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					                CAISSE REGIONALE DE CREDIT AGRICOLE MUTUEL PROVENCE COTE D'AZUR
                Société Coopérative à Capital variable, agréée en tant qu'établissement de crédit. Siège social situé Avenue Paul Arène - Les
                Négadis - 83300 DRAGUIGNAN –RCS DRAGUIGNAN 415 176 072. Société de courtage d’assurance immatriculée au Registre des
                Intermédiaires en Assurance sous le n° 07005753 consultable sous www.orias.fr


                                                    ACCOUNT AGREEMENT FOR INDIVIDUALS
                                                                   GENERAL CONDITIONS
This agreement entered into for an unspecified            The Regional Funding Office cannot be held                The Regional Funding Office maintains your
period within the framework of Article L 312-1-1          responsible if it uses out-dated information due          account and where its balance is sufficient,
of the French Monetary and Finance Code                   to a failure to honour this obligation.                   executes all the operations that you make and
(CMF) relates to any deposit account opened in                                                                      all the orders that you give, or that it receives
the books of the Caisse Régionale for                     1-3 – Power of a attorney                                 on your behalf.
individuals not acting in a professional capacity         You have the possibility, subject to the                  From the opening of your account, it will
and defines the terms of opening, operation               agreement of the Regional Funding Office, to              provide you with a Banking Identity Code (RIB)
and closing thereof.                                      give to one or several people the power to                or an International Bank Account Number
This agreement consists of:                               effect banking operations as defined in a power           (IBAN) that become the references of your
-these general terms                                      of attorney, for one or several of your accounts,         account.
-the specific terms and conditions referred to as         in your name and under your responsibility.               - In managing your account, the Regional
“Products and services sale contract”                     This power of attorney is given to the proxy via          Funding Office places at your disposition
-the booklet you are given which specifies the            a separate declaration and ceases notably                 services, notably those indicated in the current
main pricing conditions.                                  upon the decease of the account holder. Your              Article 2.
In the case where this agreement concerns an              proxy will thus be qualified and authorised to
account already open before February 28th,                effect, in your stead and place, the operations           2-2 – Rules relating to means of payment
2003 with Crédit Agricole, it will henceforth             that are specified in the power of attorney that          The specific terms and conditions of your
govern the operation of the account without               you provide him with and for which you are                agreement stipulate whether, on the execution
introducing any innovation, particularly with             responsible.                                              date thereof, you have a chequebook and/or
regard to any guarantees agreed and will                  Where this or these power(s) of attorney is/are           bank card.
challenge neither any proxy arrangements                  rescinded at your initiative, you are obliged to          You are responsible for taking every precaution
previously agreed nor any other agreements                inform your proxy yourself of the termination of          to protect your chequebooks and bankcards
between the client and the Regional Funding               the mandate that you had granted him and to               and in particular you must not at any time leave
Office.                                                   notify the Regional Funding Office of this                them in an unlocked place or a vehicle, even if
As a consequence, if you have:                            termination by recommended letter requiring an            it is locked.
• the use of a cheque book or some other                  acknowledgement of receipt or to take it to your          2-2-1 - Cheques
means of payment, such as a bank card of                  branch.      Until the Regional Funding Office            - Cheque-books
Crédit Agricole, the subject of a specific                receives      this   notification,  you    remain         If the central cheques records of the Banque de
agreement known as a, “holder’s contract,”                responsible for any operations realised by your           France so permit, the Regional Funding Office
• an overdraft facility for a period of up to             proxy. You must also demand the immediate                 can provide you, upon request, with cheque-
three months, granted via a specific                      return of the means of payment you may have               books. By express agreement and in order to
agreement,                                                entrusted to your agent and, if the latter fails to       enable rapid, standardised processing, no
these rights, as for the previous agreements,             do so, immediately ask the Caisse Régionale to            cheque specimen other than those you were
apply to you via the combination of their                 stop these means of payment, under penalty of             given may be used and you undertake to use
conditions except, however, where they                    being held liable therefore.                              them without changing, altering or deleting the
become incompatible with the rules stipulated             In relation to the account that is the subject to         markings they bear.
by Articles L 312-1-1 and those following of the          the power of attorney, the Regional Funding               The agreement used upon account opening
CMF.                                                      Office is discharged of its obligation of banking         indicates if a cheque-book will be provided to
                                                          secrecy with regard to the proxy or proxies               you. If one is not delivered immediately, your
ARTICLE 1 – ACCOUNT OPENING                               during the entire duration of the mandate.                situation may be re-examined at your request.
1-1 - Terms and conditions of account opening             In the case of a joint account, the parties agree         To collect your cheque-book, you have the
The Caisse Régionale opens an account in                  that the power of attorney accorded to a third            choice between several possibilities:
your name under the designation indicated in              party or its termination by one of the co-                * collect it from the branch where your account
the specific terms and conditions, after making           account holders will be assumed to be given on            is held,
the necessary checks, and in particular those             behalf of all the co - account holders, except            * have it sent by post.
concerning your identity, your place of                   where a contrary decision has been submitted              The Regional Funding Office can refuse or
residence and your capacity, by means of                  in writing to the Regional Funding Office.                suspend the delivery of cheques if there is
official documents.                                                                                                 sufficient justification, notably in the case of a
You declare your situation as resident or non-            ARTICLE 2 – OPERATION OF THE                              prohibition on the issuing of cheques or where
resident in the specific terms and conditions.            ACCOUNT – PRODUCTS AND SERVICES                           the account is not operating normally, without
The opening of any new account of the same                2 -1 – General rules                                      having to close the account.             You thus
type in your name shall give rise to the                  -This account operates, except where indicated            undertake to collect without delay and by any
application of the same rules and to the signing          otherwise, according to the rules specific to a           means your cheques upon demand from the
of a new agreement.                                       current account and in so doing, produces all             Regional Funding Office. Where the Regional
                                                          the legal consequences captured via the                   Funding Office would not authorise you to use
1-2 – Customer duties to inform                           generation of simple statements for all                   a cheque-book or withdraws their usage from
You undertake to immediately inform the                   operations, with either a credit or debit balance         you for this reason, you will be able to request
Caisse Régionale of any change occurring                  appearing at the close of the account period.             by letter a re-examination of your situation.
during the entire agreement to the personal               By specific agreement, the sureties as well as            The Regional Funding Office debits your
information needed to manage your account,                all other guarantees attaching to a particular            account in respect of those cheques that you
and in particular any change to your marital              operation, remain in place until the end of the           have written and that are presented to it for
status, matrimonial regime, address, telephone            account period, their possible utilisation being          payment. So as to avoid any disagreement
number or e-mail.                                         maintained for when a debit balance becomes               between the dates upon which the cheque was
                                                          payable.                                                  written and presented, the date upon which it is
Caisse Régionale de Crédit Agricole Mutuel de Provence Côte d'Azur société coopérative à capital variable, agréée en tant qu'établissement de crédit, dont le siège social
est à DRAGUIGNAN - Les Négadis - Avenue Paul Arène - BP 78 - 83002 DRAGUIGNAN Cedex et la Direction Générale est à Saint Laurent du Var - 111 Av. Emile Dechame -
BP250 - 06708 Saint Laurent du Var Cedex - 415 176 072 RCS Draguignan - code APE 6419 Z Société de courtage d'assurances, immatriculée au Registre des Intermédiaires
                                en Assurances sous le n° 07 005 753 Téléphone 04 94 84 40 40 - Télécopie 04 94 84 43 14 - Télex 970062
                                                                                                                                                           BANDEP017 A
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                CAISSE REGIONALE DE CREDIT AGRICOLE MUTUEL PROVENCE COTE D'AZUR
                Société Coopérative à Capital variable, agréée en tant qu'établissement de crédit. Siège social situé Avenue Paul Arène - Les
                Négadis - 83300 DRAGUIGNAN –RCS DRAGUIGNAN 415 176 072. Société de courtage d’assurance immatriculée au Registre des
                Intermédiaires en Assurance sous le n° 07005753 consultable sous www.orias.fr

