Ralf-Patric Paps (Dipl. Kaufmann (qualified in business management), studied at the Georg-August University in Göttingen) 1987 Insurance salesman Gerling Group, Bremen 1995 Sales for company customers at the Gerling Group in Hamburg 1998 Gerling / Atradius Kreditversicherung as bank and broker supervisor in Northern Germany 2003 Managing shareholder of HANSEKONTOR Maklergesellschaft mbH Specialist for credit insurance and factoring solutions of all types, fidelity insurance and guarantee solutions Telefon: ++49 (0)40 / 238 504 04

Ralf Dirschauer (Dipl. Kaufmann (qualified in business management), studied at the Christian-Albrechts University at Kiel) 1990 Started as a trainee at Hermes Kreditversicherungs AG, Hamburg 1993 Appointed as general representative at Hermes Kreditversicherungs AG 1996 Started as managing shareholder in a medium sized credit insurance brokerage 1998 Founding and development of HANSEKONTOR Maklergesellschaft mbH for the areas of claims insurance and claims sales Specialist in the area of credit insurance (national and international policies,special solutions to supplement existing policies in the area of factoring as well). VSV solutions and guarantee concepts as a supplement, alternative to bank solutions Telefon: ++49 (0)40 / 238 504 01

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