Kreditbanken A/S (the Bank) is a Denmark-based regional bank. The Bank is active through branches in Aabenraa, Soenderborg, Haderslev and Toender, covering the area of Southern Jutland. The Bank is engaged in the provision of financial and banking services and products, as well as financial advisory and electronic banking aimed at customers within the domestic market. Its operations are focused on two principal groups: retail and business customers. For corporate customers it offers such services as financing, leasing, payments and money transfers in Denmark and abroad, payment of wages, payment of tax and holiday pay calculation, among others. For private customers the Bank offers car loans, mortgages, insurance, saving accounts, mobile banking, and pension services. Additionally, it offers saving accounts and debit cards for children and young customers.