It is fully non-discretionary portfolio account where the investor(s) will operate this account at his/their own discretion. The Portfolio Manager (TBL) will provide required counseling in this regard and ensure all management services related to the account as per securities rules.

We have three types of products under IDA namely TBL Standard, TBL Premium and TBL Supreme. Features of the  products are given as under:

01.	Product Name	:	TBL Standard	TBL Premium	TBL Supreme
02.	Scheme	:	Investor's Discretionary	Investor's Discretionary	Investor's Discretionary
03.	Eligibility	:	Any Bangladeshi over 18 years of Age	Any Bangladeshi over 18 years of Age	Any Bangladeshi over 18 years of Age
04.	Initial Deposit	:	TK 5000	TK 5000	TK 5000
05.	Minimum Deposit	:	TK 1,00,000	TK 10,00,001	TK 1,00,00,001
06.	Maximum Deposit	:	TK 10,00,000	TK 1,00,00,000	TK 10.00 Crore
07.	Margin Loan Facility	:	As per SEC Guide Line	As per SEC Guideline	As per SEC Guideline
08.	Documentation Fees	:	TK 500 or at actual	TK 500 or at actual	TK 500 or at actual
09.	Interest Rate	:	13% p.a	13% p.a	12.75% p.a
10.	Management Fees	:	1.50% p.a or 2.50% for implementation of power under power of attorney on portfolio Value	1.25% p.a or 2.50% for implementation of power under power of attorney on portfolio Value	1.00% p.a or 2.50% for implementation of power under power of attorney on portfolio Value
11.	Brokerge Fees	:	0.15%	0.15%	0.15%
12.	Portfolio Transaction Fee	:	0.20%	0.20%	0.15%
13.	Minimum Duration	:	2 Years	2 Years	2 Years
14.	Maximum Loan	:	TK 10,00,000	TK 1.00 Crore per Account	TK 10.00 Crore

It is Bank's discretionary Investment Management service . portfolio Manager will act on behalf of the investors and will be authorized to exercise his discretion to make best professional  investment decision having no guarantee of return on investment.

Features of the product are given as under:

SL NO.	Particulars		Remarks
01.	Product's name	:	BDA
02.	Scheme	:	Bank's Discretionary
03.	Eligibility	:	Any Bangladeshi over 18 years of Age
04.	Initial Deposit	:	TK 5000
05.	Miniimum Deposit(With a view to avail loan facility)	:	TK 25,00,001
06.	Maximum Deposit	:	TK 3.00 Crore
07.	Margin Loan Facilities	:	As per SEC Guide Line
08.	Documentation Fees	:	TK 500 or at actual
09.	Interest Rate	:	13% p.a
10.	Management Fees	:	2.50% p.a
11.	Brokerage Fees	:	0.15%
12.	Portfolio Transaction Fee	:	0.15%
13.	Minimum Duration	:	2 Years
14.	Maximum Loan	:	Tk 3.00 Crore

It is a fully non-discretionary portfolio account where the account holder shall have no option to avail margin loan  facility. The investor will operate his account at his own discretion. Portfolio Manager will act only according to the client's instruction and ensure all management services  related to maintain the account.

We propose three types of products under NIDA namely TBL  Standard, TBL Premium and TBL Supreme.

 Features of the products are given as under.

01.	Product Name	:	TBL Standard	TBL Premium	TBL Supreme
02.	Scheme	:	Non-Margin Investors' Discretionary	Non-Margin Investor's Discretionary	Non-Margin Investor's Discretionary
03.	Eligibility	:	Any Bangladeshi over 18 years of Age	Any Bangladeshi over 18 years of Age	Any Bangladeshi over 18 years of Age
04.	Initial Deposit	:	TK 5000	TK 5000	TK 5000
05.	Minimum Deposit	:	TK 5,00,000	TK 20,00,001	TK 100,00,001
06.	Maximum Deposit	:	TK 20,00,000	TK 1,00,00,000	TK 10.00 Crore
07.	Documentation Fees	:	TK 500 or at actual	TK 500 or at actual	TK 500 or at actual
08.	Management Fees	:	1.00% p.a	0.80% p.a.	0.70% p.a.
09.	Brokerge Fees	:	0.15%	0.15%	0.15%
10.	Portfolio Transaction Fee	:	0.20%	0.20%	0.15%
11.	Minimum Duration	:	1 Years	1 Years	1 Years

Under Profit-Loss Sharing Account, the Bank and the customer shall be agreed to enter into an Agreement. This account will be maintained under Islamic Shariah. Any profit / loss incurred from the  business will be borne proportionately by the Bank and the customer. Portfolio Manager may claim service charges for rendering services. In fact, it is an equity-sharing ratio.

The main features of the product are given as under.

SL NO.	Particulars		Remarks
01.	Product's name	:	Profit-Loss Sharing Account
02.	Scheme	:	Bank's Discretionary Investment Account (equity Sharing basis)
03.	Eligibility	:	Any Bangladeshi over 18 years of Age
04.	Initial Deposit	:	TK 5000
05.	Minimum Deposit	:	TK 2,00,000
06.	Maximum Deposit	:	TK 5.00 Crore
07.	Equity Sharing Ratio	:	1:1 or as decided by the management from time to time
08.	Documentation Fees	:	TK 500 or at actual
09.	Management Fees	:	2.50% p.a
10.	Brokerage Fees	:	0.15%
11.	Portfolio Transaction Fee	:	0.15%
12.	Minimum Duration	:	2 Years
13.	Maximum Investment	:	Tk 5.00 Crore

Any Bangladeshi over 18 years of age is eligible to open an account under Portfolio Management Services. Every two persons can open maximum three Accounts - two in their individual name and the other in joint name.

Single / Joint Applicant

a. Photographs of the Applicants- 3 copies.
b. Copy of Passport / National ID / Driving License and Bank Statement.
c. Photograph of each nominee attested by the applicant(s).
d. Photograph of the operator attested by the applicant(s).

Corporate Account

a. Valid Trade License.
b. Board resolutions, Article and Memorandum of Associations.
c. Photograph of the Authorized person(s) / Operator(s).
d. Any other papers / documents as deem necessary.