o''1he1,,,,*:1).

i qf'lanrli-wete';

i* lb'C'h@,,5ur tfC.q$ t,,iqf non-'tompliiiiPt,is"tr'

qrir-qFrr{Frq
:M srTss. frfr&tr
*.-)t*f

:i--*Jl

Al-Arafal"r lslarni Bank Limited

'1

$ffi

qffrK e

{qtfr
qqfiB

re.rtd

qcflg{ qBr<'fm

ffi<

qlcarlco

AML/CFT x<u4* ercTrs<{rfi

{iqlffi{

{tqr<s-{

frqr-q}t?B s-go

qqsFs q<( {tRr$< <rdqPt{t ogtw

fuTg {ifiK

$-Y-s

q-{r$frs

ffi3

). <iTqror{<8fiftfrffiftqr AML/CFT frTc{ qru-srsl 1k

}ipf{ qt'"g<<

ApG sqs qlq-{ Mutual Evaluation

T Assessor team ,{( qsf$ qlT{ tg< qq.frd--{ {sn-sf q6ry
rr. .tF[ "l'iRK q?F-ECs AML/CFT wi<;1-.O {R"ffirq Bffitft s,K "f6g (giEI]-{ ri,cry Fmfrs
"fltb@ (Study Circle) ffiD-fffiK{qlTs "rffiw-+<n
a..

qq cfqro<

q-s-{

fr-.ftfrfo{o-.'teq<

q(saF[ s It,rrtlqemr s
q-{K mls
&Pt e e+inxqmf

m,

Mfits
q{f{

Eyr<Fffffi 8
{qlqq {lqTE5 qo, Ge{G Tl'fcT{-trFt

E<['IS 8
5.fr,l+qiRB ql-(Et{ =l" >o ltar< ar(n]-{)
c.{]ffi. qBrrt<,ltcFq1<-qq|{, F{tfr "IRFFT rs U"[-ET|{, fr,4TqlQtu
,r. E'tfi-{EiIR. qel-{K qftq, qo)q
3. aq|{ffiqftq, qoob is aqt{ffi (c\r"lFn) qlt{, \o)q s qo)e
r

f&ffitrffi

t-*-&-s--J .sl"-J-{ -r5*[.LiJ--*J

I
Al-Arafalr nslanni Bank Limited

qf{-\rffi{ffivRofrs
rsfrT e1fuffq{qBFtB, ettffiq'ffrqn, El$t
TffrEqR( E&r<ltqq-{ \o)\,:5qmffiqq{ qoob ({v{f{ft \o)\
I

r3

apqfr-q

{sK {KElr qa qtrql-rs' qfu e[cslET{lEl't

re

\o)\e{q)

01. Anti Money Laundering Xw'lvAbbreviation:

q AML: Anti Money Laundering.
F CFT: Combating Financing of Terrorism.
e ATA: Anti Terrorism Act.
<r BB: Bangladesh Bank.
q BFIU: Bangladesh Financial Intelligence Unit.
e CAMLCO: Chief Anti Money Laundering Compliance Officer.
c BAMLCO: Branch Anti Money Laundering Compliance Officer.
G DNFBPs : Designated Non-Financial Businesses and Professions.
ML: Money Laundering.
MLPA: Money Laundering Prevention Act.
tr MLPR: Money Laundering Prevention Rules.
e RO= Reporting Organization
e FI: Financial Institution.
F TF: Terrorist Financing.
e CTR: Cash Transaction Report.
q STR: Suspicious Transaction Report.
e SAR: Sugpicious Activity Reporting.
e KYC: Know Your Customer.
e CCU: Central Compliance Unit.
e TP = Transaction Profile.
q FATF: Financial Action Task Force.
e APG: Asia Pacific Group (APG) On Money Laundering.
e FIU: Financial Intelligence Unit.
e PEPs - Politically Exposed Persons.
q UNCAC : United Nations Convention Against Corruption.
e EDD : Enhanced Due Diligence.
e CDD: Customer Due Diligence.
e UCIC: Unique Customer Identification Code.
GF UNSCRs : United Nations Security Council Resolutions.
G- CSR: Corporate Social Responsibility.
FATCA: Foreign Accounts Tax Compliance Act.
"flsf# )

{ffrqvlR( e&raKqR{ qo)q, {dHffiqq{ \oob (qqr.ttqft qo)\

s qFA&-s q|SK {ffi qa qtffitrs. qfu ef6r[fs-fifq[

re

\o)rrfi)

o\. qffraMfrqqdfr t
Trfr

sglk

{1ffi

qtq qolq en a.(g tKl crFelmo

Efu-{l{

<rycs

{<t|g-qqfu wftall'{ qms{ Tt m'ffs-{ Tt {srs-{

e ()) q'l{tffiq'qtm<r d<{ ersr\% Bqt qlfus.FTr s fia-q"r c{I9r{ Tt qqr{s$.{L qeRI
(q) q-Is q"KK rRltr{ q&s c$1{ <ifurs qrqq{e <lrql dTi qtrs <xr< B&r"r :{qlTsT s-{L
(qT) t<< <r qt<q Stm qffi qd <t q",te fuT <fr{ssrm fr6am 'finK n.{t;
o E.l\o;{rc{ q'l-flrl-",En qt6{-{ *<{ E\q cslletr'<t qr-s,|{ Tk{lT ETqilT B"ql-< qsfs<, fu cer{q'<l
q=Ts
1lq1 FE<fu sflir,"B q"rffcrl-{ )Tk{

qftg. <Rqffi-r.f cel-<"l <| qfi-s{ 3Es1;

rorq qrffis cry{rrr{ etf,tvlm q-'W re-$ <T q="W sk-{l( o?t o-<t TRru qt qttcr{ qfi-q tqf
Rmrf sk-{r{ ELTtqr qtm iT'
rAI-s q'r{K xqBm er'<lfre s-{t <t cqlT-sl Tk-{K qtv{R c+-FI ?<K <t qf<{ qqftT {"i]-s"{ Tl
qr{iE-< <i'qsls-{s-{L
rlv. qeKH co qffi qFt qrp\e et <-rfl{ q={fr,{+i, q-el(E cflerl <f ptrt o:tL
ets""f cs.l{ s]-is-fl {rqBr qr$ q'i{Hq-fr qlffi( q?ffi E'q{ c'fffi <l qP-rq +-$ Rr;
B"tr< <fu m c<rl{ qeffl{ qRqBr{ qi.i{qcf, Tls, qtl-ol, qel<tq q\lBrffi rv-{-q re-<|, q\!Br"K
Eolf s+OqqFsls-{'t, qrAGvn-<t<f "|-{l{"f EqF s-{[
q-( Eem csE fi-I, Ts qlm {tfr EqR. EfuTl{ qq-{ Effi65s r
qt-mfu, )bbg qtrE
frCq..I

1fr;

O
O

($)
(q)

oe.

o8. qffi {lfr qElR EM{qlt{fr{f6{q&fue ffiqstR(n.dn eilA

r

eslR(m Erq"tr <rr* no {kE 'tQe qqFr qM&T

)bbb qI(FI

oc. ffi
e

os.

o1.

ov.

tr

,hflvr tQs qs r

ffi qvtRroE-cq.rsm $v oqxqvstF+ &-+wrft'qlcrq&fu R{ t

fuq-+ls-{-FTfi
<t(qlcqr.[ qfiqE-rR( qer<m\flt{x{qqqrK {tl-qmlEs z
so qfrat, \ooq qlgE
{(El-rqr.[ {lfrEglR'( Efu<t{qt{T,r{ t{B Et${lqr ?
rro fr{, \ooq a1-64 qffi
EfisT{I{ {(@ls frkrrl;l. qttq .e q<rkq'i <R-\9ErT
Efu-Tt{ wfu 6q<qfk \o, \o)\ WE"f{.-{ s-<l qr
{rfrqslR. E&crHqq{ qrrs.ar{f Er<rfrqNlTqtrq
ffi qstRq Efrgmt{ qttq er e5ft qffi frqi{r{ qkq
r

$ffi.

ob.

)o.
cF

)).
6

{tRwtRs,q\\Ffl{

{mT{tr frfr
rg

oP qqf\e; C$q.N8, CqTik^ s tBct"tq

I
r

erq6r$<qcg.fr{<m ?
Taf{ cof{ q"KH{q-r s]li qcs Eq\o <t. S{fffi q'd qaN <lcffi re sd <mqm (Financial System)
{r<-.i T6( \e-c|{ s]rs c:fq-mfi TET qT I E:q.fqfi - p'R, u|T.IB, fr{gRTE <t {(T{ qd{?l-{ ..{ffi
<iRs'fulr{ sril E{ Eaf-{ q( cflT6rr6 !-d
I

{F l#a.

{ffrqvfR( e&rslT\Tfq{ \o)\,

s a|-qfr-q :fl6tr

{Etl{ffiqt{ \oob (xrmft \o)\ e \o)rrrq)

{Kq|r qr qtFrl-rs' qfu

efcT||tsffiHt

)\. rmtR<fr I
G

rqriR

<-qcs

c$rrrfit\o qd

l-iita-+'m

uBq 68.{rqm{ rrl$rl

fre{

v,6{

T{lr+r{AFM6ffi

qm{

Efu-flm'T<XT r e Efu{'f{wcqi-<E\q c'ff"H<Tqslr+l<q-{r<r<-q-sqr I Bqp{cts

<fiqo u'lsB, A[-sEEq cno, ,qoB <i'lqo eslufi ECs
Ef'stm-{ {KrN irq-Gfr-oErqrK,
qtrq
qcqF{
qr{iE-<
RB4 <it<ro<.n'{nT R&{
<T q{1" T-{I

ffi

)s.

ntrcnrfurmnxfuqr

r
rsriR. r.p-{ qm tBGf"H ,{< {try6a sf{q Bffifqd qr{vlr-{

B{fffi r EqIqf,"r e *<<

)8.
q

)c.

q-tftr

qnf@RTre

fr@-{ ,

ufi&.

qr {ire {m q{ qfr ?<{

, A$ {ftfr-{ s{ T{ {teq-$-{t
<r<-qs

ffi

StructuringTqiefr{<m ?
CTR cqn-o c<qlt tgzrraq-dlfrffi firflTfrCD 11s T{s Cq-{cq{s-flrs Structuring TFI
{tfrqstR, q<( TqfftTrr{qdtr{ q&6aqftfuqlzrt 6 ,

ffi
|

qtss{es {f{'qs, ft-,ftT qlt{, frRrm qai fr,{TqlEFS qa mf{Kfr{ q'ffiLT

"iQg,
<rrqffr ffi qsfkl ,{<( q-qft ffi sqtf-r-E Etrsmf{ frGqffl tlcl qGfu
)s. {rfr EstR\,{<q, {qtft Trc{q?fiT{ E&rdHftffi roqsTtqrs:rrr ?
e Tflirq< ffiD-W{f ffi ay66 "rfrD'ffi +fuwX"tQ-'1 \5m-< cwmqdfw'<raql"moffi
e

qf{-qr<fsf{ffi
qfE-qt<lFfq ffit

)b.

qf{-qffiqQqqlfr <iRrs({tRqslRq, qEr{t{fr&Tl{tq-*qtq{$Iile{1

)q.

