CIC · and short-term loans. CIC InfoRisk assesses the financial health of your business partners, and CM-CIC Factor’s factoring agreements can protect your business, whatever its

2013

CICin brief

2 | cic in brief

Data as at 31 December 2012* Full-time equivalent

4,569,510 customers including:

3,778,772 individuals

72,200 associations

602,323 self-employed professionals

116,215 corporates

20,446 employees*

2,074 branches in france

3 foreign branches,

34 representative offices and

29 private banking offices outside france

The group’s activity is organized around five core businesses

Retail banking encompasses the banking network – comprising the regional banks and CIC in the Greater Paris region – and specialist activities whose products are distributed through this network: life and property-casualty insurance, equipment and real-estate leasing, factoring, fund management, employee savings plans and real estate.Financing encompasses credit facilities for large corporates and institutional customers, specialized financing (export, project and asset financing), together with international operations and foreign branches.Capital markets activities comprise investments in interest-rate instruments, equities and foreign currencies, together with brokerage services.

Private banking provides expertise in asset management and estate planning to entrepreneurs and private investors. It draws on the expertise of the group’s specialist business lines and subsidiaries in France and abroad.Private equity comprises equity investments, M&A advisory services and financial and capital markets engineering. It is organized around two businesses: CM-CIC Capital Finance and CM-CIC Investissement. CIC is one of the leading players in this segment in France outside the Paris region.

Profile of CIC

CIC is the holding company and network bank for the Greater Paris region. It federates five regional banks and subsidiaries specialized in all finance and insurance business lines in France and abroad.

cic in brief | 3

Service offer

CIC endeavors to establish a lasting relationship with its clientele of retail customers, associations and professional and corporate customers.

To help serve them, it constantly upgrades its branch network (24 new openings in 2012) and enhances its remote banking services by expanding its network of automatic teller machines and adding new Filbanque functions (new account management settings and applications for smartphones and touchscreen tablets are among the most recent).Drawing on the strength and solidity of the Crédit Mutuel-CIC group, it provides an ever more efficient range of services covering banking, insurance and new technologies, including remote surveillance and mobile telephony, and adapted to young people in all age groups.CIC provides high value-added services to a clientele of high-net-worth customers and senior executives through its private banking entities in France and abroad.

3,778,772 individualsCIC meets its customers’ expectations by listening and responding to their needs, making the right expertise available, and providing local decision-making capacity.

Making banking easyIn today’s world, it is essential to be able to contact your bank, freely and at all times. With Filbanque, whether you are at home, in the office or out in the street, you can carry out most transactions and make payments in all security, follow the stock market or access your insurance policies. A single subscription is all that is needed to manage your account by Internet, WAP, I-mode or telephone. Personal contracts (Contrats Personnels) include a service package: you choose the services that suit you best and, with the Web option, you benefit from reduced rates if you receive your bank statements via cic.fr.Your payment instruments are accompanied by extensive guarantees. All cards incorporate the “contactless payment” function and some offer the Différé plus option, providing for payment in installments.With Crédit en Réserve and Allure Libre accounts or a personal loan, you are equipped to face any unforeseen expenses or impulse purchases. And with Etalis, you can stagger a large expense over several months after paying it.

Financing projectsWhen buying a car, you can choose a specific car loan or opt for an all-inclusive long-term car rental solution. If you are planning to buy a house to live in or rent out, or to carry out home improvements, CIC offers a comprehensive range of flexible and adaptable loans.

Protecting your family and possessionsBesides home and motor insurance, which cover all your needs starting from financing a project, our range of services also covers healthcare, retirement and personal insurance.Assurance Santé provides immediate and flexible coverage of consultations, basic care, dental care, optical needs

and hospitalization, with no conditions attached or medical questionnaires. Several levels of benefits are available if you wish to take out more comprehensive coverage.

