The ProCredit Bank’s General Terms and Conditions of Business with Legal Entities establish the standards and terms of business operation applied by the ProCredit Bank to all Customers; the general terms for establishment of a relationship between the Client and the Bank; and the general terms of carrying out transactions in the operations of loan granting, accepting cash deposits, opening, administrating and closing accounts; issuing and using payment cards; and other business activities performed by the Bank in accordance with the Law.