SEB bank's General Price list for individuals Approved … · SEB bank's General Price list for...

SEB bank's General Price list for individuals Approved by SEB bank’s Board Effective as of April 26, 2018

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1. Accounts Services Fees 1.1. Current account (CA) Opening Free of charge The first-time inspection of documents for the customers who have a personal identity document issued outside the EEA and who do not have the residence permit in the EEA1

200.00 EUR

Servicing per month Free of charge Maintaining of an inactive account2, 3 10.00 EUR per year Closing (including transfer of the account balance to another account at SEB bank) Free of charge

1.2. Escrow account Fee for the service in standard cases:

- opening of an escrow account, upon granting of SEB bank's Home loan 0,4%, min 45.00 EUR max 400.00 EUR

- opening of an escrow account 0,4%, min 100.00 EUR Fee for the service in non-standard cases By agreement Re-entering the agreement or changing the terms of agreement By agreement, min 35.00 EUR Inspection of documents for the customers who have a personal identity document issued outside the EEA and who do not have the residence permit in the EEA4

200.00 EUR

2. SMS bank5

Services Fees Connection to the system Free of charge Servicing per month Free of charge SMS message (for each) 0.13 EUR SMS message to Customer Benefit Programme Silver and Gold level members (for each)

0.09 EUR

E-mail message (for each) 0.13 EUR E-mail message to Customer Benefit Programme Silver and Gold level members (for each)

0.09 EUR

SMS upon request Free of charge 3. Electronic channels

Services Fees 3.1. Connection and maintenance of Internet bank6 Connection to the system Free of charge Servicing per month Free of charge Code Card issuance Free of charge Code Card replacement 2.00 EUR Digipass issuance 20.00 EUR

Digipass replacement 10.00 EUR

1 The commission fee is not withheld from the person who has acquired an asylum seeker or a refugee status, or alternative status. 2 The fee applies if, within at least the last 12 months, there have been no transactions initiated by the Customer in any of the Customer’s Current accounts, if

none of the balances on the Customer’s Current accounts is greater than 10 EUR (or the equivalent amount in another currency), and if the Customer does not have an active agreement entered into with the SEB bank or with the subsidiaries of the SEB bank.

3 No fee applies to customers under 18 years of age. 4 The fee applies if the Customer does not have a current account in SEB bank. 5 The calculated commission for the received SMS messages is deducted once a day. 6 Users of code cards should take note of SEB bank’s limits for standard operations. The daily limit for transacions authorised with a code card is 500 EUR or the

equivalent of this sum in other currencies. Within this limit, the daily total of payments to other banks is limited to 150 EUR, while the transaction limit is 30 EUR per payment. The monthly limit for transactions authorised with a code card is 3,000 EUR or the equivalent of this sum in other currencies.


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4. Payments7, 8

Services Fees

In Internet bank and mobile application

At the Bank's branch

4.1. Intrabank payment Between accounts of one customer at SEB bank (incl. transfers to a savings deposit)

Free of charge 3.00 EUR9

To another customer's account at SEB bank 0.14 EUR 3.00 EUR SEB pension fund, SEB life insurance accounts within SEB bank Free of charge Free of charge Currency exchange within one account Free of charge 3.00 EUR Information about transactions prices for plan users available in section “Customer’s plan”

4.2. European payment 10, 11 Standard SEPA payment 0.36 EUR 4.00 EUR

Submission and performance of the payment12, 13 until 16:00, D+0* until 15:00, D+0* after 16:00, D+1* after 15:00, D+1*

European Express payment (SHA)14 22.00 EUR 25.00 EUR Submission and performance of the payment13 until 17:00, D+0* until 16:00, D+0* Information about transactions prices for plan users available in section “Customer’s plan”

4.3. Cross-border payment15, 16 Standard payment: - SHA 11.50 EUR 14.50 EUR - OUR 20.00 EUR 25.00 EUR

Submission and performance of the payment13 until 17:00, D+2* until 17:00, D+2* Urgent payment: - SHA 18.50 EUR 22.00 EUR - OUR 26.00 EUR 30.00 EUR

Submission and performance of the payment13 until 15:00, D+1* until 14:00, D+1* after 15:00, D+2* after 14:00, D+2*

Express payment: - SHA (payments in EUR) 22.00 EUR 25.00 EUR

7 Improved exchange rate, starting from amount of 10,000 EUR or its equivalent in another currency, may be applied during the working hours and standard

exchange rate is applied - during non-working hours. 8 The Bank's working time (including the time when receiving of payments are canceled, if it is set at the end of the working day) is shortened by one hour on

pre-holiday days. 9 Transfer to a deposit account is free of charge. 10 If the payment order does not indicate the recipient's IBAN account, the payment will be processed as a Standard cross-border payment. The correspondent

bank and/or beneficiary bank can charge additional fee to be collected from the Customer for the payment processing. 11 Payment in euro to the European bank (a bank located in an EU member state (including its autonomous territories), Iceland, Liechtenstein, Norway,

Switzerland, San Marino, Monaco or Andorra). 12 If bank can process payment order as instant payment it will reach beneficiary account generally within 10 seconds – instant payments are executed every

calendar day, including Saturdays, Sundays and national or public holidays. Instant payment processing is available only for payments initiated via electronic channels (internet bank and mobile application), if they meet the following criteria: payment amount is up to 15 000 EUR, beneficiary bank is participant of instant payment system, and there are no other obstacles for instant payment processing.

13 The moment of suspending of accepting payment orders – the time on the Settlement day, after which the received Payment orders are considered to have been received on the next Settlement day.

14 Only in the Eurozone (zone in which the euro is introduced as the currency of the European Union). 15 Payments in foreign currencies to other banks in Latvia are processed like cross-border payments. 16 Payment order with commission fee type SHA - the commission fee of SEB bank is covered by the Customer, while all commission fees of correspondent

banks and the recipient bank related to the payment are covered by the recipient. SEB bank sends the payment to the correspondent bank or recipient bank with the instruction SHA in the Details of Charges SWIFT notification field. Correspondent banks or the recipient bank have the right to withhold the commission fees from the transferred amount before or after depositing the funds in the recipient’s account. Payments to banks in the European Economic Area as well as in Switzerland, Monaco, San Marino and Andorra in any currency are only accepted if the commission fee type is SHA. If the Customer specifies the commission fee type OUR for such payment, payment order will be rejected. Payment order with commission type OUR - the commission of SEB bank, as well as all commissions of the correspondent bank and recipient bank related to performance of the transfer are covered by the Customer. SEB bank sends the payment to the correspondent bank or beneficiary bank with indication OUR in the respective SWIFT message area Details of Charges, instructing the beneficiary bank to pay the transfer amount to the recipient. This provision limits the liability of SEB bank. SEB bank is not liable if the correspondent bank or recipient bank has failed to adhere to the instructions given by SEB bank or if the credit transfer has not been received in full due to other reasons not controlled by SEB bank. SEB bank has the right to withhold the commission fees claimed by the recipient bank or otherwise related to the payment from the Customer’s account without acceptance.


