The complete and binding terms for each product/service are as presented in the Bank documents relating to the said product/service and are subject to customary Bank procedures. The Bank may alter the offered product/service terms or discontinue them at any time. All of the services relating to investment consulting services are contingent upon the signing of a consulting agreement. The publications do not comprise any consent or obligation for the provision of service in general, and specifically the provision of credit. Credit and credit cards shall be granted subject to Bank discretion and the provision of satisfactory guarantees. Prime – "Basic Interest" defined by the Bank and changing from time to time.