Hämeenlinna Imatra Joensuu Kouvola Lahti Lappeenranta Mikkeli Oulu Porvoo Tampere. Mailing address: PL Lappeenranta Suomi Finland

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1 Hyvä luottokelpoisuus Soliditet 2013 REIM Real Estate Investment and Management Oy Ltd # 41 Winter 2015 Hämeenlinna Imatra Joensuu Kouvola Lahti Lappeenranta Mikkeli Oulu Porvoo Tampere first name.last name@reimgroup.com Mailing address: PL Lappeenranta Suomi Finland Visiting address: Väinö Valveen katu Lappeenranta Phone Concern Board of REIM Group got together with the Opera ve Board in Lah In 2015 the first mee ng of the Concern Board of REIM Group was held on a Wednesday on 28 th January in Lah. A er the mee ng the whole Concern board joined the Opera ve Board s mee ng, also in Lah. The members of REIM Group s Concern and Opera ve Boards in a photo all together from the le : Marko Hellevaara, Vesa Koskinen, Frank Wendelin, Jukka Mäkinen, Saija Toivonen, Jani Takala, Timo Multanen, Kari Metsäkallio, Antero Jun la and Jari Vahviala. According to Timo Multanen, the Chairperson of the Concern Board, the first meeting of the year was started with an overview of the past year 2014, as well as of the start of CEO of the Concern Saija Toivonen con nued with a wide overview of the opera ve ac vi es. Also overviews by Financial Manager Jani Takala and Marketing and Sales Manager Jari Vahviala were part of the mee ng. The concern board s annual calendar for 2015 was accepted, as well as a bonus system for the whole group in It was also stated that the streamlining of the whole company structure is going forward as planned. Also the master s thesis ordered from Lappeenranta University of Technology (LUT) was a part of the discussion, especially its possibili es for u liza on. A er a discussion of the need for ming of REIM Group s strategy it was decided that this issue will be con nued with. Chairperson of the Opera ve Board Jukka Mäkinen con nued to lead the mee ng. There were many issues and they were discussed widely concretely. The program consisted of, among others, the future customer satisfaction research, ICT issues, ISA audits and a new professional competence system coming in the field of housing management. Professional services by REIM Group since 1974 House Management Real Estate Brokerage Accoun ng office services

2 Väinö Valveen katu 2, Lappeenranta, Finland Phone Kimmo Karvinen, CEO of Good House Oy introduced the new customer sa sfac on research being conducted in the beginning of Listening to him were both REIM Group s Opera ve and Concern Boards. Authorized Member of Associa on of Finnish Accoun ng Firms Tilikarelia REIM Kymi Interviews of the managers of REIM Finance Arja Anun and Erja Jurvanen-Savurinne Arja Anun, CEO of Tilikarelia, and Erja Jurvanen-Savurinne, Office Manager of REIM Kymi, are responsible for the accoun ng ac vi es of companies opera ng in REIM Finance. What does REIM Finance mean and what kind of a company is Tilikarelia Oy? REIM Finance is still a rather new, probably an unknown, name to our clients. Of course REIM is a well-known name enough to a ract people s curiosity, but what is REIM Finance? The goal is for everyone working with finances in REIM to have coopera on, possibly even a shared policies. Maybe it is possible to create this with me, says Arja Anun, CEO of Tilikarelia Oy. Tilikarelia has a long history for an accoun ng company in Lappeenranta. We have tradi ons from decades ago; both in our company, as well as in our client companies, there have been genera on changes, which shows that our company is old and there is a lot of trust between us and our clients. Nowadays there are 10 professionals working in Tilikarelia. We con nuously arrange supplementary training, thus everyone has acquired specific roles, if you can say so. Naturally, a person is specialized in some specific type of task, which is how the clients are given to different employees. This is how demand and supply meet. Our clients vary from small sole traders to rather large financial en - es, tells CEO Anun. What services does Tilikarelia offer and in what field of business? Nowadays a client in Tilikarelia gets the full management of their finances. Of course, this depends on the client s needs, but all the basic bookkeeping, reports, salaries, financial statements and tax returns all go into the category. In the future we plan to develop our services so that our clients will have even more access to their own bookkeeping and financial situa on as a remote client. This will be possible a er we move into a cloud service as planned, con nues Arja Anun. Your company is an authorized accoun ng company and an authorized member of Associa on of Finnish Accoun ng Firms. What does this mean? It is always a source of pride when you can say that we are an authorized accoun ng company. It tells about quality. The Associa on of Finnish Accounting Firms keeps an eye on us authorized accounting firms. An authorized accoun ng company needs to have accountants who have the KLT qualifica on. Their knowhow is kept up with constant trainings which are also controlled by the Associa on of Finnish Accoun ng Firms. There are specified amounts of trainings that each has to go to each year. In a way, the Associa on is also a safety net behind us: we as members always get service and advice from them in any hard ques ons possible, emphasizes Arja Anun, CEO of Tilikarelia. How will the accoun ng company services develop and how will this possibly affect the future client rela- onships? I already men oned the cloud service before. In the future the entrepreneur will, most probably, be