb ` k weáwß bs 245/ gvwb jûvwis cöwz iva cwicvjb Kg KZ v `i (BAMLCO) KvR Z`viwK cöm ½ * 24 wb ` k weáwß bs 247/ gvwb jûvwis cöwz iva AvBb,2009 G bzzb wi cvu cö`vbkvix ms v I m ú ³ Aciva ms hvrb cöm ½* 25 wb ` k weáwß bs 259/ Gw U gvwb jûvwis mkkb Gi Kvh µg IfvimxR e vswks wwcvu g U _ K Rbv ij e vswks wwcvu g U Gi AvIZvf~³KiY cöm ½ * 26 wb ` k weáwß bs 260/ gvwb jûvwis Ges mš v m A_ vqb cöwz iva m úwk Z Action Plan ev evqb cöm ½ * 27 wb ` k weáwß bs 285/ RbZv e vsk wjt Gi I qemvbu _ K WvDb jvwk Z GKvD U I cwbs dg (KYC,TP Ges Specimen Signature Card mn) cöpjb cöm ½ * 28 wb ` k weáwß bs 286/ B-Kgvm Kvh µg cöm ½ * i Z c~y I

2 SUSPICIOUS TRANSACTION REPORT (STR) (For Banks and Non Bank financial Institutions) 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 Annexure B 3. Nature of the account (Current/savings/loan/other,pls. specify) 4. Nature of ownership (Individual/proprietorship/partnership/company/other,pls. specify) 5. Date of opening 6. Address D. Account holder Details : 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. TIN Name of the account holder 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. TIN E. Introducer Details : 1. Name of introducer 2. Account number II

3 3. Relation with account holder 4. Address 5. Date of opening 6. Whether introducer is maintaining good relation with bank F. Reason for considering the transaction (s) as unusual/suspicious a. Identity of Clients (Mention summery of suspicion and consequence of b. Activity in account events) { To be filled by the BAMLCO} 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. Bribery/Gratuity h. Counterfeit debit/credit card o. Mortgage Loan Fraud b. Check Fraud i. Counterfeit instrument p. Mysterious Disappearance c. Check Kitting j. Credit card fraud q. Misuse of Position or Self Dealing d. Commercial loan fraud k. Debit card fraud r. Structuring e. Computer Intrusion l. Defalcation/Embezzlement s. Terrorist Financing f. Consumer loan fraud m. False statement t. Wire Transfer Fraud g. Counterfeit check n. Identity Theft u. Other... H. Transaction Details Sl. no Date Amount Type* * Cash/Transfer/Clearing/TT/etc. Add paper if necessary I. Counter Part`s Details 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 III

4 K. Has the bank taken any action in this context? If yes, give details. 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 Signature : (CAMLCO or authorized officer of CCU) Name : Designation : Phone : Date : IV

5 Annexure C RbZv e vsk wjwg UW...kvLv... kvlv KZ K ^wba viyx c wzi gva g wbr ^ Ae vb wby q MvB WÝ bvum Ab wcö fkb Ae gvwb jûvwis Gi 6.5 Aby Q` Abymv i cö Z KwU kvlv e vs Ki wbr ^ I RvZxq gvwb jûvwis cöwz iva bxwzgvjvi Av jv K wbæewy Z cökœgvjvi we vwiz DËi cö`v bi gva g ^wba viy c wz Z wb R `i Ae vb wby q Ki e t cökœgvjv kvlvi gš e 1.kvLvi gvu Kg KZ v/kg Pvixi msl v KZ (c`byhvqx)? kzkiv KZRb Kg KZ v/ Kg Pvix gvwb jûvwis cöwz iva welqk AvbyôvwbK cöwk Y MÖnY K i Qb? 2.kvLvi Kg KZ v/kg PvixMY e vs Ki gvwb welqwu hvpvb qi c wz Kx? jûvwis cöwz iva msµvš bxwz, c wz I cövmövg Ges RvZxq bxwzgvjvmn evsjv `k e vs Ki MvBWjvBÝ m ú K AewnZ Av Qb wk? 3.kvLv ch v q wbw` ó mg qi weiwz Z gvwb jûvwis cöwz iva welqk mfv AbywôZ nq wk bv? 4. e w³bvgxq,k c v iu I Ab vb wnmve ( hgb PjwZ, mâqx,gm.wu.ww. vqx AvgvbZ, we kl xg,fc,rfcd, NFCD) Lvjvi Î MÖvnK cwiwpwz m š vlrbkfv e MÖnY Kiv n Q wk bv? 5. SuywKi wfwë Z kvlv Zv `i MÖvnK `i kªyxweb vm/ kªyxkiy K i wk? GwcÖj, 2002 Gi c~ e Lvjv wnmvemg~ ni KYC procedures m úbœkiy cöwµqvq AMÖMwZ m š vlrbk wk bv? 7. kvlv wk MÖvn Ki KYC Profile wbw` ó mgq ci ci cybt g~j vqbc~e K nvjbvmv` K i _v K? n j KZ mgq ci ci AbywôZ nq? mfvi Av jvp m~px mk ji AeMwZi Rb e Ub Kiv nq wk bv? mfvq wk wk i Z c~y wm vš M nxz n q Q mfvq M nxz wm vš wkfv e cwicvwjz nq? Dnvi mwvkzv wkfv e hvpvb nq? wkfv e Zv kvlvq msi Y Kiv n Q? K i _vk j G ch š KZwU D P SuywK m úbœ wnmve kvlvq Lvjv n q Q? Gai bi wnmve Lvjv I cwipvjbvi Î kvlv Kx c` c MÖnY K i Q? G ch š kvlv KZ K KYC procedures m úbœkiy AMÖMwZi nvi KZ? Rvbyqvix 2010 Gi g a welqwu m úbœ Kivi Rb kvlv Kx D ` vm MÖnY K i Q? K i _vk j wkfv e Ges KZ mgq ci ci GB g~j vqb m úvw`z n q _v K? V

6 8. kvlv fvmgvb/pjš MÖvnK `i Î KYC cöwµqv AbymiY K i wk? 9. Online e vswks Gi Î evsjv `k e vs Ki wb ` kbv Abymv i Rgv`vbKvix I D ËvjbKvixi Z_ bqv nq wk? 10. kvlv wk SuywK wfwëk A_ev wba vwiz mxgvi Dc ii jb ` bi wfwë Z MÖvnK `i kªyx wefvrbc~e K Zv `i NvwlZ TP Gi mv _ MÖvn Ki jb `b gwbuwis K i _v K? 11.G hver kvlv KZ K KZ jv m `nrbk jb `b (STR) mbv³ Kiv n q Q? 12. MÖvnK KZ K cybt cybt bm` jb `b wi cvwu s mxgvi (CTR) bx P jb `b (Structuring) mbv³ Kivi Kvb c wz kvlv KZ K cöewz Z n q Q wkbv? 13. kvlv KZ K wbqwgz I mwvkfv e CTR K `ªxq cwicvjb BDwb U cöiy Kiv n Q wkbv? 14. GgGjwc AvBb, mvkz jvi, cöwk Y ikw, weeiyx I Ab vb GGgGj msµvš weqlvejxi Avjv`v bw_ kvlv KZ K msi Y Kiv nq wk bv? AvBb mvkz jvi BZ vw`i Kwc kvlvi mkj Kg KZ v/ Kg Pvix `i mieivn Kiv nq wkbv? 15. gvwb jûvwis cöwz iva mvkz jvi-14 Abymv i kvlvq PEPs Gi Kvb wnmve msi Y Kiv n Q wkbv? 16. cöavb Kvh vjq I evsjv `k e vs Ki cwi`k b cöwz e` b D j wlz gvwb jûvwis cöwz iva cwicvjb welqk `~e jzv/awbqgmg~n wbqwgz Kiv n q Q wkbv? 17. kvlv KZ K ˆe `wkk iwg UÝmn Ab vb BbIqvW I AvDUIqvW iwg UÝ gwbuwis Kiv nq wkbv? K i _vk j wkfv e Av jvp cöwµqvwu m úbœ K i _v K? n q _vk j Kx c wz Z kvlvq GB gwbuwis m úbœ nq? K i _vk j wk c wz Z bqv nq? kvlv KZ K STR mbv³ Kivi Rb Kx ai bi c wzi cöez b Kiv n q Q? n q _vk j wkfv e Structuring mbv³ Kiv nq? n q _vk j cöwiz Z _ i mwvkzv wkfv e hvpvb Kiv n Q? n q _vk j nu v A_ev bv n q _vk j bv wjlyb DËi nü v n j GB wnmve Lvjv I cwipvjbvi Î Kx ai bi mzk Zv Aej ^b Kiv n Q? bv n q _vk j cöwzeükzvmg~n Kx Kx? n q _vk j wkfv e? kvlv gvwb jûvwis cöwz iva cwicvjb Kg KZ vi bvg, ^v i,zvwil I mxj kvlv e e vc Ki bvg, ^v i,zvwil I mxj VI

