Credit prospectus for investment loan. Sydbank A/S. Why this prospectus?
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1 Credit prospectus for investment loan Sydbank A/S Why this prospectus? Sydbank A/S ("Sydbank") is a Danish bank that, among other services, provides credit. Credit providers are obliged by Dutch legislation to have a prospectus available on their website and to, on request, provide such prospectus free of charge and without delay. This prospectus contains information about credit provided by Sydbank in the form of an investment loan. The aim of this prospectus is to provide you with an understanding of the most important characteristics of the credit facility. How do I apply for credit? If you wish to apply for a loan with Sydbank, you must fill in an application form concerning, among other things, your personal assets and the size of your own funds. In addition, you must provide a copy of a valid passport or driving licence to Sydbank. In order to obtain a loan at Sydbank, you must have a bank account with a bank in the Netherlands. The first payment in relation to the loan has to be made from this bank account. How does Sydbank assess my creditworthiness? Sydbank will establish your credit rating on the basis of the excess own funds which can be raised by you. Your own funds will be calculated by deducting your liabilities from your assets. You can only apply for a loan with Sydbank if your own funds are at least EUR 50, Your own funds may be subject to leverage of 1:1, 2:1 or 3:1. The leverage ratio will be agreed upon by you and Sydbank and depends on your profile, which consists of your knowledge, experience, interest and risk appetite, and on the size of your own funds as follows from the information provided by you in the application form. If your own funds are small, a leverage ratio of 1:1 is usual. If your risk appetite is large and your profile is suited, a leverage ratio of 3:1 can be used. However, a leverage ratio of 3:1 is very rare. If your own funds are EUR 50,000.--, a leverage ratio of 1:1 will be used and you will be able to obtain a loan in CHF with an amount equivalent to EUR 50, If your own funds are EUR 300, and your profile justifies a leverage ratio of 2:1, you will be able to obtain a loan in CHF with an amount equivalent to EUR 600,
2 What is an investment loan? With an investment loan, you borrow a fixed amount for a fixed term and then pay off the loan in a lump sum at the end of the term of the loan. During the term of the loan you will pay interest. The loan is granted in CHF as an adjustable-rate loan in which the interest rate is adjusted monthly, quarterly, semi-annually or annually. The fixed term of the loan will be determined by individual agreement between you and Sydbank. Usually, the fixed term of the loan will be 5 years. Sydbank provides an investment loan to purchase securities. Sydbank will impose a condition requiring you to pledge the securities, you have purchased using the loan, to Sydbank. The investment loan arrangements are set out in an individual investment loan agreement. Terms and conditions of investment loan The General Terms and Conditions of Foreign Currency Loans and the Terms and Conditions for Retail Customers are applicable to the investment loan and form an integral part of the investment loan agreement. Important provisions in these general terms and conditions and in the investment loan agreement are, amongst others: Security right Sydbank With an investment loan, your own funds of at least EUR 50, must be deposited with Sydbank. In addition, Sydbank will demand security in the form of rights of pledge over your own funds and over the securities you have acquired with the money you have borrowed. The securities to be pledged to Sydbank may include shares, bonds and units. The set-up also includes a series of pledged accounts. Demand for repayment of the credit by Sydbank If you are in default, or if you are unable to observe the individual agreement specified in the loan agreement concerning additional collateral to be provided if the value of the loan rises or if the value of collateral provided diminishes, Sydbank may demand repayment of the loan. In addition, Sydbank may demand repayment of the loan if you do not pay any amount due under the investment loan agreement in due time, if you are subjected to individual legal proceedings
3 by way of execution or attachment, you suspend your payments, you are declared bankrupt, you enter into negotiations for a composition or debt rescheduling, you decease, you take up permanent residence in another country or you are in default on your other business transactions with Sydbank. Early pay off You may repay the loan to Sydbank at any time during the life of the loan. Other agreements to be entered into In order to obtain an investment loan with Sydbank, you must enter into a separate custody account agreement with Sydbank as well. In addition, you must enter into one or more security agreements in order to create a right of pledge in favour of Sydbank over the securities you have acquired with the money you have borrowed. What does an investment loan cost? The effective annual interest rate gives you an indication of the price of the credit facility. This includes all costs of the credit facility. Please see below four examples of the costs associated with credit. Loan amount Effective interest on annual basis Term Monthly instalment Terminal payment Total price of the loan Loan CHF 85, % 5 years None CHF 85,000 CHF 105, Loan CHF 150, % 5 years None CHF 150,000 CHF 188, Loan CHF 400, % 5 years None CHF 400,000 CHF 499, Loan CHF 750, % 5 years None CHF 750,000 CHF 941,
4 How do I calculate the total credit payment? If you borrow an amount of CHF 85,000.--, the costs of the credit are as follows: Principal amount CHF 85, Interest during the term of the loan CHF 17, Current costs in connection with the CHF 2, provision of collateral during the term of the agreement Total price of the credit CHF 105, You can calculate the total credit payment you will have to pay for the investment loan by deducting the principal amount of the loan from the total price of the credit. In the example above the total credit payment is CHF 105, minus CHF 85, = CHF 20, Compensation/extra costs in case of default In case of default on the loan, Sydbank may claim its expenses from you, including a fixed fee for sending reminders. Sydbank may also claim penalty interest form you in case of overdue payments. The following information does not form part of the credit prospectus. Information about Sydbank Sydbank A/S is a Danish public limited liability bank. The address of Sydbank is: Sydbank A/S Peberlyk 4 DK-6200 Aabenraa Denmark
5 The branch for Dutch clients is: Sydbank A/S Private Banking International (PBI) Torvet 2 DK-6300 Gråsten Denmark Sydbank is a full-service bank that offers personal advice and service in more than 100 branches and a wide range of e-banking solutions to both corporate clients and retail clients. Sydbank's product range includes all banking and pension scheme products as well as access to mortgage credit and insurance. If you wish to file a complaint against Sydbank you must contact the relevant branch of Sydbank. If this approach does not lead to a result which is satisfactory to you, you may contact Sydbank's complaints department, i.e. Sydbank's Legal Department, Peberlyk 4, DK-6200 Aabenraa. Ultimately you may file a complaint with the Financial Services Complaints Board, Østerbrogade 62, 4. sal, DK-2100 Copenhagen Ø. Sydbank is under the supervision of the Danish Financial Supervisory Authority (FSA). Sydbank is licensed by law to offer financial services in the Netherlands and is registered with the Autoriteit Financiële Markten (Dutch Financial Markets Authority, "AFM") under licence number Sydbank, PBI, offers its clients investment loans to purchase securities including ongoing advisory services. You must have a certain minimum of own funds to be able to apply for an investment loan with Sydbank. The purchased securities are pledged as collateral for the repayment of the investment loan. The type of securities invested in comprise investment units, however subject to agreement with Sydbank it may be possible to invest in other securities as well. Sydbank will provide advisory services on the basis of two model portfolios and you will decide between medium and high risk. These model portfolios reflect Sydbank s outlook on the market. It will be possible to authorise Sydbank under a Letter of Attorney to Trade Securities to make changes to your portfolio in accordance with the changes of the model portfolio as decided by you. Your own funds must be at least EUR 50,000, with leverage ratios of 1, 2 or 3, however a maximum of 3. As a rule the investment loan is granted in CHF but can be granted in other currencies according to Sydbank s current recommendations.
6 Sydbank offers advisory services by way of information and client meetings in the Netherlands in connection with the establishment of the investment loan as well as every quarter. However it will be possible to receive advisory services by telephone on an ongoing basis.
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