cleared will be taken as the relevant one,                within 5 working days at the most. An                     You can order the payment of your salary or
unless proof to the contrary exists.                      information sheet containing all the other                any other income to your account: this only
Withdrawals from or the blockage of funds in              provisions applicable is available on request.            requires the provision of a RIB to your
the account following the issuance of a cheque                                                                      employer or to your debtor, who then will give
is forbidden upon pain of penal sanctions.                2-2-4 – Direct Debits                                     the order for a wire transfer to his own banker.
- Cheques not crossed                                     The Caisse Régionale executes direct debits
You can obtain cheques that are not crossed               initiated by the organisations authorized to              2-3-4 Wire payments received
upon request: in this case, you will have to pay          make such debits and to which you have sent a             Upon the reception of a wire transfer the
a stamp duty that will be debited to your                 duly completed authorization form together with           Regional Funding Office is solely charged with
account.                                                  details of your bank account. Except where the            the verification of the RIB numeric data or
The Regional Funding Office is required to                amounts to debit are predetermined, the                   IBAN.
maintain a register of people requesting                  organisation will inform you of the amounts to            In accordance with regulations in force, the
uncrossed cheques. This register is made                  be debited. You are entitled to object thereto by         conditions applicable to transfers of an amount
accessible to the tax authorities.                        contacting your branch. You authorise the                 lower than or equal to €50,000 within the
- Bank drafts                                             Regional Funding Office to pay all direct debits          European Economic Area as well as the
You can obtain bank drafts, which are cheques             issued by a creditor that has assumed the                 reminder of credit institutions’ obligations in this
issued by the Regional Funding Office at the              rights to this credit from another organisation to        field, are available in the Crédit Agricole
order of a person, normally designed for a                which you had given the appropriate                       branches. If the order acceptance conditions
given amount, subject to an adequate balance              authorisation, notably in the case of a merger-           are met, the transaction will be processed
being present in your account.                            acquisition or of a partial sale of equity. You           within 1 working day at the most after receipt of
                                                          have the possibility to cancel the authorisation          the funds. An information sheet containing all
2-2-2 – Card transactions                                 for a direct debit given to a creditor.                   the other provisions applicable is available on
If you currently hold a Crédit Agricole bank card                                                                   request.
and it continues to be utilised as suggested in           2-2-5 – TIP (Intra-bank payment authorisation)
the specific conditions of the, “holder’s                 You can use this mode of payment at the                   2-3-5 – Foreign currency transactions
contract,” that you signed, this remains valid,           request of a creditor organisation. In such a             You can give a mandate to the Regional
via payment of the subscriptions and charges              case they will send a TIP that you must then              Funding Office to initiate all operations in
indicated in the tariff structure, subject to any         date and sign and return in order to authorise            foreign currencies or to proceed to clear
conflicting legal or regulatory provisions and to         the debiting of your account.                             payment instruments denominated in foreign
its compatibility with more favourable provisions                                                                   currencies from your account.              These
in this agreement, such as those relating to the          2-3 – Cash deposits, credits to the account and           operations in foreign currencies will be effected
tariff revision procedure. The Regional Funding           standing orders                                           on the basis of the selling or buying prices
Office registers your withdrawals from Crédit             2-3-1 – Cash deposits                                     utilised by your Regional Funding Office for the
Agricole automatic cash dispensers and, where             You can deposit cash at a branch of your                  currency concerned. You assume the
appropriate, from those of other banks, as well           Regional Funding Office.          Except where            exchange rate risk due to the movements in the
as your payments by card. The conditions of               specified to the contrary, only the verbal                rate of the currency concerned.
delivery and of utilisation of the card are               acknowledgement of the deposit and of its
stipulated in the “holder’s contract.”        The         amount by a representative of the Regional                2-3-6 – Foreign operations
Regional Funding Office can demand to have                Funding Office constitutes evidence of its                This account is subject to the regulatory
your card back from you at any time or may not            occurrence, in the absence of any proof to the            provisions concerning foreign operations
renew it if your account is not operating                 contrary.                                                 contained in the applicable texts.         You
properly, except when such malfunctioning is                                                                        undertake to respect the aforementioned
attributable to the Regional Funding Office.              2-3-2 – Crediting of cheques of which you are             regulations and to convey to the Regional
                                                            the beneficiary                                         Funding Office all the required information
2-2-3 – Wire payments made                                                                                          relating to the nature, the destination and the
The Regional Funding Office executes, within a            As soon as a cheque is remitted, the Caisse               origin of the movements recorded on the
period that it finds suitable, periodic or ad-hoc         Régionale credits your account with the amount            account for the purposes of verification and
wire payment requests that you have                       of the cheque subject to collection thereof. The          declaration.    The Regional Funding Office
submitted, in written form or via electronic              value dates applied by the Caisse Régionale               reserves the right to suspend or to reject any
means, in indicating the reference of your                are specified in the extract from its price list. It      operation that does not satisfy these
account to be debited, the amount of the                  may debit your account in the event that a                conditions.
operation and the banking co-ordinates of the             cheque is returned dishonoured. However, if
beneficiary that consist of:                              the characteristics of the cheque are such that           2-4 – ACCOUNT MAINTAINENCE
• the domestic identity code (RIB),                       its payment is doubted, the Caisse Régionale              2-4-1 – Information and recommendations
• the international account identity code                 reserves the right to credit your account only            The Caisse Régionale regularly keeps you
(IBAN: International Bank Account Number),                after collection. In this case, you shall be              informed of the balance of your account and of
• the BIC (Bank Identifying Code) of the bank             informed of the foreseeable collection date. If a         its entries. However, this does not exempt you
and the settlement currency.                              cheque that is presented for clearance is                 from keeping your accounts as and when you
                                                          returned unpaid due to inadequate funding, you            make transactions. For that purpose, we
You authorise it to process your wire transfers,          can make a claim against the payer and, in the            suggest that you:
based upon the banking co-ordinates of the                circumstances specified by the law, obtain a              -make a note of your transactions;
beneficiary included on the order.                        certificate of non-payment upon presentation of           -check, by this means, that you have sufficient
As soon as is practicable, the Regional Funding           the cheque at the payer’s bank (or via your               and available funds, before making any
Office suspends, upon receipt of your request,            Regional Funding Office and then paying the               payment, and in particular before issuing a
periodic wire transfers.                                  fees indicated in the general banking                     cheque. The existence of sufficient funds is
In accordance with regulations in force, the              conditions). Finally, for cheques payable                 assessed on the transaction date, at the time of
conditions applicable to transfers of an amount           outside France, you are responsible for finding           payment by the Caisse Régionale, by
lower than or equal to €50,000 within the                 out about the legislation in the country in which         examining the balance of the account on which
European Economic Area as well as the                     these cheques are payable, prior to remitting             the cheque is issued, regardless of the balance
reminder of credit institutions’ obligations in this      them for collection.                                      of any other account(s) including savings
field, are available in the Crédit Agricole                                                                         accounts, and without considering the amount
branches. If the order acceptance conditions              2-3-3 – Regular credits                                   of any cheques presented to the Caisse
are met, the transaction will be processed                                                                          Régionale to be credited after collection, which
Caisse Régionale de Crédit Agricole Mutuel de Provence Côte d'Azur société coopérative à capital variable, agréée en tant qu'établissement de crédit, dont le siège social
est à DRAGUIGNAN - Les Négadis - Avenue Paul Arène - BP 78 - 83002 DRAGUIGNAN Cedex et la Direction Générale est à Saint Laurent du Var - 111 Av. Emile Dechame -
BP250 - 06708 Saint Laurent du Var Cedex - 415 176 072 RCS Draguignan - code APE 6419 Z Société de courtage d'assurances, immatriculée au Registre des Intermédiaires
                                en Assurances sous le n° 07 005 753 Téléphone 04 94 84 40 40 - Télécopie 04 94 84 43 14 - Télex 970062
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                                                                                                                                                                 V 1 07-08
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                CAISSE REGIONALE DE CREDIT AGRICOLE MUTUEL PROVENCE COTE D'AZUR
                Société Coopérative à Capital variable, agréée en tant qu'établissement de crédit. Siège social situé Avenue Paul Arène - Les
                Négadis - 83300 DRAGUIGNAN –RCS DRAGUIGNAN 415 176 072. Société de courtage d’assurance immatriculée au Registre des
                Intermédiaires en Assurance sous le n° 07005753 consultable sous www.orias.fr

