IKB Deutsche Industriebank Aktiengesellschaft IKB FINANCE B.V.

Each of IKB AG (as regards matters concerning itself and IKB FINANCE and the Notes issued or to be
issued by it and IKB FINANCE) and IKB FINANCE (as regards matters concerning itself and the Notes
issued or to be issued by it), having made all reasonable enquiries, confirms that, to the best of its
knowledge and belief, the information contained in this Information Memorandum is in accordance with
the facts and does not omit anything likely to affect the import of such information. Each Issuer accepts
responsibility accordingly.
Each of IKB AG and IKB FINANCE have confirmed to the Dealers that (i) the Information Memorandum is
accurate in all material respects and not misleading and that there are no other facts the omission of
which would make any statement, whether of fact or opinion, in the Information Memorandum misleading
in any material respect and (ii) that all reasonable enquiries have been made to ascertain all facts and to
verify the accuracy of all statements contained therein.
No person is authorised to give any information or to make any representation regarding the Issuers or
the Notes which is not contained in or not consistent with this Information Memorandum or any other
information supplied in connection with the Programme and, if given or made, such information or
representation must not be relied upon as having been authorised by or on behalf of either Issuer or any
of the Dealers.
This Information Memorandum should be read and construed with any amendment or supplement
thereto and with any other documents which are deemed to be incorporated herein by reference (as
defined below) and, in relation to any Tranche (as defined below), together with the relevant Pricing
Supplement(s) (as defined below).
This Information Memorandum is valid for one year following its date of issue and it and any amendment
or supplement thereto as well as any Pricing Supplement reflect the status as of their respective dates of
issue. The offering, sale or delivery of any Notes may not be taken as an implication that the information
contained in such documents is accurate and complete subsequent to their respective dates of issue or
that there has been no adverse change in the financial condition of the Issuers since such date or that any
other information supplied in connection with the Programme is correct at any time subsequent to the
date on which it is supplied or, if different, the date indicated in the document containing the same.
IKB AG and IKB FINANCE have undertaken with the Dealers to amend or supplement the Information
Memorandum or publish a new Information Memorandum if and when the information therein should
become materially inaccurate or incomplete.
To the extent permitted by the laws of any relevant jurisdiction, neither the Arranger nor any Dealer
accepts any responsibility for the accuracy and completeness of the information contained in this Information
Memorandum or any amendment or supplement thereof, or any other document incorporated
herein by reference nor for the information contained in any Pricing Supplement.
Neither this Information Memorandum nor any Pricing Supplement constitutes an offer or invitation by or
on behalf of either Issuer or the Dealers to any person to subscribe for or to purchase any Notes.
This document may only be communicated or caused to be communicated in circumstances in which section
21(1) of the Financial Services and Markets Act 2000 (“FSMA”) does not apply.
The distribution of this Information Memorandum and any Pricing Supplement and the offering, sale and
delivery of the Notes in certain jurisdictions may be restricted by law. Persons into whose possession this
Information Memorandum or any Pricing Supplement comes are required by the Issuers and the Dealers
to inform themselves about and observe any such restrictions. In particular, the Notes have not been and
will not be registered under the United States Securities Act of 1933, as amended (the “Securities Act”)
and are subject to United States tax law requirements. Subject to certain exceptions, the Notes may not
be offered, sold or delivered within the United States or to United States persons. See “Subscription and
Sale”.
Neither the Information Memorandum nor any Pricing Supplement may be used for the purpose of an
offer or solicitation by anyone in any jurisdiction in which such offer or solicitation is not authorised
or to any person to whom it is unlawful to make such an offer or solicitation.
In this Information Memorandum, references to “l”, “euro”, “Euro” or “EUR” are to the single currency
which was introduced as of January 1, 1999 at the start of the third stage of European Economic and
Monetary Union by which date the euro became the legal currency in eleven member states of the European
Union. References to “U.S.$”, “USD”, “U.S. dollars” or “United States dollars” are to the currency of
the United States of America, references to “C$”, “CAD” or “Canadian dollars” are to the currency of
Canada, references to “£”, “British pounds sterling” or “Sterling” are to the currency of the United Kingdom,
references to “CHF” or “Swiss Francs” are to the currency of Switzerland, and references to “¥”,
“JPY”, “Japanese Yen” or “Yen” are to the currency of Japan.
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