A summary of Aceess Financial

1. Edition 2015/01
Access Financial
Your Reliable Partner

2. THE CHANGING FACE OF THE BUSINESS ENVIRONMENT
The business environment has changed significantly over the past few years and it is s ll changing. As the working popula on
ages, companies are faced with a lack of talent to drive their expansion into emerging markets, which have exploded in recent
years.
Thus, firms are faced with the need to move people and source talent from all over the world, which has led to the need to
develop mobilisa on strategies to enable an increase in assignee numbers and the ease with which interna onal assignments
canbecarriedout.
Accessing the best talent con nues to be a major hurdle for companies all over the world, which is a major issue as it is
considered one of the most cri cal factors to driving business growth. With the way the business environment is evolving, the
companies that succeed or fail will be, in large part, determined by their ability to a ract, retain and deploy the best talent on a
globalscale.
From as li le as five years ago, a significant increase in business travel and interna onal assignments has been seen. And
though there are more virtual tools to support global connec on, the fact is that more o en than not, deployment of key talent
on the ground is essen al to the development of the business. This means that we will see an ever increasing need for long-
termassignmentsbutalsoofquick,short-termassignments.
This need has created a slew of challenges for businesses, recruitment agencies but also the workforce. Despite the fact that
there is a clear trend among the younger workforce that is now more than willing to relocate to a different country, there are a
wide range of challenges businesses and contractors have to deal with when it comes to such a reloca on, most of which are
related to ease of deployment due to the work country's specific taxa on, contractual and social security regula ons. When it
comestotalentdeploymentonaglobalscale,complianceisthenameofthegame,andthisiswherewecomein.
With ten offices located strategically in nine countries, thirty opera ng companies across the world and coverage of over 60
countries, Access Financial helps contractors, recruitment agencies and organisa ons meet and overcome the challenges of
interna onalmobilityintoday'sglobalbusinessenvironment.

3. WHO WE ARE
Access Financial is a global leader in the interna onal mobility and contract management industry with more than ten years'
experience helping contractors, recruitment agencies and corporate clients make more money by facilita ng the transfer of
newandexis ngtalenttowhereitisneededmost.
Weassistcontractorsinobtainingtheirdesiredposi onsbyhelpingthemachievefullcompliancebydealingwithanylegisla ve
impediments to their working in the work country. We also make sure our contractors maximise their earnings via any and all
legalmeans.Recruitmentagenciesworkwithustoplacecandidatesindifferentcountriesbecausetheyknowtheycanrelyonus
to ensure full compliance with immigra on, taxa on, social security, employment and labour-leasing regula ons, thereby
minimisingtheirriskexposureandthatoftheirendclients.
Our corporate clients rely on us to facilitate the transfer of the talent they need from one country to another. We handle all
aspects of such a movement of personnel, including taxa on, social insurance and contracts. This takes the pressure off the
organisa ons we work with, both large and small, so they don't have to worry about non-compliance and the related fines and
penal es. We are commi ed to our clients and to providing them with the best possible solu ons for their needs. To this end,
we are constantly evolving and improving through the development of new products and by inves ng in infrastructure
enhancementsandtraining.
This is why we are able to develop such high quality payroll and immigra on solu ons and why our level of service is
unmatched.Combinedwithourhighlyskilledstaff,ourstablebusinessmodel,thecomprehensiveinsurancesweholdaswellas
the fact that we are constantly employing the latest technology, we have set ourselves apart, becoming the partner our clients
can have faith in and rely on, despite opera ng in an industry where many organiza ons, both large and small, have come and
gone.
10 Years’
Opera on
1,900
Recrui ng
Partners
3,800
End Clients
10
Group
Offices
10,000
Contractors
60
Country
Solu ons
1,200
Current
Contractors
100
Staff
KEYFACTS

4. 2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
Head office in Nyon, Switzerland opens.
India office opens.
New sales and customer management
office in Cyprus.
Expansion into the Middle East
Set up of opera ons in Africa: Ghana,
Kenya, Tanzania, South Africa.
Opened UK Access Tax & Accoun ng Ltd
services for Personal Services Companies.
Opened offices in Belgium,
France and Luxembourg.
New sales office in London
New Fribourg office dedicated exclusively to
Swiss market.
Company expands into Asia with new office in Shanghai &
opera ons in Singapore, Hong Kong, Indonesia and Malaysia.
APSCo membership. Agency and corporate portal to
monitor compliance is launched. Contractor management
and monitoring portal, Fortuna, is launched.
Launch of US solu on and Canada solu on.
Launch of Swiss outsourcing opera on.
OUR HISTORY