7 Af š ixy wbix v wefvm RbZv e vsk wjwg UW cöavb Kvh vjq XvKv kvlv cwi`k bi PKwj Annexure D ( e vs Ki Af š ixy wbix v wefvm MvB WÝ bvum Ab wcö fkb Ae gvwb jûvwis Gi 6.6 Aby Q` Gi wb ` kbv gvzv ek wb wjwlz cökœgvjvi h_vh_ DËi (WKz g U wfwëk) Abymv i vi cö`vbc~e K kvlvi gvwb jûvwis cöwz iva Kvh µg K g~j vqb Ki e Af š ixy wbix v wefvm KZ K kvlvi Dci cöyxz evwl K wbix v wi cv U gvwb jûvwis cöwz iva Kvh µg g~j vqb msµvš Avjv`v Aa v q (Separate Chapter) mgy`q welqvw` mycvwikmn mwbœ ewkz Ki e hvpvb qi gvb`û Abymv i m ú~y i c cwicvwjz n j m ú~y vi, AvswkK cwicvj b AvswkK vi Ges DËi bwzevpk n j ïy vi cö`vb Ki b ) µ AÂj/Gwiqv cökœgvjv hvpvb qi gvb`û vi cövß bs 1. kvlv cwicvjb BDwbU 2. gvwb jûvwis cöwz iva wel q Kg KZ v/ Kg Pvix `i Ávb 1. kvlvq GKRb AwfÁ I R ô cwicvjb Kg KZ v (BAMLCO) i q Qb wk? 2. wemz `yb eq i wzwb gvwb jûvwis cöwz iva welqk Kvb cöwk Y AskMÖnY K i Qb wk? gvwb jûvwis cöwz iva AvBb, mvkz jvi Ges MvB WÝ bvum m ú K wzwb h _ó cwigvb AewnZ wk? 3. kvlvi gvwb jûvwis cöwz iva Kvh µg h_vwbq g cwicvwjz n Q- G welqwu wbwðz niqvi j BAMLCO wbw` ó I MÖnY hvm mgq ci ci Ges Kvh Ki cöwµqvq gwbuwis I ch v jvpbv K i _v Kb wk? 4. BAMLCO KZ K kvlvq cwipvwjz D P SuywKhy³ mkj wnmv ei jb `b gwbuwis ch vß wk? 5. gvwb jûvwis cöwz iva mvkz jvi-14 Abymv i kvlvq PEPs Gi Kvb wnmve msi Y Kiv n Q wkbv? 1. kvlvq KqRb Kg KZ v/ Kg Pvix gvwb jûvwis cöwz iva welqk AvbyôvwbK cöwk Y MÖnY K i Qb? 2. kvlv Kg KZ v/ Kg PvixMY e vs Ki gvwb jûvwis cöwz iva msµvš bxwz, c wz I cövmövg Ges RvZxq bxwzgvjvmn evsjv `k e vs Ki MvBWjvBÝ m ú K AewnZ Av Qb wk? 3. kvlvi gvwb jûvwis Kvh µg g~j vq bi Rb GKwU wbw` ó mgq Aš i Aš i kvlv e e vc Ki bz Z Kg KZ v/ Kg PvixM Yi mfv Av qvwrz nq wkbv? Awdm AW vi `Lyb kvlvi e e 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 DwPZ mv vrzvi I bw_c Îi wfwë Z hvpvb Ki b BAMLCO KZ K gwbuwis I ch v jvpbv cöwµqv hvpvb I Gi h_v_ Zv cix vc~e K g~j vqb Ki b BAMLCO KZ K D P SuywKhy³ wnmvemn mkj wnmv ei jb `b gwbuwis c wz hvpvb I Gi h_v_ Zv cix vc~e K g~j vqb Ki b GB ai bi wnmve Lvjv I cwipvjbvi Î GGgGj mvkz jvi-14 Abymv i mzk Zv Aej ^b Kiv n Q wk bv Zv hvpvb Ki b 100% Kg KZ vi cöwk Y m úbœ n j Zv m š vlrbk e j we ewpz n e ikw cix v Ki b kvlvi Aš Zt 20% Kg KZ vi mv vrkv ii wfwë Z g~j vqb Ki b mfvi Av jvp m~px msmön I Gi Kvh KixZv cix v Ki b vi VII

8 µ bs AÂj/Gwiqv cökœgvjv hvpvb qi gvb`û vi cövß vi 3. MÖvnK cwiwpwz wnmveavik `i KYC (KYC) c wz 1. e w³bvgxq, K c v iu I Ab vb cö Z K ai bi 2/3wU wnmv ei bgybv 4 wnmve Lvjvi Î MÖvnK cix v Ki b G Î gvwb jûvwis cwiwpwz m š vlrbkfv e MÖnY cöwz iva mvkz jvi I MvB WÝ bvum Kiv n q Q wk bv Ges Dnvi Gi Gi wb ` kbv cwicvwjz mwvkzv hvpvb I h_vh_fv e n q Q wkbv hvpvb Ki b ikw Kiv n q Q wkbv? 4. jb ` bi AbywgZgvÎv(TP) MÖnY I gwbuwis 5. m `nrbk jb `b wi cvu (STR) I bm` jb `b wi cvu (CTR) 2. SzuwKi wfwë Z kvlv Zv `i MÖvnK `i kªyxweb vm/ kªyxkiy K i wk? 3. D P SuywKwewkó MÖvnK `i Î cö qvrbxq AwZwi³ Z_ msmön Kiv nq wk? GwcÖj, 2002 Gi c~ e Lvjv wnmvemg~ ni KYC procedures m úbœkiy cöwµqvi AMÖMwZi me kl Ae v Kgb? 5. kvlv wk MÖvn Ki KYC Profile wbw` ó mgq ci ci cybt g~j vqbc~e K nvjbvmv` K i _v K? fvmgvb MÖvnK `i KYC 1. kvlv fvmgvb/pjš MÖvnK `i (wwww,wuwu, AbjvBb Rgv BZ vw`) Î KYC cöwµqv AbymiY K i wk? 1. kvlv wk MÖvnK `i cök Z jb `b Zv `i NvwlZ TP Gi mv _ gwbuwis K i _v K? 2. kvlv wk ˆe `wkk iwg UÝmn Ab vb BbIqvW I AvDUIqvW iwg UÝ gwbuwis K i _v K? 3. kvlv wk wbw` ó mgq ci ci TP ch v jvpbv I nvjbvmv` K i? 1. kvlvi mkj Kg KZ v/ Kg Pvix m `nrbk jb `b wi cvw Us (STR) c wz m ú K AewnZ Av Qb wk? 2. G hver KZ jv m `nrbk jb `b (STR) BAMLCO/ CCU Gi wbku wi cvu Kiv n q Q? 3. kvlv KZ K h_vh_ I mwvki c bm` jb `b wi cvu (CTR) Kiv nq wkbv? kªyxweb vm/ kªyxkiy c wz GGgGj mvkz jv i ewy Z wb ` kbvi mv _ msmwzc~y wkbv Zv cix v Ki b wk ai bi Z_ msmön Kiv nq Ges Zv h _ó wkbv cix v Ki b gvwb jûvwis cöwz iva mvkz jvi-06 Abymv i Zv 31 Rvbyqvix,2010 m úbœ n e wkbv Ges kvlvi AMÖMwZi wfwë Z g~j vqb Ki b KYC Profile cybtg~j vqb I nvjbvmv` c wz g~j vq bi wfwë Z g~j vqb Ki b Abym Z cöwµqv GZ`msµvš gvwb jûvwis cöwz iva mvkz jvi/mvkz jvi juv ii mv _ msmwzc~y Ges SuywK n«v m mnvqk wkbv Zv we epbvc~e K g~j vqb Ki b b~ bzg 10wU wnmv ei gwbuwis c wzi bgybv cix v Ki b Ges Gi Kvh KvixZv hvpvb Ki b 10wU G ai bi Km I wecyj cwigvb jb ` bi RFCD A/C, NFCD A/C cix v Ki b TP ch v jvpbv I nvjbvmv` Kiv n q Q Ggb 10wU bgybv cix v I Gi Kvh KixZv hvpvb Ki b MvB WÝ bvum Gi P vþvi VIII Gi m ú K kvlvi Kg KZ v `i aviyv cix v Ki b bw_ cix v Ki b BAMLCO/ CCU Gi wbku Kvb STR bv Ki j Zv Am š vlrbk we ewpz n e kvlvq STR mbv³ki bi Rb Kvb c wzi cöez b Kiv n q Q wkbv Zv hvpvb Ki b GZ`msµvš bw_ cix v Ki b Kgc GK gv mi K vk iwróvi/ weeiyx cix v Ki b Ges Gi wfwë Z H gv m `vwljk Z CTR wi cvu cix vc~e K CTR wi cvu Gi mwvkzvi wel q g~j vjq Ki b VIII

9 µ bs AÂj/Gwiqv cökœgvjv hvpvb qi gvb`û vi cövß vi 4. MÖvnK KZ K cybt cybt wi cvwu s mxgvi bx P jb `b (Structuring) mbv³ Kivi Kvb c wz kvlv KZ K cöewz Z n q Q wkbv? GZ`msµvš kvlvi c` c cix vc~e K g~j vqb Ki b 4 6. CCU eivei weeiyx `vwlj 7. ikw msi Y 8. AML m úwk Z kvlvi mvwe K Kvh µg 1. kvlv KZ K KZwU weeiyx CCU eivei `vwlj Kiv nq? kvlv wk h_vmg q weeiyx `vwlj K i? 2. bgybv wfwë Z K qk mu weeiyx hvpvb K i `Lv n e h G weeiyx Z Aš f~ ³ Z_ vw` mwvk I cwic~y wkbv? 1. gvwb jûvwis cöwz iva AvBb,2002 Gi 19 (1)(K), wbqš YKvix KZ c Ges e vs Ki wbr ^ bxwzgvjv Abyhvqx MÖvnK cwiwpwz (KYC) Ges jb `b m úwk Z ikw h_vh_fv e msi Yi weavb Av Q wk? 2. wbqš YKvix KZ c ev CCU Gi Pvwn`v gvzv ek ikw mg~n mieivn Kiv nq wk? 1. kvlv e e vck BAMLCO bv n j kvlv e e vck AML cövmövg ev evq b h_vh_ f~wgkv cvjb K i wk? 2. c~e ezx Af š ixb I ewnt wbix v cöwz e`b cix vkv j AML cövmöv gi AvIZvq Kvb Awbqg I `ye jzvi D j L cviqv M Q wk bv Ges kvlv Kvb ms kvabg~jk e e v MÖnY K i Q wkbv? 3. kvlvi mvwe K Kvh µg m š vlrbk wk? GZ`msµvš bw_ cix v Ki b wej ^ A_ev weeiyx `vwlj bv Ki j Zv Am š vlrbk we ewpz n e GZ`msµvš bw_ cix v Ki b Z_ vw` mwvk I cwic~y bv n j Zv Am š vlrbk we ewpz n e 5wU eü wnmve cix v Ki b G Î gvwb jûvwis cöwz iva AvBb,2002 Gi 19 (1)(K) Gi weavb h_vh_fv e AbymiY Kiv n q Q wkbv hvpvb Ki b GZ`&msµvš bw_ cix v Ki b h_vmg q I h_vh_ Z_ mieivn bv Ki j Zv Am š vlrbk we ewpz n e kvlvq Av qvwrz mfvi Av jvp m~px I kvlv e e vc Ki mv _ mv vrkv ii wfwë Z g~j vqb Ki b me kl wbix v msµvš wi cvu cix v Ki b Ges wk ai bi ms kvabg~jk e e v biqv n q Q hvpvb Ki b kvlvi gvwb jûvwis cöwz iva msµvš 2 mvwe K Kvh µg Gi wfwë Z g~j vqb Ki b gvu kvlvi mvwe K g~j vqb t vi iwus Lye fvj fvj m š vlrbk cövwš K 40 I Gi bx P Am š vlrbk IX