is an exceptional procedure. Except for any               the credit side of the account could be                   the account in order to avoid that you are
prior authorization from your Caisse Régionale,           cancelled and the account balance rectified               declared prohibited from being able to operate
your account must always have a credit                    accordingly. This modification could take effect          a bank account. For this reason, the Regional
balance. Consequently, you undertake not to               on the value date corresponding to its                    Funding Office invites you to specify your
initiate any transactions in excess of the credit         registration for the first time.                          telephone numbers, address, email address
balance actually available or, where applicable,          * to credit:                                              and, where appropriate, to promptly update this
of any authorized overdraft facility limit.               The provisional registration of a debit to the            information as necessary. It will not be able to
In the event of non fulfilment of this obligation,        account in respect of cheques written by the              be held responsible if, in the absence of such
and as many times as it occurs in a month, you            account holder for the benefit of a third party           information, you cannot be forewarned that a
shall owe the Caisse Régionale an “account                that cannot be paid. The Regional Funding                 cheque is about to be refused.
analysis commission” the amount of which is               Office could cancel this registration if funding          - will send you a recommended injunction letter
indicated in the General banking terms and                on the account was not sufficient so as to                with an acknowledgement of receipt when a
conditions. This commission corresponds to the            ensure the payment. In this scenario, the                 cheque is refused for the first time. On other
cost incurred for the specific processing of              balance of the account would also be rectified            similar occasions, it will send you a simple
these transactions. The amount thereof shall              as a consequence.                                         letter by post, asking you to:
be debited from your account. It is payable, in           In both cases, the despatch of an account                            - return, to all the establishments that
any event, whether or not the Caisse Régionale            statement including a provisional registration,           have issued cheque books, the cheques in your
agrees to perform the order(s) presented in the           either for a credit or for a debit, would not             possession or in the possession of your
absence of sufficient funds available in the              constitute any obstacle to the subsequent                 proxies,
account.                                                  rectification of this statement.                                     - not write any more cheques except,
                                                          Furthermore, you authorize the Caisse                     “bank drafts,”
2-4-2 – Bank statements                                   Régionale to rectify any entries arising out of an                   - let it know the name and address of
* You are sent an account statement every                 incorrect credit/debit or automatically booked            your proxy or proxies in possession of cheques
month (except in the event that another                   as a result of electronic requirements.                   for use on the account.
frequency has been agreed) provided that at                                                                         This letter explains the procedure to follow in
least one transaction has been recorded during            2-4-4 - Dormant accounts                                  order not to be registered on the Central
the period.                                               Any accounts on which no transactions have                Cheques record of the Banque de France
This statement is an important medium to                  been recorded (excluding cost or commission               (F.C.C.) and to regain the facility of being able
regularly monitor your account. Any failure in            debits) for more than 1 year are considered               to write cheques as well as specifying the
this respect is likely to be considered                   dormant. A dormant account results in the                 amount of the penalty that you will have to pay
negligence by you.                                        collection of a commission at the price in force.         to the Public Treasury.
If you are required to reside for any extended            An inactive account that has a zero balance will
period of time at an address different from the           be able to be closed upon the decision of the             2-4-6-2 – Joint account holders
one to which your account statement is usually            Regional Funding Office.                                  These provisions apply to all the joint account
sent, you are responsible for having it                                                                             holders of an account and to all the accounts
forwarded.                                                2-4-5 - Stop payment order                                open with the Regional Funding Office as much
You must examine this statement as soon as                In the event of loss, theft or fraudulent use of          as those with other establishments that issue
you receive it and immediately inform the bank            your cheques or bank card, of fraudulent use of           cheque books, governed by an individual or
of any anomaly. One month after the date of               data relating to the use thereof or of removal            collective agreement except if they have
the statement, the latter is deemed approved              thereof by a member of your family, you must              designated beforehand and unaminously a
unless proven otherwise.                                  immediately have it stopped by telephone:                 principal account holder to which these
In any case, the expiry of this deadline does not         * for cheques and cash card, at your branch.              sanctions are applicable and only where the
deprive you of recourse to justice that the legal         * for payment cards, at the Centre National               joint account holder designated has not
or regulatory provisions allow you to pursue.             d’opposition, the contact details of which are            revoked this status via a letter of termination.
If you have not received your account                     given by the Caisse Régionale upon the                    Similarly, the Regional Funding Office will have
statement within 8 days of the ordinary date of           issuance of the card, then regularly by any               to take account of any declaration of prohibition
receipt, you must immediately contact your                means, in particular bank statements and via              from being able to operate a bank account of
branch and you will receive a duplicate to                the Caisse Régionale Internet site.                       another establishment.
check the transactions recorded in your                   This possibility is also available in the event of
account.                                                  receivership or winding up by decision of the             2-4-7 – Unavailable funds pursuant to an
The expiry of the one-month period referred to            court of the beneficiary.                                 enforcement procedure (seizure, third holder
above shall not prevent the Caisse Régionale              Any stop payment order requested by                       notifications).
from rectifying any entries recorded or debited           telephone must be immediately confirmed in                All funds available in your account may be
wrongly or by mistake.                                    writing to your branch, under penalty of being of         blocked by way of garnishment or sequester of
* The operations are listed on the statement              no effect, together with the receipt issued when          property notified by a bailiff at the request of a
with two dates: that upon which the operation             the theft is reported, as applicable, to the police       creditor who has not been paid or by means of
occurred and the value date.                              authorities. Any written stop payment order               third holder notification notified by the Trésor
- The former is the accounting date recorded              presented for any other grounds than those                Public (French tax authorities) for preferential
for this operation, subject to its successful             listed above is unlawful and may not be                   tax claims. These funds can also be blocked if
conclusion; this date is the only one considered          registered by the bank. In the event that the             the Caisse Régionale receives a third holder
by the Regional Funding Office for the                    actual grounds of your stop payment order                 stop payment order, notified by the competent
determination of funding in your account;                 prove to be unlawful, you shall be held liable            organisations and administrative bodies.
- the value date is connected to the practical            therefore both under civil and criminal law.
delay in completion of this operation by the                                                                        2-5 – BASIC BANKING SERVICES
bank; this date has no significance except for            2-4-6 – Regulations concerning unfunded                   When you open an account in following the
the possible calculation of accrued interest.             cheques                                                   provisions of Article L. 312-1 of the CMF, thus
                                                          2-4-6-1 – General provisions                              establishing a right to an account, the Regional
II-4-3 – Rectification of statements                      In the case of an unfunded cheque, the                    Funding Office places at your disposition the
The Caisse Régionale may be required to                   Regional Funding Office:                                  products and services enumerated in the first
make the following rectifications:                        - will inform you before the refusal of the               Article of the decree No. 2001-45 of the 17th of
* on the debit side:                                      cheque, by any appropriate means, that the                January 2001. In a scenario where this account
If cheques remitted (referred to “under reserve”)         balance of your account will not permit the               opening was imposed upon the Regional
prove to be unpaid, the entry of their amount on          cheque to be honoured and will ask you to fund            Funding Office by the Banque de France,
Caisse Régionale de Crédit Agricole Mutuel de Provence Côte d'Azur société coopérative à capital variable, agréée en tant qu'établissement de crédit, dont le siège social
est à DRAGUIGNAN - Les Négadis - Avenue Paul Arène - BP 78 - 83002 DRAGUIGNAN Cedex et la Direction Générale est à Saint Laurent du Var - 111 Av. Emile Dechame -
BP250 - 06708 Saint Laurent du Var Cedex - 415 176 072 RCS Draguignan - code APE 6419 Z Société de courtage d'assurances, immatriculée au Registre des Intermédiaires
                                en Assurances sous le n° 07 005 753 Téléphone 04 94 84 40 40 - Télécopie 04 94 84 43 14 - Télex 970062
                                                                                                                                                           BANDEP017 A
                                                                                                                                                                 V 1 07-08
                                                                                  3
                CAISSE REGIONALE DE CREDIT AGRICOLE MUTUEL PROVENCE COTE D'AZUR
                Société Coopérative à Capital variable, agréée en tant qu'établissement de crédit. Siège social situé Avenue Paul Arène - Les
                Négadis - 83300 DRAGUIGNAN –RCS DRAGUIGNAN 415 176 072. Société de courtage d’assurance immatriculée au Registre des
                Intermédiaires en Assurance sous le n° 07005753 consultable sous www.orias.fr

