CIC · prospection insurance from Coface. Trade Services facilitates electronic exchanges relating to all documentary credits. Operating cycle Short-term credits, surety bonds, guarantees,

www.cic.fr

CIC in brief

2 0 1 2 e d i t i o n

CIC remains close to its clientele of retail customers, associations, professional and corporate customers by constantly upgrading its branch network. Thirty-one new branches were created in 2011.

It enhances its remote banking services on an ongoing basis by expanding its network of automatic teller machines and adding new Filbanque functions (secure messaging, confirmation code, interconnection between contracts, Internet and Smartphone applications and appointment scheduling in business diaries are among the most recent).

An ever more efficient range of services covers banking, insurance and new technology, including remote surveillance and mobile telephony, with services adapted to young people of 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.

Drawing on the strength of the Crédit Mutuel-CIC group, it seeks to build a lasting relationship with each of its customers.

> 3,703,056 individualsCIC strives to provide the best possible service by listening and responding to its customers’ needs, making the right expertise available, and providing local decision-making capacity.

Making banking easy

Banking in the best conditions also means being able to access banking services, freely and at any time. With Filbanque you can use Internet, telephone or WAP to view your accounts, carry out transactions and make payments in all security, 24 hours a day. 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. Some cards offer the Différé plus option, providing for payment in instalments.

With Crédit en Réserve and Allure Libre accounts or a personal loan, you are equipped to face any unforeseen expenses or impulse purchases.

Financing projects

When 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 possessions

With comprehensive home and motor insurance, CIC can cover all your needs starting from financing your project. The range extends to healthcare, retirement and personal insurance.

Intégral’Optic provides healthcare insurance policyholders with full coverage of their optical equipment needs and payments made directly by the insurer to the service provider by using the Avance Santé card.

Building your capital and preparing the future

The bank offers a range of flexible savings solutions to respond to each customer’s savings objectives: safety net savings, build-ing capital, increasing capital, top-up income, tax optimisation 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 inter-est rate that is known in advance and increases each year with-out you having to commit to a subscription period, and your capital remains available at all times.

Your advisor will recommend the products best suited to your situation and objectives and can draw on the assistance of the bank’s wealth management experts when necessary.

Service offer

Benefit from the most efficient new technology

As a pioneer in this field, Crédit Mutuel-CIC has made new tech-nology a central feature of its commercial strategy, with innova-tive products and services designed to make life easier: mobile telephone services for monitoring your accounts and, in the near future, paying for your purchases in shops; Protection Vol (remote home surveillance); Web Conso, an online consumer credit facility, and more.

The range of telephone service packages has been further extended with the addition of the Ultimate illimitée package for Smartphones.

> 648,131 self-employed professionals and associations

A dual approach has been adopted to advise the bank’s clientele of trades people, self-employed and independent professionals, farmers and associations: first, 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, second, an offer of ‘tailored’ solu-tions to meet specific needs.

Services

Managing accounts, receipts and payments, investing surplus cash, etc. Saving time and reducing administrative tasks are priorities so as to be able to focus on the business: Contrat Professionnel Global, a global business banking package, comprises all the essential banking services and bundles their costs for a flat fee.

CIC has developed several innovative services in the area of flow processing: electronic handling of healthcare providers’ social security forms; a healthcare electronic payment package facili-tating the use of electronic payment terminals by doctors; a dedicated bank card specifically for the legal profession, etc.

CM-CIC Paiement offers secure online payment for small busi-nesses as well as international e-commerce sites operating in several languages and currencies. With the Prévention fraude module, you set the filter terms for payments considered too risky. And thanks to Pack Associations, associations are no longer obliged to have their own website to offer the possibility of online payment of fees and/or subscriptions.

Financing

CIC offers a range of suitable loans for starting a business, such as the subsidised business creation loan (PCE) and Créacic, a comprehensive and tailored financing solution for business rescuers restarting a business. Self-employed customers can avail themselves of services adapted to their situation, such as a payment card for business expenses, property and casualty insurance and civil liability cover.

Businesses can draw on CIC’s discount, factoring and receivables assignment (Dailly) services and overdraft facilities to finance their operating cycle and meet their cash requirements. And Assistance Recouvrement CIC sends out reminders on their behalf to recover unpaid receivables.

For your equipment and production materials purchases, your relationship manager can provide you with a full range of solu-tions including leasing options with all-inclusive offers such as

Flash association and Autoconfort, which combine a mainte-nance contract with a long-term vehicle lease, as well as remote surveillance of your business premises with Protection Vol Pro.

