APPENDICE 1
National Bank of Malawi No.
Registered under the Banking Act 1989
Application Form for Opening a Personal Investment Account
Type of Account ((Tick whichever is appropriate))
Fixed Deposit Joint Account (Complete and submit Mandate NBM - M3/NBM - M6)
Sa 7 Day Call Savings Account – Minor (Complete and Mandate NBM – M9
30 Day Call Foreign Currency Denominated Accounts (FCDA)
A. Basic Personal Information
Surname : ___________________________________________________________________________
First name(s) :___________________________________________________________________________
Title : Mr. Mrs. Miss Dr. Prof. Rev. Other_________________
Marital status : Married Single Widowed Divorced
Sex : Male Female (Tick whichever is appropriate)
Date of Birth :_____________/_______/______________ (dd/mm/yyyy)
Nationality : Malawian Non Malawian (state nationality) _____________________________
Resident Non Resident (state country of residence)____________________
Identification : Passport No. _______________________Driving License No. _______________________
: National Identity ___________________________________________________________
Other:(e.g.). Birth Certificate Letter from Employer plus Applicants ID
Letter from DC Letter from T/A
Letter from Community Leader.
(Letters from DC, T/A and Community Leaders not to be delegated and acceptance
subject to Branch Management’s discretion.)
Note
Identification by existing account holders see section F.
B. (i) Occupation
Name of Employer :____________________________________________________________________
Employment number :_____________________Designation:_____________________________________
No of years with Employer :__________________ Net Monthly income MKW
Employers Address :________________________________________________________________ ____
Employers Telephone :________________________Fax No:______________________________________
E-mail Address:_______________________________________________________________________________
CA 66 D (R&D 2006)
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(ii) Occupation Ctd
Self Employed Not Employed Student (Tick whichever is appropriate)
Type of business/Source of income :_____________________________________________________________
No of years self-employed: :_____________________________________________________________
Income(Monthly/Annually) :_____________________________________________________________
C. (i) Contact Details
Postal Address : ___________________________________________________________________________
Residential Address: Location/Township__________________________________________________________
: House No____________________Plot/Deed No: _______________ __________________
Telephone Number:___________________________________Cell No:__________________________________
E-mail Address : _______________________________ __Fax No: ______________________________ ____
Home Address :Village_______________________________T/A:___________________________________
: District ___________________________________________________________________
(ii) Spouse’s Details
Full Name :____________________________________________________Title:__________________
Maiden Name :__________________________________________________________________________
Address :__________________________________________________________________________
Occupation :_______________________________Nationality:_________________________________
Telephone Number:_________________________________Cell No:_______________________________
E-mail Address : _______________________________ __Fax No: _________________________________
Bankers :__________________________________________________________________________
D. Bank Accounts Held
Do you maintain any other account(s) with a National Bank Branch? Yes No. (Tick whichever is appropriate)
If Yes kindly state:
(i) Account Name : ___________________________________________________________________________
Branch : _________________________Account No.
(ii) Account Name : ___________________________________________________________________________
Branch : ________________________Account No.
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Bank Accounts Held Ctd
(iii) Account Name : _________________________________________________________________________
Branch : ________________________Account No.
