January 02, 2014 To Managing Director, ICB Islamic Bank Ltd. T.K. Bhaban Karwan Bazar, Dhaka. SUB: PRAYER FOR RE-CONSIDER OF ALL INTEREST AMOUNT FROM ACTUAL LOAN AMOUNT. Dear Sir, With due respect, I would like to state that I am Zafar Sadek Zunayed, Director of Reliable Sanitary Pvt. Ltd. In year -2009, my father, Mr. Abdul Wadud (Chairman of this company) was granted a loan of BDT 70000000Tk. ( Taka Seven Crore ) only, from ICB Islamic Bank Ltd. After that, we always proved ourselves to be a reliable & regular clients, who had kept up with their loan’s payments in time to time till August-2012. Actually that was our last running capital for business. After then we to till now we can’t continue our regular business as well. Sir, for your kind information I must like to tell you that, my father is still Sevier sick in some major Heart, Kidney, Spinal etc are diseases from last 2010. Almost 8-9 months in a year he had to admitted in several hospital in here & aboard. Also during this time he already had some major operations which are all so costly for regular people like us. Now he is in life & death condition . So he wish (as a Muslim) to adjust all kinds of loan before his last breath go on.. And as Chairman of this company & also as a father, of my, now I would like to pay the entire loan amount as soon as possible by selling our property and also borrowing money from our nearest relatives. However at this serious moment I find myself in a critical situation where I would like to request you for waive interest charges on our loan account for a period of as I noticed you earlier here. Sir, I beg to state that , Me, with my entire family have been fighting with his ( Father & also Chairman of this company) , costly & serious illness . So we have been trying to pay the loan back at the same time. Currently, my father has gone through another operation which cost us a lot of money and made us unable to pay the huge amount of the loan remaining to be paid. Moreover, we are also supposed to pay an interest amounted to BDT 2,500,000,000 (twenty five million taka) only approx., which is impossible for our family at the current situation. In this case, it would be a
great relief if the interest amount could be deducted from the amount yet-to-be paid back to the bank- considering the medical situation of the concerned person in whose name the loan was issued. Under the circumstances, it is prayed and hoped that you would be kind & considering enough to grant the request of deducting the interest amount associated with the loan and help us survive this crisis situation. Thank you. Yours trustworthy,
Zafar Sadek Zunayed, Director Reliable Sanitary Pvt. Ltd. (signature & date) (name & profession), (relation with the person to take the loan)