The information contained in this Certification is sought pursuant to Sections 5318(j) and 5318(k) of Title 31 of the United States Code, as added by sections 313 and 319(b) of the USA PATRIOT Act of 2001 (Public Law 107-56).

This Certification should be completed by any foreign bank that maintains a correspondent account with any U.S. bank or U.S. broker-dealer in securities (a covered financial institution as defined in 31 C.F.R. 103.175(f)). An entity that is not a foreign bank is not required to complete this Certification.

A foreign bank is a bank organized under foreign law and located outside of the United States (see definition at 31 C.F.R. 103.11(o)). A bank includes offices, branches, and agencies of commercial banks or trust companies, private banks, national banks, thrift institutions, credit unions, and other organizations chartered under banking laws and supervised by banking supervisors of any state (see definition at 31 C.F.R. 103.11(c)). *

A Correspondent Account for a foreign bank is any account to receive deposits from, make payments or other disbursements on behalf of a foreign bank, or handle other financial transactions related to the foreign bank.

Special instruction for foreign branches of U.S. banks: A branch o r office of a U.S. bank outside the United States is a foreign bank. Such a branch or office is not required to complete this Certification with respect to Correspondent Accounts with U.S. branches and offices of the same U.S. bank.

Special instruction for covering multiple branches on a single Certification: A foreign bank may complete one Certification for its branches and offices outside the United States. The Certification must list all of the branches and offices that are covered and must include the information required in Part C for each branch or office that maintains a Correspondent Account with a Covered Financial Institution. Use attachment sheets as necessary.

A. B.	The undersigned financial institution, Laxmi Bank Limited ("Foreign Bank") here by certifies as follows: Correspondent Accounts Covered by this Certification: Check one box.
		This Certification applies to all accounts established for Foreign Bank by Covered Financial Institutions. This Certification applies to Correspondent Accounts established by Laxmi Bank Limited (name of Covered Financial Institution(s)) for Foreign Bank.
C.	Physical Presence/Regulated Affiliate Status: Check one box and complete the blanks.
		Foreign Bank maintains a physical presence in any country. That means:
			Foreign Bank has a place of business at the following street address: Adarsha Nagar P.O.Box : 61, Birgunj, Nepal, where Foreign Bank employs one or more individuals on a full-time basis and maintains operating records related to its banking activities. The above address is in Nepal, where Foreign Bank is authorized to conduct banking activities. Foreign Bank is subject to inspection by Nepal Rastra Bank, the banking authority that licensed Foreign Bank to conduct banking activities.
		Foreign Bank does not have a physical presence in any country, but Foreign Bank is a regulated affiliate. That means:
			Foreign Bank is an affiliate of a depository institution, credit union, or a foreign bank that maintains a physical presence at the following street address: __________________________________, where it employs one or more persons on a full-time basis and maintains operating records related to its banking activities. The above address is in ______________________________ (insert country), where the depository institution, credit union, or foreign bank is authorized to conduct banking activities. Foreign Bank is subject to supervision by ____________________, (insert Banking Authority), the same banking authority that regulates the depository institution, credit union, or foreign bank.
		Foreign Bank does not have a physical presence in a country and is not a regulated affiliate.
D.	Indirect Use of Correspondent Accounts: Check box to certify.
		No Correspondent Account maintained by a Covered Financial Institution may be used to indirectly provide banking services to certain foreign banks. Foreign Bank hereby certifies that it does not use any Correspondent Account with a Covered Financial Institution to indirectly provide banking services to any foreign bank that does not maintain a physical presence in any country and that is not a regulated affiliate.
E.	Ownership Information: Check box 1 or 2 below, if applicable.
		1. 2.	Form FR Y-7 is on file. Foreign Bank has filed with the Federal Reserve Board a current Form FR Y-7 and has disclosed its ownership information on Item 4 of Form FR Y-7. Foreign Bank's shares are publicly traded.Publicly traded means that the shares are traded on an exchange or an organized over-the-counter market that is regulated by a foreign securities authority as defined in section 3(a)(50) of the Securities Exchange Act o f 1934 (15 U.S.C. 78c(a)(50) ).
		If neither box 1 nor 2 of Part E are checked, complete item 3 below, if applicable.
		3.	Foreign Bank has no owner(s) except as set forth below. For purposes of this Certification, owner means any person who, directly or indirectly, (a) owns, controls, or has power to vote 25 percent or more of any class of voting securities or other voting interests of Foreign Bank; or (b) controls in any manner the election of a majority of the directors (or individuals exercising similar functions) of Foreign Bank. For purposes of this Certification, (i) person means any individual, bank, corporation, partnership, limited liability company or any other legal entity; (ii) voting securities or other voting interests means securities or other interests that entitle the holder to vote for or select directors (or individuals exercising similar functions); and (iii) members of the same family* shall be considered one person. Name Address
F. G.	Process Agent: complete the following. The following individual or entity:_________________ is a resident of the United States at the following street address: _____________________________________________, and is authorized to accept service of legal process on behalf of Foreign Bank from the_________________________________ * The same family means parents, spouses, children, siblings, uncles, aunts, grandparents, grandchildren, first cousins, stepchildren, stepsiblings, parents-in-law and spouses of any of the foregoing. In determining the ownership interests of the same family, any voting interest of any family member shall be taken into account. Secretary of the Treasury or the Attorney General of the United States pursuant to Section 5318(k) of title 31, United States Code. General Foreign Bank hereby agrees to notify in writing each Covered Financial Institution at which it maintains any Correspondent Account of any change in facts or circumstances reported in this Certification. Notification shall be given within 30 calendar days of such change. Foreign Bank understands that each Covered Financial Institution at which it maintains a Correspondent Account may provide a copy of this Certification to the Secretary of the Treasury and the Attorney General of the United States. Foreign Bank further understands that the statements contained in this Certification may be transmitted to one or more departments or agencies of the United States of America for the purpose of fulfilling such departments' and agencies' governmental functions. I, Chandra Bahadur Thapa (name of signatory), certify that I have read and understand this Certification, that the statements made in this Certification are complete and correct, and that I am authorized to execute this Certification on behalf of Foreign Bank. Laxmi Bank Limited [Name of Foreign Bank} ____________________ [Signature] ____________________ [Printed Name] Chandra Bahadur Thapa / Senior Officer [Title] Executed on this 24 day of October, 2005 Received and reviewed by: Name: ________________________________ Title: ________________________________ For: _________________________________ [Name of Covered Financial Institution] Date: _______________________