FAQ's

No, the Insurance does not cover pregnancy case, however you can claim for treatment of Cyst in case of Pregnancy.

Yes, it does. However, hospitals of Nepal need to refer for further treatment in India or outside Nepal.

Yes, in case of Smart Salary Account the insurance coverage is effective from very next day of account opening.

The claim should be made within 30 days from the date of discharge or Checkup within Kathmandu valley and within 60 days for outside valley.

Customer is not eligible for the insurance benefits in case of ‘regular checkup and whole body checkup’. However, in case the customer visit the doctor for some health issue other than their pre-existing disease, the customer can claim for Medical Insurance (Hospitalization/OPD)..

Following are not covered by this insurance: -

• Pre-existing Disease
• Pregnancy Cases
• Skin Problem
• War Related/ Nuclear Weapon/materials
• Preventive Treatment/ General Health Check Up
• Dental/Oral/Hearing Equipment/Dental Filling & Scaling
• HIV AIDS & Related Issues
• Homeopathy/Ayurvedic Medicines
• Intentional self-injury/Suicide/Heart Attack
• Cosmetic & Plastic Surgery
• Weight Loss treatment/Food/vitamin etc. not related to disease.
• Whole body checkup

Following are covered in critical illness: -

• First Diagnosis of Cancer
• End stage Renal Failure
• Multiple Sclerosis
• Benign Brain Tumor
• Parkinson’s Disease
• End Stage Liver Disease
• Alzheimer’s Disease

Customer need to submit following documents to any of Bank’s branches to make the insurance claim for hospitalization:

• Original Bills
• Photocopy of Hospital reports
• Discharge Slip/report
• Doctor prescription (photocopy)

Note: Hospitalization Period requires minimum 24 hours stay in Hospital Bed and in case of Emergency treatment only, it can be covered from Domiciliary.

There is no any limit breakdown for Hospitalization claim, it means total limit for hospitalization is NPR 40,000 for 1 year for Smart Salary Account holders and NPR 80,000 for 1 year for New Smart account holders.

Customer need to submit following documents to any of Bank’s branches to make the insurance claim for Accidental Insurance:

• Ghatanasthal Muchulka
• Complete autopsy report.
• Police report
• Hospital report (if the person was taken to hospital)
• Citizenship certificate of deceased.
• Death Certificate. (death case)
• Relationship Certificate (death case)

Account holders can claim multiple times upto the limit except for Accidental Death.

• Checklist for Insurance Claim (Domiciliary) 

1. Health Insurance Claim Form
2. Original Bills
3. Photocopy of Hospital reports
4. Doctor prescription (photocopy)

• Checklist for Insurance Claim (Hospitalization) 

1. Health Insurance Claim Form
2. Original Bills
3. Photocopy of Hospital reports
4. Discharge Slip/Report
5. Doctor’s Prescription (photocopy)
6. Emergency case also covered with all required doc. as above

• Checklist for Insurance Claim (Accidental) 

1. Ghatanasthal Muchulka-Photocopy
2. Complete autopsy report. (Clearly mention deceased name)
3. Police Report
4. Hospital Report (if the person was taken to hospital)
5. Citizenship certificate of deceased
6. Death Certificate (death case)
7. Relationship Certificate (death case)
8. Health Insurance Claim Form

*Only copy of all above documents required

• Checklist for Insurance Claim (Critical illness) 

1. Health Insurance Claim Form
2. Original Bills
3. Photocopy of Hospital reports
4. Lab Test Report (Photocopy)
5. Doctor’s Prescription (where mentioned as life threating disease)

No, the Insurance does not cover pregnancy case, however you can claim for treatment of Cyst in case of Pregnancy. 

Yes, it does. However, hospitals of Nepal need to refer for further treatment in India or outside Nepal.

Yes, in case of Smart Salary Account the insurance coverage is effective from very next day of account opening. 

The claim should be done by the customer within 30 days from the date of discharge or Check up within Kathmandu valley and within 60 days for outside valley.
 

Customer need to submit following documents to any of Bank’s branches to make the insurance claim for hospitalization: 

• Original Bills
• Photocopy of Hospital reports
• Discharge Slip/report
• Doctor prescription (photocopy)

Note: Hospitalization Period requires minimum 24 hours stay in Hospital Bed and in case of Emergency treatment only, it can be covered from Domiciliary.

