my bank - how it works

private clients my bank - how it works The Crédit du Nord Group resulted from the merging of some 80 regional banks with a history of over 160 yea...
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private clients

my bank

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how it works

The Crédit du Nord Group resulted from the merging of some 80 regional banks with a history of over 160 years of pooling their strengths and their talents. We have constantly lived up to our promise to make professionalism and innovation two of our prime concerns. The Group is made up of eight banks - Courtois, Kolb, Laydernier, Nuger, Rhône-Alpes, Tarneaud, Société Marseillaise de Crédit and Crédit du Nord - and a stockbroking firm, Gilbert Dupont. The Group’s 10,000 employees and its network of 936 branches serve close on 1,920,000 private customers, 200,000 professionals and 46,100 corporate clients. As a customer of Crédit du Nord Group, you will enjoy all the benefits of a regional bank on a human scale coupled with those of a nationwide banking group.

Crédit du Nord Nord Métropole

Lille

Les Provinces du Nord

Arras

Picardie Normandie Haute-Bretagne

Amiens Rouen Nancy

Paris

Banque Kolb Banque Tarneaud Banque Nuger

Ile-de-France

Banque Rhône-Alpes Limoges Clermont-Ferrand

Lyon

Annecy

Banque Laydernier Banque Courtois

Monaco Provence-Alpes Côte d’Azur

Toulouse

Marseille

Société Marseillaise de Crédit

Monaco

International clients

As far as we are concerned, the term relationship banking still means something. We place great importance on building up a relationship of trust with our clients, founded on closeness to customers, willingness to listen and readiness to help. Providing clear information about your account management services is an integral part of the quality of service you are entitled to expect from us. That is where this guide comes in: designed for simplicity, it will help you manage and make the best use of your account and the services that come with it. Your Account Officer is also on hand at all times to provide you with any advice you might need and to help you complete any formalities required.

Download this document sommaire in printable PDF format.

first steps to a current account day-to-day banking needs remote banking

resident or non-resident status for tax purposes

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overdraft facility (ftt)

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opening an account

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revolving loan: etoile avance

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your account identification details (rib)

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personal loan: etoile express

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getting started

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home loan

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bank statements

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DAY-TO-DAY BANKING NEEDS. bank card

LOANS.

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SAVINGS AND INVESTMENTS.

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savings

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financial investments

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cheque book

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securities account

cashier’s cheques

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equity savings plan (pea)

means of payment insurance

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assurance vie

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norplus/tarneaud plus advantages

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summing up

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REMOTE BANKING.

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FACT SHEETS.

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telephone banking

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online banking

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mobile online banking

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sms or e-mail

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- residents only

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loans

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remote banking

 FIRST STEPS TO A CURRENT ACCOUNT

day-to-day banking needs savings and investments fact sheets

fact sheets

savings and investments

first steps to a current account

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first steps to a current account

your account identification details (rib) The RIB is a number that uniquely identifies your bank account. It is issued by the bank when your account is opened.

day-to-day banking needs

Even if at least one of these criteria is met, however, you may not be considered as resident in France for tax purposes if you are considered as a resident of another state with which France has signed a tax treaty. Your status for tax purposes determines the tax treatment of your income and the type of savings you are permitted to hold. Knowing your tax status will give you a better understanding of your banking situation and your tax liability.







remote banking

① ② You will find copies of your RIB: ⑥ - on your bank statement, - in your chequebook, - available to download from our Web site(2), - available from your Account Officer.

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It consists of: ① a bank code, ② a branch sort code, ③ an account number, ④ a RIB code, ⑤ the name of your branch.

resident or non-resident status for tax purposes In order to be considered as resident for tax purposes, you will need to meet at least one of the following four criteria: - your household, the place where you and your family live, must be in France, - you reside principally (i.e. over 183 days a year) in France(1), - you conduct your “main” professional activity in France, - the centre of your economic interests is based in France.

remote banking

first steps to a current account

first steps to a current account

To receive payments from abroad, you will need to provide the overseas bank with your International Bank Account Number (IBAN).

getting started

➜ Paying in your salary To speed up the processing of your income (salary, benefits, investment income, etc.), simply provide your employer or the relevant organisations with a copy of your RIB. PRACTICAL HELP If you wish, we can handle the formalities of notifying French organisations of the transfer of your bank account; simply inform your Account Officer of the various parties concerned (tax office, Social Security centre, EDF, etc.) who will need to be notified and sign an authorisation to that effect. Once you have provided all the necessary details (tax identification number, telephone numbers, contract numbers, etc.), your Account Officer will pass on the information without loss of time. If you prefer to handle matters yourself, you can fill in an online form on a dedicated Web site. This service is entirely free of charge and relieves you of all administrative formalities.

USEFUL INFORMATION

NB: minors wishing to open an account must be accompanied by their legal representative, who must provide proof of status (“livret de famille”, ID card or birth certificate). 3

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fact sheets

fact sheets

In order to claim non-resident status, you will need to provide your bank with proof of your foreign residence for tax purposes, in the form of: - a certificate of residence, - a copy of your foreign income tax statement, - as a last resort, a certificate of residence issued by an authority other than the tax administration (town hall, consulate).

savings and investments

savings and investments

You can have your income (cheques and transfers) paid into this account, and use it to pay most of your bills. These are the documents you will need to open an account: - identification (national identity card, passport, residence permit), - proof of address (telephone, gas or electricity bill), - proof of income (employment contract or payslip).

loans

loans

opening an account To open an account with us, simply make an appointment with an Account Officer at one of our branches. To find the nearest branch, click here

(1) Except for the year in which you transfer your residence. (2) Terms and conditions apply. contents

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bank statements



You will receive a free monthly statement summarising the position of all your accounts.