Savings and wealth management

Tax optimisation, building capital, investing, preparing for retire-ment, transmitting wealth: your objectives and your require-ments evolve over time and the bank will help you draw up a personalised strategy.

Profit sharing, incentive plans and employee savings plans (PEE and PEI) are tax-efficient methods of remunerating you and your employees, as well as motivating and increasing the loyalty of your staff. Force 3 Epargne and Force 3 Retraite offer a simple and efficient employee savings solution to very small businesses.

Personal insurance

To protect you and your family, 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 at 100% of your salary in the case of incapacity to work and an education allowance. It includes a healthcare and retirement insurance package that benefits from the tax advantages of the Madelin law.

> 110,853 corporatesRelationship managers are in contact with and at the service of businesses of all sizes and their executives. They can draw on the capacity for innovation and skill centres of Crédit Mutuel-CIC. They have extensive expertise spanning flow and cash manage-ment, international operations, operating cycles, investment and social and financial engineering.

Flow management

Our services are at the cutting edge of technology in electronic payment and remote banking services to handle receipts, payments, management and security of financial flows and to optimise surplus cash.

The bank helps business migrate to new file exchange protocols and to introduce SEPA formats, confirming its capacity to develop innovative and efficient bank connectivity services, such as the file management and transmission solution, Hub Transferts, which is integrated with Filbanque.

CIC distributes the electronic signature certificate K Sign RGS** for the Keynectis certification authority, thereby providing a comprehensive EBICS TS and certification package to facilitate the dematerialisation, securitisation and automation of trans-actions.

Cash management

The bank markets secure fixed-rate products – CDN negotiable term deposits or CIC Acti-trésorerie – and CAT term deposits at interest rates that increase each quarter including a three-year CAT indexed on three-month Euribor – or annually. With Libre Arbitre, a range of market investments, capital can be guaran-teed at maturity.

International

CIC is your day-to-day partner for supporting your strategy, financing your development, limiting interest rate and foreign exchange risk and determining your means of payment. Through its 39 international branches and representative offices and through CM-CIC Aidexport, it can offer ad hoc services, such as market research, organisation of trade missions, partnerships and setting up of operations, among others.

The Avance Plus Prospection service rounds off its financing offer to exporting SMEs by combining a cash advance with prospection insurance from Coface. Trade Services facilitates electronic exchanges relating to all documentary credits.

Operating cycle

Short-term credits, surety bonds, guarantees, factoring, receiv-ables assignment (Dailly), etc. offer numerous solutions to finance your operating cycle.

With the CIC InfoRisk information service and credit insurance via the CM-CIC Factor factoring agreements, you can protect your business against the risk of payment default and secure your trade receivables, which can be dematerialised with the E-pack service.

Investment

Whether for creating or taking over a business, renovating its production facilities, acquiring or extending business premises or innovating, CIC offers a range of conventional loans and appro-priate equipment and real estate leasing and finance leasing solutions.

Social engineering

An offer comprising all aspects of deferred collective remunera-tion (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 insur-ance) in an advantageous tax framework.

The CIC Plan Retraite Evolutif allows you to optimise your remu-neration policy while controlling your expenses: designed to adapt to changes in your company and in the business cycle, it combines the advantages of the PERCO collective retirement savings plans and Article 83.

Financial engineering

From creation to expansion, growth through acquisitions and transmission, a business goes through a variety of complex financial, legal and accounting phases: CIC can help you at each of these key phases in your business’s future.

Service offer

Retail banking encompasses all the banking and specialist activities whose products are distributed through the network: life and property-casualty insurance, equipment operating and finance leasing, real estate leasing, factoring, fund management, employee savings plans and real estate.

Financing and capital markets: • financing encompasses credit facilities for large corporates

and institutional customers, specialized financing (export financing, project and asset financing, etc.), international operations and foreign branches;

• the capital markets activities, in their broadest sense, comprise customer and proprietary transactions involving interest rate instruments, foreign currencies and equities, including broker-age services through CM-CIC Securities.

Private banking provides expertise in asset management and estate planning to entrepreneurs and private investors. The private banking division operates at national and regional level under the CIC Banque Privée banner with 343 employees in 54 towns. It draws on the expertise of the group’s specialist subsidiaries in France and abroad.

Private equity comprises equity investments, M&A advisory services and financial and capital markets engineering. It is organised 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.

