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Legal Notices State treaty and statutes State treaty and statutes of the Norddeutschen Landesbank – Girozentrale - Here you will find the current state treaty relating to NORD/LB and the constitution as passed by the guarantors' meeting. Downloads: State treaty concerning the Norddeutschen Landesbank – Girozentrale - Here you will find the state treaty between the State of Lower Saxony, the State of Saxony-Anhalt and the State of Mecklenburg-Western Pomerania concerning Norddeutschen Landesbank – Girozentrale - . The state treaty came into force on 21 December 2019. Statutes of the Norddeutschen Landesbank – Girozentrale - Here you will find the Statutes of the Norddeutschen Landesbank – Girozentrale - . These Statutes has come into force by 20 June 2025. Contact General NORD/LB Customer Service Hotline Phone: Call General NORD/LB Customer Service Hotline +49 (0) 511 3610 send an e-mail...

Legal Notices Transparency guidelines Transparency in the securities business Since 1 November 2007 various new guidelines have been in force, including in respect of customers' information and business in securities, derivatives and money market instruments. On this page we provide you with our customer information for private and professional customers. If you have any further questions, please contact your relevant customer adviser. Download: Customer Information for Dealing in securities and other Financial Instruments The document offers information on dealing in securities for private as well as professional customers to implement the Markets in Financial Instruments Directive....

Cash Management Cash Management What do we need to do to make our treasury processes even more effective? How can we further optimise the management of our payment flows? These are just two questions that affect you in your treasury operations every day. What we offer: Comprehensive advice and solutions Further development, structuring of your payment flows Efficient, digital products Payments und Electronic Banking Instant Payments Cross-border- and Cross-currency-Payments (International) Cash-Pooling Virtual Accounts Experience and expertise of one of the largest regional banks Your added value: New ideas and concepts for your cash management Integral solutions for your business procedures and processes Linking cash management and financing issues Together with you, we develop individual solutions suitable to help you manage your challenges. Contact us and let us surprise you with our questions and ideas. By cash management, we mean optimising the management and design of all your external and internal payment flows, taking into account your financing structure. We discuss all the components of your treasury solutions with you and link them to the challenges and needs of your business model. Together, we develop solution models that are based on contemporary, digitalised and at the same time market standards. In doing so, we pay attention to meaningful links such as price hedging for the purchase of raw materials, combined with an import letter of credit. Payment processing in foreign currency, setting the exchange rate for your sales calculation or automated processing of your bank and account information. The treasury environment is highly dynamic thanks to international standardisation and digitalisation, as well as a rapidly growing FinTech offering. These innovations and advancements offer you the opportunity to optimise your existing processes or rethink them entirely. We keep you informed about progress, trends and innovations in the areas relevant to your company and support you in the further development of your cash management. From automated account statement processing through to the establishment of an in-house bank. How can the advantages of instant payment be integrated into your business model? Do standardisation of formats offer you recurring cost advantages and does a cash pool across banks, countries and currencies represent real added value? We would like to discuss these and other issues with you in order to manage your cash together with you. Our expertise: NORD/LB is part of the German savings banks financial group, Sparkassen Finanzgruppe, and is the central clearing house for all savings banks in Lower Saxony, Schleswig-Holstein, Mecklenburg-Western Pomerania and Saxony-Anhalt. In this role, it provides payment transactions and cash management services for corporate customers as well as for the affiliated savings banks. Within the savings banks financial group and through the use of a data centre, services for both private customers and around two million companies that have a business relationship with a savings bank or landesbank are networked. These synergy effects make the alliance efficient and powerful. Your contact Dirk Zynda Structured Solutions & Products | Head, Cash Management & Trade Finance Phone: Call Dirk Zynda +49 (0) 511 361-3556 Mobile: Call Dirk Zynda +49 (0) 1578 5166 139 Hannover send an e-mail Team...

