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Protection of investors

A set of general guidelines governing the services of investing in financial instruments took effect in the European Union and the European Economic Community (EEC) on 1 November 2007.

The Markets in Financial Instruments Directive (MiFID) is the basis of legislation, i.e. the Law on Markets in Financial Instruments of the Republic of Lithuania. The respective provisions of the Law on Markets in Financial Instruments of the Republic of Lithuania, applied as of 1 November 2007, have tightened requirements for all investment service providers by ensuring more security for investors.

More responsibility for proper recommendations

When you decide to invest in securities, investment funds and structural or other types of financial instruments, your investment advisor has an important role to play.

Our essential prerequisite in providing adequate recommendations tailored to your needs is knowing your individual situation and investment goals. You need to make an informed decision, so it is critical that you understand all the features of the investment instruments and related risks.

Legislation defines requirements for information on financial instruments and on the risks of a specific investment provided to customers. Your knowledge and understanding of related risks is a critical point in continuing a discussion on potential investing strategies.

Fair and uniform handling of orders

Your filed orders are fulfilled in a fair and equal way regardless of the type or amount of your order.

Before we start providing investment services to you, you have to familiarise yourself with the policy for fulfilling financial instrument orders. The bank’s policy was developed to achieve the best results of your orders as well as a more transparent procedure of handling and fulfilling orders.

Protection for investors according to their activity on financial markets

Legislation ensures protection for investors which is proportional to their knowledge and experience on financial markets. To ensure the best quality of services, we have categorized our customers.

Unprofessional investors

Private customers and businesses with limited experience of investing in financial markets fall into the category of unprofessional investors. This category is provided with the highest investor protection.

Professional investors

Professional investors are institutions, large businesses, governmental authorities, etc. These are considered to have more knowledge of financial products and services compared with unprofessional investors, so they are provided with lower protection.

Eligible counterparties

The third category is eligible counterparties: banks, central banks, governmental authorities, etc. This category is provided with the lowest investor protection.

You may request to be included in a different category of investors. If you file such a request and are moved to the category of professional investors, you’ll lose the higher level of investor protection that you had as an unprofessional investor. All requests to change the category will be carefully reviewed to ensure that investors understand all the effects of such change.

Investing at your choice

One of the legal requirements is to ensure that investing customers know the risks related to the financial instrument they are going to buy.

If you are investing without consulting professionals, your order to invest in selected financial instruments will be fulfilled only after an investment eligibility assessment. We will inform you about the features and risks of financial instruments before you invest in them and will ask you to complete a product suitability checklist.

Customers who confirm their understanding of the risk related to a specific instrument also confirm that they understand the risk of other instruments within the same group.

Changes to agreement terms

“Order Fulfilment Policy of SEB Group” (PDF, 74 KB) please visit a SEB bank unit of your choice or log in to the securities trading website.


Visit a SEB bank unit or log in to the securities trading website to sign the new version of the agreement.

Please note that when you sign a securities account agreement and instruct SEB to perform a transaction, you agree that the transaction be performed according to the order fulfilment policy. You can also confirm that the order may be fulfilled outside the regulated market or the multilateral trade system.



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