Other Banks
Do you maintain any other account(s) with other Banks? Yes No (Tick whichever is appropriate)
If Yes kindly state:
(i) Account Name : _________________________________________________________________________
Bank : _____________________________ Branch: ___________________________________
Account No. :
(ii) Account Name : _________________________________________________________________________
Bank : _____________________________ Branch: __________________________________
Account No. :
(iii) Account Name : ________________________________________________________________________
Bank : _____________________________ Branch: _________________________________
Account No. :
E Property Owned (Tick whichever is appropriate)
(i) a House Yes No If yes, where ________________________ Plot/Deed No._____
(ii) a Car Yes No If yes, car registration number ____________________________
(iii) Other Property Yes No If yes specify _________________________________________
F. Referees:
(i) Name : ______________________________________________________Title_______________
Address : ________________________________________________________________________
Sex : Male Female (Tick whichever is appropriate)
Maiden Name :_________________________________________________________________________
Physical Address :_________________________________________________________________________
Permanent Address :Village:____________________________ ________T/A:__________________________
:District:_______________________________Nationality: __________________________
Telephone Number : ________________________________________Fax No: __________________________
E-mail Address :________________________________________ Cell No:__________________________
NBM Acc No Branch Branch: __________________________
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F. Referees (Contd)
(ii) Name : ______________________________________________________Title_______________
Address : ________________________________________________________________________
Sex : Male Female (Tick whichever is appropriate)
Maiden Name :_________________________________________________________________________
Physical Address :_________________________________________________________________________
Permanent Address :Village:____________________________ ________T/A:__________________________
: District:______________________________ Nationality: __________________________
Telephone Number : ________________________________________Fax No: __________________________
E-mail Address :________________________________________ Cell No:__________________________
NBM Acc No Branch Branch: __________________________
Do you want an ATM Facility? Yes No (If yes kindly complete and submit an ATM application form)
I/We, _______________________________________________________________declare that the information
I/We have given is true and I/We will be liable for any information or part thereof, which is false. I/We
understand that in the event of the discovery that the given information is false, the Bank will be justified to
close the account and report the same to relevant authorities without giving notice whatsoever.
Applicant’s Signature : ______________________ ____________Date ________/________/_______ (dd/mm/yyyy)
Applicant’s Signature: _______________________ _____________Date ________/________/_______(dd/mm/yyyy)
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G. For Official Use Only:
Interviewed by :____________________________ ______Signature________________________________________
Recommended by :____________________________ ________Signature_________________________________
This application has been approved Declined (If declined the Bank is not obliged to give any reason)
Manager __________________________________Signature: _________________________ Date: __________
If approved, account to be opened under
Client Number:
Account Number: Branch Code:
Account Name: ______________________________________________________________________________
Alpha Code: _______________________Credit Rating_________________ Date last assessed____________
(Surname)
Au Code Tax Flag (insert 1 or 0) Staff? (Insert Y or N)
DATA CAPTURE AUTHORISATION
Input by: _____________________________________________ Date ________________________
Input Verified by: ________________________________________ Date: _________________________
CA 66 D (R&D 2006)
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National Bank of Malawi
Registered Under the Banking Act 1989
APPENDICE 2
Appointment of Bankers – Current Joint Account Form
A/C Name ___________________________________________________
A/C Number
To: NATIONAL BANK OF MALAWI
…………………………………………………………………….Branch
Date ………………………………….
We, the undersigned (Name of account holder) ………………………………………………………………
……………………………………………………………………………………………………………………
hereby appoint you our Bankers and authorize and request you to open an account in our joint names to be
called …………………………………………………………………….………………………………… and
1. To honour and comply with all cheques drafts bills of exchange promissory notes acceptances
negotiable instruments and orders expressed to be drawn accepted made or given by:
2. *either
both
any one or more
all of us (*Delete the unnecessary words and initial)
and to debit the Same to such banking account whether the banking account is overdrawn or any
overdraft increased by any payment thereof or in relation thereto or is in credit otherwise but
without prejudice to your right to refuse to allow any overdraft or increase of overdraft and for any
balance on the said account which may become due to you at any time we agree to be jointly and
severally liable and that in the event of the death of anyone or more of us we agree the survivor(s)
shall have full control of all monies then and thereafter standing to the credit of the said account
and of all securities and articles deposited with you in our joint names.
NBM – M3 (1995)
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2. To honour and comply with all instructions to deliver or dispose of any securities or documents or
property held by you on our behalf; to hold us liable on all agreements and indemnities in connection
with the issue of letters of credit, drafts and telegraphic transfers and with all banking transactions.
