APPLICATION FORM FOR OPENING INDIVIDUAL / …

1 APPLICATION form FOR OPENING INDIVIDUAL / JOINTACCOUNTNote : Kindly fill the form in block letters and sign in the appropriate space only after reading the terms and conditions. The terms and conditions whichapply for operating this account form an integral part of this APPLICATION COMPLETE IN FULL AND TICK WHEREVER DETAILSNAME(As per ID/PP)(First Name)(Second Name)(Third Name)(Family/Tribal Name)(HH / HE / SHK / Mr. / Mrs. / Miss / Others)POSTAL Box Way No. Location Locality Location Sultanate of OmanWilayat Sultanate of OmanPERMANENT ADDRESSCONTACT DETAILSTel (R) GSM/Pager Tel (O) E-mail Fax Nationality Date of Birth National ID No.

2 Date of Expiry Passport No. Date of Expiry Labour Card No. Date of Expiry Driving Licence No. Date of Expiry Sex Male Female EMPLOYMENTDETAILSNAME OF EMPLOYERE mployer s Address Box Location Sultanate of OmanEmployee Number Date of Employment Present Position Salary Income Other Income ACCOUNTDETAILS INDIVIDUAL Joint Minor (Guardian name if minor) Current Saving Fixed Call Other Salary transferred to Bank yes NoCurrency of account : OMR AED USD OTHER For Savings account Al Mazyona With InterestStatement Mail HoldStatement Frequency Weekly Monthly Quarterly Half YearlyFor Current account :Cheque Book facility required Yes No Number of Cheques required 10 25 50 leavesFor Fixed Deposit.

3 Fixed deposit for Months (specify period) Maturity Date Auto roll over with interest at maturity Interest accruals to credit account roll over principal Rate %Source of funds Cheque Cash Transfer from account OTHER BANK ACCOUNTS DETAILSBank Name/Location Bank Name/Location account No. account No. FOR BANK USE ONLYBRANCHCUSTOMER NUMBERF - 3 ADATE : ISO CERTIFIED jBG IO T Y F MJOINTACCOUNTHOLDERNAME(As per ID/PP)(First Name)(Second Name)(Third Name)(Family/Tribal Name)(HH / HE / SHK / Mr. / Mrs. / Miss / Others)POSTAL Box Way No. Wilayat Sultanate of OmanCONTACT DETAILSTel (R) E-mail Tel (O) GSM/Pager Sex Male Female Fax Relation (to first account holder) Nationality Date of Birth National ID No.

4 Date of Expiry Passport No. Date of Expiry Labour Card No. Date of Expiry Driving Licence No. Date of Expiry Sex Male FemaleFor electronic channels like ATM, Call Center, Kiosk, Internet banking which operate with INDIVIDUAL PINs, please attach a separate letter requesting for the services and the mode of operationDELIVERYCHANNELSThis APPLICATION automatically allows your account to receive services through all the delivery channels of the bank. In case you do not wish to avail of any of these channelskindly tick the same below :ATM No Call Center No Internet Banking No Self Service Kiosk No (For Internet banking e-mail address and choice of login names is mandatory). (For SMS messages GSM Number is mandatory).Preferred login name 1st choice 2nd choice 3rd choice Kindly note that the terms and conditions that apply for operating the above delivery channels form an integral part of this APPLICATION have read the Terms and Conditions which pertain to the above delivery channels and agree to be bound by the same and any amendments thereto as made by the bankfrom time to (Joint account holders please refer the terms relating to electronic channels above.)

5 BILLPAYMENTDETAILSP lease register following bills against my/our account number for payment through ATM, Call Center and Self Service Kiosk facility ( strike out one if not applicable).Tel Contract Contract Bill A/C Bill A/C Contract Fee Details.(Please attach photocopies of recent bills for each of the bills you want registered.)CUSTOMER SIGNATURE (S)I/we confirm that the information given is true and complete. I/we have read the terms and conditions governing this APPLICATION , and agree to be bound by the same and anyamendment thereto as may be made by the bank from time to instructions Signed by Jointly EitherFIRST account HOLDERSECOND account HOLDER (Applicable for Joint account only)(Specimen Signature)(Specimen Signature)Name Name DETAILS OFINTRODUCERName account No.

