OREANDA-NEWS. December 22, 2008. These investment deposits are term deposits of SEB, which allow investors to earn high interest rates if the rate of return of the shares of three Swedish companies is positive after a year. The principal amount of the deposit is 100% protected by the end of the deposit period, reported the press-centre of SEB Bank.

The underlying asset of Investment Deposit Positive Trio consists of 3 (three) shares that can be regarded separately:

Ericsson is a leading global provider of telecommunications networks and associated service to mobile and landline network operators;

Hennes & Mauritz (H&M) is a globally operating Swedish clothes chain that offers quality fashion at affordable prices;

AstraZeneca is one of the leading global manufacturers of original pharmaceuticals created in 1999 through the merger of Swedish company Astra and English company Zeneca.

The advantages of Investment Deposit Positive Trio are:
preservation of the original amount is guaranteed regardless of market events
the opportunity to earn good income
short investment period
the underlying asset consists of companies largely unaffected by the continuing financial crisis.

The risk of Investment Deposit Positive Trio is:
income is earned only in the case the final values of the shares of all three companies are equal or higher than the initial values.

Source: Thomson Reuters
The graph shows the price movements of the shares of AstraZeneca (AZN), Ericssoni (ERIC) and H&M (HM) within the last five years.

NB! Rates of return in previous periods do not constitute a promise or an indication of the rates of return in future periods.

The Investment Deposit comes with a 100% guarantee
If you keep your money in this investment deposit until the end of the deposit period, then SEB will definitely pay at least the principal amount of your deposit back to you.

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 detailed 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 through our Internet bank (U-Net) and at our branches.

Advantages of investment deposits:
100% capital protection at the end of the deposit period
The opportunity to participate in markets that single investors find difficult to enter
The rate of return may be considerably higher than the interest of ordinary term deposits
No holding costs when compared to equities or bonds

This offer will remain valid until 12 January 2009.