<n<r<m

qIfr qvrR,

(l"tqr$-{

Launderingqtrxq&fu

qerfi{ fteTlqIfr qk{ qGfu-

{lf{ E-sfk qfu-<K fiffiq.f

Guidelines on Prevention of Money

m co

6. "1ffiffi;
)b. TtREslR, qeRHq{{ s q&r{rm<Rqrrfi<lt(rsrs{Et s qtRy frfr t
q flfr ssfk, q'l${ q'{-{ \e Efu-<lrE e<( G-s-<.f q'k't{T{s s\tf,st c{i{ sffi{ Bcq.il <Rqlrq.f

sr-sT rs q1fry r[R-6{, {clt sre') mFr ft"iif Eqmslfr nqql qtrc qTg 4fln CffKqT s qrq-qq-{s cq-{Cq-{ q-{frg. ERR]fr frma{ <f
e frc$s"f a 4fl6-axvqffi Effir"r qfufr-s 6{ c$r{ sqR Ennoft qqqt qtcs c$lq q<R, EEl<
vtf qq<q'"l T-d- (<q (cn-Er-\e, q1ffi wt[+ qr-ql'fstft c\Efm ret:fu{ Rrf-{ s-+l Utr seB.ffr Eqf{ <r{t
r$Fr cq{cq-{
E-glk {I csF TlE qffil{ qa qfu TTs <E:u rrst sk-{t{ nfucvFo sl(cr
qn1-+olft
<IIfuo Rr"flf
c(qf qtcu, Ere;-{"1 Cffirq-{ q="tffi5 m C$f{v?f <l Efu<nq s\Sq ..<I
rst{ q"l{]K {(!Er"l-{ {.]xlr{ coR qd <i q={fr csF R{lcT q$ qfuq wc( qrq'-q sR<H 1fuqpiE
slrt afifrrq csw kc{f Effi-stft c\qlm q-{R-s so (fr"t) frrl-< s-{r Us fu<-{ cq-ff-{ qfiE <I
q-{trq <tft{Tffif em6s-fl
uc< 16 {ro m, E-s RqR-<T c.r{cq-{ q="lfu q6-o vqr E\qEr{-{ {mrq"r 6q-a[ fr6E qae n
qfiFa. <lFrcfr caxtn qfuR-s rro (fut) fr-{$fiKI {c<fm s (qs) {E <ffio re-<t sttm;
TtfrE-glRl Efu-{Ksk{iTEp6qi6.o]5qq-H-stftc\qLo, q:Rt {:BIE1-qBrftTfrrIi"lTf Eq|Es-{t;
Eqlq s]fr aR{ <liq'f6T.1 <it($. $.-Eo sfGs \oelr al qfu-qq4 qfrssk{ cef{f sfuq ftril
uH sqT{fr T-{l q<( ef6Tfqr{ Rr"iif
<qllqqslr-{ 'r'kefl_fl sRrftq
R<t sq-<:\Fo eqs
qqT{-otfr xql qr<sfrr+
"rRq-f{s-fl
et qlftT{ XB e[TI'l frfus $k<1T Em"ti frr"nf qq-fd-sifr -.*q*q TrlRr*.I fo<}TiT m co* cRql
qrc{M{ $-<'f
s o'fficqx q-qr EFlsr"r{ <iTqlcq qst, cqfrqK
<] E&SIrq-{
<rTqr$-{fiX-m-"f

{fi

{)

'i)

r)
v) ftlff

ffirfi

fu

u)

sffir
ffir
q) qt qltcr{ Um{r "F"r+rry etllgTftx. qry m csiT +.F( q-r[h-{ s-<l I qqfgt, xlffi.
I

qr{i-{g"FF cffirq-{ vqrs Eq-s-otfr {(qt c$f{^\oc['{<<Kfcqr q-{crl{ okrn,

efll-oElqf q{6q<iR6t-w sclT effi46.u
<T q.{I csr{sF"rt

=10p6+vtI.I

e}frs qttrdr

ql

sl\eElT

"lIol + s

ryqmffiqt{

\oob (qwFft \o)\ s qo)errq)

s {l?t&o'{#KrTKflr q<qtrrlire qfuEr:[lg larl
\o. ffiqsifrq Eer<Hqtt{ \o)\ 4( l.(<) Em mlgtr{s'ffiEnf+otftxqtff fu
xlfrqqr|R( E&r<K\flq{

\o)\,

c"

<fl\T,

qrfto q&S[q;

ffi;
ffi cuqK;
e qd qqro qdqEi cer{q-offt <r qnig-<-oft m csF co.l""rlft <t gBfrq;
q$ csFl-qfu$fq;
<l(Effi,t <tRr$-{qNB@crTrial 1ffi
G fofu-ql< s fo GtoK,
q R.m-q edD cscg-{'fl;tffi
r

q). {tfrEvtR. E&r<HWAT \o)\ { \c {kt 6qlefcrsfrmf Efiq-dftq\qlTqtsq.tRvfr'fr'l

6 o),$lqco-{ fuK qR}T{-{o.kE Elqrs-{ "iRGeK q6o s t{m iocr cq<q'"| s-fi;
q "l) df{cf,{ Rcf{ Ts q?rq <s qtTiT slfraf qerE w{-{ c ({tu) <sq-< "f is U$ R'JflI<T c{{cq-{
{iU;1-g- ieqlf

qR<Irl re-{t;

cr qrl (O s (?r) qr sfu x<frs rg-qmfr ftalrq{ <rRrs-{ flREr G]sfr<s {:BI {:Rtr, q-a<-$q r-fl;
e {m a,(T) er {(E'tR\o coF qrq-S-{-s cq{rq'{ <t rfi-firffi qtDA "lk-qft\o eA-rE "t- ffi

qR-{cr <REEq"f <rtqr$' qrq-{q."{s a{"rcq{ frr"nf s-sr

rclqft"nf qn++m {<qt U"r-{Tl ()),{{fr{l{E\q*TRrq <t<el-cq-[ <it(sfr {rB frrc- ell6{ ?
Sw x<qtro w{'-+ co("ttpl,t) qfEf{
e3i ry5qfm \a ({F.t) qq Bfot qfr qRffi skcs {lkr<;
q<\
qrI (T) e{ qfr{ qiffiAs qRIF[r{ qeR-s Bs xqf <I q(qr{ c$'Fr'.itelt, {fffi cqtf{, ,({ <l
.{rcT6{ <KTtfro +]d@cqr q-Ne <[ 4kffi <teq rkcs "ifRr< <t rs-<!-\e,
<f qR6q-{
q<fu sRr<
qqF-otft T6.1w"rs Bs xql< R-rm rcfl<rl <i<t,{qn-{ fifrt
E"rqffi (l) er qftrq qlL<lPFo qRrffi{ qd <nqnqt <no qgo ftdRs tq.fue qtqlT sRr{ ,{<(
qtqHT\o qd<Bx cs'Ftl'tl-{ s$sRr<,
r

q\.
6

q
q

fu

ffi

ffi

qe. {r{rqq-fir 6fi-[qr rqm fr {<|lt ?

tr "q6q-qq-qE cq;fcq-{" qd qtfi"f cffl-cqq. {t {ffio cff[cqr+s iraq etcs &$
61 6qt 64ffi-{ q",t6f et6"f TK"tl qT m,
a) ERr c$1_+ q'f{t{ qtrc qffi {oefq,
.l) ERr 66i-a q-qtfr Flr{, mn q-qft q(!tr{cr <I .sr{ q-sffim qdF-q;
G {Rf t qerd-{ Er?$ o5<.'trcur, {REf6q.f <ttn +-$, qr-R )irr-6T q.lRTo ffiiTiT <fu
cq-{cqq <I

cffKqrfiI

q-{T

m'F

erru?h

a.8. qtlvtkflryfiqqrs^ cE;rfiT q-{rs<F-{cct {rRsffi$. q&6RT{ .fl-{r 'ffizTr{ q-qt {tfiFr$.
?<Ftlwqqft'ft t
e q,{rgtR-rArqqsn-<r rffrcq-{ m'lgs-{l.cf <fiqnNIffio qG$frqr .l'pq q:i166 q-ff d]q\Flo
?<trt?qTqfi:mr s
r$-r{ <ifu <r comrfr< EM qrm{ qrc{ q(ufBfu wtistko {qs ERr$-{ cry(q-q;
a.. dRr$-Kq1-6alq(fr3uf .qlqs eiK"tq-drFl "fcqrf,{f6{R&T rls-Flqqf cefmt<q{c"sK;
e. di-qr$-K fu< 6q.rts (q.F q(rfir <E q(?rf, EeTl(-< qff{ q($ \E qr{s wqt6]qe q(F
qlftfrq'
rTfcal q('lBQ-{ ;
T{q $ dlqrs-< w-m
8. fu< c{f{"k ql6-lce Ofq+- qq^fi#s sclTlfr {ql6 d]-qrfir q"1-s1a1-s1gfrqy'lm s-{l;
c. rot-"tfrn defrR +{o'm<n< crcar wFik GT'lrcfl'l *Htct e&-6r {\SRt
s ,{l-Ers-< E]s qtt{fiq'qlc{-< rTkct qt5tftfr{ gsrffi< frftBRffisr @-{ s frol

).

"l]sl + s

xtfr{stR( q&rrlTqlt{ \o)\,

{Kq|r

s !TFA&-o x|*K
qa.

e
GP

rqmffiqt{

\oob (rnrtnft

\o)\ s \o)oqq)

qa qtcEt-rs' qfu Ec:[fsT5IlEt

:rr{qq-{$ cficqr (Suspicious Transaction) ft;Rvsrl{ "ffiorEf frfrwq-qqm cfficra{ (Suspicious Transaction) Eftu s-${ "ffierEi-qrqt e
fiKfre cq-+cr{ 4{6qWT{t
FIrfis TP Violation Report '6fmh-{ts-{f

wqrvf<-o

fi4

q-{ oidg5qlu-{l s-{r

e {Ifr-r CTRs-<r"Br qqtqqB? CE-{q-{ eFffis-<T

\s. qrq"{Frs 6ff GqT ( S u s p i ci o u s T r a n s a cti o n) GRv E\e{f{ "fr e-*fu fr- ft- t
e <ll\T-.I'tRt|<. 5a-1-a aful +V-o wq,{qT-s- @E-cq-{ <l $lfu{ Cfr\r E\3{|{. qlcct qk{ El.tFll
qfffi {ffi erR{rfl +-:fiairco frFW< q.<Ru +-rt
.tTqt qfffi.
q
fu
'tkeffi{ $fuf Rr"fifTE cq;Kq-{ il sFfuT qkqrq. {atl{elvfm
I

RrltT.i q4i ffiKw.ctqT{ A"iqsR< frPf<n, 4-6 qiamcI+3f

G
f{s: c{-+cq-{ <l olffiqrq-{q-{iF RrqmffiEqcquf qk-{rt efcrfefisqffiqE cs-67
{kefl-dn e$'fr1f, (${.1 +--Tl
qT {cE efcn'MftT qffi
q
-tFils uR<'ffi +-<l
<f,fu q-a6qq <l +]-ffi q-rra-qgTffi Rqk{ ffi
\1. qrq-qsi*F rffrrq-{fi-cflt' q{v?Rtfr' TE' }I{-s ;I\<sctsrN' qr{ ?
q'f ch-{f ffi q(<s-6f $-il1
e q6q-{q-{o 6q6rcq;{ frr"ilf qr s"Rtfr 6q4-wtQlB
"l-<-<-tr frrrf'f:il
1

\b. {ql.fts6<qrofrT<tlT

gfa q65q s{ ${t a cffslr<-$ ()) (n.) qEft nK <ocu s csFr <r& <t q-et
q\qf\%
fi-{t{sf <f qf.ffiry fr"f4 +fr-<f< q-{r ETfit{l{t <t q-{-qti{Er66K crF
<REffic.lT q"lsst,
q(r.K qG[, q]s\T IET {f$rq q-<-$.lT Tf q{T Col{ s'F(skcs <T T-{t qfts R.<s TtBtro <fil'sfu{
Urqr"lTroH <ifurs wfi, qgs{ qtql-rc, qEo, qofq<ci'skrq <l ..ct re]tsr qqF-q skrE, <l cs'F
<ifu <t qET <t <t-6< con qEqftT seq.tfiTRrE <l +GqlsnsRce r{lg-gtskrq;
rofq <lfu6s Wfi, sffs< qtqls, qlfo, qefq<"f s-{f{ q-{r ELTIGg skm, <I qrDAf $qf afr6q, <l
661-a sfu <T {s-I <t <.16{ c<rrE ry"tfrK x&wq{ s-si< $t'( qtTIGs <| {CIh el-+t nkcq;
B"f-qT-I (v) s (wt) erBm..l,qFqrrF corqfrrrrf,str<r, q'rqqqldrg coFrqq<I{qK$kmilfiBT
q-6r{

(9
(*rl)

R)

-"F

fuft

(n<rtt<ft;

q'<1-5qrlRRnt

(9

('r)
(q)

Tst <REtmr.i{ qsrs-{ qtcs wqr c<rlT Ti-{ fi-*r"r$ frBe rfu{ Ersl csr{ qt{K
c(!f{skm rt qeRt{ xrtr+< ErDBT et-q"f $Rr6T <l ffi skrE <l {qB\ol TfuE qef<t q{r cof{
<rff< con qqftr wfrqr<mcn' corq <i& <t {str qtfro q(E? altftrE <i S-s q"Hr nrc( frg
qtce <r ErD?I,{TI TR6{ <t qtrlfrssRrq <l:rqirgT ew{Tkrq;
rorq <lfu <t qre-I Ersfir< q-sft TR( qtre Eqs <r cslT Tsffi c'irff +-E+ Eq-s csF qd <r q-"iqcs'm oRm <t nelm <lFfe;
5$.r4 fr64ft {l'fks'<REIrqrrK qslsc< qrl (s), (ot), s (tl) qK sftcq c$'r{ q'KK okcq; frfr
"{qTft o.ff' q\rBr+< q"r{K nRr<q
66a ffi <-t rrst r-dffi ot'( qilF{ Tfu cttfr-m, ffi <t E-s qs.K q\ftB <fu <t <jfu<'f ffi <r
ER-f{f c{ qrclt {RG\o qB-o 4t c<r{, Iqfis'a1 qFqfi d<lqs <f q$( fuf <qm q<( w{--{ DIT
<sqr "t'{s m r$r{ c{'{kq-{ ftT sr<lqnr q&v r{{, q<\ tqK qBfrs qaftE qfiKt"l e<t sttcr
6qi-a

3ifu

<T

(\)

flsI

a'

lrqf{ffiqt{

{fRqqn|R( q&r*lTqtE{ \o)\,

\oob (lt<rttqft \o)\ \e qo)e{q)
s {|RIB-$' :il6R 4KElr q< ql-Frl'6s' qfts fi:|.lE<Nl6rl l
90.

