Swedbank Life Insurance SE Terms and Conditions of Life Insurance Savings for Child s Future. Savings with guaranteed amount (IV 2011)

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1 Swedbank Life Insurance SE Terms and Conditions of Life Insurance Savings for Child s Future. Savings with guaranteed amount (IV 2011) 1. Contents of the Contract Savings for child s future is a unit-linked insurance contract with savings, under which the investment risk is assumed by the Policyholder and the Insurer provides the Guaranteed Amount. The Insurance Premiums received shall be used by the Insurer to purchase Investment Units in accordance with the Investment Structure specified in the Price List and according to the Contract period. The Investment Structure is designed to reduce the investment risk towards Contract Maturity. The Policyholder must take into account that the value of the Assets may increase or decrease during the Contract and the value of the Investment Units and the Reserve may increase or decrease accordingly. The Insurance Indemnity shall be paid to the Beneficiary at Contract Maturity in the amount of the Reserve. If at Contract Maturity the Reserve is lower than the Guaranteed Amount, the Insurance Indemnity shall be paid to the Beneficiary in the amount of the Guaranteed Amount. In the event of death of the Insured during the Contract, the Insurer shall increase the Reserve by the Sum Insured and pay the Insurance Indemnity to the Child at Contract Maturity. 2. Definitions 2.1. Insurer Swedbank Life Insurance SE, represented by Swedbank Life Insurance SE Latvian Branch Policyholder A private individual who has entered into the Contract with the Insurer. The Policyholder must be at least 18 years of age when entering into the 2.3. Insured The private individual whose life is insured. Under this Contract, the Insured is at the same time also the 2.8. Price List An integral part of the Contract and in which the Contract fees, the Investment Structure and conditions of transactions in Investment Units and other terms and conditions of the Contract are set out Insurance Premium All and any money payments made to the Insurer under this Contract, except any amounts that are incompliant with the Contract (e.g. if the first Insurance Premium is paid later than on the date specified in the Contract or if the amount paid is smaller than the specified minimum Insurance Premium). The minimum Insurance Premium is specified in the Price List Monthly Risk Sum The money amount that the Insurer uses to calculate the Sum Insured; it shall be equal to the monthly Insurance Premium specified in the Contract, however it may not exceed the maximum Monthly Risk Sum specified in the Price List Sum Insured The amount of money for which the life of the Insured is insured. Upon calculation, the Sum Insured shall be equal to the thenvalid Monthly Risk Sum multiplied by the number of full calendar months remaining till Contract Maturity. In the event of death of the Insured, the Sum Insured by which the Insurer increases the Reserve may not be lower than 2% of the Reserve Insurance Indemnity at Contract Maturity The amount paid by the Insurer to the Beneficiary at Contract Maturity in accordance with the Terms and Conditions of the Contract Maturity The date specified in the Contract on which the Child reaches a certain age Beneficiary The person specified by the Policyholder who shall be entitled to receive the Insurance Indemnity at Contract Maturity. The Beneficiary is specified in the 2.5. Child The person specified by the The Child must be under 16 years of age when entering into the Contract, and the Child shall be the Beneficiary unless stipulated otherwise in the 2.6. Life Insurance Contract (hereinafter referred to as the Contract ) The Contract entered into by and between the Insurer and the Policyholder and in accordance with which: the Policyholder assumes the obligation to pay the Insurance Premiums to the extent and in accordance with the procedure set out in the Contract; and the Insurer shall increase the Reserve by the Sum Insured and pay the Insurance Indemnity at Contract Maturity in accordance with the Terms and Conditions of the 2.7. Insurance Policy (hereinafter referred to as the Policy ) A document issued by the Insurer that certifies the fact of signing the Valid from 20 June 2011 Approved by Swedbank Life insurance SE Board deision on lpp no Reserve The monetary value of the Investment Units purchased for the Insurance Premiums less the Contract fees payable under the Contract in accordance with the Price List and the Insurance Premiums not yet used to purchase Investment Units Guaranteed Amount The amount to be calculated and paid by the Insurer to the Beneficiary at Contract Maturity in accordance with the Terms and Conditions of the Contract as the Insurance Indemnity at Contract Maturity if at Contract Maturity it exceeds the Reserve Investment Structure The set of the Assets specified in the Price List and selected by the Insurer and their weightings in accordance with which the Insurer shall acquire Investment Units using the Insurance Premiums in accordance with the remaining period till Contract Maturity Assets The financial instruments specified in the Price List (inter alia fund units) and other assets that the Insurer has selected for the Investment Structure Investment Unit A conditional unit of the Assets. The value per Investment Unit is equal to the total monetary value of the Assets divided with the total number of Investment Units as of the respective settlement day.

