Torsten Niehues-Paas (Dipl. Kaufmann (qualified in business management) studied at Saarland University, Saarbrücken) 1988 Training as a banker at Commerzbank AG in Bremen 1996 Sales Manager for credit insurance for industrial customers at the Gerling Konzern Speziale Kreditversicherungs-AG in Hamburg 2004 Authorised signatory Atradius Kreditversicherung, Hamburg 2010 Managing shareholder and co-founder of HANSEKONTOR Nord West Maklergesellschaft mbH Specialist for credit insurance (national and international policies), Factoring in all variants (including purchase financing) as well as in the area of fidelity insurance. Telefon: ++ 49 (0)40 / 238 504 074

Andreas Töllner (Dipl.-Kaufmann (qualified in business management) studied at Hamburg University) 1993 Start of career as sales expert for credit insurance at the Gerling Group, Bremen 1998 Appointed sales manager for credit insurance for industrial customers at the Gerling Group 2001 Became an authorised signatory/received power of attorney 2004 Appointed vice sales manager for Northern and Eastern Germany at Atradius Kreditversicherung (formerly Gerling Kreditversicherung) 2010 Managing shareholder and co-founder of HANSEKONTOR Nord West Maklergesellschaft mbH Specialist for your claims management: credit insurance, rating and alternative financial solutions such as factoring, for example, as well as fidelity insurance and guarantee solutions. Telefon: ++ 49 (0) 421 / 685 270 70

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

Our Team