CURRENT ACCOUNT

EBL offers a wide range of products and services designed to make banking easier and to match each and every customer's requirements. This account is non-interest bearing account. We are offering various flexible payment methods to allow customers to distribute money directly to others. There is no limit for withdrawal and deposit in this account. We provide internet user login for this account incase of single signatory. EBL's Current Account offers you various benefits and flexibility. Free Cheque books Free monthly statement Unlimited Withdrawal Extended Banking Hour 365 days banking All the branches of EBL is connected through ABBS (Anywhere Bank Branch Service) which enables you to withdraw and deposit cash from any of the branches. ATM cum Debit card in association with SCT.

Required documents for deposits: Minimum Balances for accounts may vary across branches.

For personal accounts: Citizenship Certificate or Passport 2 PP size photos

For Sole Proprietorship: Registration Certificate Tax Certificate Citizenship Certificated Proprietor 2 PP size photos

For Partnership Account: Partnership Agreement deed Firm Registration Certificate Tax Certificate Citizenship Certificate of Partners 2 PP size photos of partners

Limited Company Account: Registration Certificate Memorandum & Articles of Assocation Name, Address of directors & Office Bearers of the Limited Company with copy Citizenship Certificate
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Name & Signatures of the Persons Authorised to Operate an account Operation Commencement Certificate (for Public Ltd. Co.) Resolution of Board of Directors regarding opening & conduct of an account Tax Certificate

Club Society & Association Account: Registration Certificate List of Office Bearers Resolution Regarding Opening & Conduct of Account Name & Signature of the persons authorized to operate the account

- All EBL branches are now connected by ABBS.

RETIREMENT PLAN ACCOUNT

EBL Retirement Plan was specially targeted to those institutional customers which maintain monthly contribution of their employees towards Provident Fund as well as occasional deposit by an individual staffs on retirement fund for tax exemption. Such deposits are being considered for deduction at the time of statutory tax assessment as guided by the prevailing law. Features:

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 The corporate/institutions may approach the bank to open a single account where contribution of each staffs is being managed separately. Otherwise, separate accounts may be opened in the name of each individual staff. Cheque book is not allowed in such accounts Account operation will be done by the authorized signatories designated by the employer. Minimum Balance Zero.

Borrowing Facility: Beneficiary may borrow up to 90% of their total deposit only after having proper recommendation from the employer. Such borrowing will attract an interest rate of 1.5% higher than the rate for deposit. Target Customer: Corporate/institutions contributing fund on monthly intervals to the provident fund of its staff Individuals having monthly savings for retirement plan

NORMAL SAVING ACCOUNT

EBL saving account is a deposit account held at a bank maintained by a customer for the purpose of accumulating funds over a period of time while earning an interest. The purpose for this account is to be kept on deposit for a minimum length of time, while others permit unlimited access to funds. Saving account can be opened in NPR and for the Nepalese citizen and USD for foreign citizens with valid password and job appointment letter. Nepalese citizen who have foreign currency source of income they can open foreign currency account. Interest rates Interest rate is calculated on Daily Closing balance and payable on quarterly basis.
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The account opening form can be collected from the branch or downloaded by clicking here. The duly filled account opening form along with the relevant document can be submitted at the branch near you. EBL's Saving Account offers you various benefits

Free Cheque books. Minimum Balance of NPR 500/- to open saving account in any branches. Free Statement on demand. Unlimited withdrawal. Evening counter facility 365 days banking

Required documents for deposits: Minimum Balances for accounts NPR 500/-. For personal accounts: Citizenship Certificate or Passport 2 PP size photos - All EBL branches are now connected by ABBS.

NAARI BACHAT KHATA

With the objective to encourage the small saving of women household and professions we have introduce Naari Bachat Khata. Where the customer can make small saving and get the higher interest rate. The facility offer in this account is Attractive interest Rate on Daily Balance Basis Opening of Account at NPR 5,000/- (valley) & NPR 2,500/- (outside valley) Issuance and renewal of Debit Card at NPR 50/ Issuance of Free Cheque Book Pay Bill Registration Facility 25% discount on Annual locker rent (Small Locker Only) i Banking (Internet Banking) service facility

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SAVING PREMIUM ACCOUNT

The savings that will shine bright in the future for you and your family. Minimum Balance The minimum balance required for Saving Premium Fund Accounts shall be Rs. 1 lac. Interest Compitetive Interest Rate. Additional Benefits Issuance of Everest Bank Saving Premium Card Exclusive Service for the Saving Fund Premium accounts holder. No commission on Demand Draft up to Nrs. 1 lac in a month. No Security deposit for locker facility. Allotment of Safe Deposit Lockers on priority basis (subject to availability). For small lockers 50% discount and if it is not available 15% discount on other lockers. Personal Accidental Death Insurance for Rs. 3 lac The account opening form can be collected from the branch or downloaded by clicking here. The duly filled account opening form along with the relevant document can be submitted at the branch near you. EBL's Saving Premium Accounts offers you various benefits
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 Free statement on demand Free ATM card Extended banking hours Unlimited withdrawal ABBS facilities (Anywhere Bank Branch Service) 365 days banking Required documents for deposits: Minimum Balances for accounts may vary across branches.