Public Funding Public Funding NORD/LB is a modern and future-oriented financing partner for medium-sized companies and a principal bank for northern German municipalities. Both customer groups rely on long-term and secure financing to advance their business success or public services. Future viability, innovation and sustainability in particular are driving factors for long-term investments. For this purpose, NORB/LB has a large number of needs-based financing solutions in place. Our expertise in optimising funding structures has been drawing on the programme loan landscape and individual funding options of regional, industry-specific and supra-regional funding institutions for many years. The possibilities of public funding are manifold. Regardless of whether it is about the establishment or expansion of a company, whether it is SMEs, classic medium-sized companies, large companies or municipalities, no matter in which industry – we develop optimised funding solutions for our customers, inculding topics such as growth, digitalisation and innovation. Working together with selected long-standing cooperation partners, we also support our customers in generating grants and other subsidies. We offer you, among other things: Many years of structuring and financing expertise in the integration of public funds – including in the context of various instruments of the financing portfolio of SMEs Classification and assessment of the funding eligibility of investment projects and development of needs-based financing until disbursement of the project Long-term cooperation with KfW and various (supra)regional and industry-oriented funding institutions This results in the following advantages for our customers: High reliability in the assessment of funding eligibility for the respective investment projects Comprehensive support for customer projects so that they are eligible for funding, including an integrated view of the financing structure Optimisation of interest charges for eligible investment projects High level of financing security (long maturities can also generally be represented) Ability to combine different subsidies and a variety of financing products (e.g. structured loans, leasing) Lean documentation (usually standard contracts) Your Contacts Nils Jacholke Head, Corporate Financial Advisory Phone: Call Nils Jacholke +49 (0) 511 361-5067 Hannover send an e-mail Team Stefanie Anders Corporate Financial Advisory, ESG Advisory, Public refinancing Phone: Call Stefanie Anders +49 (0) 511 361-5112 Hannover send an e-mail Team Annalena Gräfling Corporate Financial Advisory, ESG Advisory, Public refinancing Phone: Call Annalena Gräfling +49 (0) 511 361-4066 Hannover send an e-mail Team Julia Jany Corporate Financial Advisory, ESG Advisory, Public refinancing Phone: Call Julia Jany +49 (0) 511 361-4507 Hannover send an e-mail Team René Karlovits Corporate Financial Advisory, ESG Advisory, Public refinancing Phone: Call René Karlovits +49 (0) 511 361-4202 Hannover send an e-mail Team Janne Richelsen Corporate Financial Advisory, ESG Advisory, Public refinancing Mobile: Call Janne Richelsen +49 (0) 162 7601 178 Hannover send an e-mail Team Anja Schaks Corporate Financial Advisory, ESG Advisory, Public refinancing Phone: Call Anja Schaks +49 (0) 511 361-6947 Hannover send an e-mail Team...

Corporate Customers Bank for the german medium-sized business sector We are a modern SME bank. With an experienced team, a first-class product portfolio, a strong knowledge network and a clear philosophy: we work together with our customers to achieve the best possible realisation of their entrepreneurial goals. In the northern region, we rely on close cooperation with the savings banks in the network area. Our customers benefit from our many years of recognised expertise. As a regional partner, we are at your disposal with our sector teams and as experts in specialised financing. With our extensive product expertise, including as a service provider for payment transactions, cash management and trade finance as well as in the bilateral and syndicated lending business, we are at our customers' side. Accessible throughout Germany, rooted in the region North region There for you in northern and eastern Germany! Read more Middle region There for you in the regions of North Rhine-Westphalia, Hesse, Rhineland-Palatinate and Saarland! Read more South region There for you in the regions of Bavaria and Baden-Württemberg! Read more Expertise in sectors and special financing Agricultural Banking As one of the most important banks in agricultural finance, we look back on 180 years of experience. We create new perspectives for a future worth living in. Read more Private Equity We structure and arrange holistic financing solutions for the acquisition of middle-market companies in the German-speaking world. Read more Energy Industries With the Energy sectoral cluster, we focus our activities on this fast-growing, drastically changing core segment of the German economy. Read more Food Industries You benefit from our specific industry know-how and our many years of experience in the nutritional economy. Read more Leasing and Factoring We provide you with a high level of specialist expertise within the framework of a partnership characterised by security and reliability. Read more Our approach Your advisor – seizing the opportunities together: As a consultant, it is our motivation to understand your business and your market intensively. Together with you, we want to identify the relevant opportunities, develop and implement the tailor-made concepts for this. Your partner – reliable and goal-oriented: Being your partner means that we never lose sight of your business goals. In times of rapid market changes, we ensure continuity: We are firmly committed to our responsibility as a reliable banking partner. Your bank – competent financial partner: We have an excellent regional network and an international presence as a competent financial partner of the real economy and allow our performance to be measured. Contact Please find your contacts in the details....