> The group’s activity is organised around four core businesses

4,462,041 customers including:

3,703,056 individuals

68,065 associations

580,066 self-employed professionals

110,853 corporates

20,779 employees*

2,108 branches in France

3 foreign branches, 36 representative offices and 30 private banking offices outside France

Data as at 31 December 2011

* Full-time equivalent

CIC profile

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

Activity of the regional banks

CIC Ouest

CIC Sud Ouest

CIC

6 avenue de Provence75009 Paris Tel: +33 (0)1 45 96 96 96www.cic.fr

Chairman and chief executive officer: Michel LucasDeputy chief operating officer: Alain FradinDirector of the retail banking network:Daniel BaalDirector of the corporate banking network:René Dangel

CIC Nord Ouest

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

Chairman and chief executive officer: Stelli PrémaorDeputy chief operating officers: Eric Cotte – Bernard Duval

CIC Ouest

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

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

CIC Est

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

Chairman and chief executive officer: Philippe VidalChief operating officers: Luc Dymarski – Pierre Jachez

CIC Lyonnaise de Banque

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

Chairman and chief executive officer: Rémy WeberDeputy chief operating officers: Isabelle Bourgade – Yves Manet

CIC (Greater Paris region)

Customers (1): 686,153

• individuals 571,897

• associations 11,101

• self-employed professionals 89,236

• corporates 13,919

ATMs 290

Customer loans 15,591

Customer deposits 15,102

Managed savings 10,431

CIC Ouest






ATMs 391




CIC Sud Ouest






ATMs 376




(1) including other customers

Data at 31 December, 2011; monthly average principal amounts in millions of euros

CIC Sud Ouest


CIC Est

CIC Ile-de-France

CIC Nord Ouest

CIC Sud Ouest

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

Chairman and chief operating officer: Jean-Jacques TamburiniChief operating officer: Pascale Ribault

CIC Nord Ouest






ATMs 338










ATMs 599




CIC Est

Customers (1): 1,010,979





ATMs 476




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:

Private bankingBanque de Luxembourg: 27.6%

Specialised 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%

Simplified organisation chart

100%

CICNord Ouest

CICOuest

CICEst

100%Retail banking

network

Privatebanking(1)

Privateequity

Specializedbusinesses

Sharedservices

companies

Insurance

CICLyonnaisede Banque

100%

CICSud Ouest

100%

Groupe desAssurances

du CréditMutuel

20.5%

100%

CM-CICCapitalFinance

EuroInformation

12.5%

GIECM-CICTitres

No capital

GIECM-CIC

Services

No capital

62.7%

DublyDouilhet

100%

Banque CIC

Suisse

100%

72.4%

Banque de Luxembourg

100%

CICBanque

Transatlantique

CIC PrivateBanking -

Banque Pasche

100%

CIC

CM-CICEpargneSalariale

CM-CICGestion

CM-CICAsset

Management

CM-CICAidexport

CM-CIC Factor (2)

CM-CICSecurities

95.5% 100%

100%23.5% 99.9%100%

CM-CIC Lease

54.1%

CM-CICBail

99.2%

The percentages indicated represent the percentage 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.

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

(2) CM-CIC Factor (formerly Factocic) absorbed CM-CIC Laviolette Financement on 2 January 2012.

FinancialAsset Management* • Bail* • Épargne Salariale*

Gestion* • Factor* • Securities* • Titres* • Aidexport*BECM • Sofémo • Filaction • ESN • Home Loan SFH*

TechnologyEuro Information • EID - EIP • EIS - Sicorfé • EP Surveillance

EIDS • ETS • Euro GDS • Euro P3C • Euro TVS EurAfric Information • IID / DPS • Keynectis • CardProcess

NRJ Mobile • Axxès • EP Services

InsuranceGACM • ACM Vie SAM • ACM Vie SA • Sérénis Vie • ACM IARD Sérénis Assurances • ACM Services • Partners • RACC Seguros

RMA Watanya • Astree • ICM Life • Procourtage

Real estateSarest* • Ataraxia* • SOPARIM* • SOFEDIM* • AFEDIM*

Gestion immobilière* • Lease CMH

Asset managementCIC Banque Privée • CIC Banque Transatlantique (France,

Luxembourg, Belgium, Singapore, Montreal) • Banque de Luxembourg CIC Suisse • Banque Pasche • Dubly Douilhet

Private equityCM-CIC Capital Finance • CM-CIC Investissement (SCR)

93%

6%

93%

5%

25%

100%

50%

20%

50%

51%

100%

100%

100%

100%

100%

100%

6.60%

50%

CIC Nord Ouest

CIC Est

CIC Ouest

CIC Sud Ouest


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 subsidiaries

Spain

France

Germany

United Kingdom

U.K.