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- SHA (payments in foreign currencies) 25.00 EUR 30.00 EUR - OUR 50.00 EUR 58.00 EUR

Submission and processing of payments13 in USD, EUR, SEK until 15:00, D+0* until 14:00, D+0* Submission and processing of payments13 in DKK, NOK, CHF until 13:00, D+0* until 12:00, D+0* Submission and processing of payments13 in CAD, GBP, RUB until 11:00, D+0* until 10:00, D+0* * D+0 Transfer of funds to the recipient bank or correspondent bank on the same day. D+1 Transfer of funds to the recipient bank or correspondent bank on the following day. D+2 Transfer of funds to the recipient bank or correspondent bank on the day after.

Services Fees 4.4. E-invoice with automated standing order Service connection, changes and termination Free of charge

Payment from the account In accordance with the fee for the respective payment in Internet bank

5. Customer's plan

Type of plan: Issuance and monthly fee Junior Plan17 Free of charge Youth Plan18 0.70 EUR Senior Plan19 1.00 EUR Basic Plan20 2.00 EUR Active Plan21 4.00 EUR Family Plan21, 22 5.00 EUR

The following products are included in the plans:

Services Fees Monthly fee for opening and servicing a current account (unlimited number) Free of charge Use of one Payment Card during the entire duration of the plan23 Free of charge Using the strong authentication app for smartphones Smart-ID Free of charge Issuance of one Internet bank code card24 Free of charge Transfers from the Current Account, via Internet bank, mobile application and E-invoices20:

- intrabank payments - standard SEPA payments

Free of charge

6. Interest on deposits

EUR USD At the Bank's branch

In Internet bank At the Bank's branch

In Internet bank

6.1. Bank's interest rates per year for storing funds in Term Deposit25 (term - 12 months)

Payment of interest at the end of the term 0,00% 0,00% 0,31% 0,41% Minimum deposit amount 100 200

17 The price list of this plan applies automatically when you open a Current account. Upon reaching the age of 18, the general price list applies to the services

provided by the Bank. 18 The plan is valid until the customer reaches the age of 25 years. 19 Senior plan agreement may be concluded from the age of 65 years. 20 The Basic plan includes 10 payments via internet bank and mobile application from the all customer current accounts: to the accounts of other SEB

customers; euro currency to another bank in Latvia and EEA countries (SEPA payments); regular payments; automatic payment of e-invoices. Fee for the 11th and each next payment will be charged according to section “Payments”.

21 The Active plan and Family plan additionally include use of all credit cards (except GOLD and World Elite) without a monthly fee for the entire period of plan use.

22 There can be up to 6 participants in Family plan. Each participant pays for services according to Family plan pricelist, but there is no additional fee for plan servise.

23 Plan includes usage of one oldest Payments card without monthly fee. The fee for preparing and replacing of Payment Card is charged according to the SEB bank’s General Price list for individuals.

24 The fee for use of Digipass authorisation device is charged according to the SEB bank’s General Price list for individuals. 25 Upon both parties' agreement, it is possible to extend deposits for other terms and/or other currencies. The minimum deposit amount and interest rate is set

for each transaction separately.


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EUR USD 6.2. Bank's annual interest rate for storage of funds in a Savings deposit

Standard rate 0,05% 0,10% Minimum balance to receive interest 0.01 0.01

Services Fees 6.3. Money transfer from a Savings deposit/Full-age deposit, with a prior written request

The transfer request must be submitted 3 calendar days in advance EUR, USD Free of charge

6.4. Money transfer from a Savings deposit/Full-age deposit, without a prior written request

EUR, USD 0,5 %, min 5.00 EUR

EUR USD 6.5 Bank's annual interest rates for storing funds in Full-age deposit (opening of new Full-age deposits is not available)

Base rate 0,40% -

Additional rate: 0,1%, if the deposit term exceeds 5 years 0,2%, if the deposit term exceeds 10 years 0,3%, if the deposit term exceeds 15 years

Real profit from 0,40% to 0,75% - Minimum balance to receive interest 70.00 100.00

Services Fees 6.6. Commission for premature termination of the Term deposit agreement26

With a 3-day prior written notice to SEB bank 3% of the amount

7. Account transactions Services Fees 7.1. Non-cash payment into account27

Within SEB bank Free of charge European payment28 Free of charge Cross-border payment29 5.00 EUR30

7.2. SEPA Direct Debit31

Connection of SEPA Direct Debit service Free of charge SEPA Direct Debit for one payment 4.00 EUR Termination of SEPA Direct Debit before the payment execution day Free of charge Returning of SEPA Direct Debit payment32 Free of charge Returning of an unauthorised SEPA Direct Debit payment during the term of 8 weeks to 13 months after payment execution32

Free of charge

Blocking/unblocking of SEPA Direct Debit mandate Free of charge Issue of a SEPA Direct Debit payment copy upon the Customer's request Free of charge

Services From Current account and Cash account

7.3. Standing orders

Service implementation Free of charge

26 The commission is applied when the agreement is terminated before expiry, irrespective of whether the customer wants to receive the deposited funds in

cash or as a transfer. If the agreement is terminated before expiry, the customer does not receive the accrued interest. 27 The Bank's working time (including the time when receiving of payments are canceled, if it is set at the end of the working day) is shortened by one hour on

pre-holiday days. 28 Payments in euro with the commission fee type "SHA" if a correct IBAN of the beneficiary is specified in the payment and the payer's bank is a European bank. 29 Including transfers in foreign currencies from other Latvian banks. 30 A transfer is free of charge if the payment order provides for the commission fee type "OUR". 31 Only EUR currency from EUR current account. 32 If an investigation determines that a payment has been authorised, the fee specified in Clause 7.7 "Fee for reviewing of an unjustified complaint".


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Amendment in agreement Free of charge

Termination of services Free of charge

Transfer In accordance with the fee for the respective payment in Internet bank

Services Payments that were made during the last 6 months

Payments that were made 6 or more months ago

7.4. Cancellation of a payment33 and investigation/change of details of a sent payment

Cancellation of a payment: - for payments within SEB bank 20.00 EUR 25.00 EUR - for payments sent to another bank in Latvia 20.00 EUR 25.00 EUR - for payments sent to a foreign bank 50.00 EUR + fees of foreign banks 120.00 EUR + fees of foreign banks Investigation/change of details of a sent payment: - for payments within SEB bank34 20.00 EUR 25.00 EUR - for payments sent to another bank in Latvia 20.00 EUR 25.00 EUR - for payments sent to a foreign bank 40.00 EUR + fees of foreign banks 120.00 EUR + fees of foreign banks

Services Fees 7.5. Change/specification of details for incoming payments Specification of details for an incoming payment 10.00 EUR Change of details (beneficiary’s account) for incoming payments35 10.00 EUR

