References

For almost four decades, abcfinance has been developing alternative financing solutions for SMEs in the areas of leasing, factoring and debt collection. With innovative financing solutions from abcfinance, companies always remain technically up to date despite ever shorter economic and innovation cycles. abcfinance supports companies from a wide range of sectors, from industrial and craft businesses to trading and service companies. As a financial partner for SMEs, abcfinance aims to grow together with its customers, not only throughout Germany and the Netherlands, but also in Austria since 2014. As part of the Werhahn Group, the financial services provider thus combines tradition with innovation on the basis of a stable financial position and with the support of around 600 employees.

Deutsche Apotheker- und Ärztebank (apoBank) is the largest cooperative primary bank and the number one financial services provider in the healthcare sector. Its customers are members of the health care professions, their professional organizations and associations, health care institutions and companies in the health care market. apoBank operates according to the principle "By health care professionals for health care professionals", i.e. it specializes in serving the players in the health care market and is at the same time supported by them as owners. This gives apoBank a business model that is unique in Germany.

Bank11 für Privatkunden und Handel GmbH, a specialist in purchasing and Retail Finance, supports medium-sized vehicle dealers with competitive mobility and insurance offers. The focus of Bank11's offering is on promoting vehicle sales by offering attractive financial services. Bank11 offers private investors lucrative investment products, modern online banking and free online account management. Customers can choose between the Bank11 call money account and the Bank11 savings bond account.

Bechtle is one of the most successful IT service providers in Europe and has stood for IT expertise, partnership and a forward-looking approach for 39 years. The combination of direct sales of IT products with comprehensive system house services makes Bechtle a future-oriented IT partner for SMEs, corporations and public sector clients. Regionally on site, in Europe and worldwide through IT alliance partners on all continents.

BMW Bank GmbH is part of BMW Group Financial Services. Worldwide, BMW Group Financial Services comprises more than 50 companies and cooperations with local financial service providers and importers on all continents. BMW Group Financial Services is one of the leading financial service providers in the automotive sector.

CRONBANK AG is a young, modern bank - without any branches. Created as a specialist bank for medium-sized furniture and kitchen retailers, it differs from the traditional house bank in one very important respect: CRONBANK is a direct bank with lean, cost-effective structures.

The Deutsche Leasing Group is a solution-oriented asset finance partner for German SMEs. In this role, it offers a broad range of investment-related financing solutions (asset finance) and supplementary services (asset services). The company is the competence center of the German savings banks for leasing and other SME-oriented financing products and services, such as factoring in particular.

The FFS Group is a captive bank for Hyundai and Subaru as well as a brand-independent financial expert. The automotive banking specialist also manages the Emil Frey Group's subsidiaries. For over fifteen years, the FFS Group has concentrated on its core competence: the development of financial products relating to the automobile and the automobile trade. Today, the FFS Group supplies around 2,000 automobile dealers in Germany with tailor-made financial solutions and is one of the leading providers in the market with a total volume of around one billion euros.

Honda Bank GmbH is part of the Honda Group and has been operating as a financial services company in Germany since 1998. Its head office is in Frankfurt am Main. Since 2007, Honda Bank has been represented by a branch in Spain, which offers financing for cars and motorcycles.

IMMOFINANZ is a European commercial real estate group. It pursues responsible corporate management based on the principles of integrity, honesty and transparency. Mutual trust is the basis for constructive cooperation within the company and with business partners.

JobRad GmbH is the market leader in company bike leasing and has been getting people on bikes for more than ten years. As a mobility service provider, JobRad uses a digital portal solution to organize the leasing of company bikes between employers and employees in an uncomplicated and cost-neutral way: employees choose their desired bike from a specialist dealer or online - all manufacturers and brands are possible. The employer leases the company bike and gives it to the employee for professional and private use. If the employee purchases the bike or e-bike via salary conversion, they benefit from a tax incentive (0.25% rule) and save up to 40% compared to a conventional purchase. An employer-financed JobRad is even free of charge and tax-free for the employee. Over 50,000 employers with more than 5 million employees - for example Bosch, SAP and Deutsche Bahn - already rely on JobRad as a sustainable mobility concept that attracts talent, keeps employees fit and protects the environment.

Kineo enables companies to be part of the AI transformation by offering customized solutions that make the difference. Artificial intelligence can create added value in cost optimization, generate new revenue streams and avoid risks.

MAN Financial Services GmbH is represented by subsidiaries and cooperations in over 29 countries. When you choose a MAN truck or bus, you are choosing technological leadership in the commercial vehicle sector. Quality, pioneering technology and customer orientation form the basis of innovative transportation solutions for various industries and transportation tasks. MAN Financial Services consistently continues this benefit chain and extends it to financing solutions. This makes MAN Financial Services the ideal partner for financing a MAN Truck & Bus product.

The MHK Group is a modern service company and a successful community for medium-sized kitchen and furniture retailers. With over 2,100 retail partners representing a turnover of 3.9 billion euros, the MHK Group is one of the leading kitchen and furniture purchasing cooperatives in Europe. Our commitment is focused on Germany, Belgium, the Netherlands, Austria, Switzerland and Spain.

Mercedes-Benz Group AG is one of the most successful automotive companies in the world. As a pioneer in automotive engineering, Mercedes-Benz is motivated and committed to shaping the future of mobility safely and sustainably. The company focuses on innovative and green technologies as well as on safe and high-quality vehicles that fascinate and inspire.

Founded in 1979, a team of around 50 at the Bad Homburg v. d. H. location, 350 million euros in managed property volume, an excellent rating - and a clear specialization: Miller Leasing Miete GmbH finances IT. Many hundreds of companies as well as numerous system houses and manufacturers place their trust in the company. This is why Miller Leasing is now one of Germany's top 10 independent and owner-managed leasing companies.