For personal accounts: Citizenship Certificate or Passport 2 PP size photos - All EBL branches are now connected by ABBS.

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BAAL BACHAT KHATA

With the objective to make the children future secure. We have introduce Baal Bachat Khata where the parents/ guardian make the saving in their children name and the bank pays higher interest on this account. Attractive interest Rate on Daily Balance Basis Opening Account at NPR 5,000/- (valley) & NPR 2,500/- (outside valley) Issuance and renewal of Debit Card at NPR 50/Issuance of Free Cheque Book Parents will be the guardian of the account till the children will be major.

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SAUGAT BACHAT KHATA

Saugat Bachat Kahta is a unique product, which has integration of both saving and fixed deposit feature. The bank introduced Saughat Bachat Khata where the customer will get interest rate on saving account varies from 3% p.a. to 10.00% p.a. depending on time period. In this method we have two features in one saving account i.e. saving nature and fixed account nature. In this account type we have sweep in and sweep out facility from saving to fixed. Product Nature: : Composition of Saving & Fixed Deposit Minimum Balance : Account is opened at minimum balance of NPR 5000/-.

Features of Product: The bank would provide the facility of automatic transfer of balance from saving account to FDR. In case the customer withdraws the amount from this account then it will be treated as under .- First, the balance available upto Rs. 50,000/- in the account would be utilized; - For further needs, withdrawal will be allowed from Fixed Deposit in the multiples of Rs. 25,000/as per the requirement of the customer. Interest rate offer

Attractive interest rate

Other Facilities Issuance of Debit Card at concession rate of NPR 100/Free Issuance of Cheque book Free Internet banking Mobile recharge and bill payment through SMS Joint account facility

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FREEDOM SAVINGS ACCOUNT

This unique deposit product has been introduced with an objective to inculcate saving habits in the minors (who are in the age between 10 to 16 yrs) and help them in becoming responsible by allowing them to operate this account independently.

A special savings scheme for minors, who have attained 10 years of age but not crossed 16 yrs, can read & write, can open this Savings account in their own name singly. No cheque book will be issued to this Account holder; however the minor is allowed to withdraw money from his/her account using ATM card or through withdrawal slip.

Features: Minimum Balance Interest Rate Cheque Book/Overdraft ATM Card Any other charges : Rs.100.00 : On daily balance and quarterly payment : Not allowed : Allowed (free of cost : No

Withdrawal : Through ATM Card or Withdrawal Slip(Minor to be present at the Bank's counter to affix his/her signature to withdraw through Withdrawal Slip).

Documents Required: Birth Certificate/School Certificate of minor (showing evidence of age) Photograph of minor

Citizenship & Photograph of Guardian (Gaurdian signature is mandatory in Account opening Form).

Others: Minor Operated Accounts can be converted to full-fledged (Normal) Saving Account on minor attaining the age of 16 years (Citizenship certificate or any other documents evidencing the proof of age to be submitted for this purpose)

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SUPREME DEPOSIT
EBL Supreme Account Scheme has offered its customer for Higher interest rate in Fixed Deposit Account as well as Higher Interest rate on Saving Account. The Customer who open a fixed Depoit Account under Supreme Account are eligible to open a saving account up to 5.00% p.a and the interest on saving account is calculate on daily closing balance. The interest offered on Supreme Fixed Deposit Account and Supreme Saving Account is as under Interest Rate Offered in Supreme Fixed Deposit Account Interest : Attractive Rate Cheque book and Debit Card is provided against Supreme Saving Account.
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Loan /Overdraft facility against FD :- Allowed up to 90% of the deposit amount. Interest Against Supreme FD:- 10% or +2.00% above the deposit rate on actual usage.

