Terms and Conditions relating to Mobile Banking / Alert / eBanking Services

Definition: For the purpose of this terms and conditions, the following expressions shall, except where the context otherwise requires, have the following meanings;
The Bank: Nepal Investment Bank Limited with Head Office at Durbarmarg.
User: Bank's customer having an account in any branch and having access to eBanking (Internet Banking) system
Customer: Bank's customer having an account in any branch of the Bank PHOTO 1 PHOTO 2
1. The Bank reserves the right to determine and change from time to time the scope and type of the services to be made available including, without limitation,
Expanding, modifying or reducing the Services at any time. kmf]6f] ! kmf]6f] @
2. The Customer shall not use or knowingly allow any other person to use the services, with any illegal purpose or activity. The Customer shall notify the Bank Branch
immediately if he/she becomes aware of such use. Bank will not be liable for any of the transactions allegedly performed by any third party. zfvf
3. The Customer acknowledges that there may be a time lag in transmission of instructions, information or communication via the Internet for which the Bank shall not
be held liable.
Date: 20____/___/___
4. The Customer shall act in good faith; exercise utmost care and diligence in keeping the User Name and the Password secret. At no time and under no circumstances ldlt Saving Specify the scheme
shall the Customer disclose the User Name and/or the Password to any other person. Should the customer do so, the Bank shall not be liable for any transaction and/ art of]hgf v'nfpg'xf];
or financial lost that may occur to the Customer.
5. The Customer shall be fully responsible for any accidental / negligent and/or unauthorized disclosure of the User Name and/or the Password to any other person and PERSONAL ACCOUNT OPENING FORM Current Cust ID
6.
shall bear the risks of the User Name and/or the Password being used by unauthorized persons or for unauthorized purposes or transactions.
Any instruction given in connection with the Services by quoting the User Name and the Password of the Customer, once given, may not be rescinded or withdrawn
JolQmut vftf vf]Ng] kmf/d rNtL vftfjfnfsf] kl/ro
without the consent of the Bank. All such instructions given, as understood and acted on by the Bank in good faith, shall be irrevocable and binding on the Customer Mr. Mrs. Ms. Minor Other A/C #
7.
whether given by the Customer or by any other person purporting to be the Customer.
The Bank will only act on an instruction in so far as it is in the Bank's opinion practicable and reasonable to do so and in accordance with its regular business practices
>Ldfg\ >LdtL ;'>L gfafns cGo vftf g+=
and procedures. Name:
8. The Bank will provide online advice or confirmation that an instruction has been received and/or a transaction has been effected through the services. Such advice gfdM
or confirmation shall be deemed to have been received by the Customer immediately after transmission and it is the duty of the Customer to check such advice or
confirmation. It is also the duty of the Customer to enquire with the Bank, if the Customer does not receive an advice or confirmation within the time usually required
for a similar advice or confirmation to be received.
9. Information relating to any account or transaction made available on the Internet Site(s) is for reference only. The Bank's records of such account and transaction FOR PERSONAL JOINT ACCOUNT Saving Specify the scheme
shall be conclusive unless and until the contrary is established, JolQmut ;+o'Qm vftfsf] nflu art of]hgf v'nfpg'xf];
10. The Bank shall not be liable for any computer/cyber crimes such as hacking etc. and shall not be liable for any unauthorized transactions and/or any transactions
carried out by using illegal and fraudulent methods. Mr. Mrs. Ms. Minor Other Current Cust ID
11. The Bank reserves the right to charge fees in relation to the use and/or termination of the Services and to revise such fees at any time with or without giving prior 1. >Ldfg\ >LdtL ;'>L gfafns cGo rNtL vftfjfnfsf] kl/ro
notice to the Customer.
12. The Bank shall authorize to share the information with any other person/entity, including its third party agents, as and when necessary according to the existing laws, Mr. Mrs. Ms. Minor Other A/C #
NRB directives, etc. 2. >Ldfg\ >LdtL ;'>L gfafns cGo vftf g+=
13. The Bank may, at any time, without giving notice or reasons suspend or terminate all or any of the Services or their use by the Customer.
14. The Customer may terminate the use of the Services at any time by giving 1 day prior notice to the Bank. Name: 1.
15. The Services shall deemed to cease and the Bank shall be entitled to the immediate restriction of the User in the event of gfdM
i. Closure of Designated Account(s):
ii. Death of a User; 2.
iii. The User(s) authority to operate the Designated Account is terminated;
iv. The User(s) ceases to be a Customer of the Bank;
v. The Bank requests to stop the use Internet Banking Facilities; Statement To be Emailed: _____________________________________________
vi. Customer user is blacklisted and/or defaults on a loan or other similar obligation. vftfsf] ljj/0f Od]n ug'{kg]{
vii. Customer user fails to maintain the minimum balance as stipulated from time to time.
16. The Bank may revise these Terms and Conditions and/or introduce additional terms and conditions at any time and from time to time with or without notice to the Account Currency: NPR Other, Specify: _________________________________________
Customer and shall be binding on the Customer if the Customer continues to maintain or use the Services on or after the effective date of variation. vftfsf] d'b|fM g]=?= cGo, pNn]v ug'{xf];
17. Communications delivered personally, sent by post, facsimile transmission, telex or email by the Bank at the last known address of the Customer shall constitute
actual delivery of such communication to the Customer. Communications sent by the Customer to the Bank shall be treated as delivered to the Bank on the day of
actual receipt.
My/Our specimen signature/s is/are as given below and will be operated by
17. Each of the provisions of these Terms and Conditions is several and distinct from the others and, if at any time one or more of such provisions is or becomes illegal, d]/f]÷xfd|f] gd"gf b:tvt÷x? tn lbOPsf]÷sf 5÷5g\÷vftf ;~rfng lgDg cg';f/sf] b:tvtaf6 x'g]5 .
invalid or unenforceable in any respect under the laws of any jurisdiction, the legality, validity, enforceability of the remaining provisions shall not be affected in any Myself Singly Any One of us Jointly Other/Special ____________________________________
way.
