Customer Questionnaire for Natural Persons

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• Customer Questionnaire for Natural Persons

Good to know

• Why do banks ask their customers to provide information about them?

  Relationship between a bank and its customers is based on mutual trust. We care about our customers’ trust; we, therefore, periodically publicly announce our financial results and other performance reports. Accordingly, we ask our customers to provide certain information about them as well.

  Provision of information is important for several reasons. First, banks must comply with very strict legal requirements which oblige them to implement the ”Know Your Customer (KYC)” principle. Implementation of this principle is related to application of international measures aimed at prevention of money laundering and terrorism financing. Banks must ensure that their infrastructure is not abused by malicious entities or by persons who pose threat to others.

  Another important reason is that banks care about their customers’ security and the security of their accounts. With up-to-date details available, we can ensure safety of accounts more easily, prevent illegal actions by fraudsters, stop suspicious transactions and thereby protect our customers from financial losses.

• Do these requirements apply to other banks as well?

  Yes, local and international legislation imposes an obligation on banks in other countries to apply the “Know Your Customer” principle.

• Why do I have to update my questionnaire so often?

  While observing the principle “Know Your Customer”, we have to use the latest information. Therefore, we ask our customers to update their data in line with the procedure specified in the legal acts.

• Why can’t I perform any actions without completing the questionnaire?

  The laws and market surveillance authorities have obliged us to know the recipients of the bank’s services. Therefore, the customer questionnaire is the first step we make to better know our customers and obtain information required in the legal acts. The laws stipulate that in the event the customer does not complete the questionnaire, the bank will have no possibility to render the services which are related to bank accounts and card management to this customer.

• Why do I have to submit data about my income?

  We ask to submit the data about the income in order to better understand the origin of the funds on the customer’s account. This helps us to better know our customers.

• Why do I have to specify my position, i.e. whether I am an employee, a specialist or a manager?

  We ask our customers to specify their job position because it helps us better know our customers.

• What is the tax payer’s number (TIN)?

  The tax payer identification number (TIN) – is a personal identification number, which is used when exchanging tax information between different states in line with the Common Reporting Standard (CRS). In case of a resident of Lithuania, the tax payer number coincides with the customer’s personal identification number.

• How can I complete and submit the questionnaire?

  You can complete and submit the questionnaire by one of the following ways:

  • By logging in to your Internet Bank account
  • By arriving to any Swedbank customer care branch

• What languages can be used to fill in the questionnaire?

  Lithuanian, English, Russian.

• What could happen if I refuse to submit the declaration/questionnaire?

  If the bank is not provided with the necessary information, in certain cases, the bank will no longer be able to provide its services to such a customer. This may mean restrictions in using one’s account, card, online banking. Money in your account will not disappear, however, you will have access to banking services only after you provide the required information.

• Who are “politically exposed persons”?

  Please provide information on whether you are a politically exposed person or a close family member/close business associate to politically exposed person. Please note that if you are a close family member/close business associate to a politically exposed person, you have to provide information about this politically exposed person. Definitions of politically exposed persons, close family members/close business associates to politically exposed persons are available here.

• Which institutions are authorised to receive the details I provide?

  All of the data you provide us is protected by strict security and confidentiality rules.

  We disclose customer data to third persons only if we have received the customer’s written consent or if the disclosure of data is required of us pursuant to law (e.g. a notary, the police, the State Revenue Service and Customs Board).

  Information is not collected with the purpose to immediately forward it to other institutions. Information you provide is stored responsibly. In certain cases, when this is necessary, authorised institutions (law enforcement, security provision, etc.) are entitled to address banks and request the provision of information about a customer. In such case, the bank, in accordance with laws, will be obliged to provide such information.

• How do you ensure that my data is in safety?

  • Banks have a duty to guarantee secrecy of customer’s identity, accounts, deposits and transactions
  • Information regarding a customer and their transactions acquired by the bank through provision of financial services under the relevant contract is non-disclosable information
  • The bank may disclose such information only to customers themselves or to their representatives except in cases laid down in the Law on Credit Institutions – to government authorities and other persons, as set forth by this law

• Which legislation regulates the Know You Customer principle, including data processing routines, and where can it be found?

  • Republic of Lithuania Law on the Prevention of Money Laundering and Terrorist Financing
  • Law on Commercial Banks
  • Republic of Lithuania Law on Legal Protection of Personal Data
  • Resolutions of the Bank of Lithuania
  • Orders of the director of the Financial Crime Investigation Service under the Ministry of the Interior of the Republic of Lithuania
  • Orders of the director of the State Data Protection Inspectorate

  Detailed information about legal acts regulating money laundering is available on the Internet website of the Financial Crime Investigation Service under the Ministry of the Interior of the Republic of Lithuania: http://www.fntt.lt/lt/pinigu-plovimo-prevencija/teises-aktai/69, more information is also available on Swedbank website at www.swedbank.lt. It also provides information about prevention of money laundering and terrorist financing and the Know Your Customer principle. Additional information prepared by Swedbank.

