CIC. in brief edition

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2 0 1 1 e d i t i o n

www.cic.fr

CIC

in brief

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CIC remains close to its clientele of retail

customers, associations, professional and

corporate clients by constantly upgrading

and expanding its branch network. Forty-four

new branches were created in 2010.

It also 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, and more recently, Internet and

Smartphone applications).

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 clients 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 clients.

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3,635,585

individuals

CIC strives to provide the best possible service by listening to its clients’ needs, making the right expertise available, responsive teams and 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 Personnel, include a service pack-age: 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 guar-antees and some cards offer the Différé plus option, providing for payment in instalments.

With a ‘cash reserve’ (Crédit en Réserve and Allure Libre) or a personal loan, you are equipped to face any unforeseen expenses or impulse purchases.

Financing your 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 repairs, CIC offers a wide 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 insurance offer spans health, personal protection and retirement. The Prévoyance Santé solution covers your family against medical expenses not covered by the State social secu-rity system.

Building your capital and preparing the future

The bank offers a range of flexible savings solutions, divided into six themes to respond to each client’s savings objectives: safety-net savings, building capital, increasing capital, top-up income, tax optimisation and transmission of assets.

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.

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: Carte Avance Santé for paying medical expenses; mobile telephone services for monitoring your accounts and, in the near future, paying for your purchases in shops; Protection Vol CIC (remote home surveillance); Web Conso, an online consumer credit facil-ity, and more.

The range of telephone service packages has been further extended with the addition of the Ultimate and Premier Intégral Smartphone solutions.

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623,499

self-employed

professionals and associations

The bank has opted for a dual approach when advising its clientele of trades people, self-employed and independent professionals, farmers and associations: first, a global approach covering both professional and personal aspects, as all entre-preneurs need to look after their businesses and their families and prepare the future from solid bases; and, second, an offer of ‘tailored’ solutions to meet specific needs.

Services

Managing accounts, receipts and payments, remunerating cash assets, 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 in a flat fee.

CIC has developed several innovative services in the area of flow processing: electronic handling of doctors’ social security forms ensuring 100% banking reconciliation; a healthcare electronic payment package favouring 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 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 ideally-suited financing options for starting a business, such as the subsidised business creation loan (PCE) and Créacic, a financing solution for business rescuers restarting a business. Self-employed clients can avail themselves of services adapted to their situation, such as a payment card for professional expenses, non-life 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. For your equipment and production materials purchases, your relationship manager can provide you with an exhaustive range of solutions 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 Management

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

Profit sharing, incentive schemes and employee savings plans (PEE and PEI) offer the possibility of de-taxing part of your remuneration and that of your employees, also providing a means of 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.

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110,461

corporates

CIC’s specialists are at the service of businesses of all sizes: available and responsive, they can draw on the rich offering, capacity for innovation and skill centres of the Crédit Mutuel-CIC Group.

Its relationship managers have extensive expertise spanning flow and cash management, international, operating cycle, invest-ment plus social and financial engineering.

Flow management

Cutting-edge technology in electronic payment and remote banking services to handle receipts, payments, management and security of financial flows and optimise surplus cash. The end of ETEBAC is forcing businesses to overhaul their data exchange systems with the banks. Filbanque Hub Transferts (a system of identification by smart card, with strong user authentication) offers a comprehensive file management solu-tion and confirms Crédit Mutuel-CIC’s capacity to develop inno-vative connectivity services adapted to businesses’ different types of organisation. Businesses can choose any type of proto-col – HTTPS, EBICS T, EBICS TS – accompanied by an interoper-able SWIFTNet signature certificate.

Cash management

In particular, the bank markets secure, guaranteed fixed-rate products – CDN, CAT, or CIC Acti-Trésorerie – and Libre-Arbitre, a series of structured investments which can also benefit from a capital guarantee.

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 exchange relating to all documentary credits.

Operating cycle

Short-term credit, surety bonds, guarantees, factoring, receiva-bles assignment (Dailly), etc. offer numerous solutions to finance your operating cycle.