Provided any such instructions agreements and indemnities are signed by:
*either
both
any one or more
all of us (*Delete the unnecessary words and initial)
3. To treat all cheques drafts bills of exchange promissory notes acceptances negotiable instruments and
orders as being endorsed on our behalf and to discount or otherwise deal with them provided such
endorsements purport to be signed by:
*either
both
anyone or more
all of us (*Delete the unnecessary words and initial
4. To permit:
* either
both
any one or more
all of us (*Delete the unnecessary words and initial
to negotiate for and take advances by way of loans overdrafts discount or otherwise with or
without security and pledge any species of security for repayment of such advances
5. Subject to any specific instructions to you to the contrary all payments and remittances received by
you from time to time in the name(s) or for the credit of either or any one or more of us shall (unless
there shall be at your same branch an account in such name(s) to which such payments and remittances
shall be credited) be placed by you to the credit of such joint account.
In the event of the said account becoming overdrawn at any time we hereby agree that you shall be
entitled to charge compound interest on the sum by which the said account is overdrawn calculated on
daily balances with monthly rests and that the rate of interest charged from time to time shall be at
your sole discretion above the minimum commercial rate in force at that time.
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You shall not be bound to notify us in advance of any change in the rate of interest but on receipt of a
written request from us you shall be obliged to specify the rate of interest being charged at the time of
such request.
6. To hold on the death of either both/any one or more of us any credit balance(s) on any account or
accounts in our joint names nay any securities deeds boxes and parcels and their contents and
property of any description held in our joint names to the order of the survivor/s without prejudice
to any right you may have in respect of such balance securities etc. arising out of any lien charge
pledge set-off counterclaim or otherwise whatsoever or to any step which you may deem it
desirable to take in view of any claim by any person other than the survivor
We declare ourselves jointly and severally liable on all the foregoing transactions.
In the absence of contrary written instructions signed by either/both/any one or more/all of us the
foregoing conditions shall apply to each and every account of whatever nature now or hereafter
opened by you in our joint names below.
Name Signature Date
Applicant’s Signature Date
Applicant’s Signature Date
NBM – M3 (1995)
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APPENDICE 3
National Bank of Malawi
Registered under the Banking Act 1989
Appointment of Bankers – Savings Joint Account
A/C Name ___________________________________________________
A/C Number
………………………………………..…………….BRANCH Date ………………………..
We request you to open a joint savings account subject to the regulations relating to Savings Accounts for the
time being in force, in the names(s) of …………………………………………………………………………
…………………………………………………………………………………………………………………….
and we authorize you to permit withdrawals by any one of us of any amount, whether principal of interest,
which may be standing to our joint credit on such account.
We further authorize and request that subject to any specific instructions to you to the contrary all payments
and remittances received by you from time to time in the names(s) or for the credit of ether or any one or
more of us shall (unless there shall be at your same branch an account in such names(s) to which such
payments are remittances shall be credited) be placed by you to the credit of such joint account.
This authority is to remain in force until any one of us shall have expressly revoked it by a notice in writing
delivered to you at the above mentioned branch; and it shall not be revoked by the death of any one of ore of
us hereafter the signature of the supervisors may be accepted as a sufficient discharge for any balance on this
account or any part of such balance.
Name Signature Date
Signature Date
Signature Date
NBM – M6 (1995)
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APPENDICE 4
National Bank of Malawi
Registered Under the Banking Act 1989
Delegation of authority
To National Bank of Malawi ……………………20…….
A/C Name ___________________________________________________
A/C Number
I/we refer to the mandate appointing you bankers and request you will, until you receive written directions form me/us to the
contrary treat and consider …(Name) ……………………………………………………………………………...
As empowered by me/us and on my behalf:-
*(a) To draw and sign Cheques on my/our account, whether the same be in credit, or overdrawn, and to endorse or accept
Cheques, Bills, and Promissory Notes and other Documents in my/ our name.
*(b) To encash or place to credit of my/our banking account(s) al such cheques, Drafts, Promissory Notes, Bills of
Exchange, Money Orders, Postal Orders and Fixed Deposit Receipts and to delay with the proceeds as he/she/may this fit.
