Trust Bank Limited is one of the leading private commercial banks having a spread network of 63 branches, 7 SME centers,

60 ATM Booths and 48 Branch POS across Bangladesh and plans to open more branches to cover the important commercial areas in Dhaka, Chittagong, Sylhet and other areas in 2011. The bank, sponsored by the Army Welfare Trust (AWT), is first of its kind in the country. With a wide range of modern corporate and consumer financial products Trust Bank has been operating in Bangladesh since 1999 and has achieved public confidence as a sound and stable bank. In 2001, the bank introduced automated branch banking system to increase efficiency and improve customer service. In the year 2005, the bank moved one step further and introduced ATM services for its customers. Since banks business volume increased over the years and the demands of the customers enlarged in manifold, our technology has been upgraded to manage the growth of the bank and meet the demands of our customers.

In January 2007, Trust Bank successfully launched Online Banking Services which facilitate Any Branch Banking, ATM Banking, Phone Banking, SMS Banking, & Internet Banking to all customers. Customers can now deposit or withdraw money from any Branch of Trust Bank nationwide without needing to open multiple accounts in multiple Branches. Via Online Services and Visa Electron (Debit Card), ATMs now allow customers to retrieve 24x7 hours Account information such as account balance checkup through mini-statements and cash withdrawals. Trust Bank has sucessfully introduced Visa Credit Cards to serve its existing and potential valued customers. Credits cards can now be used at shops & restaurants all around Bangladesh and even internationally. Trust Bank is a customer oriented financial institution. It remains dedicated to meet up with the ever growing expectations of the customer because at Trust Bank, customer is always at the center. MISSION & Vision

Vision We aim to provide financial services to meet customer expectations so that customers feel we are always there when they need us, and can refer us to their friends with confidence. We want to be a preferred bank of choice with a distinctive identity. Mission Our mission is to make banking easy for our customers by implementing one-stop service concept and provide innovative and attractive products & services through our technology and qualified human resources. We always look out to benefit the local community through supporting entrepreneurship, social responsibility and economic development of the country. Positioning statement Trust Bank is a contemporary, upbeat brand of distinctive quality of service and solution that offers a rewarding banking experience as preferred choice of banking partner every time, every where. Our Value

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Trustworthy Dependable Reliable Professional Dynamic Fair

Training

Human Resource Development (HRD) Human Resources Development is focused on recruitment and in-house training for both on the job and off the job Bank staff members through the Banks Academy. Trust Bank Limited Academy is one of well equipped institutions in the private sector was conceived of as an in-house training center to take care of the training needs of the Bank internally. Academy is fully equipped with a professional library, modern training aids and professional faculty. Library has different books on banking, economy, accounting, management, marketing and other related subjects. Main training activities consists of in-depth foundation programs for entry level Management Trainees. Specialized training programs in the

areas like general banking, advance, foreign exchange, information technology, marketing and accounts etc. are also organized by the Academy depending on need. Frequently outreach programs are organized to meet demand for new and specialized skills. Since its inception Academy has not only conducted courses, workshops and seminars as required by the Bank, but it has also organized training programs abroad for the officials. The academy also re-design its courses, programs etc, regularly to meet the requirement of new skills arising out of various directives, guidelines of the Central Bank and significant changes in the banking sector from time to time. In addition the IT & Card Division offers the following training activities for its employees: SOFTWARE TRAINING Core Banking Solution (Head Office and Branch Level)
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Software Bug Searching (Business Team) In-house Developed Applications Training Real Time Problem Solution

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NETWORK TRAINING Branch Network Support IP Phone Maintenance Internet Communication Anti Virus Update and Maintenance E-mail Server Admin HARDWARE TRAINING Basic Hardware Setup Training CARD DIVISION TRAINING All Visa Related Training International Visa Compliance Internal Credit Card Marketing
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MERCHANT BANKING

The capital market is an intermediation through which the surplus money of the society can be mobilized and then channeled into productive investments with the eventual aim of fostering development of the country's economy. Capital market is also beneficial for the entrepreneurial classes not merely because it provides access to surplus savings of investors, including many small ones, but also

because they do not incur fixed repayment obligations, as is the case of bank financing. Besides an orderly and transparent capital market enables the small savers to participate in the fruits of economics development. Capital market is yet to play its potential role in Bangladesh. Difference Between Merchant Banking And Investment Banking In olden times, merchant banks were also known as "accepting and issuing houses" in the U.K. and "investment banks" (IB) in the USA. Except of this distinction in nomenclature, there is no essential functional difference between them. CURRENT DEPOSIT ACCOUNT