With the CIC InfoRisk information service and credit insurance via the Factocic 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 leasing and finance leasing solutions.

Social engineering

An offer comprising all aspects of deferred collective remunera-tion (profit sharing, incentive schemes and employee savings plans) and group insurance cover (retirement indemnities, schemes under Art. 39/83 of the French General Tax Code, health and personal insurance) in an advantageous tax framework.

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.

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Retail banking

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

Financing and capital markets:

• financing covers the financing of large corporate and institu-tional clients, value-added financing (project and asset financ-ing, export financfinanc-ing, etc.), international operations and foreign branches;

• the capital markets activities, in their broadest sense, comprise transactions in interest rate instruments, foreign currencies and equities, whether on behalf of clients or on the bank’s own account, including brokerage 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 through a network of 57 specialised private banking branches with 352 employees. 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. CIC is one of the leading players in this segment in France outside the Paris region.

On January 1, 2011, the entities engaged in private equity activi-ties (CIC Finance, CIC Investissement, CIC Banque de Vizille and IPO) were grouped under CM-CIC Capital Finance.

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The Group’s activity

is organised around four core

businesses

4,369,747 clients including:

3,635,585

individuals

66,451

associations

557,048

self-employed professionals

110,461

corporates

20,611 employees

2,117

branches in France

3 foreign branches and

36 representative offices

Data as at December 31, 2010

CIC

profile

CIC is the holding company and network bank for the Paris region that comprises

five regional banks and subsidiaries specialised in all finance and insurance business lines

in France and abroad.

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Activity

of the regional banks

CIC Ouest

CIC Sud Ouest

CIC

6 avenue de Provence 75009 Paris

Tel: +33 (0)1 45 96 96 96 www.cic.fr

Chairman of the Supervisory Board: Etienne Pflimlin

President of the Executive Board: Michel Lucas

Vice-President of the Executive Board: Alain Fradin

Members of the Executive Board: Michel Michenko

Jean-Jacques Tamburini Philippe Vidal – Rémy Weber

CIC Nord Ouest

33 avenue Le Corbusier 59800 Lille

Tel: +33 (0)3 20 12 64 64 www.cic.fr

Chairman and Chief Executive Officer: Stelli Prémaor

Deputy 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-Valentin 67000 Strasbourg Tel: +33 (0)3 88 37 61 23 www.cic.fr

Chairman and Chief Executive Officer: Philippe Vidal

Chief Operating Officers: Luc Dymarski – Pierre Jachez

Deputy Chief Operating Officer: Thierry Marois

CIC Lyonnaise de Banque

8 rue de la République 69001 Lyon

Tel: +33 (0)4 78 92 02 12 www.cic.fr

Chairman and Chief Executive Officer: Rémy Wéber Deputy Chief Operating Officers:

Isabelle Bourgade – Yves Manet

CIC (Greater Paris Region)

Clients (1)_: _667,853 • individuals 558,811 • associations 10,808 • self-employed professionals 84,574 • corporates 13,600 ATMs 290 Customer loans 15,096 Customer deposits 12,870 Managed savings 11,116

CIC Ouest

CIC Sud Ouest

(1) including other clients

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CIC Sud Ouest

CIC Lyonnaise de Banque CIC Est CIC

Ile-de-France CIC Nord Ouest

CIC Sud Ouest

Cité Mondiale 20 quai des Chartrons 33058 Bordeaux Cedex Tel: +33 (0)5 57 85 55 00 www.cic.fr

Chairman and Chief Executive Officer: Jean-Jacques Tamburini

Chief Operating Officer: Pascale Ribault Deputy Chief Operating Officer: Jean-François Lagraulet

CIC Nord Ouest

CIC Lyonnaise de Banque

CIC Est

Clients (1)_: _1,004,242 • individuals 851,255 • associations 14,289 • self-employed professionals 116,859 • corporates 21,805 ATMs 462 Customer loans 20,924 Customer deposits 12,529 Managed savings 11,521

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CIC comprises:

• CIC (Crédit Industriel et Commercial), the holding company and head of the bank network, which also acts as the regional bank for the Greater Paris region and through which investment, financing and capital markets activities are carried out;