even more involved in their finances either by taking part or just spectating. Nowadays nearly everyone has an internet connec on and everyone is used to it; why not u lize the channel for handling and researching their own information. When using the cloud services the benefits are seeing everything in real me and, especially, the possibility for using it remotely. Naturally, this is only for those who want to use this, nobody is forced into anything bookkeeping will s ll be done in tradi onal ways. For us the cloud service just saves a lot of me. Our plans for the ICT changes are already in effect and we are doing this together with REIM Kymi under the name REIM Finance, Arja Anun opens up about her company s plans. A good bookkeeper sympathizes with their client in a way that the work is being done as if it was the bookkeeper s own, states CEO of Tilikarelia Oy Arja Anun. What is a good bookkeeper and a financial manager like? First of all, one has to be flexible and able to listen. In addi on to the obvious exper se a good bookkeeper also has to be able to listen to their client and give advice when needed. A good bookkeeper identifies with their client, meaning that the work is done like it s the bookkeeper s own business. It is important that one has understands what the client is talking about, how they feel, where they are going with their business. It is professional sympathy, formulates CEO of Tilikarelia Arja Anun. An accoun ng company s challenges these days are rather different than they used to be, let s say, 10 or even five years ago. The world is changing especially in the field of commerce. We are required to know about interna onal value added taxes. Online sales have brought an allnew field of bookkeeping. A customer might have online sales to several different countries, which requires knowing the different countries VAT systems, as well as, their requirements for reports and payments. We need to keep up with these developments, Arja Anun, CEO of Tilikarelia Oy, finishes her interview.

3 Mailing address: PL 34, Lappeenranta Visiting address: Väinö Valveen katu 2, Lappeenranta What does REIM Finance mean, what kind of a company is REIM Kymi Oy and what does Kymen Tilikeskus mean? REIM Kymi Oy, previously known as Kymen Tilikeskus Oy, is an accounting company founded in 1984 in Jaala. The founding partners were Säästöpankki of Jaala, Osuuspankki of the Kouola Area and a bunch of Jaala-based entrepreneurs, most of whom are s ll co-owners or clients. The accoun ng company expanded in 1987 to Kuusankoski, a er which new offices were opened in Pienteollisuustalo and soon housing management services started opera ng. A er various stock trades and acquisi ons we have grown to be one of the leading accoun ng accoun ng and housing management companies. Now we are also a part of REIM Group. The business name Kymen Tilikeskus is history now and we can be recognized by the logo of REIM Finance. Our clientele consists of various fields and types of business. Regionally our clients are mostly from the Kymenlaakso and Itä-Uusimaa regions. We have seven professional bookkeepers taking care of this challenging but interes ng field of tasks, tells Erja Jurvanen-Savurinne, Office Manager and Accountancy Manager of REIM Kymi. What services does REIM Kymi offer and in what fields of business? REIM Finance offers financial management services on the client s terms. The most common divisions are bookkeeping, invoicing, salaries, personal ledgers, financial statements and reports required by taxa on. We always do our best to help with other issues, also. Your company is an authorized accoun ng company and an authorized member of Associa on of Finnish Accoun ng Firms. What does this mean? An authoriza on by the Associa- on of Finnish Accoun ng Firms is a guarantee that we deal with both our clients, as well as our own, business well and with proper care. Challenges are for winning and a good bookkeeper is a Treasure with capital T, says Accountancy Manager of REIM Kymi, Erja Jurvanen-Savurinne, KLT. are responsible for authoriza on. An authorized accoun ng company and its ac vi es are checked upon regularly. An authorized company follows the current laws and regula ons and good accoun ng company habits, and does so also when following their clients orders. A client s benefit and the legality of all opera ons is a good guideline. Authoriza on means a lot. Usually it is only given to half of everyone who tries to get it. Only the best accoun ng companies get the authoriza on. Authoriza on is your guarantee that your issues are handled by tested professionals. An authorized company also has everything in order, such as liability insurances and systems, clarifies Erja Jurvanen-Savurinne from REIM Kymi. How will the accoun ng services develop and how will this affect your future client rela onships? In REIM Kymi Oy we are living the mes of changes. We are currently making so ware decisions in order to give up-to-date service to those who want it. However, tradi onal accoun ng company is not going anywhere, a client s needs are what matter. The benefit of changing to more digital way of working is the fact that we get to use the systems regardless of me or place. I also see this as a possibility for rural companies like ours. We no longer need to be ed to one place since in the future we can compete, for example, for company clients in the capital city area with compe ve prices, emphasizes Erja Jurvanen-Savurinne. What is a good bookkeeper and a financial manager like? A good bookkeeper is a Treasure with capital T. They are good listeners and they concentrate on the