4.2 Types of Customer

The individuals: the capacity's faces (the sound-mind; the identity — the KYC). The minors: the account's opening (the minor's own account — the savings permitted; the contractual incapacity's law (the minor's contract voidable — the banker's caution); the guardian's operation (the parent- guardian's mandate)); the overdraft's bar (the minor not liable — the banker's exposure). The private firms: the proprietor's account (the firm = the owner — the personal liability). The partnership firms: the account's mandate (the partners' authority — the ordinary-course banking (any partner's mandate binding unless the bank notified)); the death-and-insolvency's notice (the mandate's termination). The companies and corporations: the incorporation's documents (the MoA-AoA, the board's resolution — the account's authority); the signatories' mandate (the directors-officers authorised); the company's separate person (the account the company's — the Unit LAW 504 doctrine's banking face). The other body corporate (NGOs, INGOs): the registration-and-governance documents (the statute, the executive's resolution); the foreign-institution faces (the registration under the Nepali law, the repatriation rules).