Building your capital and preparing the futureWith Epargne évolutive, the bank offers a range of flexible savings solutions tailored to your priorities: safety net savings, building capital, increasing capital, top-up income, tax optimization and transmission of assets.By combining Livret A Sup and LDD Sup savings plans, you can invest up to €200,000 on advantageous and flexible terms and with complete security.With the Compte évolutif, you benefit from a guaranteed interest rate that is known in advance and increases each year without you having to commit to a subscription period, and your capital remains available at all times. If you wish, you can receive accrued interest each quarter.Plan assurance vie, a multi-vehicle contract, adapts to your needs through three formulas. For an investment in the financial markets or in rental real estate, your advisor will recommend products best suited to your situation and objectives and can draw on the assistance of the bank’s wealth management experts when necessary.

Benefit from the most efficient new technologiesCrédit Mutuel-CIC has always made new technologies a central feature of its strategy, with innovative products and services designed to make life easier: mobile telephone services; Protection Vol (remote home surveillance); Web Conso, an online consumer credit facility, e-retrait to help out a relative by making money available at an automated teller machine in France, etc.In telephone services, CIC Mobile Cityzi enables you to pay for your purchases and to use public transport. The range of telephone service packages has been extended further, and if you buy several you can benefit from reductions and unlimited SMSs between different users with Avantage famille.

4 | cic in brief

674,523 self-employed professionals and associationsCIC favors a dual approach to advise its clientele of trades people, small retailers, self-employed and independent professionals and farmers: a global approach covering both professional and personal aspects, as all entrepreneurs need to look after their businesses and their families and prepare the future from solid bases; and a range of ‘tailored’ solutions.

ServicesSaving time and reducing administrative tasks are priorities so as to be able to focus on the business: Contrat Professionnel Global comprises all the essential banking services – bank cards, remote banking and means of payment insurence – bundles their costs in a flat fee and adapts to your needs thanks to numerous options.CIC’s electronic payment solutions provide reassurance to your customers while optimizing your cash flows.CM-CIC Paiement, a secure online payment solution, offers three formulas according to the size of your e-commerce site. Two others are specific to mail-order sales and associations. With the Prévention fraude module, you can set filter terms for payments considered too risky.

FinancingWith CréaCIC, business creators and acquirers have access to a comprehensive and tailored solution encompassing the initial financing, such as the PCE subsidized business creation or entrepreneur’s loan, daily management, social security protection and advice both before and after launching a project.

CIC’s discount, factoring and receivables assignment (Dailly act) services and overdraft facilities finance your operating cycle and meet your cash requirements. And you can delegate the sending out of reminders to recover unpaid receivables with Assistance Recouvrement CIC.The range of equipment and materials financing solutions is exhaustive, including leasing options with all-inclusive offers such as Flash association and Autoconfort, which combine a maintenance contract with a long-term vehicle lease, as well as remote surveillance of your business premises with Protection Vol Pro.

Savings and wealth managementYour objectives and your requirements evolve over time: tax optimization, building capital, investing, preparing for retirement, transmitting wealth, etc. Your relationship manager will help you draw up a personalized strategy.Employee savings plans are tax-efficient methods of remunerating you and your employees, as well as motivating and increasing the loyalty of your staff. Force 3 Epargne (PEI) and Force 3 Retraite (PERCOI) collective retirement savings plans are available to you if you have at least one employee.

Personal insuranceAs an entrepreneur, you need to protect your family and your company. TNS Prévoyance offers a choice between a capital sum or an annuity in the event of your death; daily indemnities enabling you to maintain your earnings in the case of incapacity to work and an education allowance. And CIC Homme clé provides insurance against the absence of employees who are key to the functioning of your business.

cic in brief | 5

116,215 corporatesRelationship managers are in close contact with businesses of all sizes and their executives and provide them with their extensive expertise, which draws on the innovation capacity and the business centers of Crédit Mutuel-CIC.

Flow managementEncompassing the monitoring, management and security of financial inflows and outflows and the optimization of cash surpluses, our innovative electronic payment, bank connectivity and remote banking services are at the cutting edge of technology. The group is highly involved in the SEPA project, which it has been instrumental in developing, and helps businesses migrate to new file exchange protocols and to introduce suitable formats.CM-CIC has also participated in the introduction of SEPAmail, a new electronic invoice payment solution.

