I This document constitutes the base prospectus of ... - Volksbank AG

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I This document constitutes the base prospectus of ... - Volksbank AG

accounts of the Issuer dated 31 December 2007

Balance sheet by compartment of the annual accounts

of the Issuer dated 31 December 2007

Profit and loss by compartment of the annual accounts

of the Issuer dated 31 December 2007

Notes to the accounts of the annual accounts of the

Issuer dated 31 December 2007

Debt Issuance Programme of VBAG dated 8 June

2009

Debt Issuance Programme of VBAG dated 8 June

2009

Annual accounts, page 5

Annual accounts, page 6

Annual accounts, pages 7 through 12

Description of VBAG on pages 41 through 72

The Austrian Banking System on pages 73 through

79

Copies of the Prospectus and the documents incorporated by reference in the Prospectus can be obtained

free of charge from the specified offices of the Issuer.

SUPPLEMENT TO THE PROSPECTUS

The Issuer has given an undertaking to the Subscriber, and is obliged by the provisions of the Prospective

Directive that if at any time during the duration of the Debt Issuance Programme there is a significant new

factor, mistake or material inaccuracy relating to information contained in the Prospectus which is capable

of affecting the assessment of any Securities the inclusion of which would reasonably be required by investors

and their professional advisers, and would reasonably be expected by them to be found in the Prospectus,

for the purpose of making an informed assessment of the assets and liabilities, financial position, profits

and losses and prospects of the Issuer, and the rights attaching to the Securities, the Issuer shall prepare

a supplement to the Prospectus in accordance with Article 16 of the Prospectus Directive or publish replacement

prospectus for use in connection with any subsequent offering of the Securities and shall supply

to the Subscriber such number of copies of such supplement hereto as such Subscriber may reasonably

request, and shall supply to the CSSF such number of copies of such supplement or replacement hereto as

Luxembourg Laws of the 10 th August 1915 and the 22 nd March 2004 and any other relevant laws and regulations,

require.

SOURCES OF INFORMATION

Statistical and other data provided in this Prospectus, as well as any information provided in respect of

VBAG, has been extracted from the annual reports of VBAG and/or the VBAG Group and the audit reports

thereon, a book titled Schwabe, Ley & Greiner GmbH - Die Bankverbindungen des Mittelstands in

Österreich 2005 and information published by the Österreichische Nationalbank (the Austrian national

bank OeNB). The Issuer confirms with respect to itself that such information has been accurately reproduced

and that, so far as it is aware, and is able to ascertain from information published by such sources, no

facts have been omitted which would render the reproduced information inaccurate or misleading.

V

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