Services Payments that were made during the last 6 months

Payments that were made 6 or more months ago

7.6. Tracing payments sent or missing incoming transfers

Payments in EUR from/to other banks in Latvia 20.00 EUR 25.00 EUR Payments from/to foreign banks and payments in foreign currencies

40.00 EUR + actual expenses 120.00 EUR + actual expenses

Services Fees 7.7. Fee for reviewing of an unjustified complaint 10.00 EUR

8. Customer benefit programme*

Services Standard price Fees for Silver level Customers

Fees for Gold level Customers

Monthly service fee for the Customer Plan Active Plan36 4.00 EUR 3.60 EUR 3.00 EUR SMS bank37 SMS message (for each) 0.13 EUR 0.09 EUR 0.09 EUR E-mail message (for each) 0.13 EUR 0.09 EUR 0.09 EUR Credit cards Fee for utilised credit limit for credit cards38 in compliance with the credit line pricelist

21% per year 18% per year 16% per year

VISA Gold and MasterCard Gold cards:

33 Payment of the commission does not guarantee return of money to the Customer’s account. Return of an executed payment is possible upon beneficiary’s

consent only. 34 Change of details is done by issuing a Bank's statement on change of payment details according to the Customer’s application. 35 It is only possible to make on the payment crediting valuation day, if the beneficiary’s (Customer's) account currency indicated in the payment does not

correspond to the payment currency and the Customer's application on the change of beneficiary’s account is submitted to the Bank no later than on the payment crediting valuation day by 16:00. Based on the Customer's application, the payment may be transferred into the Customer’s account whose currency corresponds to the payment currency. If the payment has already been transferred into the Customer’s account (currency conversion has been made), the Bank is entitled to calculate and deduct from the Customer any losses arising from the currency conversion.

36 The Active Plan additionally includes: use of all Credit Cards (except GOLD and World Elite) without a monthly fee during the entire duration of the plan. 37 The calculated commission for the received SMS messages is deducted once a day. 38 MasterCard Standard credit card, VISA Classic, MasterCard Classic, MasterCard contactless, VISA Gold, MasterCard Gold, VISA Style credit card.


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- preparing fee 3.60 EUR 3.60 EUR 1.80 EUR - usage fee (monthly)39 3.60 EUR 3.60 EUR 1.80 EUR - replacement fee 43.00 EUR 43.00 EUR 21.50 EUR Home loan

Processing the loan (% of the loan amount) up to 1,5%, min 75.00 EUR

up to 1%, min 75.00 EUR

up to 0,5%, min 75.00 EUR

Life insurance with savings (guaranteed profitability)

Administration costs for an insurance contract 15.00 EUR Free of charge (-100%)

Free of charge (-100%)

Life insurance with savings (in funds) Administration costs from contributions to insurance premiums (% from each premium)

Up to 1,3% Up to 1,2% (up to -10%)

Up to 1,2% (up to -10%)

Administration costs from savings (% per year) Up to 1,32%, min. 1.95 EUR/per month

Up to 1,2%, min. 1.95 EUR/per month (up to -11,8%)

Up to 1,2%, min. 1.95 EUR/per month (up to -11,8%)

3rd pension pillar Commission fees from accumulated capital (% annually)

1,6 % 1,4% (-12%) 1,2% (-25%)

SEB mutual funds40 Purchase and regular payment order at a branch or in Internet bank:41 Price group 3 (equity and alternative funds) 0,75% 0,7% 0,6% Price group 2 (bond, conservative, balanced and active strategy funds)

0,5% 0,45% 0,4%

* The customer pays for other services according to the standard SEB bank’s General Price list for individuals.

9. Cash operations42, 43 Services Fees 9.1. Cash deposit in EUR (per each deal) To own Current account at SEB bank 0,15%, min 5.00 EUR To another account at SEB bank 0,2%, min 5.00 EUR Cash deposit in coins, up to 50 pcs.44 0,15%, min 5.00 EUR Cash deposit in coins, over 50 pcs.44 10%, min 10.00 EUR

9.2. Cash withdrawal in EUR (for each transaction) Up to 7,500 EUR 0,5%, min 5.00 EUR Above 7,500 EUR with a prior notification45 0,5% Prior notification for cash withdrawal46 15.00 EUR Above 7,500 EUR without a prior notification47 0,8% Withdrawal in coins, up to 50 pcs.44 0,5 %, min 5.00 EUR Withdrawal in coins, over 50 pcs.44 10%, min 10.00 EUR

39 The fee applies starting with the second month of using the card. 40 The maximum allowed subscription fee is indicated in prospectus regulating SEB mutual funds. In cases when maximum allowed subscription fee indicated in

the prospectus exceeds the fee indicated in the pricelist, the smallest fee will be applied. Regular payment orders or operations in Internet bank are possible only for those funds for which this function has been provided for in the annex of the fund prospectus.

41 Regular payment orders or operations in Internet bank are possible only for those funds that are publicly distributed by SEB and indicated in SEB bank's home page.

42 At branches located in trade centres, cash transactions for customers are limited to 7,500 EUR per day, and transactions with coins are not available. 43 Improved exchange rate, starting from amount of 10,000 EUR or its equivalent in another currency, may be applied during the working hours and standard

exchange rate is applied - during non-working hours. The Bank's working time (including the time when receiving of payments are canceled, if it is set at the end of the working day) is shortened by one hour on pre-holiday days.

44 Transactions involving a large number of coins (over 50 coins) are available at SEB bank’s branch Rīdzene in Riga, Valnu str. 11, as well as in the branches outside Riga, which offer cash transactions.

45 Cash withdrawal for amounts exceeding 7,500 EUR or any amount in foreign currency must be notified in writing one SEB banking day in advance before 12:00.

46 When ordering cash, the commission fee of 15 EUR is collected from the customer's account at the moment of order. The commission fee for cash withdrawal is collected upon receipt of the order. If an order is not withdrawn, the collected commission for the cash order is not returned.

47 Cash withdrawals without a prior notice are provided to the best of branch’s abilities. The fee for the cash withdrawal without a prior notice is charged for the total amount payable to the customer.


