OREANDA-NEWS. April 06, 2009. These investment deposits are term deposits of AS SEB Pank (SEB), whose interest is tied to the success of infrastructure companies in emerging countries. The principal amount of the deposit is 100% protected by the end of the deposit period, reported the press-centre of SEB Pank.

The underlying asset of Investment Deposit Emerging Infrastructure is the index prepared by major French bank BNP Paribas, which consists of the equities of infrastructure companies with the biggest potential that operate in emerging countries.

The index is prepared by analysing the equities of 114 predefined infrastructure companies once a quarter and selecting 20 to 40 equities of the most growth potential. The country that currently has the biggest share in the index is Brazil, followed by South Africa and South Korea. The sectors with the biggest shares in the index are industry, telecommunications and utility services.

The Strategy also contains price fluctuation control. Part of the investment will be moved into money when price fluctuations increase. The bigger the price fluctuations, the bigger the part of the investment that is moved into money. The goal is to keep price fluctuation below 18%.

Advantages of Investment Deposit Emerging Infrastructure:
Equity market investment with capital protection
Cheap share prices
Development of the infrastructures required to guarantee economic growth
Governments are increasing their infrastructure expenditure to stop the cool down of the economy
Investments in this sector are long-term and guaranteed by governments
Contain the equities of important emerging countries with the biggest growth potential.

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.

A bigger share of the increase in the underlying asset can be earned if you opt for an investment deposit with a risk premium and pay a risk premium in addition to the deposit amount (10% of the deposit amount). However, you must keep in mind that the risk premium is not earned back if the interest paid on the investment deposit does not exceed the risk premium paid.

Investment deposits are opened in Estonian kroons, euros and US dollars. 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 Internet bank U-Net and at SEB branches.

Advantages of investment deposit:
100% capital guarantee
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 is valid from 01.04.2009 until 28.04.2009.