MultiLease AG has been the financing company of the Emil Frey Group for more than 20 years and is therefore also the official leasing partner of the Group's import companies and their brand representatives. With 45 employees, MultiLease AG has established itself as one of the leading financing companies in the vehicle sector.

Opel Bank GmbH / Opel Leasing GmbH are part of Adam Opel AG. As leading financial services companies in the automotive industry, they are internationally integrated into the GM Financial Group. The companies have been offering financial services for dealers and end customers for over 85 years. The range includes financing and leasing, automobile insurance and dealer financing.

Ostsächsische Sparkasse Dresden can look back on 200 years of company history. It has been active in Retail Finance at the point of sale for several years. In order to significantly expand the business, it became necessary to develop a modern financing platform for manufacturers, dealers and their customers that also met the requirements of modern, efficient business processing.

Porsche Bank AG is part of Porsche Holding and, as an international financial services company for motor vehicles, offers a comprehensive range of services. Its services range from leasing and loans to insurance and maintenance for the Group brands VW, Audi, SEAT, ŠKODA and Porsche. Porsche Bank has been the clear market leader in Austria in the areas of vehicle leasing and insurance for 50 years. This is demonstrated by the approximately 159,000 financing contracts, 35,000 maintenance contracts and 144,000 insurance contracts currently in place throughout Austria.

PSA Bank Deutschland GmbH, based in Neu-Isenburg, is a GROUPE PSA company. Since 1973, it has been a reliable and efficient financial partner for the Group's German dealer network with the PEUGEOT BANK and CITROËN BANK brands. One of the core tasks of PSA Bank Germany is to secure and promote sales of the Group brands and to strengthen customer loyalty in the long term. It achieves this with a broad portfolio of financial, insurance and other services that pave the way to the customer's dream car and guarantee worry-free mobility as desired.

Raiffeisen Bank International AG (RBI) regards Austria, where it is a leading corporate and investment bank, and Central and Eastern Europe (CEE) as its home market. The Group also includes numerous other financial service providers, for example in the areas of leasing, asset management and M&A. RBI constantly reviews the quality of its range of services and works on new solutions.

Sixt Leasing SE has been one of the leading mobility service providers in Germany for around 50 years. It is also active in Austria, Switzerland, France and the Netherlands. Sixt Leasing SE's mission is to offer customers optimum mobility at the lowest possible cost. The online retail offer Sixt Neuwagen is aimed specifically at private and commercial customers. On this innovative and user-friendly platform, it offers a wide selection of vehicles of all current brands as well as highly attractive installment offers.

S-Kreditpartner GmbH is the credit specialist of the Sparkassen-Finanzgruppe for the car and consumer finance business. The company was founded on June 1, 2011 as a subsidiary of Landesbank Berlin and Deutsche Leasing. Its cooperation partners currently include more than 300 savings banks and over 1,000 dealers in the car and leisure vehicle sector. S-Kreditpartner provides the savings banks with an efficient product and support package for the sale of S-Privatkredit and S-Autokredit. It offers car and leisure vehicle dealers solutions for sales and wholesale finance.

IQAM Invest is a modern fund manufacturer with more than 30 years of market experience. With over 50 employees in Salzburg, Vienna and Frankfurt am Main, IQAM Invest offers professional investors first-class investment funds and individual, customized investment solutions. The company achieves its clients' objectives through the risk-controlled application of carefully selected return factors. These return factors and asset management models are not only scientifically sound and transparent, but have also proven themselves in practice.

TARGOBANK AG & Co. KGaA is the bank for private customers. It serves more than three and a half million customers in the Account & Cards, Loans & Financing, Savings & Investments, Assets and Protection & Pensions divisions. The focus is on comprehensible advice with clear conditions and simple products. In order to be close to its customers, TARGOBANK operates more than 360 branches in 200 cities in Germany and can be reached by telephone around the clock at its Service Center. The bank combines the efficiency advantages of a direct bank with expert advice and excellent service in its branches and at customers' homes.

Toyota Kreditbank GmbH is the parent company of the Toyota Kreditbank Group, which also includes Toyota Leasing GmbH, and is headquartered in Cologne. The Toyota Kreditbank Group offers financial services to support automobile sales via manufacturer-affiliated financing companies. Private and business customers as well as authorized dealers of the Toyota and Lexus brands can take advantage of the Toyota Kreditbank Group's wide range of financing products.

VOLKSBANK WIEN is the largest Volksbank in Austria. As a regional bank, customer proximity is a central component of our success. We are looking for customers who value partnership and good advice. A tradition dating back to 1871 in the district of Baden speaks for itself. Clear competitive advantages lie in regionality, stability and customer satisfaction, quality of advice and trust. We have also been committed to supporting art projects and young sporting talent for many years and live social responsibility.

As the central infrastructure provider in the region, Wiener Börse AG opens doors to the global financial markets. It operates the stock exchanges in Vienna and Prague. With state-of-the-art technology and customer-oriented services, Wiener Börse, as a private, profit-oriented company, makes a significant contribution to an internationally competitive capital market. Its aim is to achieve greater growth than comparable stock exchanges. Creating trust and transparency has been its fundamental mission since 1771.

Bausparkasse Wüstenrot AG is the pioneer of building society savings in Austria (1925) and has developed into a composite insurer since 2001 with the founding of the insurance company (1976). The two product companies were initially managed separately; the structural merger took place in 2009. Wüstenrot offers comprehensive solutions for secure savings, financing, private provision and the optimum protection of created assets. Everything from a single source.