About EEFS

European Education for Further Studies Connect people worldwide with learning opportunities and creative ideas from all over the world and build lasting Relationship between the countries. Our purpose is to build mutually beneficial relationships between people and countries and increase appreciation of the creative ideas and achievements. EEFS Is involved with is Non Banking Finance Corporation (NBFC) licensed by the Reserve Bank of India (RBI). EEFS is the first and only NBFC which focuses exclusively on education loans. DSP Merrill Lynch Capital Limited is a minority investor in Credila Financial Services DSP Merrill Lynch Capital Limited is a subsidiary of Merrill Lynch. Merrill Lynch is one of the world's leading wealth management, capital markets and advisory companies, with offices in 40 countries and territories and total client assets of almost US$ 1.7 Trillion. (<http://www.ml.com>) Currently EEFS has its India offices at Kolkata. Eurpean Education for further studies is gateway to European Education which covers Europe, U.K., Canada, U.S.A., Australia.Last year more than 1.5 lacs Students gone for Overseas Education. Student from more than 150 Countries going for Overseas Education. Concerned College will provide you a large-scale placement programme by working together with many partner companies around the Globe. Our mission is to guide the student for high quality education of an applied nature meeting the changing requirements of the world, and preparing students for the challenges they will meet in their future careers. The student will become professionally oriented the student are designed to meet the requirements of the business and the industrial sector of the business and the industrial sector of the community around the world. This is the age of global village and international competition means all the world best companies required a international talent in student because study abroad means. Students are able to acquire world best education, working Habit and cosmopolitan. Which is essential for Working in multinational company or setting up own world level company. So after the study it will open the International Career . European Education for further Studies is preluding quality education service to thousand of student to all over the Globe . The conventional system of Education, that per supposes a captive classroom situation, a rigid time table and a slower pace of learning is now getting obsolete. Most modern & flexible system of learning. Engage with EEFS it means you engage with the world. With the international learning opportunity made available students can discover their own talents and identify new areas to interest. European Education for further studies opening door & creating opportunity your life, talent (skills) & future. European Education for further studies recognise the power of education, science and training to develop long lasting linkage between between countries and their peoples. There is a realization that any country economic and Social future will be built around the knowledge economy. Today the entire world is standing on a Global Economy will be gadget from the strength of its young generation, particular their capacity to come to terms with the changing global employment market. Student from all around the world have long made their overseas education destination. The four reason make students Distinctly superior and smarter in terms of personality & Intellectual. Discover the powerful future leader inside yourself by joining and let the ground running with the top of the league placement. In the light at globalisation aims to create a new generation of entrepreneurial managers, who can face with confidence emerging challenge a International markets. European Education for further Studies make you a journey without expectation. European Education for further Studies make strong relationship between student & overseas College. All round Development of Studies, Overseas College put strong emphasis on nurturing student all-round qualities, particular in the area of global outlook, critical and innovative thinking, cultural appreciation, entrepreunership & leadership. We see to achieve this object by general education programmes Complementing professional studies. Student exchange programme among all the developed countries which include Europe, U.K. USA, CANADA, Australia and other for e.g if student want to change the country then after completing one year of study he can change it. Activities to promote cultural appreciation among students. Promoting & Developing a bilingual culture on

campus. College provide a variety of teaching and assessment methods to encourage independence as well as mastery of the subject this relevant skill is demanded by world top Companies. High quality education & worldwide recognition. Enhance Career prospects & International job opening. EEFS Will Provide world best education and Great Career in terms of job and high end Money. The conventional system of Education, that per supposes a captive classroom situation, a rigid time table and a slower pace of learning is now getting obsolete. Most modern & flexible system of learning. Engage with EEFS it means you engage with the world. With the international learning opportunity made available students can discover their own talents and identify new areas to interest. European Education for further studies opening door & creating opportunity your life, talent (skills) & future. Career pathway planning , Psychometric Testing /Written Test ,Interview ,Accommodation ,Recommendation Visa Support ,Foreign exchange ,Financial Service,,Pre Departure, Branch-less Education Loan Program: EEFS has developed its systems to cater to students from across the country. This immediately connects with and attempts to resolve the key issue of visiting bank branches multiple times during the education loan process Up to 100% of finance Partial Collateral is accepted More than one co-borrower accepted Multi-location co-borrower accepted Customized loan products with due consideration to academic credential & need Door step service for documentation Quick & efficient service that does not jeopardize students visa application Facility to repay in dollars from the US & online account management services Students view EEFS as : one more option. Whats there to lose? Please find the partial list of colleges where EEFS Partner has funded education loan & Provided other services University Of Texas, At Austin , Austin TX Sabena Airline Training Center , Mesa AZ Pittsburg State University , Pittsburg KS Stevens Henager College , Murray UT University Of Southern California , Los Angeles CA Missouri State University , Springfield MO Purdue University , West Lafayette IN New York Institute of Technology ,Old Westbury NY Emerson College ,Boston MA University of Missouri - Columbia ,Columbia - MO University of Illinois , Urbana - Champaign ,Champaign - IL Columbia University in the City of New York New York The Ohio State University-Fisher College Columbus - OH Illinois Institute of Technology ,Chicago - IL Cornell University ,Ithaca - NY Northeastern University Boston MA Clemson University ,Clemson - SC Illinois Institute of Technology , Chicago - IL Lamar University ,Beaumont - TX University of California , Riverside ,Riverside - CA Stratford University ,Falls Church - VA National University San Diego ,San Diego Cornell University ,Ithaca - NY