{qt{ qrffi <itw q{6qT qtRv fr fr

qft4, qoob e{ qftm ml{ qeffiCrl-{ qfu q&s qd

mtq <nfu. D11-646ET flqr1q >E-E
e qrfr9.ftEer{ qfts ffiq'f
Gq-cqr E&r<.K \e mt-s sk{r< E-csl $re}F TrRs {ctlqct
cRci $.kr< .{<( mt{ qrqqq-{o @;fmT F-frE qto mr"nfrie at ror+ ersr{ ft-{T
<Rercqrt qT<ro fr-c{rf ok.m
efcqr Rffiif qkTd-$tft q(qK q'RDFT{I ,r'R{q (Board of Directors) <l "rkEH-{I "rfrlm{
q-q"fRfus Eq|+ fi<fft, Tt qqr c{ EIT s-rd qB-s r[ (<t{, EqK Ffficq-T qtfrY q={fu
q-{rItq-q rg qffr sR'r<, q<( $$ )c q< qfrrq <RElrq't vt<n o-r{o q.fftT\5 6r6[+t, lRf fu{if
Eqf frfte +Rr<
Eqf-do.lft q\qfqTrq{ s:i-{r Emtqr, Qtrs{ffl s-<'t qercrq fr

ffi

{s6l

<jffi3'

ffiFt

e).

Tq[fto'RdqeflT{ s <it lo K(qlqoqqirfrsf{qaflrq dfuc{<ltqro-{+-<fufr- I

efcsl-o <l'lRs {ku|qqt "F{cq{ q-{rTlqr-qrl s-qft ntr( sdia-q s <rT"to <K(clqs wU fr-ona q{a-q
{Ru;1-s cflpa{ Ef'rrcK rg qqlw s:il3l sm.l' **6 "in& qt',*'r s-{t, <iiRr$-{ ofiorflrq-{ q.lxqlRy
q-,fR6o ffirfi qffr ig m-{ qfir Et 'Ffirolu;tl 6'{t I frqrqttriB spF qtftT\5 frr{.mf r"fl<rfvIr<
"rk"nor+ frfus o-ar
calfr +.f6{ qaflT-{ e <rt"lo sm(clqo qq. frslcT qelfu{ q-tRfu 4(<lq. atNvrq effil {{l{ ffcet
qfcel EE ofons-< {fc{ q&E r$1-{ <lfu'<I qsK csf{ <]l\s. Rq]-< 'lRfiE\5 qr-q a[+-rq q
RlTf, ffis \rar q(B? Tfl\T-sE-T- qkqrq. 6qr-qlliu T{l{rT rel-<cl +-<lr
q]rcw{ rTqlq, {q'|fr $'rci qqfH-{ s <rt"to
qrfu.qqmf, fi-<r"ro
"fk{-cqr Re$ c<qTr|eqr
qKiqN{-o q-4 ksl-(.{ wcflRr{. q&s qrq-r{ slFrs-fqw cs'f{ <l& <t qst q<( <tqfcq-i {.{$t{
*-"F sfRo.lEw. rofq <rfu <l frRq. cqlRs q-s=K qfE-fi'ffr sqg QIf,AB-f, "|-h.frE {(Ts-t $-<lr
ulfrolYg. <l frR6 crrfrs crr{ <ifu <t {sl q"R[ qgls <f 'fffits-sr6{ sfch-{ fu-daTft-{/
flcfc(ft} cofq <lfu <t qEl-{ 6-sf{ {fl\T-frqf{ <l c{{fi-{ Fpv q\3ff{ )Tkqf qlccl q(ft} <iti+sql
Eg. fucfi -cq;l-cq-{ <t o-qm-{F {FIv rrr "r<-<-tr +:( n<rq-{ {c{i q frqr-s- ffi
q<Rs
o-st
Rqr-s.rtlB-6s
<fr qxir*Epm'r* q(@ts cffl-fizq3r qn-<n+orfr fu<r c<frfrFmrft qtfuq(rr{ fr-<r"rq "fRrmr
6S1-{ c<EExrfl{ ql\ssl{ <t <lRElcq"f wsT{ T-r3 urfrslYE <l frRh- csrfrE m-r{ <]fu <l {T
qr vr< ul GRs qBTK {fcc[ qlcat q(frn <rR+ Gs' 66Hrq{E qFts s-6{ "r<-<-tr +{ frEcr< :q-cs'
uqr frqrq.tieUro qafts a311
a fr'{-{-f,
r

e\.

ffi

fiRcxq5-*rqcsfr{<tlg

frRq x{5{<-qcu1<ft{i{<-ot{ 64.i:T qvit{65 r-d-fr T-iri{ {R-o q&s <fulq4

nm"u. T.Rr"l{ &fu-'1 qt6n"f
Er<[ vrfrro EtB+.rgg'skrr frRq'sRrt
o\ {<[s-K, qlrq-t Et{I, m ron xath*-o ETfrr{ q11afq;[ <t ETfr4 qtcu <lq frcs qerfl w{j'
mt{str{ ETfr{ q(r{K{ ok-cq

tr

o)

ee. fr.{vqtQl9 (BFIID <qmft-Tqflr r

G- {ffr E-slk ffi qlt{, .\o)q qT <tsl qe q ffi q-efRs. q'Rt{ q.{-{ {frr{lr{ <l(Elfi.l
<il(r+-< B"r* qfu srgt e qlkg ffiofiqffid {ffi q8()) rqlgfc<s I-w QBRE fu"( <t\Elfi-f
ffifrrqq eg-Rb (Bangladesh Financial Intelligence Unit <[
<itqo <RElcq.f T]ffi{
BFIU I ffi4611
qttq qoos F(r"nifft {o)q s qo)eqq ) q
{fR Evfk( dffi qttq qo>q q<( {dH ffi
<ffo <nqrcq-f <il(rfit B"l< qPfu s:{-rcl e ntRE q"r{ {F BFIU "tR"[qq s-<GI
I

4fS# s

{fRqqfr( etrr<KqtE{ \o)\,

s
e8.

4d{ffi

mrlirffi\flt{

a;qfr-6{lsR{r({lr
q{rtrqrtom+.;fasqa

\oob (q<r.ttqft \o)\ \o)rrfi)

q<qtffitr$ qfue[c$lsfl5ftEf
I

55Qq+, qoou

ec. qdqffiq1fu

qoob e Tq{kq\r"NftqFrl<T ?
oq(Et){lT, (qo)t K\ \o)e clcq)
qtfrEslRR, s q-dtft qc1n-{T[dq"KItt * '16q1qfrfr
|

es.

E l=rt(
rorq <ifu $fr s-stk qq-fl{ T-f,c{ <t qq<il{ qsqBn<
6Eal, CqFEI <T T-Srrq 4<rq'

"ffE{B

sretcq' 8 OfO <qr q<\ q.{f{s rq. (<Er) <q< nffis

q<( t{f{ q&Rs; q1_{frT<r qt-rcf c(ftE q*tfr< fr,eq
lcmr wrtfut't !f 5e qq B|+t "|{s, <R-f qko, qd
qrs q&v qcfl | qrem qfrfr-g. Rqk< q*lg. w"tfr
<fce-fisqm
q{Ilfs e (18-{) <\rr-?r 'Fis slilq-s <I wttr co Rlqfir
Drfi *is qqfus o E-wqrs qfus qrq+
ng1-{ <T g-s' T=K c(t*tB <jts <T <fi\iF-<t Wqg. <f
qr<ftfi +.Ktq-s <T qT( q.o (fut) <sm q<( \tr{-{ 8
(Ek) <srm ffis 6{ .ff{ G-flm-< {d{ st-{lk-s q<( iRl<
qfufr-s qcFq-s
I

sG EIE-{I-6( srefT E\q <f r{-q {r<hil\n <l r.I{fi

qqcf col{tr''t frqn vqr qql"[ s-f,m
asr{ <Is <t {gt <tsElcqrK q{ss[, q(q]E,
q-qfr<f"fsf <t qf.ffiry fr"W sR-<K s1-{'ql-ff{K"l TI

rsrq

q-{cKKrK csl;I q(r-R n'cT, qr\e(T Itr< fl$rn. CfiT

<ifu <t {s-t <t <td-< con c-{fr< q'Gqrfl o qt
qRrdr qftrE corq qstfr srr( q&s qlsm-

'{q cs]-{ <,i-s <I Tsl E-rsq]m q"{, as'r{ <iFF <t Tgll-s' tr-s Trl@ 6qt$ {|{]s qm, q{T{$'\o ({l s W{q A
vd, cr<f, <-glv {ATET (material support) <t (uK) <qs "r(g cq cslE crgrq-< o.ktq-s q<( qfuks
.st{ ry{& T{-<-fiq <I el*f <I <r+t n.<K qtvsF wls qE rfrr fr*.f Tql<t )o (E l) er fu {t qR-s
Esr"[ re.Ga, <t< qt'f <t qRFrs 5+.1-a q-qtft sfu + m tRrlqqefq-s,
{sT <I cufff o qq'i-b{ e-q-s c$'F{ q-qtft Tlr{-{ Uclarrli *.$r{ q."s]' cntft qrss <q EBRE .flfrqq {"1s
c"{ft( B+e.r {q, <t co Ets. Br$.t, {H qks fi<r<qR qr <f TrTqlr{{ qtsRsl c[rs"rkfffqqfqv,

* .qq-s]s B-s qsf< {ffiE

<re q-{R-s {o e{ e
9.{T 8 (uk) <q< 'f6s m csf{ fljlffi-< T'flq-s q<(
qftfr-s ,T"1s q"{frK fre{ qll<l \o Elrt bffi, {t
qko m "tfr'{Fi qdq-s
cqtft

eq.

\9

qftq qoob ,{{ )a())

Ttfr q-slR Efurrl( q{4 qo)t qr a.e()) (E) <T<T ,4<( {qm
$<t <pr <tRElffi.t <lT(s' (frqT-qftIu) T${ ETfrfr <Iir+-< qqr qfl{ftT frcrf"i{f qT{ !T
fr,4F-qt?lB {ffE]T T( )o, \ofk'{r tu/rVlo>8 clcq qtfr o<f q-{, EJ {lsl< q'f.(Etr qlr{

"tRGs
eb. qtM\
r

e ,rqtft

w{

qafl-T{

ffi{

{l*t-{ {6drt6{ ft'ft'xr(qKl {KEK

cqbk

q&gr"HE6{rq I
\u/tVto>8 vtR-cr{ "1rd qRTs ofr "gftr q'r(Er{, >fr qr{qR-T{ ts{ crR +-<q ,q<( )fr
Ftr-{ Tqr{ c<r<r scfr qf(uil< .{<( )oE {KflT FAr E&ql.ffi o.r< :rf6r{ qEEIT

{rffi

wftn-arqs

q
"U.sl +

{tfrEq

lRq,

{qmffiqqT \oob (q(r'tFft \o)\ s \o)rrr-{)

s {lRt&T{#K{ffi erqfffitcs qfuqcrflsd:rlal.[

qer{KqtE{ \o)\,

eb. t<n c+tl6$t{ {K-qtfr s 4(qk 6Etst-{{l$K{rf-.rk-{TqlE<6r(q

o) qq{qEtflf{LTni )o, reffrq >v/oq/qoos (ts{ {fqcrRq<q)

q") qq{qq qmm<* q.1, 9R{ \)/osAoob (rrqtqffiqftq qoob Wft ewr;
rEEf{ o), stR'{ oo/o)/qo).1 ( frq+wffi qlTs-{ct e{rr)
'l) frqrqlftB {EEt{
r) 6,{T-q-t?iB wlTElr qi q, v-tR'rt >c/o\eAo)a. { Ttfr q-stRq Efu-<T{ qt{4 qor\ <(
qqmfufr (qqrfi{ft) qtt+ tolq u'rft ewrrl
v) 6qr-qERU {Eq't{ q\ o1, \offu ls/oq/qole {{qH ffi (xr"itffi) rrltq qor\e
wft qqcq)
{Iffi rg q-flfto.ftf qfiT{u56s1ttql$lr{Etkr+sBq-{CEE rg E+q$qq'\rrcq ?
r

8o.

e tsfr w{cEn q<( a.afr E"t-qqrEq qt6q

8). {|ffi\ s {qtft+.E(qeflr{ fu{ tqfrqrk{F{f'ft
e <ilift!, <jrqr <rcs qffi e<\ ,rqlfr otd <r<qe qF {
r

{R"fift{-{ Erqrlr

{98

q-{T Trt(r$< q?FFK

6d3-a ffiFctlcs qftatf,alqf <rE

q?nTT
"ffi+1sq1qf' 6q <xH mt+tterr* I
1s

{fffi s:rqfft+lrf
{ffi{
G- <iTqr$-{ Efi{fid[fr <ls{k-sGfueqfr-st{rlTr crFqIT-GFr

8q.