10 Annexure E RbZv e vsk wjwg UW Rbv ij e vswks wwcvu g U Gw U gvwb jûvwis mkkb cöavb Kvh vjq XvKv gvwb jûvwis Ges mš v m A_ vqb cöwz iva m úwk Z Action Plan welq KiYxq ev evqbkvix ev evq bi Account Opening 1 SB, CD, STD, FDR mn mkj cökvi wnmve Lvjvi mgq e w³ wnmv ei Î ww cvt 902 Ges Ae w³ ev cövwzôvwbk wnmve Lvjvi mgq ww cvt 903 Avewk Kfv e e envi Ki Z n e 2 wnmve Lvjvi mgq mswk ó e w³ ev cöwzôv bi cwipq m ú K wbwðz n Z n e 3 wnmv ei cwipq`vbkvix-gi cwiwpwz mswk ó wnmve Lvjvi KvMRcÎ ` L mwvkfv e hvpvb Ki Z n e wnmv ei cwipq`vbkvix Aek B kvlvi GKRb wbf i hvm MÖvnK n Z n e 4 Kvb wnmve Lvjvi mgq mswk ó MÖvnK/MÖvnKMY Dcw Z bv _vk j m MÖvnK/MÖvnKMY Gi wnmve Lvjv hv e bv 5 wnmve Lvjvi mgq MÖvnK/MÖvnKMY Gi ckvi ^c cö qvrbxq KvMRcÎ msmön Ki Z n e hgb- ckv e emv n j UªW jvb mý msmön Ki Z n e 6 MÖvnK ev cöwzôv bi cwiwpwzi cögvy wn m e wnmve Lvjvi Av e`bc Î D j wlz cö qvrbxq mkj KvMRcÎ (RvZxq cwipqcî/ cvm cvu / WªvBwfs ev Ab vb jvb m Ýi Kwc BZ vw`) Avewk Kfv e msmön Ki Z n e 7 mkj Î MÖvnK I bwgwbi Qwe h_vh_fv e mz vqbc~e K msmön Ki Z n e 8 msl v ev mvs KwZK bv g Kvb wnmve Lvjv hv e bv 9 bwgwb Qvov Kvb e w³ wnmve Lvjv hv e bv ciezx wb ` kbv bv `qv ch š evsjv `k e vs Ki wb ` kbv Ges e vsk Kv úvbx AvBb-1991 Gi 103(1) aviv Abyhvqx Kvb wnmv e GKR bi ewk bwgwb bqv hv e bv 10 wnmve Lvjvi ci MÖvnK ev cöwzôv bi cö`ë wvkvbv hvpvb qi Rb iwróªvw WvK hv M Letter of Thanks cvvv Z n e D³ Letter of Thanks cövwßi ci MÖvnK D³ cî wb q kvlvq Avm j PK eb Bmy Ki Z n e Gi d j wvkvbv hvpvb Kiv mnr n e 11 GQvov wnmve Lvjv msµvš e vs Ki Ab vb mvkz jvi AcwiewZ Z _vk e 12 BwZc~ e Lvjv h mkj wnmv ei Î µwgk bs 1-11 G wy Z cöwµqv m úbœ Kiv nqwb ev AvswkKfv e m úbœ Kiv n q Q c iv³ wb ` kbv gvzv ek m mkj wnmv ei mkj cöwµqv _vh_fv e m úbœ Ki Z n e mkj kvlv mkj kvlv me kl mxgv Pjgvb 1 gvp, 2011 X

11 KYC I TP BAMLCO Circular I cîvw` 1 wnmve Lvjvi mgq KYC h_vh_fv e MÖnY Ki Z n e Ges KYC G D j wlz Risk Grading m úbœ Ki Z n e MÖvn Ki ckv, Av qi Drm,m ú` Ges jb `b Abyyhvqx Risk Grading h_vh_fv e m úbœ Ki Z n e 2 Risk Grading Abyyhvqx MÖvnK D PSuywK m úbœ n j m MÖvn Ki bvg I wnmve b ^i jrv i wpwýzkiy Ges c _K GKwU iwróªv i D³ MÖvn Ki Z_ vw` msi Y Ki Z n e 3 KYC Aek B wnmve Lvjvi Kg KZ v KZ K wbi c g~j vqbc~e K c~iy Ki Z n e 4 TP Z MÖvnK Zvi m ve jb `b m ú K h Nvlbv w` Qb mwu MÖvn Ki Av qi Drm/ ckvi mv _ mvgäm c~y wkbv Zv h_vh_fv e wbwðz Ki Z n e AmvgÄm c~y Kvb TP MÖnb Kiv hv e bv 5 mkj wnmv ei TP ms c jvj Kvwj Z jrv i wj L ivl Z n e 6 hšw³k Kvi b (MÖvn Ki ckv/avq cwiez b) mg q mg q TP Ges KYC nvjbvmv` Ki Z n e 7 30 GwcÖj 2002 Gi c~ e Lvjv h mkj wnmv ei KYC nvjbvmv`kiy AvswkK m úbœ Kiv n q Q Zv c~y v½fv e m úbœ Ki Z n e GQvov h mkj wnmv ei KYC nvjbvmv`kiy m úbœ Kiv hvqwb m mkj wnmve wb ` k weáwß bs 183/10 ZvwiLt08/03/2010 Abyhvqx AbwZwej ^ Dormant Ki Z n e Ges Zv Dormant Ledger G vbvš i Ki Z n e G mkj wnmve _ K MÖvnK A_ Rgv Ki Z ev D Ëvjb Ki Z Avm j ww cvt 902/903 G mshy³ Account Opening Form, TP, I KYC nvjbvmv`c~e K cö qvrbxq mkj KvMRcÎ Ges Qwe wb q Dormant Aegy³ Ki Z n e G cöwµqv m úbœ bv K i Kvb MÖvnK K Kvbfv eb Payment `qv hv e bv 8 h mkj wnmv e wbqwgz Ges eo As Ki jb `b nq A_P KYC nvjbvmv` Kiv nqwb m jv AMÖvwaKvi wfwë Z KYC nvjbvmv` m úbœ Ki Z n e 1 kvlv e e vck A_ev mnkvix e e vck (2q Kg KZ v)- K Branch Anti-Money Laundering Compliance Officer (BAMLCO) wnmv e `vwqz cvjb Ki Z n e 2 BAMLCO Gi Office Order kvlvq Avek Kxqfv e msi b Ki Z n e 3 GQvov BAMLCO msµvš wel q wb ` k weáwß bs 245/10 ZvwiLt19/10/2010 Gi wb ` kbvmg~n Abymib Ki Z n e 1 cöavb Kvh vjq _ K RvixK Z gvwb jûvwis cöwz iva welqk mkj mvkz jv ii Kwc c _K dvb j msi b Ki Z n e 2 cöavb Kvh vjq _ K RvixK Z gvwb jûvwis cöwz iva welqk mkj cîvw`i c _K c _K dvb j msi b Ki Z n e 3 kvlv e e vck KZ K wbr `vwq Z mkj mvkz jvi Ges cîvw`i wb ` kbv kvlvi mkj K Rvbv Z n e Ges mvkz jv i mk ji Aby ^v i wb q Zv msi b Ki Z n e mkj kvlv mkj kvlv mkj kvlv Pjgvb AbwZwej ^ Pjgvb Pjgvb XI

12 gvwmk mfv I Ab vb cöwk Y 1 kvlv e e vc Ki bz Z mkj Kg KZ v/kg Pvix `i wb q cöwzgv m b~ bzg GKwU gvwb jûvwis cöwz iva welqk c _K mfv Ki Z n e Ges c _K GKwU iwróªv i Kvh weeiyx h_vh_fv e wjwlz ivl Z n e 2 D³ mfvq gvwb jûvwis cöwz iva welqk mv cöwzk mvkz jvi A_ev G msµvš mgmvgwqk cwiez b wb q Av jvpbv Ki Z n e G Î kvlv e e vck Kg KZ v/kg Pvix `i cö Z K K G KKwU mvkz jvi AewnZ n q Avm Z ej eb Ges Kv K Kvb mvkz jvi Rvb Z ejv n q Q Zv iwróªv i wjwlz _vk e Ges ciezx mfvq hv K h mvkz jvi Rvb Z ejv n q Q mwu Zv K mfvq mk ji mvg b Dc vcb Ki Z n e G cöwµqvq ch vqµ g mkj K mkj mvkz jvi m ú K cöwkw Z Ki Z n e 1 me ee Kg KZ v/kg Pvix `i Rb gvwb jûvwis cöwz iva Ges mš v m A_ vqb cöwz iva welqk c _K cöwk Y cöwzeqi wbqwgzfv e Av qvrb Ki Z n e 2 BAMLCO Ges kvlv e e vck `i Rb I G ai bi cöwk Y Av qvrb Ki Z n e 3 GQvov cöwzeqi G msµvš Refresher`s Training Course wbqwgzfv e Av qvrb Ki Z n e 4 G cöwk Y Uªwbs BÝwUwUDU/ Uªwbs m Uvi QvovI wewfbœ wefvmxq/gwiqv/avâwjk Kvh vj q Outreach wfwë Z Av qvrb Ki Z n e 5 kvlv ch v q GZ`msµvš wbix v Kvh µ g m ú ³ Internal Auditor `i Rb c _K cöwk bi Av qvrb Ki Z n e 6 AÎ e vsk KZ K Av qvwrz GZ`msµvš wewfbœ cöwk Y Resource Person wn m e evsjv `k e vs Ki cöwzwbwai Dcw wz wbwðz Ki Z n e 6 kvlvi Kvb Kg KZ v/kg Pvix GGgGj msµvš cöwk Y MÖnY Ki j Zvi mvwu wd KU A_ev wiwjr AW vi Gi Kwc kvlvq Avewk Kfv e msi b Ki Z n e 7 GQvov wb gœv³ Q K mkj Kg KZ v/kg Pvix `i cöwk bi ikw kvlvq msi Y Ki Z n e t- mkj kvlv GGgGj mkkb, Rbv ij e vswks wwcvu g U( K `ªxq cwicvjb BDwbU) /RbZv e vsk Uªwbs BÝwUwUDU mkj kvlv Pjgvb Pjgvb Pjgvb µt bs bvg c`ex e vs K I kvlvq hvm`v bi ZvwiL Kvb W i `vwqz cövß AML Training c q Qb wk bv? c j K e AML Training wb q Qb? XII