Savings Bank Network Savings Bank Network ​We are a modern SME bank. With an experienced team, a first-class product portfolio, a strong knowledge network and a clear philosophy: we work together with our customers to achieve the best possible realisation of their entrepreneurial goals. In the northern region, we rely on close cooperation with the savings banks in the network area. Our customers benefit from our many years of recognised expertise. As a regional partner, we are at your disposal with our sector teams and as experts in specialised financing. With our extensive product expertise, including as a service provider for payment transactions, cash management and trade finance as well as in the bilateral and syndicated lending business, we are at our customers' side. At eye level It is our particular concern to be available to the savings banks as a central point of contact for all general customer relationship issues, e.g. contract management / framework agreements, etc. We would like to take up your comprehensive needs and coordinate the entire business activities of each associated savings bank. Our expertise at a glance Corporate Customers Modern SME bank: high level of expertise, strong products, close partnership with savings banks and holistic financing solutions for regional companies. Read more Municipal customers We support municipalities with tailor-made financing, consulting, promotion loans and solutions for administration, real estate and liquidity. Read more Development business Central KfW promotional loans for North-German savings banks; experts in EU, federal regional funding, with advisory services and close liaison with promotion agencies. Read more Execution of wills For NORD/LB, BLSK and savings bank customers: Professional administration of the last will and testament, including estate administration and continuing trusteeship. Read more Syndications & Investment Solutions Marketing of NORD/LB loans, structuring and syndication of transactions worldwide and access offers to energy and infrastructure debt funds. Read more Financial Markets NORD/LB's capital markets business: access to global financial centres, trading and issuance, interest rate/currency management and tailor-made solutions. Read more Asset management The cooperation with NORD/LB combines regional savings bank customers with international capital market expertise and excellent asset management. Read more Contact Okan Bakanay Savings Bank Network and Corporate Customers | Head | South Lower Saxony Mobile: Call Okan Bakanay +49 (0) 162 2110 277 Hannover send an e-mail Team Thomas Bender Savings Bank Network | Spectrum Phone: Call Thomas Bender +49 (0) 511 361-2481 Hannover send an e-mail...

Corporate Customers Private Equity NORD/LB – financing partner for your transaction We structure and arrange holistic financing solutions for the purchase of medium-sized companies in German-speaking countries. In doing so, we focus on transactions with a volume between 10 million euros and 100 million euros. With an experienced deal team, we accompany your project before, during and after the transaction. From the outset, you will therefore work with the same partner, who will develop good solutions with you in a target-oriented and decisive manner and who will be available to you. Cash flow-based financing of company acquisitions in the form of MBO - Management Buy Out MBI - Management Buy In LBO - Leveraged Buy Out Spin-offs OwnersBuyOut are our focus. When it comes to structuring, we are guided by our lending principles, which guarantee the stability of the financing by defining certain requirements for the creditworthiness of the company as well as standard conditions and covenants. Your benefits at a glance: Structuring of optimal financing solutions from a single source Simultaneous processing of operative banking business at target level One contact team throughout the financing period Proven track record Your benefits at a glance: High level of transaction security Fast and goal-oriented solutions Reliable and assessable partner Access to a strong network of financial investors and lenders Our Portfolio Deal team: Your deal team consists of experienced specialists in supporting business transactions. As a reliable partner, the team is always available to you: Before, during and after the transaction. Structuring: With individually structured concepts, we ensure that our financial solutions are optimally suited to your company transaction. Arranging: NORD/LB has been involved in more than 300 deals cumulatively since the establishment of the 2004 business sector with multiple mandates as lead arranger in the small and mid cap business. Contact Colmar Dick Corporate Customers | Head, Private Equity Phone: Call Colmar Dick +49 (0) 511 361-6790 Hannover send an e-mail Team Dr. Steffen Althaus Structured Solutions & Products | Structured Corporate Finance, Leveraged Finance Phone: Call Steffen Althaus +49 (0) 511 361-2904 Hannover send an e-mail Team...

