OREANDA-NEWS. July 10, 2009. Investment Deposit 234 – Turkish lira EUR These investment deposits are term deposits of AS SEB Pank (SEB) that earn a higher interest when the Turkish lira strengthens against the euro. The principal amount of the deposit is 100% protected by the end of the deposit period. The rate of return of the TURKISH LIRA Investment Deposit depends on the differences in the exchange rates of the Turkish lira and the euro on the dates of the initial value and the final value of the exchange rates, reported the press-centre of SEB.

The deposit earns interest if the final value of the exchanges rates of the Turkish lira and the euro are fixed at a level that is at least 5%* lower than the initial value.

No interest is paid on the deposit if the Turkish lira does not strengthen enough or weakens.

* The exact rate shall be fixed by SEB on the start dare of the deposit that is 29 July 2009 and it cannot be higher than 5%. The rate of return of the TURKISH LIRA Investment Deposit therefore depends on the movements in the exchange rate of the Turkish lira and the euro. The exchange rate of the Turkish lira and the euro is expressed as ‘n Turkish lira per 1 euro’ using the quotes of the European Central Bank.

The exchange rates quoted by the European Central Bank are available on the website: http://www.ecb.int/stats/exchange/eurofxref/html/index.en.html.

Advantages of the TURKISH LIRA Investment Deposit:
The opportunity to earn higher income from the deposit when the Turkish lira strengthens against the euro

The opportunity to invest money on a short-term basis

The opportunity to disperse portfolio risks

Risks of the TURKISH LIRA Investment Deposit:
The deposit does not earn interest if the Turkish lira does not strengthen enough

An exit fee must be paid when the deposit is cancelled prematurely and no interest can be earned

The Investment Deposit comes with a 100% guarantee

Provided that you keep your money in this investment deposit until the end of the deposit period, SEB will pay at least the principal amount of your deposit back to you. Please read the terms and conditions of the deposit guarantee pursuant to the Guarantee Fund Act on the bank’s website at www.seb.ee/investorkaitse in association with the possible realisation of the credit risk. Investment deposits are opened in Estonian kroons and euros. Estonian kroons and euros are converted when the deposit is opened and closed using the EUR/EEK exchange rate established by Eesti Pank. The contract and offer terms of investment deposits are available on our homepage at www.seb.ee and at all SEB branches. You can also make appointments for consultations on the Internet and at branches. Investment deposit contracts can be signed in our U-Net Internet bank and at SEB branches.

WARNING:
This material is not sufficient for making your final investment decision!
Before you make your final investment decision, please read the terms and conditions of the investment deposit contract, the terms and conditions of the offer and the information on the bank's website at www.seb.ee/investorkaitse. Make sure you pay special attention to information about risks and consult a professional if necessary!

This offer is valid from until 28.07.2009.