To NASDAQ OMX Copenhagen 13 March 2009 Announcement no. 20/2009 Final terms for new bond (junior covered bond) BRFkredit will open a bond issue in pursuance of S. 33e of the Danish Mortgage Credit Loans and Mortgage Credit Bonds etc. Act (junior covered bond). Final terms for the bond are attached to this announcement. The prospectus for the bond is comprised of the attached final terms and the previously dis-closed prospectus for bonds issued in pursuance of S. 33e of the Danish Mortgage Credit Loans and Mortgage Credit Bonds etc. Act (junior covered bonds) and previously disclosed addenda. BRFkredit's prospectus is available on BRFkredit's home page www.brf.dk. Yours sincerely BRFkredit a/s Ulrikke Ekelund Chief Economist Direct phone (+45) 45 26 22 57 E-mail uek@brf.dk Please observe that the Danish version of this announcement prevails