evsjv `k e vsk ( m Uªvj e vsk Ae evsjv `k) cöavb Kvh vjq gwzwsj, XvKv-1000 evsjv `k website: µwwu M vivw U wwcvu g U wmwrww mvkz jvi bs-

evsjv `k e vsk ( m Uªvj e vsk Ae evsjv `k) cöavb Kvh vjq gwzwsj, XvKv-1000 evsjv `k website: www.bb.org.bd µwwu M vivw U wwcvu g U wmwrww mvkz jvi bs-02 10 AvM 2022 ZvwiL : ----------------- 26 kövey 1429 e e vcbv cwipvjk/cöavb wbe vnx Kg KZ v evsjv ` k Kvh iz mkj Zdwmwj e vsk I Avw_ K cöwzôvb wcöq g nv`q, KzwUi, gvb µv, ÿz`ª I gvsvwi D ` vm (wmgggmggb) Lv Z 25,000 (cuwpk nvrvi) KvwU UvKvi cybta_ vqb w gi AvIZvq cö `q gqvw` F Yi wecix Z µwwu M vivw U myweav cö`vb cöm ½ wmgggm D ` vm Lv Z RvgvbZwenxb F Yi wecix Z µwwu M vivw U w g msµvší GmGgBGmwcwW mvk yjvi bs-03, ZvwiL: 27 RyjvB 2020 Gi cöwz Avcbv `i ` wó AvKl Y Kiv hv Q 2 D³ mvk yjv ii gva g ÔKzwUi, gvb µv I ÿz`ª (wmgggm) D ` vm Lv Z µwwu M vivw U w gõ kxl K GKwU w g cöez b Kiv nq D³ w gi AvIZvq 13 GwcÖj 2020 Zvwi Li GmGgBGmwcwW mvk yjvi bs-01 Gi gva g wmgggmggb Lv Z NvwlZ 20,000 (wek nvrvi) KvwU UvKvi Avw_ K mnvqzv c v K Ri AvIZvq KejgvÎ wmgggm Lv Z PjwZ g~jab (Working Capital) F Yi wecix Z µwwu M vivw U myweav cö`vb msµvší bxwzgvjv Rvwi Kiv nq ciez x Z, D³ M vivw U w gi AvIZvq 23 Rvbyqvwi 2022 Zvwi Li GmGgBGmwcwW mvk yjvi bs-01 Gi gva g 10/50/100 UvKvi wnmveavix cövwšík/f~wgnxb K lk, wb œ Av qi ckvrxex, zj e vswks wnmveavix Ges ÿz`ª e emvqx `i Rb 500 (cuvpkz) KvwU UvKvi cybta_v qb w gi wecix Z µwwu M vivw U myweav cö`v bi wel qi bxwzgvjv Rvwi Kiv nq 3 m úªwz wmgggmggb D ` v³v `i A cÿvk Z ^í my ` I mnr k Z FY myweav cövwß wbwðz Kivi j ÿ GmGgBGmwcwW mvk yjvi bs-04, ZvwiL: 19 RyjvB 2022 Gi gva g KzwUi, gvb µv, ÿz`ª I gvsvwi D ` vm (wmgggmggb) Lv Z gqvw` FY cö`v bi j ÿ 25,000 (cuwpk nvrvi) KvwU UvKvi AveZ bkxj (revolving) cybta_ vqb w g MVb Kiv n q Q wmgggmggb Lv Zi cövwšík ch v qi A bk MÖvn Ki FY cwi kv ai mvg_ _vk ji cövwzôvwbk FY MÖn Yi Rb cö qvrbxq mnvqk RvgvbZ w` Z mÿg nb bv d j, Av jvp cybta_ vqb w gwu mdjfv e ev Íevq bi ^v _ wmgggmggb Lv Z mnvqk RvgvbZ cö`v b Aÿg D ` v³v `i FY cövwß mnrzi Kivi j ÿ Zv `i hvwpz gqvw` F Yi wecix Z µwwu M vivw U myweav cö`vb Kivi Avek KZv `Lv w` q Q 4 Gÿ Y, ewy Z mvk yjv ii gva g wmgggmggb Lv Z gqvw` FY cö`v bi j ÿ NvwlZ 25,000 (cuwpk nvrvi) KvwU UvKvi cybta_ vqb w gi AvIZvq cö `q F Yi wecix Z µwwu M vivw U myweav cö`vb Kiv n e Av jvp µwwu M vivw U myweav MÖn Yi ÿ Î wb œewy Z bxwzgvjv AbymiYxq n e: 4.1 AskMÖnY Pzw³ : Av jvp cybta_ vqb w gi AvIZvq µwwu M vivw U myweav MÖn Yi j ÿ e vsk I Avw_ K cöwzôvbmg~n K µwwu M vivw U wwcvu g Ui mv _ GKwU AskMÖnY Pyw³ (Participation Agreement) m úv`b Ki Z n e Pjgvb cvzv/2