18. Where the account in question is a joint account, the reference in these Terms and Conditions to 'Customer' shall be deemed to mean all and each of the joint account :jod\ Psn xfdLdWo] s'g} Ps ;+o'Qm cGo÷ljz]if
holders.
19. Unless the context otherwise requires, 'person' includes an individual, firm, company, corporation and an unincorporated body of persons. These Terms and
1.Name gfd : 2.Name gfd :
Conditions will stand amended if law, government regulations or instructions issued by the Nepal Rastra Bank, necessitate such amendments.
20. The Services and these Terms and Conditions shall be governed by and construed in accordance with the laws of Nepal and the Bank and the Customer submit to the
nonexclusive jurisdiction of the Courts of Nepal
Terms and Conditions for Card
Terms and conditions stated hereunder relate to the usage of the Visa Electron Debit Card by the Cardholder on his/her designated account number(s).
1. The abbreviations used in these terms and conditions shall be constructed as:
i.
ii.
“Card” means NIBL Visa Debit Card
“Bank” means Nepal Investment Bank Ltd.
3.Name gfd : 4.Name gfd :
iii. “Cardholder” means who is availing Debit Card facility
iv. “ATM” means Automated Teller Machine.
v. “Supplementary Card” means Card issued to your family member or any other person nominated by you
vi. “Merchant” means shops/outlets that are authorized to accept Cards as a mode of payment.
vii. “POS” means Point of Sale Terminals at Merchant outlets, where the Cardholder swipes the Cards, which are authorized to accept Cards as payment mode.
viii. “Card Statement” means statement-containing details of your Card usages
ix. “PIN” means Personal Identification Number, specific to each Cardholder.
x. “Account Number” means the account(s) nominated by the Cardholder that is to be debited for use of Card.
2. The Card is a property of the Bank at all times.
3. The Card is non-transferable. Card Request
4. The Bank reserves the rights to seize/cancel the Card so issued to any Cardholder, if found at any date, the information submitted by such Cardholder is false and or the Card has been
misused. sf8{ lgj]bg
5. The Bank shall debit the Account(s) designated by the Cardholder for all transactions initiated including cash withdrawals by using the Card. For this purpose, the Cardholder I/We hereby request you to issue Nepal Investment Bank Ltd's Debit Card as follows:
irrevocably authorizes the Bank to debit his/her Nominated Account(s) with the amount of transaction(s) effected through the use of the Card.
6. The Bank shall debit the Nominated Account(s) for all fees and charges as determined by the Bank relating to the Card and the services thereby provided. g]kfn OGe]i6d]06 a}+s ln=sf] 8]lj6 sf8{ tn pNn]v u/] adf]lhd hf/L ug{ d÷xfdL lgj]bg ub{5'÷5f}+ .
7. In case of Joint Nominated Account(s), all the members shall be jointly and severally responsible for all transactions performed on such Card.
8. The Bank reserves the right to terminate membership, withdraw the privileges attached to the Card or not renew the expired Card at any time and to call upon the Cardholder to Card Brand: VISA MASTER Other: _______________________________
surrender the Card. sf8{sf] gfd : le;f df:6/ cGo
9. Use of the Card after notice of withdrawal of the privileges or the termination of the membership is fraudulent and may be subject to legal action by the Bank in accordance with the Types of Card: USD
prevailing law. NPR Please tick one
10. Upon termination of membership or withdrawal of privileges of the Card for any reason whatsoever, the Card shall be returned to the Card Centre within 7 days from the date of sf8{sf] k|sf/ : g]=?= o"=P;=l8 s'g} Psdf lrGx nufpg'xf];\
receipt of notice. The Cardholder shall be liable for payment of the bills arising out of use of the Card till Card is not surrendered to the Bank.
11. The Cardholder shall provide written instructions to the Bank for the cancellation or non-renewal of the Card one month prior to the expiry date specified in the Card. I/We also like to request you to issue a supplementary debit card in the name of:
12. The Card and PIN issued to the Cardholder are entirely at the Cardholder's risk and responsibility. The Cardholder shall not disclose the PIN or permit possession of the Card to any lgDg lnlvt JolQmsf] gfddf cltl/Qm sf8{ klg hf/L ul/lbg' x'g d÷xfdL lgj]bg ub{5'÷5f}+ .
other person. The Cardholder undertakes full responsibility for any and all transactions made by the use of the Card whether or not made with his/her knowledge or authority.
13. The Cardholder agrees to inform the Bank in writing regarding lost/stolen, damage of Card and disclosure of PIN. The Cardholder will be held liable for all the transactions received Supplementary Card Holder's Name:
prior to this notification.
14. The Bank reserves the right to limit daily cash withdrawal by the Cardholder and decide on denomination that would be dispensed from Bank's own ATM cltl/Qm sf8{ wf/ssf] gfd :
15. The Bank shall not be responsible in any way for non-availability of ATM services or POS terminals at Merchant outlets for any reason whatsoever and howsoever arising as a result
of malfunctioning of the Card or ATM or POS, insufficiency of funds in such machines, mechanical or power supply failure or otherwise. Relationship to Principal Applicant: Spouse Child Parent Others (Specify): ____________
16. The Cardholder accepts that any cash or cheque deposited through Bank's ATM is solely at the risk and responsibility of the Cardholder and subject to verification and validation by k|wfg cfj]bs ;+usf] gftf : klt÷klTg aRrf cleefjs cGo -pNn]v ug]{_
the Bank.
17. Cash or cheque shall be deposited in sealed envelopes with the deposit slip duly filled in. Two officials of the Bank will verify the cash/cheque deposited and if any dispute arises, the
Cardholder will be promptly notified. However, count by Bank officials will be accepted as the correct amount deposited by the Cardholder. The details & photocopy of legitimate identification document is enclosed herewith.