13 welq KiYxq ev evqbkvix ev evq bi me kl mxgv STR 1 h mkj wnmv e eo As Ki jb `b nq cöwz mkj kvlv Pjgvb 15 w`b ci ci jrvi Gi mv _ Zv wgjv Z n e Ges jrvi G mswk ó wnmv ei TP ms c jvj Kvwj Z wj L ivl Z n e 2 cöwz 15 w`b ci ci D PS~uwK m úbœ wnmvemg~ ni TP Gi mv _ cök Z jb `b hvpvb Ki Z n e 3 G Î mvwc g Uvixmn jb `b mswk ó Ab vb iwróªvimg~ ni mv _I wbqwgz TP wgwj q `L Z n e 4 Kvb wnmv ei jb `b/mövn Ki AvPiY m `nrbk g b n j mswk ó Kg KZ v Zvr wykfv e Zv BAMLCO/kvLv e e vck K AewnZ Ki eb 5 mswk ó jb `b/mövn Ki AvPiY BAMLCO/kvLv e e vc Ki Kv Q m `nrbk cözxqgvb n j BAMLCO/kvLv e e vck KZ K Awej ^ Zv mivmwi cöavb Kvh vj q cöiy Ki Z n e CTR 1 evsjv `k e vs Ki wb ` kbv Abymv i 1(GK) Kvh w`e m Kvb wnmv e GK ev GKvwaK jb ` bi gva g 7.00 (mvz) j vwak UvKv bm` Rgv ev bm` D Ëvjb n j Zv CTR wnmv e wba vwiz d g wi cvu Ki Z n e GB wb ` kbvi e Z q NwU q Kvb wi cvu hvm CTR wi cvu bv Kiv gvwb jûvwis cöwz iva AvBb-2009 Abymv i kvwš hvm mkj kvlv Pjgvb Aciva ZvB wi cvu hvm mkj CTR Avewk Kfv e wi cvu Ki Z n e (wnmv e Rgv/AbjvB b Rgv/GwUGg/ gvevbj e vswks G Rgv/D Ëvjb c _Kfv e GKxf~Z Ki Z n e) 2 CTR-Gi wi cvwu s mxgv(7 j vwak) Gov Z Kvb cövnk B QvK Zfv e Structuring Gi Avkªq wb Qb wk bv m welqwu A/C Ledger/Cash Book ` L wbqwgz gwbui Ki Z n e Ab vb 1 kvlvq hz jv ÔD PS~uwKÕ m úbœ wnmve Av Q c _K iwróªv i Zv msi b Ki Z n e Ges BAMLCO/kvLv e e vck KZ K gv S gv S Zv gwbui Ki Z n e 2 wbtwet bs-191/10 ZvwiLt29/03/2010 Gi Aby Q`-4 Gi cö`ë wb ` kbv Abymv i kvlvq Politically Exposed Persons ( PEPs )Gi wnmve Lyj Z n e Ges c _K GKwU iwróªv i Zv msi b Ki Z n e mkj kvlv Pjgvb XIII

14 Annexure F iwr vw bs ww G - 1 gvwbjûvwis cöwz iva AvBb, 2009 evsjv `k ( g bvmövg) M RU AwZwi³ msl v KZ c KZ K cökvwkz ÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑ g½jevi, diªqvwi 24, evsjv `k RvZxq msm` XvKv, 24 k diªyqvwi,2009/12b dvêyb,1415 msm` KZ K M nxz wbgœwjwlz AvBbwU 24 k diªyqvwi,2009(12b dvêyb,1415) Zvwi L ivóªcwzi m wz jvf Kwiqv Q Ges GZØviv GB AvBbwU me mvavi bi AeMwZi Rb cökvk Kiv hvb Z Q t m bi 8 bs AvBb. gvwbjûvwis cöwz iva Aa v `k, 2008 iwnzµ g GZ`&msµvš GKwU AvBb cöyq bi D Ï k cöyxz AvBb h nzz wbgœewy Z D Ïk c~iyk í gvwbjûvwis cöwz iva Aa v `k, 2008 ( 2008 m bi 12 bs Aa v `k) iwnzµ g GZ`&msµvš GKwU AvBb cöyqb Kiv mgxpxb I cö qvrbxq ; m nzz GZ`&Øviv wbgœi c AvBb Kiv nbj t-- 1 msw ß wk ivbvg I cöez b t--- (1) GB AvBb gvwbjûvwis cöwz iva AvBb,2009 bv g AwfwnZ nb e (2) GB AvBb 2 ˆekvL, 1415 e½vã gvzv ek 15 GwcÖj, 2008 wlª vã ZvwiL nb Z Kvh Ki nbqv Q ewjqv MY nb e 2 msáv t--- welq ev cöms Mi cwicš x Kvb wkqy bv _vwk j, GB AvB b --- (K) ÓAvw_ K cöwzôvbó A_ Avw_ K cöwzôvb AvBb, 1993 (1993 m bi 27 bs AvBb) Gi aviv 2(L) G msávwqz Avw_ K cöwzôvb ; (L) ÓAv`vjZÓ A_ úkvj RR Gi Av`vjZ ; (M) Ó Z`š Kvix ms vó A_ `ybx wz `gb Kwgkb AvBb, 2004 (2004 m bi 5 bs AvBb) Gi Aaxb MwVZ `ybx wz `gb Kwgkb ; Ges Kwgk bi wbku nb Z Z`y Ï k gzvcövß Kvb Kg KZ vi Bnvi Aš f ~³ nb eb ; XIV

15 (N) Ó bm` UvKv Ó A _ Kvb ` ki h_vh_ gy`ªv wnmv e D³ `k KZ K ^xk Z Kvb avze gy`ªv, KvM Ri gy`ªv, Uªv fjvm PK, cv vj bvu, gvwb AW vi, PK, e vsk WªvdU, weqvivi eû, juvi Ae µwwu, wej Ae G PÄ ev cöwgrwi bvui Aš f ~³ nb e ; (O) Ówb úwëó A _ q hvm, `ª Z cpbkxj A_ev wbw` ó mg qi ci e envi A hvm m úwë weµq ev Ab Kvb AvB bi Aaxb aÿsm Kivi Dc hvmx m úwë aÿsmkiy ev AvBbm Zfv e cökvk wbjv gi gva g n vš ii Aš f ~³ nb e ; (P) Ó evsjv `k e vskó A_ Bangladesh Bank Order, 1972 (P.O. No. 127 of 1972) Gi Aaxb vwcz Bangladesh Bank ; (Q) Óexgv Kv úvbxó A_ Insurance Act (Act No IV of 1938)Gi section 2 (8) G msávwqz insurance company ; (R) Ó e `wkk gy`ªvó A_ Foreign Exchange Regulation Act, 1947 (Act No VII of 1947) Gi section 2 (d ) Z msávwqz foreign exchange ; (S) Óe vskó A_ e vsk Kv úvbx AvBb, 1991 (1991 m bi 14 bs AvBb) Gi aviv 5 (Y) G msávwqz e vsk Kv úvbx ; (T) Ógvwb PÄviÓ A_ Foreign Exchange Regulation Act, 1947 (Act No VII of 1947) Gi section 3 Gi Aaxb evsjv `k e vsk KZ K Aby gvw`z ˆe `wkk gy`ªv jb `bkvix e w³ ev cöwzôvb ; (U) Ó gvwbjûvwisó A_ -- (A) m ú ³ Aciva (Predicate offence) msnu bi gva g cövß A_ ev m úwëi A ea Drm Mvcb ev Avovj Kwievi D Ï k Dnvi n vš i, i cvš i, we ` k cöiy ev we `k nb Z evsjv ` k cöiy ev Avbqb Kiv ev ˆea I A ea Dcv q AwR Z A_ ev m úwë we ` k cvpvi ; (Av) Kvb Avw_ K jb `b GBi cfv e m úbœ Kiv ev m úbœ Kwievi Pôv Kiv hvnv Z GB Aa v ` ki Aaxb Dnv wi cv U Kwievi cö qvrb nb e bv; (B) GBi c Kvb Kvh Kiv hvnvi Øviv D³i c A_ ev m úwëi A ea Drm Mvcb ev Avovj Kiv nq ev GBi c Kvh m úv` bi Póv Kiv ev Abyi c Kvh m úv` b ^Áv b mnvqzv ev lohš Kiv (V) Ó wi cv U cö`vbkvix ms vó A_ -- (A) e vsk; (Av) Avw_ K cöwzôvb; (B) exgv Kv úvbx; (C&) gvwb PÄvi; (D) A_ cªiykvix ev A_ vbvš ikvix Kvb Kv úvbx ev cöwzôvb; XV