following the refusal by the establishment of             are indicated in the applicable tariff structure
your choice to open an account, the Regional              that includes the general banking conditions,             Debit amount = 500 x 10 = 5,000
Funding Office will provide you with these same           except where a different rate has been agreed             Interest due = ((5,000 x 15%) / 365 = €2.055
products and services without charge.                     in the specific conditions or by a separate               APR = (((2.055 / 5,000) + 1)365)-1) x 100 =
The account must then function solely as one              agreement. The interest and commissions                   16.18%
that remains in credit.                                   resulting from an overdraft are paid via the
                                                          debit to your account at the end of each                  ARTICLE 4 – OTHER ACCOUNTS
ARTICLE 3 – TARIFF STRUCTURE                              quarter.     The debit interest is calculated for         4-1 – Undivided accounts
3-1 – charges and commission – amendment                  each of the daily overdraft balances of the               The undivided account operates under the joint
clause                                                    account by value date. You will be informed of            signature of all the co-account holders, except
The commission and/or charges applicable to               an overdrawn position of your account and of              where they provide a management mandate to
the operations and services from which you                the amount of the fees, commissions and                   one of themselves or to a third party or if they
benefit or can benefit within the context of the          accrued interest by means of your regular                 provide reciprocal mandates. The co-account
management of your account that are specified             account statements.         Except where an               holders make a binding committment to the
in this agreement or that are the subject of              agreement to the contrary exists, the existence           Regional Funding Office who can, if the
specific agreements are indicated in the                  of an overdrawn position constitutes an                   account goes overdrawn, reclaim the entire
adjoining tariff structure extract that includes          irregular situation and must remain occasional            balance from one of them, even after closure of
the general banking conditions and which forms            and exceptional; it does not give you any right           the account. In case of closure, any credit
an integral part of them.                                 in this context on subsequent occasions. In               balance resulting after the completion of the
The same is true for:                                     case where a request for repayment of an                  current operations will be allocated in
• the value dates applied to the operations,              overdraft remains unsatisfied for more than 90            conformity with the instructions that will be
• the charges relating to the application of              days, you may be registered in the national File          given jointly by all the co-account holders or
your bank card contract, known as a, “holder’s            of Payment Incidents (FICP).                              their proxy.
contract,” or any other specific agreement that
covers the utilisation of all other means of                                                                        4-2 – Joint account
payment,                                                                                                            The joint account operates in the same way
• the charges applicable to incidents                     3-2-2 – Overdraft interest rate                           under the signature of any one of its co-account
occurring during the operation of the account,            This rate of interest is adjustable. At every             holders. Each account holder has an obligation
notably those resulting in an unauthorised                change in the reference index upon which it is            to inform the co-account holder(s) of the
overdraft or to those occuring when making                based, the new rate of interest will be brought           operations that he initiates and of the orders
payments.                                                 to your notice by any appropriate means but               that he gives. This account involves an active
In addition, all of the current tariff conditions of      notably via mention on your account statement.            and passive collective commitment. That is to
the Regional Funding Office are always                    The inclusion of this interest rate on your               say that each of the co-account holders can
available in your branch.                                 account statement does not signify that you               possess the entire balance of the account and
You authorise the Regional Funding Office to              have been or will be accorded an overdraft                in the case of an overdrawn account, the
debit your account for the collection of these            facility. Your acceptation of the rate of interest        Regional Funding Office can reclaim the entire
charges and commissions, as well as the                   will result from your decision to initiate, being         balance from one of them, even after closure of
management and all other charges and                      fully aware of the consequences, operations               the account.
commissions of any nature whatsoever, figuring            resulting in an overdrawn position.                       In the event of an overdraft facility granted
in the tariff structure that include the general                                                                    separately to one or other of the joint
banking conditions.                                       3-2-3 – Detailed conditions: overdraft interest           holders, the repayment may be claimed from
These general banking conditions will be able             rate of a foreign currency account or sub-                all joint holders.
to be revised and become the subject of new               account:                                                  In case of unfunded cheques, see above:
fees, charges and commissions. The Regional               Interest is calculated daily at the loan rate on
                                                                                                                    section 2-4.6.
Funding Office is obliged to communicate to               the foreign exchange market in Paris in the
                                                                                                                    In the event of death of one of the joint holders,
you in writing the new tariff conditions at least 3       currency in which the sub-account is
                                                                                                                    of which the latter undertake to inform the
months in advance of their first being applied.           denominated. This rate then has a margin,
                                                                                                                    Caisse Régionale as soon as possible, please
The proof of the communication of this                    commission and other costs as specified in the
                                                                                                                    refer to point 5-1-3.