'll-K c{

8e. Ffu"6,644qffifr.r

q-{cqtfts frCTlqt <Wsc+< q-lr {trl+ sldt-{t-TT cr EBFIE s'lq s;t-Gr, s16 6a-Sa etkeffiT
qBF.rE(EIqr
I

88. r<'fuffi{T{iFfr6({qqi

c$ ?
XIq-sT c q-{ s CAMLCO, DCAMLCo (,en 41 ,{s.tR-f;, BCD ,{<
q<( emrqn q-drFl R-qrr{ B6T afupp;

EGffi,

ICTD q< Et\9frR

8C. CCU qT{rfqj m'q6\r 'ff{6{{{t ?

e q-\"roft$ frAs{. R-orur (ArD) qr E&frR
8V.
e

8q.

8b.

CCU E(I{ 6{1

CAMLCO
CAMLCO *a6qt'tjsrfr
E<1qfi<tfr.{for-{ft qpr

BAMLCO fr I

$is "rqrTfut{+ffi

{Ifr E-qfil. e<\ {qlfr s]af qqtf-rr+ qtmk{ q-sj-sfot {Rfrsq s fiTq"I <r{q[, ftB s "tqB
<ts-{r6ffi x1-yq[ er"{im "ffr{q.{ offiT qN BAMLCO
r

8b. BAMLCO .!a ml'l-Jqfr

e *it{I <r{q1q-s, .ff{K frqr T:ffi[ qc6t&fr.{ q&u. Btr{Tffi
7

qru;1-s RqjTlT

frqrf{"aflo.f

Go.

qft+, RRqtqT, frqrqltQB qr

)i?F-{ Frch+trT

{tffi

c-stfr ofc{

AML/CFT

es( fiq-{ ftfrTiqlT frT.6s qarE {-s6tt

{FfiTffis{9Tfr'ft'Rrrrm$orroq{
.ff{f<

q6u q5a I Etqfgf

ffis

is {qlfr s"f6{ qdf{-{ qt.emK frlx-o

qqna-+ q&r<rcq frq]{.f{ qttd", frk{|Ef qai

"iiq q?nm <r<ql

ef+[ re:rcs qr<

s
frqfs frrxswq {ffi
fr,lT-qiIB q< q{]l-{r ffi"HiT {Refl_fl
4s1a

(9 qRo qRG&- KYc, (rt) m+cq{{GBR( , ('I) qr{rqqr$ 6q-+cq{<toKq{frRs-s{.f s

(O c<-s6xrs"t s (u) qftry"t

ffit

"flol* u

flfrq-stR(

etrrrKqlt{ \o)\, >rqf{ffiqtE{ \oob (q(r.ff'ft \o)\

\e {lyl&a {6K {ffi .q< qlrEtm qfu qc$sfll{t^

\o)u()

c).

G
e
c

qFlofrfiE{ft&qtqlfr'fr' I

${

ffio fr-{brl-{ ffircr rrt<r$r qsB Ifrffi fte{iqt

qlxel qi-qFB-s-sk{ frGrw Rmc{q

ctrsm
q-s{6 apqp g
cfltr{ <t qq-{tcT <[ e{T|E q{-<{s. csi;[ qRr$-{ frara 6rn-a1q[-{ TI
Shel Bank q< {fH C41{ q{rf{ <ll(fr( q=rRf qPl-{s-$<1,r<{'t
qlEq\rq-{ F-*t"t-el 'fkqm{ freW C<q{"ir{T ql\eEfr q-dm s q-d-fr s.lr( qdBrd-{ c'|caf q&\o crrTR
vtfr-olyw q<\ <Rotcq-t q-{-st< sgo frfrq' fitfre qfr-orp rorq <ifu.<T {sr{ alcap 6q1-a frqK 6{ict
{11-{ 4t a1 afrEff{t T-$ {lC{ 4I
qffi <tfaflmftq-{ Qqf{ 6{iqlr (s@ f'61s;*n Exchange Regulation Act,l947 e< Rt{m q(
qt\eEtT <REtrqrl'<ftT il{o q.tfrTe mmqXq w{q-<fix <<
1

a\.

efRrsrfur o1ffiq41q(@EamEHxfr-ft- r
EIqrs-{Qqf{ 6q-mf< +<lfrffin<tqt@ t io6{ BFIU {wq{rmffisrPrfut
<]ir+< {gfr qlrercs- Ecl, q({E "l s-{.cu qm

cE{Gtsrl-r<

Gp

ereIksRq,K{tfuTT UCIC (Unique Customer Identification Code) elfsmalc"s Qryfa6fis q-qq

fr$vrqrqrfitr*n-*r qx
Walk -in Customer q( c$-G qEI <fl\rfit Format cqTt qlrq r qcfR qfro s t{fn v<i Otfs alfsre
<< r frrts retK qnf{ E'qq \e ceKct{ Uflr.]T alls'cg qm I sr< Gooof- bm< <toq q(riF< cqrm
r

m'F[4fq]-{<trlmq5q
s qffT Eqr, qa{< E'qq \e cS<rt<Bffi.iT etl-s-cs qr<
furcoft efqrs-{ cwq EPrr$-{
qfro .s "1.fm u<r q\T's"t
q-d-qlt{ qrl <l Brsrqn-{ cs@,{]-qo <ffis wqr q{..ls'tft <t
qqM
q-{flt{
$-<-cs q.<' r
H'qK cs-@ w'qfu Bqm< Eql rR<rFt T-{.cg. qc{
e {tqsqqB'm (Positive Pay Instruction)s Qfr$64g 6FGI> 5 qq'Bfs'[, <jk 6s[EI> 6.ee qq[pE11
q qRrs-{ rp fus qrfiffi{:v61q16qffi qFlc{ 15-{H rp frp qr<
e K11C qfq-{rp s-fl', fiE s a<-JT ffi 6qr6q \ <qr "kr"K q<R EE tfu< crro ) <qT eBplg
s q6-{E?rrr{Ffr'd+l-{ ?
ca.

6-$-rdT

{tr

ffi<

ffi
e "tft

(Complete)" <qco qfr<qTstftftef<"fs[ft <1 Sffi/6qffiffis {RE& Tffi$rq

El-TisrftT {f,{ ErqR-{ qR{.fro {<fls r c<{-{ qfmr{sfft/ceKq-sTft e<q El"ffl/c<frfrfr'{tft{ qE rg
ffi froffi, (rR$-Rql-< qT{ Ffr e1.1-GF), "flq-c"flffq.feT "ffturfq7E1-{ fr-<n'-{ 444/eq6f6{1-rf
{RfrfrTq-f, qRTs o16, mtqrcqmtq qr< ffi
"qCIe (Accurate)" <qrs t{tr qn.f uellr+. {-{llrr <l{ qCIre\rf qffi $-{i-qrr-e
r

c8. TP qffi{fnffi6t{refr{<fl{

qffi'nq

cc.

,flqzr-{ erEfu, R{II<T sreF{ E-qq \e cffKqrl-{ <-<1 qftE$Tl'tio <r<qlfr-s q"*6 qPir+{ os (qT)
{Effi T6{, ,{fqs s-rF, ,{,,p|tfrg cffrcq-{ fiirEl}-qt"ffio d|fu-r RC<DTIT slT {$lRfi5.f frm"ft+-<r.e
Eeftin- q\(st s-fl6F TP
eLTFTftT qRrfl{ft fic"rcs cq'ffir+{ qXfre {lot ERrs-{ Frct <s

"l1rll

{1nT

KYC qlmt'ttq'Tiffi<-qcgfr{<tls ?
qlqrs< {fifrficTE-s v{r (KYC) qm'flqs-<rffi mro FX s

{fr- q""i{ Efq6s< ffirE qsei" EB

R <q{ qs-<t qs-?t q-"rd <'-$ I qRrgt Em. tfr r""t{ Efqrs-{ (s-@ qs{ Efult q<r <K "lirEr {-"t{
s-fl | \or< ElqlT-{ tRGfsNq-o v(ert{ m c$l{ {ffi{ q-{rfu q\erK qlrqf qlc{t EI Emrfla o.<t r frffi
csF erGtq-{' wd$ a-a c{ c$'r{ crrt ,ffqcs-{ qffiruuqs \5"R' qr{ qrfirffq T-fl I qlqfltflqTs
ErcR-{ &fu.o {+<fT qk{rr ,cq-{ fuffi {fr fr'fu o-4ro KYC ql-ffiHm fficg. {<tR
{t11{

'flEl#

{ffrqqR'(

EffiqQ1
1e

a|.dfu+.

qo)\,

{Etl{ffiqtt{

\oob (tr"nqft.1o)\

{6F {F(qlr qa ql-rqfm' qfu E[:ffs-frlErl

c\e. ffi-<qlRrsdF<ffiro' dftRqitrqr csrqrs m'naBm{fr RrqrEfrfuqr

q

cl.
e
cv.

ts

qose{q)

)=)8
KYC cql-slt6e'rwE+ittpfRoffire-dF'ffi-rfu?{ffitE{ ?
qfrr
.tFfF cst rmr{<i&<rwsKQqR crllqtTl-r{{I z
q,t&q(rq( fi-*rqs-r "l.R!rq-{ Re{ c<sm.RT{ vlrsu]-g qqt{ s q-d-fr otc( qdNrq q .GE rro,=
qfr-s-tv-w con <ifu <I qrct q<( <iRstm"i T{or{ s-fs qffiW Tt fiRq cslfrs csr{ <1fu TI {st{
4IN <r1\T frqK 6?llEt {-r{ il 41 {ffi4fl ofl <]',C< ql
rq-a6qqqffiR(fr z
ro"frqr rFffiq ffics firx]v frqs6i1-6 {<r1{
I

cb.

<rRroq;q56-16q-{q-{ FKfr\5rfitk o-<f

qFq, rtstkcrc< yE-{lT qqTqcrt{ q<( qleflElrg m r?F-{ cffr-mr+<T cof+ qFfo a|@ttq
?<<trq-y cqt efi"f cffr-Cqqq|q$s{ eTyqqof.{qFtfr(s-{t
q-nrqru-+ $-<.K q-di e$F Fffs-{ <r<-$ eet s-<t q<\ m q"{qtft
frffi qT{ qwr qwr fuir<K
Em.
Rrqrr 6$+rys Rrirffi ffi6q Rrq{ q-s<fur <l EDD q<Ert-{ s-{i
r

qo-q

{fr

tRq-"f{
eo. I,tr 6q-{ch-{fr4f,nqpfr{rm ?
e qB <itro -ff{iqTcqr t6il6f {kffi ffi-{ 6fir4q 'Rs-r +-6{ ml-{ esB ffi6< ron es-F
frffi ftrq q+. <T qs]ko cffKqrfir nR-rcq q{I <l B-refq-cq-{ glolt+, qftqrm m col-q {ac.lf,
l

{1r. qfi il B-6s1Et{) {fuf{ )o(q..l) EF Ef$t <f sqrd qrefu il qI.T6E"r{ ?<-6qFr'Tg-ls qr s-c<
Et q q m-6T efR'fl_fl i0-fi8 q< :rl<-fm {Ifr-$'&ftrc frer-qllB r{l+r* {"ln co;r-6n{ Rc"|1f

Rrlrr

qtFlq s-Trm

6ilnr

s). tfr eemfr-sur+rsntnfrqqfr'fu

6
e
6

s\.
e
c
q
F
e

ct [ <r+lK +18
<rTq'K cqD \e{tdrs R{f{ ccllEt{ {{{
,fiqrs-{ efsiFrv:ilfro cffiqn-{ "fRqFf \e .{fqcr-{ efsifFi-o rlfrs cfl&r+{ r\1lT
tm{ft"t{,{Rs'SRs-rm fr6f"r+T{q fr' fr?
,ffqrs-{

q.rg Ec-qrqfr{ E?R qr<<lcq< sftqy't&{frlqf,Tewlfi

Y4f+toeEr{qq<I c"n? <rqfi-+tqt <r<'{1-{-{q{c*K
EDGg ffifu-{ <ft( {R{l ewci qffiefl \e qrqr{ {t<lr{ U-ffi/EET qtqlrT vd qf+sa
3F{-sft-<-{,6ttfrq9? \e <cI{?I"lfrGs<l,qsfuK cq]-drKqqj

ft4-4

6<x-41-6

ftVTfi&ffi

ftxqt<trcE carr$'E-<-{ffqk-{fu{ cclfqT

ve. Customer Due Ditigence (CDD)<-qFfr{<Il{

Customer Due Diligence (CDD) aq6s fr-ft-6ry6 rg 'rffrq Eqq qco qt$ Ecl-r, E"frc' \e qfrflft-{
&fue qtqcs-{ "fRGB rlult$K.l \e m'lss-{6f{q furcT{ cflm^{ ffiBR. T-{fcs {<llm r Ecertr cq,
.{Rro{{r?fl{?r "tkG&erq"[ q<({'lD]ts-{61(KYC), coo qfuTr{ q<5ftqst
,{RrsrdrfuTE-{lT cDD w,ttrFrorro frfrRffifu<Ertfttrc qr ?
,{Rmfr dtr RrqETIT FK{tro fre{
c D D qp'ttq{ Grrg- ET t
r

v8.

q qlqmrqi-6clq-"r6ql"rfl{qr'{; "[ftrr
6 ffi{ Efqrs-{ qtcq qft-+' cffKqr qiqBm{ q:q-$
G T'.<|i. qr{-q $-{f{ Ir?IB $.l{t cll_<rr{ m truf"p(,*fqr+r {RG&T a"lm 6a vrlT at qffi
T-{I qcrrq q qdrg m <I qfrs q:I; i\
s mf{ C{qCq-{ qlM( {f s-Sft n.R"( qdixr+< {lzcl q&s qsel {rqq qr{

q\Aq

"flrcf + ro

TffrEqR( qGrrK\flq{

qEil{ffiqq{

\oob (xr.nEft \o)\ \o)e{q)

re {IRIB-${#KTTKEK qaqf6qlm qfuqc|rs-filErt
qo)Q.,

sc.