• five regional banks, each of which serves a clearly defined region; • specialist entities and service companies serving the whole group. As at December 31, 2010, CIC’s shareholding structure was as follows:

- BFCM (Banque Fédérative du Crédit Mutuel): 72.48% and Ventadour Investissement: 19.48%, representing a total interest of 91.96% for Crédit Mutuel Centre Est Europe;

- Caisse Centrale du Crédit Mutuel: 1.01%; - Crédit Mutuel Nord Europe: 0.99%; - Banca Popolare di Milano: 0.93%; - Crédit Mutuel Océan: 0.70%; - Crédit Mutuel Arkéa: 0.69%;

- Crédit Mutuel Maine-Anjou, Basse-Normandie: 0.67%; - Crédit Mutuel du Centre: 0.58%;

- Crédit Mutuel Loire-Atlantique et Centre-Ouest: 0.36%; - Crédit Mutuel Normandie: 0.07%;

- Treasury Stock: 0.60%;

- Present and former employees: 0.27%.

The remaining 1.17% of shares are held by the public.

Crédit Mutuel shareholdings by business: Private banking

Banque Transatlantique Luxembourg: 40% Banque de Luxembourg: 27.6%

Specialized businesses

CM-CIC Asset Management: 76.4% CM-CIC Bail: 0.8%

CM-CIC Lease: 45.9% Factocic: 15%

CM-CIC Agence immobilière: 51.3% CM-CIC Participations immobilières: 51.7%

Insurance

Groupe des Assurances du Crédit Mutuel: 79.5%

Shared services companies

Euro Information: 87.5%

Simplified

organization chart

100% CIC Nord Ouest CIC Ouest CIC Est 100% Banking network Private banking(1) Private equity Specialized businesses Shared services companies Insurance CIC Lyonnaise de Banque 100% CIC Sud Ouest 100% Groupe des Assurances du Crédit Mutuel 20.5% 97.7% CIC Banque de Vizille 100% CIC Finance 100% IPO Euro Information 12.5% GIE CM-CIC Titres No capital GIE CM-CIC Services No capital 62.7% Dubly Douilhet 100% Banque CIC Suisse 100% 72.4% Banque de Luxembourg 100% CIC Banque Transatlantique CIC Private Banking -Banque Pasche 100%

CIC

CM-CIC Epargne Salariale CM-CIC Gestion CM-CIC Asset Management CM-CIC Laviolette Financement Factocic CM-CIC Securities 85% 100% 100% 23.5% 100% 99.9% CM-CIC Lease 54.1% CM-CIC Bail 99.2% CM-CIC Aidexport 100% CM-CIC Agence immobilière 48.7% CM-CIC Participations immobilières 48.3%

The percentages indicate the portion of the entity controlled by CIC as defined under article L.233-3 of the French Commercial Code (Code de Commerce). The companies not controlled by CIC, i.e., where ownership is less than 50%, are jointly owned by Crédit Mutuel, as detailed opposite. They are therefore controlled by the Crédit Mutuel-CIC group in accordance with the terms of the same article of the French Commercial Code.

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

Financial

Asset Management* • Bail* • Covered Bonds* Épargne salariale* • Gestion* • Laviolette Financement*

Securities* • Titres* • Sofémo • Factocic • BECM • ESN

Technology

Euro Information • EID - EIP • EIS - Sicorfé • EPS • EIDS ETS • Euro GDS • Euro P3C • Euro TVS • EurAfric Information

IID / DPS • Keynectis • CardProcess • NRJ Mobile • Axxès

Insurance

GACM • ACM Vie SAM • ACM Vie SA • Sérénis Vie • ACM IARD Sérénis Assurances • ACM Services Partners • ICM Life • ICM Ré

Procourtage • RACC Seguros • RMA Watanya • Astree

Real estate

Agence Immobilière* • Lease* • Participation Immobilière* Aménagement foncier • Réalisations immobilières • CMH

Asset management

CIC Banque Transatlantique • BT Luxembourg • BT Belgium Transatlantique Gestion • Banque de Luxembourg • Banque CIC Suisse