Cash managementBy investing in term deposits, including those at step-up rates, CDN negotiable term deposits, BMTN medium-term negotiable notes and CIC Acti-trésorerie, you automatically boost the return on your cash in complete security. And CIC’s trading specialists guide you in your choices to protect you against currency and interest-rate risks.

InternationalCIC is your day-to-day partner for obtaining information, identifying suitable contacts, targeting potential clients, financing your development and determining your means of payment.Through its 37 international branches and representative offices, as well as specialist subsidiaries such as CM-CIC Aidexport, it can offer ad hoc services, such as market research, organization of trade missions, country days, partnerships and setting up of operations, among others.

Operating cycleWe offer numerous solutions to finance your operating cycle, including surety bonds, guarantees, receivables assignment and short-term loans.CIC InfoRisk assesses the financial health of your business partners, and CM-CIC Factor’s factoring agreements can protect your business, whatever its size, against the risk of payment default, thereby securing your trade receivables.

InvestmentWhether for creating or taking over a business, acquiring or renovating its production facilities or innovating, CIC’s solutions range from conventional loans to real estate, equipment or vehicle leasing and finance.

Social engineeringDeferred collective remuneration (profit sharing, incentive plans and employee savings plans) and group insurance cover (retirement indemnities, plans under Article 39/83 of the French Tax Code, health and personal insurance) are fully covered in an advantageous tax framework.And with Plan Retraite Evolutif CIC, which is designed to adapt to changes in your company and in the business cycle and combines the advantages of the PERCO collective retirement savings plans with those under Article 83, you can optimize your remuneration policy while controlling your expenses.

Financial engineeringFrom creation to expansion, growth through acquisitions and transmission, CIC can help you at each key phase of a company’s life with a variety of often complex financial, legal and accounting issues.

6 | cic in brief

Activity of the regional banks

CIC (Greater Paris region) (1)

Total customers: 702,443

• individuals 583,385

• associations 11,737

• self-employed professionals 92,343

• corporates 14,978

ATMs 307

Customer loans 15,439

Customer deposits 16,602

Managed savings 10,118

P&C insurance (no. contracts) 418,596

CIC Ouest






ATMs 386





CIC Sud Ouest






ATMs 357





(1) Data for the retail banking network.

Data at 31 December, 2012, end-of-month principal amounts in millions of euros.

CIC Nord Ouest






ATMs 337





CIC Est

Total customers: 1,024,345





ATMs 497





CIC Lyonnaise de Banque






ATMs 592





cic in brief | 7

CIC (1)

6 avenue de Provence 75009 ParisTel: +33 (0) 1 45 96 96 96 www.cic.fr

Chairman and chief executive officer: Michel Lucas

Deputy chief operating officer: Alain Fradin

Deputy chief executive: Philippe Vidal

Director of the retail banking network: Daniel Baal

Director of the corporate banking network: René Dangel

CIC Nord Ouest (2)

33 avenue Le Corbusier59800 LilleTel: +33 (0) 3 20 12 64 64www.cic.fr

Chairman and chief executive officer: Stelli Prémaor

Deputy chief operating officers: Éric Cotte – Bernard Duval

CIC Ouest (3)

2 avenue Jean-Claude Bonduelle 44000 Nantes Tel: +33 (0) 2 40 12 91 91www.cic.fr

Chairman and chief executive officer: Michel Michenko Deputy chief operating officers: Michel David – Laurent Métral

CIC Est (4)

31 rue Jean Wenger-Valentin67000 StrasbourgTel: +33 (0) 3 88 37 61 23www.cic.fr

Chairman and chief executive officer: Nicolas Théry

Deputy chief operating officers: Luc Dymarski – Pierre Jachez

CIC Lyonnaise de Banque (5)

8 rue de la République69001 LyonTel: +33 (0) 4 78 92 02 12www.cic.fr

Chairman and chief executive officer: Rémy Weber

Deputy chief operating officer: Isabelle Bourgade

CIC Sud Ouest (6)

Cité Mondiale20 quai des Chartrons33058 Bordeaux CedexTel: +33 (0) 5 57 85 55 00www.cic.fr

Chairman and chief executive officer: Pascale Ribault

3

6

2

4

5

1

8 | cic in brief

Simplified organization chart The percentages indicated represent the percentages of control exercised by CIC within the meaning of Article L.233-3 of the French Commercial Code. Companies that are not controlled by CIC (less than 50% holding) are also held by Crédit Mutuel, as indicated opposite. They are thus controlled within the meaning of the same Article by the Crédit Mutuel-CIC group.