important issues while holding on to all threads. They are organized and are able to say things clearly in a way that is understood. A good bookkeeper never thinks of themselves as being ready, they are always eager to gather new informa on. They are good with details but they also see en es. A good bookkeeper questions everything and searches for arguments, not giving up un l everything is clear. Challenges are made for winning, says Erja Jurvanen-Savurinne from REIM Group with her own strong exper se. New billboard on Route 6 in Luumäki What does the authoriza on mean in prac ce? There is a list of requirements that authoriza on has, among others, about the exper se of the bookkeepers and our resources. In Finland the Association of Finnish Accounting Firms together with The Institute for Accountancy REIM Brokerage and REIM Finance (Tilikarelia) are on a billboard next to the road in Luumäki on the way from Lappeenranta to Kouvola. 10 th REIM Group St. Petersburg Badminton & Real Estate Seminar Invita onal 2015 will be in St. Petersburg on 20 th to 22 nd May 2015

4 Väinö Valveen katu 2, Lappeenranta, Finland Phone Na onal and interna onal models of housing management Timo Multanen, Chairperson of the Concern Board of REIM Group, MBA, AIT, In a successful business everything starts with a client. At least it should start. This applies to both na onal and interna onal models of housing management. The la er should be kept an eye on. However, star ng with a client does not only mean sa sfying the customer. The ac ons must create addi onal value to the customer. A professional should walk in the front row of development while developing and bringing new opera ng models to the client, which bring additional value to the clients. Data systems and digital communication, as well as their development, have been strong trends in housing management. In some countries they are a fixed part of the business, in some their development means having a clear competitive advantage. Using digital systems has already, and will so in the future, affected the business in Finland very dignificantly. The Finnish Real Estate Management Federa on did a report on Interna onal models and prac ces in housing management in 2011 as a part of project Vision of housing management in This kind of projects are important as they give the possibility to analyze issues and to understand guidelines, as well as give each opera ve the possibility for development. Without development there is no future. That, on the other hand, requires clever work, implementa on and applica on in prac ce. In the abovementioned report three strong development trends were men oned. These are differen- a on of tasks and growth in expertise knowledge requirements, generalizing of data systems and digital communica on, and centraliza on of the markets. The differentiation of tasks is a phenomenon that has clearly changed the field of housing management the most. There are two direc ons of development that are visible especially in Anglo-American countries like Great Britain and USA where the task of a housing management has always been more about leading than producing the services. In these countries the most important task of a housing manager has always been acquiring services from associates, service providers and contractors. In con nental Europe such development has raised its head only in the past decade. Most likely this development will also arrive in Finland one day. The significant factor in this development is the size growth of companies. For example, in the Netherlands and Denmark the differen a- on of tasks has clearly been connected with centraliza on of the markets. At the same me the company sizes have grown. It is wise to follow interna onal development while living in Finland. Na onal Account and Tax Days on 19 th to 20 th January 2015 in Finlandia Hall in Helsinki The event is annually taken part by approximately 1300 decisionmakers in financial management, accoun ng managers, KLT professionals, financial managers, taxa on advocates and accountancy teachers. The event was arranged now for the 48th me and it is arranged by Associa on of Finnish Accoun ng Firms. In REIM Finance REIM Kymi Oy and Tilikarelia Oy are member offices of the associa on. The first introduction was by chief director Juhana Var ainen, VATT, on the theme How to raise Finland? This con nued with Financial statement , current in bookkeeping, current in taxa on and Masterless money in a community: unions, funds, coopera- ves. Handing out the KLT diplomas finished the first day. The second day was started with Greetings from financial management: Possibili es of modern financial management, U liza on of data systems in fi nancial management best prac ces to bookkeepers. The day went on with Digital bookkeeping material and changing requirements from the point of view of a bookkeeper, a er which the Bookkeeper of the Year was announced. Before the finishing words by CEO of Associa on of Finnish Accoun ng Firms Juha Ahvenniemi introduc ons were heard on the themes The new age requirement list from a client to an accoun ng company and Current in value added taxa on. (From le to right) CEO of Tilikarelia Arja Anun ; Bookkeeper from REIM Kymi Niina Koli; KLT Bookkeeper from Tilikarelia Irene Syrjäläinen-Kiero; and Office Manager from REIM Kymi Erja Jurvanen-Savurinne, KLT, took part in the important annual event of the field. The annual event offers current informa on in a compact package and ge ng acquainted with colleagues from all around Finland. This all happens in the name of changing, modern and developing financial management.

