As the first Danish mortgage bank, Nykredit offers customers the opportunity to lock in interest rates today by opening three euro-denominated bonds through VP Lux (VP Securities Services's subsidiary in Luxembourg). The offer addresses customers with euro-denominated ARMs due for interest rate adjustment in December. Nykredit recommends customers to enter into fixed-price agreements in order to lock in their euro loan repayments for the year ahead. This may be expedient in the current situation with significant turmoil in financial markets. The bonds are expected to become eligible as collateral for euro liquidity with the ECB. This will enhance the attraction of the bonds among a wide group of investors and make for more attractively priced loans for our customers. For details on the bonds, please refer to the announcement Amendments to Final terms for the prospectus for the offering of SDOs in Nykredit Realkredit A/S, Capital Centre E, series 12E (fixed-rate non-callable bonds, amortisation independent of payments on underlying loans). Inquiries may be addressed to Henrik Hjortshøj-Nielsen, Executive Vice President, Group Treasury, tel +45 44 55 10 40, or Nels Petersen, Head of Corporate Communications, tel +45 44 55 14 70/+45 20 22 22 72. Med venlig hilsen Nykredit Realkredit A/S