• Explanation of completion of the customer questionnaire for natural persons for customers aged 14 – 17

  These clarifications are aimed for you, if you are independently completing the Customer Questionnaire for Natural Persons (hereinafter referred to as the Questionnaire) of “Swedbank”, AB (hereinafter referred to as the Bank) upon the Bank’s request, and if you are uncertain as to what information Bank requests and where you could find it independently. The questionnaire is compulsory for opening a bank account or renewal of your information.

  Title	Clarification
  “KEY INFORMATION”	You can easily find your data in your identity document, i.e. your passport or personal identity card. Note! A personal identity card does not provide any data about the country of birth. You may have several citizenships if you have personal identity documents issued by several states. In this case, please specify all your citizenships. If you do not have certain information or you are not sure, ask your parents or guardians.
  “PERSONAL IDENTITY DOCUMENT”	It is most likely that you only have a personal identity document issued in Lithuania. In this case, in this section please indicate the following information: type of the personal identity document (passport or personal identity card); Lithuania as the state of issue of the personal identity document; number of the personal identity document; date of issue and expiry of the personal identity document. In the event you have more than one personal identity document, please provide data about these documents in this section. In the event you do not have a personal identity document issued in Lithuania, please, in this section, provide data about your personal identity documents issued by another state AND the (temporary or permanent) residence permit in the Republic of Lithuania (if you have one). If you do not have certain information or you are not sure, ask your parents or guardians.
  “CONTACT INFORMATION”	Please indicate your contact phone number and e-mail address, if you have them. If you live permanently in Lithuania, you will most probably have a telephone number provided by telecommunications companies operating in Lithuania. In this case, the area code in the phone number is +370, and the phone number starts with the number 6. In the e-mail section provide the e-mail address, to which the Bank could send information, which is aimed for you and which is related to the Bank services you use. The Bank could also use this e-mail address to send you a request to revise the information provided in the Questionnaire. If you do not have certain information or you are not sure, ask your parents or guardians.
  “ADDRESS OF THE PERMANENT PLACE OF RESIDENCE”	In this section, please indicate the address of your permanent place of residence, i.e. the address where you live permanently or spend most of the time (state, municipality, region, city, street, number of the house/apartment and the post code (you can find it on the website www.post.lt). If you do not have certain information or you are not sure, ask your parents or guardians.
  “CORRESPONDENCE ADDRESS”	Complete this section only if you want Bank notifications to be delivered to the address other than the address of the place of residence. If you do not have certain information or you are not sure, ask your parents or guardians.
  “INFORMATION ON TAX PAYMENT”	If you are a citizen of the Republic of Lithuania and permanently reside in Lithuania, the state where you pay taxes is Lithuania, and your tax payer number is your personal number indicated in your personal identity document. If you are a citizen of another state and you have a temporary or permanent residence permit in Lithuania, your Lithuanian tax payer number is your personal number indicated in your temporary or permanent residence permit in Lithuania. Ask your parents or guardians for information about the tax payer number provided by a foreign state. If you do not have certain information or you are not sure, ask your parents or guardians.
  “LINKS WITH LITHUANIA AND REASONS FOR HOLDING A BANK ACCOUNT”	If you permanently reside in Lithuania, do not complete this section and leave it empty. If you permanently reside NOT in Lithuania, you have to complete this section of the Questionnaire and indicate the reason of your links with Lithuania: if you work in a Lithuanian company, please indicate “Work in a Lithuanian company” and provide the name and code of the company. You must also submit a document confirming that you work in a Lithuanian company, for example, a certificate from your place of work or a job agreement; If you are the owner of a Lithuanian company or you participate in the management of such a company, please indicate “I own a company in Lithuania and I participate in the management of this company” and provide the name and the code of the company, as well as indicate whether you are the owner of the company or a member of the management body and provide the share of your equity in the company expressed in percent. You must also submit a document confirming that you are the owner of a Lithuanian company or participate in the management of such a company, for example, an extract from the Register of Legal Entities; if you study in a Lithuanian education institution, indicate “Studies in a Lithuanian education institution” and provide the name of the education institution. You must also submit a document confirming that you study in an education institution, for example, a certificate from the education institution; if your mother, father, brother, sister or guardian is a citizen of the Republic of Lithuania or a legal resident of Lithuania, i.e. he or she has a valid temporary or permanent residence permit in Lithuania, please indicate “I have family links in Lithuania” and provide the full name and personal number of this person. You also have to provide a document confirming your family links in Lithuania, for example, a certificate of birth; if you own a parcel of land or another immovable property in Lithuania, please indicate “I own a property in Lithuania” and provide information on whether it is a parcel of land or other immovable property (for example, apartment, house), the address and the post code (it can be found on the website www.post.lt) of this property. You must also submit a document confirming that you own a property in Lithuania, for example, an extract from the Real Estate Register, a real estate sale and purchase agreement certified by a notary public, or a certificate of the right of inheritance; if the reason of your links with Lithuania is other than the above-specified, please indicate“Other reasons for holding an account” and provide detailed information about it, for example, “Receipt of inherited funds”, and submit a document confirming such a reason (if you have such a document). If you do not have certain information or you are not sure, ask your parents or guardians.
