Mode of Acceptance:

Deposit should be made by A/C payee cheque in favor of "DBH Finance PLC".

Please note that DBH does not receive or give any cash amount from client for any purpose.

A properly filled-up deposit application form should accompany the deposit cheque along with other required documents.

Deposit normally will be made from the depositor’s bank account and the interest or principal will also be transferred to that account through Bangladesh Electronic Fund Transfer Network (BEFTN) system.

Mode of Repayment:

The depositor is required to return his/her original deposit certificate to DBH with the required signatures to en-cash his/her deposit.

Payments will be made in favor of his/her bank account as per DBH record through Bangladesh Electronic Fund Transfer Network (BEFTN) system.

Premature Encashment :

Premature encashment may be allowed only after the completion of 03 (three) months of the deposit. In such cases, the rate of return will be calculated at 2% lower than the contract rate, except for Easy Deposit.

Renewal:

Deposit will be automatically renewed with accrued interest from the date of maturity at the then prevailing rate of return unless otherwise advised.

Taxes and Excise Duties:

Tax on profit and Excise Duty will be applicable as per government rules and regulations. Any other charges imposed by the government, regulator or any other relevant authority from time to time will also be applicable.

Loan Repayment:

Depositor can repay the loan anytime. At the time of repayment, the interest amount would be adjusted first and the remaining balance would be adjusted with the principal amount. The loan amount and interest would be adjusted with the deposit maturity value if repayment is not made before maturity.

Required Documents :

For individual clients, the following documents are required to be submitted along with the deposit application form. Generally, these documents are needed to be submitted once if you even maintain multiple deposits with DBH.

• Properly filled-up deposit application form and customer registration form.
• Passport size photograph of depositor(s)
• Photocopy of valid identification document - National ID card/ Passport of depositor(s) and nominee
• Passport size Photograph(s) of depositor(s) and nominee

#  For existing client required only application form and cheque and nominee pic (if required)

For corporate clients following documents are needed:

• Properly fill up the Corporate Customer Registration Form (CCRF)and CorporateApplication form.
• Properly fill-up the Corporate signatory form with Passport size photos of all signatories along with
• Forwarding letters on their letterhead
• Board resolution on signatories
• Trade license (In Case of Proprietorship)
• Article of association or by-laws or Memorandum of association

#  For existing client required only application form and cheque and forwarding letter.

Deposit Transfer :

DBH deposits are not transferable.

RIGHT TO CHANGE:

DBH deserves the right to change the terms and conditions mentioned above without prior notice to customers.