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f¡a¡-03a) Time limit for rescheduling Continuous Loan:The loan account in which transactions may be made within certain limit and have an expiry date for fulladjustment will be treated as Continuous Loan:FrequencyFirstReschedulingSecondReschedulingThirdReschedulingClassified asSub-standardMaximum 12 (twelve)months from the date ofbeing classified as SubstandardMaximum 9(nine) monthsfrom the expiry date of 1strescheduling.Maximum 6(six) monthsfrom the expiry date of 2ndrescheduling.Classified asDoubtfulMaximum 9 (nine) monthsfrom the date of beingclassified as DoubtfulMaximum 6(six) monthsfrom the expiry date of 1strescheduling.Maximum 3(three) monthsfrom the expiry date of 2ndrescheduling.Classified asBad/LossMaximum 6 (six) monthsfrom the date of beingclassified as Bad/LossMaximum 3(three) monthsfrom the expiry date of 1strescheduling.Maximum 3(three) monthsfrom the expiry date of 2ndrescheduling.Conditions: During the rescheduled period all required principal and interest payments must be made.Rescheduled amount should be repaid in monthly installments. If the amount of defaulted installmentsis equal to the amount of 3(monthly) installments, the loan will be classified as Bad/Loss.b) Time limit for rescheduling Demand Loan:The loan which becomes repayable on demand by the bank is treated as Demand Loan. If any contingent orany other liabilities are turned to forced loan (i.e. without any prior approval asregular loan) those too will be treated as Demand LoansFrequencyFirstReschedulingSecondReschedulingThirdReschedulingClassified asSub-standardMaximum 9 (nine) monthsfrom the date of beingclassified as Sub-standardMaximum 6(six) months fromthe expiry date of 1streschedulingMaximum 3(three) monthsfrom the expiry date of 2ndrescheduling.Classified asDoubtfulMaximum 6 (six) monthsfrom the date of beingclassified as DoubtfulMaximum 3(three)months from the expirydate of 1st rescheduling.Maximum 3(three)months from the expirydate of 2nd rescheduling.Classified asBad/LossMaximum3(three)monthsfrom the date of beingclassified as Bad/LossMaximum 3(three)months from the expirydate of 1st rescheduling.Maximum 3(three)months from the expirydate of 2nd rescheduling.Conditions: During the rescheduled period all required principal and interest payments must be made.Rescheduled amount should be repaid in monthly installments. If the amount of defaulted installmentsis equal to the amount of 3(monthly) installments, the loan will be classified as Bad/Loss.c) Time limit for rescheduling Fixed Term Loan:The loan which is repayable within a specified time period under a prescribed repayment schedule istreated as Term Loan.Frequency Classified asClassified asClassified asFirstReschedulingSecondReschedulingThirdReschedulingSub-standardNot exceeding 18 (eighteen)months from the expiry date ofthe loan as mentioned in thesanction letter.Maximum 12 (twelve) monthsfrom the expiry date of 1strescheduling.Maximum 9(nine) monthsfrom the expiry date of 2ndrescheduling.DoubtfulMaximum 12 (twelve)months from the expirydate of the loan asmentioned in the sanctionletter.Maximum 9(nine) monthsfrom the expiry date of1st rescheduling.Maximum 6(six) monthsfrom the expiry date of2nd rescheduling.Bad/LossMaximum 9(nine)months from the expirydate of the loan asmentioned in thesanction letter.Maximum 6(six)months from the expirydate of 1strescheduling.Maximum 3(three)months from the expirydate of 2ndrescheduling.Qmj¡e f¡a¡-04

f¡a¡-04Conditions: During the rescheduled period all required principal and interest payments must be made.Rescheduled amount should be repaid in monthly/quarterly installments. If the amount of defaultedinstallments is equal to the amount of 6 monthly or 2 quarterly installments, the loan will be classifiedas Bad/Loss.d) Time limit for rescheduling for Short-term Agricultural and Micro-CreditFirst Rescheduling Repayment time limit for rescheduling should not exceed 2 (two)years from the expiry date of loan.Second Rescheduling Maximum 1(one) year from the date of 1st rescheduling.Third ReschedulingMaximum 6(six) months from the date of 2nd rescheduling.e) If the loan becomes default after third rescheduling, the borrower will be treated as a habitual loandefaulter and the bank shall not consider for further loan rescheduling.f) Loans sanctioned at Managing Director/Board of Directors level cannot be rescheduledwithout the approval of the Board of Directors. Loan sanctioned or approved below ManagingDirector level cannot be rescheduled without the approval of the Board of Directors or ExecutiveCommittee of the Board.At the time of placing the rescheduling proposal before the Board of Directors or Executive Committee, thebank shall apprise the Board or