Transfers

The statement shows, in date order or by theme, all entries made on your account: transfers received, cheques deposited, cash withdrawals, direct debits, etc.). If you prefer, you may opt to receive your statement online instead. The service is free of charge and enables you to consult, download or print your bank statements whenever you wish.

To transfer funds from your account in France to an overseas account, you can make currency transfers via our Web site(1) if you have first registered the account (with IBAN details) with your Account Officer.

Click here to see a fact sheet explaining your bank statement

USEFUL INFORMATION If you wish to monitor your account more frequently, you can opt to receive a statement every ten days or even daily (to request this option, which carries a small charge(1), simply contact your Account Officer).

Standing orders

By signing up to our online banking service(1), you are free to consult your accounts whenever you wish.

You can also set up standing orders to make regular payments. Transfers are made automatically from your account at the intervals (monthly, quarterly, etc.) you specify. You can also use this method to set up regular saving plans.



Click here for more information on our online banking service(1)

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To set up a standing order, simply make the request: - through your Account Officer, - via our Etoile Direct telephone banking service (on 0 892 894 894(2) if calling from France or on +33 1 41 88 75 20 if calling from outside France), - via our Web site(1).

loans

loans



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remote banking

remote banking

To make a transfer in France or to an overseas account, simply issue an instruction: - through your Account Officer, - via our Etoile Direct telephone banking service (on 0 892 894 894(2) if calling from France or on +33 1 41 88 75 20 if calling from outside France), - via our Web site(1).

day-to-day banking needs

day-to-day banking needs

To make a transfer, simply instruct your branch to debit a given sum of money to your account and credit it to another. If the beneficiary of the transfer is a third party, the transfer order must include an RIB for the beneficiary’s account. The transfer will only be made if you have sufficient funds on your account.

first steps to a current account

➜ Paying your bills

USEFUL INFORMATION savings and investments

savings and investments

Transfers are made in euros. If you have signed up to our online banking service(1), you can carry out transfers from your own computer. Online transfers to a bank within the European Union are free of charge. A fixed fee and foreign exchange commission will be charged to your account if you make a transfer outside the euro zone(1).

fact sheets

fact sheets

Direct debits Direct debits allow you to make regular payments (tax, electricity or phone bills, for example) without sending a cheque by mail. All you have to do is fill in and return the direct debit authorisation that the provider will easily provide on request. (1) Terms and conditions apply. (2) e0.34/minute including VAT from a landline, operator surcharges may apply.

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Main features

day-to-day banking needs remote banking loans savings and investments

- e500/day from Crédit du Nord Group and Société Générale ATMs, free of charge. - e300 per 7-day period (in addition to withdrawals from Group ATMs) from other ATMs, in France or abroad; up to four withdrawals a month free of charge then 1e per withdrawal (in France and the euro zone).

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- Cash withdrawals: identical to the Visa or Visa Premier card. - Withdrawals on credit(4): e300 per 7-day period for the Carte Bleue Visa and e900 per 7-day period for the Visa Premier card. All withdrawals are free in France and the euro zone.

- Cash payments: identical to the Visa or Visa Premier card. - Payments on credit(4): Etoile Avance balance available.

fact sheets

(1) The issuance of a bank card is not automatic, and the bank reserves the right not to issue the card you request. (2) Terms and conditions apply. (3) As provided in the contract.

Carte Bleue Visa/ All the features of Visa Premier with a Carte Bleue Visa debit/loan option or Visa Premier card plus the option to make payments and withdrawals on credit(4) and extended purchase warranty. This card is reserved for clients who have taken out the Etoile In clu de d in Avance revolving NO RP LU S/ loan. TA RN EA UD PL US

savings and investments

International payment and cash withdrawal card. Includes travel accident insurance for the cardholder and family members(3) and overseas medical assistance.

Payment limit (in France and abroad) - e2,000 per 7-day period.

loans

In clu de d in NO RP LU S/ RN TA EA UD PL US

Cash withdrawal limit

- e1,000/day from Crédit du Nord Group and Société Générale ATMs. - e1,500 per 7-day period (in addition to withdrawals from Group ATMs) from other ATMs, including e900 in France. All withdrawals are free in France and the euro zone.

remote banking

Carte Bleue Visa

Main features

Visa Premier card International payment and withdrawal card providing numerous benefits, including a wide range of insurance and assistance Included in schemes for the / NORPLUS PREMIER IER EM PR US cardholder and TARNEAUD PL family members(1): travel cancellation/ modification insurance, stolen luggage, international medical assistance, winter sports insurance, etc.