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9.3. Cash deposit in foreign currencies (for each transaction)48, 49, 50 Cash deposits in the account with SEB bank 0,8%, min 10.00 EUR

9.4. Cash withdrawal in foreign currencies (for each transaction)48, 50 Cash withdrawal with a prior notice45 0,8%, min 10.00 EUR Prior notification for cash withdrawal46 15.00 EUR Cash withdrawal without a prior notice47 1,5%, min 15.00 EUR

9.5. Cash currency exchange operation (per each deal)45, 46, 47, 48, 49, 50 5.00 EUR

9.6. Cheque book issuance

10.00 EUR

10. Processing of Customer's documents

Services Fees

In Internet bank At the Bank's branch 10.1. Documents on account transactions Preparation of an account statement or account reference for a set period

Free of charge 0.40 EUR for 1 page, min 3.00 EUR

SWIFT copy of a cross-border (upon the customer's request) - 4.50 EUR

Services Fees 10.2. Issuing of references (per document)

Standard references upon the customer’s request51 10.00 EUR (plus VAT 2.10 EUR)

Non-standard references upon the customer’s request52 By agreement, min 20.00 EUR (plus VAT 4.20 EUR)

10.3 Printing / confirmation of executed payment orders

1.00 EUR for each issue and / or confirmation of a payment order 53

10.4. Document processing

Copies of documents (per sheet) upon the customer’s request 0.30 EUR (plus VAT 0.06 EUR) Postal service for documents/ payment cards in Latvia and abroad 2.85 EUR (plus VAT 0.60 EUR) Mailing of electronic authorisation device upon the customer’s request within Latvia 15.00 EUR (plus VAT 3.15 EUR)

Courier delivery of documents/payment cards abroad upon the customer’s request54 By agreement, min 30.00 EUR (plus VAT 6.30 EUR)

Issue of a certified copy of a document By agreement, min 30.00 EUR (plus VAT 6.30 EUR)

Search of documents in the archive and their copying upon the customer's request (per item)

By agreement, min 7.00 EUR (plus VAT 1.47 EUR)

10.5. Execution of orders of the SRS and bailiffs

48 Foreign currency coins are not accepted and issued. 49 We do not accept foreign currency banknotes which are dirty, worn, otherwise mechanically damaged (torn, worn surface, oil stains, burns) or with imprints of

drawings, inscriptions or drawings of any size, as well as USD banknotes which have been issued before 1990. 50 Cash transactions in foreign currencies are effected at Rīdzene branch (on Vaļņu iela 11) and in the branches outside Riga that offer cash transactions. 51 Standard references include information about the existence of an account/card, account balance; termination of the account; the principal amount, balance

and term of a loan; complete repayment of the loan; absence of liabilities; temporary account and contribution of the share capital. Standard reference is prepared within one day as of receiving the request.

52 Non-standard references are the other references, which are not standard. About the term of preparation of a non-standard reference, the bank informs within two days as of receiving the request.

53 The commission fee is not applied to copies of payment order to Treasury or SEB group companies. 54 Charged in cases when the card is located in a branch, and the manner of receipt is changed.


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Processing orders of the SRS (State Revenue Service) - for each SRS order / individual tax debt type

10.00 EUR

Processing of bailiffs' orders 10.00 EUR

Execution of SRS orders In accordance with the fee for the respective payment in Internet bank

Execution of bailiffs' orders In accordance with the fee for the respective payment in Internet bank

Processing of a request for withdrawal or transfer of funds from a blocked account 10.00 EUR

10.6 Servicing with powers of attorney

10.00 EUR (plus VAT 2.10 EUR) – fee for receipt (verification) of the power of attorney for the first time; 5.00 EUR (plus VAT 1.05 EUR) – for each subsequent service time

11. Payment cards

Services I Interest-free credit limit

II Credit line III Fixed payment

11.1. Credit cards 11.1.1. MasterCard Classic, MasterCard contactless

Fee for preparing a card/additional card 2.15 EUR 2.00 EUR 2.00 EUR Fee for use of the card/additional card (per month)55 2.15 EUR 2.00 EUR 2.00 EUR Replacing a card/additional card 18.00 EUR Commission for purchase:

- in Latvia Free of charge - abroad Free of charge

Change of the card transaction limit56 10.00 EUR Cash withdrawal in another bank 1,5%, min 3.56 EUR Cash withdrawal at ATMs of:

- SEB bank - SEB group (Estonia, Lithuania) - in Latvia: Swedbank

1,5%, min 0.71 EUR

- other banks 1,5%, min 3.56 EUR Cash deposit at SEB bank’s ATM:

- up to 6,000 EUR within one calendar month for all customer's accounts

Free of charge

- upon exceeding monthly credits of 6,000 EUR for all customer's accounts

0,1% of transaction amount

Changes in the credit card agreement (submitted to the branch)

10.00 EUR

Changes in the credit card agreement (submitted in internet bank)57

Free of charge

Credit limit increase 10.00 EUR

Fee for the used credit limit (per year) 0% 21% (1,75% per month)

24% (2% per month)

Monthly repayment amount 100% 5 % Fixed in compliance with the agreement

Late payment interest (per year) 36% (3% per month) Contractual penalty (per year) 36% (3% per month)

55 Charged starting from the second month of using the card/additional card. 56 Includes changes in POS, ATM and monthly spending limits above the standard maximum limit set by Bank. 57 Except increase of the credit limit.


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- For other services (current account maintenance, transactions in the account, processing of the customer’s documents etc.) which SEB bank provides to the customer in relation to payment card servicing, the customer pays in accordance with SEB bank’s General Price list for individuals.

- The limit of transactions within one calendar month includes purchased and cash withdrawal transactions of 5,000 EUR. - Total cash deposit limit in ATMs with all customer’s cards is 15,000 EUR per month. - A maximum of 200 banknotes can be deposited in an ATM in a single deposit transaction.



11.1.2. VISA Gold, MasterCard Gold

Fee for preparing a card/additional card 3.60 EUR Fee for use of the card/additional card (per month)58 3.60 EUR Replacing a card/additional card 43.00 EUR Commission for purchase:


Change of the card transaction limit 59 10.00 EUR Cash withdrawal in another bank 1,5%, min 3.56 EUR Cash withdrawal at ATMs of:


1,5%, min 0.71 EUR

- other banks 1,5%, min 3.56 EUR Cash withdrawal at business operators' outlets* 1,5%, min 0.71 EUR Cash deposit at SEB bank’s ATM:


Free of charge




10.00 EUR


Free of charge



24% (2% per month)

Monthly repayment amount 100% 5% Fixed in compliance with the agreement

Late payment interest (per year) 36% (3% per month) Contractual penalty (per year) 36% (3% per month) - For other services (current account maintenance, transactions in the account, processing of the customer’s documents

etc.) which SEB bank provides to customers in relation to payment card servicing, the customer pays in accordance with SEB bank’s General Price list for individuals.

- The limit of transactions within one calendar month includes purchased and cash withdrawal transactions of 15,000 EUR. - Total cash deposit limit in ATMs with all customer’s cards is 15,000 EUR per month. - A maximum of 200 banknotes can be deposited in an ATM in a single deposit transaction. * Not available for MasterCard Gold.



11.1.3. MasterCard World Elite*

Fee for preparing a card/additional card 35.00 EUR Fee for use of the card/additional card (per month)61 35.00 EUR**

58 Charged starting from the second month of using the card/additional card. 59 Includes changes in POS, ATM and monthly spending limits above the standard maximum limit set by Bank. 60 Except increase of the credit limit. 61 Charged starting from the second month of using the card/additional card.


