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					                                                                      JANUARY 2007




            CREDIT MUTUEL-CIC GROUP SWIFT BIC ANNOUNCEMENT




As you know Crédit Mutuel and Crédit Industriel et Commercial Group of banks, have been
forming Crédit Mutuel-CIC Group since 1998, when Banque Fédérative du Crédit Mutuel
acquired the majority shares in the CIC banks.

The Crédit Mutuel-CIC Group represented as of 31.12.05 :

       2nd largest retail banking group in France in terms of branches
       Leader in French bank-insurance, payment systems, electronic banking
       7.2 million customers and 3.146 branches
       Total assets of € 318 bn
       Total shareholder’s equity of € 15.5 bn
       Tier 1 ratio of 9.17 %


I – MERGERS BETWEEN CIC BANKS


Since 1998, the technical and operational organisation of CMCEE-CIC Group has evolved
greatly.

At the end of 2006, various banks of the CIC Group have merged between them.

Namely :

1. Crédit Industriel de Normandie (CMCIFR2R) merged into Banque Scalbert Dupont
(CMCIFR2E) to be named Banque Scalbert Dupont – CIN (new SWIFT code mentioned
hereunder). The activity of Crédit Fécampois (CMCIFR71CFC) was taken over by Banque
Scalbert Dupont – CIN.

2. Banque Régionale de l’Ouest (CMCIFR22) merged into Crédit Industriel de l’Ouest
(CMCIFR2N – new SWIFT code mentioned hereunder).


II – BIC CODES CHANGES IN THE GROUP


As from March 3rd, 2007 each regional CIC Bank will be provided with a non SWIFT BIC
and payments will be received through CMCIFRPP. The respective SWIFT codes of the
merged banks will disappear.

On its side Crédit Mutuel will suppress most of its branch codes.




                 CREDIT MUTUEL-CIC GROUP SWIFT BIC ANNOUNCEMENT – January 2007       1
As of March 3rd , the main structure of the Crédit Mutuel-CIC SWIFT BICS are the following
                                               :




                                                                            CMCIFRPA


                                                                        Banque Fédérative du Crédit Mutuel


                                                                            CMCIFRPP



                                                                        Crédit Industriel et Commercial and
                                                                        SWIFT BIC for all CIC banks

                                             CMCIFR                        CMCIFR2A


                                                                         Crédit Mutuel


                                                                            CMCIFRPB


                                                                         CM-CIC Securities


                                                                            CMCIFRP1

                                                                        Various non live BIC for CM and
                                                                        CIC entities inclusive CIC banks




                                                    CMCIDEFF

         CMCI
                                                Branch in Frankfurt
    Identification of
    Crédit Mutuel-CIC banks


                                                    CMCIGB2L


                                                 Branch in London



                                                    CMCISGSG


                                                 Branch in Singapore



                                                    CMCIUS33


                                                 Branch in New York




                  CREDIT MUTUEL-CIC GROUP SWIFT BIC ANNOUNCEMENT – January 2007                            2
     III – LIST OF CMCIC SWIFT CODES

     You will find hereafter a table detailing most of the changes :

