Skjern Bank A/S (the Bank) is a Denmark-based regional bank. The Bank specializes in offering banking products to private, corporate and institutional customers, as well as to public companies. Its product portfolio comprises credit cards, savings accounts, financing, loans, pension funds, personal and travel insurance, real estate consulting, leasing and investment services, as well as related advisory services, among others. It provides services primarily in the area of West and Southwest Jutland, and the Hellerup. Furthermore, the Bank also operates an online banking facility, named Netbank, which offers the access to payments, transfers, electronic invoices, and securities, among others. Its branches are located in Skjern, Ribe, Bramming, Esbjerg, Varde and Hellerup.