2 2.19. Surrender Value The amount paid by the Insurer to the Policyholder in the event of early termination of the The Surrender Value is equal to the Reserve less the early Contract termination fee specified in the Price List Internet Banking Facility A bank s service channel used by the Insurer to provide messages and Contract-related information, amendments to the Contract and any other actions in connection with the Contract to the In order to be able to use the Internet Banking Facility, the Policyholder shall have concluded a relevant agreement with the bank on the use thereof Guardian The Child s natural guardian (parents), the guardian appointed by the orphans court or any other competent authority or the adopter approved by court. 3. Concluding the Contract and Other Terms 3.1. Conclusion of the Contract The Contract shall commence on the day of issuing the Policy Validity of the Contract and the Insurance Coverage The Insurance Coverage is the Insurer s obligation under the Contract to increase the Contract Reserve by the Sum Insured in the event of death of the Insured, which is deemed an Insured Event under these Terms and Conditions, and to pay the Insurance Indemnity at Contract Maturity in accordance with the The Insurance Coverage shall enter into force from of the next calendar day after the Insurer has received the first Insurance Premium specified in the Policy or a part thereof that is not lower than the minimum Insurance Premium specified in the then-valid Price List. The Insurance Coverage shall be valid 24 hours a day and throughout the world The Contract Period shall be agreed upon between both Parties and specified in the 3.3. Suspension and Resumption of the Insurance Coverage If the Reserve is not sufficient to collect the fees payable under the Contract, the Insurer shall notify to the Policyholder the timeframe for the payment of the required amount If the Policyholder fails to make the payment till the date specified, the validity of the Insurance Coverage shall be suspended on the next day after the expiry of the said timeframe If the Insurance Coverage is suspended, the Contract fees specified in the Price List shall not be calculated anymore. Any Insurance Premiums received in amounts not sufficient to resume the Insurance Coverage shall not be used to purchase Investment Units, but the fees calculated till the moment of suspending the Insurance Coverage shall be collected. If the death of the Insured occurs during a period in which the Insurance Coverage is suspended, the Insurer shall not be obliged to increase the Reserve by the Sum Insured and to pay the Insurance Indemnity at Contract Maturity to the Beneficiary If the Policyholder makes the payment specified in the notice, the Insurance Coverage shall be resumed. The suspended Insurance Cover shall be resumed at on the next day after receiving the respective payment If the Insurance Coverage is suspended and the Policyholder fails to make the payment specified in the notice, the Insurer shall have the right to terminate the Contract unilaterally on the date specified in the notice Contract Parts and Contract Currency These Terms and Conditions of Insurance, the Policy, the Price List, and other annexes and amendments to the Contract shall be an integral part thereof The Contract Currency shall be the national currency of the Republic of Latvia. The Policyholder shall pay the Insurance Premiums in the Contract Currency, and the Insurer shall use the Insurance Premiums received to purchase Investment Units in the relevant Asset currency. The Sum Insured and the Reserve for all transactions and reports shall be calculated in the Contract Currency, using the exchange rate specified in the Price List as of the day of payment. Insurance Indemnities and other disbursements hereunder shall be made in the Contract Currency Notifications to and Change of the Beneficiary The Policyholder shall be obliged to explain the Beneficiary or the Guardian their rights and obligations arising from the Until an occurrence of an Insured Event, the Policyholder shall have the right to change the Beneficiary at Contract Maturity, appointing the policyholder or the Child as the Beneficiary upon written or equal to written notice to the Insurer thereon From the date of death of the Policyholder, the Child shall become the Policyholder who is entitled to receive the Insurance Indemnity at Contract Maturity Policyholder s Authorisation The Policyholder authorises the Insurer not to terminate the Contract in the event of death of the Policyholder and to continue it till Maturity in accordance with the provisions of the Contract, i.e. to manage and change Investment Units and the weighting thereof in accordance with the Investment Structure specified in the Price List till Contract Maturity The Policyholder agrees that the Insurer shall be entitled to receive the Contract fees specified in the Price List for the services referred to in Clause above and provided by the Insurer till Contract Maturity The Policyholder agrees that following the death of the Policyholder the Insurer has the right to change as necessary the Contract fees and the Investment Structure Assets and/or weightings thereof specified in the Price List. 4. Insurance Premiums 4.1. The Policyholder and the Insurer shall agree on regular Insurance Premium payments, specifying in the Contract the amount of the monthly Insurance