Illinois Institute of Technology ,Chicago - IL University of Houston - Clear Lake , Houston - TX University of Mary Hardin - Baylor ,Belton - TX University Of Southern California , Los Angeles CA Emerson College ,Boston MA University of Rochester ,Rochester - NY Florida Institute of Technology ,Melbourne - FL San Jose State University ,San Jose - CA San Diego State University ,San Diego - CA Lawrence Technological University ,Southfield - MI Georgia Institute of Technology ,Atlanta - GA University of San Francisco ,San Francisco - CA The Ohio State University-Fisher College , Columbus - OH Long Island University - Brooklyn Campus , Brooklyn - NY Texas A&M International University , Laredo - TX The Ohio State University , Columbus - OH University of Illinois , Urbana - Champaign ,Champaign - IL Orlando Flight Training ,Kissimee - FL University of Rochester ,Rochester - NY Emerson College ,Boston MA University of Rochester ,Rochester - NY University Of Southern California , Los Angeles CA Sam Houston State University , Huntsville - TX State University of New York Institute of Technology , Utica Utica - NY Esade Business School, Barcelona Edith Cowan University , Churchland Saint Mary's University Halifax - Nova Scotia University of Leeds, Leeds - UK University of Strathclyde ,Glasgow - Scotland - UK University of Surrey , Guildford - Surrey - UK College of Technology London ,London - England - UK University of Warwick ,Warwick - Coventry - UK Thames Valley University ,London - UK Lancaster University Management School ,Lancaster - England - UK University of Oxford ,Oxford - England - UK Staffordshire University Stoke-On-Trent - UK London Metropolitan University , London - England - UK University of Oxford , Oxford - England - UK University of East London, London - UK Lancaster University Management School , Lancaster - England - UK The University of Buckingham ,Bunkingham - England - UK University of Leeds ,Leeds - UK St. Patrick's College London ,London - UK University of Wales Institute , Cardiff, Wales - UK The University of Buckingham , Bunkingham - England - UK University of Strathclyde ,Glasgow - Scotland - UK And Lot more for Detail See University / Organisation Section of the Website

STUDENT LOAN Student Advantage

Upto 100 % Finance ( Fees & Other Expense ) Fast Application Processing Education stands between poverty and prosperity. Education transforms lives! Education opens doors of opportunities! EEFS offers education loans to: Indian and Foreign students going to the USA, UK, EUROPE, CANADA, AUSTRALIA or already in the FOREIGN COUNTRY. Indian students attending colleges in India Money paid for education is the best investment anyone can ever make. Availability of the education loan, at the appropriate time, can make your dreams come true! EEFS aspires to help deserving bright Indian students achieve their dreams of higher education. Benefits to Students Students can apply for loan at the time of applying to Foreign Universities & College demonstrating funds availability, facilitating admission to the desired University Counselors bring Education Loan options for the students at their location Counselors help avoid delays involved in multiple visits to bank branches. Students know ahead of time about funding status to decide on appropriate US courses, etc. Optional Services that can be brought in by EEFS at the doorsteps of the education counselors International Student ID cards Helping students save on Foreign Exchange transactions Help to locate appropriate health insurance for the Foreign Country Services Offered by EEFS to Strategic Partner Counselors Access to EEFS network of the Foreign Universities & College keen on partnerships in India to recruit Indian students Access to EEFS robust and one of the most comprehensive databases of the Foreign Universities & College Access to other proprietary information including university comparisons to identify best suited courses, potential starting salaries after graduation, etc Access to EEFS US support services like identifying H1 B lawyers for students Access to EEFS network of short-term/temporary housing when students land in the Foreign Universities & College Access to EEFS network of airport pick up services from Foreign airports Competitive advantage for consultants over other such organizations

