The individuals can benefit from respective banking services by applying for an appropriate Offer Document. The application shall contain the special (important) terms of the agreement to be concluded with the Bank (e.g., a loan amount, interest, FAIR, etc.; a deposit amount, an interest rate, maturity, etc.) which will сonstitute the key components of such agreement. By accepting the application sealed and signed by an authorized representative of the Bank the individual shall acknowledge receiving a copy of the application and the respective agreement shall be deemed formally concluded with the Bank.