Banque Pasche • Dubly Douilhet • CIC Banque Privée

Private equity

CM-CIC Capital Finance

95% 92.3% 100% 100% 51% 50% 20% 25% 5% 50% 100% 100% 100% 100% 4.99% 50% 100% Caisse Fédérale de Crédit Mutuel (Banks 80% – ACM 20%)

CIC Nord Ouest CIC Est CIC Ouest CIC Sud Ouest CIC Lyonnaise de Banque Banca Popolare di Milano

Targobank CIC Iberbanco Cofidis Banque Casino Banque de Tunisie BMCE Bank Banco Popular BPH 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 Centre Ouest; Normandie; Centre; Méditerranéen. * CM-CIC subsidiaries Spain France Germany United Kingdom Czech Republic Slovakia Hungary Portugal 1 Luxembourg 2 Switzerland 3 Morocco Tunisia Belgium Italy

1 Cofidis – BT Belgium 2 Banque de Luxembourg – BT Luxembourg 3 Banque CIC Suisse

The strength

of an international Group

Caisses de Crédit Mutuel

Centre Est Europe Sud Est Île-de-France Savoie-Mont Blanc

Midi Atlantique Dauphiné Vivarais Loire Atlantique Centre Ouest

Normandie Centre Méditerranéen

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International

and specialist network

International network

Europe Germany Wilhelm-Leuschner Strasse 9-11 D 60329 Frankfurt am Main Tel: +49 69 97 14 61 01 E-mail: [email protected] Christoph Platz-Baudin

Belgium and the Netherlands

Banque Transatlantique Belgique Rue de Crayer, 14

1000 Brussels Tel: +32 2/554 18 90

E-mail: [email protected] Yolande van der Bruggen

Spain

Calle Marquès de la Ensenada n°2-3 28004 Madrid Tel: +34 91 310 32 81/82 E-mail: [email protected] Rafael Gonzalez-Ubeda United Kingdom Veritas House 125 Finsbury Pavement London EC2A IHX Tel: +44 20 74 54 54 00 Ubaldo Bezoari Greece Vassileos Alexandrou 5-7 11528 Athens Tel: +30 210 72 22 531/541 E-mail: [email protected] Georges Anagnostopoulos Hungary

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

Corso di Porta Vittoria, 29 20122 Milan Tel: +39 02 55 19 62 42 E-mail: [email protected] Luigi Caricato Poland Ul Stawki 2 Intraco 29 p. 00-193 Warszawa Tel: +48 22 860 65 01/02/03 E-mail: [email protected] Barbara Kucharczyk Portugal Avenida de Berna n°30, 3° A 1050-042 Lisbon Tel: +351 21 790 68 43/44 E-mail: [email protected] Henrique Real Czech Republic Mala Stepanska 9 12000 Prague CZ Tel: +420 2 24 91 93 98 E-mail: [email protected] Zdenka Stibalova Romania Str. Herastrau nr.1, etaj 2 Apt. 6, Sector 1 011981 Bucharest Tel: +40 21 203 80 83 E-mail: [email protected] Adela Bota

Russian Federation - CIS

9, korp. 2A Kutuzovskiy prospekt Office 93-94 121248 Moscow Russian Federation Tel: +7 495 974 12 44 E-mail: [email protected] Nikita Stepanchenko

Sweden and Scandinavia

Grev Magnigatan 6 SE - 114.55 Stockholm Tel: +46 8 611 47 11 E-mail: [email protected] Martine Wahlström Switzerland 29 Avenue de Champel 1211 Geneva 12 Tel: +41 22 839 35 06 E-mail: [email protected] Nadine Johnson Turkey

Suleyman Seba Cad. N° 48 BJK Plaza A Blok K:4 D:41 Akaretler 34357 Besiktas Istanbul Tel: +90 212 227 67 39 E-mail: [email protected] Mehmet Bazyar Africa Algeria