18. The Cardholder undertakes to indemnify the Bank and to keep the Bank indemnified against all losses, damages, cost or expenses incurred and sustained by the Bank arising out of
Cardholder's failure to observe any of the terms and conditions herein mentioned.
pNn]lvt JolQmsf] klxrfg v'Ng] ;Dk"0f{ ;To ljj/0fsf] kmf]6f]skL of] lgj]bg ;fy} pknAw 5 . PHOTO
19. The Bank reserves the right to amend these terms and conditions at any time with prior notice to the Cardholder and such amended terms and conditions shall be binding on the of
PLEASE SIGN INSIDE THE BOX Supplementary
Cardholder. USING BLACK INK
s[kof aS; leq sfnf] dl; Card Holder
k|of]u u/L ;xL ug'{xf]; kmf]6f]
cltl/Qm sf8{
Customer's Signature Signature of Principal Applicant Signature of Supplementary Applicant wf/ssf]
-u|fxssf] b:tvt_ -k|wfg lgj]bssf] ;xL_ -cltl/Qm lgj]bssf] ;xL_
Mobile Banking/Alert/eBanking Service Request GENERAL CONDITIONS GOVERNING ACCOUNT:
df]afOn a}+lsË÷hfgsf/L÷O{a}+lsË ;]jf lgj]bg vftf ;~rfng ;DaGwL lgodx?M
eBanking Services (Tick the required): User ID: ________________
O{a}+lsË ;]jf -cfjZosdf lrGx nufpg'xf];\ _ k|of]ustf{ kl/roM The law and regulations of Nepal and customs and procedures common to banks will apply to and govern the conduct of
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Inquiry Rights Transaction Rights Bill Payment Limit (NPR) for transaction/No. of Transaction accounts opened with the bank.
;f]wk'5 clwsf/ /sdfGt/ clwsf/ lan e'QmfgL /sdfGt/sf] l;df -g]=?=df_÷/sdfGt/sf] ;+Vof o; a}+sdf vf]lnPsf] vftfsf] ;~rfng g]kfndf k|rlnt P]g lgod tyf a}+lsË If]qdf k|rlnt k/Dk/f / rng cg';f/ x'g]5 .
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Alert/Mobile Banking (Tick the required): The bank reserves the right to amend these rules at any time and in any manner which the bank deems necessary without notice
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hfgsf/L÷df]afOn a}+lsË -cfjZosdf lrGx nufpg'xf];\ _
to the applicants or the public.
Email Alert SMS Alert Mobile Banking Service a}+sn] cfˆgf] :jljj]sdf s'g} klg a]nf k"j{ ;"rgf ;lxt jf a]u/ klg vftf ;~rfng ;DaGwL oL lgodx? kl/jt{g ug{ ;Sg]5 .
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Od]n hfgsf/L P;PdP; hfgsf/L df]afOn a}+lsË ;]jf
The bank is entitled to close the account without notice if the conduct of the account is in the opinion of the bank unsatisfactory or
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Accounts to be linked (First Account Number will be set as Operative Account for Mobile Banking):
hf]8\g' kg]{ vftf -df]afOn a}ls+Ësf] nflu klxnf] vftf g+= ;ls|o x'g]5 ._ for other reasons whatsover.
S.No. Additional Account Number Account Title a}+snfO{ s'g} vftf ;~rfng ug{ lbg cg'ko'Qm nfu]df cfˆgf] :jljj]sdf lagf ;"rgf g} pQm vftf aGb ug{ ;Sg]5 .
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l;=g= cltl/Qm vftf g+a/ vftfsf] gfd Commissions and/or service charge will be levied by the bank as applicable.
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a}+sn] vftf ;~rfng ug{ lbP afkt cfˆgf] cfGtl/s lg0f{o cg';f/sf] sldzg /÷jf ;]jf z'Ns nufpg ;Sg]5 .
I/We acknowledge the receipt of User Name and Passwords of The funds in an account would be considered by the bank to be security for all the obligations present or future of the account
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Nepal Investment Bank Ltd. eBanking facility/PIN for mobile service.
d÷xfdL g]kfn OGe]i6d]06 a}+s ln=sf] Oa}+lsË ;'ljwfsf] k|of]ustf{ gfd tyf kf;j8{ tyf holder to the bank and in the event of the dishonour of such obligations the bank is entitled to utilize such funds against the
_________________________
df]afOn ;]jfsf] lkg k|fKt ePsf] :jLsf/ ub{5'÷5f}+ . Signature -;xL_ obligations of the account holder to the bank without notice to the account holder.
vftfdf /x]sf] ;Dk"0f{ /sd vftfjfnfsf] a}+s pk/ /x]sf] x/]s k|sf/sf] bfloTjsf] -jt{dfg jf eljiodf l;h{gf x'g]_ ;'/If0f ;/x dflgg] 5 / vftfjfnfsf] pQm /sdx? a}+sn]
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(APPLICABLE TO ALL TYPES OF ACCOUNT) vftfjfnfnfO{ s'g} ;"rgf glbO{ To:tf] bfloTj afkt s§L u/L ldnfg ug{ ;Sg]5 .
NOMINEE(S): -;a} k|sf/sf vftfdf nfu' x'g]_ The account holder must maintain the prescribed minimum balance as set by the bank from time to time and i/we agree for the
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OR5\ofPsf] JolQmM PHOTO bank to hold the aforesaid prescribed minimum balance.
I .............................................. maintaining .................................... account No. ........................................... with kmf]6f] vftfdf a}+sn] ;do–;dodf tf]s] cg';f/sf] Go"gtd df}Hbft /x]sf] x'g'kb{5 . ;fy} pQm cfjZos Go"gtd df}Hbft a}+sn] /f]Ssf /fv]df d]/f]÷xfd|f] d~h'/L 5 .
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your Bank, hereby give details of the nominee(s) to receive any sum of amount which may be due to me from Statement of account will be provided on demand.
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Nepal Investment Bank Limited in the event of my death. vftfsf] ljj/0f dfu u/] adf]lhd pknAw u/fOg] 5 .