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Replacing a card/additional card 35.00 EUR Commission for purchase:




1,5%, min 0.71 EUR

- other banks 1,5%, min 3.56 EUR Cash deposit at SEB bank’s ATM:


Free of charge



Fee per 1 person visiting the airport executive lounge (as part of Priority Pass Program)***

30.00 EUR


10.00 EUR


Free of charge



24% (2% per month)



- For other services (current account maintenance, transactions in the account, processing of the customer’s documents etc.) which SEB bank provides to customers in relation to payment card servicing, the customer pays in accordance with SEB bank’s General Price list for individuals.

- The limit of transactions within one calendar month includes purchased and cash withdrawal transactions of 15,000 EUR. - Total cash deposit limit in ATMs with all customer’s cards is 15,000 EUR per month. - A maximum of 200 banknotes can be deposited in an ATM in a single deposit transaction. * MasterCard World Elite includes the following services of MasterCard and partners of SEB bank: Concierge, Priority Pass, Fast-track Security Control, Travel Insurance. Changes in the list of services provided by MasterCard and its partners, as well as changes in the list of services provided by SEB bank’s partners, can be made without prior notice. SEB bank informs the Customer of such changes by sending a notice to the Customer's Internet bank within three business days after receipt of the respective information. ** Includes travel insurance, Fast-track Security Control at the Baltic airports, MasterCard Concierge services, and ICLP programme. *** Two free-of-charge visits to the airport executive lounge (as part of Priority Pass Program) during a year.



11.1.4. VISA Picture credit card

Fee for preparing a card/additional card 2.70 EUR 2.50 EUR 2.50 EUR Fee for use of the card/additional card (per month)64 2.70 EUR 2.50 EUR 2.50 EUR Replacing a card/additional card 18.00 EUR Commission for purchase:



62 Includes changes in POS, ATM and monthly spending limits above the standard maximum limit set by Bank. 63 Except increase of the credit limit. 64 Charged starting from the second month of using the card/additional card. 65 Includes changes in POS, ATM and monthly spending limits above the standard maximum limit set by Bank.


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1,5%, min 0.71 EUR

- other banks 1,5%, min 3.56 EUR Cash withdrawal at business operators' outlets 1,5%, min 0.71 EUR Cash deposit at SEB bank’s ATM:


Free of charge




10.00 EUR


Free of charge



24% (2% per month)





Services Fees 11.2. Payment cards 11.2.1. Debit MasterCard

Fee for preparing a card/additional card 1.20 EUR Fee for use of the card/additional card (per month)67 1.20 EUR Replacing a card/additional card 4.50 EUR Commission for purchase Free of charge Change of the card transaction limit 68 5.00 EUR Cash withdrawal in another bank 1,5%, min 2.13 EUR Cash withdrawal at ATMs of: up to 600 EUR within one calendar month for the customer's all accounts - SEB bank - SEB group (Estonia, Lithuania) - in Latvia: Swedbank

Free of charge

exceeding monthly expenses of 600 EUR within one calendar month for the customer's all accounts - SEB bank - SEB group (Estonia, Lithuania) - in Latvia: Swedbank


- other banks 1,5%, min 2.13 EUR Cash withdrawal at business operators' outlets Free of charge Cash deposit at SEB bank’s ATM:

- up to 6,000 EUR within one calendar month for all customer's accounts Free of charge - upon exceeding monthly credits of 6,000 EUR for all customer's accounts 0,1% of transaction amount

66 Except increase of the credit limit. 67 Charged starting from the second month of using the card/additional card. 68 Includes changes in POS, ATM and monthly spending limits above the standard maximum limit set by Bank.


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- The limit of cash withdrawal from ATMs within a period of time up to 24 hours for users of Debit MasterCard is 1,500 EUR.

- Total cash deposit limit in ATMs with all customer’s cards is 15,000 EUR per month. - The limit of purchases within a period up to 24 hours for users of Debit MasterCard is 4,000 EUR. - A maximum of 200 banknotes can be deposited in an ATM in a single deposit transaction.

Services Fees 11.2.2. MasterCard Junior debit card

Fee for card preparing69 1.20 EUR Fee for use of the card (per month) 70 Free of charge A monthly fee for the use of card after reaching the age of 18 years 1.20 EUR Replacing a card 2.85 EUR Commission for purchase Free of charge Change of the card transaction limit 71 5.00 EUR Cash withdrawal in another bank 1,5%, min 2.13 EUR Cash withdrawal at ATMs of: up to 600 EUR within one calendar month for the customer's all accounts - SEB bank - SEB group (Estonia, Lithuania) - in Latvia: Swedbank

Free of charge




- up to 6,000 EUR within one calendar month for all customer's accounts Free of charge - upon exceeding monthly credits of 6,000 EUR for all customer's accounts 0,1% of transaction amount - For other services (current account maintenance, transactions in the account, cash operations, processing of the

customer’s documents etc.) which SEB bank provides to the customer in relation to SEB bank's payment card servicing, the customer pays in accordance with SEB bank’s General Price list for individuals.

- The limit of cash withdrawal from ATMs within a period up to 24 hours for users of MasterCard Junior debit card is 70 EUR.

- Total cash deposit limit in ATMs with all customer’s cards is 15,000 EUR per month. - The limit of purchases within a period up to 24 hours for users of MasterCard Junior debit card is 1,000 EUR. - A maximum of 200 banknotes can be deposited in an ATM in a single deposit transaction.

Services Fees 11.2.3. MasterCard contactless debit card

Fee for preparing a card/additional card 1.20 EUR Fee for use of the card/additional card (per month) 72 1.20 EUR Replacing a card/additional card 6.00 EUR Commission for purchase Free of charge Change of the card transaction limit 73 5.00 EUR Cash withdrawal in another bank 1,5%, min 2.13 EUR Cash withdrawal at ATMs of: up to 600 EUR within one calendar month for the customer's all accounts Free of charge

69 Charged when the new or renewed card is activated. 70 Upon reaching the age of 18 years, a monthly fee for the use of MasterCard Junior is applied. 71 Includes changes in POS, ATM and monthly spending limits above the standard maximum limit set by Bank. 72 Charged starting from the second month of using the card/additional card. 73 Includes changes in POS, ATM and monthly spending limits above the standard maximum limit set by Bank.


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- up to 6,000 EUR within one calendar month for all customer's accounts Free of charge - upon exceeding monthly credits of 6,000 EUR for all customer's accounts 0,1% of transaction amount - For other services (current account maintenance, transactions in the account, processing of the customer’s documents


- The limit of cash withdrawal from ATMs within a period up to 24 hours for users of MasterCard contactless debit card is 1,500 EUR.

- Total cash deposit limit in ATMs with all customer’s cards is 15,000 EUR per month. - The limit of purchases within a period up to 24 hours for users of MasterCard contactless debit card is 4,000 EUR. - A maximum of 200 banknotes can be deposited in an ATM in a single deposit transaction.

