CONTENTS EVERYDAY BANKING MORTGAGES. INVESTMENTS Deposits 17 Securities 18 INDEX 19

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Julian Pearson
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2 0 0 CONTENTS Crédit Agricole Financements (Suisse) S.A. is committed to simplifying your everyday life with transparent prices and clear information regarding our services. Find out about all our personalised banking services which are competitively priced and guarantee you total confi dence in your bank. EVERYDAY BANKING Our packages 0, 0 Banking relationship 06 Foreign exchange transactions 06 Private account 07 Credit account 07 Savings accounts 08, 09 Savings package 09 Money transfers and e-banking 0 Cards and cheques, MORTGAGES Real estate Building Professional Consumer 6 Incident management 6 INVESTMENTS Deposits 7 Securities 8 INDEX 9 Valid from st April 0. Non-comprehensive and subject to changes in price.

3 EVERYDAY BANKING 0 OUR PACKAGES 0 CA EssenCiel CA Pack Horizon CA ActivPack Prices Individual CHF.00/month CHF 6.00/month Joint CHF 8.00/month CHF 9.00/month Prices Individual Joint CHF 8.00/month CHF.00/month Services Account management CHF current account CHF savings account Custody account - Additional account(s) Authorised overdraft - E-banking access to account information and money transfers E-banking access for managing securities - Transfers in Switzerland SEPA transfer per month included per month included Cards Maestro card subscription Main card Additional card CHF cash withdrawals from third-party cash dispensers in Switzerland Silver Mastercard 6 Gold Mastercard 6 for the joint package free withdrawals/ month included subscription for the first year Half-price subscription for the first year for the joint package free withdrawals/ month included subscription for the first year Half-price subscription for the first year Services Account management CHF current account CHF savings account Additional account(s) Authorised overdraft e-banking access to account information and money transfers Transfers in Switzerland Cards Maestro card subscription Main card Additional card CHF cash withdrawals from third-party cash dispensers in Switzerland Silver Mastercard 6 Gold Mastercard 6 of charge for the joint package free withdrawals/month for an individual ActivPack 0 free withdrawals/month for a joint ActivPack subscription for the first year Half-price subscription for the first year You benefit from the CA EssenCiel and CA Horizon packages being offered free of charge if your average balance is CHF 0,000 or above or if external contributions of CHF 0,000 or above are made to your current account(s). The average credit balance (current account(s), savings account(s) and time-deposit account(s)) for accounts held by the same customer must be greater than or equal to CHF 0,000 if it is calculated at the end of the month. The price of the package is charged in proportion to the number of days it is held based on the monthly rate. Authorised overdraft of CHF,000 included. One free SEPA transfer per month and per relationship. Unit pricing applies beyond this time limit. Unit pricing for withdrawals applies above these limits. 6 Offer valid under the conditions for granting a credit card, in accordance with the conditions stipulated by the bank (information available at your local branch). You benefit from the CA ActivPack being offered free of charge if your average balance is CHF 0,000 or above or if external contributions of CHF 0,000 or above are made to your current account(s). The average credit balance (current account(s), savings account(s) and time-deposit account(s)) for accounts held by the same customer must be greater than or equal to CHF 0,000 if it is calculated at the end of the month. The price of the package is charged in proportion to the number of days it is held based on the monthly rate. Authorised overdraft of CHF,000 included for an individual ActivPack and CHF,000 for a joint ActivPack. From the current account linked to the package. Unit pricing for withdrawals applies above these limits. 6 Offer valid under the conditions for granting a credit card, in accordance with the conditions stipulated by the bank (information available at your local branch).

