Shareholders who are unable to attend the Annual General Meeting of OVB Holding AG on May 31, 2007 at the EXPO XXI, Gladbacher Wall 5, 50670 Cologne and who do not wish to authorize a third party to attend the Annual General Meeting on their behalf, may be represented by voting rights representatives designated by the company, who undertake to vote according to the instructions they are given by the shareholder.

As a shareholder of OVB Holding AG, you will require an admission card to the Extraordinary General Meeting to authorize these voting rights representatives. This card can be ordered from the deposit-holding bank. Please request your admission card as soon as possible to ensure that you receive it well in advance of the Annual General Meeting.

You may grant a proxy and issue instructions to the voting rights representative using the proxy and instructions form which you will receive with your admission card to the Annual General Meeting. If you wish to make use of this service, please arrange to grant a proxy and issue your instructions by returning this form, duly completed and signed, to

OVB Holding AG
Investor Relations
Heumarkt 1
50667 Köln
Germany

to arrive no later than May 30, 2007.