• Legal information

The protected Web site enables
employees of French companies to seek advice and carry out certain secure transactions online on corporate
savings accounts for which Amundi Tenue de Comptes provides account management in the area of savings
from employee wages

• Conditions of Access and Use

1. Amundi Tenue de Comptes is a subsidiary of Crédit Agricole Asset Management, a portfolio management
company approved by the AMF under the number GP 9823, whose headquarters are located at 90 bd Pasteur
75015 PARIS.

Any person interested in the corporate savings services and/or products offered by Amundi Tenue de Comptes
can ask to receive information about these products and/or services, subject to ensuring, under his sole
responsibility, that no law from his country of origin or any other country applicable to him prohibits him access
and/or subscription. In such circumstances, Amundi Tenue de Comptes would be justified in refusing to supply
these products or services to this person.

2. Information contained on the amundi-tc.com site does not in any way constitute an offer of products and/or
services, nor an offer and/or recommendation and/or an invitation to purchase or sell OPCVM (open-ended
mutual funds) products or any other management, corporate savings, insurance, investment product from Amundi
Tenue de Comptes or Crédit Agricole Asset Management. Consequently, any subscription to a product or service
can only be made as part of a contractual agreement having been the subject of prior acceptance according to
each individual case by Crédit Agricole Asset Management or Amundi Tenue de Comptes.

3. The information presented specifically concerning employees of client companies of Amundi Tenue de
Comptes must be considered in light of the contractual options chosen by the said companies.

• General Warning

1. The amundi-tc.com site is not intended to provide advice on asset management, nor to provide advice to
companies.

2. Prior to any request for information on corporate savings products and/or services, persons or companies
interested must, under their own responsibility, ascertain the consequences of the planned transaction, in
particular concerning tax, on their own behalf as well as on behalf of their employees if applicable.

3. The data and opinions given should not be understood as involving the liability of their authors nor Amundi
Tenue de Comptes. Furthermore, certain information is given for information purposes only and is supplied by
service providers, independent of Amundi Tenue de Comptes.

4. In any case the information, financial data, opinions, advice and recommendations available on this site have
no other purpose than to support the investment decision, over which the user retains full control, and must under
no circumstances be interpreted as an encouragement to invest, sell or otherwise trade in management or
investment products or services.

5. Consequently, the user acknowledges that this information is used under his sole responsibility.

6. The user is reminded that past performance is no guarantee of future performance and that prior to making any
transaction he should obtain any advice and information useful for making his decision, in particular, of a financial,
legal and tax nature, from any authorised consultant of his choice in order to ascertain the suitability of the
planned transaction and his personal circumstances, particularly concerning assets and tax.

In more general terms and before making any transaction, it is recommended that the user gathers all the
information beforehand which is useful for making his decision, particularly in relation to the availability of the
services and/or products concerned, their terms and conditions, particularly of a financial nature, their tax
implications, their suitability to his needs, etc.

Moreover, the user is reminded that any investment in an OPCVM must be carried out with prior knowledge of the
current regulations from the Autorité des Marchés Financiers (French Securities Regulator): articles or
regulations, and certainly the prospectus which is available on the site.

• Technical Facilities

1. This site allows employees of client companies to consult their employee savings account and to carry out
transactions in a secure and confidential way by using the CERT system and by allocating personal and
confidential codes.

Therefore, access to the site by employees and client companies of Amundi Tenue de Comptes is possible with a
personal and confidential number which is allocated to them.

2. Orders are authenticated using this system.

• Technical Warning

1. Before using the service, users should contact their Internet service provider in order to ensure that their
browser allows access, in a secure configuration, to the Website.

2. Similarly, before any use, the user should ensure that hypertext pages used are up to date, after having cleared
his cache or checked that his proxy server is in working order.

3. The Website user confirms that he has checked that the computer configuration used by him to access the site
does not contain any viruses and is in good working order.

4. The user acknowledges that he is aware that the Website is accessible round-the-clock, seven days a week,
except in cases of force majeure, computer failure, difficulties linked to the structure of the telecommunication
network or other technical difficulties. The Website will be temporarily unavailable during maintenance.

5. Information contained on the amundi-tc.com site originates from documents considered to be reliable and is
regularly updated. However, Amundi Tenue de Comptes cannot guarantee that its input on the site is free from
the risk of material error. Although Amundi Tenue de Comptes undertakes to correct any such error when it is
brought to its attention, it disclaims any liability in respect of any decision taken and any transaction made on the
basis of the site and/or information disclosed on the site.