4 06 BANKING RELATIONSHIP¹ PERSONAL ACCOUNT¹ 07 Avec Pack Hors Pack With package Without package Account management CHF 9.00/month Opening an account Account inactive for more than months CHF 0.00/year CHF 0.00/year Closing an account Research fees CHF 0.00/hour CHF 0.00/hour Overdraft Retained correspondence CHF 0.00/month CHF 0.00/month Processing fees in the event of an inheritance CHF 0.00/hour CHF 0.00/hour Termination of banking relationship CHF 0.00 CHF 0.00 Debit interest rate on authorised overdraft (Horizon and ActivPack packages) 8% p.a - Debit interest rate on unauthorised overdraft,% p.a,% p.a Statements Cash withdrawals over the counter By e-banking 6 CHF from a CHF account By courrier postal CHF.00/month CHF.00/month CHF, EUR, USD from an account held in a different currency Exchange rate for cash transactions Exchange rate for cash transactions Banking relationship: all the banking services provided to a customer. ² For all the accounts in a banking relationship. Account management is charged in proportion to the number of days the account is held based on the monthly rate. For any inquiry requested by the customer, min. CHF For each case of inheritance initiated min. CHF Subject to valid access to e-banking. Currency from an account held in the same currency Payments over the counter % of the amount, min. CHF 0.00 CHF from a CHF account % of the amount, min. CHF 0.00 CHF, EUR, USD from an account held in a different currency Exchange rate for cash transactions Exchange rate for cash transactions FOREIGN EXCHANGE TRANSACTIONS Currency from an account held in the same currency % of the amount, min. CHF 0.00 % of the amount, min. CHF 0.00 Foreign exchange transactions in cash CA Financements branches and cash dispensers Other transactions Exchange rates fixed every half-day Exchange rates fixed every half-hour + margin ¹ Available in CHF, EUR or USD. ² Rates may be revised at the bank s discretion. Quarterly deduction. Daily limit of CHF,000 or exchange value in EUR, 8h booking for higher sums. CREDIT ACCOUNT Price Service CHF 0.00/month The price of the package is charged in proportion to the number of days it is held based on the monthly rate. Costs for sending statements are included.

5 08 SAVINGS ACCOUNTS SAVINGS ACCOUNTS 09 Prices and conditions CA Junior Prices and conditions Currency CA myhome CHF Currency CHF and EUR Opening and closing an account Account management Interest bonus 0.% Opening and closing an account Compulsory initial payment CHF Withdrawal limit None Compulsory provision of account Interest limit Compulsory initial payment CHF 0, EUR 0, CHF or EUR Account freeze Withdrawal limit Withdrawal notice period None 9 The entire duration Account closed in the event of partial or total withdrawal CA Libre Epargne Interest bonus Interest doubled 0 Prices and conditions Currency Opening and closing an account Withdrawal limit CHF and EUR Withdrawal notice period months CHF 0,000.00/month EUR,000.00/month All our CHF savings accounts may be provisioned free of charge by in-payment form with a reference number, direct debit or standing order Special account for minors When the holder reaches the age of majority, the account automatically becomes a CA Libre Epargne account. account management until the customer s 9th birthday. The bank reserves the right to demand proof of withdrawal. If the limit is exceeded without giving the required notice, 0.% of the amount exceeding the limit will be deducted automatically per quarter. 6 The bonus applies only to the percentage above the threshold. 7 0.% is deducted automatically for any withdrawals during the first months. Withdrawals may be made free of charge months after the first payment. 8 If the limit is exceeded without giving the required notice, 0.% of the amount exceeding the limit will be deducted automatically every six months % will be deducted automatically in the event of any withdrawal (exceptions: consecutive years of saving or mortgage loan with CA Evolution Crédit Agricole Financements or a time-deposit account. 0 See conditions at your local branch. Prices and conditions Currency CHF SAVINGS PACKAGE Opening and closing an account CA Epargne Package Interest bonus 0.% on reaching each threshold 6 st threshold: From CHF 0, nd threshold: From CHF 0, rd threshold: From CHF 00, Prices Individual and joint CHF 0.00/month Services Account freeze months 7 Withdrawal limit CHF 00,000.00/year 8 Withdrawal notice period 6 months Account management CHF current account CA Libre Epargne account in CHF Additional savings account(s) You benefit from the package being offered free of charge if your average balance is CHF 0,000 and above. The average credit balance (current account(s), savings account(s) and time-deposit account(s)) for accounts held by the same customer must be greater than or equal to CHF 0,000 (calculated at the end of the month for the period). Any sums charged are accounted for monthly but shown only on the annual statement. The price of the package is charged in proportion to the number of days it is held based on the monthly rate.