Syndications & Investment Solutions Syndications & Investment Solutions Syndications & Investment Solutions is marketing and selling assets to bank and non-bank investors across NORD/LB’s energy, infrastructure, corporate and real estate segments. Creating the opportunity for our Credit and Institutional Clients to leverage our asset and structuring expertise. Core regions include Europe, Asia Pacific, and the Americas. NORD/LB enables co-investments via different investment formats and vehicles, inter alia a Debt Fund platform with numerous renewable energy and infrastructure sub-funds. Long-term expertise and global set-up Extensive market expertise, strong client relationships and a broad international network form the foundation of our business. Together with our clients, we originate and structure financing solutions for complex transactions, including deals related to sustainability and transformation initiatives. As a central point of contact for the syndication and placement of loan products, our internationally connected team supports the Renewable Energy, Infrastructure, Corporate Clients and Real Estate business areas throughout the transaction lifecycle – from structuring and advisory services to deal enabling and the coordination of club deals. Links to several departments Corporate Customers Read more Energy- und Infrastructure Read more Commercial real estate business (Deutsche Hypo) Read more Sustainability Read more Further information on the subject of syndication and overview of the German Syndication Desk: Syndication We are a competent partner in arranging, structuring and syndicating financial transactions. Read more Contact Hanno Martell Syndications & Investment Solutions | Global Head Phone: Call Hanno Martell +49 (0) 511 361-5094 Hannover send an e-mail Abraham Asoli Syndications & Distribution | Global Head Phone: Call Abraham Asoli +1 212-812-6853 New York send an e-mail Matthieu Le-Bret Investment Solutions | Global Head Phone: Call Matthieu Le-Bret +44 7485 327735 London send an e-mail Duncan Gibson Syndications & Distribution | Head | EMEA Mobile: Call Duncan Gibson +44 7485 327736 London send an e-mail Juliette Barré Credit Risk Insurance | Global Head Mobile: Call Juliette Barré +44 7485 327731 London send an e-mail Christoph Pott Syndications & Distribution | Head of Loan Syndication Corporates, Real Estate & Sparkassen Mobile: Call Christoph Pott +49 (0) 176 1529 0418 Hannover send an e-mail Team...

Corporate Customers Middle region We know our way around the middle of the country. The centre of Germany is one of the strongest economic regions in the country. Here we have been firmly rooted in the region for many years and support our clients in realising their entrepreneurial goals. From liquidity management to investment and capital market financing: We offer you tailor-made financing solutions for your long-term entrepreneurial success. As your financial expert in the federal states of North Rhine-Westphalia Hesse Rhineland-Palatinate Saarland we plan together with you in a forward-looking manner to ensure your success in the future. Our services for you Cash Management Let's talk about it. We would be happy to develop the right solution for you. Read more Currency and liquidity management Hedge currency fluctuations - preserve capital - increase performance Read more Interest-rate management Limit interest charge - increase flexibility Read more Public Funding We develop optimised refinancing solutions for our clients for all topics! Read more Schuldschein loans / Registered bonds Optimise your financing costs with a digital Schuldschein loans or registered bonds! Read more Syndicated Loans Take advantage of our experience with syndicated loans and benefit from various advantages! Read more Trade Finance In international trade relations, letters of credit are used to secure payment flows! Read more Working Capital Management Together with you, we develop modern supply chain finance solutions! Read more Further Information Corporate Sales Read more Contact Arne Aßmann Corporate Customers | Head | North Rhine-Westphalia, Hesse, Rhineland-Palatinate and Saarland Phone: Call Arne Aßmann +49 (0) 211 3854-9616 Düsseldorf send an e-mail Team...

Savings Bank Network Municipal customers Municipal customers Municipalities face major challenges. As a successful commercial bank in northern Germany, NORD/LB offers municipal customers individual solutions with a clear focus on implementation. We have adapted our consulting and product range to the specific needs of municipalities. In addition to a comprehensive range of municipal financing options, we also develop concepts for a modern administrative organisation, support the public sector in efficiently managing its real estate and provide assistance in the introduction of professional debt management/cash management. In the area of development loans, we likewise combine our strengths for you and provide answers to financing questions in the areas of expansion, innovation, environmental investments and restructuring, as well as in the case of short-term liquidity requirements. Of course, we also examine the possible uses of subsidies from the federal and state governments. Convince yourself and gain a first impression of our consulting and financing services. Our contact partners are also available by phone. Contact Manuel Boto Municipal Customers Phone: Call Manuel Boto +49 (0) 511 361-5116 Hannover send an e-mail Team Marco Eisenschmidt Municipal Customers Mobile: Call Marco Eisenschmidt +49 (0) 162 2518 615 Oldenburg send an e-mail Team Niels Küpker Municipal Customers Phone: Call Niels Küpker +49 (0) 441 237-1484 Oldenburg send an e-mail Team Anett Schubert Municipal Customers Phone: Call Anett Schubert +49 (0) 511 361-5492 Hannover send an e-mail Team...