Premium and the payment date thereof. The Policyholder may pay, at their own discretion, additional Insurance Premiums The Policyholder shall pay the first Insurance Premium in the amount specified in the Policy or at least the minimum Insurance Premium specified in the Price List not later than within 60 days of signing the 4.3. If the Policyholder has not paid the first Insurance Premium in the amount specified in the Policy or at least the minimum Insurance Premium specified in the Price List within 60 days in accordance with Clause 4.2 above, on the 61 st day at the Contract shall be deemed void as from the day of signing the 4.4. Upon agreement between the Parties, the Policyholder may pay subsequent Insurance Premiums in amounts and within timeframes opted for by the In this event, the Policyholder shall pay the Insurance Premiums at least in amounts that ensure a sufficient Reserve for collecting the fees payable under the 4.5. The Insurance Premium shall be deemed paid as of the moment when it is received in the current account of the Insurer, provided that the correct Policy number and other details required by the Insurer have been provided correctly in the payment order. If any data in the payment order are incorrect or missing, the Insurance Premium shall be deemed paid as of the moment when the Insurer has established the required data The Insurance Premiums received shall be used by the Insurer to purchase Investment Units in accordance with the terms and conditions set out in the Price List If the Insurer is unable to purchase Investment Units for the Insurance Premiums received under the Contract, the Insurer 2.lpp no 5

3 shall return the respective amount to the Policyholder upon receipt of a written or an equally valid request from the 4.8. The Insurance Premiums shall be paid in the Contract Currency. If the Insurance Premium is paid in any other currency, it shall be deemed paid if the Insurer has agreed to it, and in this case the Policyholder shall bear all the expenses in connection with executing the payment order, currency exchange and other expenses. The said expenses shall be deducted from the received Insurance Premium. 5. Investments and Contract Fees 5.1. Investment Structure The Insurance Premiums received shall be used by the Insurer to purchase Investment Units in accordance with the then-valid Investment Strategy The Policyholder must take into account that the value of an Investment Unit may increase or decrease and the value of the Reserve may accordingly increase or decrease in accordance with the value of the Investment Unit Considering Clause above, the proportional distribution of the values of investment Units of the Reserve may be different from the Investment Structure set out in the Price List. One time per calendar year, in accordance with the procedure set out in the Price List, the Insurer shall increase or reduce the number of Investment Units of the Reserve in the respective Assets if the proportional distribution of Investment Units of the Reserve does not match the Investment Structure specified in the Price List If due to circumstances outside the control of the Insurer it becomes impossible to perform transactions in the Assets and/or calculate the value of the Reserve, and therefore the Insurer is unable to perform transactions in Investment Units, the Insurer shall perform the transactions related to the Contract as soon as it becomes possible. In this case, the Insurer shall not be held liable for any damage incurred by the If any dividends or interest are paid on the Assets, the quantity of Investment Units shall be increased by the Insurer respectively by the amount of the dividends or interest paid and in accordance with the then-valid Investment Structure The Insurer shall have the right to change the Investment Structure and the Assets included it and the weightings thereof unilaterally. The Insurer shall notify such changes to the Policyholder at least 30 days prior to their entry into force, except in the case referred to in Clause hereof. The Policyholder shall have the right to early termination of the Contract if the Policyholder does not agree to the amendments to the Contract upon written or equal to written notice to the Insurer thereon. If the Policyholder has not provided a Contract termination notice to the Insurer within 30 days of the sending the notification on amendments, it shall be considered that the Policyholder has agreed to the amendments Contract Fees Contract fees are payments that the Insurer shall be entitled to deduct from the received Insurance Premiums and the Reserve in accordance with the then-valid Price List To collect the Contract fees from the Reserve, the Insurer shall sell the required quantity of Investment Units on the respective settlement day The Insurer reserves the right to change the Contract fees specified in the Price List unilaterally during the The Insurer shall notify such changes to the Policyholder at least 30 days prior to their entry into force, except in the case referred to in Clause hereof. The Policyholder shall have the right to early termination of the Contract if the Policyholder does not agree to the amendments to the Contract upon written or equal to written notice to the Insurer thereon. If the Policyholder has not provided a Contract termination notice to the Insurer within 30 days of the sending the notification on amendments, it shall be considered that the Policyholder has agreed to the amendments. 