Customer Due Diligence {-ltCiT<<lqq{{rqrE<il(RlElvrfu fr t

C u st o m e r D u e D i ge n c e c-"flq{ T-{k 6n;[q <I\r$-{ o-<fu fiX-m"f c
il(m Bw-*-"i qRrs-{ frtp gq6 q q?m ef(TMr{ ffi{ RqK <s-Tr{ fr-c<
frqiqr{ qs"t Rcl< <s- T-flT mrq Er6or +{qre< q$q^lq{ efei"+-<-rq qr< q<( Rcf{ Tft-$-{l-T "e.f &{ii
<-r|l-s{rBr sl-fi <ll"llTtis,{l{srs c{tfr"t EqF T-{F qr{
rmslg. qs? qfqm-{RTrsqrq-{sT"rc Cdrirrr{fiTollf nfrEs-{6sqc{
Enhanced Due Diligence(EDD)<qcoft'1<llr?
Ii

e
@

@
sv.
q

Enhanced Due Diligence(EDD) <Erg. {<rl$ ffi qetfrc e xqtft s.m( qdHT EBr{R!-{ cTrr{ mri
Wseffeo. rt{ lS.I rer-<fr <t vts*ftgf {EG wcrc< (cw-+ s r'[t{ltfu{1E qil-s-l{ BtqmIrJ{r "il<fr-{ v-{-cvd
High Risk and Non-Cooperative Jurisdictions Rcf{ E]G-slw cnt) crc-{ firrf{ <rRrs-< rTfRI
or+c"l-cst <iTR q-"r6 Et"f{ <l. <qlT <FIl< <rT{IK ful\ qs?fuf <[ Enhanced Due Diligence q?ar{
a-a5q 1-aftr I qa<r <i\ro< Beneficial Ownership q<( {tfiE-slfr( e qqlft st6( qftT qGr.<tr< vl.rh-{
ft& e "f6e' q-r66 ffio s-qr {(l{ T+cu q6a
;

s1.

EDD qr mmq&frss"Blfr'ry{qfr fr t
qnzo<{ft 6-d.{r<ER (rorqfrfrc*t'lqM EBStms <t qt-<lc "tRq'fi sffi)
estEGfifi<wrot-Sqlc<-<{rw{<i&{s\5?r, 6fiI

e
e ffi<nro-< 6rf6Ewlf 6{$l
@ +*tcq-<Bqc
*- frFrc-Tf'r{Frt^q-dqTrfi_fiqrrq.<-qr{!1D1t
Gr qqffi"f {ffle
@ qtfr 6-rFTr {ffiGkrE frE/ Brs ft<f-<"if<l'lco R"<-{ft/ c-<-sl-{ +vi mtr "rqlfr< ql{i6q
e r$.F/ "lrq{\I$T{'(CSI-{ "fqrT "It\B{t C'ICE 'lq m-$oql{CEq'FI$s Eq-gE-fs.ln)
e qfufrn-qqffi{rtt (el-<ilfr/ cqltstR "n<fr-sffi{ET{rG)
@ Benelicial Owner qr 6t-cEI fur< cqqmw{Piqr* 6qon Face to Face Customer) e51fusdf<-+
q*tfro E"fffr q<( c$l-,fffr{ fficq (O ffi
<t ffi
Rt-sK <l (rI) to% <l eK qk$ .cs-s
6"lsl-{ cql-t{ e< fr"(rlRg s?RTfr
@ KYC qr cttq (Know Your Customer), KYCB : (Konw Your Customer's Business), KYCC
: (Know Your Customer's Customer).
@ TM: Transaction Monitoring
@ Tp qr cxrowf-<ftr ()) R{f{ ccn-fl(fttr{iq{$fl (\) 6stReTP q<qlcaltat-{-6q?6{< frqell-s(<;
@ scaf<Esc?<t<g'qr<
sb. Unique Customer ldentification Code (UCIC) qcsfr'{<tlr
@ Unique Customer ldentification Code <Erg qsq <fi\ro qsQ,{WT-{ estR.s Rqt< elffi q[E
ERs tRGfrK "FTEfu tk{d cffKqr xGffis. e< 1fr<trqf <ilRs $f{ Ew .{f<Tr q-{r qrB (UCIC)
I

6.1R1-r

Tffi

s-<lrs $Il's

{t

UCIC

qf{srs-6R\5

o-+co qfqFr s3rGtr,

frffi

qq<rro <il\T'

sy--zo

fi fr cc-{f ffi{q<1

qrqrrf GRs (Track) s-{F;Tlql{ir-{r< q<\ t@crqffi6-aqcq-{qBBR(-qr c$-cqrqFslF<c<

sb. Walk-in Customer<qcgfr{<lt{ ?
@ Walk-in CustomerTqrroTrl<rs<fuRtflftE|.{r<ffisqlrsfcill w{c{llTftE, e{F{$<lTTqdCeff,rR
cwrq qd cK.fSIft q<( qlelors {ill-{, sl-rq-T "gftn s qfto sqf, q,d ceKc.K Bm"f q<\ q.Bf( BSm{ E?f
r

{(<'5Fcl$-{Cg,qr{

Walk-in Customer q< 6rF-Gr Effi c,ooo/- ({lF EMfr) <t qT ft6pa qqrffi cEErqrffi 6$-6q
cerr"rs1.ftrqrr<q-{$-tft s ET,rs-/c{frfrfi$fr{ iT{ 13 Ssr{t e<\ cerff{lftlqE<q-{-{Ifr{ 6fu+'F ix.?r {(lq
s-fi

"flsl# ))

{ffr{gtR( Efrml{qlt{ \o)\, qErmffiqQR \oob (xrmft \o)\

s q]RI&-f

to.
6

{|SK{ffi

qaqtF|.|ls qfuEc:|.l-ssrtEt

\e

qo)e{q)

Shell Bank<-armfr{<tl-:r I
T<fix <m G6qr.i FKfrE. c{rqr.t Er6q-<
T{
Fmftgl qft-O ef"f (Regulated Financial Group) eT

Shell Bank T{-N...hq<

COfq

<lioro

qftp

csl{'ttiIt <lTFfuT c+Q e<(

Politically Exposed persons (PEPs) <qcu fr {<|lr ?

potitically Exposed persons (PEPs) ffics "Individuals who are or have been entrusted with
prominent public functions by a foreign country, for example Heads of state or government,
Senior politicians, senior goverrment politifcal party officials" f$. {<'flT
qq. politically Exposed persons (PEPs) q< R{R cqm \e 'lREtfl{t{ mrqffitqFwfrfr t
el {& <l,rt"ffi{ {t{l"N fr(<"r T-{t
,gfqs rt R+]I<K
{R{rqft (PEPs)
"rf.
q="l<F
qPr{. T-{t
Gmw re-rc."icw< qsrlqT qt(9lffi'
q<\ (q-{(Ei-{ h-${s $ffi 6-sf
q-{f.TC{t"Es.
ef$
qct
tsT.l-{-{
<i<t
<T cpt-Cq-{ Bqc
G.
qffi <fcirqfrCq-< frr|q 6{i?TK mra Foreign Exchange Regulatio n Acl,L947 qa frr6a;ffi
\e q< qls\ol.t <Rs'tm"f il\T. s-eF q.tftTs frC,f'ffiX q{q-<'t $-<I
1e. qvT{{rft <ieflcqfr {<tlr?
e efrT{.ffr <i& <-qCo "lndividuals who are or have been entrusted domestically with
prominent public functions, for example Head of State or of government senior politicians,
senior government, judicial or military officials, senior executives of state of owned
corporations, important political party officials" fo n$i-5q

1).

ffi

q8. qsF.fft <ie,q< Rff{

<rRsrs

vlcq(.fl{s

<r

c{lqt rg

R{rr{{

cFcEfr fr'fr[f"mT{qq{r*t${cgq{ I
frqr q frff<"i <'{t
{F,flr"-tft est{.'rft 6q-a

ffiEffiT

eQ-e

ffi

q ffirt{,gl-<s-{ {|-rcr <Rft!. qqf {i}t"f Eft{l{ q.{ I]ftr riTqK (frqrqiig ff4lr {\ )o)
qr e. q q( ?t qcs s @fr.6o <ffio ffi"m ffiepa;4 4-41
TGPrfist<lt\fr\ (Correspondent Banking) <+mfr-{<tlg I
a-5saa1-5g6 <lT(k <Ere. m .S'H qS Trl(S" (Tr<q{-rsq $-"F wfl Trl(+-ro (C<qt-cg--s)
<1\fu. cry<I {nl-+ro 1<fHr q<.l ilRfu. fl<1 <-+F 6@ffi, fu-c"ff&t, stms'f{, ffi.,
c"lrTt, +rr,.t vroqrq6, qrg-qlGs qrrl{ EH+T<, &{rs u-r+E q< q-{i gft\ wtmqrqs +
q-{-s-,f q-fl C-$r{ c{<t dr-l{-cs 6fi-l
qlil'rElq+l< (Wire Transfer) Tqpfr-{<ltT ?
qrrf{ Fiq+]T (Wire Transfer) <Etce q:q-{ qlfto cqircqTrs {<fir< {Ics col-{ H]r<qq-$'fft <ifu <t
EtrSftqr q-{crk{ ml;t <rf(s Ifefr-s $<l{ <Kqf{ s-m q'l{ crf{ {tt(s '11'$f< qqla-ol-*
c<frfuFffi <lfu + EBeFm vd qqn Fr< slrc qalt{EtqTr{ (Wire Transfer) n<nT
1

lc.
q

lv.
q

11.

G-

qEernftsq{r1-{&fqrK (Cross border wire transfer) <trc ft'$Il$ ?

qtsarqftT qrt< Ef-qrf{ (Cross border wire transfer) <oro qs{ qft-s cErm-{r$T{fl{ I{
qotkr
cqrE qtr-<n+o|ft e<\ c<frfuFmft e{ e{ ffirrt q-{qf{ nrr r slqfgt "fflqT cqf{s
qffi c"wffi-{ m6.K <.ltc-< q={rfre qrE \5I\e qtrs(q-ft{ qTIKffi{ m(
EtqT.lr<K CS(GT Tn'rcs'
altr<<
wis-ft.f qnif{&fffiR(Domestic wire transfer) <tcofr{<lEr ?
\n-glrgft"f q{f'K Ep[Tf{ (Domestic wire transfer) <+m qsei Cq;[6qI6F {<l-16 C{ffi@
q.lr<q-d-otft s ffiftfiffi qrt cqr.i q<qr{ T-c{ r qrq;rq er<-"lT q*r6{g ,qslksEtqr]L< <r{qs
qTIKE]-{+t{ 5l-lr<
Efu-TI Wdl-, C$.f{ 6q(.f C-"r{ qrs\e Ef q-siE-ft,t
t

lb.
cr

'llET # )a.

rrqHfu'{tftqtT \oob (xr+ft \o)\

s {ttt&s q|SK rfl(fl< q< qfffilra Efu efcffsflirlil

Trfre-slR( qG({t{qlq-{ qo)Q.,

\e

qo)e{q)

lb.
e
bo.