Corporate Customers South region Closely connected with the South. Small and medium-sized enterprises form the foundation of the economy in the south of Germany. As an entrepreneur, you must constantly identify new opportunities in order to remain competitive. With us, you can seize and realise these opportunities. Together with you, we develop customised financing solutions for the long-term success of your business. As your financial expert in the federal states of Bavaria Baden-Württemberg we plan with foresight to ensure your success in the future. Our services for you Cash Management Let's talk about it. We would be happy to develop the right solution for you. Read more Interest-rate management Limit interest charge - increase flexibility Read more Public Funding We develop optimised refinancing solutions for our clients for all topics! Read more Schuldschein loans / Registered bonds Optimise your financing costs with a digital Schuldschein loans or registered bonds! Read more Syndicated Loans Take advantage of our experience with syndicated loans and benefit from various advantages! Read more Trade Finance In international trade relations, letters of credit are used to secure payment flows! Read more Working Capital Management Together with you, we develop modern supply chain finance solutions! Read more Further Information Corporate Sales Read more Contact Mile Savic Corporate Customers | Head | Bavaria and Baden-Wuerttemberg Phone: Call Mile Savic +49 (0) 89 23032-4120 Mobile: Call Mile Savic +49 (0) 160 9728 4355 München send an e-mail Team...

Savings Bank Network Corporate Customers Corporate Customer Together with the savings banks, our goal is to be the first address for SMEs. Our core competence is lending business in close coordination with the savings banks in both syndication and direct business. In addition to development business and municipal financing, we also offer money and capital market products as well as other product and consulting services for network customers. We work together to develop the best solutions for our customers and see challenges such as competition and digitalisation as an opportunity that we want to seize together with you! Contact Okan Bakanay Savings Bank Network and Corporate Customers | Head | South Lower Saxony Mobile: Call Okan Bakanay +49 (0) 162 2110 277 Hannover send an e-mail Team Sabine Möller Savings Bank Network and Corporate Customers | Head | Bremen and West Lower Saxony Mobile: Call Sabine Möller +49 (0) 160 3649 317 Oldenburg send an e-mail Team Veronika Weißkichel Savings Bank Network and Corporate Customers | Head | Hamburg, North Lower Saxony and Schleswig-Holstein Phone: Call Veronika Weißkichel +49 (0) 40 3765-5167 Hamburg send an e-mail Team Berit Zimmermann Savings Bank Network and Corporate Customers | Head | North-East Region Phone: Call Berit Zimmermann +49 (0) 391 589-1505 Magdeburg send an e-mail Team...

Structured Finance Structured Finance Who we are NORD/LB has been financing renewable energy and infrastructure projects, dating back to the mid-1990s, with: Over 1,100 renewable energy projects (equivalent to 45GW) financed, predominantly in wind and solar energy with growing number of transactions in the battery energy storage space; Over 200 infrastructure projects financed in the past decade across the globe; A global platform of over 180 project finance experts focusing on renewable energy and infrastructure financing, with offices in Hanover, Oldenburg, London and New York; and An award winning team, which consistently topping league tables in renewable energy and infrastructure across our global platform. What we aim to do We provide our clients with innovative financing solutions with our extensive sector expertise. Energy Finance NORD/LB has been financing renewable energy projects, dating back to the mid-1990s. Read more Infrastructure Finance For over 20 years NORD/LB has been financiers of infrastructure projects in the asset classes of social infrastructure, transportation and digital infrastructure. Read more Calendar Find us in the following events: 10. - 12. November 2026: 34. Windenergietage (Spreewindtage), Linstow 19. and 20. November 2026: 14. Windenergietage NRW, Bad Driburg 9. and 10. March 2027: Konferenz Finanzierung und Direktvermarktung in Berlin 16. March 2027: Branchentag EE Mitteldeutschland 15. April 2027: Branchentag Windenergie Schleswig-Holstein in Husum 3. June 2027: 3. Ostfriesischer Windenergietag in Aurich 14. till 17. September 2027: HusumWIND in Husum Find out more about NORD/LB now – on LinkedIn! Our LinkedIn channel offers regular insights into projects, developments and topics from the financial world as well as updates on our commitment, sustainability and corporate activities. A compact overview for all those who appreciate the latest impulses and background information from NORD/LB. Go to LinkedIn You can find your contacts on the detail pages....