16 (E) evsjv `k e vs Ki AbygwZµ g e emv cwipvjbvkvix Ab Kvb cöwzôvb; ev (&F) mikv ii Aby gv`bµ g evsjv `k e vsk KZ K, mg q mg q, weáwß Rvixi gva g NvwlZ Ab Kvb cöwzôvb (W) Ó nvb KvU wefvmó A_ evsjv `k mycöxg Kv Ui nvb KvU wefvm; (X) Ó m `nrbk jb `b Ó A_ GBi c jb `b-- (A) hvnv ^vfvwek jb ` bi aib nb Z wfbœ; (Av) hvnvi m ú K GBi c wek vm Kwievi hyw³msmz KviY _v K h Bnvi mwnz Kvb Aciva nb Z AwR Z m úwëi mswk ózv iwnqv Q; (Y) Óm úwëó A_ -- (A) h Kvb cök wzi, ` k gvb, A` k gvb, vei ev A vei, m úwë; ev (Av) bm` UvKv,B juªwbk ev wwwruvjmn Ab h Kvb cök wzi `wjj ev BÝUªy g U hvnv Kvb m úwëi gvwjkvbv ^Z ev gvwjkvbv ^ Z Kvb ^v_ wb ` k K i (Z)Ó úkvj RRÓ A_ Criminal Law Amendment Act,1958 ( Act No,XL of 1958)Gi section 3 Gi Aaxb wbhy³ Special Judge; (_)Óm ú ³ Aciva (Predicate offence)ó A_ wbgœewy Z GBi c Aciva, hvnv msnu bi gva g, AwR Z Kvb A_ ev m ú` jûvwis Kiv ev Kwievi Póv Kiv nq, h_vt-- (1) `ybx wz I Nyl ; (2) gỳ ªv RvjKiY ; (3) `wjj m v er RvjKiY ; (4) Puv`vevwR ; (5) cözviyv ; (6) RvwjqvwZ ; (7) A ea A i e emv; (8) A ea gv`k I bkv RvZxq `ª e i e emv; (9) PvivB I Ab vb `ª e i A ea e emv; (10) AcniY,A eafv e AvUKvBqv ivlv I cye `x Kiv; (11) Lyb,gvivZ K kvixwik wz ; (12) bvix I wkï cvpvi ; (13) PvivKvievi Ges `kx I we `kx gy`ªv cvpvi ; (14) Pzwi ev `my Zv ev WvKvwZ; (15) Av`g cvpvi I A ea Awfevmb; (16) hšzzk Ges (17) GB AvB bi D Ïk cyibk í evsjv `k e vsk KZ K mikv ii Aby gv`bµ g M R U cöávc bi gva g NvwlZ Ab h Kvb m ú ³ Aciva 3 AvB bi cövavb t- AvcvZZt ejer Ab Kvb AvB b hvnv wkqyb _vkzk bv Kb GB AvB bi weavbvejx Kvh Ki _vwk e 4 gvwbjûvwis Aciva I kvw t-- (1) GB AvB bi D Ïk cyibk í gvwbjûvwis nb e GKwU Aciva XVI

17 (2) Kvb e w³ gvwbjûvwis Aciva Kwi j ev gvwbjûvwis Aciva msnu bi Póv, mnvqzv, ev lohš Kwi j wzwb Aby b 6 (Qq) gvm Ges AbwaK 7 (mvz) ermi Kviv` Û `wûz nb eb Ges Bnvi AwZwiw³ h Aciv ai Rb wzwb `vlx mve nbqv Qb mb Aciv ai mwnz m ú ³ m úwë iv óªi AbyK j ev Rqvß nb e 5 Aei KiY ev µvk Av `k jsn bi kvw t-- Kvb e w³ GB AvB bi Aaxb Kvb Aei KiY ev µvk Av `k jsnb Kwi j wzwb AbwaK 1 (GK) ermi Kviv`Û ev AbyaŸ 5 (cuvp) nvrvi UvKv A_ ` Û ev Dfq ` Û `wûz nb eb 6 Z_ duvmki Yi kvw t- (1) Kvb e w³ GB AvB bi Aaxb Kvb Z`š Kvh µg e nzkiy ev Dnv Z Kvb wei c cöfve we v ii D Ï k Z`š m úwk Z Kvb Z_ ev cövmswmk Ab Kvb Z_ Kvb e w³, ms v ev msev` gva g duvm Kwi eb bv (2) GB AvB bi Aaxb gzvcövß Kvb e w³, cöwzôvb ev G R U KZ K PvKzixiZ ev wb qvmiz _vkv Ae vq wksev wb qvmrwbz Pzw³ Aemvq bi ci ZrKZ K msm nxz,cövß, AvnwiZ, ÁvZ Kvb Z_ GB AvB bi D Ïk cyiyk í e ZxZ Ab Kvb D Ï k e envi, cökvk I dvum Kiv nb Z weiz _vwk eb (3) Kvb e w³ Dc-aviv (1)I (2) Gi weavb jsnb Kwi j wzwb AbwaK 2(`yB) ermi Kviv`Û ev AbyaŸ 10(`k) nvrvi UvKv A_ `Û ev Dfq ` Û `wûz nb eb 7 Z` š evav ev Amn hvwmzv,cöwz e`b cöi Y e _ Zv ev Z_ mieiv n evav `Iqvi kvw t--- (1) Kvb e w³ GB AvB bi Aaxb--- (K) Kvb Z`š Kvh µ g Z`š Kvix Kg KZ v K evav cö`vb Kwi j ev mn hvmxzv cö`v b A ^xk wz Ávcb Kwi j; ev (L) hyw³msmz KviY e wz i K hvwpz Kvb cöwz e`b cöi Y ev Z_ mieiv n A ^xk wz Ávcb Kwi j; wzwb GB AvB bi Aaxb Aciva Kwiqv Qb ewjqv MY nb eb (2) Kvb e w³ Dc-aviv (1) Gi Aaxb Aciv a `vlx mve nb j wzwb AbwaK 1(GK ) ermi Kviv`Û ev AbwaK 5(cvuP) nvrvi UvKv A_ `Û ev Dfq ` Û `wûz nb eb 8 wg_ v Z_ cö`v bi kvw t---(1) Kvb e w³ ÁvZmv i A _ i Drm ev wnmv e avi Ki cwiwpwz m ú K ev Kvb wnmv ei myweav fvmx ev bwgwb m ú K Kvbi c wg_ v Z_ cö`vb Kwi eb bv (2) Kvb e w³ Dc-aviv (1) Gi weavb jsnb Kwi j wzwb AbwaK 1(GK ) ermi Kviv`Û ev Aby aÿ 50(cÂvk ) nvrvi UvKv A_ `Û ev Dfq ` Û `wûz nb eb 9 Aciv ai Z`š I wepvi t--- (1) GB AvB bi Aaxb Acivamgyn `ybx wz `gb Kwgkb AvBb,2004 (2004 m bi 5 bs AvBb) Gi Aaxb Zdwmjfy³ Aciva M Y `ybx wz `gb Kwgkb ev Kwgkb nb Z Z`y Ï k gzvcövß Kvb Kg KZ v KZ K Z`š hvm nb e XVII

18 (2) GB AvB bi Aaxb Acivamgyn Criminal Law Amendment Act, 1958 (Act XL of 1958) Gi section 3 Gi Aaxb wbhy³ úkvj RR KZ K wepvh nb e (3) GB AvB bi Aaxb Acivamg~ ni Z`š, wepvi I mswk ó Ab vb wel q GB AvB bi weavbvejxi mwnz we iv ai Î, `ybx wz `gb Kwgkb AvBb, 2004 Ges Criminal Law Amendment Act, 1958 Gi weavbvejx cövavb cvb e 10 úkvj RR Gi we kl GLwZqvi t-- (1) úkvj RR GB AvB bi Aaxb Aciv ai Rb wba vwiz `Û Av ivc Ges ÎgZ, AwaKZi Z`š, m úwë Aei ØKiY, µvk,ev RqvßKiY Av `kmn Avek K Ab h Kvb Av `k cö`vb Kwi Z cvwi eb (2) úkvj RR GB AvB bi Aaxb `v qik Z Kvb gvgjvq AwaKZi Z` š i Av `k cö`vb Kwi j D³i c Av ` k Z`š Kvix Kg KZ v K Z`š cöwz e`b `vwl ji Rb GKwU mgqmxgv wbw` ó Kwiqv w` eb, hvnv 6 (Qq) gv mi AwaK nb e bv 11 Aciv ai Avgj hvm Zv, AÑAv cvl hvm Zv I A-Rvwgb hvm Zv t-- GB AvB bi Aaxb Acivamg~n Avgj hvm (cognizable) I A-Av cvl hvm (non-compoundable) Ges A-Rvwgb hvm (nonbailable) nb e 12 `ybxwz `gb Kwgk bi Aby gv` bi Acwinvh Zv t-- (1) dšr`vwi Kvh wewa ev AvcvZZt ejer Ab Kvb AvB b hvnv wkqyb _vkzk bv Kb `ybxwz `gb Kwgkb KZ K Kvb AvBb cö qvmkvix ms v K cö`ë Aby gv`b ev `ybxwz `gb Kwgk bi mivmwi Av e`b e wz i K Kvb Av`vjZ GB AvB bi Aaxb Kvb Aciva wepviv_ Avg j MÖnY (cognizance) Kwi eb bv (2) GB AvB bi Aaxb Kvb Aciv ai Z`š mgvß nbevi ci Z`š Kvix Kg KZ v Av`vj Z cöwz e`b `vwlj Kwievi c~ e Kwgk bi c~e vby gv`b MÖnY Kwi eb Ges Kwgkb KZ K cö`ë Aby gv`b c Îi GKwU Kwc cöwz e` bi mwnz Av`vj Z `vwlj Kwi eb 13 Rvwgb msµvš weavb t-- GB AvB bi Aaxb Awfhy³ Kvb e w³ K Rvwg b gyw³ `Iqv nb e bv, hw`-- (K) Zvnv K Rvwg b gyw³ `Iqvi Av e` bi Dci Awf hvmkvix c K ïbvbxi my hvm `Iqv bv nq ; Ges (L) Zvnvi wei AvbxZ Awf hv M wzwb `vlx mve niqvi hyw³m½z KviY iwnqv Q g g Av`vjZ mš ó nb; A_ev (M) wzwb bvix, wkï ev kvixwikfv e wekjv½ bv nb Ges Zvnv K Rvwg b gyw³ `Iqvi Kvi Y b vq wepvi wewnœz nb e bv g g Av`vjZ mš ó bv nb 14 m úwëi Aei KiY (Freezing) ev µvk (Attachment ) Av `k t-- (1) Z`š Kvix ms vi wjwlz Av e` bi wfwë Z Av`vjZ Awfhy³ e w³i ` k ev ` ki evwn i Aew Z m úwë, hvnv Z ` ki gvby li ^v_ iwnqv Q, GBi c Î Aei KiY ev µvk Av `k cö`vb Kwi Z cvwi e XVIII

