Date

The Manager,
Branch,
, Pakistan.
Dear Sir/Madam,
I request you to open an account with Meezan Bank Limited as specified hereunder.
Branch Code Account Number (For Bank Use Only)
Meezan Kids Club Associate (Less than 12 years)
Meezan Teens Club Associate (12 to 18 years)
Customer No.
Title of Account
( e.g. Kids/Teens full name (M), Guardians full name (G) )
(M),
(G).
Name
Address
Relation
Contact No.
Mailing Address
Address Type Residence Office Other (specify)
Operational Instructions Zakat Deduction
Singly

Yes No (Please submit Guardians valid affidavit)

Next of Kin
(Person/Next of Kin to be contacted in my Absence)
Personal Information
Full Name (as per BForm/CRC/CNIC)
Fathers/Husbands Name
Gender & Mothers Maiden Name
B Form/CRC/CNIC/Passport No.
Expiry Date (CNIC/Passport) e.g. 12-Sep-2007
Date & Place of Issue (Passport)
Date of Birth (dd-mmm-yyyy) e.g. 12-Sep-2007
Residential Address
Occupation
Religion
Name & Address of:
Email Address
Male
Female
Student Other
School/College
Kids/Teens Information Guardians/Parents Information
Business/Employer
Residential Status Parents Guardian Owned Rented
Housewife
Contact Number
Home Mob Home Mob
Office
Male
Female
Date - - Date
Date Date
Nationality & Country of Residence
Education Level
None Below Matric Matric
Below Graduate but above Matric
Illiterate Matric Intermediate
Graduate Post Graduate
Salaried Self Employed
Other
Other (specify) Other (specify)
- -
- -
- -
(To be signed/operated by Guardian only)
Particulars of Introducer (Optional)
Account No. Title of Account
Bank & Branch
Relation with the Applicant How long has the Applicant known the Introducer?
Name & P.A No. of Verifying with Round Stamp
(Introducers Signature)
Phone Banking Yes No
Meezan Kids/Teens VISA Debit Card Yes No
Statement Delivery Options (Select Only One)
Mailing Address Hold Mail Facility (Charges will be applicable as per Schedule of Charges)
E-statement E-mail Address
Existing Relationship with MBL
No Yes Account No. Branch City
I confirm having received a copy of the duly filled Account Opening Form and a copy of applicable Terms & Conditions with salient features in Urdu.
(a) Branch
Initial Deposit Deposit Slip No./Detail of Cheque
Personal Banking Officer (Name & Signature) Date
Input by (Name & Signature) Date
Authorized by (Name & Signature) Date
Operation Manager (Name & Signature) Date
Branch Manager (Name & Signature) Date
Remarks (if any)
(b) Centralized Account Opening
Received by (Name & Signature) Date
NADRA Verification: Verified ( ) Suspect ( ) Date & Initial
Account Authorized by (Name & Signature) Date
For Bank Use Only
Services & Facilities
(Charges where applicable will be applied as per SOC)
(Name to appear on VISA card - Max 20 characters)
SMS Alerts Service Yes No Mobile No.
-
Guardians Signature
Effective May 2012
Copyright 1433H - 2012, Meezan Bank Limited.
All Rights Reserved
Relationship
1. The relationship between the Bank and the Account Holder is based on Mudarabah principles where the Account Holder will act as
the Rab ul Maal (investor) and the Bank will act as the Mudarib (working partner) to invest or disinvest funds of the Accountholder in
Shariah Compliant businesses at it's sole discretion. The Bank may also participate in the business as an investor.
General
2. Meezan Kids Club Account and Meezan Teens Club Account are Pak Rupee based savings accounts in the name of the minor (the
Kid/Teen), which can be opened and operated by his/her Parents/Guardian/a person appointed by Court. The title of account shall be
Kids/Teens Name (MINOR), Guardian's Name (GUARDIAN) until the Kid/Teen attains majority, i.e. 18 years of age and 21 years
in case of Court appointed Guardian. Till that time, for the purpose of these Terms and Conditions, the Guardian will be treated as the
Account Holder and shall have all rights and obligations in respect of Kids Club Account/Teens Club Account whether the Minor attains
majority or not.