There is no any limit breakdown for Hospitalization claim, it means total limit for hospitalization is NPR 40,000 for 1 year. 

Customer need to submit following documents to any of Bank’s branches to make the insurance claim for Accidental Insurance:

• Ghatanasthal Muchulka
• Complete autopsy report. 
• Police report
• Hospital report ( if the person was taken to hospital)
• Citizenship certificate of deceased.
• Death Certificate. (death case)
• Relationship Certificate (death case)

Account holders can claim multiple times upto the limit except for Accidental Death.

Customer is not eligible for the insurance benefits in case of ‘regular checkup and whole body checkup’. However, in case the customer visit the doctor for some health issue other than their pre-existing disease, the customer can claim for Domiciliary.

Following are not covered by this insurance: -

• Pre-existing Disease
• Pregnancy Cases
• Skin Problem
• War Related/ Nuclear Weapon/materials
• Preventive Treatment/ General Health Check Up
• Dental/Oral/Hearing Equipment/Dental Filling & Scaling
• HIV AIDS & Related Issues
• Homeopathy/Ayurvedic Medicines
• Intentional self-injury/Suicide/Heart Attack
• Cosmetic & Plastic Surgery
• Weight Loss treatment/Food/vitamin etc. not related to disease  
• Whole body checkup 

Following are covered in critical illness: -

• First Diagnosis of Cancer
• End stage Renal Failure
• Multiple Sclerosis
• Benign Brain Tumor
• Parkinson’s Disease
• End Stage Liver Disease
• Alzheimer’s Disease

• Checklist for Insurance Claim (Domiciliary)  

1. Health Insurance Claim Form 
2. Original Bills
3. Photocopy of Hospital reports
4. Doctor prescription (photocopy)

• Checklist for Insurance Claim (Hospitalization)  

1. Health Insurance Claim Form 
2. Original Bills
3. Photocopy of Hospital reports
4. Discharge Slip/Report
5. Doctor’s Prescription (photocopy)
6. Emergency case also covered with all required doc. as above

• Checklist for Insurance Claim (Accidental)  

1. Ghatanasthal Muchulka-Photocopy
2. Complete autopsy report. (Clearly mention deceased name)
3. Police Report 
4. Hospital Report ( if the person was taken to hospital)
5. Citizenship certificate of deceased
6. Death Certificate ( death case ) 
7. Relationship Certificate ( death case) 
8. Health Insurance Claim Form 

*    Only copy of all above documents required

• Checklist for Insurance Claim (Critical illness)  

1. Health Insurance Claim Form 
2. Original Bills
3. Photocopy of Hospital reports
4. Lab Test Report (Photocopy)
5. Doctor’s Prescription ( where mentioned as life threating disease )  

8.00% in Karmashil Bachat Khata and 7.00% in New Smart Talab Khata,Smart Plus Saving Account and M-Smart Bachat Khata.

The documents required for opening an account are: recently taken passport size photo and copy of citizenship.

The documents required to open an account for an Indian Citizen are: Aadhar Card and Certificate from Indian Embassy.

You can proceed for online account opening by clicking this link (https://account.machbank.com/Online-account-opening-form) or visiting our official website (https://www.machbank.com). It should not take more than 5 minutes to apply. Before you begin, please ensure you have the following:

• Photo of your valid ID (citizenship, passport) - you can take photo from your mobile or scan as per your convenience.
• Your recent photograph- taken from your mobile or digital photographs as per your convenience.
• Signature Specimen- you can sign in a blank sheet and take the photo from your mobile or scan as per your convenience.
• You can watch our step-by-step tutorial video on how to open online account from this link https://youtu.be/saHG8HWED3I

Following account category cannot be opened through online:

• Current Account
• Salary Account
• Joint Account
• Minor Account
• Foreign Currency (FCY) Account
• Samman Bachat Khata

The account shall be dormant if transactions is not done for more than 3 years in saving account and 6 months in CALL/Current account. You must visit any of MBL branches to activate the account.

Minor is not eligible to apply for debit card by directly. However, operator of minor can apply for the card by visiting the bank’s branch. 

You can deposit money from foreign country to own account through Remittance and SWIFT.

The subscription and renewal charge of Debit Card is NPR. 350.

Transaction limits for India (INR.) and Bhutan (Nu.) are:
15,000 per day and 1,00,000 per month.