6. Insurance Indemnity and Other Disbursements 6.1. Insured Events and exceptions Insured Events Insured events are: Death of the Insured; Expiry of the Contract, provided that they have occurred after the entry into force of the Contract and during the validity of the Insurance Coverage Exceptions In the event of death of the Insured during the Agreement the Insurer shall not increase the Reserve by the Sum Insured if the reason for the death is one of the following: Suicide by the Insured within 2 years of the entry into force of the Insurance Contract; if the Insured has driven a vehicle being under the influence of alcohol, narcotic, psychotropic or other intoxicating substances and the concentration thereof has exceeded the level stipulated in the legislation of the country which the traffic accident has taken place in; nuclear catastrophe, weapons of mass destruction, war, participation of the Insured in mass riots or military operations (military training is not deemed military operations); actions by the Beneficiary or the Insured with the intent to commit a criminally punishable act and the said fact has been certified with investigation and/or court institution documents; Death of the Insured due to illness within one year of the entry into force of the Insurance 6.2. Death of the Insured In the event of death of the Insured, except if the cause of death is listed in Clause hereof, the Insurer shall increase the Reserve by the Sum Insured, i.e. acquire Investment Units for the Sum Insured in accordance with the procedure set out in the Price List The Beneficiary shall notify the Insurer on the death of the Insured themselves or through third persons as soon as possible. If the child is minor, the obligation to notify the Insurer shall fall upon the Guardian In the event of death of the Insured, the Beneficiary shall submit to the Insurer the claim form as specified by the Insurer and the following documents as soon as possible: passport or any other personal identification document; Policy (if required by the Insurer); death certificate of the Insured (or, if requested by the Insurer, a copy of the death certificate certified by a notary public or a competent institution); other documents requested by the Insurer The Insurer shall have the right to request, at any time, additional information from the Beneficiary and third persons and to obtain any required additional proofs required to investigate the occurrence of the Insured Event and its circumstances If the Beneficiary intentionally does not provide notifications or any of the documents listed in Clause above, and/or the additional information and proofs referred to in Article above, the Insurer shall not be obliged to increase the Reserve by the Sum Insured The Insurer shall be obliged to take a decision on increasing or not the Reserve by the Sum Insured (in accordance with Article hereof) within 30 days of receiving all the documents requested by the Insurer If the Insured Person has died due to illness within 1 year of increasing the Monthly Risk Sum, the Insurer shall calculate the Sum Insured by which the Reserve is to be increased using the Monthly Risk Sum that had been in force one year prior to the death of the Insured. This provision shall not apply to automatic increases of the Insurance Premiums Following the death of the Insured, the Contract shall be continued on the basis of the authorisation given by the 3.lpp no 5

4 Policyholder in accordance with Article 3.6 hereof, without receiving Insurance Premium payments and the Monthly Risk Sum shall be equal to zero. The Insurance Indemnity shall be paid to the Beneficiary at Contract Maturity in accordance with Article 6.3 hereof If the documents requested by the Insurer following the death of the Insured are provided too late and therefore the Insurer is unable to increase the Reserve by the Sum insured before Contract Maturity, the Insurer shall pay the Sum Insured to the Beneficiary at Contract Maturity If the Insured has been declared dead by the court and the Insurer has received all the documents requested by the Insurer, the Insurer shall be obliged to increase the Reserve by the Sum Insured if the specified dates of the Insured going missing and the possible date of death of the Insured are in the period of validity of the Insurance Coverage and the cause of death of the Insured Person is not one of those listed in Clause hereof Contract Maturity The Insurer shall pay the Insurance Indemnity to the Beneficiary at Contract Maturity. Upon disbursement of the Insurance Indemnity at Contract Maturity, the Contract shall be terminated To receive the Insurance Indemnity at Contract Maturity, the Beneficiary shall submit to the Insurer the claim form as specified by the Insurer and the following documents: passport or any other personal identification document; Policy (if required by the Insurer); other documents requested by the Insurer The Insurance Indemnity payable at Contract Maturity shall be equal to one of the following amounts, whichever is larger at the moment of calculation: - the Reserve; - the Sum Guaranteed The Insurer shall calculate the Sum Guaranteed as follows: by summing up: the Insurance Premiums received under the Contract and the Sum insured by which the Insurer increases the Reserve in the event of death of the Insured Person, and