6 Walk in CustomerContact Tel. No. Signature FOR BANK USE ONLYCHECK LISTO riginal SeenCopy MadeOriginal Seen Copy MadeACCOUNT NUMBERSN ational ID Passport Labour Card Driving Licence Specimen signatures for all authorised signatories received with limits applicable to eachAccount set up in system and all identification copies stamped Certified True Copy Checked by Approved by Signature Date Signature Date Photograph to be attached in case of illiterate customers using thumb impression / with shaky signatures / Signing inLanguage other than Arabic / Box 134, Postal Code 112.

7 Ruwi, Sultanate of OmanTERMS & CONDITIONSThe General Terms and Conditions set out below shall apply to the Savings, Current, Call and Term Deposit Accounts with Bank Muscat SAOGand the specific terms and conditions as set out hereunder the heading of a particular account shall be applicable to such account onlyDEFINITIONSThe following terms when used in these Terms and Conditions shall have the meanings ascribed to such terms as under: Accounts means the Saving account , Current account , Call account and Term Deposit account ATM Card / Card means a plastic card with magnetic strip issued by the Bank to a Customer to enable such Customer to access the account (s)and perform transactions by using the Automated Teller Machines. Bank means Bank Muscat SAOG, and any successor body thereto. Call Center Service means the service provided by the Bank to a Customer, to enable such customer to access the account (s) and performtransactions by using the telephones.

8 Customer means a natural or corporate person who has opened and maintains an account with the Bank. Customer Identification Number means a unique number provided by the Bank as a reference for the account (s) maintained by a Customer withthe Bank. Internet Banking Online Service means the services provided by the Bank to a Customer, to enable such Customer to access the account (s) andperform transactions through the Internet Laws of Oman means the laws of the Sultanate of Oman in the form of Royal Decrees, Ministerial Regulations, Ministerial Decisions, as the samemay have been, or may from time to time be, enacted, amended or re-anacted PIN means the personal identification number allocated to a Customer by the Bank, to enable such customer to access the account (s) / servicesthrough the respective delivery channels like ATM, Kiosk, Call Center, Internet etc.

9 Service Charges Schedule means a booklet of information made available by the Bank to the Customers from time to time, informing customersof the various charges / conditions applicable on the services provided by the Bank. Self Service Kiosk means the service provided by the Bank to its Customers to access their account (s) and perform transactions through the KioskMachines installed by the Bank at various locations. Terms and Conditions means the terms and conditions as set hereunder to be applicable to the Accounts User means the Customer authorised to use any of the Bank s Delivery GENERAL(a) All Customers must complete an account OPENING form , specimen signaturecard and any other documents as required by the Bank for the OPENING of aparticular account with the Bank.(b) For the avoidance of doubt, reference to Customers shall include all parties toa joint account and all liabilities in respect of joint Accounts shall be joint andseveral.

10 (c) Subject to completion of the necessary documentation as required by the Bank,the Bank shall open and allow for a Customer to operate sole, joint, trustee,corporate and/or other account (s) held in the name of legal entities.(d) The Bank s documents shall be considered to be conclusively binding on theCustomer. Any errors on any statement or Bank documents shall be advised tothe Bank by the Customer within 15 days of receipt thereof.(e) The Bank reserves the right to refuse any deposit, to decline to open an Accountand/or close an account at any time. A deposit made to an account is subjectto clearing and the Bank reserves the right to route items for collection throughits own correspondents.(f) The Customer shall advise the currency or currencies (approved by the Bank) inwhich the account is to be maintained and any deposits in currencies otherthan the designated currency/currencies of the account shall be converted intothe currency of the designated account unless otherwise instructed.