  “REPRESENTATIVE”	In this section, indicate your mother, father or guardian and the full name and personal number of this person. If you do not have certain information or you are not sure, ask your parents or guardians.
  “INCOME/ ASSETS”	Completion of this section: Please indicate whether you are planning to transfer funds/securities to the account with the Bank from other financial institutions within the upcoming 3 months. In the event your answer is “YES” and the amount specified is higher than EUR 15,000, you have to provide detailed information about the source/origin of the funds and/or assets, i.e. the source of the funds to be transferred and/or the funds for acquisition of the securities (for example, savings), and to specify the countries from which the sources/securities were transferred. When completing the section “Specify the average monthly amount to be transferred to the account with “Swedbank”, AB and the origin of the money”, try to estimate the approximate monthly amount of money to be transferred to your account with the Bank. If the money is transferred to you by your parents/guardians, please estimate the approximate amount of money they give your per month. Choose the appropriate amount. In the event the amount specified by you exceeds EUR 15,000, you have to specify the origin of the money, i.e. the source of the money transferred to the account (for example, transfers from relatives, wages), and in the section “The total estimated amount of my assets”, you have to indicate the amount of the planned average monthly income, which will be transferred to your account with the Bank. If you receive money only from your parents/guardians or other relatives, in the section “The source and the average amount of your all monthly income (including the funds transferred to accounts with banks other than “Swedbank”, AB (specify in EUR)” indicate “Transfers from relatives” and select the appropriate amount. If you do not have certain information or you are not sure, ask your parents or guardians.
  “NATURE AND PURPOSE OF THE RELATIONS WITH THE BANK”	Completion of the section “What revenue are you planning to receive to your account(s) and what is the planned average monthly amount (specify in EUR)”: In the event you will be transferred money from Lithuania, in the Questionnaire section “Domestic transfers” select an approximate average monthly amount you are planning to receive per month. In the event you will be transferred money from foreign states, in the Questionnaire section “International transfers”: indicate an approximate average monthly amount you are planning to receive per month; indicate the number of planned international transfers, i.e. whether the number of such transfers will be less or more than three transfers per year; specify foreign states from which you will receive international transfers; specify the purpose of the international transfers, t. y. the aim of the money you are planning to receive from foreign states. In the event cash will be deposited to your bank account through ATMs or in a Bank subdivision, in the Questionnaire section “Cash deposits” specify the amount of the deposits, i.e. whether it will be up to or more than EUR 15,000 per months. In the event the amount of the cash deposited will be more than EUR 15,000 per month, you have to specify the most frequent origin of the cash, i.e. where you are planning to receive cash from (for example, your parents or guardians will give you some cash, and you will want to deposit them to your account, or you may receive cash from your activities which you will want to deposit to your account). Completion of the section “What operations are you planning to perform with your account(s) and what is the planned average monthly amount (specify in EUR)”: In the event you are planning to transfer money to accounts in Lithuania, in the Questionnaire section “Domestic transfers” select an approximate average monthly amount you are planning to transfer. If you are planning to transfer money to foreign states, in the Questionnaire section “International transfers”: indicate an approximate average monthly amount you are planning to transfer; indicate the number of planned international transfers, i.e. whether the number of such transfers will be less or more than three transfers per year; specify foreign states to which you will make international transfers; specify the purpose of the international transfers, t. y. the aim of your transfers of money to foreign states. In the event cash will be withdrawn from your bank account through ATMs or in a Bank subdivision, in the Questionnaire section “Cash withdrawals” specify the amount of the withdrawals, i.e. whether it will be up to or more than EUR 15,000 per months. In the event the monthly amount of cash withdrawals exceeds EUR 15,000 per month, you have to indicate the most frequent reason for cash withdrawals, i.e. the most frequent use of the money you withdraw from your bank account. If you do not have certain information or you are not sure, ask your parents or guardians.
  “TYPES OF ACTIVITIES”	In the event you are engaged in individual activities, in this Questionnaire section specify the type of activities and the planned average monthly turnover of the activities. If you do not have certain information or you are not sure, ask your parents or guardians.
  “POLITICALLY EXPOSED PERSONS, THEIR CLOSE FAMILY MEMBERS AND CLOSE ASSOCIATES”	In the event one of your parents, guardians, brothers, sisters, as well as spouses of these persons currently occupy or have occupied within the last 12 months important public positions, you have to indicate this fact in this section of the Questionnaire. In this case you must also specify in the Questionnaire section the full name, personal number, position of this person as well as the institution where this person works, the last date of his position (if you know it) and the country, where this person is a politically exposed person. If you do not have certain information or you are not sure, ask your parents or guardians.
  “OTHER INFORMATION”	If you are a student, in the section “Position” indicate “Student”.

  You can always use the possibility to consult with the Bank employees. You can do this by calling to the 1884 or by visiting any subdivision of the Bank.