Czech Republic

Slovakia

Hungary

Portugal

1

Luxembourg2

Switzerland3

Morocco

Tunisia

Belgium

Italy

1 CM-CIC Bail Belgique – BT Belgium Cofidis – Partners (Insurance)

2 Banque de Luxembourg – BT Luxembourg ICM Life (Insurance)

3 CIC Private Banking – Banque Pasche Banque CIC (Suisse)

The strength of an international group

Regional banks and local banks

Caisse Fédérale de Crédit Mutuel(Banks 82% – ACM 18%)

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

International and specialist network

International network

Europe

Germany

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

Christoph Platz-Baudin

Belgium and the Netherlands

CIC Banque Transatlantique Belgique Rue de Crayer, 141000 BrusselsTel: +32 2/554 18 90E-mail: [email protected]

Yolande van der Bruggen

Spain

Calle Marquès de la Ensenadan°2-328004 MadridTel: +34 91 310 32 81/82E-mail: [email protected]

Rafael Gonzalez-Ubeda

United Kingdom

Veritas House125 Finsbury PavementLondon EC2A IHXTel: +44 20 74 54 54 00

Ubaldo Bezoari

Greece

Vassileos Alexandrou 5-7 11528 Athens Tel: +30 210 72 22 531/541E-mail: [email protected]

Georges Anagnostopoulos

Hungary

Budapesti kepviseleti Iroda Fö utca 10 H-1011 Budapest Tel: +36 1 489 03 40E-mail: [email protected]

Kalman Marton

Italy

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

Luigi Caricato

Poland

Ul Stawki 2Intraco 29 p.00-193 WarsawTel: +48 22 860 65 01/02/03E-mail: [email protected]

Barbara Kucharczyk

Portugal

Avenida de Berna n°30, 3° A1050-042 Lisbon Tel: +351 21 790 68 43/44E-mail: [email protected]

Henrique Real

Czech Republic

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

Zdenka Stibalova

Romania

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

Adela Bota

Russian Federation - CIS

9, korp. 2A Kutuzovskiy prospektOffice 93-94121248 MoscowRussian Federation Tel: +7 495 974 12 44E-mail: [email protected]

Nikita Stepanchenko

Sweden and Scandinavia

Grev Magnigatan 6SE - 114.55 StockholmTel: +46 8 611 47 11E-mail: [email protected]

Martine Wahlström

Switzerland

29 avenue de Champel1211 Geneva 12 Tel: +41 22 839 35 06E-mail: [email protected]

Nadine Johnson

Turkey

Suleyman 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

Africa

Algeria

38 rue des Frères Benali (ex-Parmentier) Hydra16000 Algiers Tel: +213 21 60 15 55E-mail: [email protected]

Ahmed Mostefaoui

Egypt

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

Hussein M. Lotfy

Morocco

12 boulevard Brahim RoudaniRésidence Zeïna 1er étage - Appartement 10220000 CasablancaTel: +212 522 20 67 67/68 16E-mail: [email protected]

Mahmoud Belhoucine

Tunisia

Immeuble 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 East

United Arab Emirates

Dubaï-Al Wasl-Sheikh Zayed roadDubaï National Insurance Building1st floor - Office 106Po Box : 16732 DubaiUnited Arab Emirates Tel: +971 4 325 1559E-mail: [email protected]

Blanche Ammoun

Israel

Y.S. ConsultingBeit Hatasiya (Industry House)29, Hamered Street, 10th floor - Suite 1030POB 50156Tel-Aviv 61500 Tel: +972 3 517 22 71E-mail: [email protected]

Jacob Shtofman

Lebanon and Middle East

AchrafiehRue de l’Archevêque GhofrayelImmeuble Attar - rdc gaucheBeirut Tel: +961 1 216 320E-mail: [email protected]

Blanche Ammoun

Americas

Brazil

CIC Do BrasilRua Fidêncio Ramos, 22313 Andar - cj 132CEP 04551 - 010Sao Paulo SPTel: +55 11 3846 2212E-mail: [email protected]

Luiz Mendes de Almeida

Chile

Edificio World Trade Center SantiagoAv. Nueva Tajamar 481Torre Norte - Oficina 1401Las Condes - Santiago de ChileTel: +56 2 203 67 90E-mail: [email protected]

Sylvie Le Ny

United States

CIC520 Madison AvenueNew York, N.Y. 10022Tel: +1 212 715 44 00E-mail: [email protected]

Steve Francis

Mexico

Andrés Bello n° 45Piso 13ACol. Polanco 11560Mexico D.F.Tel: +52 55 52 80 83 73E-mail: [email protected]

Olivier Soulard

Venezuela

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

Pierre Roger

Asia

East China/Shanghai

Room 2005Shanghai Overseas Chinese MansionN° 129 Yan An Xi Road (w)Shanghai 200040 Tel: +86 21 62 49 66 90/69 27E-mail: [email protected]