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g]kfn OGe]i6d]06 a}+sdf d]/f] gfddf /x]sf] ================================== vftf g+= =============================================df afFsL /x]sf] ;Dk"0f{ /sd d]/f] z]if kl5 k|fKt ug{ lgDg
Joxf]/f ePsf JolQmnfO{ OR5\ofPsf] cg'/f]w ub{5' . If there is no transaction in the account for a period of 6 months or more. the account becomes inoperative the account holder has
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Mr./Mrs./Miss/Other:.............................................................................................Relation to me:...................................................... to be self present to make the account operative.
>Ldfg\÷>LdtL÷;'>L÷cGo d ;+usf] gftf ^ dlxgf jf ;f] eGbf a9L cjlw;Dd vftfdf s'g} sf/f]af/ gePdf pQm vftf lgis[o x'g]5 . To;kl5 ;f] vftf ;~rfng ug{ vftfjfnf :jo+ pkl:yt x'g'kg]{5 .
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Son/Wife/Daughter of:......................................................................................................................................................................... ?
In the case of Minor account when s/he becomes major s/he will be automatically authorised to operate such account..
sf] 5f]/f÷>LdtL÷5f]/L gfafns vftfsf] xsdf vftfjfnf aflnu ePkl5 lghn] ;f] vftf :jtM ;~rfng ug{ kfpg] 5g\ .
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Date of Birth:....................................................Age:.............Citizenship/PP No.:.....................Place of issue....................................
hGd ldlt pd]/ gful/stf÷/fxbfgL g+= hf/L u/]sf] 7fpF I/We have read the above GENERAL CONDITIONS GOVERNING ACCOUNT and hereby agree to be abiding by and be bound by
them, be it in line with prevailing rules & regulations.
Permanent Address:...........................................................................................................................................................................
:yfoL 7]ufgf d}n]÷xfdLn] dflysf vftf ;~rfng ;DaGwL ;Dk"0f{ lgodx? cWoog u/]+÷u¥of}+ / pQm lgodx?sf ;fy} k|rlnt lgod sfg"g d'tfljs kfngf ug{ d~h'/ ub{5'÷ub{5f}+ .
Temporary Address:............................................................................................................................................................................ I/We here by declare that the information furnished above and in the attached Customer Information Form are
c:yfoL 7]ufgf true & correct to the best of my knowledge and I/we take the responsibility in the case of any false information:
Correspondence Address:................................................................................................................................................................... dfly pNn]lvt hfgsf/Lx? ;fy} o;} ;fy ;+nUg /x]sf] u|fxs klxrfg ljj/0f kmf/ddf pNn]vLt Joxf]/f ;a} ;To xf] em'7f] 7x/ ePdf d÷xfdL :jod\ lhDd]jf/ x'g]5'÷5f}+ . M
kqfrf/ 7]ufgf
Tel No.:................................Mobile No.:............................... Email:................................................................P.O.Box No.:............... Date:____________________
kmf]g g+=M df]afOn g+=M Od]nM kf]=c=aS; g+=M ldltM
and in the event of my death during the minority of the above nominee(s). I appoint Place:___________________
dfly pNn]lvt d}n] OR5fPsf] JolQm gfafns} 5Fbf d]/f] d[To' ePdf d lgDg JolQmnfO{ pNn]lvt OR5fPsf] JolQmsf] tkm{af6 d]/f] vftfdf /x]sf] /sd sfg"g adf]lhd k|fKt
ug{ lgo'Qm ub{5' . :yfgM Signature of Account holder
Mr./Mrs./Miss/Other:.............................................................................................Relation to me:...................................................... -vftfjfnfsf] ;xL_
>Ldfg\÷>LdtL÷;'>L÷cGo d ;+usf] gftf
Date of Birth:....................................................Age:.............Citizenship/PP No.:.....................Place of issue.................................... INTRODUCER'S DECLARATION
hGd ldlt pd]/ gful/stf÷/fxbfgL g+= hf/L u/]sf] 7fpF kl/ro u/fpg]sf] 3f]if0ff
Permanent Address:........................................................................................................................................................................... I/We ............................................................................................. of ..................................................................................................
:yfoL 7]ufgf
Temporary Address:............................................................................................................................................................................ declare that/We know the applicant(s) and he/she/they is/are fit and proper person(s) to open an account with you.
c:yfoL 7]ufgf
Correspondence Address:................................................................................................................................................................... lgj]bs÷x? nfO{ d÷xfdL /fd|/L lrGb5' . p÷pgLx? To; a}+sdf vftf vf]Ngsf nflu pko'Qm JolQm÷x? x'g\ egL ===========================================================================
kqfrf/ 7]ufgf =============================================================== a:g] d÷xfdL ============================================================================================================= k|dfl0ft ub{5'÷ub{5f}+ .
Tel No.:....................Mobile No.:.......................... Email:........................................................P.O.Box No.:.............
kmf]g g+=M df]afOn g+=M Od]nM kf]=c=aS; g+=M Name: _______________________________ ___________________________
to receive all monies due to me on behalf of nominee(s). gfd : (Introducer's Signature/s) Date: __________
d]/f] ;Dk"0f{ /sd d]/f] z]if kl5 d}n] OR5fPsf] JolQmsf] k|ltlglwTj u/L lngsf] nflu . A/C No.: ldltM
PHOTO vftf g+= -kl/ro u/fpg]sf] ;xL_
kmf]6f] Cust ID:
vftfjfnfsf] kl/roM
___________________________ ONLY FOR BANK USE
(Signature of Account holder)
-vftfjfnfsf] ;xL_ a}+s k|of]hgsf] nflu dfq
A/C No.: A/C Title:
WITNESS: Cust.Type:
Scheme Code: CCY Code:
-;fIfL_M
Signature -;xL_: ________________________________________________ Customer ID: Dipositer Type:
Category of Account : High Risk Medium Risk Low Risk
Name -gfd_: __________________________________________________
Signature Verified by: Detail of Category: ______________________________________________________________________________________
Address -:yfoL 7]ufgf_: ____________________________________________ x:tfIf/ k|df0fLt ug]{ M Created by: ___________________ Date: ________________ Approved by: _________________ Date: ________________
Mobile Banking/Alert/eBanking Service Request GENERAL CONDITIONS GOVERNING ACCOUNT:
df]afOn a}+lsË÷hfgsf/L÷O{a}+lsË ;]jf lgj]bg vftf ;~rfng ;DaGwL lgodx?M
eBanking Services (Tick the required): User ID: ________________
O{a}+lsË ;]jf -cfjZosdf lrGx nufpg'xf];\ _ k|of]ustf{ kl/roM The law and regulations of Nepal and customs and procedures common to banks will apply to and govern the conduct of
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Inquiry Rights Transaction Rights Bill Payment Limit (NPR) for transaction/No. of Transaction accounts opened with the bank.