19 (2) Dc-aviv (1) Gi Aaxb Z`š Kvix ms v Kvb m úw³i Aei KiY ev µvk Av ` ki Rb Av`vj Z wjwlz Av e`b `vwl ji mgq Dnv Z wbæewy Z Z_ vw` D j L Kwi e, h_v t- (K) Aei KiY ev µvk Av ` ki wbwgë m úwëi c~y weeiy ; (L) m úwëwu gvwbjûvwis Gi mwnz RwoZ _vwkevi mc hyw³ I cöv_wgk cögvyvw`; (M) `v qik Z gvgjvq mdjzv jv fi m vebv; (N) cöv_x Z Av e`b gvzv ek Av`vjZ KZ K Av `k cö`vb Kiv bv nb j gvgjv wb úwëi c~ e B m úwëwu Ab Î n vš i ev envz nbevi AvksKv (3) Dc-aviv (1) Gi Aaxb Kvb Aei KiY ev µvk Av `k cö`vb Kiv nb j Av`vjZ m úwëi c~y weeiymn welqwu me mvavi Yi AeMwZi Rb mikvix M R U Ges Aby b 1wU eûj cöpvwiz RvZxq ˆ`wbK cwîkvq weáwß AvKv i cöpvi Kwi e (4) GB avivi Aaxb Aei KiY ev µvk Av ` k Awfhy³ e w³i bvg,wczv-gvzvi bvg, ^vgx ev xi bvg, RvZxqZv, c`ex (hw` _v K), ckv, U v cwiwpwz b ^i (TIN ), ez gvb I vqx wvkvbv Ges Ab Kvb cwiwpwz, hz`~i m e, D j L _vwk e (5) Dc-aviv (6) Gi weavb mv c,gb avivi Aaxb Kvb e w³i m úwë Aei KiY ev µv Ki Rb Av`vjZ Av `k cö`vb Kwi j Av `k Kvh Ki _vkvkvjxb, Av`vjZ KZ K wfbœi c Kvb Av `k cö`vb Kiv bv nb j, D³ m úwë Kvbfv e ev cökv i Ab Î n vš i, D³ m úwë mswk ó Kvb cökvi jb `b ev D³ m úwë K Kvbfv e `vqhy³ Kiv hvb e bv (6) Kvb e w³i e vsk GKvD U Aei KiY Av `k Kvh Ki _vkv Ae vq D³ Av ` k wfbœi c D j L bv _vwk j, D³ e w³ cövc nbqv Q GBi c mgy`q A_ Zvnvi Aei e vsk GKvD U Rgv Kiv hvb e 15 Aei K Z ev µvkk Z m úwë diz cö`vb t-- (1) aviv 14 Gi Aaxb Av`vjZ Kvb m úwë Aei KiY ev µvk Av `k cö`vb Kwi j, Awfhy³ e w³ e ZxZ Ab Kvb e w³i D³ m úwë Z Kvb ^v_ _vwk j wzwb Dnv diz cvbevi Rb Aei KiY ev µvk Av ` ki weáwß 1wU eûj cöpvwiz RvZxq ˆ`wbK cwîkvq cöpv ii ZvwiL nb Z 30 (wîk) w` bi g a Av`vj Z Av e`b Kwi Z cvwi eb (2) Dc-aviv (1) Gi Aaxb Kvb e w³ Av`vj Z Av e`b Kwi j Av e`bc Î wbgœewy Z Z_ vw` D j L Kwi Z nb e, h_v t-- (K) gvwbjûvwis Gi mwnz D³ m úwëi Kvb mswk ózv bvb ; (L) Aei KiY ev µvkk Z m úwë Z Awfhy³ e w³i Kvb ^Z, ^v_ ev gvwjkvbv bvb; Ges (M) Aei KiY ev µvkk Z m úwë Z Av e`bkvixi ^Z, ^v_ I gvwjkvbv iwnqv Q (3) aviv 14 Gi Dc-aviv (5) G hvnv wkqyb _vkzk bv Kb, GB avivi Aaxb m úwë diz cvbevi Rb Av`vjZ Kvb Av e`bcövß nb j Av e`bkvix, Z`š Kvix ms v I Awfhy³ e w³ K ïbvbxi my hvm cö`vb Kwi eb Ges ïbvbx A š, cö qvrbxq KvMRvw` ch v jpbvµ g, Dc-aviv (1) Gi Aaxb `vwljk Z Av e`bkvixi Av e`b m ú K Av`vjZ mš ó nb j Aei KiY ev µvk Av `k evwzjµ g m úwëwu, Av ` k wba vwiz mg qi g a, Av e`bkvixi AbyK j n vš ii Av `k cö`vb Kwi eb XIX

20 16 m úwë Aei KiY ev µvk Av ` ki wei Avcxj t-- (1) GB AvB bi Aaxb Av`vjZ Kvb m úwëi Aei KiY ev µvk Av `k cö`vb Kwi j D³i c Av ` ki wei ms z e w³ 30 (wîk) w` bi g a nvb KvU wefv M Avcxj Kwi Z cvwi eb (2) Dc-aviv (1) Gi Aaxb Kvb Avcxj `v qi Kiv nb j Avcxj Av`vjZ c e ` K, ïbvbxi Rb hyw³m½z mgq w`qv, ïbvbx A š hbi c Dchy³ g b Kwi e mbi c Av `k cö`vb Kwi Z cvwi e (3) aviv 14 Gi Aaxb Kvb m úwëi wel q Av`vjZ KZ K cö`ë Aei KiY ev µvk Av ` ki wei Kvb ms z e w³ Avcxj Kwi j Ges Avcxj Av`vjZ KZ K wfbœi c Kvb Av `k cö`vb Kiv bv nb j, Avcxj wb úwë bv niqv ch š D³i c Aei KiY ev µvk Av `k Kvh Ki _vwk e 17 m úwëi ev RqvßKiY t-- (1) GB AvB bi Aaxb Kvb e w³ gvwbjûvwis Aciv a `vlx mve nb j Av`vjZ Aciv ai mwnz m ú ³ ` k ev ` ki evwn i Aew Z m úwë, hvnv Z ` ki gvby li ^v_ iwnqv Q GBi c Î m úwë ev Rqvß Kwievi Av `k cö`vb Kwi Z cvwi e (2) GB AvB bi Aaxb gvwbjûvwis Aciv ai Rb `vlx mve Kvb e w³ cjvzk _vwk j ev g Zz eiy Kwi j Av`vjZ D³ e w³i Aciv ai mwnz m ú ³ m úwëi ev Rqvß Kwievi Av `k cö`vb Kwi Z cvwi e e vl v t-- h_vh_ Kvh e e v MÖnY Kiv m Ë I MÖdZvix c ivqvbv Rvixi ZvwiL nb Z 6 (Qq) gv mi g a hw` Awfhy³ e w³ Av`vj Z AvZ mgc Y Kwi Z e _ nq ev D³ mg qi g a Zvnv K MÖdZvi Kiv bv hvq Zvnv nb j D³ e w³ GB avivi D Ïk c~iyk í cjvzk ewjqv MY nb eb (3) GB avivi Aaxb Av`vjZ KZ K Kvb m úwë ev Rqvß Kwievi Av `k cö`v bi c~ e wksev gvgjv ev Awf hvm `v qi Kwievi c~ e hw` Kvb e w³ mij wek v m Ges Dchy³ g~j cö`vb mv c ev Rqv ßi Rb Av e`bk Z m úwë µq Kwiqv _v Kb Ges Av`vjZ K wzwb GB g g mš ó Kwi Z m g nb h, wzwb D³ m úwëwu gvwbjûvwis Gi mwnz m ú ³ ewjqv ÁvZ wq jb bv Ges wzwb mij wek v m m úwëwu µq KwiqvwQ jb, Zvnv nb j Av`vjZ D³ m úwë ev Rqvß Kwievi Av `k cö`vb bv Kwiqv Dnvi weµqj A_ ivóªxq KvlvMv i, Av`vjZ KZ K wba vwiz mgqmxgvi g a, Rgv `Iqvi Rb `vlx mve e w³ K wb ` k w` Z cvwi e (4) GB avivi Aaxb Kvb m úwë ev Rqvß Kiv nb j ev Rqvß Av ` ki bvwuk Av`vjZ KZ K h e w³i wbqš Y m úwëwu iwnqv Q mb e w³i me kl ÁvZ wvkvbvq iwr vw WvK hv M cvvvb Z nb e Ges m úwëi Zdwmjmn mkj weeiy D j Lµ g mikvix M R U Ges Ab~ b 2 (`yb) wu eûj cöpvwiz RvZxq ˆ`wbK cwîkvq weáwß cöpvi Kwi Z nb e (5) GB avivi Aaxb Av`vjZ Kvb m úwë ev Rqvß Kwievi Av `k cö`vb Kwi j D³ m úwëi gvwjkvbv iv óªi Dci b nb e Ges ev Rqvß Kwievi Zvwi L m úwëwu hvnvi wr vq ev gvwjkvbvq _vwk e wzwb, h_vkxnö m e, D³ m úwëi `Lj iv óªi eive i n vš i Kwi eb 18 ev RqvßK Z m úwë diz cö`vb t-- (1) aviv 17 Gi Aaxb Av`vjZ Kvb m úwë ev Rqvß Kwievi Av `k cö`vb Kwi j D³ m úwë Z `vlx e w³ e ZxZ Ab Kvb e w³i Kvb ^Z, ^v_ ev AwaKvi _vwk j wzwb Dnv diz cvbevi Rb ev RqvßKi Yi weáwß cwîkvq me kl cöpv ii ZvwiL nb Z 30 (wîk) w` bi g a Av`vj Z Av e`b Kwi Z cvwi eb XX