Commercial Real Estate Deutsche Hypo - NORD/LB Real Estate Finance: Competency centre for commercial real estate finance in NORD/LB Group Deutsche Hypo - NORD/LB Real Estate Finance is the center of competence for commercial real estate finance of NORD/LB and is one of the major German real estate financiers. On July 1, 2021, NORD/LB fully integrated its previously legally independent real estate finance subsidiary, Deutsche Hypothekenbank (Actien-Gesellschaft). The "Deutsche Hypo" brand, which is well established in the market, will be continued after the integration. National and international presence Deutsche Hypo - NORD/LB Real Estate Finance is based at six domestic and three foreign locations. In addition to its activities in the core market Germany, it conducts its business in the European target countries Great Britain, France, Benelux, Spain, Austria and Poland. Its national and international presence, its broad and balanced target market and product portfolio together with profound market expertise and conservative risk management creates a strong and sustainable business model. Individual financing concepts In line with its business policies, Deutsche Hypo - NORD/LB Real Estate Finance has specialized in commercial real estate finance with professional customers. The customised financing concepts and the individual, qualified consulting of their customers are its characteristic strengths . You can find further information on the homepage of Deutsche Hypo - NORD/LB Real Estate Finance: www.deutsche-hypo.de Deutsche Hypo - NORD/LB Real Estate Finance Read more Deutsche Hypo NORD/LB Real Estate Finance Norddeutsche Landesbank - Girozentrale - Friedrichswall 10 30159 Hannover Phone +49 511 361 - 0 Service@Deutsche-Hypo.de www.deutsche-hypo.com Contact Frank Schrader Real Estate Finance | Head Phone: Call Frank Schrader +49 (0) 511 361-5160 Hannover send an e-mail Ingo Martin Real Estate Finance Origination | Head Phone: Call Ingo Martin +49 (0) 511 361-2217 Hannover send an e-mail Dieter Koch Real Estate Financial Solutions | Head Phone: Call Dieter Koch +49 (0) 511 361-4918 Hannover send an e-mail Jens Assmann Real Estate Finance Transaction Management | Head Phone: Call Jens Assmann +49 (0) 511 361-9394 Hannover send an e-mail...

Our Commitment Our commitment NORD/LB has been supporting art, culture, science and social projects for many years. In this way, we are involved as donors, sponsors and benefactors, as well as through the voluntary commitment of our employees. Science We advance science. As part of our scientific support, we emphasise on promoting solutions at the interface between science and practice. This particularly concerns the promotion of young scientists. In order to achieve this, in addition to awarding scholarships, we focus in particular on the targeted promotion of individual scientific work in different disciplines and fields. Social commitment Social commitment is important to us. Assuming overall social responsibility requires the preservation and communication of values. This is what we are committed to. Even in Germany, a country with one of the most developed economies in the world, social challenges are on the rise. Against this background, NORD/LB has reiterated its social commitment and is trying to counteract this trend. Art and culture Versatile commitment. Engaging beyond banking has always been part of our self-image. That is why we have been supporting art projects for years, thereby providing valuable impetus for a strong region. With the establishment of the NORD/LB Cultural Foundation in 2012, we have transferred our cultural commitment to the NORD/LB Cultural Foundation. The foundation website can be found at: www.nordlb-kulturstiftung.de (only in German) Sponsoring and promotion of BLSK Braunschweigische Landessparkasse (BLSK) is intensively involved in culture, sport and science, especially in the Brunswick region. The foundation website can be found at: www.braunschwigische-sparkassenstiftung.de (only in German) Contact Anke Blome Phone: Call Anke Blome +49 (0) 511 361-5273 Mobile: Call Anke Blome +49 (0) 1578 5164 934 Hannover send an e-mail...