6 0 MONEY TRANSFERS AND E-BANKING CARDS AND CHEQUES Payments over the counter With package Without package In Switzerland In CHF CHF.00 CHF.00 In EUR CHF.00 CHF.00 In USD CHF 0.00 CHF 0.00 Setting up a standing order CHF.00 CHF.00 Direct debit In other countries In CHF CHF 0.00 CHF 0.00 In EUR (SEPA conditions apply) free/month CHF.00 In EUR (without SEPA conditions) and other currencies CHF 0.00 CHF 0.00 Maestro card With package Without package Main card¹ CHF.0/month Additional card¹ CHF.0/month CHF.0/month Proof of payment request CHF 0.00 CHF 0.00 Blocked card CHF 0.00 CHF 0.00 Card replacement CHF 0.00 CHF 0.00 PIN number reissue CHF 0.00 CHF 0.00 CASH function Unloading At a cash dispenser At a branch CHF.00 CHF.00 E-banking payments With package Without package In Switzerland In CHF Gratuit CHF 0.0 In EUR CHF.0 CHF.0 In USD CHF.00 CHF.00 Setting up a standing order In other countries In CHF CHF.00 CHF.00 Payments CHF payments (in Switzerland) Payments abroad Third-party fees Third-party fees Cash withdrawals Crédit Agricole Financements cash dispenser CHF from a CHF account Currency from an account held in a different currency Exchange rate for cash transactions Exchange rate for cash transactions In EUR (SEPA conditions apply) free/month CHF.0 In EUR (without SEPA conditions) and other currencies CHF.00 CHF.00 E-banking With package Without package Access to account information and money CHF.00/month transfers Currency from an account in the same currency Other banks cash dispensers % of the amount, min. CHF 0.00 % of the amount, min. CHF 0.00 CHF in Switzerland to 0 free withdrawals/ CHF.00/withdrawal month depending on the package EUR in Switzerland EUR.0/withdrawal EUR.0/withdrawal Access to account information, money transfers and securities management,6 (Horizon package) CHF.00/month In other countries Third-party fees Third-party fees ¹ internally. SEPA payment conditions: EURO transaction/to a SEPA member bank/recipient s IBAN/recipient bank BIC/ Shared Costs option. List of SEPA member states: EU, EEA, CH. One SEPA payment by e-banking from the current account linked to the package per month. Excluding third-party expenses. The e-banking option is charged in proportion to the number of days the account is held based on the monthly rate. 6 Subject to opening a custody account.t The e-banking option is charged in proportion to the number of days the account is held based on the monthly rate. An additional card is free for the joint package. Beyond this time limit, the rate without a package applies.

7 LOANS CARDS AND CHEQUES REAL ESTATE LOANS Credit cards With package Without package Application fee Main card¹ Switzerland 0.% of the value of the loan¹ Silver in the first year² CHF France and Germany 0.0% of the value of the loan¹ Gold Half-price for the st year² CHF Consultancy fee² Additional card¹ st assessment Silver CHF.00 CHF.00 By Wüest & Partner CHF Gold CHF 0.00 CHF 0.00 Payments The rates for payment transactions are set by our partner Viseca. For information on all our rates, please consult your credit card agreement, on the Viseca website or call + (0) Ordinary (villa, condominium principled ownership, secondary residence) For a property valued > CHF M CHF CHF, min. For an investment property with fewer than 0 flats CHF,00.00 ¹ Annual subscription. Any card ordered in the course of a year will be charged pro rata based on the order date. ² After this time period, the rate without a package applies. For an investment property with more than 0 flats nd assessment CHF, to, (depending on the property) Early repayment Total or partial, on expiry of a mortgage period³ Cheques With package Without package Cheque issue (CHF, EUR) CHF 0.00 CHF 0.00 Cheque deposit subject to collection (CHF, EUR or USD only) (up to 8 cheques at once) Cheque deposit for collection (CHF, EUR or USD only) (up to 8 cheques at once for the same paying bank) CHF.00 CHF.00 CHF 7.00 CHF 7.00 Collection charges Third-party fees Third-party fees Additional cheque (from the 9th cheque) CHF.00 CHF.00 Total or partial, not on expiry of a mortgage period Penalty under contract For transferring to a competitor CHF Modifications Interest rate³ Simple amendment CHF 0.00 Complex amendment CHF to CHF,00.00 Release of mortgage CHF Charges for dishonoured cheques Third-party fees Third-party fees Collection method at the bank s discretion. ¹ Minimum CHF , maximum CHF, ² In Switzerland and Germany. ³ Where notice is given in accordance with the contract and no other changes are made to the loan. Example: insurance policy. Examples: changes to instalments, change of security, removing a spouse s/partner s name from the mortgage.

8 BUILDING LOANS PROFESSIONAL LOANS Application fee Application fee Switzerland 0.% of the value of the loan¹ Each application % of the value of the loan¹ France and Germany 0.0% of the value of the loan¹ Consultancy fee² Consultancy fee² st assessment st assessment Loan value lower than CHF 00, CHF By Wüest & Partner CHF Ordinary (villa, condominium principled ownership, secondary residence) CHF Loan value between CHF 00, and CHF 800, CHF Loan value above CHF 800, CHF For a property valued > CHF M CHF, min. nd assessment For an investment property with fewer than 0 flats CHF,00.00 For an investment property with more than 0 flats CHF, to, (depending on the property) Early repayment Total or partial, on expiry of a mortgage period³ Total or partial, not on expiry of a mortgage period Penalty under contract nd assessment For transferring to a competitor CHF Other charges Modifications Consolidation³ Interest rate³ Commitment fee (quarterly) 0.% Simple amendment CHF 0.00 Total early repayment at the borrower's initiative 0.7% Complex amendment CHF to CHF,00.00 Release of mortgage CHF ¹ Minimum CHF , maximum CHF, ² In Switzerland and Germany. ³ By Crédit Agricole Financements. ¹ Minimum CHF, maximum CHF, ² In Switzerland and Germany. ³ Where notice is given in accordance with the contract and no other changes are made to the loan. Example: insurance policy. Examples: removing a spouse s/partner s name from the mortgage, changes to instalments.

