Loan Products of The City Bank Limited The City Bank Limited (CBL) has a diverse portfolio of loan

products. A brief description of the loan products of CBL is given below. 1.Retail lending products: 1.1 Any purpose personal loan Any purpose personal loan for any credit worthy individuals like salaried executives, self employed professionals and businessperson Loan Amount Tenor Rate of Interest Processing Fee Collateral Tk 50,000 to Tk 10 Lac 12 to 60 months 18% p.a. 1% of loan amount No Collateral

1.2 Auto Loan Auto Loan for any credit worthy individuals like salaried executives, self employed professionals and businessperson. Loan Amount Tenor Rate of Interest Processing Fee Collateral Tk 3 lac Tk 20 Lac 12 to 60 months 16% p.a. 1% of loan amount Fixed Deposit with The City Bank Ltd (CBL)/other schedule banks and NBFIs Savings schemes with CBL Wage Earners Development Bond ICB Certificates

1.3 Home Loan Any purpose personal loan for any credit worthy individuals like salaried executives, self employed professionals and businessperson. Loan Amount Tenor Rate of Interest Processing Fee Collateral Tk 3 lac Tk 1.00 crore 1 year t25 years 16.5% p.a. Loan processing Fee Up to 1500K 2.% of the Loan amount More than 1500K 1.5% of the Loan amount Mortgage of property

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1.3 City Scholar City scholar is a unique education loan offered to fund higher studies not only in Bangladesh but also abroad. It offers up to 95% of you fixed deposit value as student loan or up to tk.10 lac on purely collateral-free basis. Un-secured Loan Loan Amount TK. 50,000.00 to Tk. 10,00,000.00 (up to 80% of the admission fee + tuition fee + semester fee +other fees as stated by the educational institutions + living/lodging expense + traveling expense.) 12 months to 60 months 18% p.a. 1.5% of the loan amount

Tenor Rate of Interest Processing Fee Secured Loan Loan Amount Tenor Rate of Interest Processing Fee

Any amount equivalent to 95% of the FD Amount. Only The City Bank Limiteds Fixed Deposit is acceptable. 12 months to 60 months FD rate +3% P.A. Up-to Tk.500K -Tk.1,000 Above Tk.500K to Tk.1,000K -Tk.1,500 Above Tk.1,000K- Tk. 2,000

Collateral

Fixed Deposit

1.4 City Double Loan City Double is a unique loan facility where two loans at the same time are offered to the customer based on his/her fixed deposit in The City Bank Ltd or in any other financial institution Loan Amount Tenor Rate of Interest Processing Fee Collateral Tk. 10 Lac 12 months to 60 months FD rate +3% to 5% P.A. Zero processing fee Fixed Deposit

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1.5 Credit Card Cards Name Visa Card Silver (Local) Visa Card Silver (International) Visa Card Gold (Local) Visa Card Gold (International) Limit Tk. 10,000.00-Tk. 49,999.00 Tk. 10,000.00-Tk. 49,999.00 USD 100-999 Tk. 50,000.00-Tk. 5,00,000.00 Tk. 10,000.00-Tk. 49,999.00 USD 1000-3000 Interest Rate 28.50% 28.50% 28.50% 28.50%

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2.Corporate & SME loan: The major SME & Corporate loan products are as follows:
2.1 Muldhan Installment loan

Loan Amount Tenor

Tk. 9.5 lacs to Tk. 40.00 lac

Working capital financing: maximum 3 years. & Renovation of work place financing: Maximum 3 years. Working capital financing: maximum 4 years. & Renovation of work place financing: Maximum 4 years. 17.00% p.a. with 20% margin 17.50% p.a. without margin

Rate of Interest Processing Fee Collateral

Zero processing fee

Incase of proprietorship concern two personal guarantees (spouse/ family members & 3rd party) to be obtained. In case of 3rd party guarantee need occupation verification (Trade License) and relation with the applicant. RM has to ensure & verify that guarantor has been well informed of the responsibilities as guarantor(Bangla format to be introduced). Incase of partnership concern personal guarantees [spouses /family members & 3rd party] to be obtained 3rd Party Guarantee: Existing borrower of the bank cannot be taken as Guarantor. Guarantor of the existing loan is not allowed to take loan from the bank, unless his or her personal guarantee is replaced by another eligible guarantor upon approval of Head Office PDC [Post Dated cheque] for 3 (three) installment and 01(one) UDC [Undated cheque] for the full amount of the loan including full interest. Fire & flood insurance is mandatory on inventory & other associated assets of the business. For waiver of flood insurance clause, center to provide strong justification in the application/CM. Hypothecation on fixed or floating asset and on the purchased fixed assets of the business