• Intellectual Property Right

1. The amundi-tc.com site is a protected work in the form of intellectual property. This protection encompasses
the general structure of the site, and data featuring on it such as trademarks, logos, graphics, photographs, texts,
animated images or non-animated images, and all other elements making up this site.

2. No reproduction of this site or any of these elements, in whole or in part, is allowed without the express prior
written authorisation of Amundi Tenue de Comptes or of the holder of rights to the data presented.

3. Any representation or reproduction of this site, by any process whatsoever or, more generally, any non-
authorised use of this site involves the user's liability and can lead to legal proceedings, particularly for
infringement of copyright.

• Links

Amundi Tenue de Comptes disclaims any liability in connection with hypertext links which exist on the Website
leading to other resources available on the Internet, particularly any liability with regard to the contents of other
direct or indirect resources.

Amundi Tenue de Comptes will have no liability in connection with hyperlinks which might point to this site and
prohibits any person from creating such a link without its express prior written authorisation.

Information may be temporarily stored in a memory or on a hard drive (cookies). The Internet user authorises this
practice by CAAM - exclusively intended to optimise browsing this site.

• User Commitment

The user acknowledges that he has read this legal notice in its entirety and agrees to abide by its contents.

• Law and Site Language

This site exists under French law, is governed by French law and uses French as its official language.

• Site Editor

Amundi Tenue de Comptes

Limited liability company with a board of directors and a supervisory board, with a capital of 24,000,000 euros
Identification Number: Paris Trade Register B 433 221 074
Financial company approved by the Credit and Investment Institution Committee (CECEI)

Insurance brokerage company
Headquarters : 90 bd Pasteur 75015 PARIS
Chairman of the Board of Directors: Andrew Watson
Publication Director : Andrew Watson

• General conditions of use of the website, of telephone service and the Minitel server.

• ARTICLE 1 - Purpose

The purpose of these general conditions is to define the conditions of access to the secure services of the website
(the "Site"), of the telephone service and the Minitel server (the "Services") as well as their working conditions.

The Services are reserved for employees, company managers and board members benefiting from an employee
savings plan from client companies of CAAM whose employee savings accounts are held at Amundi Tenue de
Comptes custodian account holder ("Amundi Tenue de Comptes"), hereinafter called the "Investors".

These general conditions of use must be accepted by the Investors. This can be done in one of the two ways set
out below :

From the Site and the Minitel server, at the end of these general conditions, by clicking on the "I accept the
general conditions" the Investor acknowledges that he is aware of the general conditions of use of the services.
By using these Services, he accepts the conditions of use and identification.

Furthermore, the Investor acknowledges that he is aware of the legal notices on the Site.

• ARTICLE 2 - Conditions of Access

In order to have access to the Services, the Investor receives his account number as well as a temporary
password, that he can change when he connects for the first time in order to save the password of his choice (the
"Access Data"). This Access Data is strictly confidential and the Investor must take every precaution to protect
this confidentiality.
Consequently, he undertakes to keep the Access Data secret.

Amundi Tenue de Comptes will not be held responsible in the event of fraudulent or improper use or due to a
voluntary or involuntary divulgence to whomsoever of Access Data entrusted to the Investor.

The Investor acknowledges, as a consequence, that any transaction made following an order sent by the services
of Amundi Tenue de Comptes by means of the Access data, will be attributed to him personally and definitively in
any case whatsoever.

The Investor will assume with regard to Amundi Tenue de Comptes all the financial consequences that Amundi
Tenue de Comptes might bear in view of fraudulent or improper use or voluntary or involuntary divulgence by the
Investor of his Access Data.

The Investor can deactivate the functions linked to the use of the Access Data by a call to the telephone service,
shown on the site and on his bank statement.

The reactivation of the functions can then only be effected on written instruction by the Investor to Amundi Tenue
de Comptes.

In the event of a forgotten or lost password, the Investor can request a new password, via the telephone service
or by post.

In the event of a reactivation of the functions in question or the request for a new password to replace one that
has been lost or forgotten, a new temporary password will be sent to the Investor by letter.

The Investor can, at any time, change his password online.