21 (2) Dc-aviv (1) Gi Aaxb Kvb Av e`bcövß nb j Av`vjZ gvgjv `v qikvix, `vlx e w³ Ges Av e`bkvix K, ïbvbxi Rb hyw³m½z mgq w`qv,ïbvbx A š wbgœewy Z welqmg~n we epbv Kwiqv cö qvrbxq Av `k cö`vb Kwi Z cvwi e, h_v t- (K) Aciva msnu bi mwnz Av e`bkvix ev ev RqvßK Z m úwëi Kvb ms k l wqj wk bv ; (L) ev Rqvß m úwë AR b Av e`bkvixi ˆea AwaKvi iwnqv Q wk bv; (M) Aciva msnu bi mgqkvj Ges ev RqvßK Z m úwë Av e`bkvixi gvwjkvbvq Avwmqv Q GBi c `vwek Z mgqkvj; Ges (N) Av`vj Zi wbku cövmw½k we ewpz Ab h Kvb Z_ 19 ev RqvßKiY Av ` ki wei Avcxj t-- (1) GB AvB bi Aaxb Av`vjZ Kvb m úwë ev Rqvß Kwievi Av `k cö`vb Kwi j D³i c Av ` ki wei ms z e w³ 30 (wîk) w` bi g a nvb KvU wefv M Avcxj Kwi Z cvwi eb (2) Dc-aviv (1) Gi Aaxb Kvb Avcxj `v qi Kiv nb j Avcxj Av`vjZ Dfq c K, ïbvbxi hyw³m½z mgq w`qv, ïbvbx A š hbi c Dchy³ g b Kwi e mbi c Av `k cö`vb Kwi Z cvwi e 20 ev RqvßK Z m úwëi wb úwëkiy cöwµqv t-- (1) GB AvB bi Aaxb Kvb m úwë ev Rqvß nb j, mikvi, hb m úwë Ab Kvb AvB bi Aaxb aÿsm Kwi Z nb e mb m úwë e ZxZ Ab vb m úwë, cökvk wbjv g ev evwywr Kfv e jvfrbk Ab Kvb AvBbm Z Dcv q weµq ev Ab Kvbfv e wb úwë Kwi Z cvwi e (2) Dc-aviv (1) Gi Aaxb m úwë weµq ev Ab Kvbfv e wb úwëi gva g cövß A_ ivóªxq KvlvMv i Rgv nb e 21 Aei K Z, µvkk Z ev ev RqvßK Z m úwë i Yv e Yi Rb e e vck ev ZË eavqk wb qvm t- GB AvB bi Aaxb Kvb m úwë Aei, µvk ev ev Rqvß Kiv nb j, Z`š Kvix ms v ev Dnvi wbku nb Z gzvcövß Kvb Kg KZ vi Av e` bi cöw Z D³i c m úwëi m úyb ev AvswkK wbq Y, e e vcbv, Z`viwK ev Ab Kvbfv e wb úwëi Rb, Av`vjZ, ^xq we epbvq, hbi c Dchy³ g b Kwi e mbi c k Z Kvb e w³ ev AvBbx më v K D³ m úwëi e e vck ev ZË veavqk wb qvm Kwi Z cvwi e 22 Avcxj t-- AvcvZZt ejer Ab Kvb AvB b hvnv wkqyb _vkzb bv Kb, Av`vjZ KZ K GB AvB bi Aaxb cö`ë Kvb Av `k, ivq, wwwµ ev Av ivwcz `Û Øviv ms z c, D³i c Av `k, ivq, wwwµ ev `Ûv `k cö`v bi ZvwiL nb Z 30 (wîk) w` bi g a nvb KvU wefv M Avcxj Kwi Z cvwi e 23 gvwbjûvwis Aciva `gb I cöwz iv a evsjv `k e vs Ki gzv I `vwqz t-- (1) gvwbjûvwis Aciva `gb I cöwz iva Ges D³i c Acivag~jK ZrciZv iva Kwievi D Ï k evsjv `k e vs Ki wbæi c gzv I `vwqz _vwk e, h_v t- (K) Kvb wi cvu cö`vbkvix ms vq bm` jb `b Ges mkj m `nrbk jb `b m úwk Z Z_ vw` ch v jvpbv Ges Dnvi WvUv msi Y Kiv; XXI

22 (L) Kvb jb `b gvwbjûvwis Gi mwnz m ú ³ ewjqv wek vm Kwievi hyw³msmz KviY _vwk j wi cvu cö`vbkvix ms v nb Z D³i c jb `b m ú wkz h Kvb Z_ ev cöwz e`b msmön Kiv; (M) Kvb Aciva msnu bi gva g Kvb A_ ev m úwë Kvb e vw³i wnmv e Rgv nbqv Q g g m `n Kwievi hyw³msmz KviY _vwk j Kvb e vsk ev Avw_ K cöwzôvb K AbwaK 30(wÎk) w` bi Rb Kvb wnmv ei jb `b wmz ev eü ivwlevi wb ` k cö`vb Kiv; Z e kz _v K h, D³ wnmv ei jb `b m ú wkz mwvk Z_ DrNvU bi cö qvrb `Lv w` j jb `b wmz ev eü ivwlevi gqv` Av iv 30(wÎk) w`b ewa Z Kiv hvb e; (N) gvwbjûvwis cöwz iva Kwievi D Ï k wi cvu cö`vbkvix ms v K, mgq mgq, cö qvrbxq wb ` kbv cö`vb Kiv; (O) wi cvu cö`vbkvix ms v evsjv `k e vsk KZ K hvwpz Z_ ev cöwz e`b mwvkfv e cöiy Kwiqv Q wkbv wksev Z`KZ K cö`ë wb `k bv h_vh_fv e cöwzcvjb Kwiqv Q wkbv Zvnv Z`viwK Kiv Ges, cö qvr b, wi cvu cö`vbkvix ms v KZ K m irwg b cwi` kb Kiv; (P) GB AvB bi myôz cö qvm wbwðz Kwievi D Ï k wi cvu cö`vbkvix ms vmn evsjv `k e vs Ki we epbvq h Kvb ms v ev cöwzôv bi Kg KZ v I Kg Pvix `i Rb cöwk Yi e e vmn mfv, mwgbvi BZ vw`i Av qvrb Kiv (Q) GB AvB bi D Ïk c~iyk í cö qvrbxq Ab h Kvb Kvh m úv`b Kiv (2) gvwbjûvwis ev m `nrbk jb `b Z` š Z`š Kvix ms v Kvb Z_ mieiv ni Aby iva Kwi j, cöpwjz AvB bi AvIZvq ev hw` Ab Kvb Kvi Y eva evakzv bv _v K, Zvnv nb j evsjv `k e vsk D³ Z_ cö`vb Kwi e 24 dvbb vwýqvj Bb& Uwj RÝ BDwbU (FIU) cöwzôv t-- (1) GB AvB bi D Ïk c~iyk í evsjv `k e vs K dvbb vwýqvj Bb& Uwj RÝ BDwbU (FIU) bv g GKwU BDwbU _vwk e (2) GB AvB bi weavb Abyhvqx Ab Kvb ` ki mwnz m úvw`z Kvb Pzw³ ev e e vi Aaxb mswk ó ` ki dvbb vwýqvj Bb& Uwj RÝ BDwbU gvwbjûvwis ev Kvb m `nrbk jb `b m ú K Kvb Z_ Pvwn j dvbb vwýqvj Bb& Uwj RÝ BDwbU hvwpz Z_ vw` mieivn Kwi e Ges Ab Kvb ` ki wbku nb Z Kvb m `nrbk jb `b m ú K h Kvb Z_ Pvwn Z cvwi e 25 gvwbjûvwis Aciva cöwz iv a wi cvu cö`vbkvix ms vi `vq-`vwqz t-- (1) gvwbjûvwis Aciva cöwz iv a wi cvu cö`vbkvix ms vi wbgœi c `vq-`vwqz _vwk e, h_v t- (K) Dnvi MÖvn Ki wnmve cwipvjbvkv j MÖvn Ki cwiwpwzi mwvk I c~y v½ Z_ msi Y Kiv; (L) Kvb MÖvn Ki wnmve eü nb j eü niqvi ZvwiL nb Z Aby b 5 (cuvp) ermi ch š D³ wnmv ei jb `b msµvš Z_ msi Y Kiv; XXII

23 (M) `dv (K) I (L) Gi Aaxb msiw Z Z_ vw` evsjv `k e vs Ki Pvwn`v gvzv ek, mgq mgq mieivn Kiv; (N) Kvb wnmv e gvwbjûvwis RwoZ _vwk Z cv i GBi c m `n nb j ^-D ` v M Awej ^ evsjv `k e vsk K AewnZ Kiv (2) Kvb wi cvu cö`vbkvix ms v Dc-aviv (1) Gi weavb msnb Kwi j evsjv `k e vsk-- (K) D³ ms v K Ab~ b 10(`k) nvrvi UvKv Ges Ab~aŸ 5 (cuvp) j UvKv ch š Rwigvbv Kwi Z cvwi e; Ges (L) `dv (K) Gi Aaxb Av ivwcz Rwigvbvi AwZwi³ D³ ms vi e emvwqk Kvh µ gi AbygwZ ev jvb mý evwzj Kwi Z cvwi e Ges, ÎgZ, D³i c AbygwZ ev jvb mý cö`vbkvix KZ c K welqwu AewnZ Kwi e, hvnv Z mswk ó KZ c ^- ^ AvBb ev wewa gvzv ek D³ ms vi wei h_vh_ e e v MÖnY Kwi Z cv i (3) Dc-aviv (2) Gi Aaxb Av ivwcz Rwigvbvi A_ evsjv `k e vsk ZrKZ K wba vwiz c wz Z Av`vq Kwi e Ges Av`vqK Z A_ ivóªxq KvlvMv i Rgv Kwi e 26 we `kx iv óªi mwnz Pzw³ t-- (1) GB AvB bi D Ïk c~iyk í mikvi ev, ÎgZ, evsjv `k e vsk Kvb mg SvZv vik, wø cvw K ev eû cvw K Pzw³, Kb fbkb ev Avš R vwzk AvB b ^xk Z Ab Kvbfv e Kvb we `kx ivóª ev m&s vi mwnz Pzw³ Kwi Z cvwi e (2) GB avivi Aaxb mikvi ev evsjv `k e vsk Kvb we `kx ivóª ev ms vi mwnz Pzw³e nb j gvwbjûvwis Aciva cöwz iv a mikvi ev, ÎgZ, evsjv `k e vsk-- (K) D³ we `kx ivóª ev ms vi wbku cö qvrbxq Z_ vw` Pvwn Z cvwi e; Ges (L) D³ we `kx ivóª Ges ms v KZ K hvwpz Z_ vw`, RvZxq wbivcëi cöwz ûgwk bv nb j, mieivn Kwi e (3) GB AvB bi D Ïk c~iyk í, Kvb Pzw³i Aaxb Kvb we `kx iv óªi Av`vj Zi Kvb Av `k Kvh Ki Kwievi Rb evsjv ` k Aew Z Kvb m úwë ev Rqvß Kwievi ev diz `Iqvi cö qvrb nb j evsjv `k e vs Ki Av e`bµ g Av`vjZ hbi c Dchy³ g b Kwi e mbi c Av `k cö`vb Kwi Z cvwi e; GKBfv e evsjv ` k Av`vj Zi ev RqvßKiY Av `k ev D³ m úwë diz Avbvi Av `k ev evq bi Rb Pzw³ ev mg SvZv vi Ki Aaxb ivóª K Aby iva Kwi Z cvwi e 27 Kv úvbx BZ vw` KZ K Aciva msnub t-- (1) GB AvB bi Aaxb Kvb Aciva Kvb Kv úvbx KZ K msnwuz nbqv _vwk j D³i c Aciv ai mwnz cöz mswk ózv iwnqv Q Kv úvbx GBi c cö Z K gvwjk,cwipvjk, g v brvi, mwpe ev Ab Kvb Kg KZ v ev Kg Pvix ev cöwzwbwa D³ Aciva msnub Kwiqv Qb ewjqv MY nb eb, hw` bv wzwb cögvy Kwi Z m g nb h, D³ Aciva Zvnvi AÁvZmv i msnwuz nbqv Q A_ev D³ Aciva iva Kwievi Rb wzwb h_vmva Póv Kwiqv Qb XXIII