-2- c~e ez x c ôvi ci GmGgBGmwcwW mvk yjvi bs-04/2022 Gi AvIZvq GmGgB GÛ úkvj cövmövgm& wwcvu g Ui mv _ Pzw³e mkj e vsk I Avw_ K cöwzôvb G wwcvu g Ui mv _ AskMÖnY Pyw³ (Participation Agreement) m úv`b Kivi hvm wn m e we ewpz n e µwwu M vivw U myweav MÖn Yi j ÿ mswkøó e vsk I Avw_ K cöwzôvbmg~n K 29 AvM 2022 Zvwi Li g a G wwcvu g Ui mv _ AskMÖnY Pyw³ m úv`b Ki Z n e 4.2 µwwu M vivw U myweav MÖn Yi Rb Dchy³ FYMÖnxZv : GmGgBGmwcwW mvk yjvi bs-04/2022 Gi gva g cöewz Z cybta_ vqb w gi AvIZvq FY MÖn Yi Rb Dchy³ FYMÖnxZvMY µwwu M vivw U myweav MÖn Yi Rb hvm g g we ewpz n eb 4.3 µwwu M vivw U K vc : G M vivw U myweavi AvIZvq M vivw U cvu dvwji K vc Gi nvi n e G wwcvu g U KZ K GKwU wbw` ó K v jûvi eq i Aby gvw`z gvu M vivw Ui m e v P 30 (wîk) kzvsk Ges D³ M vivw U cvu dvwji K vc Gi AvIZvq Kvb GKK D ` v³v ev FYMÖnxZvi ÿ Î M vivw U Kfv ir Gi nvi n e m e v P 70 (mëi) kzvsk 4.4 µwwu M vivw Ui gqv` : cöv_wgkfv e cybta_ vqb w gi AvIZvq cö`ë F Yi gqv`b n e M vivw Ui gqv` wbav wiz gqv `i g a Kvb FY m ú~y Av`vq n j mswkøó F Yi M vivw Ui gqv`i kl n e Z e, Kvb FY cybtzdwmj/cybm Vb Kiv n j, cybtwba vwiz gqv` M vivw Ui gqv` wn m e MY n e cybtzdwmj/cybm Vb Gi gva g F Yi gqv` e w i ÿ Î mswkøó e vsk/avw_ K cöwzôvb K µwwu M vivw U wwcvu g U n Z M vivw Ui gqv`i e w Ki Z n e Ges ewa Z mg qi Rb M vivw U wd cö`vb Ki Z n e 4.5 µwwu M vivw U myweav cövwßi Rb MÖvnK ch v q cö hvr FYmxgv : ewy Z myweav cövwßi Rb wmgggmggb D ` vm Lv Z MÖvnK ch v q cö hvr FYmxgv wb œiƒc : (K) KzwUi I gvb µv D ` v Mi Drcv`bkxj I mev wkí Lv Z MÖvnK ch v q me wb œ 25 (cuwpk) nvrvi UvKv n Z m e v P 1 (GK) KvwU UvKv; (L) ÿz`ª D ` v Mi Drcv`bkxj wkí Lv Z MÖvnK ch v q me wb œ 1 (GK) jÿ UvKv n Z m e v P 3 (wzb) KvwU UvKv Ges mev wkí Lv Z me wb œ 25 (cuwpk) nvrvi UvKv n Z m e v P 1 (GK) KvwU UvKv; Ges (M) gvsvwi D ` v Mi Drcv`bkxj wkí Lv Z MÖvnK ch v q me wb œ 1 (GK) jÿ UvKv n Z m e v P 5 (cuvp) KvwU UvKv Ges mev wkí Lv Z me wb œ 1 (GK) jÿ UvKv n Z m e v P 2 (`yb) KvwU UvKv 4.6 F Yi mỳ nvi I mỳ wnmvevqb : Av jvp M vivw U myweavi AvIZvq MÖvnK ch v q cö `q F Yi my`nvi n e GmGgBGmwcwW mvk yjvi bs-04/2022 Gi Aby Q` bs-2.6 (K) G ewy Z m e v P 7 kzvsk ZvQvov, D³ mvk yjv ii wb ` kbv Abyhvqx F Yi µgn«vmgvb w wzi Dci mỳ Av ivc Ki Z n e 4.7 µwwu M vivw U myweavi AvIZvq FY wezi Yi jÿ gvîv wba viy : (K) AskMÖnYKvix e vsk I Avw_ K cöwzôvb (wcgdavb)-mg~n K K v jûvi eqi wfwëk µwwu M vivw U myweavi AvIZvq FY wezi Yi jÿ gvîv eq ii ïiæ Z NvlYv Ges H eq ii g a B Zv AR b Ki Z n e wcgdavb KZ K wba vwiz jÿ gvîv hvpvb-evqvb Ges µwwu M vivw U Znwe ji ch vßzv we epbv K i µwwu M vivw U wwcvu g U KZ K wcgdavb Gi Rb jÿ gvîv cybtwba viy Kiv hv e wcgdavb KZ K NvwlZ jÿ gvîv G wwcvu g U KZ K cybtwba viy Kiv n j Zv cî gvidz mswkøó wcgdavb - K AewnZ Kiv n e; Pjgvb cvzv/3

