1. Share Savings Programme 2009 Same structure as 2008 programme You’ll receive invitation beginning of September Apply online no later than 4 October 2009

2. 2 "Welcome to invest in SEB´s future" "We are dedicated in our ambition to develop SEB as the best bank in Northern Europe. The success depends on the commitment of you and your colleagues. The share savings programme gives you an opportunity to take part in SEB´s long-term value creation. I hope the programme will encourage you to have a share in the company in which you work." Marcus Wallenberg Chairman of the Board of Directors 2

3. 3 Same structure as 2008 You’ll receive invitation beginning of September Apply online no later than 4 October Decision for 2009 programme Annual General Meeting on March 6 Participating countries Denmark Estonia Finland Germany Latvia Lithuania Eligibility All employees with permanent or temporary employee status can participate Hourly wage earners are not eligible to participate The Share Savings Programme 2009 Luxembourg Norway Singapore Sweden UK USA

4. 4 You can save up to 5 per cent of the fixed gross monthly salary for purchase of SEB shares If the shares are kept for three years and you still are employed by SEB, you will get one free matching share for every share purchased The shares are not locked during the period, you can stop saving or sell shares any time The programme in brief

5. 5 Matching period ●February 2013 – November 2013 ●Quarterly share matching ●One share for free for every share purchased during the Savings period Overview Qualification period ●36-month period after each share purchase ●Keep the shares ●Stay with SEB Savings period ●November 2009 – October 2010 ●Monthly savings deductions ●Quarterly share purchases

6. 6 Quick facts Exit from programme is possible at any time –Stop saving –Sell shares already bought Change savings amount possible twice during the programme –From February and June salary deduction Same rights as share holder as ordinary shares, including dividends –Dividends reinvested in SEB shares

7. 7 Equate Plus – web based computer system owned by UBS Participants in the 2008 programme keep username, password etc. Access through the internet, like an internet bank. 24/7, you can –view your balances –put sale and transfer orders UBS offers call centre for questions and help Shares will be held in custody by SEB No need for private custody account Administration – Equate Plus

8. 8 What happens if…? If you quit, or employment contract expires –Savings will be stopped –The right to matching shares is lost –You can sell your saving shares or transfer them to your private custody account In case of invalidity, redundancy or retirement –Savings will be stopped –The right to matching shares for shares already bought is not affected Employees on parental leave, sick leave, sabbatical etc –Savings will continue –You are qualified for matching shares if you keep the shares

9. 9 Risks! Owning shares is a financial risk No guarantees for profitability or that you will get your invested money back The share price is related to a lot of factors over which SEB has no control Employees outside Sweden are exposed to a foreign exchange risk (as well as a possibility for a positive effect)

10. 10 Printed local language invitation folder All eligible employees will receive an invitation folder Information available on the Intranet/Extranet –2009 Terms & Conditions and Agreement (printer friendly format) –“Change form” (for change of bank account etc). –Archive with information for 2008 programme. Invitation letter contains generic information about the programme – no country specific information 10

11. 11 Application Link with log-in code for web application in invitation folder If you participate in the 2008 programme, most information will be pre-completed. New participants fill in i.a. the following details: –Address (e-mail and regular) –Telephone numbers –Tax country –Chosen amount to save Maximum 5% of monthly fixed gross salary in June 2009 Minimum EUR 10 (or eqv.) Last day of application: 4 October, 2009

12. 12 Local language extranet End of August: Local information available on extranet Accessible from any internet connected computer –www.sebgroup.com/ssp –No user name/password needed Also accessible via Employee Self Service on SEB’s intranet. Content: Introductory film with Marcus Wallenberg Frequently asked questions Possibility to submit questions Terms & conditions and agreement 2009 (archive for brochure and T&C 2008) Forms, e.g. for changing account information or decrease savings amount Tax information Local support number and e-mail addresses

13. 13 Printed information Invitation letter with personal application code www.sebgroup.com/ssp Find everything about the programme in one place Submit your questions about the programme via the e-mail form Apply online For questions about salary deductions, specific employment situations etc HR Centre in your country Financial information www.sebgroup.com Business press and internet sites No unit within SEB can advise you on how the SEB share will develop, your economic situation, taxation or if you should participate in the programme. More information/Contacts (can be customised in each country)

14. 14 What happens now? read information in invitation and at www.sebgroup.com/ssp assess the risks involved for you calculate the effect monthly savings will have on your finances get more information if required, e.g. from the extranet, external advisor etc. If you want to participate from start: Apply no later than 4 October 2009 at www.sebgroup.com/ssp! 14