Payment limit (in France and abroad) e8,000 per 30-day period.

day-to-day banking needs

bank card(1) Your bank card is a debit card that you can use to pay for purchases (in person, by telephone or online) and to withdraw cash from over 1 million cash machines (ATMs) around the world. You may choose one of two options for your bank card: immediate or deferred debit. Under the deferred debit option, all your purchases over the month are debited to your account in a single transaction on the last business day of the month. Cash withdrawals, on the other hand, are always debited immediately. In France, all bank cards use chip and PIN technology. Whenever you use your card, you will be asked to key in your confidential PIN code that protects your card against fraudulent use. The only exception to this is the American Express card, which requires only your signature to confirm a transaction. - You can order your card from your Account Officer or online, for collection from your branch(2). Your confidential PIN code will be sent to you separately by post.

Cash withdrawal limit

first steps to a current account

day-to-day banking needs

(4) In France only.

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cheque book

remote banking

Amount in letters

Amount in numbers

① ②





Place and date

⑤ Payee’s name

Your signature

When you issue a cheque, please make sure you have sufficient funds in your account to cover the amount. When paying by cheque, you may be asked to present proof of identity (passport, for example). When depositing cheques on your account, save time and reduce the risk of error by using the book of personalised paying-in slips you will receive shortly after opening your account. To make sure you always have a new chequebook ready when you need it, we recommend you opt for automatic cheque book renewal. The service is free of charge. Note: All cheques are denominated in euros. If you wish to issue or deposit cheques denominated in other currencies, please contact your Account Officer.

loans

loans

Cheques are still widely used in France.

remote banking

You can order cheque books through: - your branch, - the Etoile Direct telephone banking service (on 0 892 894 894(2) if calling from France or on +33 1 41 88 75 20 if calling from outside France), - our Web site(1).

savings and investments

savings and investments

Cash withdrawal limit

day-to-day banking needs

day-to-day banking needs

Payment limit (in France and abroad) Visa Infinite card An exclusive card -e2,000/day e15,000 per with very high from Crédit du Nord 30-day period. purchase and Group and Société withdrawal limits, Générale ATMs. reserved for high -e1,800 per 7-day net wealth clients. Premium insurance period from other ATMs. and assistances schemes included. All withdrawals are free in France and the euro zone. American Express A wide range of - Green card: No predetermined cards international payment limit. e900 per 7-day payment and period withdrawal cards, - Gold card: complementing the e1,500 per 7-day Visa range: Green, period Gold and Platinum - Platinum card: cards. e3,000 per 7-day Insurance and assistance schemes period. Withdrawals included, as well as from Crédit du Nord Group and a rewards Société Générale programme. ATMs are free. Withdrawals from other ATMs in France and the euro zone are charged at 2% of the transaction, with a minimum charge of e3 per withdrawal.

Cheque books may be collected from your branch, or from any other Crédit du Nord Group branch.

Please contact your Account Officer for further details about the cards we offer (guarantees and rates).

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first steps to a current account

Main features

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If your cheque book is lost or stolen: contact Etoile Direct(2) immediately or, failing this, the Bank of France on 0 892 683 208(2). If you have Sécurité Bleue payment means insurance, call +33 (0) 1 613 741 61(1).

If your bank card is lost or stolen: Calling in France or from abroad: + 33 (0) 969 322 009 (cost of a local call).

(2) e0.34/minute including VAT from a landline, operator surcharges may apply. (3) Terms and conditions apply.

(1) Cost of a local call; operator surcharges may apply.

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fact sheets

fact sheets

If you have Sécurité Bleue payment means insurance, call 33 (0) 1 613 741 61(1).

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first steps to a current account

remote banking

A cashier’s cheque is a cheque issued by a bank or similar establishment that guarantees payment in France only; you may be asked to pay by cashier’s cheque for significant purchases (buying a car, for example). Simply contact your Account Officer to request the issue of a cashier’s cheque.

To achieve our goal of being closer to our customers, we offer a variety of sources of information and ways of managing your account in addition to our branches. Telephone, Internet, mobile Internet or text message: you choose the method that best suits your needs. Wherever you may be, whatever time of day or night, you can always access your bank account via our remote banking services.

In clu de d in NO RP LU S/ TA RN EA UD PL US

With Sécurité Bleue(1), you are protected against: - fraudulent use of your lost or stolen cheque books or bank cards: Sécurité Bleue reimburses you for any sums debited to your account before the stop order takes effect, up to a maximum of e1,600(2). - loss or theft of your identity documents and keys: Sécurité Bleue reimburses you the cost of replacements, up to a maximum of e300(2).

PRACTICAL DETAILS For ease of access to our remote banking services, you will be issued with: - a unique user ID to access all services, which you will find on your bank statement, - a confidential code, which will be issued separately for greater security.

If you have taken out Sécurité Bleue cover, simply call +33 (0) 1 613 741 61(3) (operates 24 hours a day) in the event of loss or theft.

remote banking

remote banking

day-to-day banking needs

day-to-day banking needs

(1)

means of payment insurance

first steps to a current account

cashier’s cheques

In clu de d in NO RP LU S/ TA RN EA UD PL US

telephone banking

➜ Etoile Direct telephone banking service (on 0 892 894 894(4) if calling from norplus/tarneaud plus advantages

loans

When you open an account with us, you can save money by signing up to our Norplus/ Tarneaud Plus Visa or Norplus/Tarneaud Plus Premier package, offering a range of products and services at preferential rates.