5 Authoriza on of Housing Management ISA ry, 25 th Annual ISA Days Tradi onally the 25 th annual ISA Days were held on 15 th to 17 th January 2015 on a Helsinki Stockholm Helsinki cruise on M/S Silja Serenade. Mailing address: PL 34, Lappeenranta Visiting address: Väinö Valveen katu 2, Lappeenranta CEO of Linna Golf Petri Elmo Keskitalo gave a memorable speech about the theme How to I lead a team towards top performance? Everyone gathered in the conference hall of M/S SIlja Serenade on two days. The program of 2015 ISA Days were the following lectures: How do I lead a team towards top performance?, Wellbeing and strength of personnel at work, Psychosocial work load, What are the best working places made of?, Case: Housing Management in real life, Grain of gold in audi ng, Quality solu ons in housing management, Are you doing it right? and Knowhow of housing managers and its confirma on. The lecturers were actual professionals of the themes. REIM Group and all its housing management companies are all authorized by ISA. Addi onal informa- on about ISA: On the 25 th Annual ISA Days Saija Toivonen, AIT, CEO of REIM Group, represented the company. Psychologist Mari Järvinen from Työterveyslaitos lectures about Wellbeing and strength of personnel at work by telling about ways and possibili es to improve wellbeing at work, what are the benefits of this for the companies and their personnel, and what does personnel management mean as a compe ve advantage. CEO of REIM Group Saija Toivonen: Expecta ons for year 2014 are coming true and there are new winds blowing in 2015 In year 2015 we will go through the strategy of REIM Group and we will update it. One acquisi on was already made in the beginning of this year and we are hoping to finish a couple more before the end of this year, states CEO of the REIM Group Concern Saija Toivonen, AIT. What does 2014 look like in REIM Group from the aspects of opera onal and financial results? Opera onally last year was exactly what we planned for it to be back in We did not do any big investments. Just as we had decided. The largest operational change happened in the end of the year when we changed operators from Sonera to DNA. Considering the large size of this opera on it was surprisingly easy to conduct. Financially we have succeeded. I am excited to see the results of the fi nancial statements which will show the final truth. However, I already believe that our goals were met and we have raised our revenues. What do you consider to be the focuses of REIM Group s opera ons in 2015? In 2015 we will go through our strategy again and we will update it. Already one acquisi on was made in the beginning of this year and we are hoping to finish a couple more before the year ends. There are a lot of new winds and only future can tell us what we will create from them. What are the generally biggest challenges in housing management both currently and in the near future? The biggest challenges in our field of business are the personnel s ability to cope with the workload and finding reliable and professional staff. Also the society constantly brings new challenges in our field thus growing the responsibility of housing management companies to follow the legal work. Also the increasing need for social housing management (which we have no training for) in the next few years worries a li le. The compulsory tubular, sewer and façade renova ons are only just beginning in Finland, which means that there will be a lot more of them coming. These tasks executors (reliable ones) always bring their own challenges to housing managers. At the same time when the tasks keep on increasing there is always talk about the fact that the price of housing management has to be raced the prices have already hit rock bo om, the direc on needs to change!

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