Shan Hu

North China/Beijing

Room 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]

Wenlong Bian

South China/Hong Kong

22nd floor, Central Tower28 Queen’s Road CentralHong KongTel: +85 2 25 21 61 51E-mail: cichongkong@ cichongkong.com

Timothy Lo

South Korea

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

Isabelle Hahn

India

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

Mathieu Jouve Villard

Indonesia

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

Japan

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

Frédéric Laurent

Singapore

63 Market Street #15-01 floor Singapore 048942Tel: +65 65 36 60 08www.cic.com.sgE-mail: [email protected]

Jean-Luc Anglada

Taiwan

380 Lin-shen North Road10 F (101 room)TaipeiTel: +886 2 2543 26 62/63E-mail: [email protected]

Henri Wen

Thailand

496-502 Amarin Tower, 10th floorPloenchit road, LumpiniPathumwanBangkok 10330Tel: +66 2 305 6894E-mail: [email protected]

Abhawadee Devakula

Vietnam

c/o Openasia Consulting Limited6B Ton Duc Thang Street, 1st floorDistrict 1Hô Chi Minh City Tel: +848 391 05 029E-mail: [email protected]

Dai Tu Doan Viet

Oceania

Australia

Suite 1 503, Level 15 Chifley Tower2 Chifley SquareSydney NSW2000 AustraliaTel: +61 2 922 607 01E-mail: [email protected]

Lee Sutton

Specialist network

FrancePrivate Banking

CIC Banque Transatlantique26 avenue Franklin D.Roosevelt75008 ParisTel: +33 1 56 88 77 77www.banquetransatlantique.com

Chairman and Chief Executive Officer: Bruno Julien-LaferrièreDeputy Chief Operating Officer: Hubert Veltz

Private equity

CM-CIC Capital Finance4-6 rue Gaillon75002 ParisTel: +33 1 42 66 76 63 www.cmcic-capitalfinance.com

Antoine Jarmak – Pierre Tiers Carl Arnou

BelgiumPrivate Banking

Banque Transatlantique BelgiumRue De Crayer, 141000 BrusselsTel: +32 2 626 02 70E-mail: btb@ banquetransatlantique.be

Michel de Villenfagne

United KingdomPrivate Banking

CIC Banque Transatlantique

125 Finsbury PavementLondon EC2A IHXTel: +44 20 74 96 18 90E-mail: btlondres@ banquetransatlantique.com

Yves Pinsard

LuxembourgPrivate Banking

Banque de Luxembourg14 boulevard RoyalL 2449 LuxembourgTel: +35 2 49 92 41E-mail: [email protected]

Pierre Ahlborn – Philippe Vidal

Banque Transatlantique Luxembourg17 Côte d’Eich - BP 884L 2018 LuxembourgTel: +35 2 46 99 891E-mail: [email protected]

Didier Huard

SwitzerlandPrivate Banking

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

Christophe Mazurier

Banque CIC (Suisse) SA13 place du Marché4001 BaselTel: +41 61 264 12 00E-mail: [email protected]

Thomas Müller – Philippe Vidal

United StatesPrivate Banking

CIC Banque Transatlantique520 Madison AvenueNew York, N.Y. 10022Tel: +1 212 644 42 19E-mail: btnewyork@ banquetransatlantique.com

Pascal Le Coz

Hong KongPrivate Banking

CIC Banque Transatlantique22/F, Central Tower28 Queen’s Road CentralHong KongTel: +85 2 21 06 03 91E-mail: bthongkong@ banquetransatlantique.com

Juliette Michelon-Tang

CIC Investor Services Limited22nd floor, Central Tower28 Queen’s Road CentralHong KongTel: +85 2 21 06 03 88E-mail: [email protected]

Timothy Lo

SingaporePrivate Banking

CIC Banque Transatlantique63 Market Street #15-01Singapore 048942Tel: +65 62 31 98 80E-mail: btsingapour@ banquetransatlantique.com

Hervé Guinebert

CIC Singapore63 Market Street #15-01Singapore 048942Tel: +65 62 31 98 80www.cic.com.sgE-mail: [email protected]

Paul Kwek

CIC, a French limited company (société anonyme) with share capital of €608,439,888 – 6, avenue de Provence - 75009 Paris Swift CMCIFRPP – Tel: +33 1 45 96 96 96 – 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

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Documents

CIC · prospection insurance from Coface. Trade Services facilitates electronic exchanges relating to all documentary credits. Operating cycle Short-term credits, surety bonds, guarantees,