CUMULATIVE DEPOSIT SCHEME

In case you require bulk amount in future to meet your financial needs like children's higher education, their marriage etc. open an account under Cumulative Deposit Scheme and earn higher term deposit interest on quarterly compounding basis. Main features of the scheme are as under:Participation in the scheme Any individual including a minor, Proprietorship/Partnership Firms, Associations, Company/Corporate Bodies, Trust, Charitable and Education Institutions, Municipalities, Government/Quasi Government Bodies, NGOs, INGOs etc can open account under the scheme. Deposit Amount Minimum Rs. 50,000/Period of Deposit 6 months upto 5 years Maturity Value Principal amount of deposit with upto date interest shall be paid on maturity date. Premature Cancellation
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If any depositor desires to withdraw the deposit before maturity, bank may at its discretion, repay the deposit with upto date interest at the rate applicable to the period for which deposit remained with the bank less penalty. Compounded interest is to be paid on the deposit upto the completed quarter and for further broken period interest will be calculated at the applicable rate on principal plus interest upto the completed quarter. Overdue Deposit The bank may at its discretion, allow interest on overdue deposit from the date of maturity provided the deposit is renewed from the date of its maturity for at least 15 days from the date of presentation. Loan/overdraft Allowed at 2% over deposit rate. For further details contact the branch The account opening form can be collected from the branch or downloaded by clicking here. The duly filled account opening form along with the relevant document can be submitted at the branch near you. Required documents for deposits: Minimum Balances for accounts may vary across branches. For personal accounts: Citizenship Certificate or Passport 2 PP size photos - All EBL branches are now connected by ABBS

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CASH CERTIFICATE SCHEME

This is a unique product which is intended to cater to the demand of those depositors who want higher return on small investments. This is in fact a discounted value system, the maturity of which has been fixed as the height of Mount Everest (i.e. 8848 mt. & 29029 feet) Name of the scheme: HAJURKO KAMAI, EVEREST KO UCHAI Target Group : Individuals, professionals, housewives who want to invest small deposits for 2-3 yrs period Features/modality:A fixed amount shall be deposited for fixed tenure with fixed maturity value. The maturity value will be Rs.8,848.00 and Rs.29,029.00 matching to the height of Mt. Everest. The depositor has to deposit discounted amount as indicated in the table to get the maturity value.

SN 1 2 3 4

Principal Amt. 6,448.00 7,148.00 21,029.00 23,429.00

Period 3 yr 2 yr 3 yr 2 yr

Int. rate 10.6877% 10.8115% 10.8921% 10.8610%

Maturity Value 8,848.00 8,848.00 29,029.00 29,029.00 height in ft. height in mt.

* interest compounding on quarterly interval and subject to deduction of statutory tax

Premature Cancellation/Loan:Alike normal deposit scheme, premature cancellation will be allowed in this scheme as well. In case of premature cancellation, 1% less interest on published rate (normal FD) will be paid for the actual

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period of deposit. Similarly, loan will be allowed to the extent of 90% of deposit with interest rate of 12% p.a.

UNFIXED FIXED DEPOSIT SCHEME

Unfixed Fixed Deposit Scheme allows benefits of higher term deposit rate with quarterly compounding interest while allowing facility of simultaneous overdraft against your deposit. Now you can use your money while earning interest on it. Get a cheque book at the time of opening of account with your Fixed Deposit Receipt. Participation in the scheme The scheme is suited for all categories of depositors like Individuals, Sole Prop. Concerns firm, Trusts and Limited Companies who wish to park their temporary surpluses in Fixed Deposits, thereby earning higher rates of interest as well as withdraw or repay the amount in between depending upon their needs. Participation is not for all the depositors. Blind, illiterate and minors cannot open this A/C. Deposit Amount Minimum Rs. 50,000/Period of Deposit 6 months upto 5 years Maturity Value Principal amount of deposit with upto date interest shall be paid on maturity date. Premature Cancellation Allowed at lower rate of interest Flexibility Overdraft facility is to be granted through Overdraft Account and Cheque Book to be issued to the borrower on the same day and OD A/C with Nil balance to be opened in the Books of the Account. Actual drawing to be allowed on a subsequent date. The limit under the OD Account is to be 90% of the amount deposited by the account holder. The interest on your withdrawals will be charged on daily basis at 2% p.a over the deposit rate. Thus you can minimize the interest cost on your withdrawals. Required documents for deposits: Minimum Balances for accounts may vary across branches. For personal accounts: Citizenship Certificate or Passport 2 PP size photos
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For Sole Proprietorship: Registration Certificate Tax Certificate Citizenship Certificated Proprietor 2 PP size photos For Partnership Account: Partnership Agreement deed Firm Registration Certificate Tax Certificate Citizenship Certificate of Partners 2 PP size photos of partners Limited Company Account: Registration Certificate Memorandum & Articles of Assocation Name, Address of directors & Office Bearers of the Limited Company with copy Citizenship Certificate Name & Signatures of the Persons Authorised to Operate an account Operation Commencement Certificate (for Public Ltd. Co.) Resolution of Board of Directors regarding opening & conduct of an account Tax Certificate Club Society & Association Account: Registration Certificate List of Office Bearers Resolution Regarding Opening & Conduct of Account Name & Signature of the persons authorized to operate the account - All EBL branches are now connected by ABBS.

