Landeskreditbank Baden-Württemberg - L-Bank

You should rely only on the information provided in this prospectus or any prospectus supplement. We have
not authorized anyone else to provide you with different or additional information. We are not making an offer of
the Debt Securities in any state where the offer is not permitted. You should not assume that the information in
this prospectus or any prospectus supplement is accurate as of any date other than the dates set forth on the
respective cover pages of such documents.
WHERE YOU CAN FIND MORE INFORMATION
L-Bank and the State of Baden-Württemberg together file Annual Reports on Form 18-K with the SEC. This
report includes financial, statistical and other information concerning L-Bank and the State of Baden-
Württemberg. You can inspect a copy of each annual report at the public reference facilities maintained by the
SEC in Washington D.C., New York, New York, and Chicago, Illinois. Please call the SEC at 1-800-SEC-0330
for further information on the pubic reference rooms. You can also obtain copies of the annual reports at
prescribed rates form the Public Reference Section of the SEC at 450 Fifth Street, N.W., Washington, D.C.
20549. All filings made after November 4, 2002 are also available online through the SEC’s EDGAR electronic
filing system. Access to EDGAR can be found on the SEC’s website, www.sec.gov.
The SEC allows us to “incorporate by reference” the information in documents we file with it, which means
that we can disclose important information to you by referring to those documents. The information incorporated
by reference is an important part of this prospectus, and information that we file later with the SEC will
automatically update and supersede this information. We incorporate by reference any future filings made with
the SEC until we sell all of the Debt Securities.
You should only rely on the information incorporated by reference or provided in this prospectus or any
prospectus supplement. We have not authorized anyone else to provide you with different or additional
information. We are not making an offer of the Debt Securities in any state where the offer is not permitted. You
should not assume that the information in this prospectus or any other prospectus is accurate as of any date other
than the dates set forth on the respective cover page of these documents.
FORWARD-LOOKING INFORMATION
This prospectus contains forward-looking statements. Statements that are not historical facts, including
statements about our and the State of Baden-Württemberg’s beliefs and expectations, are forward-looking
statements. These statements are based on current plans, estimates and projections and therefore you should not
place undue reliance on them. The words “believe,” “may,” “will,” “estimate,” “continue,” “anticipate,” “intend,”
“expect” and similar words are intended to identify forward-looking statements. Forward-looking statements
speak only as of the date they are made, and neither we nor Baden-Württemberg undertake any obligation to
update publicly any of them in light of new information or future events. Forward-looking statements involve
inherent risks and uncertainties. We caution you that actual results may differ materially from those contained in
any forward-looking statements.
TERMS USED IN THIS PROSPECTUS
In this prospectus, references to “Euro” or “EUR” are to the single European currency adopted by certain
participating Member States of the European Union, including the Federal Republic of Germany, as of January 1,
1999. References to “Deutsche Mark” or “DM” are to the former national currency unit of the Federal Republic
of Germany, which ceased to be legal tender in the Federal Republic of Germany as of January 1, 2002.
References to “U.S. dollars,” “U.S.$” or “$” are to United States dollars. See “Currency Conversion Rates” for
information regarding the rates of conversion of Euros into U.S. dollars for subsequent periods.
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