information by the Regional Funding Office can            general banking conditions, added to it. In this
                                                                                                                    The termination of the joint liability for the joint
be established by any means. The absence of               case the interest, which accrues monthly in
                                                                                                                    bank account or the withdrawal thereof result
any challenge on your part within 2 months                arrears and is payable in the overdrawn
                                                                                                                    from a written request signed by both joint
after the date of this communication will imply,          currency either in a sub-account or in the Euro
                                                                                                                    holders, delivered to the branch or sent by
except where you provide proof to the contrary,           account, at the choice of the Regional Funding
                                                                                                                    recorded letter to the Caisse Régionale.
your acceptance of the new tariff. In case of             Office.     You are liable for the cost of the
                                                                                                                    However, without the consent of the other joint
refusal on your part, you are entitled to                 possible currency exchange necessary for this
                                                                                                                    holders, by making a written request to the
renounce this agreement under the conditions              debit to your account. The exchange rate used
                                                                                                                    branch or by sending one by recorded letter to
specified in Article V, without charges or                will be that of the purchase rate of the currency
                                                                                                                    the Caisse Régionale, and with responsibility
commission.                                               of the overdrawn account, against the currency
                                                                                                                    for informing the other joint holders thereof,
                                                          of one of the sub-accounts or Euro account on
                                                                                                                    each of the joint holders may:
3-2 – Overdraft interest and commissions                  the Paris exchange on the day that interest falls
                                                                                                                    - either put an end to the collective
3-2-1 – General provisions                                due.
                                                                                                                    commitment, so that the account can only
Unless otherwise agreed, your account must                                                                          function until its closure under the joint
always be in credit when a payment order is               3-2-4 - Example of interest and APR calculation
                                                                                                                    signature of the co-account holders,
issued. If, however, your account goes                    The Annual Percentage Rate (APR) is a rate
                                                                                                                    - or withdraw from the account, which would
overdrawn, the balance of your account will be            calculated     by   applying    the     so-called
                                                                                                                    then be automatically transformed into an
subject to interest charges owed to the                   “equivalent” method. It can only be calculated
                                                                                                                    account open in the name of the remaining co-
Regional Funding Office until complete                    after the event, depending on the effective
                                                                                                                    account holders. This withdrawal carries the
repayment, except in the case where an                    operation of your account. It is given to you
                                                                                                                    renunciation by him to all rights relating to the
overdrawn position would be due to a fault or             every quarter, when interest is collected. For
                                                                                                                    account, subject to the respect of his
error on the part of the Regional Funding                 your information, an example of APR
                                                                                                                    obligations in relation to the Regional Funding
Office.                                                   calculation is presented for a debit rate of 15%
                                                                                                                    Office for all operations prior to his withdrawal.
The rate of interest applicable as well as the            per annum and a €500 overdraft facility used
                                                                                                                    In addition, he has to personally arrange for the
possible corresponding fees and commissions               for 10 days.
Caisse Régionale de Crédit Agricole Mutuel de Provence Côte d'Azur société coopérative à capital variable, agréée en tant qu'établissement de crédit, dont le siège social
est à DRAGUIGNAN - Les Négadis - Avenue Paul Arène - BP 78 - 83002 DRAGUIGNAN Cedex et la Direction Générale est à Saint Laurent du Var - 111 Av. Emile Dechame -
BP250 - 06708 Saint Laurent du Var Cedex - 415 176 072 RCS Draguignan - code APE 6419 Z Société de courtage d'assurances, immatriculée au Registre des Intermédiaires
                                en Assurances sous le n° 07 005 753 Téléphone 04 94 84 40 40 - Télécopie 04 94 84 43 14 - Télex 970062
                                                                                                                                                           BANDEP017 A
                                                                                                                                                                 V 1 07-08
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                CAISSE REGIONALE DE CREDIT AGRICOLE MUTUEL PROVENCE COTE D'AZUR
                Société Coopérative à Capital variable, agréée en tant qu'établissement de crédit. Siège social situé Avenue Paul Arène - Les
                Négadis - 83300 DRAGUIGNAN –RCS DRAGUIGNAN 415 176 072. Société de courtage d’assurance immatriculée au Registre des
                Intermédiaires en Assurance sous le n° 07005753 consultable sous www.orias.fr