The charge for using debit card in India (INR.) and Bhutan (Nu.) is NPR 250 per transaction.

Transaction limits for India (INR.) and Bhutan (Nu.) are:
1,00,000 per day and 1,00,000 per month. 

Transaction limits are:

• NPR. 25,000 per transaction
• NPR. 1,00,000 per day
• NPR. 4,00,000 per month.

Transaction limits are:

• NPR. 1,00,000 per day
• NPR. 4,00,000 per month.

There is no any charge for using debit card in Nepal at MBL terminal and other bank ATM terminal.

We ask for your e-mail address so as to deliver right information to the right person and  for the financial security of valued customer.

No.

Credit Card is a plastic card that provides its card holder a revolving line of credit that is provided to trust and high profile customer.

Validity of Credit Card is 5 years.

There is no compulsion to open an account for Credit Card. However, it would be better if you open an account.

MBL offers following nature of Card:

• Student Credit Card
• Normal/Supplementary Credit Card

• Duly filled application form
• Annual Salary Certificate from the Employer in office letter head
• Bank statement of 6 months
• One passport size latest photograph
• Copy of Citizenship/ valid passport
• Location map of residence

• Duly filled application form
• Latest passport size photograph
• Copy of citizenship/passport
• Location map of residence
• Firm/company registration certificate, PAN/VAT Certificate, tax certificate
• Audited financials/management prepared financial
• Business in operation independently at least for 2 years (Not Applicable for Professionals).

• Duly filled application form
• Latest passport size photograph
• Copy of citizenship/passport
• Location map of residence
• Copy of blue book if the applicant owns a Car/Vehicle registered in his/her own name
• Rental Agreement - valid for additional one year
• Tax paid receipt
• Copy of land/building ownership certificate if the applicant possesses land/building registered in his/her own name.

No, it is not  mandatory to visit the branch for DEMAT subscription for existing account holders while non-account holder has to visit branch once to avail DEMAT account service.

• DEMAT Subscription:NPR. 50
• DEMAT Renewal: NPR. 100

• Mero share subscription: NPR. 50
• Annual Charge: NPR. 50

Yes, one can open CRN via online.

Yes, one can use Internet Banking Service through personal phone. However, one need to activate the service through PC for the first time.

International credit card is dollar card which offers the most convenient way to hold and access currency abroad or online. It is a secured, hassle-free and convenient solution to the peril of carrying physical cash during travel and to provide credit/overdraft facility.

• Customer maintaining FCY account with MBL and others banks and FI’s.
• Customer Eligible for FCY Exchange Facility as per NRB.
• Minimum of Age 18 year and guarantor required in case of age more than 65.
• Clean status (No blacklist or any imprison status).
• Applicant must have a valid FCY income source.

• Dully filled application form.
• Documentary evidence of income of foreign currency.
• Documents required to avail FCY exchange facility.
• (Valid passport, ticket and Visa) Latest Passport size photo.
• Identification documents. KYC documents to open Bank account.

• Validity period for 5 years as prepaid dollar card i.e. 2 years.
• Embossed printed card as prepaid dollar card has no such features.
• Worldwide acceptance with low error in transaction.
• Priority pass shall be provided to customer having USD or equivalent of 5000. Web service shall be (Is in process) available in MBL M smart where customer can facilitate with view statement option and card block/unblock features.
• Retain FCY deposit account.
• Credit period of maximum 45 and minimum 15 days.

On 6 th of every English month of calendar credit cards statement are generated. The payment date is on 20th of every English Month of calendar.

• You should have an active account in MBL.
• Visit the nearest MBL branch and submit a duly filled and signed MBL Internet Banking Form.