38 Rue des Frères Benali (formerly Parmentier) Hydra 16000 Algiers Tel: +213 21 60 15 55 E-mail: [email protected] Ahmed Mostefaoui Egypt 28 Rue Cherif Cairo 11-111 Tel: +20 2 23 93 60 45 E-mail: [email protected] Hussein M. Lotfy Morocco

12 boulevard Brahim Roudani Résidence Zeïna 1er_{étage appartement 102} 20000 Casablanca Tel: +212 5 22 20 67 67/68 16 E-mail: [email protected] Mahmoud Belhoucine Tunisia

Immeuble Carthage Center Rue du Lac de Constance 1053 Les Berges du Lac - Tunis Tel: +216 71 96 23 33/96 30 78 E-mail: [email protected] Emna Ben Amor – Dimassi

Middle East

United Arab Emirates

Dubai-Al Wasl-Sheikh Zayed Road Dubai National Insurance Building 1st_{floor- Office 106} PO Box 16732 Dubai Tel: +971 4 325 1558 E-mail: [email protected] Blanche Ammoun Israel Y.S. Consulting

Beit Hatasiya (Industry House) 29, Hamered Street, Suite 1028 POB 50156

Tel Aviv 61500 Tel: +972 3 517 22 71 E-mail: [email protected] Jacob Shtofman

Lebanon and Middle East

Achrafieh Rue de La Sagesse Sagesse Building 754 8th_floor Beirut Tel: +961 1 56 04 50 E-mail: [email protected] Blanche Ammoun Americas Brazil CIC Do Brasil

Rua Fidêncio Ramos, 223 13 Andar - cj 132 CEP 04551 - 010 Sao Paulo SP Tel: +55 11 3846 2212

E-mail: [email protected] Luiz Mendes de Almeida

Chile

Edificio World Trade Center Santiago

Av. Nueva Tajamar 481 Torre Norte - Oficina 1401 Las Condes - Santiago de Chile Tel: +56 2 203 67 90 E-mail: [email protected] Sylvie Le Ny United States CIC 520 Madison Avenue New York, N.Y. 10022 Tel: +1 212 715 44 00 E-mail: [email protected] Steve Francis

Mexico

Andrés Bello No. 45 Piso 13A

Col. Polanco 11560 Mexico D.F.

Tel: +52 55 52 80 83 73 E-mail: [email protected] Santiago de Leon Trevino

Venezuela

Centro Plaza - Torre A - Piso 12 Oficina 1

Avenida Francisco de Miranda Caracas

Postal address: Apartado Postal 60583 Caracas 1060

Tel: +58 212 285 45 85/286 25 03 E-mail:

[email protected] Pierre Roger

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Asia

East China/Shanghai

Room 2005

Shanghai Overseas Chinese Mansion

No. 129 Yan An Xi Road (w) Shanghai 200040 Tel: +86 21 62 49 66 90/69 27 E-mail: [email protected] Shan Hu North China/Beijing

Room 310, Tower 1, Bright China Chang An Building

N° 7 Jianguomennei Dajie Dong Cheng District Beijing 100005 P.R. Tel: +86 10 65 10 21 67/68 E-mail: [email protected] Wenlong Bian

South China/Hong Kong

22nd_{Floor, Central Tower}

28 Queen’s Road Central Hong Kong

Tel: +85 2 25 21 61 51

E-mail: [email protected] David Ting

South Korea

Samsug Marchen House 601 Il-San-Dong-Ku Jang-Hang-Dong-2-Dong 752 Goyang 410-837 South Korea Tel: +82 31 901 1225 E-mail: [email protected] Isabelle Hahn India

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

Indonesia

Wisma Pondok Indah 2, Suite 1709

Jalan Sultan Iskandar Muda Pondok Indah Kav. V-TA Jakarta Selatan 12310 Tel: +62 21 765 41 08/09 E-mail: [email protected] Alain-Pierre Mignon

Japan

Sun Mall Crest 301 1-19-10 Shinjuku Shinjuku-ku Tokyo 160 - 0022 Tel: +81 3 32 26 42 11 E-mail: [email protected] Frédéric Laurent Singapore 63 Market Street #15-01 Singapore 048942 Tel: +65 65 36 60 08 www.cic.com.sg E-mail: [email protected] Jean-Luc Anglada Taiwan