Current Deposit Account is the net flow of current transactions with no restriction, including services and interest payments. It is an easy-to-use, convenient current account with instant access and withdrawals to your money anywhere in Bangladesh. Types of Current Deposit Account:

Individual, Joint Proprietorship Partnership Club, Society, Trust, Autonomous Body, Govt. Deptt., Directorate etc. Rules of Current Deposit Account : 1.A minimum initial deposit of tk. 5000/- shall be required for opening a Current Deposit Account. 2.Withdrawal of money by the customer from the account shall be allowed only through the leaves of the cheque book issued by the Bank. 3.Signature of the customer on the cheque leaf for withdrawal of money shall have to be tallied with the specimen signature recorded with the bank. 4.Payment, in no way, shall be allowed against advance / post dated and torn cheque. 5.The statement of account as furnished by the Bank shall be presumed as correct, if no

objection to the same is raised by the customer within a week of receipt of the statement. 6.Bank shall accept order of the customer for stop payment of a cheque and exercise utmost care for meticulous compliance of the said order. But Bank shall not be made liable / responsible, if the said order remains unnoticed inadvertently. 7.Bank may, at the instruction of the customer, collect proceeds or money of the cheque etc. for credit into the account but the same shall be accomplished at the risk and responsibility of the customer. Bank shall always take efforts for early collection but shall not be responsible for any delay or loss, if caused in the process of collection. Cheque/instrument will require to be crossed by the customer before depositing the same in the account. No withdrawal will be allowed against any proceeds not yet collected. 8.Bank shall take maximum care and remain alert to record exactly all the transactions of both

credit and debit in the ledger with no fault. However in case of any mistake/lapse Bank shall reserve the right to rectify the same and recover the money from the customer without any reference/notice to the customer. Bank shall not be made liable for any loss/inconveniences caused to the customer due to such error/mistake/lapses. 9.Bank shall charge incidental expenses and recover the same from the account once after every 6(six) months for maintenance of the account. In case of closure of any account within six months from the date of opening of the same, Bank shall deduct TK. 50/- from account prior to its closure. 10.Any change/alteration of address/constitution of the customer must be intimated to the bank forthwith. In the matters relating to mailing and remittances, Bank shall consider the post office and other courier agencies as representatives of the customer and the Bank shall not be

responsible for any delay or nondelivery of mails or remittances served through such agents. 11.Receipt against any cheque/money/instrument/book securities duly signned by the authorised official of the Bank shall be considered as legal one 12.Bank shall reserve absolute right to alter/amend its own rules, regulation as well as rate of interest. This revised rule/rate of interest shall be applicable upon the customer forthwith. Bank will, as per Govt. directives/ notification, realise VAT/ Advance Income Tax/development surcharge/other levy at fixed rate at the end of each calender year on the basis of balance of 30th december or otherwise as decided by the Govt. from time to time. 13.Bank shall reserve the right to close down any account, if the operation of the same appears to be unsatisfactory. Moreover, Bank may close any account on other genuine grounds without assigning reason thereof.

Requirements to apply for Current Deposit Account Individual, Joint: Following papers / documents are to be required for opening an account in the Individual / Joint name :2 (Two) passport size photographs duly attested by the introducer
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Passport / Identify card / Employers certificate / Word comissioner certificate Introducer Proprietorship: Following papers / documents are to be required for opening an account in the Proprietorship name :Introducer who maintaining an A/C with this Branch 2 (Two) passport size photographs in each name duly attested by the introducer

Valid Passport / Identify card (For Deffence personnel) / Word comissioner certificate in each name

Initial deposit minimum 500/-for opening a new A/C Declaration of Proprietorship Trade license from Municipality TIN & VAT Certificate Mandate if operation by 3rd party is to be allowed. Account agreement form Partnership : Following papers / documents are to be required for opening an account in the Partnership name :Introducer who maintaining an A/C with this Branch 2 (Two) passport size photographs in each name duly attested by the introducer Valid Passport / Identify card (For Deffence personnel) / Employers certificate / Word comissioner certificate in each name

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Initial deposit minimum 500/-for opening a new A/C

Photocopy of partnership deed registered with registrar of firm duly attested by notary public Trade license from municipality TIN & VAT certificate Photocopy of registration certificate duly attested by Notary Public in case of registered firm Account agreement form Letter of partnership duly signed by all the partners, in case of non-registered firm Resolution signed by all the partners to open the A/C Club, Society, Trust, Autonomous Body, Govt. Deptt., Directorate etc:

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Photocopy of Registration certificate certified by Chairman/Secretary Copy of constitution/ Bye Laws of the Club/ Society/ Association duly certified by Chairman/ Secretary. Certified copy should also be verified with the original by concerned Bank Officials under seal and signature

Resolution of the managing committee/ Executive Committee authorizing opening the A/C with the

Bank naming the persons who will operate the A/C

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List of Members of Managing Committee/ Executive Committee duly certified by Chairman/ Secretary. SAVINGS DEPOSIT ACCOUNT A Saving Bank account (SB account) is meant to promote the habit of saving among the people. It also facilitates safekeeping of money. In this scheme fund is allowed to be withdrawn whenever required, without any condition. Hence a savings account is a safe, convenient and affordable way to save your money. Bank also pays you a minimal interest for keeping your money with them. Choose the savings account to suit you from our wide range of options.Enjoy convenient, instant access to your savings account at your branch, over the phone or via the internet. These accounts have attractive interest rates. Types of Savings Deposit Account: Individual Joint

Club Society Others Rules of Savings Account 1.A. Any person/persons of the age of majority and sound mind can open account single or jointly. The balance shall be payable to him/her/them or the survivor of the joint account. A guardian can open such account on behalf of a minor. B. Clubs, Societies and other similar organisations can open such account on production of their Bye-Laws, Articles of Association, and resolution thereof. C. Introduction is necessary while opening Savings Account 2.No one shall be allowed to open more than one Savings Bank Account in the same name into a particular branch.

3.Every Savings Bank Account shall have a separate account number. 4.Withdrawl of cash shall be allowed only through the leaves of the cheque book supplied by the Bank. 5.A minimum initial deposit of TK. 500/- shall be rquired for opening Saving Bank Account. 6.Interest payable on daily/minimum balance shall be credited in June and December every year. 7.The interest rate is 6%. 8.The bank will, as per Govt. directives, realise all taxes/ surcharges/ levies at fixed rate annually or otherwise as decided by the Govt. 9.Signature of the Client on cheques fro withdrawal of money must tally with the specimen signature recorded with the Bank.

10.In case of closure of any account within 6months from the date of opening of the same, the bank shall deduct TK. 50/- from the account as closing charge. 11.The bank reserves the absolute right to alter/amend these rules of Saving bank Account as well as rate of interest from time to time. 12.The Bank reserves the right to close any account if the operation appears to be unsatisfactory or on other genuine grounds without assigining any reason thereof Requirements to apply for Savings Account Individual: Following papers / documents are to be required for opening an account in the Individual / Joint name :2 (Two) passport size photographs duly attested by the introducer

Passport / Identify card / Employers certificate / Word comissioner certificate Introducer Joint: Following papers / documents are to be required for opening an account in the Individual / Joint name :2 (Two) passport size photographs duly attested by the introducer Passport / Identify card / Employers certificate / Word comissioner certificate Introducer Club: Photocopy of Registration certificate certified by Chairman/Secretary Copy of constitution/ Bye Laws of the Club/ Society/ Association duly certified by Chairman/ Secretary. Certified copy should also be verified with the original by concerned Bank Officials under seal and signature

Resolution of the managing committee/ Executive Committee authorizing opening the A/C with the

Bank naming the persons who will operate the A/C

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List of Members of Managing Committee/ Executive Committee duly certified by Chairman/ Secretary Society:

Photocopy of Registration certificate certified by Chairman/Secretary Copy of constitution/ Bye Laws of the Club/ Society/ Association duly certified by Chairman/ Secretary. Certified copy should also be verified with the original by concerned Bank Officials under seal and signature

Resolution of the managing committee/ Executive Committee authorizing opening the A/C with the Bank naming the persons who will operate the A/C

List of Members of Managing Committee/ Executive Committee duly certified by Chairman/ Secretary Others : Photocopy of Registration certificate certified by Chairman/Secretary

Copy of constitution/ Bye Laws of the Club/ Society/ Association duly certified by Chairman/ Secretary. Certified copy should also be verified with the original by concerned Bank Officials under seal and signature

Resolution of the managing committee/ Executive Committee authorizing opening the A/C with the Bank naming the persons who will operate the A/C

List of Members of Managing Committee/ Executive Committee duly certified by Chairman/ Secretary