To register for corporate Internet Banking service, one should have an active current account with MBL, and should submit duly filled and signed MBL Corporate Internet Banking Application form. The required documents are as:

For Public and Private Limited Companies and Social Organizations:

- A board minute, which should clearly state the following details:

• Name and designation of authorized person to operate MBL Internet Banking
• Whether to allow transacting facility or not
•  Registered email address and mobile number 

Sample board minute can be downloaded from download section in our website

For Partnership:

-An authorized letter clearly stating the following details:

• Name and designation of authorized person to operate MBL Internet Banking
• Whether to allow transacting facility or not
•  Registered email address and mobile number 

• First of all, you need to get your login details which was send to your registered email. You can now login using any device having internet access.
•  Open web browser (eg. Google chrome, Mozilla Firefox, safari etc.) and type https://ibank.machbank.com/ in the address bar.
•  You will see the login screen where you enter your Internet Banking credentials sent by the bank.
•  Wait for One Time Password (OTP) in your email and/or mobile and enter the OTP.
• View your account details and click Proceed button.
• You will get a screen, which will prompt you to choose the primary account and change the Password.
•  If you have been successful in changing your password, you will be redirected to the login screen where you should use your new password to login.
•  Answer security questions displayed and remember answers to those security questions
•  Now, you can view the dashboard with all your account information and enjoy doing your banking activities.

You need to visit the nearest MBL branch for resetting the password of internet banking. You will receive new password in your registered email.

Login to your Internet Banking Account. On the left of the dashboard you will see Services where you can find Change password option.

You have only one password for Internet Banking i.e. Login password which is required to login to your Internet Banking account. OTP will be used for completing transactions.

OTP stands for One Time Password. It is random and is 7 characters long, which is system generated. It is sent by bank to the customers’ registered mobile number and/or email address every time while initiating a transaction through Internet Banking. Customer needs to fill OTP when prompted to complete the transaction/activity.

Yes, if the customer-ID of your accounts is the same, then all accounts would be displayed automatically under the single Internet Banking user ID. However, if the accounts are registered under different Customer IDs, you will have to request for separate Internet Banking user credentials.

Yes, you can transfer funds within your accounts, or other accounts within MBL, or to any other bank’s accounts.

In case the Customer-ID of the accounts is same, all of your accounts will be displayed automatically under a single Internet Banking user ID. However, in case the accounts are registered under different Customer-IDs, you will have to request for separate Internet Banking user credentials.

Yes, you can download the statement from your Internet Banking and save in your PC.

On the left side of the dashboard click on “Account”. You will see the list of all your linked accounts. On the right of every account, you will see “Statement”. Now you can choose date and download the statement in PDF and/or Excel.

The URL starts with https:// – with the LOCK icon present on the address bar. You can view the site details by clicking on the lock icon.

You have an important role in ensuring security of your access to bank accounts over the internet. For secure internet banking transactions, you must:

• Update your PC with latest anti-virus and operating system patches
• Install personal firewall and anti-spy to protect your PC from internet attacks
• Do not reveal your password to anyone. Never provide your User ID or password to any one on phone or in response to a mail. Report a suspicious mail.
• Do not enter login or other sensitive information in any pop-up window.
• MBL does not ask you for any personal information other than your user ID and password when you log into https://ibank.machbank.com/
• Always exit using “Logout” button
• Keep changing your passwords frequently
• Always read the online security tips/important message provided on the bank’s website
• Do not leave your Internet Banking session unattended

The dynamic keyboard should ideally be used at all times, especially when you are logging in from the computer that is not yours, or in a public area like cyber cafe.

Your all accounts may not have same Customer ID. If your accounts having the same customer ID is not visible, please contact your nearest MBL branch to add those accounts.

For change of address and/or email id, please update your KYC at the nearest MBL branch.

• Click on Payments Tab
• Select Credit Card Bill Payment from the Merchant Group
• Select Credit Card Payment in Pay For tab
• Enter the Amount and Credit Card Number and click on Submit
• Click on Proceed, then enter the OTP and click on Confirm. Your payment will be made.

OR, On your dashboard, hover you mouse over “Quick Pay” section, you will see “view All” as at top right of Quick Pay section. Click on View All - Credit Card Payment. Then, enter the Amount and Credit Card Number and proceed as above.

The QR code term stands for Quick Response Code. QR codes are square barcodes (two-dimensional barcodes). Like any other barcode, a QR code is nothing more than a way to store information in a machine-readable optical label. QR Code used by Fonepay is a two-dimensional barcode to enable customers make different kind of payment transaction.

• To register through Fonepay merchant registration portal, merchant/Bank Staff visits the URL https://acquirer.fonepay.com/#/login and process for sign up
• For offline enrollment, please visit our nearest branch.