              Former BIC        BIC for
    BIC                                                                                                               Location
              (if changed)     payment
 CMCIFRPA                     CMCIFRPA     Crédit Mutuel –CIC Banques BANQUE FEDERATIVE CREDIT MUTUEL - BFCM            Paris
                                                                          BANQUE FEDERATIVE CREDIT MUTUEL - SWIFT
CMCIFRPACHQ                  CMCIFRPACHQ   Crédit Mutuel - CIC Banques                                              Strasbourg
                                                                          CHEQUES
                                                                          BANQUE FEDERATIVE CREDIT MUTUEL -
CMCIFRPADGE                  CMCIFRPADGE   Crédit Mutuel - CIC Banques                                                  Paris
                                                                          CORPORATES
                                                                          BANQUE FEDERATIVE CREDIT MUTUEL -
CMCIFRPADOC                  CMCIFRPADOC   Crédit Mutuel - CIC Banques                                              Strasbourg
                                                                          DOCUMENTARY CREDITS
                                                                          BANQUE FEDERATIVE CREDIT MUTUEL -
CMCIFRPAGAR                  CMCIFRPAGAR   Crédit Mutuel - CIC Banques                                                  Lyon
                                                                          GARANTIES
                                                                          BANQUE FEDERATIVE CREDIT MUTUEL -
CMCIFRPAGMT                  CMCIFRPAGMT   Crédit Mutuel - CIC Banques                                              Strasbourg
                                                                          CUSTODY - GMT
                                                                          BANQUE FEDERATIVE CREDIT MUTUEL - MASS
CMCIFRPAPEN                  CMCIFRPAPEN   Crédit Mutuel - CIC Banques                                              Strasbourg
                                                                          AND PENSIONS PAYMENTS
                                                                          BANQUE FEDERATIVE CREDIT MUTUEL -
CMCIFRPAPOR                  CMCIFRPAPOR   Crédit Mutuel - CIC Banques                                              Strasbourg
                                                                          COLLECTIONS
                                                                          BANQUE FEDERATIVE CREDIT MUTUEL - CASH
CMCIFRPARFT                  CMCIFRPARFT   Crédit Mutuel - CIC Banques                                                  Paris
                                                                          MANAGEMENT
CMCIFRPATRE                  CMCIFRPATRE   Crédit Mutuel - CIC Banques CM-CIC - TREASURY AND FUNDING                Strasbourg
CMCIFRP1SBC   CMCIFR2BXXX     CMCIFRPP     Crédit Mutuel - CIC Banques CM-CIC SOCIETE BORDELAISE DE CIC - SB         Bordeaux
CMCIFRP1BSD   CMCIFR2EXXX     CMCIFRPP     Crédit Mutuel - CIC Banques CM-CIC BANQUE SCALBERT DUPONT - CIN               Lille
CMCIFRP1LYB   CMCIFR2LXXX     CMCIFRPP     Crédit Mutuel - CIC Banques CM-CIC LYONNAISE DE BANQUE - LB                  Lyon
                                                                          CM-CIC BONNASSE LYONNAISE DE BANQUE -
CMCIFRP1BLB   CMCIFR2LBLB     CMCIFRPP     Crédit Mutuel - CIC Banques                                               Marseille
                                                                          BLB
CMCIFRP1CIO   CMCIFR2NXXX     CMCIFRPP     Crédit Mutuel - CIC Banques CM-CIC CREDIT INDUSTRIEL DE L'OUEST - CIO       Nantes
                                                                          CM-CIC CREDIT INDUSTRIEL D'ALSACE ET DE
CMCIFRP1CIA   CMCIFR2SXXX     CMCIFRPP     Crédit Mutuel - CIC Banques                                              Strasbourg
                                                                          LORRAINE - CIAL
                                                                          CM-CIC SOCIETE NANCEIENNE VARIN-BERNIER
CMCIFRP1SNV   CMCIFR2YXXX     CMCIFRPP     Crédit Mutuel - CIC Banques                                                 Nancy
                                                                          - SNVB
CMCIFRP1BTR   CMCIFRPTXXX     CMCIFRPP     Crédit Mutuel - CIC Banques CM-CIC BANQUE TRANSATLANTIQUE S.A.- BT           Paris
CMCIFRP1BAE   BAEQFRP1XXX     CMCIFRPP     Crédit Mutuel - CIC Banques CM-CIC BAIL                                      Paris
CMCIFRP1BAO   BAOUFR21XXX     CMCIFRPP     Crédit Mutuel - CIC Banques CM-CIC BAIL OUEST CIC                           Nantes
CMCIFRP1CIE   CIEQFR21XXX     CMCIFRPP     Crédit Mutuel - CIC Banques CM-CIC CIAL EQUIPEMENT                       Strasbourg
CMCIFRP1LEA   CMLEFRP1XXX     CMCIFRPP     Crédit Mutuel - CIC Banques CM-CIC LEASE                                     Paris
CMCIFRP1FAC   FATTFR21XXX     CMCIFRPP     Crédit Mutuel - CIC Banques CM-CIC FACTOCIC                                Puteaux
CMCIFRP1VIO    FIAEFR21XXX    CMCIFRPP     Crédit Mutuel - CIC Banques CM-CIC LAVIOLETTE                               Corbas
CMCIFRP1SVF   SNFIFR21XXX     CMCIFRPP     Crédit Mutuel - CIC Banques CM-CIC SNVB FINANCEMENTS                        Nancy
CMCIFRP1VIZ    VIZLFR21XXX    CMCIFRPP     Crédit Mutuel - CIC Banques CM-CIC BANQUE DE VIZILLE                         Lyon
CMCIFRP1EPS          -        CMCIFRPP     Crédit Mutuel - CIC Banques CM-CIC CIC EPARGNE SALARIALE                     Paris
CMCIFRP1CMP          -        CMCIFR2A     Crédit Mutuel - CIC Banques CM-CIC CM PARTICIPATIONS                         Paris
CMCIFRP1DYD          -        CMCIFRPP     Crédit Mutuel - CIC Banques CM-CIC DUBLY DOUILHET                             Lille
                                                                          CM-CIC BANQUE DE L'ECONOMIE DU
CMCIFRP1BEC   CMCIFR21BEC     CMCIFR2A     Crédit Mutuel - CIC Banques                                              Strasbourg
                                                                          COMMERCE ET DE LA MONETIQUE
                                                                          CM-CIC CREDIT INDUSTRIEL ET COMMERCIAL -
 CMCIFRPP                     CMCIFRPP          CM - CIC Banques                                                        Paris
                                                                          CIC
                                                                          CM-CIC CREDIT INDUSTRIEL ET COMMERCIAL -
CMCIFRPPCOR                  CMCIFRPPCOR        CM - CIC Banques                                                        Paris
                                                                          CORPORATES
CMCIFR2ACAE                   CMCIFR2A             Crédit Mutuel          CAISSE FEDERALE NORMANDIE                     Caen
CMCIFR2ACEE                   CMCIFR2A             Crédit Mutuel          CAISSE FEDERALE CENTRE EST EUROPE         Strasbourg
CMCIFR2ACMC                   CMCIFR2A             Crédit Mutuel          CAISSE FEDERALE CENTRE                      Orléans
CMCIFR2ACMN                   CMCIFR2A             Crédit Mutuel          CAISSE FEDERALE NORD EUROPE                    Lille
                                                   Crédit Mutuel          CAISSE FEDERALE MAINE ANJOU BASSE
CMCIFR2ALAV                   CMCIFR2A                                                                                  Laval
                                                                          NORMANDIE
                                                   Crédit Mutuel          CAISSE FEDERALE LOIRE ATLANTIQUE CENTRE
CMCIFR2ANAN                   CMCIFR2A                                                                                 Nantes
                                                                          OUEST
CMCIFR2ATLS                   CMCIFR2A             Crédit Mutuel          CAISSE FEDERALE MIDI-ATLANTIQUE              Balma
                                                   Crédit Mutuel          CAISSE INTERFEDERALE SUD EUROPE
CMCIFR2AVAL                   CMCIFR2A                                                                               Marseille
                                                                          MEDITERRANEE
CMCIFR21AVI                   CMCIFR2A             Crédit Mutuel          CMAR PROVENCE LANGUEDOC                    Cavaillon
CMCIFR21BCI                   CMCIFR2A             Crédit Mutuel          BANQUE CREDIT MUTUEL ILE DE FRANCE        Strasbourg
                                                   Crédit Mutuel          BANQUE COMMERCIALE DU MARCHE NORD
CMCIFR21BCM                   CMCIFR2A                                                                                   Lille
                                                                          EUROPE
CMCIFR21LAC                   CMCIFR2A             Crédit Mutuel          CMAR LOIRE ATLANTIQUE CENTRE OUEST           Nantes
  CMCIMQM1   CMUTMQM1         CMCIFR2A             Crédit Mutuel          CAISSE FEDERALE ANTILLES GUYANE          Fort de France
  CMCIFRPB                    CMCIFRPB     Crédit Mutuel - CIC Securities                                               Paris
  BFCMFR21  BFCMFR21SFM       CMCIFR2A              SOFEMO                                                          Strasbourg
CMUTFR21CCM                   CMCIFR2A             Crédit Mutuel          CAISSE CENTRALE – BACK OFFICE                 Paris
 CMUFR21BCH                   CMCIFR2A             Crédit Mutuel          CAISSE AGRICOLE                               Dijon



