Legal notices

Publishers and host

Site publisher:

Crédit Industriel et Commercial (CIC).
Bank governed by articles L.511-1 et seq. of the French Monetary and Financial code.
Société anonyme (public limited company) with capital of 611 858 064 euros
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 with a capital of € 53,212,140
Registered Office : 4, rue Frédéric-Guillaume Raiffeisen - 67000 Strasbourg
Registered with the Strasbourg Trade and Companies Register B 312 730 674
Telephone : 03 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.: 7 025 723.

Banque CIC Nord Ouest
French Simplified Joint-stock Company (Société par Action Simplifiée) with capital of €230,000,000.
Registered office: 33 avenue Le Corbusier 59000 Lille.
Registered at Lille Métropole company register: 455 502 096.
ORIAS N°: 07 008 437.

Banque CIC Ouest
French Simplified Joint-stock Company (Société par Action Simplifiée) with capital of €83,780,000
Registered office: 2 avenue Jean-Claude Bonduelle BP 84001 44040 Nantes CEDEX 1.
Registered at Nantes company register: 855 801 072.
ORIAS N°: 07 008 480.

Banque CIC Est
French Simplified Joint-stock Company (Société par Action Simplifiée) with capital of €225,000,000.
Registered office: 31 rue Jean Wenger-Valentin 67000 Strasbourg.
Registered at Strasbourg company register: 754 800 712.
ORIAS N°: 07 026 287.

Lyonnaise de Banque
French Simplified Joint-stock Company (Société par Action Simplifiée) with capital of €260,840,262.
Registered office: 8 rue de la République 69001 Lyon.
Registered at Lyons company register: 954 507 976.
ORIAS N°: 07 022 698.

Banque CIC Sud Ouest
French Simplified Joint-stock Company (Société par Action Simplifiée) with capital of €155,300,000.
Registered office: 20 quai des Chartrons 33000 Bordeaux.
Registered at Bordeaux company register: 456 204 809.
ORIAS N°: 07 027 272.
Banks governed by articles L.511-1 et seq. of the French Monetary and Financial code.

Legal Notice

The general structure of the site and applications, software, texts, images whether animated or not, photographs, graphic elements as well as their presentation and assembly, and in general all other elements appearing on the site or applications are protected by intellectual property law.

CIC is protected under trade mark law.

All data relating to individuals collected directly by CIC and disseminated on its website or applications has been subject to a prior authorization request from the individuals concerned.

Any use on its site or applications of logos, personal information belonging to a third party as well as any dissemination of articles published in the written press has been subject to prior, express and written authorization (on paper or electronic media).

Use of the content of the site or applications

By accessing its site, its applications or any of its elements, CIC authorizes you to use them under the conditions defined below.

Under this right of use, the following uses are exclusively authorized:

• a private, personal and non-transferable right of use over the content of its site and its applications or one of its elements,
• a right of reproduction for storage for the purposes of representation on a single-user screen and reproduction, in one copy, for backup copy or printing on paper.

Any use of documents, of any nature whatsoever, from its site or its applications must mention the source.

However, any representation and/or reproduction, even partial, of the content of its site or its applications and/or any of its elements is expressly prohibited, in particular:

• For commercial and/or distribution purposes.
• Any use of any of the elements of its site or its applications in a networked computer environment.
• When used as links. In particular, the presentation of a page of its site or its applications in a frame not belonging to CIC (using the "framing" ("transclusion") technique) and the insertion of an image belonging to CIC in a page not belonging to CIC (using the "in line linking" technique: a technique which allows an element, most often a graphic or audiovisual file, to be incorporated into an Internet page from another site; the incorporated element then appears on the screen automatically, without the user needing to click on the link) are prohibited.
• The extraction, by permanent or temporary transfer of all or a qualitatively or quantitatively substantial part of protected or unprotected elements of its site or its applications causing any harm to CIC, on another medium, by any means and in any form whatsoever. This particularly concerns elements protected by Law No. 98-536 of July 1, 1998, concerning the legal protection of databases.
• Reuse, by making available to the public all or a qualitatively or quantitatively substantial part of the content of the database, whatever the form. This particularly concerns elements protected by Law No. 98-536 of July 1, 1998, concerning the legal protection of databases.

However, the establishment of links to the page whose address is https://www.cic.fr is authorized, subject to compliance with the following cumulative conditions:

• The page must appear under this(these) address(es),
• the reproduction and representation of the links established from the figurative mark is authorized by CIC for this purpose only,
• sites operating links to this address must carry out an activity and distribute information, images and any other support in accordance with public order and morality and generally comply with French law.

CIC reserves the right to modify or correct the content of its site or applications at any time and without notice.

CIC reserves all rights that are not expressly granted herewith.

Hypertext links established where applicable towards other sites from cic.fr cannot, under any circumstances, engage the responsibility of CIC.

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.
  Sociedad Anónima con un capital de 194.535.776 €.
  Sede central: 34 rue du Wacken 67000 Strasbourg (Estrasburgo).
  Registrada en el RCS (Registro Mercantil) de Estrasburgo: 352 406 748.
  Número de TVA: FR87352406748.
  Dirección postal: 63 chemin Antoine Pardon 69814 Tassin CEDEX.
  Empresa que se rige por el Código de Seguros.
• ACM Vie SA.
  Sociedad Anónima con un capital de 577.357.536 €.
  Sede central: 34 rue du Wacken 67000 Strasbourg (Estrasburgo).
  Registrada en el RCS (Registro Mercantil) de Estrasburgo: 332 377 597.
  Número de TVA: FR60332377597.
  Dirección postal: 63 chemin Antoine Pardon 69814 Tassin CEDEX.
  Empresa que se rige por el Código de Seguros.
• ACM Vie SAM.
  Fixed-contribution mutual insurance company
  Sede central: 4 rue Frédéric-Guillaume Raiffeisen 67000 Strasbourg (Estrasburgo).
  Número de TVA: FR69303528442.
  Empresa que se rige por el Código de Seguros.
• SERENIS ASSURANCES S.A.
  Sociedad Anónima con un capital de 16.422.000 €.
  Sede central: 25 rue Docteur Henri Abel 26000 VALENCE.
  Registrada en el RCS (Registro Mercantil) de Romans : 350 838 686.
  Número de TVA: FR13350838686.
  Empresa que se rige por el Código de Seguros.

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 €129,573,460.
Registered office: 6 avenue de Provence – 75009 Paris.
Registered at Paris company register: 542 016 381.
ORIAS No.: 7 025 723.

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.