EVEREST PIZZA DEPOSIT

This scheme has been launched with an objective to mobilize small & medium sized deposits from individuals/institutions intended to have liquidity feature with flexibility in long-term investment. Further, it also caters to the needs of persons/entities want to have higher returns than a regular savings account with varying level of liquidity. Target Customer: Individuals (Self-employed, Professionals, Housewives, Minors under guardianship etc.) Corporate entities, Trust, Charitable & Educational institutions etc.
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Key Features: Target customers will have the following conveniences: Flexibility Allows withdrawal (up to 50% of original deposits, in multiple of Rs.10,000.00 not more than 5 times) even before the maturity, without any penal charge. The Interest on such premature withdrawal will be paid at the rate applicable to the period for which the deposit has remained with the Bank. (int. rate at the time of initial deposit or prevailing rate whichever is lower will be considered). Eligibility: Account can be opened by an individual- singly or jointly, by a minor through his guardian. In case of corporate entities, account will be operated as decided by the competent board of those institutions. More than one account can be opened by a depositor. Minimum Deposit: Rs.1.00 lacs up to Rs.100.00 lacs (in multiple of Rs.1.00 lacs). Interest Rate: As per Normal Fixed Deposit rate. Period: Minimum 1 year to maximum 10 yrs. Payment of Interest/Principal Amount: The amount invested in the scheme shall attract rate of interest prescribed by the Bank on normal Fixed Deposits from time to time. The depositors will get the Principal amount at maturity and Interest amount on quarterly intervals. Borrowing Facility: Depositors may borrow up to 90% of their deposit at interest rate of 1.5% above the deposit rate besides premature withdrawal facili

SUNAULO BHAVISHYA YOJANA

To cater to people who have the habit to save in a regular basis and avail the bulk sum at the end with a high yielding interest rate the bank launched the recurring deposit. The deposit is targeted among the middle class families who save for specific purpose like purchase of items, marriage etc. Every drop counts The best way to plan for your future needs is by way of opting sunaulo Bhavishya Yojana which is most suitable for accumulating regular small savings into substantial amount. You can plan and provide for a large investment amount at a future date out of regular small savings. On maturity you shall get the principal amount (i.e. the installment) along with half yearly compounded interest. Participation in the scheme Any individual including minor, proprietorship, partnership, Associations, Company, Corporate bodies, Trusts, Charitable and Educational institutions, Municipality etc. can open the account. Deposit Amount Minimum amount for opening an account is Rs. 100.00 and amount can be deposited in multiples of Rs 100. The amount of installment need be fixed at the time of opening the account. Period of Deposit 12 months to 36 months in multiples of 12 months.
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Maturity Value Paid in lumpsum at the time of maturity. Premature Withdrawal Allowed at 1% lower interest rate than the published deposit rate for the deposited period or prescribed rate (Whichever is lower). Loan Loan available upto 90% of the deposited amount at 2% higher rate than the published deposit rate. Required documents for deposits: Minimum Balances for accounts may vary across branches. For personal accounts: Citizenship Certificate or Passport 2 PP size photos - All EBL branches are now connected by ABBS.

EBL FLEXI RECURRING DEPOSIT

This scheme is targeted at those individuals who want to have small saving but in regular intervals.It also caters to the need of persons with fluctuating income e.g. self-employed,professionals or person engaged in seasonal occupation especially in rural and semi-urban areas.Persons having fixed income but variable surplus can also take advantage of it.

Minimum Deposit: Rs.100.00 (Base Amount, which is the least amount to be deposited every month) or above in its multiples (upto 10 times of base amount). The depositors will have the flexibility in terms of choice of day to deposit within the month. If the installment(i.e. base amount) is not deposited every month the depositor will receive interest at the rate of saving account at the time of payment of the maturity value.

Deposit Period: 6 month to less than 1 year 1 year to 5 years Above 5 years to 10 years

Attractive Interest Rate on daily balance & quarterly

compounding

Others: In case of payment before maturity, interest payable in respect of such deposit shall be 1% less than the rate applicable for actual deposit period or at contracted rate, whichever is lower.
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 Depositors are allowed to borrow up to 90% of their accumulated deposit at interest rate of 1.5% higher than the rate for deposit.