-3- c~e ez x c ôvi ci (L) wmgggmggb Lv Zi bvix D ` v³v `i RvgvbZwenxb FY cövwß wbwðz Kivi j ÿ wcgdavbmg~n K Zv `i Portfolio Guarantee Limit (PGL) Gi 10 (`k) kzvsk bvix D ` v³v `i AbyK~ j wezi Yi Rb msiÿy Ki Z n e eq ii Z Zxq cövwší Ki g a bvix D ` v³v `i wbku n Z Av e`b cviqv bv M j H Ask m vebvgq Ab vb D ` v³v `i F Yi wecix Z M vivw U cö`vb Kiv hv e; (M) KzwUi, gvb µv, ÿz`ª I gvsvwi Lv Z AMÖvwaKvi wfwë Z M vivw U myweav cö`v bi ÿ Î GmGgBGmwcwW mvk yjvi bs-04/2022 Gi Aby Q` bs-2.4 G ewy Z wb ` kbv AbymiYxq n e 4.8 µwwu M vivw Ui Rb Av e`b cöwµqv I M vivw U iwr ªkb Bmÿ i c wz : (K) AskMÖnYKvix e vsk/avw_ K cöwzôvb KZ K µwwu M vivw U iwr ªk bi Rb h gv m Av e`b Kiv n e Zvi Ae ewnz c~e ezx gv m gäyixk Z F Yi Av e`bmg~ ni Z_ vw`mn cöwz gv mi 15 (c bi) Zvwi Li g a µwwu M vivw U wwcvu g U eivei wba vwiz Q K (cwiwkó ÔKÕ) Av e`b Ki Z n e; (L) µwwu M vivw U iwr ªkb Av e` bi mv _ mswkøó wcgdavb KZ K Zv `i Aby gvw`z FY bxwzgvjvi AvIZvq MÖvn Ki F Yi Av e`bmg~n h_vh_fv e hvpvb-evqvbc~e K cöv_wgkfv e gäyi Kiv n q Q g g cöz qbcî `vwlj Ki Z n e; (M) Av e`bcî cövwßi ci µwwu M vivw U wwcvu g U n Z cö qvrbxq hvpvb-evqvb Kvh µg m úv`b K i `ªæZZvi mv _ hvm D ` v³v `i M vivw U iwr ªkb cö`vb K i mswkøó wcgdavb - K Zv AewnZ Kiv n e; (N) µwwu M vivw U wwcvu g U n Z iwr ªkb cövwßi ci mswkøó e vsk/avw_ K cöwzôvb h_vh_ WKz g Ukb m úbœ K i 15 (c bi) Kvh w`e mi g a MÖvn Ki AbyK~ j FY weziy Ki e; (O) GmGgB GÛ úkvj cövmövgm& wwcvu g Ui mv _ Kvb wcgdavb KZ K m úvw`z AskMÖnY Pzw³ Kvb Kvi Y evwzj/ wmz n j D³ wcgdavb Gi AbyK~ j G wwcvu g U KZ K bzzbfv e Kvb M vivw U Bmÿ Kiv n e bv ZvQvov, G wwcvu g Ui mv _ m úvw`z AskMÖnY Pzw³i Kvb kz fsm Kiv n j cö qvr b Kvb KviY `k v bv QvovB G wwcvu g U KZ K D³ Pzw³ evwzj/ wmz Kiv n e 4.9 µwwu M vivw U wdõi nvi : µwwu M vivw U wwcvu g U I e vsk/avw_ K cöwzôvb Gi g a m úvw`z wø-cvwÿk AskMÖnY Pzw³i AvIZvq cö Z K e vsk/avw_ K cöwzôvb K evrmwik wfwë Z M vivw U wd cwi kva Ki Z n e wba vwiz M vivw U wd mswkøó FYMÖnxZvi wbku n Z Av`vq Kiv hv e KzwUi, gvb µv, ÿz`ª I gvsvwi (wmgggmggb) D ` vm Lv Z wb œewy Z nv i M vivw U wd cwi kva Ki Z n e : (K) AskMÖnYKvix e vsk/avw_ K cöwzôvb K wmgggmggb Lv Z M vivw U iwrª ªkb cövß F Yi Dci cö_g 1 (GK) eq ii Rb 1 kzvsk nv i M vivw U wd cwi kva Ki Z n e; (L) M vivw U Pjgvb _vkv mv c ÿ 1 (GK) eqi AwZevwnZ niqvi ci ciez x eqi n Z Ae ewnz c~e ez x w` bi M vivw UcÖvß FYw wzi Dci M vivw U wd cwi kva Ki Z n e G ÿ Î h mkj e vsk/avw_ K cöwzôv bi Ae ewnz c~e ez x eq ii 31 ww m ^i wfwëk köwyk Z F Yi nvi 5 kzvsk ev Gi Kg Zv `i Rb evwl K 0.50 kzvsk nv i Ges h mkj e vsk/avw_ K cöwzôv bi köwyk Z F Yi nvi 5 kzvs ki ekx wkš 10 kzvs ki Kg Zv `i Rb evwl K 0.75 kzvsk nv i M vivw U wd cö`vb Ki Z n e; (M) DwjøwLZ M vivw U wd e ZxZ Ab Kvb wd/pvr Av`v qi ÿ Î Zdwmwj e vskmg~ ni Rb evsjv `k e vs Ki e vswks cöwewa I bxwz wefvm Ges Avw_ K cöwzôvbmg~ ni Rb evsjv `k e vs Ki Avw_ K cöwzôvb I evrvi wefvm KZ K RvwiK Z wb ` kbv cwicvjbxq n e Pjgvb cvzv/4

c~e ez x c ôvi ci -4-4.10 µwwu M vivw U wd cwi kv ai mgqmxgv : M vivw U iwr ªk bi 15 (c bi) Kvh w`e mi g a mswkøó wcgdavb- K µwwu M vivw U wwcvu g Ui AbyK~ j M vivw U wd cwi kva Ki Z n e ciez x Z, Pjgvb M vivw Ui ÿ Î cöwz eqi Zvi Ae ewnz c~e ez x eqi mgvwßi 15 (c bi) Kvh w`e mi g a M vivw U wd AvMvg cwi kva Ki Z n e Ab _vq, evsjv `k e vs K iwÿz mswkøó wcgdavb Gi PjwZ wnmve wekjb K i M vivw U wd Av`vq Kiv n e 4.11 µwwu M vivw U myweavcövß F Yi wecix Z cöwfkb msiÿy : FY Abv`v q we` gvb bxwzgvjv Abyhvqx köwykiyc~e K h_vh_fv e cöwfkb msiÿy Ki Z n e g g wb ` kbv _vk ji G w gi AvIZvq M vivw U myweavcövß FY köwyk Z n j GKwU wbw` ó K v jûvi eq i M vivw U myweavcövß gvu F Yi 30 (wîk) kzvsk ch ší F Yi wecix Z úwmwdk cöwfkb msiÿ Yi eva evakzv M vivw U gqv`kv ji Rb Ae vnwz cövß n e 4.12 µwwu M vivw U myweavcövß F Yi ÿ Î e vsk/avw_ K cöwzôv bi `vq-`vwqz : (K) A_ vqbkvix e vsk/avw_ K cöwzôvb wbr ^ wbqgvpvi (Due diligence) h_vh_fv e cwicvjbc~e K FY gäyix/weziy/av`vq Ki e FY wezi Yi ci e vsk/avw_ K cöwzôvb ^xq D ` v M Zv Z`viKx I cwiexÿy Ki e Ges F Yi mø envi wbwðz Ki e; (L) G wwcvu g U KZ K cö`ë M vivw Ui h_v_ Zv hvpvb qi j ÿ hvwpz Z_ vw`mn cö qvrbxq `wjjvw` wcgdavb evsjv `k e vsk K mieivn Ki Z eva _vk e ZvQvov, wcgdavb- K AewnZ K i G wwcvu g U h Kvb mgq mswkøó MÖvnK `i e emvwqk Kg KvÛ cwi`k b Ki Z cvi e Ges cwi`k bkv j evsjv `k e vs Ki cwi`k b `j K wcgdavb mkj cökvi mn hvwmzv cö`vb Ki e 4.13 µwwu M vivw Ui `vwe Ges wb úwë cöwµqv : (K) G w gi AvIZvq M vivw UcÖvß Kvb FY we` gvb bxwzgvjv Abyhvqx g `gv b köwyk Z niqvi ci evsjv `k e vsk KZ K RvwiK Z bxwzgvjv Abyhvqx cybtzdwmj/cybm Vb Kiv hv e Ges Zv µwwu M vivw U wwcvu g U K AewnZ Ki Z n e Z e, M vivw UcÖvß FY wzb evi ch ší cybtzdwmj Kiv hv e Z Zxq evi cybtzdwmj Kivi (cö hvr ÿ Î) ci Kvb FY Av`vq bv n q cybivq g `gv b köwyk Z n j µwwu M vivw U wwcvu g U M vivw Ui wecix Z cªvc A_ `vwe (Claim) Kiv hv e; (L) M vivw U `vwei Av e`b Kivi