OREANDA-NEWS. August 04, 2009. These investment deposits are term deposits of AS SEB Pank (SEB), whose interest is tied to the success of energy and base material companies in the Nordic countries. The principal amount of the deposit is 100% protected by the end of the deposit period, reported the press-centre of SEB.

The underlying assets of the Investment Deposit Nordic Light consist of an equal weighted portfolio of the shares of the following ten companies of energy and base materials in the Nordic countries:

Norsk Hydro ASA (Reuters code NHY.OL) is the fifth largest producer of aluminium in the world, with its headquarter and main production units located in Norway.

Renewable Energy Corp. ASA (REC.OL) is based in Norway and is one of the biggest producers of solar cells in the world.

Seadrill Ltd. (SDRL.OL) owns and operates offshore and onshore oil drilling rigs and vessels used for drilling, producing and transporting crude oil.

StatoilHydro ASA (STL.OL) is an international energy company based in Norway. The company is the leading operator on the Norwegian continental shelf.

Neste Oil Oyi (NES1V.HE) is a leading oil refining and marketing company in Northern Europe. The company is focused on the production of high-quality oil products.

Outokumpu Oyi (OUT1V.HE) with its main office in Finland is the world's third-largest producer of stainless steel.

Vestas Wind Systems (VWS.CO) is a Danish company, being globally a leading producer of wind turbines. The products are sold all over the world; recently the company has mainly extended in China and the US.

Stora Enso Oyi (STERV.HE) is an integrated Finnish forestry company which produces newsprint paper, magazine paper, fine paper and packaging products. The company is also widely engaged as an operator of the sawmill industry.

Svenska Cellulosa AB (SCAb.ST) is an international Swedish paper company that produces absorbing personal care products and packaging and publication papers.

SSAB Swedish Steel AB (SSABa.ST) is a Swedish company which produces high strength steel plates and toughens steel products.

Advantages of Investment Deposit Nordic Light:

Equity markets investment with capital protection

Favourable price level of shares in the current market situation

Investment has good development potential and is related to highly capitalised companies

Expected rise in commodity prices has a favourable effect on the economic performance of these companies

The rise potential of the shares of all these companies is currently regarded to be good by the analysts of SEB Enskilda.

Risks of Investment Deposit Nordic Light:

The risk premium paid may be lost in the case of deposits with risk premium.

The prices of the shares need not rise as the investors' risk tolerance is low.

The maximum rate of return of the final value of the portfolio forming the underlying assets is limited to 60% for each individual share.

In the above graph, the historic rate of return in the last three years of the Investment Deposit Nordic Light has been compared to that of the global equity index. The MSCI World index quoted in euros is used as the global equity index. A comparison of the rates of return for a longer period is not possible as Renewable Energy Corp. ASA was listed only in May 2006.

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 also view the terms and conditions of deposit guarantees arising from the Guarantee Fund Act on SEB's homepage at www.seb.ee/investorkaitse, in relation to potential realisation of the credit risk.

Investment deposits are opened in Estonian kroons, euros and U.S. 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 SEB's 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.

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

Advantages of investment deposit:
100% capital guarantee
The opportunity to participate in markets that individual 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 29.07.2009 until 24.08.2009.