CICRETAIL BANKING

NETWORK

CICNord Ouest

PRIVATEBANKING(1)

CIC Banque Transatlantique

PRIVATEEQUITY

CM-CICCapital Finance

SPECIALIZEDBUSINESSES

CM-CIC Asset Management

CM-CICLease

INSURANCE

Groupe des Assurances du Crédit Mutuel

SHAREDSERVICES

COMPANIES

EuroInformation

CICOuest

DublyDouilhet

CM-CICGestion

CM-CICFactor

GIE CM-CIC Titres

CICSud Ouest

Banque CIC Suisse

CM-CIC Epargne Salariale

CM-CICAidexport

GIE CM-CIC Services

CICEst

Banque de Luxembourg

CM-CICSecurities

CICLyonnaise de Banque

CIC Private Banking-Banque Pasche

CM-CICBail

100%

100%

100%

23.5%

100%

62.7%

100%

100%

100%

99.9%

100%

100%

100%

100%

100%

99.2%

54.1%

20.5%

12.5%

95.5%

No capital

100%

No capital

(1) Private banking business is also conducted by CIC’s Singapore branch (in Singapore and via CIC Investor Services Limited in Hong Kong).

CIC comprises:

• CIC (Crédit Industriel et Commercial), the holding company and bank that heads the CIC group. It is also the regional bank serving the Greater Paris region and houses the group’s investment, financing and capital markets activities;

• five regional banks, each of which serves a clearly-defined region;• specialist entities and service companies serving the entire group.

Crédit Mutuel shareholdings by business:

Specialized businessesCM-CIC Asset Management: 76.5%CM-CIC Bail: 0.8%CM-CIC Lease: 45.9%CM-CIC Factor: 4.5%

InsuranceGroupe des Assurances du Crédit Mutuel: 79.5%

Shared services companiesEuro Information: 87.5%

cic in brief | 9

The strength of an international group

93%

6%94%

100%

100%

51%

50%

20%

26%

4.4%

50%

100%

100%

100%

100%

6.60%

50%

100%

FinancialAsset Management* • bail* • Épargne Salariale*

Gestion* • factor* • Securities* • Titres* • Aidexport* becM • Sofémo • filaction • eSn • c2c • Home Loan SfH

Technologyeuro information • eiD - eiP • eii • eiS - Sicorfé • eP Surveillance

eiDS-eTS • euro GDS • euro P3c • euro TVS eurAfric information • iiD / DPS • Keynectis • cardProcess

ei Telecom • Axxès • eP Services • factor Soft

InsuranceGAcM • AcM Vie SAM • AcM Vie SA • Sérénis Vie • AcM iArD

Sérénis Assurances • AcM Services • Partners Assurances AcM ré • Agrupacio AMci • Desjardins • rAcc Seguros

rMA Watanya • Astree • icM Life • Procourtage

Real estateSarest* • Ataraxia* • SOPAriM* • SOfeDiM* • AfeDiM*

Gestion immobilière* • Lease cMH*

Private bankingcic banque Privée • cic banque Transatlantique

(france, Luxembourg, belgium, Singapore, Montreal) banque de Luxembourg • cic Suisse • banque Pasche

Dubly Douilhet

Private equitycM-cic capital finance

Caisse Fédérale de Crédit Mutuel

(banks 82% – AcM 18%)

Regional banks and local banks

Caisses de Crédit Mutuelof the 11 federations

Centre Est Europe

Sud-Est

Ile-de-France

Savoie-Mont Blanc

Midi-Atlantique

Centre

Dauphiné-Vivarais

Loire-Atlantique Centre-Ouest

Méditerranéen

Normandie

Anjou

CIC Nord Ouest

CIC Est

CIC Ouest

CIC Sud Ouest

CIC Lyonnaise de Banque

Banca Popolare di Milano

CIC Iberbanco

Cofidis

Banque Casino

Banque de Tunisie

BMCE Bank

Banco Popular

TARgOBANk (Spain)