c~ e e vsk/avw_ K cöwzôvb K FY Av`v qi mkj cö Póv MÖnYmn cöpwjz AvBb Abyhvqx cö hvr ÿ Î gvgjv `v qi Ges Ab vb AvBbx e e v MÖnY Ki Z n e A_ vr e vsk/avw_ K cöwzôvb KZ K FY Av`v qi j ÿ mkj e e v MÖnY Kivi cii hw` Kvb FY wnmve g `gv b köwyk Z nq Kej ZLwb cö hvr ÿ Î AvBbx cöwµqv ïiæ (gvgjv `v qi) K i M vivw Ui wecix Z `vwe DÌvcb Ki Z cvi e Z e, gvgjv msµvší e q we epbvq A_ FY Av`vjZ AvBb, 2003 Gi AvIZvq AZ vek Kxqfv e gvgjv hvm bv n j KzwUi I gvb µv Lv Z M viw U myweavcövß 2 (`yb) jÿ UvKv ch ší F Yi ÿ Î Av`vj Z gvgjv `v qi e wz i K µwwu M vivw U wwcvu g U M vivw Ui wecix Z cªvc A_ `vwe Kiv hv e; (M) M vivw Ui wecix Z cö`ë FY g `gv b köwyk Z n j `vwei cwigvy n e g `gv b köwyk Z F Yi Avm ji M vivw UK Z Ask (Guaranteed Proportion of Principal Amount) GKK D ` v³v ev F Yi ÿ Î m e v P 70 kzvsk A_ev wcgdavb- K cö`ë gvu M vivw U iwr ªk bi m e v P 30 kzvsk Gi A`vweK Z Ask, G `ywui g a hv Kg Abv`vqx my `i Rb Kvbfv eb M vivw U `vwe Kiv hv e bv; Pjgvb cvzv/5

c~e ez x c ôvi ci -5- (N) M vivw Ui `vwe wb úwëi cii FY Av`v qi e vcv i mswkøó e vsk/avw_ K cöwzôvb K AvBbx c` ÿcmn mkj ai bi cöwµqv Ae vnz ivl Z n e M vivw Ui `vwe wb úwëi ci F Yi wecix Z D ` v³v/mövnk n Z Kvb A_ Av`vq n j Zv M vivw U Kfv ir Gi AvbycvwZK nv i evsjv `k e vs Ki AbyK~ j diz cö`vb Ki Z n e; (O) Kvb e vsk/avw_ K cöwzôvb KZ K M vivw Ui AvIZvq SuywK wby q mnvqk Ggb Kvb Z_ B QvK Zfv e Mvcb Ki j A_ev fzj Z_ cö`vb Ki j evsjv `k e vsk we` gvb AvBb/wewa/bxwZgvjvi AvIZvq cö qvrbxq e e v MÖnY Ki e 5 wewea : (K) FY weziy I Av`vq msµvší evsjv `k e vsk KZ K mgq mgq RvwiK Z wb ` kbvejx h_vh_fv e AbymiY Ki Z n e; (L) G bxwzgvjvq D jøl bb Giƒc Kvb wel q A_ev bxwzgvjvq ewy Z Kvb wel q AwaKZi úóxki Yi Avek KZv `Lv w` j evsjv `k e vs Ki wm vší P~ovšÍ e j MY n e; (M) G bxwzgvjvi cwiez b ev ms kva bi ÿgzv evsjv `k e vsk msiÿy K i; (N) FY cö`v bi ÿ Î h_vh_ c wz AbymiY Kiv bv n j ev Kvb kz jsnb Kiv n j ev M vivw U Av e` bi mgq Kvb Z_ Mvcb Ki j ev wg_ v Z_ cö`vb Ki j ev M vivw U wd cwi kva bv Ki j mswkøó F Yi wecix Z cö`ë M vivw U evwzj Kivi ÿgzv evsjv `k e vsk GZ`&Øviv msiÿy K i 6 Bmjvgx kixqvn& wfwëk cwipvwjz e vsk I Avw_ K cöwzôvbmg~n GmGgBGmwcwW mvk yjvi bs- 04, ZvwiL: 19 RyjvB 2022 Gi AvIZvq wewb qvm myweav cö`v bi ÿ Î G bxwzgvjv AbymiYc~e K M vivw U myweav MÖnY Ki Z cvi e; 7 e vsk I Avw_ K cöwzôvbmg~n KZ K DwjøwLZ wb ` kbv AbymiY wbwðz Ki Z n e GZØ ZxZ, µwwu M viw U myweav MÖn Yi ÿ Î GmGgBGmwcwW mvk yjvi bs-04/2020 Gi gva g RvwiK Z Manual of Credit Guarantee Scheme Ges ZrcieZ x Z GZ`&msµvšÍ Ab vb wb ` kbv AbymiY Ki Z n e 8 G wb ` kbv Awej ^ Kvh Ki n e e vsk Kv úvbx AvBb, 1991 Gi 45 aviv Ges Avw_ K cöwzôvb AvBb, 1993 Gi 18 avivq cö`ë ÿgzve j G wb ` kbv Rvwi Kiv n jv Avcbv `i wek Í, (g bvr Kzgvi nvijv`vi) cwipvjk (wmwrww) dvbt 9530221