9 INVESTMENTS 6 CONSUMER LOANS DEPOSITS 7 Application fee Each application CHF Early repayment Total or partial¹ Time deposit¹ (up to months) Commission Time-deposit account¹, ( to 0 years) Opening of a time-deposit account Management of a time-deposit account Closure of a time-deposit account 0,0% p.a INCIDENT MANAGEMENT ¹ Available in CHF or EUR. Withdrawal penalties: the early repayment penalty is % for CHF investments and.% for EUR investments. This is an annual rate and applies for the remaining duration of the investment. WITH REGARD TO LOAN REPAYMENTS Reminder Reminder CHF 0.00 Reminder CHF Formal notification CHF Debit interest on unpaid instalments %² p.a. With regard to payments and failure to provide security Reminder CHF Fixed escrow Commission 0,0% p.a Administrative fees per escrow CHF 0.00 Available in CHF, EUR or USD. Invoiced at maturity of the escrow. ¹ Subject to one month s notice at all times. ² Rate may be revised at the bank s discretion.

10 8 SECURITIES Management Opening INDEX 9 Closure CHF 0.00 Entry of securities Exit of securities Brokerage fees Transaction in Switzerland, France, Germany and Italy CHF 0.00/line.0% (min. commission of CHF 7.00) Transaction in Great Britain.70% (min. commission of CHF.00) Custody fees 0.0 (CHF 0.00 minimum) Account,, 6, 7, 8, 9, 0,, 7 Account management,, 6, 9 Amendment, Application fee,,, 6 Assessment,, Banking relationship 6 Blocked card Brokerage 8 CASH Cash dispenser,, Cheque Closure 6, 7, 7, 8 Commission, 7, 8 Consolidation Credit,,,, 6 Credit cards,, Custody fees 8 Debit 7, 6 Deposit, 7 Direct debit 0 Early repayment,,, 6 E-banking,, 6, 8 Escrow 7 Formal notice 6 Foreign exchange 6, 7, Interest 7, 6 Interest rate 6, 7,,,, 6, 9 Maestro card,, Margin 6 Opening 7, 8, 9, 7, 8 Overdraft,, 7 Package,, 6, 7, 9, 0,, Payment,, 7, 9, 0,, 6 PIN Release of mortgage, Reminder 6 Replacement of card Savings 8,9 SEPA, 0 Security, 8 Standing order 0 Statement 6 Subscription,,, Time deposit account 7 Time deposit 7 Transfer, Unpaid instalments 6 Withdrawal, 7, ¹ By e-banking only. Fees deducted by third parties are included. Deducted quarterly, based on the average month-end valuation.

11 OUR BRANCHES 0 Geneva Rive Rue du Rhône, Genève Tel.: + (0) Geneva Cornavin Rue Chantepoulet, 0 Geneva Tel.: + (0) Geneva Plainpalais Boulevard des Philosophes, 0 Geneva Tel.: + (0) Lausanne Avenue du Théâtre, 7 00 Lausanne Tel.: + (0) La Chaux-de-Fonds Rue Daniel-Jeanrichard, 7 00 La Chaux-de-Fonds Tel.: + (0) 90 9 Neuchâtel Rue Saint-Maurice, 000 Neuchâtel Tel.: + (0) 7 08 Helpline + (0) Monday to Friday, 8.00 a.m. to.0 p.m. My Support Credit + (0) Monday to Friday, 9.00 a.m. to.00 a.m./.00 p.m. to.00 p.m. mysupportcredit@ca-fi nancements.ch Website nancements.ch Contact To contact your closest branch + (0) Yverdon-les-Bains Rue du Milieu, 00 Yverdon-les-Bains Tel.: + (0) Fribourg Boulevard de Pérolles, Fribourg Tel.: + (0) Basel Aeschengraben, 00 Basel Tel.: + (0)

Retail customers Main banking fees as of 1 January, 2019

Retail customers Main banking fees as of 1 January, 2019 Table of content 1. Current accounts... 4 2. Payments... 5 2.1. Credit transfers - Outgoing... 5 2.2. Credit transfers - Incoming... 5 2.3. Value