Fixing of coupon rates effective from 1 January 2009

Effective from 1 January 2009, the coupon rates of the floating-rate bonds
below issued by Nykredit Realkredit A/S and Totalkredit A/S will be adjusted. 

The new coupon rate will apply from 1 January 2009 to 31 March 2009:

Capped bonds
DK0009765554 (67D), maturity in 2018, new rate as at 1 January 2010: 0.8560% pa.
DK0009771602 (21E), maturity in 2018, new rate as at 1 January 2010: 0.8060% pa.

Uncapped bonds
DK0009762536 (69D), maturity in 2012, new rate as at 1 January 2010: 4.2600% pa.
DK0009762619 (68D), maturity in 2012, new rate as at 1 January 2010: 0.7060% pa.
DK0009770638 (21E), maturity in 2013, new rate as at 1 January 2010: 0.7560% pa.
DK0009770711 (81E), maturity in 2013, new rate as at 1 January 2010: 4.2600% pa.
DK0009772097 (21E), maturity in 2013, new rate as at 1 January 2010: 1.6193% pa.
LU0469205974 (21E), maturity in 2013, new rate as at 1 January 2010: 1.2060% pa.

Questions may be directed to Henrik Hjortshøj-Nielsen, Executive Vice
President, Group Treasury, tel +45 44 55 10 40, Hans Henrik Andersen, Managing
Director, Totalkredit A/S, tel +45 44 55 54 02, or Nels Petersen, Head of
Corporate Communications, tel +45 44 55 14 70.