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Banking Service Terms and Conditions For Individuals Universal Account (former Liberty Account) Standard terms of the loan agreement Gift Cards Basic terms of PAY account and card agreement Social Account Certificates of Deposit Deposit Agreement Basic terms of the service agreement Basic terms of the purchase agreement Private Banking and Wealth Management Standard terms of POS terminal service agreement Terms of deferral of payments on credit products Basic terms of the lease / sublease agreement Basic terms of a general credit line service agreement Basic terms of the encumbrance agreement Basic terms of the mortgage agreement Basic terms of the surety agreement E-commerce service agreement Basic Terms and conditions Banking Service Terms and Conditions For Legal Entities Google Pay Terms & Conditions Apple Pay Terms & Conditions

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