Legal notice

Protection of privacy regarding on-line banking services

The CIC undertakes to scrupulously respect your confidence and to apply the provisions of law 78-17 of 6 January 1978 relating to "information technology, databases and civil liberties" (www.cnil.fr) along with the ethical principles arising from this with regard to the use of any personal information you may need to disclose while browsing its Web site.

Site publisher and hoster

Site publisher:

Crédit Industriel et Commercial (CIC).
Bank governed by articles L.511-1 et seq. of the French Monetary and Financial code.
French Simplified Joint-stock Company (Société par Action Simplifiée) with capital of €129,573,460.
Registered office: 6 avenue de Provence 75009 Paris.
Postal address: 75452 Paris CEDEX 09.
Telephone: +33 (0)1 45 96 96 96.
SWIFT code: CMCIFRPP.
Registered at Paris company register: 542 016 381.
EC VAT Registration Number: FR34542016381.
For operations carried out as insurance broker ORIAS 7 025 723 (www.orias.fr).
Credit institution approved by the French Prudential and Resolution Supervisory Body ACPR 61 rue Taitbout 75436 Paris CEDEX 09.

Director of publication:

Daniel Baal, acting managing director.

E-mail publisher:

Crédit Industriel et Commercial.
French Simplified Joint-stock Company (Société par Action Simplifiée) with capital of €129,573,460.
Registered office: 6 avenue de Provence - 75009 Paris.
Registered at Paris company register: 542 016 381.
ORIAS No.: 7 025 723.

Hoster:

Euro-Information.
Simplified joint stock company (Société par Actions Simplifiée).
Registered office: 4 rue Frédéric-Guillaume Raiffeisen, 67000 Strasbourg.
Registered at Strasbourg company register: 312 730 674.
Telephone: +33 (0)3 88 14 88 14.

Liability

With regard to the presents, the banks of the CIC marketing remote banking products at the address CIC.fr are hereafter, without distinction, called "The CIC".

Crédit Industriel et Commercial

French Simplified Joint-stock Company (Société par Action Simplifiée) with capital of €129,573,460.
Registered office: 6 avenue de Provence - 75009 Paris.
Registered at Paris company register: 542 016 381.
ORIAS No.: 07 025 723.

User licence

By accessing this site or one of its elements, you accept a licence granted by the CIC under the conditions defined below.

Access to the products or services described on the present site may be subject to restrictions with regard to certain individuals or in certain countries. None of the products or services described here will be provided by the CIC to any person if not permitted by the law in their country of origin or any other country with which they are involved. It is the responsibility of every individual affected to check beforehand with their usual advisors that their legal and fiscal status allows them to subscribe to the products and/or services presented on this site.

The following rights are granted exclusively under the present licence: a right to private, personal and non-transferable use of the site contents or one of its elements, a right to reproduce for storage for the purposes of representation on a single-user screen and to reproduce one copy, for backup or for printing on paper; any use of documents, of any kind whatsoever from this Web site must mention the source.

Subject to the rights granted above, any representation and/or reproduction in whole or in part of the content of this site and/or of one of its elements is expressly forbidden and in particular:

• Any use of one of the elements of the site in a network-based computer environment through the use of links for commercial and/or distribution purposes. In particular, the presentation of a page from this site in a frame not belonging to CIC (using the "framing" technique) and insertion of an image belonging to the CIC in a page not belonging to the CIC (using the "in line linking" technique) is forbidden.
• The repeated and systematic extraction of elements of the site whether protected or otherwise causing prejudice of whatever kind to the CIC. This particularly applies to elements protected by Law No. 98-536 of 1st July 1998, regarding the legal protection of databases.

However, the establishment of links to the page with address CIC.fr is authorised subject to the following cumulative conditions:

• That this page appears under this (these) address(es), that if the links are established from the figurative mark, the CIC authorises reproduction and representation for this purpose only.
• That the sites operating the links to this address pursue an activity and distribute information, images and any other medium in compliance with law and order and public decency and in general comply with French law. The CIC reserves the right to change these conditions at any time.

The CIC reserves the right to change and correct the content of this site at any time and without prior notice. All rights not expressly granted under the terms of the presents are reserved by the CIC. CIC shall in no way be liable for hypertext links to other sites from cic.fr.

Pre-contract information

The CIC Web site is open for on-line distance selling. In compliance with the regulations, pre-contract information is provided for your use.

Approvals

The Crédit Industriel et Commercial is approved by the French Prudential and Resolution Supervisory Body to provide the following investment services:

• Receiving and sending orders on behalf of a third party.
• Carrying out orders on behalf of a third party.
• Proprietary trading.
• Managing portfolios on behalf of a third party.
• Financial investment consultancy.
• Underwriting.
• Investments.

It is also authorised to provide custody and banking services. These approvals may be viewed on the site of the Banque de France.

Insurances and services

The contracts are underwritten by:

• ACM IARD SA.

  French Simplified Joint-stock Company (Société par Action Simplifiée) with capital of €194,535,776.
  Registered office: 4 rue Frédéric-Guillaume Raiffeisen 67000 Strasbourg.
  Registered at Strasbourg company register: 352 406 748.
  VAT registration number: FR87352406748.
  Postal address: 63 chemin Antoine Pardon 69814 Tassin CEDEX.
  Company governed by the French Insurance Code.

• MTRL.

  National mutual insurance company covered by the French Mutual Societies Code.
  Registration number: 777 345 067.

• ACM Vie SA.

  French Simplified Joint-stock Company (Société par Action Simplifiée) with capital of €77,357,536.
  Registered office: 4 rue Frédéric-Guillaume Raiffeisen 67000 Strasbourg.
  Registered at Strasbourg company register: 332 377 597.
  VAT registration number: FR60332377597.
  Postal address: 63 chemin Antoine Pardon 69814 Tassin CEDEX.
  Company governed by the French Insurance Code.

They are marketed under the CIC Assurances trade mark by the following bank:

• Crédit Industriel et Commercial.

  French Simplified Joint-stock Company (Société par Action Simplifiée) with capital of €29,573,460.
  Registered office: 6 avenue de Provence - 75009 Paris.
  Registered at Paris company register: 542 016 381.
  ORIAS No.: 07 025 723.

Bank governed by articles L.511-1 et seq. of the French Monetary and Financial code for operations performed as insurance brokers.

The services are marketed under the trade marks:

• ACM-Services.

  French Simplified Joint-stock Company (Société par Action Simplifiée) with capital of €6,000,000.
  Registered office: 4 rue Frédéric-Guillaume Raiffeisen 67906 Strasbourg CEDEX 09.
  Registered at Strasbourg company register: 432 710 135.

• Protection Vol/Protection Vol Pro are services provided by EPS (Euro Protection Surveillance).

  French Simplified Joint-stock Company (Société par Action Simplifiée) with capital of €1,000,000.
  Registered office: 30 rue du Doubs 67100 Strasbourg. Company registration number 338 780 513. APE code: 80 20 Z.