380 Lin-shen North Road 10 F (101 room) Taipei Tel: +886 2 2543 26 62/63 E-mail: [email protected] Henri Wen Thailand 496-502 Amarin Tower, 10th_floor

Ploenchit road, Lumpini Pathumwan Bangkok 10330 Tel: +662 305 6894 E-mail: [email protected] Abhawadee Devakula Vietnam

c/o Openasia Consulting Limited 6B Ton Duc Thang Street, 1st_Floor

District 1 Hô Chi Minh City Tel: +848 910 50 29 E-mail:

[email protected] Dai Tu Doan Viet

Oceania

Australia

Level 31 ABN Amro Tower 88 Philip Street Sydney 2000 Australia Tel: +612 8211 27 20 E-mail: [email protected] Lee Sutton

Specialist network

France Private banking

CIC Banque Transatlantique

26 Avenue Franklin D. Roosevelt 75008 Paris

Tel: +33 1 56 88 77 77 www.banquetransatlantique.com Chairman and Chief Executive Officer: Bruno Julien-Laferrière Deputy Chief Operating Officer: Hubert Veltz

Private equity

CM-CIC Capital Finance

4-6 Rue Gaillon 75002 Paris Tel: +33 1 42 66 76 63

Sidney Cabessa – Antoine Jarmak Pierre Tiers – Carl Amou

Belgium Private banking Banque Transatlantique Belgium Rue De Crayer, 14 1000 Brussels Tel: +32 2 626 02 70 E-mail: devillmi@ banquetransatlantique.be Michel de Villenfagne United Kingdom Private banking 125 Finsbury Pavement London EC2A IHX Tel: +44 20 74 96 18 90 E-mail: btlondres@ banquetransatlantique.com Yves Pinsard Luxembourg Private banking Banque de Luxembourg 14 Boulevard Royal L 2449 Luxembourg Tel: +352 49 92 41 E-mail: [email protected] Pierre Ahlborn – Philippe Vidal

Banque Transatlantique Luxembourg 17 Côte d’Eich - BP 884 L 2018 Luxembourg Tel: +352 46 99 891 E-mail: [email protected] Daniel Schaerer Switzerland Private banking

CIC Private Banking- Banque Pasche 10 Rue de Hollande Case Postale 5760 1211 Geneva 11 Tel: +41 22 818 82 22 E-mail: [email protected] Christophe Mazurier

Banque CIC (Suisse) SA

13 Place du Marché 4001 Basle Tel: +41 61 264 12 00 E-mail: [email protected]

Thomas Muller – Philippe Vidal

United States Private banking

520 Madison Avenue New York, N.Y. 10022 Tel: +1 212 644 42 19 E-mail: lecozpc@ banquetransatlantique.com Pascal Le Coz Hong Kong Private banking

CIC Investor Services Limited

22nd_{Floor, Central Tower}

28 Queen’s Road Central Hong Kong Tel: +85 2 21 06 03 88 E-mail: [email protected] Timothy Lo Singapore Private banking

CIC Banque Transatlantique

63 Market Street #15-01 Singapore 048942 Tel: +65 62 31 98 80 www.banquetransatlantique.com E-mail: [email protected] Hervé Guinebert CIC Singapore 63 Market Street #15-01 Singapore 048942 Tel: +65 62 31 98 80 www.cic.com.sg E-mail: [email protected] Paul Kwek

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CIC, a French limited company (société anonyme) with an Executive Board and a Supervisory Board and share capital of €608,439,888 6 avenue de Provence, 75009 Paris – Tel: +33 (0) 1 45 96 96 96 – Fax: +33 (0)1 45 96 96 66 – Telex: 688314 CICP – swift cmcifrpp

Bank governed by Article L.511-1 of the French Monetary and Financial Code – Registered in the Paris Trade and Companies Register under No. 542 016 381 Postal address: 75452 Paris Cedex 09

www.cic.fr

May 2011 - Photos: Caroline Doutre