After entering your confidential code, you can also make transactions with the help of our Customer Advisers, on hand Monday to Friday from 8 a.m. to 9 p.m. and on Saturday from 9 a.m. to 5 p.m.

Click here to see all the advantages offered by NORPLUS/TARNEAUD PLUS

To consult and manage your securities portfolio and place stock market orders simply and at highly competitive rates, contact our Etoile Direct Bourse service on 0 892 898 898(4).

fact sheets

fact sheets

(1) Terms and conditions apply. (2) Per loss and per year of cover. (3) Cost of a local call from a landline, operator surcharges may apply.

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The service gives you 24/7 access to: - all your account balances, - movements on your share portfolio or equity savings plan (PEA), - all transactions over the past 45 days (press the (1) key).

savings and investments

savings and investments

The package combines three elements: - Essential: a pack of products and services essential to the day-to-day management of your account, - Special: a 20% reduction on certain products, - Leisure: preferential rates on leisure activities.

loans

France or on +33 1 41 88 75 20 if calling from outside France), To access a voice server or speak directly to a Customer Adviser and manage your account remotely: - listen to the introductory message, then press the(*) key, - enter your personal ID, then press the(*) key.

(4) e0.34/minute including VAT from a landline, operator surcharges may apply.

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first steps to a current account

mobile online banking(2)

PRACTICAL INFORMATION To find out more about our online services, call +33 (0)1 77 86 99 64(3). Our Advisors are on hand Monday to Friday from 8 a.m. to 9 p.m. and on Saturday from 9 a.m. to 5 p.m.

sms or e-mail with etoile infos notifications

remote banking

remote banking

day-to-day banking needs

Services available 24/7: - Download online statements rather than receiving paper copies. - Check your accounts and see details of all transactions over the past 45 days. - Make occasional internal and external transfers and set up standing orders free of charge, register beneficiary accounts online. - Draw on or make repayments to your Etoile Avance revolving loan and check on your personal and home loans. - Order cheque books or a bank card. - Allocate your investments and/or make top-up deposits on your assurance vie contracts. - Set your text message or e-mail account alerts. - Monitor stock exchange movements via our special SICAV/FCP mutual funds Web site and on our financial information Web site developed in partnership with Boursorama. - Place your orders to buy/sell French listed securities in real time and at highly competitive rates(1). - Plan future projects (property, savings, retirement) using our online simulators.

day-to-day banking needs

Access your accounts at any time, wherever you may be: - Consult all your account balances and transactions over the past 45 days. - Locate a branch or an ATM using our mobile application (download free from the Appstore or Android Market). - Fast access to all key telephone numbers (your Account Officer, stop card or cheque book lines, etc.).

Our online banking service(1) enables you to consult and manage all your accounts in real time from wherever you happen to be.

In clu de d in NO RP LU S/ RN TA EA UD PL US

Étoile Infos(1) is your current account alerts service. To help keep track of your bank account easily, you set your own alert criteria: - movement alert, - balance alert, - mini-statement.

loans

loans

first steps to a current account

online banking

In clu de d in NO RP LU S/ TA RN EA UD PL US

You can choose to have the alerts sent to your mobile phone or to your e-mail address.

Click here for more details of the online banking site:

You can also change your alert criteria at any time, free of charge, by contacting Etoile Direct(4) or online(1) if you are a subscriber.

USEFUL INFORMATION savings and investments

savings and investments

Your subscription to our online banking service(1) includes free monthly alerts: 6 on standard transactions and 10 on stock market prices.

USEFUL INFORMATION

(2) To access the mobile Web site or the mobile application, you must have a mobile phone and a mobile phone contract enabling mobile Internet connection. (3) Cost of a local call from a landline, operator surcharges may apply. (4) e0.34/minute including VAT from a landline, operator surcharges may apply.

(1) Terms and conditions apply.

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fact sheets

fact sheets

The Etoile Infos service, including 6 alerts a month, is free of charge for online banking subscribers.

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first steps to a current account

first steps to a current account

loan Before you can apply for a loan, you will need to fill in what is known as the Neiertz form, which asks for personal solvency details.

day-to-day banking needs

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overdraft facility (ftt)(1)

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personal loan: etoile express(1)

remote banking

revolving loan: etoile avance(1) A revolving loan is a loan made available for a period of one year, renewable, to enable you to carry out a project or meet unexpected expenses that you would rather spread over a period of time.

home loan(1) Libertimmo is a range of home loans designed to help you finance your property project(6).

savings and investments fact sheets

(1) Subject to acceptance by the bank. (2) €e0.34/minute including VAT from a landline, operator surcharges may apply. (3) Terms and conditions apply. (4) Consult your branch for terms and conditions. (5) Cash purchases: in accordance with your choice of immediate or deferred debit when taking out the card. (6) Home loans are made only on properties in France.

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savings and investments

In the light of your needs, you can choose: - the term of the loan and the date of your monthly repayments, - the type of interest rate: • Fixed: the interest rate remains the same over the term of the loan, • V  ariable-capped: the rate may vary according to market fluctuations but may not exceed a maximum determined at the start of the loan. - once a year, an option to: . decrease or increase your monthly repayments at no charge, . defer one monthly repayment at no charge, . request a repayment holiday and defer your first repayments. When taking out a home loan, you will also be required to take out insurance and security on the loan (Credit Logement, mortgage, etc.).

