Rina Asmussen

Welcome to HUMAN UNIVERZ. We are here to change change! BUSINESS FOCUS & AMBITION HUMAN UNIVERZ is an international consulting company that offers a holistic and successful approach to transformation and change processes. HUMAN UNIVERZ was founded in 2010 by Sofie Halkjær and is headquartered in Copenhagen. We are a Prosci® Authorized Training Provider and offer a wide range of services that help our customers to create successful changes and realize the desired benefits. We are thought of as the Scandinavia Center of Prosci® ADKAR® Model excellence, and our customers see us as the preferred change management partner in Scandinavia. We are North European Premiere Partner with www.apprecitionatwork.com Our approach is based on best practice within change management and evidence-based results from behavioral economics and psychology. We offer specific and easy-to-use methods and tools that helps you and your organization to create and lead successful changes project. Combined with our many years of experiences as leaders, mentors and coaches we offer you a unique and holistic approach to change management moving you, your teams and your organizations from where you are to where you want to be. VALUES AND BELIEFS Care and Dare – We have the most conscious approach to change. We want to make a difference and see and challenge each individual in a loving, gentle but firm way. Challenger – We challenge our customers' mindset when implementing projects both from a project, skill and process perspective. We do change management because we are passionate about it and we always aim to do it in an excellent way. ADKAR® experts – We have substantial expertise in the Prosci® ADKAR® Model - both as Prosci® Certified Advanced Instructors and in practice, helping you taking your organization to the next level. Read more at www.humanuniverz.dk

BRFkredit is a mortgage credit institution that offers customers financial solutions and other services related to real property. BRFkredit offers mortgage loans against a mortgage on owner-occupied homes, commercial properties and subsidised housing. In the corporate lending segment, BRFkredit focuses on loans for office and business properties and for private rental and cooperative housing. Loans for residential purposes account for the majority af all lending. Funding BRFkredit finances the current lending by issuing covered bonds and mortgage bonds continuously, i.e. as tap issues. It is the borrower's choice of loan type that determines the type of bonds that BRFkredit issues as the Danish Mortgage Loans and Mortgage Bonds Act requires a very close link between the loans granted and the bonds issued. The bonds are bearer bonds issued in book-entry form registered at VP Securities Services (Værdipapircentralen, the Danish Securities Depository and Clearing Centre) or VP Lux VP in Luxembourg). The bonds are listed for trading on NASDAQ OMX Copenhagen (f.k.a. Copenhagen Stock Exchange).

Welcome to HUMAN UNIVERZ. We are here to change change! BUSINESS FOCUS & AMBITION HUMAN UNIVERZ is an international consulting company that offers a holistic and successful approach to transformation and change processes. HUMAN UNIVERZ was founded in 2010 by Sofie Halkjær and is headquartered in Copenhagen. We are a Prosci® Authorized Training Provider and offer a wide range of services that help our customers to create successful changes and realize the desired benefits. We are thought of as the Scandinavia Center of Prosci® ADKAR® Model excellence, and our customers see us as the preferred change management partner in Scandinavia. We are North European Premiere Partner with www.apprecitionatwork.com Our approach is based on best practice within change management and evidence-based results from behavioral economics and psychology. We offer specific and easy-to-use methods and tools that helps you and your organization to create and lead successful changes project. Combined with our many years of experiences as leaders, mentors and coaches we offer you a unique and holistic approach to change management moving you, your teams and your organizations from where you are to where you want to be. VALUES AND BELIEFS Care and Dare – We have the most conscious approach to change. We want to make a difference and see and challenge each individual in a loving, gentle but firm way. Challenger – We challenge our customers' mindset when implementing projects both from a project, skill and process perspective. We do change management because we are passionate about it and we always aim to do it in an excellent way. ADKAR® experts – We have substantial expertise in the Prosci® ADKAR® Model - both as Prosci® Certified Advanced Instructors and in practice, helping you taking your organization to the next level. Read more at www.humanuniverz.dk

BRFkredit is a mortgage credit institution that offers customers financial solutions and other services related to real property. BRFkredit offers mortgage loans against a mortgage on owner-occupied homes, commercial properties and subsidised housing. In the corporate lending segment, BRFkredit focuses on loans for office and business properties and for private rental and cooperative housing. Loans for residential purposes account for the majority af all lending. Funding BRFkredit finances the current lending by issuing covered bonds and mortgage bonds continuously, i.e. as tap issues. It is the borrower's choice of loan type that determines the type of bonds that BRFkredit issues as the Danish Mortgage Loans and Mortgage Bonds Act requires a very close link between the loans granted and the bonds issued. The bonds are bearer bonds issued in book-entry form registered at VP Securities Services (Værdipapircentralen, the Danish Securities Depository and Clearing Centre) or VP Lux VP in Luxembourg). The bonds are listed for trading on NASDAQ OMX Copenhagen (f.k.a. Copenhagen Stock Exchange).

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