TARgOBANk (germany)

11 federations (1)

Banque Fédérative du Crédit Mutuel

(BFCM)

(1) centre est europe; Sud-est; ile-de-france; Savoie-Mont blanc; Midi-Atlantique; Dauphiné-Vivarais; Loire-Atlantique et centre-Ouest; normandie; centre; Méditerranéen; Anjou. * cM-cic subsidiary

cM-cic bail belgique – bT belgium cofidis – Partners (insurance)

1 2 banque de Luxembourg – bT Luxembourg icM Life (insurance)

cic Private banking – banque Pasche banque cic (Suisse)

3

Spain

France

Germany

United Kingdom

U.K.

Czech Republic

Slovakia

Hungary

Portugal

1

Luxembourg2

Switzerland3

Morocco

Tunisia

Belgium

Italy

10 | cic in brief

International and specialist network

International network

EuropeGermanyWilhelm-Leuschner Strasse 9-11D 60329 Frankfurt am MainTel: +49 69 97 14 61 01E-mail: [email protected] Christoph Platz-Baudin

Belgium and the NetherlandsBanque Transatlantique BelgiumRue de Crayer, 141000 BrusselsTel: +32 0 2/554 18 90E-mail: cicbruxelles@ cicbanques.beGaétan Croen

SpainCalle Claudio CoellonN° 123 – 6ª planta28006 MadridTel: +349 1 310 32 81/82E-mail: cic.madrid@ cicmadrid.com Rafael Gonzalez-Ubeda

United KingdomVeritas House125 Finsbury PavementLondon EC2A IHXTel: +44 20 74 54 54 00Ubaldo Bezoari

HungaryBudapesti kepviseleti IrodaFö utca 10 H-1011 Budapest Tel: +36 1 489 03 40E-mail: cicbudapest@ cicbudapest.hu Kalman Marton

ItalyCorso di Porta Vittoria, 2920122 MilanTel: +39 02 55 19 62 42E-mail: [email protected] Luigi Caricato

PolandUl Stawki 2INTRACO 29 p.00-193 WarsawTel: +48 22 860 65 01/02/03E-mail: cicvarsovie@ cicvarsovie.pl Barbara Kucharczyk

PortugalAvenida de Berna n° 30, n° A1050-042 Lisbon Tel: +351 21 790 68 43/44E-mail: [email protected] Henrique Real

Czech RepublicMala Stepanska 912000 Prague CZ Tel: +420 2 24 91 93 98E-mail: [email protected] Stibalova

RomaniaStr. Herastrau nr.1, etaj 2Apt. 6, Sector 1 011981 Bucharest Tel: +40 21 203 80 83 E-mail: [email protected] Anagnostopoulos

Russian Federation – CIS9, korp. 2A Kutuzovskiy prospektOffice 93-94121248 MoscowTel: +7 495 974 12 44E-mail: cic-moscow@ cic-moscow.ru Nikita Stepanchenko

Sweden, Baltic countries and ScandinaviaKronobergsgatan 27SE – 112 33 StockholmTel: +46 8 611 47 11E-mail: [email protected] Martine Wahlström

Switzerland29 avenue de Champel1211 Genève 12 Tel: +41 22 839 35 06E-mail: [email protected] Nadine Johnson

TurkeySuleyman Seba Cad. N° 48 BJK Plaza A Blok K:4 D:41 Akaretler34357 Besiktas Istanbul Tel: +90 212 227 67 39 E-mail: [email protected] Mehmet Bazyar

AfricaAlgeria38 rue des Frères Benali (ex-Parmentier)Hydra16000 Algiers Tel: +213 21 60 15 55/15 56E-mail: cicbalg@ cicalgeria.com.dzAhmed Mostefaoui

Egypt28 rue CherifCairo 11-111 Tel: +20 2 23 93 60 45E-mail: [email protected] M. Lotfy