You have a choice of options for using the loan: -b  y transfer: you can make a transfer by contacting your Account Officer, via our Etoile Direct telephone banking service(2) or online(3), -u  sing the automatic management option: if you so request, any temporary shortfall on your current account can be made up automatically from your Etoile Avance loan. -u  sing your debit/credit card(4): with every transaction, you can choose to pay cash or on credit: . cash transactions are debited to your current account(5), . p ayments and withdrawals on credit are debited directly to your Etoile Avance revolving loan. You have a statutory cooling-off period of 14 days from your acceptance of the loan offer. A loan is legally binding and must be repaid. Check your repayment capacity before committing yourself. >

loans

loans

It is entirely up to you whether you use all, part or none of the loan: if unused, the loan costs you nothing. If you use it, a monthly repayment will automatically be debited to your current account; the amount of the repayment is determined by the amount of the loan used and includes interest on the sums used, an insurance premium (if you have taken out insurance) and a portion of the capital borrowed. You can make additional accelerated repayments of all or part of the capital borrowed at any time, without charge. As your monthly repayments and any additional repayments reconstitute the amount available on your revolving loan, you are free to use the loan again.

remote banking

A personal loan enables you to finance a specific project (buying a car, home improvements, etc.); in consultation with your Account Officer, you determine the amount you need. You also decide on the amount and frequency of your repayments, and the date on which the repayment is debited to your account. As soon as the loan is in place, you know how long it will take you to repay and the date on which it will be fully paid off. Over the term of the loan, you are free to make partial or total early repayments on the loan, increase or decrease the amount of your repayments(1), or defer one payment(1). You have a statutory cooling-off period of 14 days from your acceptance of the loan offer. A loan is legally binding and must be repaid. Check your repayment capacity before committing yourself.

An overdraft facility is an extension to your account agreement and means that your account may be overdrawn from time to time, within set limits and subject to charges agreed with your Account Officer, for a maximum period of 30 consecutive days. This ensures you peace of mind when managing your account.

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day-to-day banking needs

Click here to see the form

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first steps to a current account

first steps to a current account

savings

financial investments

An instant-access savings account enables you to put money on one side in complete security. These sums are known as “precautionary savings” to enable you to meet unexpected future eventualities.

Financial investments are that portion of savings not allocated to “precautionary savings” but invested in financial products such as securities held directly (shares, bonds) or UCITS (Undertakings for Collective Investments in Transferable Securities), i.e. SICAV and FCP mutual funds.

- Regulated savings accounts: these are schemes promoted by the government, which sets the interest rate paid and exempts interest income from tax; they offer a guaranteed return. The schemes include the Livret A, Livret de Développement Durable (LDD), Livret d’Epargne Populaire (LEP) and Livret Jeune deposit accounts. Each has its own specific features, such as conditions for eligibility, maximum deposit cap, interest rate, etc.

The products most commonly offered are: • the securities account, •the equity savings plan (PEA), • assurance vie. The choices you make when deciding to invest will be dictated by your investment horizon and the degree of risk you are willing to accept.

remote banking

remote banking

- Home-buyer savings accounts: the Plan d’Epargne Logement (PEL) and the Compte d’Epargne Logement (CEL) are also government-regulated and are designed to help you save for the future purchase or renovation of your main residence. The savings you deposit on the account entitle you to a low-interest loan, although you may choose to use the account simply as a savings account.

Setting up regular payments into such contracts will enable you to smooth performances over time and mitigate the effects of financial market fluctuations.

securities account

- Non-regulated savings accounts: these are often used by savers who have reached the maximum limits on their regulated savings accounts. Interest on these accounts is taxable, and rates vary from one bank to another. These accounts are open to all and the quoted rate of interest is gross (i.e. before tax).

This is an account on which you deposit the financial instruments (shares, bonds, UCITS, etc.) you purchase. All cash movements (debits for purchases of securities, credits from the sale of securities) are recorded on your current account. A securities account enables you to diversify your savings by investing in financial markets. loans

Important: your status as resident or non-resident for tax purposes may affect your tax position or eligibility. Please contact your Account Officer for further information.

loans

day-to-day banking needs

day-to-day banking needs

savings and investments

The proceeds on sales made from your securities account are liable for tax. Important: your status as resident or non-resident for tax purposes may affect your tax position as regards your securities account. Please contact your Account Officer for further information.

PRACTICAL INFORMATION

- residents only savings and investments

savings and investments

equity savings plan (pea)

The Plan d’Epargne en Actions (PEA) equity savings plan is a tax envelope comprising a securities account and a cash account that can be used to constitute a portfolio of shares in companies based in the European Community (plus Norway and Iceland) or of UCITS at least 75% invested in European equities. It should be seen as a long-term investment given the risks involved in investing in financial markets. The PEA must also be held for over 5 years before it is eligible for preferential tax treatment.