3. Meezan Kids Club Account is for Kids below the age of 12 years with special product features. While Meezan Teens Club Account
is for ages 12 years up till 18 years (21 years in case of Court appointed Guardian) with separate set of features. When the Kid reaches 12
years of age, the respective Guardian may request the Bank in writing (as per the prevalent Bank procedure) to change the status of the
Account to Meezan Teens Club Account to enjoy the benefits of the Teens Club Account, otherwise the Account status would remain
Meezan Kids Club Account irrespective of the Kid's age.
4. Latest features of Meezan Kids/Teens Club Account shall be available on product brochures and on the Bank's website www.meezanbank.com
and may be updated by the Bank at its sole discretion from time to time.
5. Profit will be announced monthly and shall be distributed on Gross Income level i.e. total income less direct expenses of the business.
The profit shall be calculated on daily product based on the profit sharing ratio and weightages. The profit sharing ratio and weightages
shall be announced maximum by the first day of the month for that month and these shall be available on the website of the Bank at
www.meezanbank.com and it can also be obtained from any branch of the Bank.
6.In the event of loss on either the capital or revenue account in respect of the business all investors shall share in such loss on a pro rata
basis proportionately as per their investments. In case loss is due to negligence or willful default of the Bank, Account Holders shall not
be liable to share loss.
7.The Accountholder shall be allowed to withdraw on cheque forms supplied by the Bank at the request of the Account Holder and the
Accountholder shall ensure safe custody of the cheque book and if for any reason there is inadequate balance or the Meezan Kid Club
Account / Meezan Teens Club Account is overdrawn, the Bank shall be entitled to dishonor any cheques drawn in the said Account without
being liable for any consequences arising thereof.
8. The Account Holder shall notify the Bank in writing of any Change/amendment/modification of the information and instructions and
representations provided by the Account Holder to the Bank in the Account Opening Form.
9.The Bank reserves the right, with 15 days notice to the Account Holder, to close the Account for any reason whatsoever. The Account
Holder shall return the Bank any unused cheques and VISA Card relating to the Account.
10. The Bank's Schedule of Charges as applicable from time to time shall be applicable on Meezan Kids Club Account and Meezan Teens
Club Account. The Guardian authorizes the Bank to debit their Accounts to recover all charges, fees or any other amounts overdrawn from
Meezan Kids Club Account and Meezan Teens Club Account.
11.The Bank may, without any further express authorization from the Account Holder, debit any account of the Account Holder maintained
with the Bank for commissions, taxes, Zakat.
12. For Meezan Kids Club Account and Meezan Teens Club Account, the Bank shall be entitled to act on the instructions received from
the Guardian named on the Meezan Kids/Teens Club Account Opening Form and accept the same as correct, accurate and duly authorized,
whether the Kid/ Teen on the Form continues to be a minor or not, unless the Bank receives written instructions from the Guardian
(in case Parents are Guardians) or a notice to the contrary from any appropriate authority/Court of law.
Terms and Conditions for Meezan Kids/Teens Club Account
Specimen Signature
Title of Account
Account Number
Guardians Signature
Minors Date of Majority
(dd-mmm-yyyy)
- -
Remarks
Branch Code
13. The Bank shall issue Account statements or make them available through Internet Banking to the Meezan Kids/ Teens Club Account
Holder semiannually or at such other intervals as required by SBP. The Account Holder will inform the Bank within forty five (45) days
of the date of the relevant statement of account of any mistake, discrepancy and/or error in the same otherwise the same would be
considered correct and accepted by the Account Holder.
14. Meezan Kids and Teens Club VISA Card (the Card) represents a Shariah Compliant Business entity and shall not be in any way
used for purchases of HARAM Products or Services (both locally and internationally). The Bank reserves the right to discontinue the
Card Service and/or business relationship with the Account Holder if non-compliance is encountered.