5. OUR COMPANY

6. WHAT WE DO
At Access Financial, our first goal is to understand our clients and their needs. This ensures that we can provide solu ons that
meetyourrequirementsanddeliverthebestpossibleresults,bothathomeandintheworkcountry.
Thus, we make sure that contractors have the legal right to work in the work country and are in full compliance with the legal
frameworkpertainingtoimmigra on,taxa on,socialsecurity,labour-leasingandemployment.
Someoftheservicesweprovideinclude:
 Interna onaltaxandsocialsecuritymanagement
 Interna onalcontrac ngandpayrollservices
 Umbrellaandlimitedcompanysolu ons
 Interna onalinsurancecoverage
 Reloca onandlocalregistra onservices
Payroll
Compliance
Tax
Management
Social Security
Management
Immigra on
Pensions
Consultancy
Research
Admin
Services
Business
Services
Training
ACCESS
FINANCIAL

7. ACCESS FINANCIAL AND CONTRACTORS
One of the main challenges for a contractor is becoming legally compliant in a work country so they can work for the end client.
This is where Access Financial comes in because we engage you on a contractual basis and ensure your legal structure meets
local requirements, allowing you to work for the end client without the need to work about tax, social security or immigra on
requirements.
Not only do we help you work in the country of your choice, but we also assist in maximising your income. Taxa on trea es and
regula ons can be complicated, which is why so many expats end up taking home less pay than they should. We have the
knowledge and exper se to get the most out of local tax and social security regula ons as well as interna onal trea es. Along
withthesupportofqualifiedaccountantsineachofthecountriesweoperatein,weareabletomakesurethatyouwillbetaking
homethehighestlegi matepaypossibleinthecountryyouwillbeworkingin.
We take things one step further, though, by guaranteeing on- me payments and ensuring you have all the support you could
possibly need at all mes. Thus, we have a dedicated portal for our contractors, allowing them to check at all mes what is
happening. As a contractor, all you need to do is send in your approved mesheets, and we'll handle everything else. Via the
contractorportal,youwillbeabletofindoutalltheinforma onyouneedataglance.Usingtheportal,youcan:
 Enterandchangepersonalandbankinginforma on
 Enter mesheetsandexpensesaswellasreviewpreviousones
 Uploadanydocumentsandinforma onpertainingtopayrollandcompliance
 Viewinvoicessentouttoyouragencyorendclient
 Viewanddownloadallpayments,statementsandpayslips
WorkVisasandPermits
Access Financial can help you ensure you are legally able to work in the work country. Thus, we can provide you with advice on
thebestop onsforyoutoworkinthecountryofchoice,supportyourvisaapplica on,obtainsponsorshipforyourworkpermit
applica on from one of our local companies or partners, and help you with the prepara on and submission of relevant
documents.

8. Though we will do everything we can to make sure your applica ons are in order and meet all requirements of the local
authori estogiveyouthebestpossiblechanceofapproval,wecannotguaranteeaposi veoutcomeasitisnotuptous.
HowItWorks?
We provide contractors with a number of op ons to achieve compliance in the work-country, namely employment, self-
employmentorviaalimitedcompany. AnAccessFinancialsalesconsultantwilldiscussyourpar cularcircumstancesanddraw
upthebestsolu onforyourspecificrequirements. Hereiswhatyoucanexpectineachcase:
Employment
We eliminate the problems related to employment in a different country for contractors by employing you directly, thereby
allowingyou to workfor your end client. Wearefullycompliant from a legalstandpoint in every country of opera on to engage
insuchthree-wayagreements. ThismeansthatyouwillbelegallyworkingforAccessFinancialandyourlabourwillbeleasedto
theendclient.
The advantage is that we can then directly handle everything related to obtaining work and residence permits for you, which
canbeextremelycomplicated,especiallyforthosewithli letonoexperienceintheworkcountry. Usually,theindividualhasto
handle these aspects and it can take years. However, our experience and the extensive network of qualified professionals we
workwithinthesecountriesallowustoobtainallthedocumenta onyouneedtoworkintheworkcountrymuchfaster.
Subsequently,wewillpayyouamonthlysalary andmakesureyoureceivetherelatedpayslipdetailingallthecontribu onsthat
are necessary. Taxes, social security, pension and any other contribu ons will be withheld from your pay and we will make sure
paymentismadeon metotherelevantauthori es.
We also offer addi onal and op onal services such as health insurance and various other policies to make sure you are in full
compliancewithallemploymentrequirements.Youcanalwaysbecertainthatwewilllookoutforyourinterestsandthatmeans
that we only legi mately take advantage of Double Taxa on Agreements and Social Security Conven ons. Likewise, we only
resort to approved pension schemes. We will never resort to any dubious tac cs and pride ourselves on full transparency and
compliance.
ACCESS FINANCIAL AND CONTRACTORS

