Standard European consumer credit information

Creditor

Address

Phone number

Web address

Svea Bank AB (publ), filial i Finland

Mechelininkatu 1 a, 00180 Helsinki

+358 9 4242 3330

www.svea.com/fi-FI

Credit is unsecured, commodity-specific credit

The total amount of credit

This means the ceiling of the total sum made available under the credit agreement.

The amount of credit may vary depending on the merchant.

The conditions governing the drawdown

This means how and when you will obtain the money.

The creditor pays the granted credit to the merchant after a favorable credit
decision and the delivery of the goods or service/s.

The duration of the credit agreement

1-120 months

Installments and the total amount you will have to pay

Refers to the amount of the loan principal, interest and other expenses related to your credit, if any.

The credit is repaid in monthly instalments that include interest on the outstanding
principal and amortisation of the principal. The amount of the amortisation
of the principal is the agreed percentage of the capital balance of the credit at
the time of invoicing.

Installment: If the amount of the credit is for example EUR 1000 and the loan
period is 12 months, the fees are 0,01 % a day, being at least 5 € and 150
€/year the highest, and the annual interest is 20 %, the monthly installment is
EUR 95,43. Opening fee will be charged along with the first invoice.

The total costs of the example credit are EUR 1145,21 whereof the credit
costs EUR 33,60 and interest EUR 111,61.

Purchase credit: If the amount of the credit is for example EUR 1000 and the
loan period is 12 months, the opening fee is EUR 5 and the annual interest is
20 %, the monthly installment is EUR 93,05 €. Opening fee will be charged
along with the invoicing.

The total costs of the example credit are EUR 1116,61, whereof the credit
costs EUR 5 and interest EUR 111,61.

Installments example interest rate is 20 %, but not more than the maximum
interest rate in accordance with Section 7:17 a of the Consumer Protection Act.
Purchase credits interest rate is 20 %, but not more than the maximum
interest rate in accordance with Section 7:17 a of the Consumer Protection Act.

Installment credits annual percentage rate of charge for EUR 1500 example
credit is: 29,08 %.

Costs of the credit: The fees are 0,01 % a day, being at least 5 € and 150 €/year
the highest, annual interest rare 20 %. Credit amount EUR 1000, payment period
12 months. Credit costs EUR 145,21 and the total cost of the credit is
EUR 1145,21.

Purchase credits annual percentage rate of charge for EUR 1500 € example
credit is: 22,99 %

Costs of the credit: Opening fee EUR 5, monthly fee EUR 5, annual interest
rate 20 %.

Credit EUR 1000, payment period 12 months. Credit costs EUR 111,61 €, and
the total cost of the credit is EUR 1116,61.

Other costs related to a card or credit agreement

Credit costs are 0,01 % a day, being at least 5 € and 150 €/year the highest,
calculated from the purchase amount. Change of due date at the request of
the customer, a fee of EUR 5 will be charged, maximum 20 € in a year.

The lender has the right to change the fees provided taken that it is legal and
the lender notifies these changes to the customer in advance.

Costs in the case of late payments

Missing payments could have severe consequences (e.g. forced sale) and make obtaining credit more difficult

The customer will be charged with interest on late payment in accordance with
the Interest law from the due date to the payment date. However, interest on
late payment shall be payable on the same basis as before the due date, up to
180 days from the date on which the debt is fully due.

A reminder fee of five (5) euros will be charged for the payment reminder

Right of withdrawal

You have the right to withdraw from the credit agreement within a period of 14 calendar days.

Yes

Early repayment

You have the right to repay the credit early at any time in full or partially

Yes

No

Consultation of a credit register

The creditor must inform you immediately and without charge of the result of a consultation of a credit register if a credit application is rejected on the basis of such a consultation. This does not apply if the provision of such information is prohibited by European Community law or is contrary to objectives of public policy or public security

The creditor will use applicant's personal credit information, when it comes to crediting and credit controlling, received from Dun & Bradstreet's credit index as well as the Tax Administration's Positive credit register.

Right to a draft credit agreement

You have the right, upon request, to obtain a copy of the draft credit agreement free of charge. This provision does not apply if the creditor is at the time of the request unwilling to proceed to the conclusion of the credit agreement with you

Yes

Address

Phone number

e-mail address

Web address

Registration

Mechelininkatu 1 a, 00180 Helsinki

weekdays 8-17, tel: +358 9 4242 3330

asiakasinfo@svea.fi

www.svea.com/fi

Svea Bank AB (publ), Filial i Finland VAT 3237195-7

The operations of Svea Bank AB (publ) are supervised by (Finansinspektionen). Box 7821, SE – 103 97 Stockholm Sweden Brunnsgatan 3 Tel +46 8 787
80 00

The borrower is entitled to withdraw from a credit agreement made by giving the
creditor a notice of withdrawal within 14 days of receiving notification of an accepted credit application and of the date on which the borrower has received a
copy of the agreement and other prior information. A notice of withdrawal can
be made within the time limit set by letter to the address Svea Bank AB
(publ), filial i Finland, Mechelininkatu 1a, 00180 Helsinki or to the e-mail address
asiakasinfo@svea.fi.

The notice of withdrawal must be specific and include at least the following information: borrower's name, date of birth and Svea’s customer number. If the
borrower uses the right of withdrawal, the borrower is liable to pay the creditor
the interest for the time the credit has been at the disposal of the borrower.
Funds, with interest, received by the credit agreement must be refunded to the
creditor within 30 days of sending the notice of withdrawal at the risk of the
withdrawal becoming void.

Finnish Law

Any disputes arising from this credit agreement shall be settled at the Helsinki
District Court. Consumer customers are, however, entitled to submit disputes to
the district court of the Finnish municipality in the jurisdiction of which the customer is domiciled or permanently resident. If the consumer customer does not have permanent residence in Finland, disputes will be settled at the Helsinki
District Court. The credit agreement is governed by Finnish law.

The borrower has the right to receive the prior information and the agreement terms in the Finnish language.

Consumers are entitled to file a complaint with the Consumer Disputes Board (www.kuluttajariita.fi). Before filing a complaint with the Consumer Disputes Board, consumers must contact the consumer rights advisers at a Local Register Office (www.kuluttajaneuvonta.fi).

Kuluttajariitalautakunta Hämeentie 3, P.O. Box 306, 00531 Helsinki, tel. +358 29 566 5200, fax: +358 29 566 5249, e-mail kril@oikeus.fi, www.kuluttajariita.fi