Services Fees 11.2.4. VISA Picture debit card

Fee for preparing a card/additional card 1.20 EUR Fee for use of the card/additional card (per month)74 1.20 EUR Replacing a card/additional card 9.00 EUR Commission for purchase Free of charge Change of the card transaction limit 75 5.00 EUR Cash withdrawal in another bank 1,5%, min 2.13 EUR Cash withdrawal at ATMs of: up to 600 EUR within one calendar month for the customer's all accounts - SEB bank - SEB group (Estonia, Lithuania) - in Latvia: Swedbank

Free of charge






- The limit of cash withdrawal from ATMs within a period up to 24 hours for users of VISA Picture debit card is 1,500 EUR. - Total cash deposit limit in ATMs with all customer’s cards is 15,000 EUR per month. - The limit of purchases within a period up to 24 hours for users of VISA Picture debit card is 4,000 EUR. - A maximum of 200 banknotes can be deposited in an ATM in a single deposit transaction.

Services Fees

74 Charged starting from the second month of using the card/additional card. 75 Includes changes in POS, ATM and monthly spending limits above the standard maximum limit set by Bank.


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11.2.5. Temporary card

Fee for preparing Temporary card 5.00 EUR Cash withdrawal at SEB bank’s ATM of: - up to 600 EUR within one calendar month for the customer's all accounts Free of charge - exceeding monthly expenses of 600 EUR within one calendar month for the

customer's all accounts 0,2% of transaction amount

Cash deposit at SEB bank’s ATM: - up to 6,000 EUR within one calendar month for all customer's accounts Free of charge - upon exceeding monthly credits of 6,000 EUR for all customer's accounts 0,1% of transaction amount - For other services (current account maintenance, transactions in the account, processing of the customer’s documents


- The limit of cash withdrawal via ATMs within a period up to 24 hours for users of Temporary cards is 600 EUR. - Total cash deposit limit in ATMs with all customer’s cards is 15,000 EUR per month. - A maximum of 200 banknotes can be deposited in an ATM in a single deposit transaction.

Services Fees 11.3. Others charges and terms related to the payment cards

Transfer from a credit limit 1,5%, min 0.71 EUR Reviewing a complaint76, 77 Free of charge Change of PIN code in SEB bank’s ATMs Free of charge Fee for unblocking PIN code of a card in SEB bank’s ATMs, if the PIN has been entered incorrectly for 3 consecutive times while using POS terminal

Free of charge

Consideration of a loan application Free of charge Checking the account balance through ATMs of:

- SEB bank Free of charge - other banks in Latvia 0.45 EUR - other banks abroad 1.00 EUR

Fee for urgent card issue78 30.00 EUR Surcharge on currency exchange when the currency of the card’s main account is not that of the transaction currency79

3%

Calculation period 1 month

Payment period for credit cards 14 days (starting from the 1st date of the month)

Services Fees 11.4. Cards that are not issued any more:

11.4.1. MasterCard Standard credit card with a credit line

Fee for use of the card/additional card (per month) 2.00 EUR Replacing a card/additional card 18.00 EUR Commission for purchase:



- SEB bank 1,5%, min 0.71 EUR

76 If processing of the complaint involves obtaining documentary proof of transactions, then a fee will be charged to the amount of the actual cost of the service. 77 Application shall be deemed received by us:

- on the current working day if the application is submitted and received before 16:00. - on the next working day if the application is submitted after 16:00.

In case working day is shortened according to the law, the above deadline shall be one hour prior to end of the shortened working day. 78 The card can be received at SEB bank’s branch "Dienvidu" at 16:00 of the same business day, if application has been submitted by 12:00, and at 16:00 of the

next business day, if application has been submitted after 12:00. 79 Information about exchange rates is available on the home page of International card organizations https://www.mastercard.com/global/currencyconversion/index.html and http://www.visaeurope.com/en/cardholders/exchange_rates.aspx. 80 Includes changes in POS, ATM and monthly spending limits above the standard maximum limit set by Bank.


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- SEB group (Estonia, Lithuania) - in Latvia: Swedbank - other banks 1,5%, min 3.56 EUR

Cash withdrawal at business operators' outlets 1,5%, min 0.71 EUR Cash deposit at SEB bank’s ATM:

- up to 6,000 EUR within one calendar month for all customer's accounts Free of charge - upon exceeding monthly credits of 6,000 EUR for all customer's accounts 0,1% of transaction amount

Fee for the used credit limit (per year) 21% (1,75% per month) Changes in the credit card agreement (submitted to the branch) 10.00 EUR Changes in the credit card agreement (submitted in internet bank)81 Free of charge Credit limit increase 10.00 EUR Monthly repayment amount 5% Late payment interest (per year) 36% (3% per month) Contractual penalty (per year) 36% (3% per month)





11.4.2. VISA Classic, VISA with fixed payment, MasterCard with fixed payment

Fee for use of the card/additional card (per month)82 2.15 EUR 2.00 EUR 2.00 EUR Replacing a card/additional card 18.00 EUR Commission for purchase:




1,5%, min 0.71 EUR

- other banks 1,5%, min 3.56 EUR Cash withdrawal at business operators' outlets* 1,5%, min 0.71 EUR Cash deposit at SEB bank’s ATM:


Free of charge




10.00 EUR


Free of charge



24% (2% per month)


Late payment interest (per year) 36% (3% per month)

81 Except increase of the credit limit. 82 Charged starting from the second month of using the card/additional card. 83 Includes changes in POS, ATM and monthly spending limits above the standard maximum limit set by Bank. 84 Except increase of the credit limit.


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Contractual penalty (per year) 36% (3% per month) - For other services (current account maintenance, transactions in the account, processing of the customer’s documents

etc.) which SEB bank provides to the customer in relation to payment card servicing, the customer pays in accordance with SEB bank’s General Price list for individuals.


Services Fees 11.4.3. Maestro, VISA Electron85 Fee for use of the card/additional card (per month)86 1.20 EUR Commission for purchase Free of charge Change of the card transaction limit 87 5.00 EUR Cash withdrawal in another bank 1,5%, min 2.13 EUR Cash withdrawal at ATMs of: up to 600 EUR within one calendar month for the customer's all accounts - SEB bank - SEB group (Estonia, Lithuania) - in Latvia: Swedbank

Free of charge






- The limit of cash withdrawal via ATMs within a period up to 24 hours for users of Maestro and VISA Electron is 600 EUR (unless the customer selects another limit).

- Total cash deposit limit in ATMs with all customer’s cards is 15,000 EUR per month. - The limit of purchases within a period up to 24 hours for users of Maestro and VISA Electron is 3,000 EUR. - A maximum of 200 banknotes can be deposited in an ATM in a single deposit transaction.

Services Fees 11.4.4. MasterCard Standard debit card

Fee for use of the card/additional card (per month)88 1.20 EUR Commission for purchase Free of charge Change of the card transaction limit 89 5.00 EUR Cash withdrawal in another bank 1,5%, min 2.13 EUR Cash withdrawal at ATMs of: up to 600 EUR within one calendar month for the customer's all accounts - SEB bank - SEB group (Estonia, Lithuania) - in Latvia: Swedbank

Free of charge

exceeding monthly expenses of 600 EUR within one calendar month for the customer's all accounts - SEB bank


85 Except VISA Electron Student cards. 86 Charged starting from the second month of using the card/additional card. 87 Includes changes in POS, ATM and monthly spending limits above the standard maximum limit set by Bank. 88 Charged starting from the second month of using the card/additional card. 89 Includes changes in POS, ATM and monthly spending limits above the standard maximum limit set by Bank.