change to any standing orders that exist on this          thenceforth    operates according            to   the     * without warning in the case of a serious case
joint account.                                            procedures specified by the court.                        of misuse;
In both cases, if the account has a debit                                                                           * via advance notice of 45 days when the
balance once corrected by transactions in                 4-6-3 - Information of the Judge supervising the          account was opened upon an order of the
progress, the Caisse Régionale may demand                 guardianship                                              Banque de France ;
its immediate repayment of one or other of the            It is expressly agreed that the Caisse                    * via advance notice of 30 days in all other
joint and several debtors.                                Régionale is released from the duty of                    cases.
                                                          professional secrecy, in relation to the Judge            The closure will be notified to the other party by
4-3 - Account opened for a person bound by a              supervising the guardianship, as regards the              a     recommended          letter     with      an
PACS (free union) contract.                               opening or operation of the account of the                acknowledgement of receipt. It will involve the
If you are bound by a PACS (free union)                   person of age who is under judicial disability.           immediate return by you of all cheque-books
contract and except in the event that you                                                                           and cash withdrawal or payment cards held by
expressly decide to open a joint account with             4-7 – FOREIGN CURRENCY ACCOUNTS                           you and, where appropriate, by your proxies or
your partner (refer to Art 4-1), it is expressly          Concerning the foreign currency accounts and              co-account holders.
agreed that, both for the opening and the                 their requirement for reconciliation against Euro
operation of this account, you act in your own            accounts, their conversion into Euros will be             5-1-3 – Closure in case of death of the account
name.                                                     done using the buying or selling exchange rate            holder
Consequently all transactions shall be initiated          employed by your Regional Funding Office for              The Regional Funding Office, when informed of
in this account only with your signature and in           the currency concerned.                                   the death of the account holder, will block the
your own interest.                                        Subject to the current legislation, foreign               operation of the account except where a joint
                                                          currency deposits held in sub-accounts can pay            account is involved. After the completion of the
4-4 - Account opened for a person bound by a              interest calculated daily at the deposit rate on          current operations, it will make a wire transfer
PACS (free union) contract.                               the foreign exchange market in Paris in the               of the balance of the account to the heirs or to
If you are bound by a PACS (free union)                   currency in which the sub-account is                      the notary handling the inheritance.
contract and except in the event that you                 denominated. This rate then has a margin,                 In case of the death of one of the co-account
expressly decide to open a joint account with             commission and other costs as specified in the            holders of a joint account, the Regional
your partner (refer to Art 4-1), it is expressly          general banking conditions, subtracted from it.           Funding Office will not block the account when
agreed that, both for the opening and the                 The interest paid in the currency is credited in          it is informed of the death. It continues to
operation of this account, you act in your own            arrears, either to a sub-account or to the Euro           operate under the signature of the other co-
name.                                                     account, at the choice of the Regional Funding            account holder(s), except in the case of
Consequently all transactions shall be initiated          Office. The account holder has to pay for the             opposition from one of the heirs of the
in this account only with your signature and in           costs of any currency conversion that results             deceased, registered with the Regional Funding
your own interest.                                        from this payment.                                        Office via a recommended letter with an
                                                                                                                    acknowledgement of receipt.
4-5– The account of a minor                               ARTICLE 5 – DURATION – CLOSURE AND
4-5-1 – The account of a minor who has been               TRANSFERRAL OF THE ACCOUNT                                5-2 – Transference of the account
assigned the status of an adult by the court              5-1 - Duration – Closure - Cancellation                   You can request the transfer of your account to
operates under his sole signature.                        5-1-1 – General provisions                                another branch of your Regional Funding Office
                                                          This agreement is concluded for an                        at any time, without charge or a change in your
4-5-2 - The account of the non-emancipated                indeterminate duration. As a consequence, it              account number. The request the transfer of
minor only works with the signature of the legal          can be cancelled at any time by either one of             your account to another establishment
representative.                                           the parties. The cancellation occurs subject to           necessitates the closure of your account.
The legal representative may authorize the                payment for the following operations:
minor to use the account with only the                    • cheques written as well as card payments                5-3 – Absence of charge at closure or of
signature thereof. In any event, the legal                and withdrawals,                                          transfer caused by a significant modification
representative is responsible for the use of the          • wire payments and debits to the account                 of the agreement.
account and must cover the Caisse Régionale               You must maintain a sufficient balance to                 In the case of a closure or transferral of
for any consequence attributable to the minor             ensure the successful completion of the                   account initiated by you following the contesting
resulting from the transactions made on the               operations being processed, during the relevant           of a significant modification to this agreement,
account. For this purpose, the legal                      period until their resolution.                            this will be done without charge.
representative authorises the Caisse Régionale            The closure of the account does not stop the
to debit, if any, his/her own account.                    accural of interest that will be included in the          ARTICLE 6 – COMPENSATION CLAUSE
                                                          balance of any overdrawn accounts, according              You authorise the Regional Funding Office to
4-6 – The account of a dependent adult                    to the conditions applicable on the day of the            offset, without any formality beforehand, every
4-6-1 – Opening and operation                             cancelation of the account and this will continue         balance of this account with every balance of
The account can only be opened after                      until full repayment occurs.                              other accounts open with the Regional Funding
consideration and upon the conditions and                 In the case where no bank will open an account            Office and of which you are the account holder
rules of operation contained within the court’s           in your name you can, in conformity with Article          except where such offset is impossible due to
decision.                                                 L. 312-1 of the CMF, place a request at the               legal and regulatory standards that govern the
                                                          Banque de France with supporting documents                operation of these accounts or where this offset
4-6-2 – The implementation of protective                  so that it can specify an establishment likely to         would be disadvantageous to you.
measures in the operation of the account                  accommodate you.                                          You authorise the Regional Funding Office to
In this case, it is for the representative of the                                                                   retain the credit balance of the account and
protected person:                                         5-1-2 – Closure at the instigation of the account         more generally, all amounts and assets that
- to inform the Regional Funding Office of this           holder(s) or of the Regional Funding Office               belong to you, so long as your obligations in
measure upon presentation of the decision of              The account can be closed by you or by your               respect of the Regional Funding Office have
the court implementing the protective                     co-account holder for joint accounts, at any              not been fulfilled.
measures,                                                 time and without warning; the instigator is               This clause does not establish for the different
- to retrieve the means of payment held by the            charged to inform the co-account holder(s). An            accounts a range of interest rates; this must be
person who has become a dependent adult,                  undivided account can be closed by the                    the subject of a separate agreement.
- to request the opening of an account or the             collection of co-undivided account holders.               Concerning accounts in foreign currencies, and
modification of the existing account so that it           The Regional Funding Office can close the                 for the purposes of offsetting with accounts in
                                                          account:                                                  EUR, they shall be converted into EUR
Caisse Régionale de Crédit Agricole Mutuel de Provence Côte d'Azur société coopérative à capital variable, agréée en tant qu'établissement de crédit, dont le siège social
est à DRAGUIGNAN - Les Négadis - Avenue Paul Arène - BP 78 - 83002 DRAGUIGNAN Cedex et la Direction Générale est à Saint Laurent du Var - 111 Av. Emile Dechame -
BP250 - 06708 Saint Laurent du Var Cedex - 415 176 072 RCS Draguignan - code APE 6419 Z Société de courtage d'assurances, immatriculée au Registre des Intermédiaires
                                en Assurances sous le n° 07 005 753 Téléphone 04 94 84 40 40 - Télécopie 04 94 84 43 14 - Télex 970062
                                                                                                                                                           BANDEP017 A
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                                                                                  5
                CAISSE REGIONALE DE CREDIT AGRICOLE MUTUEL PROVENCE COTE D'AZUR
                Société Coopérative à Capital variable, agréée en tant qu'établissement de crédit. Siège social situé Avenue Paul Arène - Les
                Négadis - 83300 DRAGUIGNAN –RCS DRAGUIGNAN 415 176 072. Société de courtage d’assurance immatriculée au Registre des
                Intermédiaires en Assurance sous le n° 07005753 consultable sous www.orias.fr

