Hyperlinks to documents incorporated by reference

The most recent Articles of Association of the Issuer:

https://www.nibc.com/media/2064/articles-of-association-nibc-bank-en.pdf

Parts* of the publicly available Annual Report NIBC Bank N.V. 2019, published on 25 February 2020:

https://www.nibc.com/media/2478/2019-annual-report-nibc-bank-nv.pdf

Parts* of the publicly available Annual Report NIBC Holding N.V. 2019, published on 25 February 2020:

https://www.nibc.com/media/2483/annual-report-nibc-holding-nv-2019.pdf

Parts* of the publicly available Annual Report NIBC Bank N.V. 2020, published on 4 March 2021:

https://www.nibc.com/media/2887/annual-report-nibc-bank-nv-2020.pdf

Parts* of the publicly available Annual Report NIBC Holding N.V. 2020, published on 4 March 2021:

https://www.nibc.com/media/2886/annual-report-nibc-holding-nv-2020.pdf;

The terms and conditions (including the form of final terms) set out on pages 63-173 of the offering circular prepared by the Issuer in connection with the Programme dated 27 June 2019:

https://www.nibc.com/media/2256/emtn-prospectus-2019.pdf

The terms and conditions (including the form of final terms) set out on pages 65-1182 of the offering circular prepared by the Issuer in connection with the Programme dated 24 June 2020:

https://www.nibc.com/media/2256/emtn-prospectus-2019.pdf

*Please refer to the Offering Circular.

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