Study In India Loan

EEFS understands students and their needs! Students face many challenges while securing education loans. Some of the issues faced by students include: Flexibility in terms of the loans which need to be customized to the requirements of the students and their respective courses Ability to find the required margin money (portion of the fees that is to be paid by students/parents which is not covered by the loan) Required loan amount is more than the value of the collateral security Ability to prove that the University, College and the applied Course is appropriate. (This can be quite

challenging if the decision maker is not aware of the thousands of valid and accredited educational choices available in today's fast changing world of education) Ability to get the loan approval letter in time to meet the admission related deadlines Ability to get appropriate customer service during the repayment cycle Ability to get web-based access to the loan account with web enabled transaction processing inclusive of electronic payments, etc. EEFS is a specialized lender for education loans. EEFS has invested time and resources to set up appropriate systems, processes and know-how related to the education industry. EEFS has numerous databases on education sector. EEFS credit scoring model for the approvals of loans is designed specifically for education loans. EEFS, therefore, understands problems, challenges and issues faced by the students and their parents. EEFS objective is to work closely with students and parents to try to identify the appropriate education loan programs for them.

Study in Foreign Country Loan

EEFS understands students and their needs! Students face many challenges while securing education loans. Some of the issues faced by students include: For students going to the USA, UK, Canada, Australia, etc. there are number of activities and formalities which take away the time. Running around from one branch to the other and doing multiple rounds for education loans get very difficult Visa interview deadlines keep approaching fast and the education loan approval letter is required well in time to set up the visa interview. Hence, there is a tremendous time pressure to get education loan in time Flexibility in terms of loans which need to be customized to the requirements of the students and their respective courses Ability to find the required margin money (portion of the fees that is to be paid by students/parents which is not covered by the loan) Required loan amount is more than the value of the collateral security Ability to prove that the University, College and the applied Course is appropriate. (This can be quite challenging if the decision maker is not aware of the thousands of valid and accredited educational choices available in today's fast changing world of education) Ability to repay the loan from the Foreign University & College Ability to have customer service from the Foreign University & College with a toll free number Ability to get web-based access to the loan account with web enabled transaction processing inclusive of electronic payments, etc. EEFS is a specialized lender for Education Loans. EEFS has invested time and resources to set up appropriate systems, processes and know-how related to the education industry. EEFS has numerous databases on education sector. EEFS credit scoring model for the approvals of loans is designed specifically for education loans. EEFS, therefore, understands problems, challenges and issues faced by the students and their parents. EEFS objective is to work closely with students and parents to try to identify the appropriate education loan programs for them.

Student Loan Product

This is an Indian Rupee denominated student loan for following students: Indian students going overseas for Study and Indian students attending colleges in India The loan will be disbursed in India in Rupees which can be converted in foreign currency, if needed, by the student. Repayments of the loan to be made by the borrower in Indian Rupees only.

Eligibility Borrower must be an Indian citizen Co-borrower must be an Indian citizen Borrower must be 18 years of age or older Co-borrower must have a bank account in any bank in India with check writing facilities Confirmed admission in the colleges before disbursement Borrower and Co-borrower to meet EEFS underwriting criteria Co-Borrower Requirement The loan will be co-signed by a co-borrower in India A co-borrower is mandatory for all the student loans The co-borrower can be parent, brother, sister, guardian, or any other relative Co-borrower's role would be, necessarily, like the primary debtor What Costs Are Covered? All of the tuition fees as determined by the college/University Up to 75% of other expenses including living expenses, books, etc. as determined by the college/University Up to INR 50,000 for travel to abroad from India, if applicable Loan Amount Minimum Loan Amount Indian Rupees 1,00,000 Lifetime Maximum Loan Amount Indian Rupees 20,00,000 Rate of Interest Rate of interest will be floating rate of interest linked to EEFS Benchmark Lending Rate (CBLR) The floating interest rate will calculated monthly based on the prevailing CBLR at the beginning of the month The interest will be calculated using Simple Interest Rate Floating rate of interest to be EEFS CBLR + 1.00% per annum Loan Disbursement The loan amount will be disbursed in Indian Rupees EEFS servicer will disburse the tuition fee directly to the educational institute The tuition fee will be disbursed in installment as per the requirement of the specific educational institute The loan amount related to other expenses will be disbursed in installments spread over the duration of the study Loan Re-payment Terms Loan Interest Re-payment 1.Loan interest re-payment will start immediately after disbursement of the first installment of the loan Loan Principal Amount Re-payments must commence 1.After 6 months of completion of studies by the borrower or 2.3 month after borrower getting an employment or starting a business or 3.3 month after borrower discontinuing the educational program, whichever is earlier. The principal and interest is repayable in 90 monthly installments Monthly repayment amount will be deducted from the bank account of the borrower/co-borrower using Electronic Clearing System (ECS) Post Dated Checks (PDC) to be collected as security cheques from the borrower/co-borrowers Collateral The following types of collateral are accepted

