Pensionskassen AG. ÖPAG Pensionskassen AG phone: +43 (01) Wien

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1 ÖPAG Pensionskassen AG ÖPAG Pensionskassen AG phone: +43 (01) Ernst-Melchior-Gasse Wien

2 Overview Who we are Service Package Reasons to choose ÖPAG

3 Structure Raiffeisen Zentralbank Österreich AG UNIQA Versicherungen AG Raiffeisen Landesbanken 4 other Austrian banks and insurances Vorsorge Holding AG 100 % 100 % 100 % 100 % BAV Pensionskassen AG

4 key data of ÖPAG (2008) assets under management:.. 2,907 m EUR pension contracts:.. 5,079 beneficiaries (entitled):.. 105,084 recipients:.10,734

5 Reference customers (excerpt) Airport Vienna Nextira One Austria GmbH AstraZeneca Österreich GmbH ORF Österreichischer Baumax AG Rundfunk Brau Union Österreich AG TIWAG Tiroler Wasserkraft AG Casinos Austria AG T-Systems Austria Ges.m.b.H. Central Bank of Austria various foreign embassies in (Oesterreichische Nationalbank) Austria GE Medical Systems Mayors and other Public Kretztechnik GmbH & Co OHG Employees of various Town Iglo Austria GmbH Councils Johnson Diversy Austria Organs of the Federal Republic Trading GmbH of Austria & Provinces Mars Austria OG

6 Overview Who we are Service Package Reasons to choose ÖPAG

7 Service at the beginning consulting service workshop for the human resources department FAQs guidelines workshop for the IT department and/or the human resources department automated data-advice-system assistance for creation of the intranet-concept

8 Ongoing services annual statement t t in line with the Pension Fund Act (PKG) including calculations of benefits accrued and a forecast of the achievable benefit level tax authorities confirmation for paid employee s contributions handling of applications according to 108a EStG (Austrian Income Tax Act) confirmation of governmental premium according to 108a EStG

9 Ongoing services access to our customer portal ( Pensionsinfoportal ) information on the performances of the investment & risk sharing group information on our asset management assessment e reports information about the development of capital markets form for enquiries concerning the annual statement and the assessment update-service (to get the latest news via ) homepage with various downloads

10 Overview Who we are Service Package Reasons to choose ÖPAG

11 Reasons to choose ÖPAG. the first pension fund managing company to become operational embedded d into a banking and insurance network to use their specific know how if necessary one of the leading players in the Austrian pensions fund market

12 Reasons to choose ÖPAG. independent d business policy exclusively l dedicated di d to clients needs administration i ti software tailored to clients needs on-site client support experienced in pension disbursement

13 ÖPAG: Performance as a Competitive Edge (performance ) 47,42 % figures of multi-employer investment & risk sharing groups (so-called offene VRGen ) 38,70 % 38,40 % 30,99 % 28,49 % 33,83 % average of other multi- 24,57 % employer Pensionskassen our competitors (multi-employer Pensionskassen) Please note: 98 to 2008 figures based on an independent consulter s research & publication of performance deviations from the average. Average was calculated from the difference of the average of ÖPAG s performance figures of our three mult-employer investment & risk sharing groups published by OeKB and the published figure for ÖPAG concerning the deviation from the average 1. Marktvergleich /01

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