9. Self-Employment
You will sign a consultancy agreement with us, which will enable you to work for the end-client as a self-employed person. We
willhelpyouregisterlocallyandde-registerwhenyourassignmentiscomplete.
Furthermore,wewillhelpyouwithallfiscal,administra veand VAT issues,whichmeansyouwillbeassignedalocalaccountant
intheworkcountrytomakesurethateverythingisinfullcompliance.
AccessFinancialwillpayyou,withtheprovisionofastatementdetailingallfeesanddeduc ons. Wewillalsomakesureyouare
takingadvantageofalllegalclaimsanddeduc onstomakesureyouarekeepingasmuchofyourpayaspossible.
LimitedCompany
In the case of a limited company, the process is usually for us to draw up an agreement with your company so that you can work
for the end client. A local accountant will be assigned to make sure your company is taking advantage of all legal claims and
deduc ons. Yourcompanywillreceivepaymentalongwithstatementsshowingdeduc onsandfees.
However, with limited companies, things can be somewhat more complicated, especially since many countries don't allow for
theuseofaforeignlimitedcompany.
Regardlessofthesolu onyouoptfor,youcanalwaysbecertainthatAccessFinancialwillbelookingoutforyourbestinterests.
ACCESS FINANCIAL AND CONTRACTORS

10. ACCESS FINANCIAL AND CORPORATE END-CLIENTS
Nowadays, it is easier than ever for organisa ons, large and small, to expand beyond the borders of their home country. The
internet has made the world a much smaller place, allowing teams from all over the world to work together easily and quickly.
However, virtual tools are rarely enough and having employees on the ground is essen al, leading to an increased need among
companiestorelocatetheiremployees.
Many organisa ons spend millions every year on interna onal mobility, yet they are unaware of the risks they are taking. Not
un l they receive the requisite penal es and fines. The key to a successful interna onal mobility program is to understand the
challenges and to know how to overcome them, which is where Access Financial comes in. We manage all contractual, taxa on
and social insurance problems for small and large organisa ons, making sure that your organisa on can focus on the important
aspects, namely sourcing and retaining the talent you need to grow and develop. We pride ourselves on enabling maximum
reten onratesofupto90%. WithAccessFinancialasyourpartner,yourorganisa onwillneveragainhavetoworryabout:
 Ge ngtherighttalentwhereyouneedit
 Compliance,regardlessofhowmanyinterna onalassigneesyourcompanyhas
 Handling payroll,taxa onorsocialinsuranceissues
 Mee ngtheneedsofyourbusinesswhenreloca nganemployee
Access Financial will remove the worry of ge ng the talent where you need it, allowing you to focus on the needs of your
business and ensuring you really have chosen the right talent. Moving employees around the world becomes much easier
when you have Access Financial in your corner, meaning you can focus on maximising efficiency and the benefits of
interna onalmobility.
Our experience and exper se allows us to develop a solid network of more than 50 interna onal established corporate end-
clients who turn to use whenever they need to assign personnel abroad. We understand the various local challenges in more
than 60 countries, and we simply make things easy for our clients. And since we also help each contractor retain as much take-
homepayaslegallypossible,weprovideourclientswithyetanotherlurefortoptalent.
ThankstoFortuna,ourhigh-endportal,asacorporateclient,youwillbeabletomonitorallyourcontractorsinreal meinterms
ofpayrollandcompliancestatus.