24 e vl v t-- GB avivq-- (K) " Kv úvbxó ewj Z Kvb mswewae ms v, evwywr K cöwzôvb, Askx`vix Kvievi,mwgwZ ev GK GKvwaK e w³i mgš^ q MwVZ msmvbi Aš f~ ³ nb e; Ges (L) "cwipvjkó ewj Z Dnvi Kvb Askx`vi ev cwipvjbv evw, h bv gb AwfwnZ ndk Gi m`m KI eysvb e (2) Kvb Kv úvbx cöz ev c iv fv e gvwbjûvwis Gi mv _ RwoZ _vwk j D³ Kv úvbxi wbeüb evwzj hvm nb e 28 mij wek v m K Z Kvh i Y t-- GB AvBb ev wewai Aax b mij wek v m K Z Kvb Kv Ri d j Kvb e w³ wzmö nb j ev wzmö nbevi m vebv _vwk j, Z¾b mikvi ev mikv ii Kvb Kg KZ v-kg Pvix ev Kvb wi cvu cö`vbkvix ms vi wei Kvb `Iqvbx ev dšr`vix ev Ab Kvb AvBbMZ Kvh aviv `v qi Kiv hvb e bv 29 wewa cöyq bi gzv t-- mikvi, mikvix M R U cöávcb Øviv, GB AvB bi D Ïk c~iyk í wewa cöyqb Kwi Z cvwi e 30 AvB bi Bs irx Abyev` cökvk t-- (1) GB AvB bi cöez bi ci mikvi, h_vkxnö m e, mikvix M R U cöávcb Øviv, GB AvB bi evsjv cv Vi Bs irx Z Ab~w`Z GKwU wbf i hvm cvv (Authentic English Text) cökvk Kwi e (2) evsjv cvv I Bs irx cv Vi g a we iv ai Î evsjv cvv cövavb cvb e 31 iwnzkiy I ndvrz t-- (1) gvwbjûvwis cöwz iva Aa v `k,2008 (2008 m bi 12 bs Aa v `k) GZ`&Øviv iwnz Kiv nbj (2) D³i c iwnz niqv m Ë I D³ Aa v ` ki Aaxb `v qik Z Kvb gvgjv ev M nxz Kvb Kvh aviv Awb úbœ _vwk j Dnv GBi c wb úbœ nb e hb Dnv GB AvB bi Aaxb `v qik Z ev M nxz nbqv Q XXIV

25 Annexure G ANTI-MONEY LAUNDERING & TERRORIST FINANCING QUESTIONNAIRE FOR CORRESPONDENT RELATIONSHIP A. BASIC INFORMATION 1. Name of the 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? B. OWNERSHIP/MANAGEMENT 1. Is your institution listed in any stock exchange? If so, which stock exchange? If No to Q1, please provide a list of the major shareholders holding more than 10% shares in your institution C. ANTI-MONEY LAUNDERING AND TERRORIST FINANCING CONTROLS Additional information to be incorporated at the end of the questionnaire, if your answer is no to any of the following questions I. General AML/CFT Policies, Practices and Procedures: 1. Does your institution have policies and procedures approved by your institution s board or senior management to prevent money laundering and combating terrorism financing? 2. 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? 3. Has your institution developed written policies documenting the processes to prevent, detect and report suspicious transactions? 4. 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). 5. Does your institution permit the opening of anonymous or numbered accounts by customers? 6. 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? 7. Does your institution have policies covering relationships with Politically Exposed Persons (PEP s), their family and close associates? 8. Does your institution have policies and procedures that require keeping all the records related to customer identification and their transactions? If yes, how long? XXV

26 II. Risk Assessment 1. Does your institution have a risk-based assessment of its customer base and their transactions? 2. Does your institution determine the appropriate level of enhanced due diligence necessary for those categories of customers and transactions for those that have reason(s) to pose a heightened risk of illicit activities at or through the FI? III. Know Your Customer, Due Diligence and Enhanced Due Diligence 1. Has your institution implemented processes for the identification of Beneficial Ownership (those customers on whose behalf it maintains or operates accounts or conducts transactions)? 2. Does your institution have a requirement to collect information regarding its customers business activities? 3. Does your institution have a process to review and, where appropriate, update customer information relating to high risk client information? 4. Does your institution have procedures to establish a record for each new customer noting their respective identification documents and Know Your Customer information? 5. Does your institution complete a risk-based assessment to understand the normal and expected transactions of its customers? IV. Reportable Transactions for Prevention and Detection of ML/TF 1. Does your institution have policies or practices for the identification and reporting of transactions that are required to be reported to the authorities? 2. Where cash transaction reporting is mandatory, does your institution have procedures to identify transactions structured to avoid such obligations? 3. Does your institution screen customers and transactions against lists of persons, entities or countries issued by government/competent authorities? 4. 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? V. Transaction Monitoring 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? VI. AML Training 1. Does your institution provide AML & CFT training to relevant employees of your organization? 2. Does your institution communicate new AML related laws or changes to existing AML related policies or practices to relevant employees? 3. Does your institution provide AML training to relevant third parties if they are employed to carry out some of the functions of your organisation? XXVI

27 Space for additional information: (Please indicate which question the information is referring to.) D. General Does the responses provided in this Declaration applies to the following entities: Head Office and all domestic branches Overseas branches Domestic subsidiaries Overseas subsidiaries 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 the 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: XXVII

28 Annexure H Customer Acceptance Policy Customers are vitally important for banking business. Increasing competition is forcing banks to pay much more attention to satisfy customers. Our motto is to extend best services to our customers. We are also aware that sometimes customers pose the risk of money laundering and financing of terrorism to the financial institutions particularly the banks. So the inadequacy or absence of KYC standards can result in serious customer and counterparty risks, especially reputation, operational, legal and compliance risks. Collecting sufficient information about our customers is the most effective defense against being used as the medium to launder the proceeds of crimes and to finance the terrorism through bank accounts. As per Sec. 25 of Money Laundering Prevention Act, 2009 each bank requires to keep satisfactory evidence of the identity of those it deals with and also requires making necessary arrangement to prevent any transaction related to crimes as described in Anti Terrorism Act, It is also the responsibility of each bank to identify suspicious transactions of their customers with due care and diligence. Pursuant to above legal bindings, Sec. 5.3 of Guidance Notes on Prevention of Money Laundering issued by Bangladesh Bank and apropos to international standard Janata Bank Limited has developed the Customer Acceptance Policy as under: 1) No account shall be opened in anonymous or fictitious name. 2) No numbered account shall be opened. 3) Uniform A/C Opening Forms, KYC Profile Form and Transaction Profile Form developed in line with the guidelines of Bangladesh Bank should be properly filled in. 4) Customers risk must be assessed as per parameters of risk perception as clearly defined in KYC Profile Form. 5) Documentation requirements and other information must be collected keeping in mind the instructions contained in AML Circular No. 2 dated , the requirements of the MLP Act, 2009, the Anti-Terrorism Act, 2009 and other Circulars and guidelines issued by Bangladesh Bank from time to time. 6) The branch shall not open an account, where the bank is unable to apply appropriate customer due diligence measures i.e. the branch is unable to verify the identity and/or obtain documents required due to non-cooperation of the customer or non reliability of the data/information furnished to the branch. But the branch must be careful to avoid unnecessary harassment of the customer. 7) If it becomes necessary to close an existing account due to non-cooperation of the customer in providing necessary documents/information required by law/regulatory authority or non-reliability of the information/documents furnished by the customer, the branch must be vigilant in doing so. For example, decision to close an account should be taken at a reasonably high level after giving due notice to the customer explaining the reasons for such a decision. 8) In case of opening a Politically Exposed Person s (PEP) account, the branch shall comply the instructions contained in AML Circular No. 14 & 24 issued by Bangladesh Bank. Such types of account will be classified as high risk and will be required very high level monitoring. 9) At the time of opening new account the branch must take care to seek only such information from the customer which is relevant and is not intrusive. It is mentioned that the customer profile is a confidential document and the details contained therein shall not be divulged for any other purposes. 10) Source of funds, income or wealth and complete information on the actual or beneficial owners of the accounts holding 20% or more share of the account must be obtained at the time of opening of any account. 11) The branch will strive not to cause inconvenience to the general public, especially those who are financially or socially disadvantaged. 12) The branch will conduct necessary checks before opening a new account so as to ensure that the identity of the customer does not match with any person with known criminal background or with banned entities such as individual terrorists or terrorist organizations etc. 13) In case of establishing correspondent banking relationship, the branch/concerned division/department shall follow the guidelines as contained in AML Circular No. 7 & 24 meticulously. 14) The branch shall verify the identity of the customer using reliable sources, documents etc. but it must retain copies of all references, documents used to verify the identity of the customer. 15) The branches, where locker service facilities exist, will follow the identification procedure for their customers. XXVIII