Profion – Professional Employee Benefit ConsultingFrom people to people

»We have to get used to the thought that companies depend much more ontheir best employees than these talented employees depend on the company«

(Peter F. Drucker; Austrian-born US economist, business thinker)

Talented staff is the scarcest and yet at the same time, most important resourcefor a company’s success today. Alongside an attractive base salary, innovative supplementary benefits, i.e., Employee Benefits, are becoming increasingly impor-tant in the competition for talented staff.

This is where we come in. Profion provides foreign companies with competentand comprehensive advice on how to design and fund suitable benefit plans forthe employees of their German subsidiaries.

Allow yourself to share our contagious enthusiasm! Our highly motivated teamcomprising economic scientists, legal and financial experts and investment specia-lists will tend to your company benefit scheme in detail. Leave the work to us!Experience, profound knowledge and, above all, passion for our business, are whatwe are known for. We consider ourselves service oriented with a focus on clientsatisfaction. Personal contact and individual service are important to us and ourstrong national and international partners help us to guarantee the quality of ourservices worldwide. People working for people – that is what we have been doingsuccessfully at Profion since 1998.

Juergen KroppManaging Partner, Profion GmbH

What We Stand For

Benefits can help you attract and

retain talent. Profion is your

Employee Benefits consultancy.

Our strengths: Competent

consulting and tailor-made

Employee Benefit concepts for

small and medium-sized compa-

nies with an international focus.

»Ask leaders what their biggest challenge is, and you get the same answer:finding, attracting and keeping talented people. Ask talented people what theirbiggest career challenge is and you will hear the same refrain: finding goodpeople to work with – and to work for.«

(Robert B. Reich; former US Secretary of Labor and political scientist)

Experts and executives, the so called high potential employees are proving to be a fleetingcommodity that is hard to find and even harder to retain. Reliance on a high level of quality,employee willingness to commit as well as high costs caused by unsuccessful staffing aresome of the challenges facing companies today. Surveys show that money alone does notplay a leading role in attracting and retaining key employees. Rather, corporate image, that is,market position, philosophy and culture are just as important when top candidates considerwhether a company is an attractive employer. Employee Benefits provide companies with theopportunity to present themselves as an attractive employer and help them to retain staff.Furthermore, in addition to image value, this also results in financial advantages for bothsides.

Profion analyzes, optimizes and implements Employee Benefit schemes. We design individual employer-funded benefit concepts for employees and executives by developing the plan design together with our clients and, subsequent to a benefit audit, drawing up an individual concept. Being familiar with the needs of small and medium-sized companies enables us to devise up-to-date and sustainable employee benefit plans.

It is important that employees comprehend their benefits and apart from traditionalmeans of information such as benefit statements, we also employ modern communicationtools and answer all requests individually.

Profion’s expertise is not limited to the area of Employee Benefits but also extends to HRServices. We mostly assist foreign multinationals without HR personnel in Germany.

Strong Concepts – Our Consulting Approach

EMPLOYEE BENEFIT

CONSULTING: Are you an

attractive employer for High

Potentials?

Our strength: Analysis, optimi-

zation and implementation of

Employee Benefit Schemes

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»If there is any one secret of success, it lies in the ability to get the other person's point of view«

(Henry Ford, American Industrialist)

Profion is the ideal and competent partner for multinational companies desirous ofimplementing benefit packages that correspond to a global benefit philosophy for theirGerman subsidiaries. For instance, we are particularly well versed in the needs and valuesof US corporations and are therefore in a position to transfer these consistently using thetools available in Germany. Putting ourselves in our international clients’ shoes increasesour appreciation of their respective corporate cultures.

Young people often tend to defer thinking about retirement provision, protectionagainst occupational disability and life insurance. We inform and educate your employeescomprehensibly on these complex topics. We can set up a hotline or integrate our communication concept into your company's intranet in order to facilitate communication. For enhanced transparency, we provide detailed benefit statements and utilize playfulapproaches such as online board games to enable employees to maintain an overview oftheir personal benefit situation.

We gladly provide direct and professional communication with the employees andtake care of the individual Employee Benefit needs of our international clients that do nothave an HR department in Germany.

In Germany it is possible to use an independent and non-profit making organizationknown as a reinsured support fund to administer pension plans. The support fund mustbe registered as a social benefit organization that does not make a profit in order to qualify for tax exemptions.

At Profion, we set up our own independent and fully reinsured support fund, the EPFEuro-BetriebsPensionsFonds e.V., which also provides foreign corporate forms such asLtd., Inc. or others with the possibility of membership and is utilized by 95% of our inter-national clients.

As trustee of our support fund, we take on all the administration of the contract. Ourservice is based on a fixed and, above all, fair fee schedule without any hidden costs.

Profion – Reliable Partner for Multinational Companies

Online-Benefits

»Always remember that this whole thing was started by a mouse.«(Walt Disney)

The benefit needs of start-ups and smaller subsidiaries of companies with less than50 employees operating internationally naturally differ from those of mid-sized or largermultinational corporations. However, in the competition for talented employees, it is alsothese smaller companies that must rival the big corporations which often attract talentedstaff with higher salaries and generous benefits. Furthermore, companies with a smallworkforce often fail to negotiate special general or group conditions with insurance providers or investment funds. As a result, their employees have to undergo unpleasantmedical examinations for the implementation of death and/or occupational disability benefits; this need not be the case.

We are aware of the requirements of start-ups and smaller subsidiaries and are wellplaced to offer them customized services. In particular and in response to these require-ments, we designed a unique and never before seen benefit plan that enables compa-nies with as few as 2 employees to offer their employees attractive benefits withouthaving to undergo medical examinations. This benefit plan is implemented and admini-stered by our own support fund, Profion's Euro-BetriebsPensionsFonds e.V., and all thebenefit packages we offer are fully externally funded. Profion takes on the communicationwith your employees, as well as the processing of benefits due.

In addition, we are highly competent in developing strategic Expat and TCN schemesand reviewing existing pooling arrangements for efficiency and correctness. Our exper-tise and knowledge also makes us reliable to carry out benchmarking. As a dedicatedcontact partner we are readily available for all queries relating to international EmployeeBenefits. Many multinational companies are not aware of the advantages their negotia-ting power against German insurance companies affords them. We show you how bestto play your cards and obtain excellent results for you and your employees.

Customized Service For Start-Up Subsidiaries of International Companies

It is not only the big names in

the market that should profit:

Profion also provides start-ups

and smaller subsidiaries with

access to attractive Employee

Benefit packages without medi-

cal examinations.

> Founded in 1998, located in Munich

> Independent and competent specialists with an integrated consulting approach in local and international Employee Benefits

> Designs company benefit schemes providing for retirement, death and occupational disability that are advantageous for both employers and employees

> Benchmarking

> Focused on small and medium-sized multinational companies with German subsidiaries

> HR Services – Business Process Outsourcing

> Fit for the global market and competitive through national and international partnerships, such as membership in the SUEDVERS GROUP since 2006

> Regular country reports, fact sheets and Employee Benefit news

Would you like to read more about our partners, clients or our service portfolio? Visit ourwebsite at www.profion.de or contact us:

Profion GmbHHeimeranstrasse 3780339 Munich, Germany

Phone: +49 (0) 89 - 38 83 72 - 60Fax: +49 (0) 89 - 38 83 72 - 88info@profion.de

Profion at a Glance: Essential Facts and Figures