YOUR BANKING PARTNERIN NORTHEASTERN EUROPE

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Dear customers and partners,

Bank DnB NORD has established itself as a leading bank in the Bal-tics and Poland. Our focus on establishing long term relationships and offering simple, reliable solu-tions to our corporate and retail customers has proven more impor-tant then ever in the current eco-nomic environment, not least in the challenging Baltic markets.

Of course, none of this would be possible without the support of our owners, Norwegian DnB NOR and German NORD/LB.

Our staff of over 3000 dedicated employees across 165 branches is ready to work with you.

Thomas BuerkleGroup CEO of Bank DnB NORD

DnB NOR + NORD/LB = DnB NORD

Norway’s largest financial service group North Germany’s largest bank

Joint venture for Northeastern Europe

51% 49%

Estonia

Latvia

Lithuania

Poland

Headquarters Copenhagen

Assets EUR 11.1 bln.Customers 908.000

DnB NORD GROUP

As of 30.09.2009*As of 01.10.2009

Branches Employees

DnB NORD 165 3.166Head offi ce - 63*

Estonia 2 49Latvia 35 855Lithuania 86 1.272Poland 42 927

THIS IS DnB NOR

DnB NOR is Norway’s largest fi nancial services group with total assets of more than EUR 219 billion and a workforce of approximately 14,000 people.

DnB NOR in Norway…Norway’s most extensive distribution

network for fi nancial servicesmore than 2.3 million retail customers

and over 200,000 corporate customers Norway’s largest life and pension

insurance company with some 1 million customers

Norway’s largest asset management operation with more than 630,000 mutual fund customers in Norway and 294 institutional clients in Norway and Sweden

DnB NOR internationally…international network of 12 branches and representative offi ces in 18 countriesNorway’s largest foreign exchange bank, one of the world’s foremost shipping banks

DnB NOR is rated AA- (long term) by Standard & Poor’s

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With total assets over EUR 240 billion, NORD/LB is the leading universal bank in North Germany.

NORD/LB in Germany…

THIS IS NORD/LB

the leading bank in North GermanyState bank (Landesbank) for the

federal states of Lower Saxony and Sazony Anhalt, and the federal state of Bremen (through subsidiary Bremer Landesbank)

close ties to 69 savings banks (Sparkassen in the 3 states)

North Germany’s top bank for national and international bond issues

NORD/LB internationally…branches and subsidiaries in the world’s major financial and trading centresnetwork of more than 1,500 correspondent banks globally

NORD/LB is rated A (long term) by Standard & Poor’s

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THIS IS DnB NORD

The DnB NORD Group has operations in Estonia, Latvia, Lithuania and Poland. The bank’s headquarters are located in Copenhagen. The banking group provides a broad range of financial products and services to both the retail and corporate markets, building its brand and positive im-age as a full-service bank.

The bank benefits from having two strong parent companies, DnB NOR of Norway, and NORD/LB of Germany, capable of securing its funding requirements.

With these roots in Norway and Germany, Bank DnB NORD also offers a natural gateway to the Baltics, and Poland, to companies from Denmark, Germany Nor-way and Sweden.

ESTONIA

DnB NORD in Estonia offers both retail and corporate banking. The bank has gained market position and increased recognition in Estonia over the past three years. The bank holds the 5th largest market share in the country in terms of lending volumes.

leasing solutions to both private and commercial clients

fast credit processes and a highly personal business approach

a variety of financing, payment and deposit services for corporate customers, especially targeted towards manufacturing and export-oriented corporate clients

cross border clients gain access to full range of products and services across DnB NORD countries

retail products include housing loans, and saving and payment products

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Capital: Tallinn, pop. 472.000Population: 1.3mCurrency: Kroon (EEK)

EUR 1 = EEk 15.65GDP per capita 2008: 11.800 EURGDP growth 2008: -3.6 %

LATVIA

DnB NORD Banka is one of the leading retail and corporate banks in Latvia, serv-ing large, medium, and small companies (SME), as well as private individuals. The bank operates an extensive branch and outlet network across the country, as well as SME service centers across Latvia, and a private banking centre in Riga. The bank has been ranked among the most valuable companies in Latvia.

simple and efficient financial solutionshigh-quality, service-oriented and

customer-friendly approachranked Latvia’s best bank by

Euromoney in 2008

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•Capital: Riga, pop. 874.000Population: 2.3mCurrency: Lat (LVL)

EUR 1 = LVL 0.70GDP per capita 2008: 10.200 EUR

GDP growth 2008: -4.6 %

DnB NORD Bankas in Lithuania is a universal bank providing financial serv-ices to retail and corporate customers across the country. The bank, ranked number 3 in the country in terms of as-sets and loan portfolio, runs an extensive network of branches and outlets, and offers services including asset manage-ment, investment banking, leasing and real estate.

user-friendly electronic banking solutions

packages tailored to SME customers and start-ups

one of largest lenders to municipalities and manufacturing industry

debt securities market leaderstrong agricultural banking unittop creditworthiness rating equivalent

to sovereign rating of Lithuaniaranked Lithuania’s best bank by

Euromoney in 2007 and 2008

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LITHUANIA

Capital: Vilnius, pop. 554.000Population: 3.4mCurrency: Litas (LTL)

EUR 1 = LTL 3.45GDP per capita 2008: 9.600 EURGDP growth 2008: 3.0 %

POLAND

DnB NORD Polska is a retail and corporate bank in Poland, offering a wide-range of products focused to-wards large corporate clients, SME companies, retail customers, and niche segments such as tenant management organisations, local government units, and non-governmental organisations.

an extensive network of branches, corporate banking centres, banking agencies

specific focus on servicing corporate, SME, and retail customers

strong cross-border focus, especially for German clients expanding to Poland, and vice versa

market leader in the area of tenant management organisation financing

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Capital: Warsaw, pop. 1,6mPopulation: 38.5mCurrency: Zloty (PLN)

EUR 1 = PLN 4.35 (floating)GDP per capita 2008: 9.500 EURGDP growth 2008: 4.8 %

Head officeBank DnB NORDDampfærgevej 28DK- 2100 Copenhagen

Telephone + 45 76 700 200Fax +45 76 700 205info@dnbnord.comwww.dnbnord.com

Printed on: Dalum - CyclusPrint(100% recycled fibres)

EstoniaDnB NORD PankTartu mnt 10EE-10145 Tallinn

Telephone + 372 68 68 500Fax +372 68 68 501info@dnbnord.eewww.dnbnord.ee

LatviaAS DnB NORD BankaSmilshu 6LV-1803 Riga 50

Telephone +371 6717 1880Fax +371 732 3449info@dnbnord.lvwww.dnbnord.lv

LithuaniaAB DnB NORD BankasJ.Basanaviciaus str. 26 LT-03601 Vilnius

Telephone + 370 5 239 34 44Fax +370 5 213 90 57info@dnbnord.lt www.dnbnord.lt

PolandBank DnB NORD Polska S.A.ul. Postępu 15C 02-676 Warszawa

Telephone +48 22 524 10 00 Fax +48 22 524 10 01www.dnbnord.pl