the Executive Committee, as the case may be, in details, implications of suchloan rescheduling on the income and other areas of the bank. Such appraisal reports should be placedbefore the Board of Directors or Executive Committee as an attached memo signed by theconcerned branch manager and Managing Director of the bank.03. DOWN PAYMENT OF TERM LOANS:a) Application for first time rescheduling will be taken into consideration upon receiving cashpayment of at least 25% of the overdue installments or 10% of the total outstanding amount of loan,whichever is less;b) Application for second time rescheduling will be considered upon receiving cash payment ofminimum 30% of the overdue installments or 20% of the total outstanding amount of loan, whichever isless.c) Application for rescheduling third time will be considered upon receiving cash payment ofminimum 50% of the overdue installments or 30% of the total outstanding amount of loan, whichever isless.d) The rate of down payments for Short-term Agricultural and Micro-Credit will be same as above.Explanation: If any loan is rescheduled for one time before issuance of this circular, the conditions setforth in this circular for second time rescheduling of such loans shall be applicable. Likewise, theterms for third time rescheduling as per this circular for rescheduling of any loan, which hasalready been rescheduled twice or more shall be applicable.04. DOWN PAYMENT OF DEMAND AND CONTINUOUS LOAN:a) If a Demand or Continuous Loan is converted into a Term loan, first rescheduling may take placeagainst down payment on the basis of loan amount in the following manner.Amount of Overdue LoanRate of Down paymentUp to Tk.1.00 (one) crore 15%Above Tk.1.00(one) crore and up to10%Tk.5.00(five) crore(but not less than Tk.15.00 lac)Above Tk. 5.00(five) crore 5%(but not less than Tk.50.00 lac)Application for rescheduling will be taken into consideration only after the amount for the downpayment is paid in cash as narrated in 01(c).Qmj¡e f¡a¡-05

f¡a¡-05b) If any Continuous or Demand Loan is rescheduled for the second time (first time after beingconverted partly or wholly into Term Loan) and the repayment installments are fixed, the application forrescheduling of such loans shall be considered upon receiving cash payment of minimum 30% of theoverdue installments or 20% of the total outstanding amount of loan, whichever is less. Similarly, for thirdrescheduling (second time after being converted partly or wholly into Term Loan) minimum 50% ofthe overdue installments or 30% of the total outstanding amount of loan, whichever is less, shall have to berepaid in cash.05. CLASSIFICATION AND INTEREST SUSPENSE OF RESCHEDULED LOANS:Rescheduled loans shall be classified by the bank, with appropriate provisions established, according to thepolicy incorporated in the Master Circular: Loan Classification and Provisioning (BRPD Circular No.07/2012). These classifications will be reviewed by Bangladesh Bank inspectors. However, regardless of theclassification category into which the loan is placed by the bank, a rescheduled loan will not be considered a"defaulted loan," and the borrower will not be considered a "defaulted borrower" as these terms are understoodin the context of section 27KaKa(3) [read with section 5(GaGa)] of the Banking Companies Act, 1991, unlesssuch loan has not been repaid after reaching the maximum number of allowable reschedulings.Interest accrued on rescheduled loans will be subject to the accounting treatment that is appropriate for theclassification category of the loan, according to the policy established in the Master Circular: LoanClassification and Provisioning (BRPD Circular No. 07/2012) just as if the loan had not been rescheduled.06. NEW LOAN FACILITY AFTER RESCHEDULING:a) The borrower whose credit facility has been rescheduled may avail a new loan facility or enhanceexisting credit facility subject to fulfillment of the following conditions:-i. The borrower must pay at least 15% of the “Outstanding Balance” (outstanding amount afterexcluding the down payment on rescheduling) to avail any further credit facility from therescheduling bank.ii. In case of borrowing from other banks, the same rule will be applicable, i.e. the borrower must payat least 15% of the “Outstanding Balance” (outstanding amount after excluding the down payment onrescheduling), then, will be allowed to take regular facility from other banks subject to thesubmission of No Objection Certificate (NOC) from the rescheduling bank or financial institution.b) Exporters may be granted further credit facility (after being identified as not-a-willful defaulter), ifrequired, subject to settling at least 7.5% of the “Outstanding Balance” (outstanding amount after excludingthe