Morocco12 boulevard Brahim RoudaniRésidence Zeïna 1er étage appartement 10220000 CasablancaTel: +212 5 22 20 67 67/68 16E-mail: [email protected] Raoui

TunisiaImmeuble Carthage CenterRue du Lac de Constance1053 Les Berges du Lac – TunisTel: +216 71 96 23 33/96 30 78E-mail: [email protected] Emna Ben Amor – Dimassi

Middle EastLebanon and Middle EastAchrafiehRue de l’archevèque GhofrayelImmeuble Attar – rdc gaucheBeirut Tel: +961 1 216 320E-mail: [email protected] Ammoun

United Arab EmiratesDubaï-Al Wasl-Sheikh Zayed RoadDubaï National Insurance Building1st Floor – Office 106PO Box: 16732 Dubai United Arab Emirates Tel: +00971 4 325 1559E-mail: [email protected] Ammoun

AmericasBrazilCIC Do BrasilRua Fidêncio Ramos, 22313 Andar – Cj 132CEP 04551 – 010São Paulo SPTel: +55 11 3846 22 12E-mail: cicbrasil@ brasil-cic.com.br Luiz Mendes de Almeida

ChileEdificio World Trade Center SantiagoAv. Nueva Tajamar 481Torre Norte – Oficina 1401Las Condes Santiago de Chile Tel: +56 2 203 67 90E-mail: [email protected] Le Ny

United StatesCIC520 Madison AvenueNew York, N.Y. 10022Tel: +1 212 715 44 00E-mail: [email protected] Francis

MexicoGalileo 20 PH AColonia PolancoCP 11560 Delegacion Miguel HidalgoMexico D.F.Tel: +52 55 52 80 83 73E-mail: [email protected] Soulard

VenezuelaCentro Plaza – Torre A – Piso 12 Oficina 1Avenida Francisco de MirandaCaracasPostal address: Apartado Postal 60583 Caracas 1060 Tel: +58 212 285 45 85/286 25 03E-mail: [email protected] Roger

AsiaEast China/ShanghaiRoom 2005Shanghai Overseas Chinese MansionN° 129 Yan An Xi Road (w)Shanghai 200040 Tel: +86 21 62 49 66 90/69 27E-mail: cicshanghai@ cicshanghai.cnShan Hu

North China/BeijingRoom 310, Tower 1, Bright ChinaChang An BuildingN° 7 Jianguomennei DajieDong Cheng DistrictBeijing 100005 P.R.Tel: +86 10 65 10 21 67/68E-mail: [email protected] Bian

South China/Hong Kong22nd Floor, Central Tower28 Queen’s Road CentralHong KongTel: +85 2 25 21 61 51E-mail: [email protected] Pierre Garnier

South KoreaSamsug Marchen House 601Il-San-Dong-KuJang-Hang-Dong-2-Dong 752Goyang 410-837 South KoreaTel: +82 31 901 1225E-mail: [email protected] Hahn

IndiaA-31 Feroz Gandhi MargLajpat Nagar Part 2New Delhi 110 024Tel: +91 11 41 68 06 06E-mail: [email protected] Mathieu Jouve Villard

10 | cic in brief cic in brief | 11

IndonesiaWisma Pondok Indah 2Suite 1709Jalan Sultan Iskandar MudaPondok Indah Kav. V-TAJakarta Selatan 12310Tel: +62 21 765 41 08/09E-mail: cicindonesia@ cicindonesia.co.id

JapanSun Mall Crest 3011-19-10 ShinjukuShinjuku-kuTokyo 160 – 0022Tel: +81 3 32 26 42 11E-mail: [email protected]édéric Laurent

Singapore12 Marina Boulevard #37-01Marina Bay Financial Center Tower 3Singapore 018982Tel: +65 65 36 60 08www.cic.com.sgE-mail : angladje@ singapore.cic.fr Jean-Luc Anglada

Taiwan2F, N° 61, Tien-mou West Road11156 TaipehTel: +886 2 2874 7645/46E-mail: [email protected] Wen

Thailand496-502 Amarin Tower10th floorPloenchit road Lumpini PathumwanBangkok 10330Tel: +66 2 305 6894E-mail: [email protected] Devakula

