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Information regarding deposit guarantee

The deposit guarantee means that you receive compensation from the state if the bank or institution where you have your money goes bankrupt. The protection applies to up to SEK 1,050,000 per person and institute. If a financial institution that handles your securities goes bankrupt and it turns out that you cannot get your securities or money out, investor compensation can step in and you can receive up to SEK 250,000.

Basic information about the protection of deposits

Deposits in Skandinaviska Enskilda Banken AB (SEB) are protected by: Swedish National Debt Office, Riksgälden Insättningsgarantin1
Limit of protection: SEK 1,050,000 per depositor per credit institution2
If you have more deposits at the same credit institution: All your deposits at the same credit institution are 'aggregated' and the total is subject to the limit of SEK 1,050,0002
If you have a joint account with other person(s): The limit of SEK 1,050,000 applies to each depositor separately3
Reimbursement period in case of credit institution's failure: 7 working days4
Currency of reimbursement: Reimbursement will be made in Swedish krona (SEK)
Contact: Swedish National Debt Office, Riksgälden Insättningsgarantin
SE-103 74 Stockholm
Phone: +46 (8) 613 52 00
E-mail: ig@riksgalden.se
More information: How the deposit guarantee works (Riksgälden, Swedish National Dept Office)

Scheme responsible for the protection of your deposit Your deposit is covered by a statutory Deposit Guarantee Scheme. If insolvency of your credit institution should occur, your deposits would be repaid up to SEK 1,050,000 .

2 General limit of protection If a deposit is unavailable because a credit institution is unable to meet its financial obligations, depositors are repaid by a Deposit Guarantee Scheme. This repayment covers at maximum SEK 1,050,000 per credit institution. This means that all deposits at the same credit institution are added up in 3) order to determine the coverage level. If, for instance a depositor holds a savings account with SEK 900,000 and a current account with SEK 350,000, he or she will only be repaid SEK 1,050,000. In some cases, regarding deposits that are related to certain defined events, such as sale of a private residence, termination of employment, inheritance or insurance claims, deposits are protected above SEK 1,050,000, up to an amount of SEK 5,000,000. More information can be obtained at How the deposit insurance works (Riksgälden).

3 Limit of protection for joint accounts In case of joint accounts, the limit of SEK 1,050,000 applies to each depositor.

4 Reimbursement The responsible Deposit Guarantee Scheme is Riksgälden Insättningsgarantin, 103 74 Stockholm, phone: +46 (0)8 613 52 00, e-mail: ig@riksgalden.se. It will repay your deposits (up to SEK 1,050,000 ) within 7 working days at the latest. If you have not been repaid within these deadlines, you should contact the Deposit Guarantee Scheme since the time to claim reimbursement may be barred after a certain time limit. Further information can be obtained at How the deposit insurance works (Riksgälden).

Other important information

In general, all retail depositors and businesses are covered by Deposit Guarantee Schemes. The following Swedish or equivalent foreign depositors are not eligible for compensation from the deposit guarantee: banks, credit market companies, securities companies, insurance companies, reinsurance companies, mutual benefit societies, financial institutions according to the Banking and Financing Business Act (2004:297), securities funds and alternative investment funds, pension funds, county councils, municipalities or other government agencies. Additional information regarding exceptions for certain deposits are stated on the website of the responsible Deposit Guarantee Scheme. Your credit institution will also inform you on request whether certain products are covered or not. If deposits are covered, the credit institution shall also confirm this on the statement of account.