CACI. No.3. No.4. Our business, Creditor Insurance OUR ORGANISATION

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1 Our business, Creditor Insurance Caci, Crédit Agricole Assurances subsidiary specialised in Creditor Protection Insurance (CPI), is a leading player in France and Europe, with 42 partners in 14 countries. Thanks to the success it has 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. OUR ORGANISATION 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 different offices 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 insurance company approved in one EU member state to offer its services in all EU member states without having to be established there) Specialised teams dedicated to Caci s development Head office of French companies Head office of Irish companies Activities under FOS Activities under the freedom of establishment Caci holding Ireland Denmark Norway United Kingdom Netherlands Belgium Germany Sweden Poland Finland No.3 IN FRANCE FOR CPI No.4 IN THE EUROPEAN CPI MARKET HOLDING France Portugal Spain Italy

2 GOVERNANCE EXECUTIVE COMMITTEE At 1 May 2011 Yves Nanquette Chairman of Caci s Board of Directors & CEO of LCL From left to right Marc Vidal, Chief Financial Officer. Henri Le Bihan, Chief Executive Officer. Alain Roussel, Head of Business Development and Marketing. Jean-Pierre Paumier, Head of Irish companies. Hugues Hénin, Head of Business Development for Italy, Spain and Germany. David Atkinson, Head of Operations KEY FIGURES Total premiums Other products 16% CPI France 39% 1,008 ME 45% CPI International CPI premiums by sector CPI premiums by country French Retail Banking France 12% 34% Consumer Finance France Other countries 1% 33% Italy International Retail Banking 19% Automotive Captives 16% 842 ME 18% Consumer Finance International France 47% 842 ME 9% 7% 2% 1% Poland Germany Spain Portugal

3 OUR PRODUCT RANGE Caci s product range covers the financial commitment of its partners and their end-customers (credit instalments, bills, etc.), as well as risks such as death, disability and involuntary unemployment: GAP (Guaranteed Automobile Protection) is a complementary cover protecting the vehicle in the event of total destruction or theft Card and Goods protect the card and its use, together with purchases made in the event of theft, damage and breakdown Guaranteed Automobile Protection (GAP) Card and Goods Protection Creditor Protection Insurance (CPI) Budget Protection Accident and Health Budget Protection is a comprehensive and diversified offer, providing help to the insured in their daily consumption and expenses in the event of a serious difficulty (disability, etc.) Accident and Health (individual protection) protect the end-customer and their family from the financial consequences of a serious personal life event (death, hospitalization, injury, etc.) Creditor Protection Insurance (CPI) aims to protect the loan in the event of disability, involuntary unemployment, etc. 3 key dates for Caci At end CREATION OF 2009 OFFERING EXTENDED TO THE LCL NETWORK 2010 OPENING OF BRANCHES IN ITALY 3 key figures for Caci At end 2010 PREMIUM INCOME OF 1 BILLION EUROS 42 PARTNERS IN 14 COUNTRIES 259 EMPLOYEES

4 S STRENGTHS 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 For LCL CPI For Cariparma Sipuò s offering Creation and development of global partnerships A full-scale platform delivering high-quality service Practical expertise in the actuarial, legal and marketing fields in the European market In-depth knowledge of our partners business Caci at a glance Teams located in the 4 major European markets An innovative, tailor-made approach that reflects our partners needs Coordinated management of partnerships For Caci, partnerships are built around: Our partner s strategy Revenue and net income optimisation The most comprehensive and efficient protection possible for endcustomers Caci s partners therefore benefit from: Tailor-made products Caci s pan-european expertise

5 OUR PARTNERS Caci has set up many partnerships in different sectors: Retail banking: Cariparma/FriulAdria/Carispezia, LCL, Lukas 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, etc. Automotive captive finance companies: FGA Capital Non-group partners: Endesa, Vodafone, etc. > France > Italy 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 Banking Caci represents a true asset for us in terms of experience and professionalism in the protection market. Carmine Paolantonio, Head of Bancassurance > Germany 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 offering, 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 > Italy FGA Capital and Caci is a partnership constantly striving for success and innovation. As a partner, Caci is able to translate its international experience into local expertise. Valerio Santarelli, Insurance Manager We have been working with Caci since 2004 and appreciate it as a partner being open to innovative ideas and one who is prepared to offer individual service and advice according to our needs. Jan Wagner, CEO > Poland Caci has provided Lukas Bank with attentive service and international expertise, helping us to build an offering adapted to our market and our product. Jean-Sébastien Barbazanges, Joint Ventures Partnership Director > Portugal 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 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

6 -FORM French société anonyme with capital of 84,452,080 euros REGISTERED OFFICE 16, boulevard de Vaugirard PARIS CEDEX 15 CRÉDIT AGRICOLE ASSURANCES GROUP IN FIGURES (AT 31 DECEMBER 2010) 30 billion euros in premium income billion euros of assets under management 984 million euros in net income (Crédit Agricole S.A. Group share) Over 3,200 employees Find out more For more information on Caci s product offering, scan the flash code below and download the application to your smartphone. CAA Corporate communication division May 2011