Interest is calculated per 15-day period and deposits attract interest only when they have been on the account for the full calendar period (1st to 15th or 16th to end of month). To maximise interest earned, deposits should be made on the 15th or last day of the month, and withdrawals on the 1st or 16th of the month.

fact sheets

fact sheets

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first steps to a current account day-to-day banking needs

Assurance vie is the preferred vehicle of the French saver, offering favourable tax treatment and great flexibility. Assurance vie is a contract that can be used for different purposes: • capital appreciation, • preparing for retirement, • optimising your tax position, • estate planning, • etc.

•C  lients resident in France for tax purposes (residents) are subject to income tax (IR) at progressive tax rates or may opt to pay a withholding tax (PFL), the rate of which decreases over time. In either case, if the contract is wound up or partially cashed in after 8 years, the proceeds are exempt from tax up to an annual threshold. Social security contributions are payable whatever the tax position applicable. •C  lients not resident in France for tax purposes (non-residents) who partially wind up or cash in their contract will be liable for tax at the time of so doing, at the rate stipulated in the tax treaty signed between France and the client’s country of residence, unless the tax rate applicable in France is more favourable. Social security contributions are not applicable. In order to benefit from these provisions, clients must provide proof of their residence status for tax purposes. Please contact your Account Officer for further details.

Investing within assurance vie involves placing your savings with an insurer (hold by bank group or insurance company group) by means of either: •occasional, unscheduled deposits, •regular, scheduled deposits.

summing up Investment

Sums deposited under the terms of the contract remain available for withdrawal at anytime by the policy holder.

Livret A Livret de Développement Durable Livret Jeune Livret d’Épargne Populaire Compte Épargne Logement

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Plan d’Épargne Logement

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Not accessible

SSC SSC + IR or PFL(2)

Exempt(1)

Foreign dividends

Withheld at source abroad

Interest PEA Securities (capital gains)

Exempt(1) Not accessible Exempt(1)

Assurance vie SSC = Social Security contributions. (1) Exempt from taxation in France. (2) If the PEL is over 12 years old. (3) If the PEA is less than 5 years old.

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Withheld at source in France

SSC + IR or PFL

SSC + IR(3) SSC + IR SSC + IR or PFL plus deduction depending on length of contract

Tax treaty rate or internal rate if more favourable.

This information is a summary and purely indicative.

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Exempt

savings and investments

savings and investments

French dividends

➜ Returns

(1) Conditions of nationality and residences status for tax purposes apply.

Exempt(1)

Compte sur Livret passbook account Term deposits

Before suggesting units of account, your Account Officer must first establish your investor profile at an interview and determine the level of risk you are prepared to accept and your knowledge of financial markets. You will be asked at this interview to complete an Investor Risk Profile questionnaire (click here to see a copy of the questionnaire) . Contracts with a low-risk profile are described as “prudent”, contracts for those seeking higher returns with a higher element of risk as “balanced”, and contracts potentially offering the highest returns, but also the highest risk, are described as “dynamic”.

The return on investment in a euro contract and a multi-fund contract will not be the same. The euro fund guarantees the capital invested (net of expenses) and a guaranteed annual return on investment. There is no guarantee of a return on a multi-fund contract: this will depend on the stock market or property securities in which the contract is invested. Fees may also be charged for securities management.

Non-residents

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Your assurance vie contract may be managed in different ways: 1. Secure management via a euro-only fund: a risk-free investment (similar to a savings account), offering the assurance of regular remuneration. 2. Multi-fund management, which aims to achieve a higher return than the euro-only fund by investing entirely or mainly in stock markets or property, known as “units of account”.

Residents

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remote banking

Should the policyholder die before the term of the contract, the full amount is paid to the beneficiary/ies of the policyholder’s choice. The beneficiary can be changed at any time during the life of the contract.

day-to-day banking needs

➜ Taxation of assurance vie

first steps to a current account

assurance vie(1)

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first steps to a current account

first steps to a current account

fact sheets

day-to-day banking needs

day-to-day banking needs

Fact sheet 1: your bank statement

Remote banking (confidential codes or 0 810 36 36 36) Etoile Direct : 0 892 894 894 (€0.34/minute including VAT) Etoile Direct Bourse : 0 892 898 898 (€0.34/minute including VAT) : www.credit-du-nord.fr : 106 500500 + confidential code

Here are all the credit transactions on your account: transfers received, cheques and cash deposited.

This is your user ID to access all our remote banking services.

remote banking

remote banking

Internet Log in

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loans

Here are all the debit transactions on your account: cash withdrawals, card purchases, transfers made, direct debits, cheques issued, etc.

savings and investments

savings and investments

Here are all your account balances.

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first steps to a current account

Fact sheet 2: The Norplus/Tarneaud Plus package

Protection for your payment means, keys and papers(3) FTT overdraft facility(2)(5)

The Norplus/Tarneaud Plus Club offers a range of leisure advantages Exclusive leisure services on offer all year round at preferential rates for you and your family.  orplus/Tarneaud Plus Voyages N The Club’s travel agency service, with travel professionals on hand to help you organise bespoke holidays and short breaks. Plus privileged online access to early booking or last-minute special offers on many destinations.

From e8 to e24 INCL UDED depending on your agreement Day-to-day management of your account 6 account alerts/ INCLUDED month free(4)

Cashier’s cheque Stopped cheque or cheque book

 orplus/Tarneaud Plus Privilèges N Online reductions for Club members from a wide choice of brands known for their quality and reliability (Yves Rocher, Darty, Delamaison, Fnac, Nature et Découvertes, etc.).