11. ACCESS FINANCIAL AND RECRUITMENT AGENCIES
Over 1,900 recruitment agencies from all over the world entrust us with their interna onal mobility and contract management
needs. Our experience enables us to provide complete administra ve support, contrac ng and legal solu ons as well as
elimina ngrisksrelatedtocompliance.
Weassistrecruitmentagenciesinplacingandretainingtalentanywhereintheworldbytakingcareofallcontrac ngformali es
and legali es for contractors. This helps recruitment agencies increase profitability by offering access to a global pool of talent
that can be placed anywhere in the world. Furthermore, the full compliance we offer means fewer risks for you as the
recruitment agency but for your end-client too, which is essen al in today's global business environment where organisa ons
canhavehundredsofinterna onalassignees.
Ifyourrecruitmentagencygainsareputa onofbeingabletosourcetalentfromanywhereintheworldwithli letonohasslein
termsoflegalandcontractualformali es,youwillsoonhavemoreclientsthanyoucanhandle.AndthatispreciselyhowAccess
Financial can help. We take care of the formali es and legali es, helping you concentrate on fi ng the right talent to the right
job.
And thanks to our ERP and real- me portal, you can see the compliance status of any of your contractors in real me. You will
be able to see the compliance document and add further compliance requirements if necessary. Our customer support team is
highlyexperiencedandwillhelpyoualongthewaywithwhateveryoumayneed.

12. WHY CHOOSE ACCESS FINANCIAL?
EstablishedCompanywithaHistoryofReliability
We have more than ten years of experience in the interna onal mobility and contract management industry. We know the
challenges contractors, recruitment agencies and corpora ons face in reloca ng and working in another country and we have
spentthepastdecadehelpingourcustomersovercomethesechallenges.
Access Financial has constantly evolved and adapted to an environment that is constantly changing and it is this very
adaptability that makes us the perfect partner. We are constantly inves ng in training for our staff, in expanding our
infrastructure and in advancing our technology and this is precisely why we have become the leading European interna onal
contractmanagementcompany.
GlobalCoverage
Access Financial has ten group offices in nine countries, thirty opera ng companies across the globe and we have tax, social
security, employment and immigra on experience and exper se in more than 60 countries. Our support network consists of
local partners and specialists in all the countries we operate in, which means that we will always be able to provide you with the
bestadviceonthelawsthataffectcontrac ngintheworkcountrybutalsoinyourhomecountry.
Value
Not only do we offer the best value for money services, but we are fully transparent. You will never have to deal with hidden
costs. Addi onally, the services we provide will maximise your earnings over the long run, whether you are a contractor, a
recruitmentagencyoranorganisa on.
Cu ng-EdgeTechnology
Our in-house designed system based on the latest technology provides all our partners with access in real me and around the
clock to contractors' informa on securely and easily. Furthermore, all personal, financial and contract informa on is stored on
our own servers in Switzerland and all data is securely backed up and can only be accessed by Access Financial's staff. We have
an IT team that consists of five highly qualified and experienced specialists those con nual tests the system for disaster
recoverysotheserviceisavailableatall mes,regardlessofanyemergency.

13. WHY CHOOSE ACCESS FINANCIAL?
SecurityofYourFunds
Our clients' funds are always secure because we use the Swiss banking system, which we feel is one of the most effec ve and
efficientintheworld.
However,wetakethingsastepfurther.WekeepyourfundsinoneSwissBank,whileAccessFinancial'sfundsarekeptinanother,
ensuringnooverlaptakesplace.
TheTeam
AccessFinancial'sthreedirectorshaveacombinedexperienceofmorethanfi yyearsintheindustryandmanymembersofthe
team have been with the company since we opened our doors. We are all dedicated to achieving ul mate customer
sa sfac on.
Speed
The world is ge ng faster and faster, meaning that organisa ons have to respond quickly. This is why we run invoicing, payroll
and payments on a daily basis to avoid lag mes. We reply to verbal and wri en queries as quickly as we can provide a
sa sfactoryanswer.
Insurance
We have an in-house insurance team that makes sure all our companies, and implicitly our clients, have full coverage for the
ac vi esandcountriesweoperatein.Thus,weoffer:
 Professionalindemnityinsuranceforupto EUR 5million
 Publicliabilityinsuranceforupto EUR 5million
 Worker'scompensa oninsuranceoremployerliabilityinsuranceasrequiredbylocallegisla onintheworkcountry.