according to the buying or purchase rate of the           Office to pass to the Mediator all the relevant           assets) or again to the Banque de France (file
currency concerned by your Caisse Régionale.              documents      and    information    for    the           of banking prohibitions, file of the incidents of
                                                          accomplishment of his mission: you release the            loan repayments).
ARTICLE 7 - PROOF                                         Regional Funding Office from banking secrecy              In addition, you expressly authorise the
7-1 – Applicables principles                              obligations concerning yourself for the                   Regional Funding Office to share the data
The proof of the operations effected on the               purposes of the mediation.                                concerning you and possibly to update it in
account result from the accounting statements                                                                       conjunction with the following third parties:
of the Regional Funding Office, except where              ARTICLE 9 – PROCEDURE OF THE                              - any entity of the Crédit Agricole Group, for
you provide proof to the contrary.                        EVOLUTION OF THE AGREEMENT                                   marketing purposes or where resources are
You are obliged to conserve, for legal term, the          Changes to the agreement, other than those                   being pooled or companies reorganised;
supporting documentation for your operations:             imposed by the law or regulations or                      - the service providers of the Regional Funding
account statements, sub-invoices, remittance              concerning the invoicing will be brought to your             Office    participating     notably    in  the
statements, etc. Where you use telephone, IT              attention via a notification two months in                   management of the bank account and the
and remote IT services of the Regional Funding            advance and must satisfy the following                       range of banking and financial products and
Office, you undertake to respect the procedures           conditions. If it relates to the withdrawal of a             this only for the working requirements of
and rules that have been indicated to you,                service, the modifications will not take effect              these service providers ;
particularly of authentification. Only the                until after your agreement has been received.             - our partners, in order to permit you to benefit
acceptance of these rules will permit the client          If it concerns the addition of a new service or              from the advantages of the partnership in
to use these services. The recording on                   the improvement of an existing service, the                  which you have engaged and, where
different media (electronic, IT or of same type)          Regional Funding Office will describe to you the             appropriate in the context of exclusive
or their reproduction on some IT media                    details of this new service or the improvements              partnership agreements.
constitutes proof of the operations effected and          being made that, in any case, even where it               You also authorise the Regional Funding Office
the justification of their attribution to the             can be used immediately, will not be able to be           to communicate your personal co-ordinates
account. In case of a contradiction between               accompanied by any modification of the tariff.            (name, address, telephone number) to the
the recording of the telephone conversation or            In case of disagreement, it is possible for you           market research organisations that operate
the digital recording of operations conserved by          to cancel this agreement at any time.                     solely on behalf of the Regional Funding Office
the Regional Funding Office and the written                                                                         for statistical purposes, being aware that you
confirmation of the Client, the former will be            ARTICLE 10 – OBLIGATIONS OF                               are not obliged to respond to their enquiries
assumed to be correct. Proof to the contrary              CONFIDENTIALITY / BANKING SECRECY                         and that your data is destroyed after treatment.
can be produced by any means by the account               No information will be communicated to third              Finally, you authorise the passing of
holder.                                                   parties except where you have given specific              information concerning you to one or several
                                                          agreement to do so in advance or if the law               companies of the Crédit Agricole group,
7-2 – Telephone recordings                                obliges the Regional Funding Office to do so,             charged with operational risk management
The client expressly authorises the Regional              notably in respect of the monetary authorities,           (evaluation of risk, security and the prevention
Funding Office to record his telephone                    the tax administration or a criminal judge. The           of unpaid invoices and fraud, the fight against
conversations with its employees. These                   Regional Funding Office is obliged to respect             money – laundering…) for the benefit of the
recordings will be conserved for a maximum of             professional secrecy according to the                     collection of entities of the group.
6 months. The recording of the telephone                  regulations currently in force.                           The list of entities of the Crédit Agricole Group
conversations and the digital recordings will be                                                                    likely to be beneficiaries of information
conserved      under    appropriate     security          ARTICLE 11 – GUARANTEE OF DEPOSITS                        concerning the client will be communicated to
conditions.                                               In application of the law, the Regional Funding           him upon request by him to the address
                                                          Office participates in the Funds serving to               indicated in the specific conditions.
ARTICLE 8 – INFORMATION / COMPLAINTS                      guarantee deposits.                                       You may object to your personal information
/ MEDIATION                                                                                                         being disclosed to third parties or used by the
8-1 - Your branch is on hand to provide you               ARTICLE 12 – IT LAW AND THE                               Caisse Régionale for commercial purposes.
with all the information you may require about            PROTECTION OF DATA                                        You may also, at any time, exercise this right,
the operation of your account as well as to               The information gathered by the Caisse                    access the information or have it rectified, by
respond to any complaints. In the latter case,            Régionale in its capacity as processing                   sending an ordinary letter to the Customer-
you may also contact the Customer-Complaints              manager is required to open, keep and operate             Complaints department of your Caisse
department, which will endeavour to find the              your account and to manage the banking                    Régionale de Crédit Agricole Mutuel. Your
best solution to your dispute, by writing to the          relationship. It may be processed electronically          request must be signed and sent with a copy of
address of your Caisse Régionale.                         for the purposes and in the manner set forth              an ID document bearing your signature.
                                                          hereinafter.                                              Postage shall be refunded to you on request.
8-2 – Referral to the Ombudsman                           The Regional Funding Office will principally use
f your dispute arises out of or in connection with        them for the following purposes: knowledge of             ARTICLE 13 - LAW APPLICABLE –
the application of Articles L 312-1-1 and L 312-          the client, management of the banking and                 COMPETENT COURTS
1-2 of the French Monetary and Finance Code,              financial relationship, granting of credits,              The law applicable to this agreement is French
you can also contact an Ombudsman at no                   management of products and services,                      law. The competent courts are the French
cost, by writing to the following address:                recovery of debts, market research and sales,             courts.
Monsieur le Médiateur - BP 90068                          statistical     studies,    assessment       and
83002 DRAGUIGNAN CEDEx                                    management of risk, security and the
                                                                                                                    ARTICLE      14     -   CANVASSING       AND
The Mediator will send you a document that will           prevention of unpaid invoices and of fraud.
                                                                                                                    TELESALES
allow you to explain your complaint and will              Your operations and personal data are covered
indicate the next steps in the procedure. In                                                                        Unless otherwise specified, this agreement
                                                          by professional secrecy, to which the Regional
addition, you can find more information on this                                                                     shall become effective upon execution.
                                                          Funding Office is obliged to adhere.
procedure either in the branch or on the                                                                            The holder has two weeks in which to revoke
                                                          Nevertheless, in order to satisfy legal and
Internet site of your Regional Funding Office                                                                       the contract, without any cost or penalty and
                                                          regulatory requirements, the Regional Funding
under the heading, “MEDIATION CHARTER,”                                                                             without being required to give reasons for the
                                                          Office is sometimes obliged to communicate
the engagement of which via use of the form                                                                         decision, when a canvassing operation
                                                          some information to the judicial authorities or
there requires you to explain your complaint.                                                                       precedes the execution of the contract (article
                                                          legally qualified administrators. Thus, for
This is necessary for the application to the                                                                        L341-1 of the French Monetary and Finance
                                                          example, certain information must be sent to
Mediator.     To support this procedure, you                                                                        Code) or when the contract was fully made and
                                                          the tax administration (declarations of account
expressly authorise the Regional Funding                                                                            entered into remotely (Article L 343-1 of the
                                                          opening, declarations of income from financial
Caisse Régionale de Crédit Agricole Mutuel de Provence Côte d'Azur société coopérative à capital variable, agréée en tant qu'établissement de crédit, dont le siège social
est à DRAGUIGNAN - Les Négadis - Avenue Paul Arène - BP 78 - 83002 DRAGUIGNAN Cedex et la Direction Générale est à Saint Laurent du Var - 111 Av. Emile Dechame -
BP250 - 06708 Saint Laurent du Var Cedex - 415 176 072 RCS Draguignan - code APE 6419 Z Société de courtage d'assurances, immatriculée au Registre des Intermédiaires
                                en Assurances sous le n° 07 005 753 Téléphone 04 94 84 40 40 - Télécopie 04 94 84 43 14 - Télex 970062
                                                                                                                                                           BANDEP017 A
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                CAISSE REGIONALE DE CREDIT AGRICOLE MUTUEL PROVENCE COTE D'AZUR
                Société Coopérative à Capital variable, agréée en tant qu'établissement de crédit. Siège social situé Avenue Paul Arène - Les
                Négadis - 83300 DRAGUIGNAN –RCS DRAGUIGNAN 415 176 072. Société de courtage d’assurance immatriculée au Registre des
                Intermédiaires en Assurance sous le n° 07005753 consultable sous www.orias.fr