FREE OF CHA RGE

 orplus/Tarneaud Plus Presse N The Club Press service offers preferential subscription rates to a selection of over 900 titles: save on newsstand prices, no tie-in period.

useful - Preferential rates on many services

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20% REDU CTIO N

INC LUD ED

PRACTICAL INFORMATION Access all the above services: Online: on www.clubnorplus.com www.clubnorplus.com/tarneaud  telephone on 0 890 891 891(9) : quote your remote banking ID (shown By on your bank statement).

fact sheets

fact sheets

(1) Purchase Warranty cover may be taken out separately with our partner SPB at a cost of e10/year. Rate applicable on 1/7/2011. (2) Subject to acceptance by the bank. (3) Open to clients aged 16 and over. (4) Additional notifications will be charged at e0.26 including VAT. Rate applicable on 1/7/2011. (5) Open to clients aged 18 and over. (6) First year: 50% reduction on the annual card fee. (7) Except for managed or advisory accounts. (8) 500 cm3 in volume, guaranteed up to a maximum of e80,000.

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savings and investments

leisure - Special privileges and services Norplus/Tarneaud Plus Voyages (travel) Norplus/Tarneaud Plus Spectacles (shows) Norplus/Tarneaud Plus Presse (subscriptions) Norplus/Tarneaud Plus Privilèges

 orplus/Tarneaud Plus Spectacles N A ticketing agency providing advice and reservations for theatres, concerts, exhibitions, etc. Online reductions also available on a wide choice of events.

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American Express cards(2)(5)(6) Account insurance: Sécurité 12(5) Savings insurance: Sécurité Epargne(5) Protection Juridique legal protection insurance Securities deposit charges(7) Arrangement fees on your home or personal loans Asset Account statement Safe deposit box rental(8)

remote banking

remote banking

Exemption from any quarterly bank charges Online banking access(3)

your advantages with the norplus/tarneaud plus club

Carte Bleue Visa(2) or INCL UDED Visa Premier(2) card, with or without debit/credit option(2) Sécurité Bleue INCL UDED insurance Minimum overdraft facility INCL UDED of e800 to e2,300 depending on your choice of card

day-to-day banking needs

day-to-day banking needs

essential - Essential services Bank card with extended Purchase Warranty(1)

(9) €e0.15/minute including VAT from a landline, operator surcharges may apply.

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first steps to a current account

Fact sheet 3: Using the Web site Click on “Summary” in “Your accounts” to consult the balances on all the accounts you hold directly, jointly or as agent.

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Click on a particular account name to access the details of the accounts and consult the list of most recent transactions.

day-to-day banking needs

➜ Access your bank statements.  ownload the entries on one of your accounts ➜D over a given period. ➜ Print copies of your RIB. ➜ Consult your investments.

remote banking

remote banking

➜ Use or make a repayment on your revolving loan. ➜C  heck your personal and home loans. ➜ F ind out about the American Express card range. ➜ Manage your current account alerts.

➜ Make occasional transfers in France or abroad and set up standing orders.

➜O  rder cheque books. C  onsult the balance and recent transactions ➜ on your assurance vie contract. Make a one-off deposit or set up regular deposits

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loans

➜ on your contract. ➜

Allocate your investments between different vehicles (units of account or euro funds).

savings and investments

savings and investments

Consult your securities account balance and ➜ movements.

➜ Buy/sell securities. ➜ Access financial information. Click “Print” to print out a copy of your account summary. Subscribe to a new product. ➜

Click here to access your bank statements.

➜ A ccess your Norplus/Tarneaud Plus Club.

Click here to contact your Account Officer. fact sheets 25

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U  se our loan and savings simulators.

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first steps to a current account

➜ Outstanding loans (home loans - personal loans) Loan 1

Fact sheet 4: Neiertz form

Loan 2

Loan 3

Purpose Lender’s name and address M

M

Amount outstanding

Last name Maiden name First name(s) Date of birth Place of birth: Town/city Country Family situation

day-to-day banking needs

day-to-day banking needs

➜ Personal details

Maturity date Annual repayments Guarantees

➜ Other debts Purpose (pensions, annuities, rent)

Annual payments

Maturity date

(married on........... in..........)

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(if applicable, contract lodged with Me........... notary, of........... on ..........)

➜ Guarantees given

Number of dependent children Address

➜ Profession

Amount

M

Maturity date

M

Employer

➜ Property

Activity

Property type

Address

Estimated value loans

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Marriage contract

Address Functions Length of service SIREN number

➜ Other assets

savings and investments

➜ Annual income

Description M

Estimated value

savings and investments

(quote RCS number/city or Répertoire des Métiers number/city)

M

Net professional income Family Allowances

Drawn up in: _________________ , on:_________________________

Other income (give details)

Each signature to be preceded by the following handwritten reference: “I hereby certify the accuracy of the above information and declare that I have no knowledge of any outgoings other than those declared above”. fact sheets

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Total

The information given above will be used for the sole needs of or to meet legal or statutory obligations. They are subject to exercise of the right of access as provided under the French Data Protection Act No. 78-17 of 6 January 1978.