Ef{rwqBlq (Positive Pay Instruction)

,$5

fr

aqfeelq (Positive Pay Instruction) <"165 <it(<tK uf{ FKI"iE.l-{ q*{] <t\q.fcn..[ <Il\rfir
firnz"r+f q-i{tfr aEq 5-6efffi16q1fi!fi<',ft{ qBbrcqr cs@ qs'mr q<\ vK( Tflrl"r q<.(
<re Rtflr<-{ r+rq tfu'EIIF s ETs Xq'mrr-{ cu-o tkr,trcffi (s-ccr qqfr} dl-{rs-{ Fr+E qm
Positive Pay Instruction qffiR-+slr< clE"l s-<t q<( q q(@B 63s\t )T(<EFcl s-Tf6-4. 6flrr
{.ffur qT{Ru <|-q-<-<tr dtqo (Non face to face customer) <tm ft^ X-<tl-r I
)r'ffir< q-{fRs al q-<-<-ff q-65 1Non face to face customer) <nns .h q-+-q d]-{-+Ts {-{lk<
{l{l <11(s- tl{ls {{frrr U{&s qI {cr <il'(rs-f, .{rsr6f-{ {rrfc{ TI fi-ffi-{ c"l-llqlf, qiefiR.{
qlKir{
(utffiR, qolBBtt
{.q al|r$- q<( efkE-f{il T-r{ etfm

ffi)
fu{
b). ffirs({qB{k"lrs' <Ecofr-{<tlr I
"(rl(rsr qqft ffrlrm" aqro frkrrn ffiFTrK ql.{rrs- ,{Rrs-{ tfu Ac<mm fit.q errflq"frT
Eqr, E."lls e qffi xcPqtfo CDD c-td-s-rl {6T(E a6f q$Fel +q'"fx,co rq} +-rrc {<ffi
bq. ffi6 e<\ m{vcR;/qGmffr ss'<qrsq(<s6l T-?rF'ET
e ,{]-{rq{ q-srs.-ft.f s }E-6qFrr Cq;Kq-{ qie'iu rrs*E erRffiftT <I qffi Rqr< ffi- qTK
ulR{ q6o q1r{ a(tfD <s}K "ffs q(Tt.t T-fi
q dfEr+-T Kyc {q coo sfuar qqm
orm q({Qs {s-E s?l, s qffi ftqr{ <q. qsnt{ utR.{
I

\e-etl

{mwgq a(trD qqwffiqq<sq

T-fl'1

qffi

q<( cq-{ch-{ qq@ls

dRr+-{ KYC qq cDD SfuTf q,ll-q-{ a-1-6a q(TAE {s-E Ecf s
qffifrqqqlleBqrDIRqTilFrch+Fi
Ectr s
c{rs'[c-s-q]FGrr{gf,f
qqqBs
qs{fa
Walk-in Customer syr ro;m-{
$R{ ere wpa a ({tD <qftr
6aq6qq"
qqGtE. w+-{ drrMfrT \g-cf Tl
q(<s6f $-fl
q
qqKfus E?R1.fr qeR1< o]ferr< ffi$-q-fu{m fifrfr-$'q.qf6l Rrqr< Bq.{Pl-{ u'**- r+rq
s-rela {F {c<r
Grrq-{q-{-$ cff[rq{.g-qmfr Rqs-qtllu -"F "l-<-<-tr frc(.tq'l q'l cqrr efft: q(<srf s-{t
b9. Self Assessment frT*srtHll+rfuft'fr- I
F
Self Assessment q< q"{i frer-qtllB $qo frfiRE cos. FrS qf6K {B5trr{ ({Rf}l} 's' )
e( B"l< frfu +rs rFfl.fr-f, eftis tFlr< {qlFrq s-Tt
GTo-AT{ aftz<nq ITE+-{f{ 1cd.n+f <raqPrr+-Tq-sHfuqtFilrlift}+fufaar frm q-st
$<L
{E-nT{ {iemqri-{ B"f< qfcq-fu-fi e trfts qrwt trfrv s-{6frR'.tlelt {fin qqHl-{ s-{i
e W-E- tfrr<q-r+ '1Fff a-q-s- {"llk'f frp1-qh s-ff,
q
qenT{ dB-r<I{ frlT-f, ffi$"qvlerElcu euqq\B?
"r<-<fus $R E-srk rs {atfr +.rc{
frTrr-{ qsulG frrs qrmffi +-fir
e
{'{ls E${ "f<-affqEffi >c vtfrnlr qc$ .ir$ {Er1T{ {Gr<n-{, e k{cr.ll1ll
o{o TQ-rcl't+'c-<i +.tfu{ s yrtktlt q:cn or{t{6r-{ wsiqfr{ frfrs't k-opr e c+-6x
I

qffi

ffi

{ffi{

lfr{I-fl

b8"

e
bc.
G

eBRrB cet-r"l +-+lr

qqf s E;rsle{tqlm fr Tl I
Dormant Rmc{ vq rfo Bfof q$ cqrl {fr< fte. trc.le-{

Dormant fucr

blol.

m-<i <lr.<

ql

Dormant ffi{ fulrq a+*R utq l Tl-r{ ?

qqo s-Es.li'{t <F-qleLs< FrcE FIRE ql-c*ird-< cEfucs viio Bw EW-s-{ KYC <fua1
sr< ,$'qrs-{ Dormant ffi "F-{iTulqs-{t crcs "tl-r*

q='1-a

"lluf + :s

{ffrqqR( q&rrlqqlq{ Q.o)\,4qmffiqq{ \oob (rnr.fnft qo)\

s qlB&-s xlSK {F(qlr (a qffiffi qfu qrgET{ffl

re

\o)e{q)

w. Self Assessment {\ Independent Testing Procedure5 frq{-sqsrcfiEtfrftqfup;g

a'afufr-fr-r
F .ff{m{E qcs dts .111-11rrix-+ aftr<q-{ sl}la s-(r csr{ Iltefis C-$t{ {fr"F RlT {REft\5
ErE ETqq;fts-sfr4 efftq,"fcqT <r<-$ cfq{ "Fs- c+-dT {frene-{-tBfrEm qqRs $-{6f
F Fr{fis <ftro 'tRk-.f{/frftw.l ofTfr q{qkr RfrT .|irfi-E {fra{qlfi.ftsl $.Ffu{ q-ttq-{srcq
I

Independent Testing Procedures eK fi(tRg cD-sRB $SK qlTAr ( "fRftn "D-" ) qr

&&To q\frn.r<rm TrR E-sl.R. e q-slfr +.16( qeflT{ dtrer*K +]d@T q\fr}
'Rq.r s-{f
.l'Irll*
q\fr}.|]'<I|<
e
c3tr( fr6F{-s-<g.e
dfuC{nq el.l-a-q s-f,lr
<tffio qRk-tf{/frfts-f sfiTfiK qGfrs sr,frs )o% .Ilatl-.t ryo tRnf+ sqA< qrcwr'
Independent Testing Procedures q< fr(tRs cu-sh? a.lSK {rc-qm ({RFE "E" ) {
q-ffis. e q-stfr o.16{ qeRr{ sfu-rfl{ +]d@T qqG"B {Aw.| s-<t
frfuG q(fr?.ffRl|r
-iFIf{ c{Fl frfa-+-<se dftl<q-{ et"H-q $-al-r
q-srgfu frfts-i fr-spr tffirclR.ftfrs xfFfiq{rq( mft qrBs {frr<qr+{
sB5a-g
mdT 'lR'ffq-{ EBfrE <<f{r< cet-s"i q<lr
tqmiE fieqilFr{.H 'Tl.M{ s qIq-B <rt(fu. s-Fi@lT
oiI"t "rrrflqrq-fifi-f, $fr
q-slk e q-orfr nlri qafrT{
q\ft}
+.Ffu{
{R"r{-{ w<qt {uttLT{ frfrrc
{ffro &fus WrcT )o% srH "frrtlemrtT $as ffiqxfq
std@{ a6apaa
q-<Ro
c$-6T {R"rfi tUfrEm
o-<t
Self Assessment <\ Independent Testing Procedures fr'$r+.r${ts rfRlffffi

ffi

ffi

e
e

ffi

ffis
ffi{

sffi

frfu

ffi

b1.

$Frl'tr*n-{fufr-fr-r

fu{

{F dts.p1 1+iil.+ qftr<rq.

q<( {rt(r$-n wslgft"l Rfrst

s-rF qTRE-tE
rllalI {TCT{ 6D-sR} &furs
'rRnf{/Rfrsr sfuGr-c{-{ B"r< fu& +-cr kc<ui rr$Ers "tRk=ffi
{{nT{ 4ter<q{ $w +-rlr
de(<qrr{ wdif{ R'trfrtr {ke[ qffiNr< fiqr frv<q{q wqs affsr<B
9 rriE.fHK li?ffi .{<i.iFff qcs EIS NiE 6aqq W1rq-{6T-B R.ctfcf,-s q(?BT;
frr"nfflrq q-srsftt frAq't fr-st'f T-rF- '[ffi\g/frftfrE .ttelr{ c\?BI q<! }n'al'fcTrqf, {t$ ls-{
"t)
qrtmqc{$ frmld qft-s qRqrs.rFnT qrt rrf,Fl{ m {'sq qfirc:l-< fr{T &g'+ mxrq st
'i) QIs cq-qo
$6s<t"ifio &,r+s qfim crt6 mTtR rffi tBfiE.y.
<KeL
{) q-sr-sft.I frfrT'|.fr-st'i sef q]Flsw Efu-<qc{ EtFFrv qKKt s Rr"N qfu:llnx e<\ ,h Ts-E
qfinr c{k{ c$-fr{ tktrqqtBfdDs-gr 1Qu<r<qt; <<<.
u) EIg kr"l]# "qa6sffi1q<p" "{ffuE" Rmr< {q.fifrg }ff<nc{rq{ {Reil_ffi frft\o re-<-rsc c<fi\.
{'stlq{E

$.

B-drqrm 1Q-o <r+qt

.frflq'Tq qre EIS .tl{ff
.iF[{ csl{
qrE
R\T
{EnT{ Efu<q{ {ER s6( csf{
qqqft-s-stc< "r"fa[E q-srsfor frft'$T
l.t!]rq {Rr".fr-fi <Kql .{qiq-q
SqTs
qHI
sylrs-f, r'qr<
crffiE +.fffirH {tE{ e<\ em-S <jfRk stii@rqr cxrq r+-frs {k"|i_fl aBBE q-sj-sfo.f
frA*1 R-ol't <s qN q&1qmq{q ld|cq.D-{ryfio Erfi-< "[:fr-<st {'flfr.wq qB <q-rr<
TIrn ti{-tr <qr+{ frfrmlT Ets qfr*r:r< k<6f q{frv qsB rt(- rR(Fei <fl\rfiT q{r{ F-fift <-"rK{
rilFlEr Q-<E; ETr{ fi-.itt{ TEFETE \5l. <rtqr$-{ {frEHil q:fiT {slT B"rqprq o-<I r 8{l-+ fidtft rg
ffiDtq-{r "t'fr sfrE{ :q-sNE s 1Qv <j<qt cqEE esB <lffis efu<qq rcsrtR firfir qc{i
frerq?eB {<r{ffi qtFrq s-<rg qr<
4sl + ra
r

M{

tr

tfrt{

"fffis

ffi

qffi

{tfrEutR( qtrr*KqlE{ qo)Q., {Etl{ffi\flqT \oob (q<r.tttft \o)\

s {l?t&o' il*K rTF(qlr,{( qfFrlrr qfu e|-r$sfilql

\e

qo)e{q)

bb.

G-

rffiE[s{ qslsfof frftsT frs]tf TW Independent Procedures Testing ('tl=rlk

qtffioptffi cslcil{frfrre mRrgfr'fu ({St{ qK{R qxtrft)
E{Fr

Independent procedures Testing q<.1p-1-aqffi{{-flT{ CStr<-{&fus c<fiVqqFE-<-"[s

r<R.
6fi-?r
bo--)oo
1@{ffi (Strong)
1o--bo
wcgNsrr+. (S atisfactory)
GC' -to
rqFlrqtBvtq (Fair)
8o*-cc
ElEs (Marginal)
8o s 4Til'(E
wimlffi;FF (Un s atisfacto ry)
qT qlsElgv q"f{fT{{q (Predicate
qft4. qort
bb. {fr wtR(
offences) frft I
6 {Ifr E-glk, Eiemt{ qft4, qot\ qT{fft lIfr E-qfri q< qNegtq@ qq-flqq{q (Predicate
offence) frrN EBFFo qqril{, slql cqrrt <I 6qr.K {lRrf, q(!Bc{-{ {FcrCT qffi con qd<l c*iqE-srR. s-{I <I sfr<r{ cu?r o-<t c

qffi

e
e

qfrEeW
{gTqfEq{"f;
qfu{ q-s'lrTq qfq-$<t.

uffi;

Wffi;

e
q

e
G
e
c
G

G
q
G
e

6
c

qsf{fi;

Saq
Q<t

qrGT <r<ql
qlq-o e c"rfi

qtfrs

&"r<r-T

Tr<qt;

rut<R e \ffin-dTEr<l-<qtfi<r<-fit
qcfq{cf,

qf{rrclmqffiilrtf

s eFf<-frTTf;

{+, xKlye.ifftk-otfr;
qIft s Ffe "rum;
rEl{fsk-{l{;
cnft e frrq'ftqgf "tlD'K;
[k <f w$tfu a qare-t <t qErTEt <I ftql{ q-Tq;

qlfT

elM-{;

cfigo;
trSq(@lsqeKI{;
s-{q(@fgqeK't{;
6\!-r'iYE(T{;
rsr{ \e cEtftn.r(qd ffiall{;
cvql.n<T'IYE($[T-K efq]Evi-tr+;
1fr5ar1aisq"H{;
ffi{frfuT(Sexual Exploitation); e frGerr.ftirqt{i6qqdqqlq; qai
tc <w{ q*tfu {-qr qrr<qqft-{ \r-eli qqqT,({ rs-fas ETI"{ t< ERf Tksr sm?sr rm"l{ c{-ffird-{
{tair{ <ffi{ {R$ eR"i rg <ifu-te <t Et&61F-o {fr<t{ Erqr <1-q1-{ fir-o.c"l{ cu?t n*f (lnsider Trading
& Market Manipulation);
c({<q-q'RK (Organised Crime) <l c\{<q- qorffi qr{q('tof{i';
<REl6q-f <itro s.-5 {<-$rffi q-{ffim@ffi curcqlB er@T,rffi{ r}l-t[T cTlfrs-wi ({ cfFI q-l$ q,rfl{
cFKTEETft \3

{]sl#

)a

TfREutR(

Tqt{ffi\flE{ \oob (q(r.flrft \o)\ re \o)ofi)

rs q|?tB-r:ilfK{ffi q<qtatrs EftoEc|.fs$r'Frf

etrrrKqef

qo)q,

bo.