                         CREDIT MUTUEL-CIC GROUP SWIFT BIC ANNOUNCEMENT – January 2007                            3
IV – SPECIFIC INSTRUCTIONS/OTHER INFORMATION


1. When using correspondent banking accounts :

        If you hold an account with Crédit Mutuel or Crédit Industriel et Commercial, please send
        the MT 103 to CMCIFRPA or CMCIFRPP respectively.

        If you do not hold an account with Crédit Mutuel or Crédit Industriel et Commercial, please
        send the MT 103 to the CMCIFRPA or CMCIFRPP respectively and mention the beneficiary
        bank in field 57 (BIC) and field 59 (IBAN). If cover payments are used, please cover
        CMCIFRPA or CMCIFRPP respectively.

2. When using a Euro payment system :

        EBA Euro 1 : register in your information system CMCIFRPA or CMCIFRPP .

        TARGET : please note the change of SWIFT BIC Codes of the CIC Banks and direct your
        payments to CMCIFRPP. Please direct your payments to Crédit Mutuel entities to
        CMCIFRPA

3. Please do :

        Simply SUBSTITUTE in your information system the new 8 character BIC codes of our
        banks for the old ones, using the concordance table enclosed.
        Use the new BIC codes for all your settlements to be made on/or after March 3rd 2007.


4. Cash Management :

        MT 940 : for those correspondents sending MT 940, please change the SWIFT address of the
        respective CIC Bank from the present BIC to CMCIFRPP. Unless otherwise advised please do
        not change any other data. Please do not change any routing for Crédit Mutuel banks.

        Also note that account numbers of clients from Crédit Industriel de Normandie, Crédit
        Fécampois and Banque Régionale de l’Ouest have been changed. The banks concerned will
        also be advised directly.

        Cash management agreements : The information hereunder only applies to CIC banks.
        Please do not change any routing for Crédit Mutuel banks.
        For banks with which Crédit Mutuel and CIC have signed a cash management agreement,
        please change the SWIFT address of the respective CIC Bank from the present BIC to
        CMCIFRPP. The banks concerned will also be advised directly


5. Letters of credit and guarantees

        The information hereunder only applies to CIC banks. Please do not change any data for
        Crédit Mutuel banks.
        Please note that all letters of credit and guarantees are already sent by CMCIFRPP for account
        of all CIC Banks even if the letter of credit or guarantee has been opened or sent by an old
        BIC. Please accept all amendments issued by CMCIFRPP as if it was issued by the old BIC.


                          Contacts : cic-international@cic.fr or your usual contact




                  CREDIT MUTUEL-CIC GROUP SWIFT BIC ANNOUNCEMENT – January 2007                     4

				
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