Besides, when providing its services, the Bank may process personal data required for the protection of Legitimate Interests, in particular: interacting with operators and users of payment systems, with participants of financial and payment markets, with the securities market and other business areas; collecting and obtaining customer-related information associated with potential customers from the parties operating under agency contracts; verifying the information about you in publicly available databases; controlling the execution of a legal agreement and loan repayment or fulfillment of other obligations; exchanging the data related to your credit obligations and the terms for the execution via the credit bureaus, obtaining the information from credit bureaus and credit registers at the stage when the loan applications are considered; verifying the information on you in the history of repayments in the relevant databases; communicating and informing you of any changes in our services or terms; analyzing if the customer’s needs are satisfied with the services provided by the Bank according to the customers’ requests, including by means of automatically processed requests by topics and search phrases of the client; transferring information on the customer to insurers or other parties in the case of an insured event; transferring information related to the agreement and the status of its fulfillment to the parties who are fulfilling the obligations on behalf of or in the name of the customer; scoring customer payment discipline; conducting additional inspections and terminating the course of transactions in the cases of signs indicating fraud or other criminal offenses, taking other measures aimed at counteracting crime, including seeking, detecting, and prosecuting the persons involved in committing crimes or other offenses. Ground for processing: Legitimate Interests.