;f]wk'5 clwsf/ /sdfGt/ clwsf/ lan e'QmfgL /sdfGt/sf] l;df -g]=?=df_÷/sdfGt/sf] ;+Vof o; a}+sdf vf]lnPsf] vftfsf] ;~rfng g]kfndf k|rlnt P]g lgod tyf a}+lsË If]qdf k|rlnt k/Dk/f / rng cg';f/ x'g]5 .
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Alert/Mobile Banking (Tick the required): The bank reserves the right to amend these rules at any time and in any manner which the bank deems necessary without notice
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hfgsf/L÷df]afOn a}+lsË -cfjZosdf lrGx nufpg'xf];\ _
to the applicants or the public.
Email Alert SMS Alert Mobile Banking Service a}+sn] cfˆgf] :jljj]sdf s'g} klg a]nf k"j{ ;"rgf ;lxt jf a]u/ klg vftf ;~rfng ;DaGwL oL lgodx? kl/jt{g ug{ ;Sg]5 .
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Od]n hfgsf/L P;PdP; hfgsf/L df]afOn a}+lsË ;]jf
The bank is entitled to close the account without notice if the conduct of the account is in the opinion of the bank unsatisfactory or
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Accounts to be linked (First Account Number will be set as Operative Account for Mobile Banking):
hf]8\g' kg]{ vftf -df]afOn a}ls+Ësf] nflu klxnf] vftf g+= ;ls|o x'g]5 ._ for other reasons whatsover.
S.No. Additional Account Number Account Title a}+snfO{ s'g} vftf ;~rfng ug{ lbg cg'ko'Qm nfu]df cfˆgf] :jljj]sdf lagf ;"rgf g} pQm vftf aGb ug{ ;Sg]5 .
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l;=g= cltl/Qm vftf g+a/ vftfsf] gfd Commissions and/or service charge will be levied by the bank as applicable.
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a}+sn] vftf ;~rfng ug{ lbP afkt cfˆgf] cfGtl/s lg0f{o cg';f/sf] sldzg /÷jf ;]jf z'Ns nufpg ;Sg]5 .
I/We acknowledge the receipt of User Name and Passwords of The funds in an account would be considered by the bank to be security for all the obligations present or future of the account
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Nepal Investment Bank Ltd. eBanking facility/PIN for mobile service.
d÷xfdL g]kfn OGe]i6d]06 a}+s ln=sf] Oa}+lsË ;'ljwfsf] k|of]ustf{ gfd tyf kf;j8{ tyf holder to the bank and in the event of the dishonour of such obligations the bank is entitled to utilize such funds against the
_________________________
df]afOn ;]jfsf] lkg k|fKt ePsf] :jLsf/ ub{5'÷5f}+ . Signature -;xL_ obligations of the account holder to the bank without notice to the account holder.
vftfdf /x]sf] ;Dk"0f{ /sd vftfjfnfsf] a}+s pk/ /x]sf] x/]s k|sf/sf] bfloTjsf] -jt{dfg jf eljiodf l;h{gf x'g]_ ;'/If0f ;/x dflgg] 5 / vftfjfnfsf] pQm /sdx? a}+sn]
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(APPLICABLE TO ALL TYPES OF ACCOUNT) vftfjfnfnfO{ s'g} ;"rgf glbO{ To:tf] bfloTj afkt s§L u/L ldnfg ug{ ;Sg]5 .
NOMINEE(S): -;a} k|sf/sf vftfdf nfu' x'g]_ The account holder must maintain the prescribed minimum balance as set by the bank from time to time and i/we agree for the
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OR5\ofPsf] JolQmM PHOTO bank to hold the aforesaid prescribed minimum balance.
I .............................................. maintaining .................................... account No. ........................................... with kmf]6f] vftfdf a}+sn] ;do–;dodf tf]s] cg';f/sf] Go"gtd df}Hbft /x]sf] x'g'kb{5 . ;fy} pQm cfjZos Go"gtd df}Hbft a}+sn] /f]Ssf /fv]df d]/f]÷xfd|f] d~h'/L 5 .
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your Bank, hereby give details of the nominee(s) to receive any sum of amount which may be due to me from Statement of account will be provided on demand.
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Nepal Investment Bank Limited in the event of my death. vftfsf] ljj/0f dfu u/] adf]lhd pknAw u/fOg] 5 .
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g]kfn OGe]i6d]06 a}+sdf d]/f] gfddf /x]sf] ================================== vftf g+= =============================================df afFsL /x]sf] ;Dk"0f{ /sd d]/f] z]if kl5 k|fKt ug{ lgDg
Joxf]/f ePsf JolQmnfO{ OR5\ofPsf] cg'/f]w ub{5' . If there is no transaction in the account for a period of 6 months or more. the account becomes inoperative the account holder has
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Mr./Mrs./Miss/Other:.............................................................................................Relation to me:...................................................... to be self present to make the account operative.
>Ldfg\÷>LdtL÷;'>L÷cGo d ;+usf] gftf ^ dlxgf jf ;f] eGbf a9L cjlw;Dd vftfdf s'g} sf/f]af/ gePdf pQm vftf lgis[o x'g]5 . To;kl5 ;f] vftf ;~rfng ug{ vftfjfnf :jo+ pkl:yt x'g'kg]{5 .
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Son/Wife/Daughter of:......................................................................................................................................................................... ?