deducting: the fees collected in accordance with the Price List and each partial disbursement of the Reserve that proportionally reduces the Sum Guaranteed Death of the Beneficiary or the Child If the Child dies prior to the occurrence of an Insured Event, the Reserve shall be disbursed to the Policyholder and the Contract shall be terminated If the Child dies in the period between the death of the Insured and the Contract Maturity date, heirs of the Child shall be entitled to receive the Reserve (including the Sum Insured if the reason for the death of the Insured is not one of those listed in Article 6.1.2) If the Child and the Insured die at the same time before the Contract Maturity date, heirs of the Insured shall be entitled to receive the Reserve (including the Sum Insured if the reason for the death of the Insured is not one of those listed in Article 6.1.2) If the Beneficiary dies after the Contract Maturity date and before the disbursement of the Insurance Indemnity, heirs of the Beneficiary shall be entitled to receive the Insurance Indemnity at Contract Maturity If the claim for the payment of the Insurance Indemnity at Contract Maturity is submitted in connection with the death of the Beneficiary or the Child, the person who has the right to receive the Insurance Indemnity at Contract Maturity shall provide the death certificate of the Beneficiary (Child) (or, if required by the Insurer, a copy of the death certificate certified by a notary public or other competent authority) and the inheritance certificate and the passport or any other personal identification document The person entitled to the Insurance Indemnity at Contract Maturity in accordance Article 6.4 hereof shall be obliged to perform the obligations of the Beneficiary under the contract if the beneficiary has not fulfilled all their obligations to the Insurer till the death of the Beneficiary Partial withdrawals of the Reserve The Policyholder may withdraw a part of the Reserve upon relevant application in standard form to the Insurer and taking into account the restrictions set out in the Price List In this case, the Insurer shall reduce the Reserve by the amount withdrawn by the Policyholder and deduct from withdrawn amount the relevant fee payable in accordance with the then-valid Price List When a part of the Reserve is disbursed, the Sum Guaranteed shall be reduced to the same proportion as the value of the Reserve decreases due to partial withdrawal thereof It shall not be possible to withdraw a part of the Reserve after the death of the Insured Early termination of the Contract The Contract may be terminated upon Policyholder s request, or mutual agreement between the Policyholder and the Insurer, or in accordance with the provisions of the To terminate the Contract early, the Policyholder shall submit to the Insurer a relevant application according to the specifications of the Insurer. In the event of early termination of the Contract, the Surrender Value shall be paid to the The Policyholder shall have the right to rescind from the Contract within 15 days of signing it (if the Contract has been concluded remotely, then within 30 days). In this case, the Insurer shall repay any received Insurance Premiums to the To terminate the Contract, the Policyholder shall submit to the Insurer a relevant application according to the specifications of the Insurer The Beneficiary shall have the right to terminate the Contract after the death of the Insured and prior to Contract Maturity. If the Beneficiary is minor, the Insurer shall be entitled to demand that the Beneficiary s Guardian submits a permission or decision valid in Latvia and issued by an orphans court or a relevant foreign custodianship or guardianship authority and to terminate the Contract only when the required documents are received. In this case, the Beneficiary shall receive the Surrender Value, which is equal to the Reserve less the early Contract termination fee specified in the Price List Other conditions relating to disbursements under the Contract The Insurance Indemnity at Contract Maturity, the Surrender Value or partial withdrawal of the Reserve are subject to taxation in accordance with the legislation of Latvia. The Insurer shall have the right to request additional information it needs for tax administration purposes from the person who is entitled to a disbursement under the Any disbursements under the Contract will be made by a bank transfer to the account specified in the relevant application by the person who is entitled to receive the disbursement If the disbursement under the Contract is transferred to outside Latvia, any fees connected with the transfer shall be borne and the transaction risk shall be assumed by the beneficiary The Insurer shall disburse the Insurance Indemnity at Contract Maturity, partial withdrawal of the Savings Value, the Surrender Value or any other amounts under the Contract within 30 days of the receipt of the documents requested by the Insurer. The Insurer shall have the right to extend the said period due to objective reasons This Contract shall be deemed terminated when the Insurer has fulfilled its obligations arising from the Contract, unless stipulated otherwise in the 4.lpp no 5