On IOS Device

• Login to the MBL Mobile Banking application
• Click On the + Sign on the bottom-mid of the display
• Click on Scan to Send /Receive Money icon
• Scan the Code placed at merchant location/merchant’s mobile device
• Proceed to Make Transaction

On Android Device

• Open MBL Mobile Banking application (MBL M-Smart)
• Swipe right
• Scan the QR Code placed at merchant location/merchant mobile device
• Enter the details and proceed to make transaction

Immediately. Once the merchant has been approved in the Fonepay platform, Log in Id and password of Fonepay Merchant Application shall be sent to the registered email address and mobile number of the merchant. By logging in to the Fonepay merchant app, the merchant can immediately start transaction using either Static, or Dynamic QR Code. It may take up-to 15 days to deliver the printed(static) QR Code from Fonepay network.

Dynamic QR is a code generated by the merchant for each individual transaction, Merchant can login to Fonepay Merchant app, and generate dynamic code for each individual payment.

No, the service and QR related merchandise will be providing by MBL free of cost.

It will depend upon type of business and volume of transaction per month. However, at present no MSF charges will be levied until further notice.

Case I: If the PAN is registered under the account holder’s name, then we can link the QR with saving account of the proprietor.

Case II: If the PAN is registered under the Company’s name, then the QR must be linked with current account.

Foneloan is a digital lending service offered by Machhapuchchhre bank to provide small short-term loans instantly to bank’s customers through their mobile banking app.

Customer need to use bank’s mobile banking application (MBL M-Smart) to register and apply for Foneloan. Loan approval happens automatically and the loan amount is deposited to customer’s account instantly, with whole process completed within few minutes.

These pre-approved loans are available to banking customers deemed eligible by an automated analytics system as per the criteria set by the bank. Be it for fulfilling ones wishes or cash emergencies, Foneloan is readily and instantly available to banking customers, anytime anywhere.

• Contact Less Digital Lending Experience:  Entire lending process happens through mobile banking; No bank visit, No paper work, no hassle of conventional credit application process.
• Instant Loan: All process of loan application, approval and disbursement done instantly at real time, within few minutes.
• Collateral Free Loan: Lending based on analytical study of customer’s banking transactions; no collateral required
• Micro Loans: Can apply even for small loan amounts, ranging from NPR 5,000 to upto 2 lakhs.

Foneloan is available in following two modalities:

1. Repayment within 1 month

Customer can take loan and make the complete repayment within 1 month

2. Repayment in Equal Monthly Installments (EMI)

Customer can take loan for 3, 6, 9 or 12 months and make the repayment through equal monthly installments.

For 1 month model, the minimum loan amount is NPR 5000/- and the maximum amount is NPR 200,000/-

Also, for EMI model, the minimum loan amount is NPR 5,000/- and the maximum amount is NPR 200,000/-

However, loan limit for individual customer is determined by the analytics software, which shall be within the ranges mentioned above. A customer cannot take the loan amount higher than the limit assigned by analytics software.

• For 1 month model, applicable loan tenure ranges from 1 to 30 days.
• For EMI model, applicable loan tenures are 3 months, 6 months, 9 months, and 12 months.

However, applicable loan tenures for individual customer are determined by the analytics software, which shall be among the options mentioned above.

Foneloan Buy Now Pay Later model refers to using Foneloan to make credit payment through QR code transaction. Foneloan customer can visit any merchant who accepts fonepay QR, make the purchase, then scan the fonepay QR using the mobile banking app. Foneloan customer sees two options in the mobile banking app, to Pay Now or Buy Now Pay Later. If Pay Now is clicked then customer’s bank account is debited and payment is made to the merchant.

If customer clicks Buy Now Pay Later, customer is routed to Foneloan system, where one can chose the loan modality & tenure. Loan is executed and the payment is made to the merchant instantly. Customer shall make the repayment to the bank later, within 1 month or in EMIs.

Foneloan Buy Now Pay Later model can be used to make payments to any merchant which accepts fonepay QR

Currently bank is offering this service exclusively to individual customers who have payroll/salary accounts in the bank or have regular income deposited in bank’s account. Hence, this service is not applicable to all customers of the bank. However, it can be expanded in the future to include other customers as well.

No, Foneloan uses an intelligent analytical system which studies the transaction history and other relevant factors of customers’ accounts in the bank and generates individual scores based on its analysis. Only those customers meeting the threshold score set by the bank will be eligible to apply for Foneloan.