cwiwkó : K wcgdavb bvg ---- cöavb Kvh vjq XvKv m~î: ZvwiLt -- /--/ ---- cwipvjk µwwu M vivw U wwcvu g U evsjv `k e vsk, cöavb Kvhv jq, XvKv wcöq g nv`q, wmgggmggb Lv Z 25,000 KvwU UvKvi cybta_ vqb w gi AvIZvq cö `q gqvw` F Yi wecix Z M vivw U myweav cö`v bi Av e`b µwwu M vivw U wwcvu g U (wmwrww) Gi mv _.../../... Zvwi L m úvw`z AskMÖnY Pzw³i AvIZvq M vivw U Bmÿ i k Z wb œewy Z FY gäyi Kiv n q Q wmwrww KZ K M vivw U Bmy Kiv n j mswkøó FYMÖnxZvi AbyK~ j FY weziy Kiv n e wb œewy Z FYmg~ ni wecix Z M viw U cö`vb Kivi Rb Aby iva Rvbv bv hv Qt µt bs 1 2 3 FYMÖnxZvi bvg FY AvBwW kvlvi bvg D ` v Mi aiy (KzwUi/gvB µv/ ÿz`ª/gvsvwi) e emvi aiy (Drcv`b/ mev) D ` v³vi aiy (cyiæl/bvix) cöz vwkz M vivw U Kfv ir Gi nvi (%) gvu F Yi cwigvy FY cwigvy (UvKvq) Avcbv `i wek Í, ^vÿi: (e e vcbv cwipvjk/ ^vÿi ÿgzvcövß) Kg KZv i bvg I c`ex gvevbj b ^i I B- gbj wvkvbvt mshyw³: 1 cö Z K FYMÖnxZvi wecix Z Bmÿ K Z M vivw U Av e`b (ms hvrbx 1 I 2) Ges F Yi gäyixcî

Annexure # 1 Guarantee Application for Term Loan under Tk. 25,000 Crore Refinance Scheme A loan/investment facility has been approved subject to the issuance of a credit guarantee under the participation agreement between Name of PFI and the Credit Guarantee Department (CGD) of Bangladesh Bank, subject to the Terms and Conditions outlined in the Agreement dated DD/MM/YYYY. 1. Loan identification number (if any) : 2. Branch Address: Branch Name: Branch Code : Division: District: Upazilla: 3 Name of the Enterprise/Borrower : 4. Business Address: Division: District: Upazilla: Contact Number: 5. Trade License Number of the Enterprise: 6. Tax Identification Number (TIN) of the Enterprise: 7. Business Identification Number (BIN) of the Enterprise (if available) : 8. Information of Owner(s): Owner's Name Owners TIN Owners NID Gender Educational Background Male/Female 0-5/6-10/11-12/ Graduate/ Masters Contact Number 9. Category of the Enterprise: Cottage Micro Small Medium 10. Nature of the Business: Residence Address Manufacturing Service 11. Establishment Date of the Enterprise: DD/MM/YYYY 12. Years in Operation: 13. Ownership Type: Sole Proprietorship Partnership Limited Liability Company 14. Borrower Type: First Time Borrower Repeated Borrower 15. Purpose of the Loan: Term Loan Others (Mention) -------- 16. No. of Existing Employees of the Enterprise a. Total