In the case of Minor account when s/he becomes major s/he will be automatically authorised to operate such account..
sf] 5f]/f÷>LdtL÷5f]/L gfafns vftfsf] xsdf vftfjfnf aflnu ePkl5 lghn] ;f] vftf :jtM ;~rfng ug{ kfpg] 5g\ .
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Date of Birth:....................................................Age:.............Citizenship/PP No.:.....................Place of issue....................................
hGd ldlt pd]/ gful/stf÷/fxbfgL g+= hf/L u/]sf] 7fpF I/We have read the above GENERAL CONDITIONS GOVERNING ACCOUNT and hereby agree to be abiding by and be bound by
them, be it in line with prevailing rules & regulations.
Permanent Address:...........................................................................................................................................................................
:yfoL 7]ufgf d}n]÷xfdLn] dflysf vftf ;~rfng ;DaGwL ;Dk"0f{ lgodx? cWoog u/]+÷u¥of}+ / pQm lgodx?sf ;fy} k|rlnt lgod sfg"g d'tfljs kfngf ug{ d~h'/ ub{5'÷ub{5f}+ .
Temporary Address:............................................................................................................................................................................ I/We here by declare that the information furnished above and in the attached Customer Information Form are
c:yfoL 7]ufgf true & correct to the best of my knowledge and I/we take the responsibility in the case of any false information:
Correspondence Address:................................................................................................................................................................... dfly pNn]lvt hfgsf/Lx? ;fy} o;} ;fy ;+nUg /x]sf] u|fxs klxrfg ljj/0f kmf/ddf pNn]vLt Joxf]/f ;a} ;To xf] em'7f] 7x/ ePdf d÷xfdL :jod\ lhDd]jf/ x'g]5'÷5f}+ . M
kqfrf/ 7]ufgf
Tel No.:................................Mobile No.:............................... Email:................................................................P.O.Box No.:............... Date:____________________
kmf]g g+=M df]afOn g+=M Od]nM kf]=c=aS; g+=M ldltM
and in the event of my death during the minority of the above nominee(s). I appoint Place:___________________
dfly pNn]lvt d}n] OR5fPsf] JolQm gfafns} 5Fbf d]/f] d[To' ePdf d lgDg JolQmnfO{ pNn]lvt OR5fPsf] JolQmsf] tkm{af6 d]/f] vftfdf /x]sf] /sd sfg"g adf]lhd k|fKt
ug{ lgo'Qm ub{5' . :yfgM Signature of Account holder
Mr./Mrs./Miss/Other:.............................................................................................Relation to me:...................................................... -vftfjfnfsf] ;xL_
>Ldfg\÷>LdtL÷;'>L÷cGo d ;+usf] gftf
Date of Birth:....................................................Age:.............Citizenship/PP No.:.....................Place of issue.................................... INTRODUCER'S DECLARATION
hGd ldlt pd]/ gful/stf÷/fxbfgL g+= hf/L u/]sf] 7fpF kl/ro u/fpg]sf] 3f]if0ff
Permanent Address:........................................................................................................................................................................... I/We ............................................................................................. of ..................................................................................................
:yfoL 7]ufgf
Temporary Address:............................................................................................................................................................................ declare that/We know the applicant(s) and he/she/they is/are fit and proper person(s) to open an account with you.
c:yfoL 7]ufgf
Correspondence Address:................................................................................................................................................................... lgj]bs÷x? nfO{ d÷xfdL /fd|/L lrGb5' . p÷pgLx? To; a}+sdf vftf vf]Ngsf nflu pko'Qm JolQm÷x? x'g\ egL ===========================================================================
kqfrf/ 7]ufgf =============================================================== a:g] d÷xfdL ============================================================================================================= k|dfl0ft ub{5'÷ub{5f}+ .
Tel No.:....................Mobile No.:.......................... Email:........................................................P.O.Box No.:.............
kmf]g g+=M df]afOn g+=M Od]nM kf]=c=aS; g+=M Name: _______________________________ ___________________________
to receive all monies due to me on behalf of nominee(s). gfd : (Introducer's Signature/s) Date: __________
d]/f] ;Dk"0f{ /sd d]/f] z]if kl5 d}n] OR5fPsf] JolQmsf] k|ltlglwTj u/L lngsf] nflu . A/C No.: ldltM
PHOTO vftf g+= -kl/ro u/fpg]sf] ;xL_
kmf]6f] Cust ID:
vftfjfnfsf] kl/roM
___________________________ ONLY FOR BANK USE
(Signature of Account holder)
-vftfjfnfsf] ;xL_ a}+s k|of]hgsf] nflu dfq
A/C No.: A/C Title:
WITNESS: Cust.Type:
Scheme Code: CCY Code:
-;fIfL_M
Signature -;xL_: ________________________________________________ Customer ID: Dipositer Type:
Category of Account : High Risk Medium Risk Low Risk
Name -gfd_: __________________________________________________
Signature Verified by: Detail of Category: ______________________________________________________________________________________
Address -:yfoL 7]ufgf_: ____________________________________________ x:tfIf/ k|df0fLt ug]{ M Created by: ___________________ Date: ________________ Approved by: _________________ Date: ________________
 Terms and Conditions relating to Mobile Banking / Alert / eBanking Services
Definition: For the purpose of this terms and conditions, the following expressions shall, except where the context otherwise requires, have the following meanings;
The Bank: Nepal Investment Bank Limited with Head Office at Durbarmarg.
User: Bank's customer having an account in any branch and having access to eBanking (Internet Banking) system
Customer: Bank's customer having an account in any branch of the Bank PHOTO 1 PHOTO 2
1. The Bank reserves the right to determine and change from time to time the scope and type of the services to be made available including, without limitation,
Expanding, modifying or reducing the Services at any time. kmf]6f] ! kmf]6f] @
2. The Customer shall not use or knowingly allow any other person to use the services, with any illegal purpose or activity. The Customer shall notify the Bank Branch
immediately if he/she becomes aware of such use. Bank will not be liable for any of the transactions allegedly performed by any third party. zfvf
3. The Customer acknowledges that there may be a time lag in transmission of instructions, information or communication via the Internet for which the Bank shall not
be held liable.