Non-contractual document. Only documents in French are legally binding

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Signature(s)

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first steps to a current account

first steps to a current account

Fact sheet 5: Investor risk profile questionnaire

Current account operation:

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day-to-day banking needs

INVESTOR RISK PROFILE ASSESSMENT

Approximately how much do you envisage paying into your current accounts monthly?

This investor risk profile questionnaire forms part of the current regulations arising from transposition of European Commission Directive 2004/39/EC of 21 April 2004.

Mainly in the form of:  cheques deposited  transfers received  cash deposits

The questionnaire is designed to gather information on the private investor’s level of investment knowledge and experience as regards the specific type of product or service concerned, his financial situation and investment objectives.

Movements to/from abroad: Do your current accounts show regular movements?  to foreign countries (please specify nature of movements):  from foreign countries (please specify nature of movements):

  Ms. 

  Mrs. 

Family situation

  Mr.

  Divorced

First name(s):

  Widowed



  Living with partner

This questionnaire concerns:   Your household (husband and wife)

  Separated

  Owner/occupier

  Tenant

  Housed rent-free

Property portfolio: How much do you estimate your property portfolio is worth (gross value)?

Number of dependent children:

Income



  e0

  under e100,000



  e100,000 - e300,000

  over e300,000

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Main residence: In respect of your main residence, are you?

  Single

Date of birth:

  You personally 

Assets

  Married

Last name:

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remote banking

Interview date:

Liquid assets: Net monthly income:

  e0

  < e1,500

  e1,500 - e3,000



  e3,000 - e

  e5,000 - e10 000

  e5,000 - e10,000

0

< e5,000

< e15,000

< e50,000

> e50,000

Precautionary savings

savings and investments

Source of income:

savings and investments

PEL/PEP Securities portfolio or PEA

 Salaried employment Name of employer(s) :

Assurance vie/PERP

 Non salaried activity (self-employed professional etc.)

Other

 Retirement pension

Non-contractual document. Only documents in French are legally binding

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fact sheets

 Other (rental income, etc.)

Non-contractual document. Only documents in French are legally binding

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first steps to a current account

Fact sheet 5 (continued)

3) Your investment experience Do you know that investing in equities is designed to seek high returns at the price of a high capital risk? YES NO

What is your estimate of the total loans or debts you still have outstanding?

  e0

  under e10,000

Have you ever purchased or held equities?



  e10,000 to e100,000

  over e100,000

Did you know that bonds carry a capital risk in return for regular income? _ (The bond’s value may fall if interest rates rise.)   YES     NO

Saving capacity

Have you ever subscribed to bonds?

Do you have a sum to invest?

  Yes

  No

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Yes

No



  None   Build up precautionary savings   Future property purchase Time horizon:   Additional income   Prepare for retirement Time horizon:   Capital appreciation    over less than 5 years   over 5 – 10 years   over 10 years +

4) If the value of your investment dropped by 15% in the months ahead, would you be more likely to:    Sell out completely   Sell part of your portfolio   Wait for the market to rise again

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No

Other financial investments (SCPI, FCPI, etc.)

1) What are your main investment objectives?

  Take advantage of the fall to invest further

  Capital appreciation

Questionnaire submitted to the client on:

2) As a general rule, which of the following statements best describes you?

Unless the client objects on legitimate grounds, the information contained in this document will be recorded and stored on computer memory for management purposes. Failing which, it may be impossible to provide certain services.

  Prepared to accept low returns in return for no capital risk.   Prepared to accept some capital risk in return for higher rewards.   Seeking substantial returns and willing to accept substantial capital risk.

savings and investments

savings and investments

Yes

Deferred settlement service

Your investment objectives

This information may be communicated to partners and service providers involved in the management of bank products and services. Clients may exercise their right of access, rectification and deletion as provided under the French Data Protection Act No. 78-17 of 6 January 1978, by writing to Crédit du Nord, Direction de la Qualité et des Relations Clients, 59, Boulevard Haussmann, 75008 Paris.

Non-contractual document. Only documents in French are legally binding

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  YES     NO

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Warrants and other _ leveraged products

How much do you estimate you can afford to save every month, including any current _ scheduled savings?

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  YES     NO

Are you aware of the level of risk_ Have you ever subscribed _ associated with these products? to any of these products?

If yes, what is the amount?



day-to-day banking needs

day-to-day banking needs

Loans or debts

Non-contractual document. Only documents in French are legally binding

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Online: www.credit-du-nord.fr www.banque-courtois.fr www.banque-kolb.fr www.banque-laydernier.fr www.banque-nuger.fr www.banque-rhone-alpes.fr www.tarneaud.fr www.smc.fr By telephone Etoile Direct: 0 892 894 894

€0.34/minute including VAT from a landline, operator surcharges may apply.

Consumer Services: +33 (0)1 40 22 22 01 To subscribe to any of these services, call: (COST OF LOCAL CALL)

(COST OF LOCAL CALL)

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Crédit du Nord - Société Anonyme au capital de EUR 890 263 248 - SIREN 456 504 851 - RCS Lille - N° TVA FR83 456 504 851 - Société de courtage d’assurances immatriculée à l’ORIAS sous le N° 07 023 739 - DMO - Décembre 2011. Document non contractuel à caractère publicitaire - Photos : Graphic Obsession. Agence kiss.

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