*(c) To apply for and obtain:-
Particulars as to the state of my/our account(s)
The statement
To sign the usual Certificate showing eh balance or state of my/our account(s)
To operate generally on my/our account(s)
*(d) To operate on my/our Savings/Deposit Account in your books
To withdraw and to give the requisite notice of withdrawal of funds from time to time and as required.
To obtain cash on production of my/our Deposit Receipts subject to the Bank’s regulations regarding such withdraws
and to complete the necessary receipt.
*(e) To endorse for the credit of my/our Savings/Deposit Account, Cheques, Drafts and Promissory
Insert he/she/ Notes, Bills of Exchange and to discharge Money Orders, Postal orders and Fixed Deposit Receipts on my/our behalf,
they/either and I/we declare that ………………………………..
Has/have my /our authority to encash or place to credit of my /our Savings/Deposit Account all such Cheques,
Insert he/she/ Promissory Notes, Bills of Exchange, Money Orders, Postal orders and Fixed Deposit Receipts, and /or to deal with the
they/either proceeds thereof as ………….…………………………..may fit.
*(f) To sign the Bank’s Certificate showing the balance or state of my/our Savings Deposit Account at any time
*(g) To operate generally on my/our Savings Deposit Account at any time.
*(h) To negotiate for and take Discounts and Loans for any sum with or without security, on my /our Account and upon
such terms as you may require, and to pledge or deposit any species of security for repayment of such Discounts or
loans; to establish credits; and to give discharge for any boxes, parcels, bonds, deeds, stock, shares, money or security
in your custody or standing at any time in your books; and generally, in all dealings san transactions between me/us and
you. To act ad fully and effectually for all intents and purposes an i/we could if personally present and acting in the
matters and transactions aforesaid; for all which this shall be a full and sufficient authority, to you , your Managers,
Clerks and Officers and in the case of the dissolution of our partnership, as to all matters and things which , after such
dissolution, the said (name)…………………………………………….…….shall do or purport to do by virtue or in
pursuance hereof, I/we engage that (so far as you are interested or concerned) such acts of the said (name)
………………………………………………………….shall be binding upon us and each of us, and all other persons
claiming form or under us, or either of us, unless notice in writing o such dissolution, by some party entitled to give the
same, shall have been previously received by you
Delegatee……………………………………………………. Signature…………………………………………………..
Account holder(s): …………………………………………. .Signature…………………………………………………..
Witness (banker) ……………………………………………..Signature ………………………………………………..
* Delete if inapplicable.
# The reminder of the form should be deleted if the authority is being given by an individuals who are not partners
N B All deletions must be initialed by witness as well as the signatory
NBM-M8 (1995)
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National Bank of Malawi
Registered Under the Banking Act 1989
APPENDICE 5
Consent of Guarding or Curator to an Account opened
in a name of a Minor
SAVINGS BANK DEPARTMENT
A/C Name ___________________________________________________
A/C Number
TO: NATIONAL BANK OF MALAWI
………………………………………….Branch
(a) Insert full name stating
I, the undersigned (a) (name)…………………………………………………………...
thereafter if Father and Natural ……………………………………………………………………………………………
Guardian (or in event of Father
being deceased if Mother and
………………………………………………………………………..relationship to (b)
Natural Guardian appointed by …………………………………………………………………………………………….
the Master of the Supreme
course under Letters dated
(name of minor) hereby consent to and approve of an account being opened in the name
…………………………… of (b) ……………………………………….……………………………………………..
or other authority
(b) Insert full name
……………………………………………………………………………in the Bank’s
(c) Amend wording ass may be Savings Bank Department.
necessary.
Any alteration must be initialed
by signatory. ON CONDITION THAT, (c) until such time as he said minor attains the age of
………………...years , namely The ……………...day of ……………………
My signature alone shall be accepted and be valid in respect of all operations on the
account above mentioned, after which date the said minor shall be entitled to pay in and
draw out monies then and thereafter standing to his/her credit and to close the account
should he/she so desire, and I hereby approve of anything that may be done by the said
minor or by the Bank by virtue hereof.
Dated this …………………………. day of ………….………………..
(Sign here)……………………………………………………………….
NBM – M9 (1995)
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