Managing your investments

Multi-support group Assurance-Vie contracts are subscribed by ANDECAM with Prédica. Capital is not guaranteed The terms of the contracts are included in the information memo. The legal notice of each support is available on the AMF website (www.amf-france.org) . You have a legal period of withdrawal of 30 calendar days as of the effective date of establishment of your contract.

PREDICA, life insurance company, subsidiary of Crédit Agricole Assurances, regulated by the French Insurance Code, simplified company with a capital of 1 029 934 935€ untied funds. Head office: 16-18 boulevard de Vaugirard 75015 Paris; SIREN 334 028 123 Paris RCS

The Mon assurance Décès contract is provided by PREDICA, Insurance Company for personal insurance, subsidiary of Crédit Agricole SA, company regulated by the insurance code.

Limited company with a consolidated capital of 1 029 934 935€, untied funds. Head Office: 16-18 boulevard de Vaugirard - 75015 Paris, SIREN 334 028 123 Paris RCS. In accordance with the regulations, you have the possibility to cancel your subscription within 30 calendar days of the signature of your contract.

The services of the Assistance contract are provided by Europ Assistance SA, company regulated by the insurance code with a capital of 46 926 941€ - 451 366 405 Nanterre RCS, head office : 1 promenade de la Bonnette - 92230 Gennevilliers.

The guaranteed events and conditions are set out in the information notice of the contract and in the general conditions of the contract. Contact your CA Britline advisor to find out the full details and conditions of this offer in your regional office of Crédit Agricole.

This offer is distributed by your Caisse Régionale de Crédit Agricole, registered with ORIAS as a broker.

Caisse Régionale de Crédit Agricole Mutuel de Normandie, a cooperative company with variable capital, approved as a credit institution - Registered office located at 15 esplanade Brillaud de Laujardière - CS 25014 - 14050 CAEN CEDEX 4 - Registered with the RCS of CAEN under number SIREN 478 834 930 - Insurance brokerage company registered in the Register of Insurance Brokers under number 07 022 868.

* Local costs apply when phoning within France from a landline. Check with your service provider when calling from abroad.

Multi-support group Assurance-Vie contracts, which present a risk of capital loss, are insured by Prédica, a company governed by the French Insurance Code. The terms of the contracts are included in the information memo. The key information document and information on the investment options are available on the website http://www.predica.com/priips/credit-agricole. You have a legal period of withdrawal of 30 calendar days as of the effective date of establishment of your contract.

French residents : 2013 tax legislation for French residents.

The 2013 tax legislation states that savings products with fixed revenues will have the same rate of tax applied as your income tax rates. Effective from the 01/01/2013, an advance will be deducted at source from the interest earned and will then be taken into account when calculating your tax liability for the year in which you received the interest.