b. Male: c. Female: 17. a. Total Liability: b. Total Assets: c. Owners Equity: d. Outside liabilities: e. Annual Sales: f. Annual Income: g. Net Income (previous year) 18. a. Amount of the Loan b. Expected Guarantee Coverage (%): 19. Interest Rate: 20. Final Repayment Date: DD/MM/YYYY 21. Duration of the loan/investment: (Month) 21. Personal Guarantee of the Owner(s): Yes No 22. Third-Party Guarantee: Yes No 23. Other collateral (if any): 24. Forced Sale Value of other collateral: (Annexure # 1 Continued)

(From previous page) Undertaking We, on behalf of the Name of PFI, hereby, confirm that this application falls within the terms and conditions of the participation agreement. Proper due diligence and documentation have been made by following our CMSME Credit Policy as well as annexure: 2 of the Manual of Credit Guarantee Scheme. We will pay the guarantee fees against this application's registration as per the provision of CGD circular no., dated DD/MM/YYYY and its subsequent amendments. We also understand that in the event of any claim under the participation agreement, failure to provide documents and/or certifications as per the Manual of Credit Guarantee Scheme and relevant circulars of Bangladesh Bank, the claim against the guarantee may be rejected. (Signature of Focal Point officer) (for further correspondence) (Signature of Authorized Signatory) Name and Designation Contact Number and Email Name and Designation Contact Number and Email

Annexure # 2 Name of the Enterprise/Borrower : Customer ID : Branch Name : PFI Name : Due Diligence Checklist: The following are the requirements for due diligence of a credit guarantee facilitated loan/investment and documents attesting to the same need to be on file and shall be made available to the CGD upon request: 1. Loan Application according to the Manual of Credit Guarantee Scheme 2. Application submitted solely for Term Loan under Tk. 25,000 Crore Refinance Scheme 3. The document that certifies the enterprise falls under CMSME Category 4. On-site visit report 5. Financial statements (Balance Sheet/Income Statement, Cash Flow Statement) or any written statement(s) based on production/sales/turnover of the previous year (one/more) of CMSME 6. Credit analysis report includinga) Overall credit rating, b) Discussion on industry/competitive environment, c) Projected income or cash flow statement, d) Assessment of management capacity/competency, e) Evaluation of previous business performance, f) Supplier checks as to borrower s adherence