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- SEB group (Estonia, Lithuania) - in Latvia: Swedbank - other banks 1,5%, min 2.13 EUR

Cash withdrawal at business operators' outlets Free of charge Cash deposit at SEB bank’s ATM:



- The limit of cash withdrawal from ATMs within a period up to 24 hours for users of MasterCard Standard is 1,500 EUR. - Total cash deposit limit in ATMs with all customer’s cards is 15,000 EUR per month. - The limit of purchases within a period up to 24 hours for users of MasterCard Standard is 4,000 EUR. - A maximum of 200 banknotes can be deposited in an ATM in a single deposit transaction.

Services Fees 11.4.5. VISA Electron Student card Fee for use of the card/additional card (per month)90 0.50 EUR Commission for purchase Free of charge Change of the card transaction limit 91 5.00 EUR Cash withdrawal in another bank 1,5%, min 2.13 EUR Cash withdrawal at ATMs of: up to 600 EUR within one calendar month for the customer's all accounts - SEB bank - SEB group (Estonia, Lithuania) - in Latvia: Swedbank

Free of charge






- The limit of cash withdrawal via ATMs within a period up to 24 hours for users of VISA Electron Student cards is 600 EUR (unless the customer selects another limit).

- Total cash deposit limit in ATMs with all customer’s cards is 15,000 EUR per month. - The limit of purchases within a period up to 24 hours for users of VISA Electrod Student card is 3,000 EUR. - A maximum of 200 banknotes can be deposited in an ATM in a single deposit transaction.

12. Insurance

Services Fees

Classic Gold Business Travel insurance (per year) 18.00 EUR 45.00 EUR 34.15 EUR Accident insurance (per year) 5.00 EUR

13. Cheque transactions Services Fees

90 Charged starting from the second month of using the card/additional card. 91 Includes changes in POS, ATM and monthly spending limits above the standard maximum limit set by Bank.


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Acceptance of cheques for collection92

Acceptance of cheques for collection 100.00 EUR + 5% of the amount specified in the cheque93

Commission for unpaid cheque

Commission requested by the foreign bank + SEB bank’s commission for the acceptance of the cheque for collection

14. Lending Services Fees 14.1. Home loan

Revision of the application Free of charge Processing of the loan, increasing (% of the loan amount)94 up to 1,5%, min 75.00 EUR Repayment of the loan before maturity Free of charge Reserving resources (% of the unused amount of the granted loan) 0,5% per year

Other changes on the customer's initiative (% of the loan balance) 94 0,7%, min 70.00 EUR max 300.00 EUR

Changing of the loan repayment account94 15.00 EUR Preparation, drawing up or approval of documents if the loan is refinanced to another credit institution

700.00 EUR

Preparation, drawing up or approval of documents if the pledged immovable property is being sold and if the transaction is financed by another credit institution

700.00 EUR

Uninsured collateral fee95 10.00 EUR per month

14.2. Home equity loan

Revision of the application Free of charge Processing of the loan, increasing (% of the granted amount)94 1,5%, min 75.00 EUR Repayment of the loan before maturity Free of charge

Other changes on the customer's initiative (% of the loan balance)94 0,7%, min 70.00 EUR max 300.00 EUR

Changing of the loan repayment account94 15.00 EUR Preparation, drawing up or approval of documents if the loan is refinanced to another credit institution

700.00 EUR

Preparation, drawing up or approval of documents if the pledged immovable property is being sold and if the transaction is financed by another credit institution

700.00 EUR

Uninsured collateral fee95 10.00 EUR per month

14.3. Consumer loan

Revision of the application Free of charge Processing of the loan, increasing of the loan limit, extending the term of the loan (% of the granted amount or in case of extending the term of the loan balance)94

2%, min 50.00 EUR

Repayment of the loan before maturity Free of charge Other changes on the customer's initiative94 30.00 EUR

14.4. Student loans 14.4.1. SEB student loan

Reviewing and evaluation of application Free of charge Processing of the loan94 8.00 EUR Repayment of the loan before maturity Free of charge Changes to the loan agreement on the customer's initiative94 15.00 EUR

92 Cheque payments are offered only to those SEB customers, who have opened a current account with SEB at least 6 months before the date of cheque

payment and use the account on a daily basis. 93 Fee may be higher in accordance with the actual costs of the Bank. According to Checks acceptance and paying terms and conditions, Customer must cover

all possible costs and unforeseen expenses that have appeared in the process of acceptance of cheques for collection. 94 The commission fee must be paid on the day the agreement or amendments are signed. 95 The fee is charged if the collateral is not insured for more than 30 days.


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Receipt of a repayment schedule for the loan principal 8.00 EUR 14.4.2. Student loan with a guarantee issued on behalf of the state

Reviewing and evaluation of application 4.27 EUR Preparing and issue of the loan Free of charge Repayment of the loan before maturity Free of charge Preparing additional copies of the agreement and/or schedule 1.42 EUR Changes to the loan agreement on the customer's initiative94 15.00 EUR

14.5. Overdraft

Revision of the application Free of charge Processing the Overdraft (% of the granted amount)94, 96 2%, min 30.00 EUR

Using the limit (% p. a. of the used amount) 26% per year of the actually used limit

Using the limit, if the customer had the Customer's plan at the time of signing of the agreement (% p.a. of the used amount)

21% per year of the actually used limit

Using the limit, if the Overdraft had been issued until 01.11.2012 (% p.a. of the used amount)

24% per year of the actually used limit

Changes on the customer's initiative94 10.00 EUR Extending the term of the overdraft agreement 10.00 EUR Sending a notice in Internet bank mail Free of charge

14.6. Private secured loan

Revision of the application Free of charge Processing a loan secured by deposit (% og the loan amount)94 1,5%, min 75.00 EUR

Other changes on the customer's initiative (% of the loan balance)94 0,7%, min 50.00 EUR max 300.00 EUR

14.7. Additional services

Valuation of collateral By agreement Preparation, processing and approval of bank's consent upon the customer’s request 20.00 EUR

15. Transactions with securities97

Services Fees

In Internet bank At the Bank's branch 15.1. Opening of a securities account

Opening of an intrabank securities account Free of charge 4.50 EUR Securities account opening in Central Securities depository 5.00 EUR 10.00 EUR

15.2. Transactions with securities listed in Latvia

Securities transfer from Initial Register (Deregistration of securities) 4.50 EUR Securities transfer back to Initial Register 4.50 EUR Free of payment (FOP) financial instrument delivery 7.00 EUR Free of payment (FOP) financial instrument delivery within SEB bank 2.00 EUR Receive/delivery versus payment (DVP) 7.00 EUR Receive/delivery versus payment (DVP) in non EUR currency 50.00 EUR Receipt of securities Free of charge Transfer of securities to shareholders' register of insolvent companies

4.50 EUR

Revocation of a securities transaction By agreement

15.3. Transactions with foreign securities

Free of payment (FOP) receipt/delivery and receive/delivery versus payment (DVP) for securities registered in Estonia and Lithuania

7.00 EUR

96 For an Overdraft that has been concluded before 1 November 2012, repeated agreement and revision of the application for a new Overdraft is free of charge. 97 SEB Bank is entitled to withhold state fees or similar payments and other third parties' commission fees.


