As announced by Totalkredit/Nykredit on 6 March 2008, the banks behind Totalkredit are being offered a new and wider co-operation agreement, which expands the agreement from 2003, which was entered into when Nykredit acquired Totalkredit. However, the offer is subject to the condition that it must be accepted by a sufficient number of banks. Fionia Bank A/S has decided to support the new contractual basis. The changed contractual basis will affect the bank's profit and loss account and solvency ratio already in the present financial year.