1.Non-Agricultural Land 2.House 3.Apartment/Flat A life insurance policy for the student, assigned in favor of Credila, for the value of at least the amount of loan approved Education Loan Product Details Loans up to 100% of the tuition fees plus living expenses Collateral security value can be less than 100% of the loan amount More than one co-borrower can be accepted Customized loan products based on individual student needs Competitive Rates Of Interest Maximum loan amount of Rs. 20 Lakhs Typical Tenure of the loan to be 2 Years In College + 5 Years Repayment = Total Tenor: 84 months Repayment using ECS (Electronic Deduction)? Loan interest re-payment to start immediately after disbursement of the first installment of the loan Requirements Admission to Course at an accredited Foreign university or College. Completed Education Loan application form with all supporting documents Credit worthy co-borrower is required The co-borrower can be parent, brother, sister, guardian, or any other relative Collateral security is required. Multiple collaterals can be accepted. Following types are acceptable Non-Farm Land House/Apartment/Flat A life insurance policy for the student/co-borrower, assigned in favor of Credila Fixed Deposits, Kisan Vikas Patras, RBI Bonds, etc

How Will It Work?

Student can apply for student loan from EEFS. Before or After getting Admission Confirmation from University or College EEFS will review the application and proceed with its underwriting/credit workflow. EEFS has a unique Underwriting model where not only the students and co-signers get credit rated, but the Universities also get credit scored based on the programs etc. Approved students will be offered student loans and the Universities & College will be informed accordingly To Get More Information, please send the email to eefsglobal@yahoo.com

Student Loan Process

Following is the student loan application process: 1.Student: Complete Student Loan Application Form 2.Student: Submit validated supporting documents 3.Student: Student interview with EEFS 4.EEFS: Verify student enrollment 5.EEFS: Check credit reporting agency report for borrower & cosigner 6.EEFS: Check credit reporting agency report for borrower & cosigner 7.EEFS: Perform risk analysis using EEFS Predictive Credit Scoring Model 8.EEFS: Approve or deny loan 9.EEFS : Sign a Promissory Note 10.EEFS : Get signed post dated checks & other documents

11.EEFS : Disburse education loan

HOW TO APPLY
Candidate Want to Apply For Education Loan Programme for this Candidate have to take Broucher & Application Form for this you are required to send a Non refundable Demand Draft of Rs 800/ (Eight Hundreed only) in favour of European Education for Further Studies, Payable at Kolkata. Mentioning your Name, Full Address, Mobile No & E-mail in the Back side of the D.D. Send it on following Address European Education for Further Studies India Office : 139, Kayastha Para Main Road, Haltu, Kolkata - 700 078. Call : 033 24845119 (SOS 20-line), Fax : 033 24845110, Info Center Hotline : 0987 468 3290 / 0923 027 9846 Web : www.eefsglobal.co.nr / www.eefsglobal.webs.com / www.efsglobaldirect.webs.com E-mail : efsglobal@yahoo.com / eefsglobal@rediffmail.com

The European Union has established a single market across the territory of all its members. A monetary union, the eurozone, using a single currency comprises 17members states. European Union generated an estimated 28% share (US$ 16.5 trillion) of the world's nominal GDP, and an estimated 21% (US$ 14.8 trillion) share of the global GDP (PPP),making it the largest economy in the world. It is the largest exporter, the largest importer of goods and services, and the biggest trading partner to several large countries 50 percent of the population speaks English, German and French.

The European Union covers over 4 million km and has 495 million inhabitants Currency -euro , European Union generated an estimated 26% (US$16.282 trillion) of the global economy, or 20% (US$15.170 trillion) when adjusted in terms of purchasing power parity. of the top 500 largest corporations measured by revenue (Fortune Global 500), 161 have their headquarters in the European Union . The European Union (EU) is an economic and political union of 27 member states which are located primarily in Europe Austria, Belgium, Bulgaria, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal, Republic of Ireland, Romania, Slovakia, Slovenia, Spain, Sweden, and the United Kingdom.

Important Dates
(For Student Appearing / Passed Out in 10+2 Level )

For September 2012 Intake.