.1,{f

qlffi(

q&[sHs.ffir

(BAMLco) mFBqs qlr-qffiyfr

ClrlJEf t

).{l{TqcqPwfrqTnffi/cs-{tt-<-{<lRft'(

q. rtffi

qeq,B65{$fu1

s qqtft otr( sq1x-q Effiffi frkrqlT qltq, RRqHI, frer-qiit's-qs qtftTv

Frcf"rflffi q<( Tfi(ro:I fqqr ft&TiqK frqa qq-a {Ktt qll-+rs qr<
qls-qlfu a
). BAM LCO-<ETr{" Ffq'ffell{ AM L/CFT c\@']s {R"nqq fifus o-<"1
q. ra+trq/ffi/ts{ rr<{s/Shell Bank/UN c{"q-{.im <fu otz-qf ute-ownRqrnt qirst(
T-q-rfrRq- 6qtfr\5\ilfr-oB"-E rof+sfufqsf* c$1afu{T[ c{Ht
u. Kycq-"r{s-f,cc[qfro e tfs.Eqrrfrq-s-WT<.ififtuo-cr r qmrq-{>ilFF-s xv6 qr"rcsDqfi
8" Walk-in Customer q< Csrq\e Xy6 qfuqTry<tT-*t
c'.,{]-{scq-T dfr ft4* +-+t, Em ffi oq+rt< <rilm fots qs<fu (cDD & EDD) q{ffm s-{I
v. u N/<fqs]rh-f s<-srT $qo ffiq 6q]R-srq-{ ron Rqr</cq-+rn+ erffiE qco ur <m vm v-K
r

v.

CCUerFrsB cef{tfrfus-$
.rFrT-{ A M L/6 p1 qiois
{& fi{Kt s-fi \e ut q1{Kr"t qrql-eft-s <r<-qt cfit
EGfr ,{tqc-s-{ rq-{cq-{ Eefire qfiikq re-<'[ r qFq, qqFqqrl{ s t++-Uralr
qfi_+-s-{ e*g+<olrrl.fiF{n-<t r ts[qFrs cq-{rq-cffi qfurg rq-T 6qrl
.fl-qcs-{ EiE qET{ Bqpr< {kef sNqqit{ rO
+-{t, efffilqr{ qpfcsE s-{t

ffiuqn"]sqtcts-g|(<

frft{

c{drq-{

b.

)o'
)).
)t.

TP

Violation Report

4ffio-<"t

"iqq

qs]

srR s-<l=l cq'rq \o\eR qs<t r +1-q-"lfro.KFtre.fi-s frGrf{ frtrol q(Tffi-< qGs qE<(
q13q"i' S-fl s STR q{ (srq 6aff4fr5sf asr
M.H[ {t (,rst
STR qT E?f

ffi

"ffi

ffi

)c.

frr",lr o-fi, qdtq CTR ffifli cffr-fiT ,i':ffi sK- c$I-{ STR cflrli 6q-a5q{' {cQ
ftTifrrqTo.ca Structuring <qfrql\5T \e frfusRerl
FKfrp kflfrs. qsT s-<t, {e13t Agenda rzF?l-GF q-<fu s-f,t, C{q{.t{ frPf<h s-<t, Fr6ls

)s'

<mqf .!<\
AM L/cFT Rrr-s FRfrs

)8.

CTR/STR

Tltrffflffi

Fs

ffi ceiT tq1-{ qqalfu "f{frflD=[t T-<t

ffiT * A** ftqaqx qdEqrD-dT tfu <-<ql et-+t s-fl
r

{frEk
o) dl-ro "fkBfu
q\<s"f
s
v)
c<-s-6
afle"i
frr{rfil {)
KYC ?t) cq-{fi-q

aD :rcrqq-q-a.

cffirq-{ <t a.Ffeq Fks+-<"t s

)1.

Eqr{ {cVT fiLT.fFft <I{q["fc$-{ q-etqfuT Bqffi 4{1641v{t s-{t,

Tfi{EFqq GRs rerr Eqf< "fR"tt-qm {"fik'{ s6( \5t <19_{l{6lT <r<ql o-<t
{tfro/fr-{rfr-s/ffio FKfrs frr"flfqx ccum cE<"r fifus o-<t
fre:p-qlttE-{ fi(e'K, ffiffl, frqrrlT qt[a, qql-q. s]diq-6T{ M"Flc{q.flrl]-s x<scl s-fl
frer-qtQB{ qt{Et{,frd.FT,frq${ qfta,qqf{ oldfE'6T{ frm.Hiqx q?Frdm q-{rlfur q'lql
Setf Assessment s-<.K qx-s

)b.

ib.
ro.
q).

f.RI]-{ qrr{ qPH Rfts o-<r

.fFn-< q-s-{ fi-ftftffiftqr AML/CFT frlLT EFr'For {svl't frfusn-<t
a.e. Eiq/"-{ Rqr<,mo q\@ls q-$-E srlr, cTR,sTR q<\ qFis.6f q<@.ls c-<$\i trr-{-ET oa(ttu) <q<
qfiRT elk'||_{-{ q-s1 s 6qq5a1a 5s5-6
q(<E'6t n-rf r q-srsftt frft.rt/fr.{flqtttB re"f
qq<qqqfl
a.8. .fi"If{ A M L/6 p1 q=qfu q-<m olft;{ qE6K qlrql "fffis qoq :[d frfug. q\eTt
tsr$..$ enMlco-< qlT-qlfr-yq5 rlST{ {lEn1L<\B frr*s{ srt qrlrR r Ew ctfflr<-{ q-fl{6l \tr{$Re \c( at"R'o<I

tt.

EFK er{rr.( AM L/c FT frs,,{-r Frcr{E

rg c"rl$r<

"n*.

"l'lsf + rg

{tfrEvfR( E&r<K\TIt{

\o)\,r4mffiqt{

{fA&-r{#R tfl(qK q3 qt6ffi qfu

b). rqmtEfiffirqqlM{<l

\oob (qV.IF{ft \o)\ s qo)s{q)

eE:[|w:rlarl

qrqt vttfr( sff@ffitr 6.5aq-sfu fr ft- t

rFrffi{ fifgq <I qrsrB rT(fu. $-l-i4{ ffis <itqo UE T.Ff@E ,rffi{
e q-orfr otr{ qcfm-{ ffi fr-<u-+qca qrF sFfs-{ Rn-g"l <r<.qT a&fi sfrGr
6E-6 {'fffi
<rtirqr eon qr<Fffi-s {vrq 6{RIt{ slffi{ flM{ <I effi-f <rl\fu, old@{ "tffi
qrq $IM<i dffi q'ft4, qo>q <T q-qM ffi qlt{ , qoob q{ qrcuf{ qKfrffi
fr-c"fif dk-r{+-ft {l{t Rrcr{ wF qr{
rql-{ttq

cF <-rtroqffiffi{ 'rk'fl-crns-litTi rs M4i-EqtfrFuu$-f,f

q qrsrB <t sTl"f "f6Ttr frmfc'f* 6q6 4qtffi slult/Tffi SfunT (Screening
g

w{fficf S-{ll
erq-t <[ $lTt

"rcrt

Mechanism)

s q-orfr sRd qd|-r-{ frnr-f, $if@rq-{ q-{] q\BE

{fffi
-"..qqsfc<
qlrs]-{

<6k<r
bq. Asia Pacific Group (APG) on Money Laundering n ne&6vEs s {qqj'q(?tlTse- ?
e Asia pacific Group (ApG) )bb1 fim Eir6e qT q<'( sK <\frf{ rq-ry 6q-.t qrqt a>fr
be. Asia Pacific Group (APG) on Money Laundering q(el{l{Tlq'ft'fu
e ffi q-stkt e ryq1-6ry s'eRr-{ c{fsf6{EH FATF (< 80 {"ffk{ s qr q'k{ qqG .{clt sd
'Ikf,fl{f A-H{ g <lgd-srffiBrrylul cfE1'r
q qq'ql
6qlrq{-{ T-"F Tas qfi E-slR. {qIm qcfm-{ q:w q\@ts fficuf{ {qilffi
e {rfr E-srk s :ral-m wifu{ qxrn q-{q-{fu sid@T qqrf {qci 6q*lc{qcT "KN.f {Rr{l
c cqql 6q-.rqTEr$ B"l{s +-rc.'lr+< q-dl errrlqfu qFiw-c"r< qtcntq-{
s qrw' 6fl-q{qco ffiE q-qiT-sT elqlqr
b8. Egmont Group fi?
q q-ffiT qdru-q-< rersnefr FIU qK frrercq-T qisq-1es. cqrrlftst $< nrwi qrB mffi uif,q rr{ Tt
Egmont Group qlrT "fkGE
bc. Egmont Group+uqIcEtt0g.qr I
)bbc rlrE
b\e. Financiat Action Task Force (FATF)<-qcsfr{<|-l{ ?
q Financial Action Task Force (FATF) <fl esE qtsecq'Q-{ rRql Tt TIfr ss]R., qql-{ \e {rf"fs
KRctqs wcu< fr'W< qdm-+ Et\9G1{ Rrr-s qtssftBo {l{qs $t$[ T-6r
bl. Financial Action Task Force (FATF) or< ut$s qr I
c
)bbb qlffi
bb. FATF q mFr{F{,flRl<rlrq ?
e <6{1r{ FATF ,{( ffiE so fr nttkt <(TR | )bbb firE qi{B qt"6-s qs{K 'l{ )bbo cm TIfr
e-qk( q&rrtrq qeBfteo {f{qs RrTC< ao F qffi Eqm s-fi qs I qoo) qtE {s-{id vBl-<-q
q-sft qiT{r{ 'r<r Tqr-ffi sftffi ffi-< qfu esp qtc<tet Tr* FATF aotr ffi ev-rk. Ef',rf,t{
qflRrK {tc"f {qT6{ qdfsq Eerflr< qlrmt obF q"fik"l {s srr r frc.t< qltrs <KqlK fr*f"rq s
RBft-{-sf q< qtft-o q'f<l<r{Trq{ fr-rr6. cq.lflrEt q-{-qli. efqq fifuE s-fl.{ \oob c1-{ (cfcs
FATF qT q-<r{ (ao + b) {rfiR.Nffi ,RziffiD-{f qF +-c< et q<,ltq-rcsfm ECE \o)\ clrdK
obE fus Utk"nm :ilfr E-stk Et'rslm aotr qttRrtr atr+
c+e-xrkcs {qr6c qdm{
nr< <l rIfr q-ulk, lqH s <rlTr imqqIEls q-c6-{
efigo T.cr cqrnr aotr na6a Rmr<
crymr+ofA<fiq+-r<,-< S"fs

ffi

ffi

frglc-<q{xqqfurEf{frlr-oqisqleo{Hq-sftqm

ffilqr,

*o ,.