to payment arrangements, g) Comments on capital adequacy and composition of balance sheet including changes in inventory, account receivable and accounts payable, h) Trends in sales, operating income, and net income i) Summary and recommendation/approval by authorized bank officers including all exposure to proposed borrower and group, if any 7. The borrower is regular on all credit facilities from Bank/FI 8. Satisfactory CIB report of the Borrower 9. Proposed facilities are not a rescheduling of existing facilities 10. Verification that borrower s premises or address are in place, and machinery (if any) are working in orderly 11. The borrower is not subject to any court proceedings, and is not the subject of any legal actions either in process or pending and 12. The borrower s fixed assets are free from any liens or encumbrances. Documentary Checklist: In addition to the requirements for due diligence stated above for each loan, the PFI needs to certify the following documents available in the concerned file, which may be verified by the CGD: 1. Loan Application Form 2. Trade License 3. Partnership Deed (For Partnership business only) 4. Board Resolution (For Partnership business /Limited Company only) (Annexure # 2 Continued)

(From previous page) 5. Certificate of Incorporation (For Limited Company only) 6. Memorandum & Articles of Association (For Limited Company only) 7. Form XII/Schedule X (if applicable) (For Limited Company only) 8. T & T phone number of the residence/office 9. Latest 12 months Business Account Statement 10. Photograph of Proprietor/Key Partner/Managing Director 11. TIN Certificate/Tax Return Receipt 12. Utility Bill of business address 13. Attested photocopy of Possession/Rental Deed/consecutive three months rent paid receipt 14. Photocopy of Nationality Certificate/Passport/Certificate of SSC/Voter ID Card/ID Card of the loan/investment applicant 15. Environment Policy Compliance 16. CIB report 17. Acknowledgment of the borrower for guarantee application 18. Personal guarantee form (Joint/Several Guarantee) 19. A declaration of the CMSME owner(s), partner(s) and shareholder(s) on their non- involvement of ineligible business activities and nonduplication of loan/investment under Credit Guarantee facilities 20. Other (specify): If yes: (Signature of Focal Point officer) (for further correspondence) (Signature of Authorized Signatory) Name and Designation Contact Number and Email Name and Designation Contact Number and Email Attachment: Sanction Letter