Thomas Stephan (Betriebsoekonom dipl. oek. / Betriebwirt (qualified business economist, business administrator) (VWA), studied at the OEKREAL SCHOOLS OF BUSINESS in Winterthur as well as at the Verwaltungs- und Wirtschafts-Akademie (Adminstrative and Economic Academy) Rhein-Neckar in Mannheim) 1987 Entry as expert for credit insurance with the Gerling group Speziale Kreditversicherungs-AG - GKS in Mannheim 1992 Appointed head of department for credit insurance 1993 Promotion to area manager for credit insurance for the regional centre in Mannheim 1999 Allgemeine Kredit Coface – Vice President of the Munich branch 2000 Head of the Munich branch 2004 Founded the Stephan Assekuranzmakler Vermittlung & Beratung e.K. for credit insurance, financing solutions and debtor services in Munich 2006 FidesSecur Versicherungs- und Wirtschaftsdienst Kreditversicherungsmakler in Munich – authorised signatory, Assistant Manager and Manager 2010 Managing shareholder of HANSEKONTOR Süd Maklergesellschaft mbH Specialist for credit insurance (national and international policies), financing solutions (particularly factoring) debtor services (particularly collection) as well as the area of fidelity insurance Telefon: ++ 49(0)89 / 231 177 95

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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