2.2 Muldhan Revolving loan

Loan Amount Tenor

Variable
1year; matched on the basis of the trade cycle of the customer assessed by the bank on the basis of the declaration given by the customers. 17.00% p.a. with 20% margin 17.50% p.a. without margin

Rate of Interest

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Processing Fee Collateral

1 % of loan amount with maximum Tk. 20,000 Incase of proprietorship concern two personal guarantees (spouse/ family members & 3rd party) to be obtained. In case of 3rd party guarantee need occupation verification (Trade License) and relation with the applicant. RM has to ensure & verify that guarantor has been well informed of the responsibilities as guarantor(Bangla format to be introduced) Incase of partnership concern personal guarantees [spouses /family members & 3rd party] to be obtained 3rd Party Guarantee: Existing borrower of the bank cannot be taken as Guarantor. Guarantor of the existing loan is not allowed to take loan from the bank, unless his or her personal guarantee is replaced by another eligible guarantor upon approval of Head Office 01(one) UDC [Undated cheque] to be obtained Fire & flood insurance is mandatory on inventory & other associated assets of the business. For waiver of flood insurance clause, center to provide strong justification in the application/CM. Hypothecation on fixed or floating asset and on the purchased fixed assets of the business

2.3 Muldhan FACTORING

Loan Amount Tenor Rate of Interest Processing Fee Collateral

BDT in lacs : 5, 7, 9, 12, 15, 18, 20, 25, 30, 35, and 40. Max 45 days 17.00% p.a.

1 % of sanctioned amount In case of proprietorship concern two personal guarantees to be obtained. _ First one from family members [Parents /adult children / Spouse/ income generating brother or sister {in that case their Income(only business or service) will have to be verified by CPV}] _ Second one from businessmen / Gazetted or equivalent gazetted officer/ At least AVP of commercial banks.

2.4 Sheba Installment loan

Loan Amount Tenor

BDT 9.5 to BDT 40 lacs Working capital financing: maximum 3 years, Fixed asset financing: maximum 3 years & Renovation of work place financing: Maximum 3 years. Working capital financing: maximum 4 years. & Fixed asset financing: Maximum 4 years. 17.00% p.a. with 20% margin 17.50% p.a. without margin

Rate of Interest Processing Fee

1 % of loan amount with maximum BDT 20,000

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Collateral

Incase of proprietorship concern two personal guarantees (spouse/ family members & 3rd party) to be obtained. In case of 3rd party guarantee need occupation verification (Trade License) and relation with the applicant. RM has to ensure & verify that guarantor has been well informed of the responsibilities as guarantor(Bangla format to be introduced) Incase of partnership concern personal guarantees [spouses /family members & 3rd party] to be obtained 3rd Party Guarantee: Existing borrower of the bank cannot be taken as Guarantor. Guarantor of the existing loan is not allowed to take loan from the bank, unless his or her personal guarantee is replaced by another eligible guarantor upon approval of Head Office PDC [Post Dated cheque] for 3 (three) installment and 01(one) UDC [Undated cheque] for the full amount of the loan including full interest. Fire & flood insurance is mandatory on inventory & other associated assets of the business. For waiver of flood insurance clause, center to provide strong justification in the application/CM. Hypothecation on fixed or floating asset and on the purchased fixed assets of the business

2.5 Shulov Installment

Loan Amount Tenor

BDT 9.5 to BDT 40 lacs Working capital financing: maximum 3 years, Fixed asset financing: maximum 3 years & Renovation of work place financing: Maximum 3 years. Working capital financing: maximum 4 years. & Fixed asset financing: Maximum 4 years. 17.00% p.a. with 20% margin 17.50% p.a. without margin

Rate of Interest Processing Fee Collateral

1 % of loan amount with maximum BDT 20,000 Incase of proprietorship concern two personal guarantees (spouse/ family members & 3rd party) to be obtained. In case of 3rd party guarantee need occupation verification (Trade License) and relation with the applicant. RM has to ensure & verify that guarantor has been well informed of the responsibilities as guarantor(Bangla format to be introduced) Incase of partnership concern personal guarantees [spouses /family members & 3rd party] to be obtained 3rd Party Guarantee: Existing borrower of the bank cannot be taken as Guarantor. Guarantor of the existing loan is not allowed

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to take loan from the bank, unless his or her personal guarantee is replaced by another eligible guarantor upon approval of Head Office PDC for three installment and 1 Undated cheque for the full amount of loan including full interest Fire & flood insurance is mandatory on inventory & other associated assets of the business. For waiver of flood insurance clause, center to provide strong justification on the purchased fixed asset & purchased fixed asset of the business Hypothecation on fixed or floating asset and on the purchased fixed assets of the business.

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