14. COUNTRY SOLUTIONS
Access Financial Country Solu ons Summary 2015
Country Solu ons
Minimum Maximum Capability Time Average Costs
Armenia 69% 71%
Austria 59% 66%
Azerbaijan 55% 87% Yes 6 - 8 weeks EUR 4,300
Bulgaria 81% 81%
Cyprus 75% 80%
Czech Republic 62% 68%
Denmark 52% 67% Yes 6 -8 weeks EUR 1750
Estonia 61% 70%
Finland 65% 75%
France 52% 78%
Germany 45% 78% Yes 8-12 weeks EUR 1500
Greece 54% 62%
Hungary 48% 49%
Ireland 50% 73%
Italy 51% 65%
Latvia 74% 75%
Lithuania 75% 81%
Luxembourg 60% 74%
Malta 69% 69%
Netherlands 49% 64% Yes 4 - 6 weeks EUR 1500-1850
Norway 53% 73%
Poland 71% 74%
Portugal 65% 70%
Romania 69% 78%
Russia 72% 90% Yes 5 - 8 weeks EUR 1500
Slovenia 56% 60%
Spain 65% 75%
Sweden 49% 63% Yes 4 - 8 weeks 1500
Switzerland 70% 75%
United Kingdom 57% 68%
Reten ons Work Permits
Europe

15. COUNTRY SOLUTIONS
Access Financial Country Solu ons Summary 2015
Country Solu ons
Minimum Maximum Capability Time Average Costs
Bangladesh 70% 85% Yes 4 - 5 weeks USD 1,550
China 58% 84% Yes 6 - 8 weeks USD 800
Hong Kong 81% 88% Yes 4 - 6 weeks USD 850
India 62% 85% Yes 4 weeks USD 1,300
Indonesia 72% 75%
Japan 65% 82% Yes 4 - 8 weeks USD 1500
Malaysia 59% 75% Yes upto 3 months USD 1600
Singapore 70% 91%
Bahrain 78% 87% Yes 4 - 8 weeks+ USD 4100
Kuwait 74% 84% Yes 6 - 8 weeks+ USD 4720
Oman 69% 88% Yes 4 - 6 weeks+ USD 4900 - 5,400
Qatar 70% 87% Yes 6 - 8 weeks+ USD 2500-3250
Saudi Arabia 80% 88% Yes 1 week USD 1200
Ghana 59% 80% Yes 6 - 12 weeks USD 1000
Kenya 67% 82% Yes 3 - 4 weeks USD 4000
Mozambique 64% 78% Yes 6 - 8 weeks USD 6000
Nigeria 74% 79% Yes 2 - 4 weeks++ USD 2750
USA 59% 66%
Canada 60% 63% CAD 4000
North America
Reten ons
Africa
Asia
Middle East
Work Permits

16. Contact us
We would be delighted to hear from you and tell you
more about our services and how we can help you and
your agency with contrac ng ma ers worldwide.
www.accessfinancial.ch
Access Financial Intl SA
(Head Office)
Chemin de Précossy 7,
Case Postale 2123,
CH-1260, Nyon
Switzerland
Phone: +41 22 365 4620
Fax: +41 22 365 4621
info@accessfinancial.ch
The United Kingdom
St Clements House
27-28 Clements Lane
London, EC4N 7AE
Phone: +44 20 7017 3110
Fax: +44 20 7017 3119
Belgium
Av. du Mar n-Pêcheur,
15 B24 - 1170 Bruxelles,
Belgium
Phone: +32 28081505
China
Room 1409,
Huai Hai China Tower
No. 885, Ren Min Road
Shanghai, 200010
Phone: +86 21 6267 5758
Fax: +86 21 6267 5778
Cyprus
Suite 402, Pavlides Court,
Corner of Ayiou Andreou &
Archbishop Kyprianou Street,
3036 Limassol
Phone: +357 25 820 640
Fax: +357 25 341 027
Fribourg
Rue de Alpes 36
CH – 1700 Fribourg
Switzerland
Phone: +41 26 534 1461
Fax: +41 26 321 2207
Luxembourg
Phone: +352 621677847
India
F 15, 1st Floor
Sector 8, Noida
201 301 U ar Pradesh
Phone: +91 120 4681100
France
17, Avenue George V,
75008 Paris
Phone: +33 182888902
Germany
Phone: 0049 6196 2025421 (22) (23)
Fax: 0049 6196 2025424