Date: 20____/___/___
4. The Customer shall act in good faith; exercise utmost care and diligence in keeping the User Name and the Password secret. At no time and under no circumstances ldlt Saving Specify the scheme
shall the Customer disclose the User Name and/or the Password to any other person. Should the customer do so, the Bank shall not be liable for any transaction and/ art of]hgf v'nfpg'xf];
or financial lost that may occur to the Customer.
5. The Customer shall be fully responsible for any accidental / negligent and/or unauthorized disclosure of the User Name and/or the Password to any other person and PERSONAL ACCOUNT OPENING FORM Current Cust ID
6.
shall bear the risks of the User Name and/or the Password being used by unauthorized persons or for unauthorized purposes or transactions.
Any instruction given in connection with the Services by quoting the User Name and the Password of the Customer, once given, may not be rescinded or withdrawn
JolQmut vftf vf]Ng] kmf/d rNtL vftfjfnfsf] kl/ro
without the consent of the Bank. All such instructions given, as understood and acted on by the Bank in good faith, shall be irrevocable and binding on the Customer Mr. Mrs. Ms. Minor Other A/C #
7.
whether given by the Customer or by any other person purporting to be the Customer.
The Bank will only act on an instruction in so far as it is in the Bank's opinion practicable and reasonable to do so and in accordance with its regular business practices
>Ldfg\ >LdtL ;'>L gfafns cGo vftf g+=
and procedures. Name:
8. The Bank will provide online advice or confirmation that an instruction has been received and/or a transaction has been effected through the services. Such advice gfdM
or confirmation shall be deemed to have been received by the Customer immediately after transmission and it is the duty of the Customer to check such advice or
confirmation. It is also the duty of the Customer to enquire with the Bank, if the Customer does not receive an advice or confirmation within the time usually required
for a similar advice or confirmation to be received.
9. Information relating to any account or transaction made available on the Internet Site(s) is for reference only. The Bank's records of such account and transaction FOR PERSONAL JOINT ACCOUNT Saving Specify the scheme
shall be conclusive unless and until the contrary is established, JolQmut ;+o'Qm vftfsf] nflu art of]hgf v'nfpg'xf];
10. The Bank shall not be liable for any computer/cyber crimes such as hacking etc. and shall not be liable for any unauthorized transactions and/or any transactions
carried out by using illegal and fraudulent methods. Mr. Mrs. Ms. Minor Other Current Cust ID
11. The Bank reserves the right to charge fees in relation to the use and/or termination of the Services and to revise such fees at any time with or without giving prior 1. >Ldfg\ >LdtL ;'>L gfafns cGo rNtL vftfjfnfsf] kl/ro
notice to the Customer.
12. The Bank shall authorize to share the information with any other person/entity, including its third party agents, as and when necessary according to the existing laws, Mr. Mrs. Ms. Minor Other A/C #
NRB directives, etc. 2. >Ldfg\ >LdtL ;'>L gfafns cGo vftf g+=
13. The Bank may, at any time, without giving notice or reasons suspend or terminate all or any of the Services or their use by the Customer.
14. The Customer may terminate the use of the Services at any time by giving 1 day prior notice to the Bank. Name: 1.
15. The Services shall deemed to cease and the Bank shall be entitled to the immediate restriction of the User in the event of gfdM
i. Closure of Designated Account(s):
ii. Death of a User; 2.
iii. The User(s) authority to operate the Designated Account is terminated;
iv. The User(s) ceases to be a Customer of the Bank;
v. The Bank requests to stop the use Internet Banking Facilities; Statement To be Emailed: _____________________________________________
vi. Customer user is blacklisted and/or defaults on a loan or other similar obligation. vftfsf] ljj/0f Od]n ug'{kg]{
vii. Customer user fails to maintain the minimum balance as stipulated from time to time.
16. The Bank may revise these Terms and Conditions and/or introduce additional terms and conditions at any time and from time to time with or without notice to the Account Currency: NPR Other, Specify: _________________________________________
Customer and shall be binding on the Customer if the Customer continues to maintain or use the Services on or after the effective date of variation. vftfsf] d'b|fM g]=?= cGo, pNn]v ug'{xf];
17. Communications delivered personally, sent by post, facsimile transmission, telex or email by the Bank at the last known address of the Customer shall constitute
actual delivery of such communication to the Customer. Communications sent by the Customer to the Bank shall be treated as delivered to the Bank on the day of
actual receipt.
My/Our specimen signature/s is/are as given below and will be operated by
17. Each of the provisions of these Terms and Conditions is several and distinct from the others and, if at any time one or more of such provisions is or becomes illegal, d]/f]÷xfd|f] gd"gf b:tvt÷x? tn lbOPsf]÷sf 5÷5g\÷vftf ;~rfng lgDg cg';f/sf] b:tvtaf6 x'g]5 .
invalid or unenforceable in any respect under the laws of any jurisdiction, the legality, validity, enforceability of the remaining provisions shall not be affected in any Myself Singly Any One of us Jointly Other/Special ____________________________________
way.
18. Where the account in question is a joint account, the reference in these Terms and Conditions to 'Customer' shall be deemed to mean all and each of the joint account :jod\ Psn xfdLdWo] s'g} Ps ;+o'Qm cGo÷ljz]if
holders.
19. Unless the context otherwise requires, 'person' includes an individual, firm, company, corporation and an unincorporated body of persons. These Terms and
1.Name gfd : 2.Name gfd :
Conditions will stand amended if law, government regulations or instructions issued by the Nepal Rastra Bank, necessitate such amendments.
20. The Services and these Terms and Conditions shall be governed by and construed in accordance with the laws of Nepal and the Bank and the Customer submit to the
nonexclusive jurisdiction of the Courts of Nepal
Terms and Conditions for Card
Terms and conditions stated hereunder relate to the usage of the Visa Electron Debit Card by the Cardholder on his/her designated account number(s).