Among others, the main factors considered by the analytical system are average monthly salary/ deposit average monthly withdrawals, average monthly balance, continuity of salary/ deposit, variance in salary/ deposit, status of existing loans, history of previous loans etc.

Yes, the intelligent analytics system continuously scans all accounts categorized by the bank to be considered for Foneloan. Over a time period, if a customer’s banking transactions and other factors change positively based on the factors set by the bank, his/her score can improve and thus become eligible for Foneloan. However, the reverse scenario can also be applicable, eligible customer becoming ineligible in future due to reduction in transaction and the score.

Foneloan is available to customers through bank’s mobile banking app. Once logged in to mobile banking app, an eligible customer will see the Foneloan icon/banner on the dashboard. Ineligible customers will not have Foneloan icon in their mobile banking app.

Yes. Foneloan is a service available only through bank’s mobile banking app. Please download your bank’s mobile banking app from Play Store or App Store and activate your mobile banking service if you haven’t already. Kindly contact the bank if you face any problems while doing so.

On loan maturity date (payback date) or EMI repayment date, the principal amount plus applicable interest amount or EMI amount is automatically debited from the customer’s account and the loan/EMI is settled. Customers need to maintain the required balance in their account to settle the outstanding payable amount, otherwise the loan or EMI amount will go into overdue status. Daily interest, penal interest and late fees becomes applicable for loan/ EMI amounts that are overdue.

Yes, the application allows the customer to choose the EMI payment date, as per their convenience. However, the EMI payment date should be within 30 days from the date of loan initiation.

No, Foneloan is a collateral free, paperless automated loan. The intelligent analytics system determines eligible customers and the credit limit and loan tenure available to each eligible customer.

No, customers set their own maturity date in case of 1 month model and the analytics system determines the loan tenure in case of EMI model. Prepayment of Foneloan before the maturity date (payback date) or the tenure is not allowed.

No, you will have to completely settle your existing Foneloan first to apply for another Foneloan.

To avail Foneloan service, customer will have to pay following charges to the bank:

• Processing Fee: As per Standard Tariffs and Charges.
• Interest on principal amount till maturity date: As per Standard Tariffs and Charges.
• Late fee and penal interest charges in case of overdue loans / EMI. As per Standard Tariffs and Charges.

MBL Insta Pay is the product under credit card for the financing of the consumer durables where customers can enjoy facility to buy their item of interest and pay on EMI.

To use our Insta Pay facility, you first need to have MBL credit card, once you have credit card limit on your hand, you simply need to fill up Insta Pay application from and submit it to your nearest branch of Machhapuchchhre Bank Limited.

You need to provide quotation of goods/services you are willing to buy along with Insta Pay application form.

Once you are approved to get Insta Pay facility from bank’s side, your credit card limit shall be blocked and converted into EMI. Your limit gets released only when you pay your monthly installments.

Bank will auto-enable standing instruction on your saving account to enable debit of monthly payments for EMI. Please make sure you keep sufficient balance in your account to cover for EMI amount.

In case you don’t maintain account or do not have sufficient balance in account or wish to pay the amount early, you can pay by filling credit card voucher from nearest MBL branch.

In addition, you can also pay your Installment from Connect IPS, Esewa, Mobile Banking of different banks and FI’s and Internet Bank.

You will be charged certain upfront fee on the basis of tenure you choose to avail Insta Pay Facility. On certain circumstances, your merchant shall pay the bank on your behalf.

Upfront fee differs with the price of product/service and tenure you choose to repay all your EMI’s.

You will get your monthly statement on 6th of every English calendar month in your email and you are supposed to pay it by 20th of the same month. If part payments, financial charges will be levied in the total outstanding amount from the installment date @ 2% PM.

Bank shall charge you interest and late payment fee on the basis of your overdue date.

Minimum purchase amount to avail Insta Pay will be NPR 15,000 and maximum amount will be NPR 1,000,000

You are eligible to get the products worth twice of your credit card limit. If you wish to buy products of more than your eligible limits, you need make down payments to the merchants accordingly.

You have an option to select the repayment tenure from 6 months to 36 months.

• Purchase of Home Appliances
• Purchase of Electronic Gadgets
• Purchase of Holiday packages
• Purchase Furniture and Furnishing items
• Purchase Gold and Diamond Ornaments
• Purchase Bike and Scooters
• Payment of Insurance Premium