French Monetary and Finance Code). This
period starts from the execution of the contract
or receipt of the contractual conditions and prior
information if such receipt occurs subsequently.
The commencement of the contract shall not
deprive the holder of the revocation right.
Exercising the revocation right terminates the
contract.
In the event that the revocation right is
exercised and if performance of the contract
has commenced, the holder shall pay the price
corresponding to the use of the product or
service    for    the   period    between     the
commencement of the contract and the
revocation date, to the exclusion of any other
amount. From the day the holder informs the
Caisse Régionale of his/her desire to revoke
the contract and no later than within 30 days,
the holder shall return to the Caisse Régionale
any monies as well as any means of payment
received in performance of the contract. The
holder may revoke the contract using the form
provided with the general terms.




Caisse Régionale de Crédit Agricole Mutuel de Provence Côte d'Azur société coopérative à capital variable, agréée en tant qu'établissement de crédit, dont le siège social
est à DRAGUIGNAN - Les Négadis - Avenue Paul Arène - BP 78 - 83002 DRAGUIGNAN Cedex et la Direction Générale est à Saint Laurent du Var - 111 Av. Emile Dechame -
BP250 - 06708 Saint Laurent du Var Cedex - 415 176 072 RCS Draguignan - code APE 6419 Z Société de courtage d'assurances, immatriculée au Registre des Intermédiaires
                                en Assurances sous le n° 07 005 753 Téléphone 04 94 84 40 40 - Télécopie 04 94 84 43 14 - Télex 970062
                                                                                                                                                           BANDEP017 A
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                CAISSE REGIONALE DE CREDIT AGRICOLE MUTUEL PROVENCE COTE D'AZUR
                Société Coopérative à Capital variable, agréée en tant qu'établissement de crédit. Siège social situé Avenue Paul Arène - Les
                Négadis - 83300 DRAGUIGNAN –RCS DRAGUIGNAN 415 176 072. Société de courtage d’assurance immatriculée au Registre des
                Intermédiaires en Assurance sous le n° 07005753 consultable sous www.orias.fr




  FORM RELATING TO THE RETRACTION PERIODAS SPECIFIED BY ARTICLE L .341-16 OF THE MONETARY AND
                                       FINANCIAL CODE


  This form is to be sent to your Regional Funding Office of Crédit Agricole 14 days from the conclusion of the contract at
  the latest.

  Address (of the Regional Funding Office)


  This retraction is only valid if sent within 14 days as specified in Article 1. 341-16 of the Monetary and Financial
  Code, in a legible format and completely filled in.

  I, the undersigned………


  confirm that I renounce the agreement for an individual and associations account
  that I had agreed the …/../…

  With the Regional Funding Office of Crédit Agricole of……..

  Date:                       Signature of the client and
  that I had agreed the …/../…

  With the Regional Funding Office of Crédit Agricole of……..

  Date:


  Signature of the client and of the joint signatory, where necessary:




Caisse Régionale de Crédit Agricole Mutuel de Provence Côte d'Azur société coopérative à capital variable, agréée en tant qu'établissement de crédit, dont le siège social
est à DRAGUIGNAN - Les Négadis - Avenue Paul Arène - BP 78 - 83002 DRAGUIGNAN Cedex et la Direction Générale est à Saint Laurent du Var - 111 Av. Emile Dechame -
BP250 - 06708 Saint Laurent du Var Cedex - 415 176 072 RCS Draguignan - code APE 6419 Z Société de courtage d'assurances, immatriculée au Registre des Intermédiaires
                                en Assurances sous le n° 07 005 753 Téléphone 04 94 84 40 40 - Télécopie 04 94 84 43 14 - Télex 970062
                                                                                                                                                           BANDEP017 A
                                                                                                                                                                 V 1 07-08
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