15. The Card shall only be used by the Account Holder and is not transferable. If the Account Holder authorizes anybody else to
use his/her Card including the Kid/ Teen (minor), despite this prohibition, then he/she will be exclusively responsible for any and all
risks and consequences; this includes usage of VISA Card at ATM and POS terminals by Kids/Teens.
16. In the event of loss or theft of the Card, the Account Holder shall immediately notify such loss or theft to the Call Center Department
of the Bank on such number as provided by the Bank for this purpose. If the Account Holder loses his Card overseas, he/she may either
follow the above procedure or report the loss through VISA Global Customer Assistance Service (VGCAS) helplines in the relevant
Country.
17. The Bank is also entitled to market its products and services to its existing Customers via the SMS and other channels.
18. The Account Holder acknowledges that SMS facility is dependent on the telecommunications infrastructure, connectivity and services
within Pakistan. The Account Holder accepts that the timelines of Alerts sent by the Bank will depend on factors affecting the
telecommunications industry. Neither the Bank nor its Service Providers shall be liable for non-delivery or delayed delivery of Alerts,
error, loss, distortion in transmission of and wrongful transmission of Alerts to the Account Holder.
19. The Account Holder shall not reveal Personal Identification Number (PIN) and Telephone Identification Number (TIN) to
anyone. The Account Holder's oral instructions identified by his/her correct Bank Account Number and TIN shall deemed to be proper.
Accordingly, the Bank shall be entitled to rely on any such instructions.
20. Any Meezan Kids Club Account and Meezan Teens Club Account remaining inoperative for a period of one (1) year shall be
designated as a Dormant Account. Debit/Credit of Bank generated transactions of money in the Dormant Account shall not reactivate
the Dormant Account. A Customer may have his/her Account(s) reactivated by making an application in writing to the Bank as per the
procedure/form provided by the Bank.
21. When the Kid/Teen attains majority i.e. 18 years of age (or 21 years in case of Court appointed Guardian), the respective Guardian
would request the Bank in writing (as per the prevalent Bank procedure) to close the Meezan Kids Club Account / Meezan Teens Club
Account and allow the Kid/Teen to open a new Account as a major to which the funds would be transferred from the Account to be
closed. The respective Kid/ Teen shall open a new Account (as a major), which he/she shall open and operate after completion of all
applicable formalities. The available balance in the Kids/ Teens Club Account would be transferred to the new Account.
22. In case of the death of the Guardian, any further operation in the Account will be permitted only in terms of valid certificate/letter/order
issued by a competent Court of law.
23.The Bank may from time to time revise and/or change any of these Terms and Conditions effective from the date specified by the
Bank. Such changes will either be notified to the Customer through mail of by affixing a notice to that for 15 days at a conspicuous place
within the Bank branches. However, any changes related to the provisions in 'Relationship between the Bank and the Customer' and
'profit payment mechanism' will be notified to the Customers at least 30 days prior to that effect. The amendments shall be notified to
the Customers via website of the Bank at www.meezanbank.com and Branch notice boards.
Governing Law
24. All funds deposited in the Meezan Kids/Teens Club Account shall be opened pursuant to this Application and all transactions in relation
thereto will be governed by the accompanying Terms and Conditions , Policies of Meezan Bank Ltd., and all laws, regulations, rules, decrees,
by-laws applicable to Meezan Bank Ltd. including regulations, directions and circulars, issued by State Bank of Pakistan and all amendments
that may be made from time to time provided that such laws do not contradict the Islamic Shariah. In case of any contradiction, the rules
of Islamic Shariah as per the directives of the Shariah Advisor/Shariah Supervisory Board of the Bank will prevail.
I/We declare and confirm that I/we have received, read and understood the Bank's Terms and Conditions governing Meezan Kids Club
Account and Meezan Teens Club Account which has been signed by me/us in acceptance thereof. I/We agree to observe and be bound
by the said Terms and Conditions and any changes, supplements or modifications thereto that may be made by the Bank from time
to time. I/ We acknowledge having received a copy of this Application Form including these Terms & Conditions.
Guardian's Name & Signature