{tfrwtR( eGr*KqQT qo)Q., qEflqfrTlft\flqT \oob (rnr.ttqft \o)\ s qo)e}rq)

\e qI?tEs{l8K'TF({F q<qrFrrs efuqc$Er${t
I

.{{ W[k Fmft'fr I

e s FATF .{r 808 l"nk mr+ffi"r ,
q"nR.u, dFfrfu ,q<( {fr&fr-r+tfffi sq{
E&tr 6q-fm fi-e cqr"f{ flfr s-qk rg wqlrq qdtxq dF Gks-s-{.f, fr{T6t q<R q{{K{ T-fl
$tRrt-\ ' qlfr+ryqr{s xqmlftro[:
qffi cm"n GRs tfrq{cq{ xmww"i.f q.fR E-slR. s q-sl-c{ qdm-q qt\gr{k{ qlor ftfu{|st

bb . FATF

FKfrs

{'[R'f-e

: qtfr

T-*t s Eiqq-tffig.re-ic.TCt-<Wcqf q.:ITTS-fl

qvlft

er'=rcjsB

q"Ft<p

cq,lrs qeqW< fuTil

T1v' qef${cs'

ffi

s-{t.-\eTfi q{( ettrq-f,N'f $-{e-q-fi qT{tft

qstk(, qel<t< Rrqc< s-6Eo s-$

cTffi

qeff,K s

s qffisfft{lFr-{t

:
WttRt-e : <fcqrts
rK(rlq$-s'rffi
rs
<K"q\5 qcr(q <t <r{qs Esxt{ qqT {{RK o-<i qc-srq
{tfr E91k , {q.H TflelO
v.r s"Ks. n-v."tcn8"{-I{]T{ qfr{w <rfuT q'lw qqr{-{ TC{ rq-flfrre qlq.I qBs a1a1 qB-o) ..l
<<-r{3T {"{&<. mrgxlR <r[s-ats-$-{6f EfuTr Erq allsl
{rflfr.t-C : {qf6{qaftS{y,KK :
q-sft <lfu O qqtft qplrqrs qqlxE c+ffi qq;il{ Rmr< q-s-W
q-qtrry qdF-q .!(
"tFfl-"iift
I

n-<l
: >rEtl{
r

wftftf-s

1e

aqt6{q?fs{{(<;lst*fr6q{rEt:

qt&xrs-{ .dqrF^ I{rw<-s viFr<rly$ q-sft <ifu <r q-sK sRfiq <t q-{]"r{] q'-"m q<? <T qfts
<t efq-F Tl "r6ils-s].{ Et[r-?r rirq r{q-q-s] ql qr \5I frfus r-fl
: <rt'FF smqlqr qrqr frula qwtslqffi fi6q{|w'l :
<fi"rs <(qlqs qrq.< fr.st< q<\ q( qdwq r<l-ffi, q'{m q<( Ttr{Els o-+p qtBqRIT{ fi-sr"iE.l
r

$]fuf-l

qfilIq_{ C<BT{fi elkeir{-{ S-flT qCry qtfr-o firsTM'r <r+gt aRl o-rt
WftRt-u : g{Esafi:'Q&-&F :
q-qissr{s EeSErTq furgs114 {fu1{ q\e{ls ET ffi{ ruIm qdmrq <Kq\o qro dl {lm sI
frftien_*t
:
Wfffur-t <llqr <t qtffis ECfiffis 6epftaq-a
qrtr-s EfuSftffi c'tt"i+Tgl <mi3r fr{F cm FATF ,r< ntRt Tis-+lr6r-{ q-ql' E&<-{-s rt q3 \rt
r

ffi

frfuso-*r

{oilR.f-l" : Customer Due Diligence (CDD)q(qlsEallt(sct:

qfro Efr$Fq{cq c{{,t6q <I qq-flr{. rvq RrK ccl'lqt TI
Di I igen

ce (CD D) x@ls Eqf qR<*.or

ryltfr.t-)) , m+6q(<t"[

frfts

re-<6g.

qr<

!t{

c{ qql Customer Due

'

qftr-s-EBSEffi s-sj-sft,f e qs-(|&n q.-f,E rq;Kq-{ q1qlts \e-qT T:(olcrr oc i-R( c(Tsrt ss[m
$(9 om Banw +-v.ol-crn-{ q-{5gl6E 9 q<-+*l-q o-<t siu.
mful-)\ : Politically Exposed Persons (PEPs) :
wltrs Ef"6Hm Politically Exposed Persons (PEPs) ,{{R{K c{fqK mtqtstfr-o coo
rEffi{P
e< q&k.s & <fu prps fr-+ q-+rs $r< B{fu-{ +Y"ttw< q-$e fr6r
qnf< Eqq mrq Us ffi
FKfrs {F?R. $31-GI
{'ltR.l-)e : Tr<qq&(<Itqfu, '
qlffio Eir$f{rr qtsgfiqls omq"ifu( <lRft!. <'l qq]' rofq q-"r6 qf"rCffi 6q6E agfrE 6pp
r

ffiT

e( q&ks

qr.qlsrfrT

s t{tq

Eel, 6{-fl

allul + >u

{ffrqv|R( q&rlKqq{ \o)Q., 4qf{RrflftqQs \oob (xrffift \o)\

re a1affi :[|SK qffi q< qtal-m qq\o el-eglsfl5rtEl

\e

\o)s{q)

TftRt-ta . qd<r m{6Et{{l-{lv{rril :

cq {:ts {st qd, wda qmE-{ <t wd< RFrr c(@ls <r{clT
q-grlqqEts e< fi<m-1v Er q<( FATF q< n"ttktmt qRtqq
.s_flt
{'[R't-)a
{'[tRrt-)v

ryr@,
fi-sr-{ET qnRFcu TrR

srrl*ffir:

sstk( q<( Tqlm qdtr-q dF

qirur cqno

ffio
s-r<

GRs

1e

Ersirq

vl< o.tr$T

frftsq a<.r

{frr{

s$Fr EtErt{ q{ {Krcl qd c+rr"r< cxrc 1u-{io.tft q<( {RflrcIfr usm-{ qmiqftT s
q(<s.trc<T
EqT q<(

ot{

Gw

t{tq

d'1fr.t-)l , yqT "gq,sg"6frfu

fr-oluf< 6srq qlft-s EfuenqXq Qryfq 6rIl{K ffi;6e Qu5lemer Due

Diligence (CDD) e( q&ks qLstqfu s t{t{ Eq, q<\ 65Q-a qi3qci a-s1

gx

"tr-m< B"f<

qffiffi

WilRt-ru' ll-Effiqfr{er

q<\ Rfi-rq'flrtt rg
:
qqlcq
qdra-{
qlfts' Ef'cfirE TIfr e-etR. s
Eterrlrq fres rFfu{ eR{ T-<l
: Eu'{fta-ln cn f
'
FATF Frcq1}ts cqriqTcq-K <l&, qltqlts {sT q<\ qltr-s'Ee$lT{TR-< 4["r <l<rTtks qrDF#
qPH ,{<\ cqrl[q-rfir cs(E EDD qa r(K1xa frfti5 der Efu<Ts-r <r+gl c+*t
r

W[R{-ls

wflftf- \o r[*Is-{s 6a1-46qnffi:

:

{fuqsle o.K"FR .ol-{ cqEcm qrq-{q-"rc {c{ qm gt

tBfrcBfrr"nf o-+t

ffim

vtsw6.**

i.dfrrqq

{,[R.t-

\)

WttR.t-qq

: g3ffrFFrfitct q<\

6{-t{fu<st:

qlfrs' EteSkr-{ "tRu-i6rs', T{T-6[, Tffir]{ wq-qql-s cq-{6n-{ Rr"flf

<qe c+ffi s cq-\effire.ffqT cqrcoq-flfq& mFf qr<

: q-qffie&6'ns

q csrE

Cu

Du

e Di

Ii

sl eTfie

4f

p;ffift:

sto m e r

o-<cq

ge n

ce

(C

DD

) q< q&R-w EmFTftT .e

{,[R.F \o \-qffi qe$H o sfiffrft- q{iRr<i-{qt .

q(s-Gr cs'r{" cflm-{ qrqqq.{s qc{' qm El frftsHq srn firflE
WttR.t-qa' kq {s'F er1s. {ftaretft fi( "tev[ :

t{q

\o"lt c\Krnt T-{t

qttfr

cs]-{ et-ol-{

<r+qlo-<l

fttR't-rc

6q1-4 el-+1-{

{,[R.F \s

ffi s-sfk rg q-qi-c)T qdfa-cq <Kq\o qcs q.I 'IIcr q frlrr s-Fi+-{

?<{<izr{l*
<r+gtm<I

c-sf crq

o-<l

qp{Rflrettt .lR "tw[

qltfr <jrqf mE ffi

E-stk(

rTqtm sdfa-cq <I{.qs qcE

rg

{I

e||c<

q frlLT oFf$-{

: qtffiT qeSF{Wq{frTs{ t4<(rsyl=Kl-{:

q{<. E&Sf{-m fiT-6-{ o-*f< q-q, Bq-{s n-v."tT' m{ <Kql fo etfm C{ <r+ql <lrlt

W[fR.f-\l : ETF{Fr$tft{TN'f :
{tfr s-stR. s q-si-cq qdrsq Efvmt{ xots frRk{F qrfts Etrtt+ o-$ tR"nn-+ e e<
{fr?R( e sglaflaeffi-swds!-',-] afist
q,fiR.r-qu : g-v1flp E&SI{ s s"r"flftftffirfiTq-{ vgR<rH :
{tR rulR, s qq'rm qdtx-q Et'crrl{ T(@ls RRftTiT tRflEr+ <ld<q <tlH{, crlx"ffGo
I

e<\ frmsllqE-o <r+qt <Flt

'flsl# )b

{ffrqu|R( q&r*Kqtt{
s qra&-s'

qo)Q.,

qqHffiqt{

\oob (qqrffift qo)\ s qo)e{q)

qrql-Frfr$ q'fue[rtlsfl5rtql

Tl6tr{K{lr

{'rR.t- qb : Tlt{rtfust{qcntrEq'{i$FE' (FIU) :

{Ifr E-srRt( I\@'ts \ocBlfr q<R qrq-qq-{s c6Kq-q Rr"flf
rFffsE eiqlcffi qqr FIffi{
irBfrcq{ {Gffi <FII

.?Rr.

ff[qF-{f q<( el(ll$GE

{'[fuf- eo : gftq

,q<\\oqs$tft +.if+rrtr-ntRg :
{Ifr E-qfu. s {qt-cq q?Rx{. qi@ts q"l{t{ Eqrs-{ q$ {Rffi qttq qc<ptn-tft q\qt <re[
: qlQSefmFf q<(sqvsfftrst6srsll\5t:
Ttfr q-elRR, ry1s q"KK q<( {q'lm qdtl-+ Eqrs-< qqg E"r{s o-'e."lcm< ul v,qtg, fruL<
q<R q?FE s'ftq. eLTlsTftT q-$-{ qfr{ q<( ECef qr{6.f{ sT-sI <l'afl
q6gp1-E1ft

flfuf- o)

T[fr{- oq : *trvd Tflstft:

qtssftT'E-{&t q<( RrKK c{rfiFn-q-qq

<l'ctt

{r[fr.t-

eftDK

c{rc{ csH.tt

qql{/ffi{

<I{qt

ee , o1frqrffi1':

{Ifr EslR(, T19. q'l{K ,{<\ rrslc{ qdF-{ Eter{.K

q="|fu 4fr'qr51a qq{q.i' ap1-1

mfR.L e8 : tfltrur q<(M+':
qrq-e-{s cffKq-{ ffits<wt s firtffi. qr

T'Ff4rI-{

ot'ffiot

q<R, qq;-st

<r<q[<l'tII

yllfut-

cqrcr

{fiffi

fteTist Etffi q<\ fts-<rr cqrfr

oG:qffi;

{Ifr E-g.|k rg ryqIcc qcfi{-{ Et'rrf,l{ r14lv frRRTIT 'lR"n_{m <ld qrq ENlr ffir"i
T-if$r s qtTonfro qIr< mffi, fiE$fr <r qflqF-fl qffi ql-{Irt{ <rcqI <teff
1,,[R{- ee

qpsf&Tffi':
Kft&

,g

{qtq Efu-Tlr{ qr{

,.{TE

qq-{

q]RW qissfes frRfrrT{ "tk"mqqo-*t

1aIIR.[- eq ' 41-s-1fr-EqlEfrwqtret:

cqlrq
e-('lR(, T1s qelfl{ q<( }rqlm qdm-q qo'its Eqs, {NEt ,{<\ frEK
<iPrs <rlB-< ws, 4tq{.rs q<R qssl-r< qttfi qqm-q o-<t
{'llftrf-eb, a6-o1fr-E qffi {qffiv-t-qfu6qt| R, 1|ffiTrt${rdct :
.{o mrf{ qxc<t({{ cqfrTg w{f 6qr.f {.tfr Eg]R, TTs. q'i-<t{ q<\ {SrC{ qqflx-E <ie
tqo n'-"tn, qq qq-{rc'c{ Ucqrf <i"rq\o t'{WfiBEq <r qqro< irpfq'Eao Gk-rr qA-\%
q-q TlrsBTso-<K<r+ql<Flf

ffi

ffi{

mIR.f- ep 3 1ft frfrqs:

q&E

cqr.r< m'l-{ <-${ frqs qiVT {ffr

q-{C{l{'ii-dTE-s s qsel-r< s'6s-{ $-{f

s-qR

rg ryolm

qdiT{ q1o]g

qops1fr6q-{

frfirr

TIIR.f-a, : q-qifqi'qs6&-o w<mtfu :

q&E cqrR {tfr e-g.ift\, qas qeral{ q<\ {qE{ qdts+
{qT$ ws d-dTEs s qq-s1-54 qd-a-a a-s1

rRu;1s rrPrs <il[${

qissfies

"llvl *

lo