Head Office 1 Gulshan Avenue, Gulshan Dhaka-1212, Bangladesh Phone : +880 (2) 8836501-28, 9884292 Fax : +880 (2)

9898910 SWIFT : BRAKBDDH E-mail : enquiry@bracbank.com Website : www.bracbank.com

Subject: Request for Passport Endorsement for the Year 2014

Dear Cardholder: Seasons Greetings from BRAC Bank Cards Team! You may be aware that as per Bangladesh Bank Regulations, it is mandatory for Dual Currency Cardholders to endorse the USD credit limit on their BRAC Bank Universal Credit Card every year against the Travel quota in their passport. Therefore, this is a reminder letter to request you to visit any of our branches and get your passport endorsed by 31st December 2013 for the Year 2014. Kindly ignore this reminder if you have already endorsed your passport for 2014. Kindly note, this endorsement does not mean that we are blocking your credit card usage limit by the endorsed USD amount. You have the freedom to use your entire limit in BDT. Before travel you can transfer the required USD amount from BDT portion. Subject to availability of limit in BDT portion, we will transfer and assign USD limit in your card account only when you inform us regarding your travel plan. In case you are willing to carry foreign currency in cash then please visit any of our branches and reset your assigned USD limit in your card account to comply with Bangladesh Bank Travel Quota Rule. Now BRAC Bank brings more excitement for Credit Cardholders. You can purchase air/train/bus ticket, grocery/household/lifestyle products, mobile top up and pay BRTA fees online from local merchants with your BRAC Bank Credit Card. You can even book foreign hotels, pay your Membership/application fees, Examination Registration/Admission fee through internet with BRAC Bank Credit Card. Please visit our website www.bracbank.com or call our 24-Hour Call Center 16221 or +8802 8852233 to stay updated with the new and attractive products. Enjoy using your BRAC Bank Credit Card no matter where you are. Wishing you all the best for 2014! Sincerely,

Taufiq Hassan Head of Cards and Payments BRAC Bank Limited