down payment on rescheduling). They will be allowed to take the regular facility from other Bankssubject to the submission of a NOC from the rescheduling bank or financial institution.c) Prior approval of Bangladesh Bank shall have to be obtained if the loan is related to the director of anybank.d) Information on such rescheduled loan accounts shall be reported to the Credit InformationBureau (CIB) of Bangladesh Bank.e) While reporting to the CIB, the rescheduled loans/advances should be shown as RS-1 for first timerescheduling, RS-2 for second time rescheduling and RS-3 for third time rescheduling. If reschedulingfacility is availed through interest waiver, reporting should be RSIW-1 for first time rescheduling, RSIW-2for second time rescheduling and RSIW-3 for third time rescheduling.f) Number of rescheduling should be mentioned in the sanction letter as well as in the date column ofsanction/last renewal/rescheduling in the basic CL form as RS-1/RS-2/RS-3 or RSIW-1/RSIW-2/RSIW-3.Qmj¡e f¡a¡-06

f¡a¡-0607. SPECIAL CONDITIONS FOR LOAN RESCHEDULINGa) If a loan account of an export-oriented garments industry or knit garments factory becomes adverselyclassified due to stock lot, the loan may be rescheduled without the required down payment. However, thesales/export proceeds from the stock lot must be used to repay the loan. If any such loan account remainsunadjusted even after repaying the loan with sales/export proceeds of the stock lot, the loan may berescheduled without the required down payment based on recovery probability and banker-customerrelationship.The above mentioned facilities will not be applicable to forced loan, project loan or term loan in this sector.Only such forced loans, which are backed up with stock lot may avail such facilities.After rescheduling, new loan facility or loan expansion application will be considered only after paying atleast 7.5% of the “Outstanding Balance”. New loan facility from other banks is subject to the obtaining ofNOC from the rescheduling bank.b) If a loan account of fertilizer importers becomes adversely classified due to delay in government subsidyreceipts and payment of subsidy bill, the loan may be rescheduled without the required down payment.However, the receivable government subsidy must be used to repay the loan. If any such loan accountremained unadjusted even after repaying the loan with a government subsidy, the loan may be rescheduledwithout the required down payment on the basis of recovery probability and banker-customer relationship.c) For rescheduling as above no prior approval of Bangladesh Bank will be required; unless there is arequirement from Bangladesh Bank in the context of large loan or related to the director of the bank.08. RESTRICTION ON EXTENDING THE TERM TO MATURITY OF A TERM LOAN:The term to maturity of a term loan may be extended subject to the following conditions and restrictions:a) The loan must be performing ( Unclassified: Standard or SMA )b) The decision should be made at the level where the loan was originally sanctionedc) The maturity date may be extended by a period of time not exceeding 25% of the current remainingtime to maturityThis policy shall come into force with immediate effect and the applicability of BRPD Circular No.01 datedJanuary 13, 2003, BRPD Circular No.04 dated April 7, 2005, BRPD Circular No.02 dated February 14,2006, and BRPD Circular No.03 dated March 19, 2006 will be considered as void.Please acknowledge receipt.Yours sincerely,(Md. Anwarul Islam)Deputy General ManagerPhone: 7120377Ae¤Üªaxh¡wm¡−cn hÉ¡w−Ll E¢õ¢Ma p¡L¥Ñm¡−l fËcš ¢e−cÑne¡ Ae¤k¡u£ GZ f¤exag¢p¢mLl−Zl e£¢aj¡m¡ fÐeue L−lfoÑ−cl pcu Ae¤−j¡c−el SeÉ EfÙÛ¡f−el fl foÑ−cl 05/08/2012 a¡¢l−Ml 889-aj pi¡u GZf¤exag¢p¢mLl−Zl ¢e−jÀ¡š² e£¢aj¡m¡ Ae¤−j¡¢ca quz"""" GZ f¤exag¢p¢mLl−Zl e£¢aj¡m¡−L¡e GZ ®Mm¡f£ qJu¡l fl GZ¢V Bc¡−ul m−rÉ NË¡qL−L ®rœ¢h−n−o naÑp¡−f−r GZ¢Vf¤exag¢p¢mLl−Zl p¤−k¡N ®cJu¡ ®k−a f¡−lz1z f¤exag¢p¢mLl−Zl B−hce ¢h−hQe¡L¡−m LlZ£u xf¤exag¢p¢mLl−Zl B−hce ¢h−hQe¡L¡−m pw¢nÔø pLm−L ¢e−jÈ¡J² ¢e−cÑn¡hm£ Ae¤ple Ll−a q−hx(L) GZNËq£a¡l ¢euÖœe h¢qiÑä L¡l−e pªø ®L¡e fË¢aL¥m f¢l¢Øq¢a−a GZ¢V kb¡pj−u f¢l−n¡¢da e¡ q−m k¢cf¤exag¢p¢mLl−Zl g−m GZ¢V Bc¡−ul pÇi¡he¡ b¡−L aMeC f¤exag¢p¢mLl−Zl B−hce ¢h−hQe¡ Ll¡k¡−hz NË¡q−Ll GZ f¢l−n¡d Ll¡l ja B¢bÑL pwN¢a e¡ b¡L−m Abh¡ pÇf¤ZÑ GZ Bc¡−u p−¾cq b¡L−m ®p−r−œRoutine Rescheduling Hhw h¡l h¡l f¤exag¢p¢mLl−Zl fËhZa¡ AhnÉC f¢lq¡l Ll−a q−hz Ae¤vf¡cen£mM¡−al ®L¡e GZ Abh¡ Evf¡cen£m M¡−al Am¡iSeL hÉhp¡ fË¢aù¡−el e¡−j Ae¡c¡u£ GZf¤exag¢p¢mLl−Zl B−hce ¢h−hQe¡ Ll¡ k¡−h e¡za−h ®L¡e hÉ¢aH²jS¢ea f¢l¢Øq¢a−a H dl−el GZ f¤exag¢p¢mLl−Zl BhnÉLa¡ b¡L−m a¡l®k±¢J²La¡ a¥−m d−l fËd¡e L¡kÑ¡m−ul f§h¡Ñe¤j¢a NÊqe p¡−f−r f¤exag¢p¢mLl−Zl B−hce fТœ²u¡Lle Ll¡−k−a f¡−lzQmj¡e f¡a¡-07

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