5 7. Other provisions 7.1. Amendments to the Contract The Contract may be amended upon relevant agreement between the Insurer and the Policyholder, unless stipulated otherwise in the If the Policyholder requests amendments to the Contract, the Insurer shall be entitled to collect a Contract fee for amending the Contract in accordance with the Price List then in force or to refuse to make the requested amendments If the Insurance Premium is changed during the Contract, the change in the Monthly Risk Sum shall enter into force as of the first date of the following calendar month The Insurer shall be entitled to amend these Terms and Conditions, the Price List or other Contract documents unilaterally if the same are required due to amendments to the legislation or upon request from a supervisory institution or in connection with changes in operations with the Assets. The Insurer shall have the right to make other unilateral amendments to the Contract where it is required to protect the interests of the The Insurer shall notify the Policyholder on any amendments in the result of which the Policyholder incurs additional costs or obligations compared to the previous version of the Contract at least 30 days prior to the entry into force of the amendments. The Policyholder shall have the right to early termination of the Contract if the Policyholder does not agree to the amendments to the Contract, upon written or equal to written notice to the Insurer thereon. If the Policyholder has not provided a Contract termination notice to the Insurer within 30 days of the sending the notification on amendments, it shall be considered that the Policyholder has agreed to the amendments In the event of early termination of the Contract due to any of the reasons referred to in Article above (unilateral amendments to the Contract), the Reserve shall be paid to the If amendments to the Contract are initiated by the Insurer, the Policyholder can provide their consent to the amendments by taking the actions specified in the relevant written or equal to written offer from the Insurer if such form of consent is specified in the Insurer s offer Notifications When signing the Contract, the Policyholder shall inform the Insurer on all and any circumstances the latter has requested information on During the Contract, the Policyholder shall be obliged to inform the Insurer on any changes in their personal data and contact information. If the Policyholder resides outside Latvia for an uninterrupted period of more than 3 months, the Policyholder shall notify their address in Latvia to which the Insurer can send its correspondence under the All and any applications and notifications to the Insurer in connection with this Contract shall be provided in a manner that makes it possible to identify the submitting person The Insurer shall send its notifications and applications to the Policyholder to their last known postal address.. If the Policyholder has changed their postal address and not notified the new address to the Insurer, any correspondence shall be deemed received within the period in which the correspondence item would be received if sent in accordance with the regular procedure to the last known address of the Policyholder (within 5 days) Unless stipulated otherwise in the Contract, the Insurer may send notifications to the Policyholder to their address, as a mobile phone text message or via the Internet banking facility or any other channel of electronic correspondence. Notifications sent in the said ways shall be deemed equal to sending correspondence to the postal address of the All and any orders, instructions, confirmations, requests, information and any other expression of will of other party made in a form that is equal to a written document shall have the same legal force as an expression of the Party s will in written form (signed paper document). For the purposes of this Contract, equal to documents in written form are electronic documents that are signed with a safe electronic signature or provided through the Internet Banking Facility using its authentication Personal Data The Insurer shall be liable for the processing of personal data The Insurer needs to process personal data for concluding the Contract and performing the obligations thereunder. The administrator of the personal data processing system and the personal data processor are specified in the Policy The Policyholder shall have the right to request, at any time, that their personal data be corrected, supplemented or changed as well as request information on and access to their personal data that are being processed Dispute Resolution The rights and obligations of the parties in relation to entry into and performance of the Contract shall be governed by legislation of the Republic of Latvia If any individual provision of the Contract is declared void or in conflict with any applicable legal rule in force, it shall not affect the validity of the entire Contract or remaining provisions thereof All and any disputes, disagreements and claims arising out of this Contract or performance thereof and in matters not contemplated in the Contract but being related to it or its amendments, violation, termination or validity shall be settled by means of negotiation between the Parties. If the Parties fail to reach an agreement, the dispute shall be referred to a court of law of the Republic of Latvia in accordance with the legislation in force in the Republic of Latvia. The language of dispute settlement proceedings shall be Latvian. 5.lpp no 5

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