Our business, protect you and your projects

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CACI

Our business,

protect you and your projects

Caci (Crédit Agricole Creditor Insurance), Crédit Agricole Assurances’ subsidiary specialised in Creditor

Protection Insurance (CPI), is a leading player in France and Europe, with 28 partners in 11 countries.

Through its success enjoyed with its long-term partners (consumer finance institutions), Caci has

extended its expertise to retail banks and entered into pan-European partnerships. In addition to CPI,

Caci is currently developing a “Financial Protection” product range thanks to its proven operational

track-record.

No.3

In FrAnCE FOr CPI

No.4

In THE EUrOPEAn CPI MArKET

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Our governance

Yves Nanquette

Chairman of Caci’s Board of Directors & CEO of LCL

From left to right

Marc Vidal

Chief Financial Officer

Olivier Mélennec

Head of Irish companies

Jean-Pierre Paumier

Head of General Affairs

Hugues Hénin

Head of Business Development for Italy,

Spain and Germany

Henri Le Bihan

Chief Executive Officer

David Atkinson

Head of Operations

Alain Roussel

Head of Business Development and Marketing

EXECUTIVE COMMITTEE

At 31 March 2012

2011 key figures

4 key dates for Caci

2009

Caci offering

extended to

the LCL network.

2008

Creation of Caci.

Launch of a partnership

with FGA Capital

(joint

venture between Fiat Group

Automobiles and CACF, part

of Crédit Agricole).

2010

Opening of

branches in Italy.

2011

Decision of CreditPlus

to launch a GAP

product with Caci.

4 key figures for Caci

At end 2011

28

partners

premium income of

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Caci’s product range covers the major part of its partners and end-customers’

commitments (credit instalments, bills, etc.) against risks such as death,

disability and involuntary unemployment:

Our product range

GAP (GUArAnTEED

AUTOMOBILE

PrOTECTIOn)

is a complementary cover protecting the vehicle in the event of total destruction or theft

CArD AnD GOODS

protect the cards and its use, together with purchases made in the event of theft,

damage and breakdown

ACCIDEnT AnD HEALTH

(InDIVIDUAL PrOTECTIOn)

protect the end-customers and their families from the financial consequences of a serious personal life event (death, hospitalization, injury, etc.)

BUDGET

PrOTECTIOn

is a comprehensive and diversified offer, providing help to the insured in his daily consumption and expenses in the event of a serious difficulty (disability, etc.)

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aims at protecting the loan in the event of disability, involuntary

unemployment, etc.

CREDITOR

PROTECTION

INsuRANCE (CPI)

Caci Holding’s registered

office

is located in Paris

Insurance companies

in Dublin and Lille

Branches

in Milan and Paris

Teams operating out of

the 5 different offices

OUr OrGAnISATIOn

Two full-scale management platforms:

Lille :

a platform for managing policies and claims

on behalf of Finaref and LCL

Dublin :

a pan-European management platform for our

partners operating under the Freedom Of Services (the

principle of FOS allows an approved insurance company in

one EU member state to offer its services to all EU member

states without having to be established in each country)

specialised teams dedicated

to

Caci’s development

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Our partners

Caci has set up many partnerships in different sectors:

Retail banking:

Cariparma/FriulAdria/Carispezia, LCL,

Crédit Agricole Bank Polska

Consumer finance and leasing institutions:

Crédit Agricole Consumer Finance France

(and their credit partners), CreditPlus, Agos Ducato,

Credibom, Finaref nordic, redcats nordic, Dan Aktiv,

CA Leasing, Lukas Finanse, etc.

Automotive captive finance companies:

FGA Capital

Non-group partners:

Endesa, Orange, etc.

PortugaL

Based on Caci know-how in other markets, on a customer-centric approach and teamwork with Credibom, Caci has the ability to develop and adapt products to the Portuguese Market in competitive conditions and quick time to market.

Rui Ramos santos Head of Customer Direction PoLaND

Caci is one of our strategic partners, delivering measurable results for us while demonstrating the ability to work across all insurance business development disciplines as well as providing excellent customer service. Co-operation with Caci characterized out-of-the-box thinking, and problem solving approach with vision but applying meticulous attention to details to create the best value for our customers.

Kazimierz Fedak Director of Insurance and Investment Funds Department Crédit Agricole Bank Polska FraNce

By replacing historical and traditional partners with Caci, LCL has chosen to combine service quality, innovation and proactivity. After two years of working with Caci, results have exceeded our expectations.

Michel Morel Head of retail Markets

The speed with which our partnership with Caci has developed has much to do with the advantages that it has given our business: deep commitment to and understanding of our business, product innovation, which enabled us to expand and improve our offer, and technical and legal expertise. Working with an expert as reliable and innovative as Caci is a true advantage. Jean-Gaston de Lassus

Director of Insurance and Credit Brokerage Development gerMaNY

We have been working with Caci since 2004 and appreciate it as a partner being open to innovative ideas and is prepared to offer individual service and advice according to our needs.

Jan Wagner CEO

ItaLY

FGA Capital and Caci is a partnership constantly endeavouring to reach success and innovation. As a partner, Caci is able to translate its international experience into local expertise.

Valerio santarelli, Insurance Manager

We consider Caci to be a key strategic partner in the development of our insurance business: the proactivity and flexibility of its approach make Caci one of the best companies we have ever worked with.

Flavio salvischiani Head of direct clients and insurance

Caci represents a true asset for us in terms of experience and professionalism in the protection market.

Carmine Paolantonio Head of Bancassurance

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A structure that can be adapted to different markets

(Freedom Of Services or freedom of establishment)

Advantages of the FOS principle:

Flexibility

rapid offer implementation

Multi-skilled centres

CACI’s strengths

For Caci, partnerships are built around:

Our partner’s strategy

revenue and net income optimisation

The most comprehensive and efficient protection

possible for end-customers

Caci’s partners therefore benefit from:

Tailor-made products

Caci’s pan-European expertise

For LCL CPI

For Cariparma Sipuò’s offering

Practical expertise in the actuarial, legal and marketing fields in the

European market Creation and development of global partnerships A full-scale platform delivering high-quality service An innovative, tailor-made approach that reflects our

partners’ needs

Coordinated management of partnerships

Teams located in the 3 major European

markets In-depth knowledge of

our partners’ business

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CACI

CACI-FORM

French société anonyme with capital

of 84,452,080 euros

385 254 297 rCS Paris

REGIsTERED OFFICE

16, boulevard de Vaugirard

75724 PArIS CEDEX 15

CRÉDIT AGRICOLE AssuRANCEs GROuP IN FIGuREs

(at 31 December 2011)

25.2 billion euros in premium income

221.5 billion euros of assets under management

3,500 employees

FIND OuT MORE

www.ca-assurances.com

scan the flash code

and download the

application to your

smartphone.

CAA C orporat e communication division – – Ma y 2012 - Pictur e cr

edit : Hervé Thour

Figure

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