1. The abbreviations used in these terms and conditions shall be constructed as:
i.
ii.
“Card” means NIBL Visa Debit Card
“Bank” means Nepal Investment Bank Ltd.
3.Name gfd : 4.Name gfd :
iii. “Cardholder” means who is availing Debit Card facility
iv. “ATM” means Automated Teller Machine.
v. “Supplementary Card” means Card issued to your family member or any other person nominated by you
vi. “Merchant” means shops/outlets that are authorized to accept Cards as a mode of payment.
vii. “POS” means Point of Sale Terminals at Merchant outlets, where the Cardholder swipes the Cards, which are authorized to accept Cards as payment mode.
viii. “Card Statement” means statement-containing details of your Card usages
ix. “PIN” means Personal Identification Number, specific to each Cardholder.
x. “Account Number” means the account(s) nominated by the Cardholder that is to be debited for use of Card.
2. The Card is a property of the Bank at all times.
3. The Card is non-transferable. Card Request
4. The Bank reserves the rights to seize/cancel the Card so issued to any Cardholder, if found at any date, the information submitted by such Cardholder is false and or the Card has been
misused. sf8{ lgj]bg
5. The Bank shall debit the Account(s) designated by the Cardholder for all transactions initiated including cash withdrawals by using the Card. For this purpose, the Cardholder I/We hereby request you to issue Nepal Investment Bank Ltd's Debit Card as follows:
irrevocably authorizes the Bank to debit his/her Nominated Account(s) with the amount of transaction(s) effected through the use of the Card.
6. The Bank shall debit the Nominated Account(s) for all fees and charges as determined by the Bank relating to the Card and the services thereby provided. g]kfn OGe]i6d]06 a}+s ln=sf] 8]lj6 sf8{ tn pNn]v u/] adf]lhd hf/L ug{ d÷xfdL lgj]bg ub{5'÷5f}+ .
7. In case of Joint Nominated Account(s), all the members shall be jointly and severally responsible for all transactions performed on such Card.
8. The Bank reserves the right to terminate membership, withdraw the privileges attached to the Card or not renew the expired Card at any time and to call upon the Cardholder to Card Brand: VISA MASTER Other: _______________________________
surrender the Card. sf8{sf] gfd : le;f df:6/ cGo
9. Use of the Card after notice of withdrawal of the privileges or the termination of the membership is fraudulent and may be subject to legal action by the Bank in accordance with the Types of Card: USD
prevailing law. NPR Please tick one
10. Upon termination of membership or withdrawal of privileges of the Card for any reason whatsoever, the Card shall be returned to the Card Centre within 7 days from the date of sf8{sf] k|sf/ : g]=?= o"=P;=l8 s'g} Psdf lrGx nufpg'xf];\
receipt of notice. The Cardholder shall be liable for payment of the bills arising out of use of the Card till Card is not surrendered to the Bank.
11. The Cardholder shall provide written instructions to the Bank for the cancellation or non-renewal of the Card one month prior to the expiry date specified in the Card. I/We also like to request you to issue a supplementary debit card in the name of:
12. The Card and PIN issued to the Cardholder are entirely at the Cardholder's risk and responsibility. The Cardholder shall not disclose the PIN or permit possession of the Card to any lgDg lnlvt JolQmsf] gfddf cltl/Qm sf8{ klg hf/L ul/lbg' x'g d÷xfdL lgj]bg ub{5'÷5f}+ .
other person. The Cardholder undertakes full responsibility for any and all transactions made by the use of the Card whether or not made with his/her knowledge or authority.
13. The Cardholder agrees to inform the Bank in writing regarding lost/stolen, damage of Card and disclosure of PIN. The Cardholder will be held liable for all the transactions received Supplementary Card Holder's Name:
prior to this notification.
14. The Bank reserves the right to limit daily cash withdrawal by the Cardholder and decide on denomination that would be dispensed from Bank's own ATM cltl/Qm sf8{ wf/ssf] gfd :
15. The Bank shall not be responsible in any way for non-availability of ATM services or POS terminals at Merchant outlets for any reason whatsoever and howsoever arising as a result
of malfunctioning of the Card or ATM or POS, insufficiency of funds in such machines, mechanical or power supply failure or otherwise. Relationship to Principal Applicant: Spouse Child Parent Others (Specify): ____________
16. The Cardholder accepts that any cash or cheque deposited through Bank's ATM is solely at the risk and responsibility of the Cardholder and subject to verification and validation by k|wfg cfj]bs ;+usf] gftf : klt÷klTg aRrf cleefjs cGo -pNn]v ug]{_
the Bank.
17. Cash or cheque shall be deposited in sealed envelopes with the deposit slip duly filled in. Two officials of the Bank will verify the cash/cheque deposited and if any dispute arises, the
Cardholder will be promptly notified. However, count by Bank officials will be accepted as the correct amount deposited by the Cardholder. The details & photocopy of legitimate identification document is enclosed herewith.
18. The Cardholder undertakes to indemnify the Bank and to keep the Bank indemnified against all losses, damages, cost or expenses incurred and sustained by the Bank arising out of
Cardholder's failure to observe any of the terms and conditions herein mentioned.
pNn]lvt JolQmsf] klxrfg v'Ng] ;Dk"0f{ ;To ljj/0fsf] kmf]6f]skL of] lgj]bg ;fy} pknAw 5 . PHOTO
19. The Bank reserves the right to amend these terms and conditions at any time with prior notice to the Cardholder and such amended terms and conditions shall be binding on the of
PLEASE SIGN INSIDE THE BOX Supplementary
Cardholder. USING BLACK INK
s[kof aS; leq sfnf] dl; Card Holder
k|of]u u/L ;xL ug'{xf]; kmf]6f]
cltl/Qm sf8{
Customer's Signature Signature of Principal Applicant Signature of Supplementary Applicant wf/ssf]
-u|fxssf] b:tvt_ -k|wfg lgj]bssf] ;xL_ -cltl/Qm lgj]bssf] ;xL_