SADICHHA RECURRING DEPOSIT

The new scheme has been launched with an objective to mobilize small deposits from youngsters in the form of regular savings for their future investments. This scheme is most suitable for accumulating regular small savings into handsome amount and one can plan for a large investment in future. Even parents can open the account in the name of their children to accumulate fund to finance higher studies of the children. Target Customer: Children in the age between 1 day to 16 years Attractive Features: Additional 0.50% interest rate will be provided over the normal rate as Education Bonus to the children. (The branch shall input 0.50% at A/c Preferential Cr. at the time of opening the account). This account has been linked with CSR initiative and thus, the bank will provide Rs.5.00 for every account to raise fund for helpless & needy people. Every year on annual day function, the fund will be donated to Orphan house/Schools/child activists etc. Eligibility: Account can be opened in the name of the children under guardianship of the Parent. More than one account can be opened. Having savings account of the parent/child is essential from which monthly installment will be debited after receiving standing instruction authority. Minimum Deposit: Minimum monthly installment of Rs.1,000.00 to Maximum Rs.10,000.00 (in multiples of thousand) Interest Rate: As per Normal Fixed Deposit rate Period: Minimum 1 year to maximum 10 yrs (in multiple of 1 year) Maturity Value: At maturity, the depositors will get the predetermined amount which include principal amount along with interest calculated on daily basis & compounded on quarterly intervals. (The branches will be provided with the excel sheet by ICT Department for calculation of maturity value).
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Late Deposit Charge: In case of late deposit of monthly installment, penal charge of Rs.50 will be levied per installment. Premature Withdrawal: In case of payment before maturity, interest payable in respect of such deposit shall be 1% less than the rate applicable for actual deposit period or at contracted rate, whichever is lower. Borrowing Facility: Depositors may borrow up to 90% of their accumulated deposit at interest rate of 1.5% above the deposit rate besides premature withdrawal facility completely for the benefit of the child.

USD ACCOUNT
Those individuals and companies who earns/ get funded in dollars can open USD Account at EBL branches.. Required documents for deposits: Minimum Balances for accounts may vary across branches. For personal accounts: Citizenship Certificate or Passport 2 PP size photos For Sole Proprietorship: Registration Certificate Tax Certificate Citizenship Certificated Proprietor 2 PP size photos For Partnership Account: Partnership Agreement deed Firm Registration Certificate Tax Certificate Citizenship Certificate of Partners 2 PP size photos of partners Limited Company Account: Registration Certificate Memorandum & Articles of Assocation Name, Address of directors & Office Bearers of the Limited Company with copy Citizenship Certificate Name & Signatures of the Persons Authorised to Operate an account Operation Commencement Certificate (for Public Ltd. Co.) Resolution of Board of Directors regarding opening & conduct of an account Tax Certificate Club Society & Association Account: Registration Certificate List of Office Bearers Resolution Regarding Opening & Conduct of Account Name & Signature of the persons authorized to operate the account - All EBL branches are now connected by ABBS.

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EBL NRN DEPOSIT

EBL welcomes you to open Foreign Currency Deposits. As per the NRNs ordinance 2062 such deposits along with interest are fully repatriable. Salient Features of EBL NRN Deposit Scheme Avail attractive interest rate on Foreign Currency along with additional 0.5% on NPR deposits.
Who can open Non Resident Nepalese (NRN) as defined in NRN ordinance 2062, Article No. 2 All our branches By credit received in convertible foreign currency in our nostro accounts as given overleaf

Where How

Currency Offered USD, GBP and Euro Minimum Amount 10,000 units in Foreign Currency

Type of Deposits Saving and Term Deposit

Interest Payable : Semi annual Other Benefits : Free monthly statement for savings account by e-mail on request.

RETIREMENT PLAN ACCOUNT

EBL Retirement Plan was specially targeted to those institutional customers which maintain monthly contribution of their employees towards Provident Fund as well as occasional deposit by an individual staffs on retirement fund for tax exemption. Such deposits are being considered for deduction at the time of statutory tax assessment as guided by the prevailing law. Features: The corporate/institutions may approach the bank to open a single account where contribution of each staffs is being managed separately. Otherwise, separate accounts may be opened in the name of each individual staff. Cheque book is not allowed in such accounts
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 Account operation will be done by the authorized signatories designated by the employer. Minimum Balance Zero.

Borrowing Facility: Beneficiary may borrow up to 90% of their total deposit only after having proper recommendation from the employer. Such borrowing will attract an interest rate of 1.5% higher than the rate for deposit. Target Customer: Corporate/institutions contributing fund on monthly intervals to the provident fund of its staff Individuals having monthly savings for retirement plan

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