Issue of Prospectus & Application Form Begins on : The Prospectus & Application Form Issued upto Last Date : The Last Date for Submission of Application form : Exam will be held on : Course Starting Date :

14 January 2012 3 March 2012 7 March 2012 9 May 2012 September 2012

Important Dates ( Late Apply ) (For Student Appearing / Passed Out in 10+2 Entry ) Issue of Prospectus & Application Form Begins on : The Prospectus & Application Form Issued upto Last Date : The Last Date for Submission of Application form : Exam will be held on : Course Starting Date : 20 March 2012 24 April 2012 30 April 2012 9 May 2012 September 2012

For Febrauary 2013 Intake. (For Student Appearing / Passed Out in 10+2 Level )

Issue of Prospectus & Application Form Begins on : The Prospectus & Application Form Issued upto Last Date : The Last Date for Submission of Application form : Exam will be held on : Course Starting Date :

4 June 2012 23 August 2012 30 August 2012 September 2012 February 2013

Important Dates

( The candidate who are applying after Diploma / Engineering / Bachelor of Engineering / Architecture / Teachers / MBA / MCA / Medical (MBBS / BDS, BHMS / BAMS, Nursing, Pharmacy) or any other Graduate/ Post Graduate for all the programme including Trainee Job / Internship / Sponsorship / General or any other )

For February 2013 Intake.

Issue of Prospectus & Application Form Begins on : The Prospectus & Application Form Issued upto Last Date : The Last Date for Submission of Application form : Exam will be held on : Starting Date : Important Dates ( Late Apply ) Issue of Prospectus & Application Form Begins on : The Prospectus & Application Form Issued upto Last Date : The Last Date for Submission of Application form : Exam will be held on : Starting Date : How to Apply

14 January 2012 24 April 2012 30 April 2012 September 2012 February 2013

4 June 2012 23 August 2012 30 August 2012 September 2012 February 2013

For Prospectus & Application Form Send a non refundable Demand Draft of Rs 1000 (One Thoiusand only) from a Nationalized Bank in favor of European Education for Further Studies Payable at Kolkata, India, Or Euro 25. Mention your name and full address at the reverse side of the Demand Draft. Prospectus & Application Form will be available at below mentioned address by Speed Post / Registered Post /Courier or by Hand. European Education for Further Studies India Office : 139, Kayasth Para Main Road, Haltu, Kolkata - 700 078.

Late Application :Those Candidate are not able to apply on time the have to pay late fees of Rs 50/It means for a prospectus and application form the have to send a Demand Draft of Rs 1050 (One Thousand fifty only) in favour of European Education of Further Studies Payable at Kolkata. The Prospectus & Application Form Will be Available at below mentioned Address. European Education for Further Studies India Office : 139, Kayasth Para Main Road, Haltu, Kolkata - 700 078.

Contact Ous European Education for Further Studies

India Office : 139, Kayasth Para Main Road, Haltu, Kolkata - 700 078. Europe Office :18 rue Pasquier ,75008 Paris , France Call : 033 24845119 (SOS 20-line), Direct : 033 24845110, 9874683290 Web : www.eefsglobaldirect.webs.com / www.eefsglobal.webs.com E-mail : eefsglobal@yahoo.com / eefsglobal@rediffmail.com

If you required any further information please feel free to contact us

LEGAL NOTICE This Website is regularly checked by the EEFS, but it can not be held responsible or guarantee accuracy, actuality and

completeness of the offered information, links and their contents. The EEFS can not be held responsible for direct or indirect damages in connection with the offered information. Disclaimer EEFS is providing this website and its contents on an as is basis and makes no representations or warranties of any kind with respect to this website and its contents. EEFS disclaims all such representations and warranties, including warranties about the accuracy, completeness or suitability for any purpose of this website and its contents. This website and any related services are provided and therefore neither EEFS nor any of its employees or other representatives will be liable for any damages arising out of or in connection with the use of this website and such related services. This exclusion of liability applies to all damages of any kind, including (without limitation) special, indirect or consequential damages, loss of data or software, loss of income, profit opportunity or business, loss of or damage to property and claims of third parties. However, EEFS does not exclude or limit liability for death or personal injury caused by its negligence or any other liability that may not by law be excluded or limited. Even if data encryption is used, the security of information transmitted via the Internet cannot be guaranteed. Any losses incurred or sustained by users who transmit information by electronic means shall be borne solely and exclusively by such user and in no event shall any such losses in whole or in part be borne by EEFS. Links to third party websites are provided solely for your convenience. If you use these links, you leave this website. EEFS does not control and is not responsible for external websites or their content or availability and does not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. Any access to third party websites linked to this website is made entirely at your own risk.