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Free of payment (FOP) receipt/delivery and receive/delivery versus payment (DVP) of other securities

21.00 EUR

Free of payment (FOP) delivery within SEB bank 2.00 EUR Revocation of a securities transaction By agreement Processing of securities-related optional events 35.00 EUR

15.4. Securities holder's meetings

Blocking of securities for a securities holder’s meeting 2.00 EUR Representation of a client at the securities holder’s meeting By agreement, min 215.00 EUR

15.5. Securities account custody fee98

Monthly fee for debt securities of the Latvian Government 0,0025%, min 1.00 EUR Monthly fee for other Latvian debt securities 0,0055%, min 1.00 EUR Monthly fee for Latvian shares and investment fund units 0,0150%, min 1.00 EUR Monthly fee for Estonian and Lithuanian securities 0,0150%, min 1.00 EUR Monthly fee for debt securities registered in Euroclear/Clearstream system or in the USA

0,0100%, min 1.00 EUR

Monthly fee for securities stored in Swedish, Danish, Norwegian, Finnish, Austrian, British, Irish, German, Spanish, Italian, Swiss, French, Dutch, Belgian, Greek and Portuguese depositories

0,0150%, min 1.00 EUR

Monthly fee for securities stored in Polish, Hong Kong, Canadian, Japanese, Australian, Singaporean and the South African depositories

0,0200%, min 1.00 EUR

Monthly fee for securities stored in Bulgarian, Czech, Croatian, Kazakhstan and Hungarian depositories

0,0250%, min 1.00 EUR

Monthly fee for stocks of Russian companies for trading in the Russian Trading System

0,0750%, min 1.00 EUR

Monthly fee for securities stored in Bosnian, Rumanian, Serbian, Slovakian and Slovenian depositories

0,1000%, min 1.00 EUR

Monthly fee for the USA stocks 0,0150%, min 1.00 EUR Monthly fee for storage of ADR/GDR 0,0250%, min 1.00 EUR Monthly fee for securities stored in other foreign depositories By agreement Monthly fee for storage of foreign investment fund units 0,0150%, min 1.00 EUR Monthly fee for storage of SEB mutual fund units, distributed by SEB bank

0,0050%

Monthly fee for account with no balance, and account with exclusively such Latvian securities the issuer of which is in insolvency, rehabilitation, bankruptcy or liquidation

1.00 EUR

Services Fees

In Internet bank99 At the Bank's branch 15.6. Commission for transactions with SEB mutual funds100

Subscription and regular subscription of mutual fund units: - Price group 3 (equity and alternative funds) 0,75% 0,75% - Price group 2 (bond, conservative, balanced and active strategy

funds) 0,5% 0,5%

- Price group 1 (money market and short bond funds) 0% 0% Redemption of SEB mutual fund units (for all SEB funds) Free of charge Free of charge Switch Free of charge Free of charge

15.7. Minimum amount for subscription and switch of SEB mutual fund units

98 Commission is calculated according to the market value of securities or face value at the end of the month, and it is set in the equivalent of EUR according to

the currency exchange accounting rates set by the European Central Bank (or if necessary by the rates of the respective national central bank). A minimal fee is applied for securities stored in each country separately.

99 Regular payment orders or operations in Internet bank are possible only for those funds that are publicly distributed by SEB and indicated in SEB bank's home page.

100 The maximum allowed subscription fee is indicated in prospectus regulating SEB mutual funds. In cases when maximum allowed subscription fee indicated in the prospectus exceeds the fee indicated in the pricelist, the smallest fee will be applied.


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1.00 EUR or equivalent in another currency

Services Order has been submitted to the Internet bank

Order has been submitted to a branch / to SEB bank`s brokers

15.8. Brokerage fees in the stock exchanges of the following countries101, 102, 103

Baltic shares 0,30%, min 3.00 EUR 0,50%, min 5.00 EUR

USA shares if a share price is less than 5 USD 0.02 USD for each share, min 15.00 EUR

0.03 USD for each share, min 35.00 EUR

USA shares if a share price is more than 5 USD 0,30%, min 15.00 EUR 0,50%, min 35.00 EUR Scandinavian shares 0,30%, min 15.00 EUR 0,50%, min 35.00 EUR German, French, Belgian, Dutch, Swiss, British, Spanish, Portuguese, Canadian shares

0,30%, min 40.00 EUR 0,50%, min 50.00 EUR

Latvian debt securities auction 0,1% of the amount, min 10.00 EUR Eurobonds 0,1% of the amount, min 50.00 EUR Other securities By agreement Penalty for delayed settlements 0,3% per each day from the full amount of

transaction

Services Fees

In Internet bank At the Bank's branch 15.9. Preparing account statements

Balance report for securities account Free of charge 4.00 EUR Operation report for securities account Free of charge 4.00 EUR

16. Rent of individual safe-deposit boxes104 Services Fees Safe-deposit boxes with height up to 5 cm:

- 1 month 26.00 EUR (plus VAT 5.46 EUR) - 1 year 175.00 EUR (plus VAT 36.75 EUR)

Safe-deposit boxes with height up to 8 cm: - 1 month 30.00 EUR (plus VAT 6.30 EUR) - 1 year 200.00 EUR (plus VAT 42.00 EUR)



Safe-deposit boxes with height up to 80 cm:105

- 1 month 47.00 EUR (plus VAT 9.87 EUR) - 1 year 315.00 EUR (plus VAT 66.15 EUR)

Fee for the failure to return, loss or damage of a safe key issued to the customer 125.00 EUR (plus VAT 26.25 EUR) Fee for use of the safe-deposit box beyond the set term of use (for each delayed calendar day)

4.00 EUR (plus VAT 0.84 EUR)

101 Commission is charged in the currency or its equivalent in another currency according to the pricelist of SEB bank for an executed or partially executed

transaction and it is calculated in accordance with the currency exchange rate set by SEB bank. 102 To apply a transaction to SEB bank’s brokers, the “Agreement on execution of financial instrument transactions” must be concluded. 103 Third-party commission fees may apply to securities purchase and/or sale transactions. 104 The minimum period for rent is 1 month. 105 Safe deposit boxes of such height are available only at the Āgenskalns branch.

SEB bank's General Price list for individuals Approved … · SEB bank's General Price list for...

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