OREANDA-NEWS. November 27, 2009.
Investment deposit 254 - Metals basket EEK

Investment deposit 255 - Metals basket EUR

Investment deposit 256 - Metals basket EUR with Risk Premium

These investment deposits are term deposits of AS SEB Pank (SEB) whose interest rate is dependent on growth in the prices of metals. The principal amount of the deposit is 100% protected by the end of the deposit period, reported the press-centre of SEB Pank.

Calculation of return
The return on the underlying asset is calculated on the basis of the performance of the metals in the basket. All of the metals in the basket have an equal weighting (1/8th) and the return on the three best performing metals is fixed at 20%, regardless of whether their actual performance is lower or higher than the fixed level. With the remaining five metals, their actual performance is taken into account.

Negative scenario: if the return on all of the metals is -30%, the return on the underlying asset is calculated as follows:
(3 * 20% + 5 * (-30%)) / 10 = -11,25%

Neutral scenario: if the return on all of the metals is 10%, the return on the underlying asset is calculated as follows:
(3 * 20% + 5 * 10%) / 10 = 13,75%

Positive scenario: if the return on all of the metals is 50%, the return on the underlying asset is calculated as follows:
(3 * 20% + 5 * 50%) / 10 = 38,75%

If the return on the underlying asset is negative, no interest is earned on the Investment deposits Metals Basket.

Why you should invest in the Investment deposit Metals Basket?
Capital-protected investment in metals
Increase in demand for metals, since restoration of global economic growth is forecast for 2010
Need for metals in emerging markets (including China) for the development of infrastructure
Potential rise in metals prices, since insufficient financing of the industry during the recession means rapidly growing demand will not be able to be met

What you should also take into account
Interest income on investment deposits is not guaranteed.
You may lose the risk premium you pay on deposits with a risk premium
The demand for metals can be influenced by unpredictable circumstances, including the possibility that the global economy may not recover as forecast.

The deposit comes with a 100% guarantee
Provided you keep your money in the 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 arising from the Guarantee Fund Act on the bank's website at www.seb.ee/investorkaitse in connection with the possible realisation of 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 central rate established by the Bank of Estonia.

The contractual and offer terms of investment deposits are available on the SEB website at www.seb.ee and from all SEB branches. You can also make an appointment for additional financial consultation at any branch. Investment deposit contracts can be signed via SEB's U-Net Internet bank and at SEB branches.

WARNING:
This material alone is not sufficient for the making of final investment decisions. Before making any such decisions, we urge you to very carefully read the terms and conditions of the investment deposit contract, the terms and conditions of the offer and the information on the SEB website at www.seb.ee/investorkaitse, particularly that pertaining to potential risks, and if necessary consult an expert.

This offer is valid until 21.12.2009.