Vietnamc/o Openasia Consulting Limited6B Ton Duc Thang Street1st FloorDistrict 1Hô Chi Minh City Tel: +848 391 05 029E-mail: [email protected] Doan Viet

OceaniaAustraliaSuite 1503, Level 15 Chifley Tower2 Chifley SquareSydney NSW 2000 AustraliaTel: +612 9926 0701E-mail : [email protected]

Specialist network

FrancePrivate bankingCIC Banque Transatlantique26 avenue Franklin D.Roosevelt75008 ParisTel: +33 (0) 1 56 88 77 77www.banquetransatlantique.comChairman and chief executive officer: Bruno Julien-LaferrièreChief operating officer: Hubert VeltzPrivate equityCM-CIC Capital Finance4-6 rue Gaillon75002 ParisTel: +33 (0) 1 42 66 76 63www.cmcic-capitalfinance.comChairman of the executive board: Antoine JarmakMembers of the executive board: Carl Arnou – Pierre Tiers

BelgiumPrivate bankingBanque Transatlantique BelgiumRue De Crayer, 141000 BrusselsTel: +32 2 626 02 70E-mail: [email protected] de Boissieu Michel de Villenfagne

United KingdomPrivate bankingCIC Banque Transatlantique125 Finsbury PavementLondon EC2A IHXTel: +44 20 74 96 18 90E-mail: [email protected] A. Markart

LuxembourgPrivate bankingBanque de Luxembourg14 boulevard RoyalL 2449 LuxembourgTel: +352 49 92 41E-mail: [email protected] Ahlborn Philippe VidalBanque Transatlantique Luxembourg17 Côte d’Eich – BP 884L 2018 LuxembourgTel: +352 46 99 891E-mail: [email protected] Huard Mériadec Portier

SwitzerlandPrivate bankingCIC Private Banking-Banque Pasche10 rue de HollandeCase Postale 57601211 Genève 11 Tel: +41 22 818 82 22E-mail: [email protected] Mazurier

Banque CIC (Suisse) SA13 place du Marché4001 BaselTel: +41 61 264 12 00E-mail: [email protected] MüllerPhilippe VidalCIC Banque Transatlantique Private WealthAvenue de Champel 29Genève 1206Tel: +41 22 346 10 10E-mail: [email protected] Paillard

CanadaPrivate bankingCIC Banque Transatlantique1170 rue Peel – Bureau 601Montreal (Quebec) H3B 4P2Tel: +1 514 985 4137E-mail: [email protected] Eap

United StatesPrivate bankingCIC Banque Transatlantique520 Madison AvenueNew York, N.Y. 10022Tel: +1 212 644 42 19E-mail: [email protected] Le Coz

Hong KongPrivate bankingCIC Banque Transatlantique22/F, Central Tower28 Queen’s Road CentralHong KongTel: +852 2106 0391E-mail: [email protected] Michelon-TangCIC Investor Services Limited22nd Floor, Central Tower28 Queen’s Road CentralHong KongTel: +85 2 21 06 03 88E-mail: [email protected] Lo

SingaporePrivate bankingCIC Banque Transatlantique12 Marina Boulevard # 37-02Marina Bay Financial Center Tower 3 Singapore 018982Tel: +65 64 41 20 00E-mail: [email protected] PinsardCIC Singapore63 Market Street #15-01Singapore 048942Tel: +65 62 31 98 80www.cic.com.sgE-mail: [email protected] Kwek

May

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tos:

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CIC, a French limited company (société anonyme) with share capital of €608,439,888 – 6, avenue de Provence - 75009 ParisSwift CMCIFRPP – Tel: +33 (0)1 45 96 96 96 – www.cic.fr – Paris Trade and Companies Registry no. 542 016 381

Register of Insurance Intermediaries no. 07 025 723 (www.orias.fr) Bank governed by Articles L.511-1 et seq. of the French Monetary and Financial Code

for transactions carried out in its capacity as an insurance intermediary

www.cic.fr

Documents

CIC · and short-term loans. CIC InfoRisk assesses the financial health of your business partners, and CM-CIC Factor’s factoring agreements can protect your business, whatever its