Moreover, Amundi Tenue de Comptes reserves the right to interrupt, without notice, the Investor's access to the
Services after three wrong attempts at entering the Access Data or in the event of non-compliance with any of the
Investor's obligations in respect of these general conditions.

• ARTICLE 3 - Functions

. Via the Services, the Investor is able to carry out the following operations :

On the Site :
- Consultation of assets and transactions,
- Exceptional payments and scheduled payments,
- Change the choice of investments (arbitrages), . .
- Redemption of available assets or assets falling due in less than three months.

On the Minitel server :
- Consultation of assets,
- Redemption of available assets,
- Change the choice of investments.

On the telephone service :
- Consultation of assets,
- Redemption of available assets.

The operations set out above can be carried out in accordance with the conditions provided for in the corporate
savings plan from which the Investor benefits.

• ARTICLE 4 - Signature and saving of orders carried out by the Services

The saving of data carried out by Amundi Tenue de Comptes when receiving instructions or its reproduction in
electronic or paper form constitutes for Amundi Tenue de Comptes and the Investor proof of the afore-mentioned
instructions and the justification for loading them into the account of the latter.

After a three-month period has passed, from the execution of the transaction by Amundi Tenue de Comptes, no
complaint will be permitted concerning the transactions initiated.

After having sent an order by the Services, the Investor may want to cancel his order; however, such
cancellations remain the exception and involve Amundi Tenue de Comptes only as part of an obligation of means.
Consequently, the execution of a cancellation request can never be guaranteed.

In the event of a conflict between the orders passed by the telephone service or Minitel, the first order passed and
saved will take precedence over the others.

It is the sole responsibility of the Investor to take all necessary precautions to avoid duplicating the performance of
orders.

During communication with a telephone advisor, the latter will ask the Investor for his first name(s) and surname
as well as his account numbers.

Orders passed by the services will be saved by Amundi Tenue de Comptes. This saved data will be stored for a
duration of 2 months for telephone conversations and 6 months for Internet and/or Minitel.

The Investor realises that the acknowledgment of any order whatsoever, does not mean that the order has been
passed, as it will only become effective after verification and execution by Amundi Tenue de Comptes.

• ARTICLE 5 - Responsibility

Amundi Tenue de Comptes cannot be held responsible for direct or indirect damages, such as financial losses,
loss of data, viruses, bugs, loss resulting from an error or from information consulted, or downloaded from the
Site, loss or lack of earnings of any type.

Amundi Tenue de Comptes can equally not be held responsible in the event of misuse of the Services by the
Investor, in the event of unavailability of the Services and, in general, in the event of any problem whatsoever
resulting from difficulties linked to the functioning of the Services (case of force majeure, difficulties linked to the
structure of the telecommunications network or technical difficulties, period of maintenance or breakdown of any
sort).

• ARTICLE 6 - Interruption in the Services - Failure

The functions offered by the Services are accessible from Amundi Tenue de Comptes at all times.

In the case of interruption or failure of one or all of the Services for any reason whatsoever, the Investor can
always contact Amundi Tenue de Comptes, by post, to carry out a transaction.

Amundi Tenue de Comptes is therefore not responsible for the consequences of an interruption in service.

• ARTICLE 7 - Price of the service

Access to the Site, to the Minitel server and to telephone service is free.

Amundi Tenue de Comptes reserves the right to charge for access to these services in the future. In the event of
this, the Investor will be given prior notice of the applicable price by electronic form or by a letter one month
before the charges come into effect.
If there is no response from the Investor during this period, this new condition of use will be applicable to him,
given that he has the right to cease use of the Services at any time.

The transactions carried out by means of the Services will be invoiced in accordance with the price sheet which
has been sent to you, without extra charges.

For the telephone service and the Minitel server, the Investor will bear the telephone charges which will be billed
to him directly by his telephone network operator in accordance with his conditions of access. For the Site, the
cost of communications will be borne by the Investor in accordance with his own conditions of access to the
Internet.

• ARTICLE 8 - Information

The information given by the Services is taken to be without error or omission and is subject to the transactions in
progress. The written information to which the Investor has access can be of a temporary nature. Only bank
statements drawn up by Amundi Tenue de Comptes from its own records are deemed authentic.

The Services do not offer any advice on the validity of investments or disinvestments considered by the Investor
or any other form of advice which might determine his choice.

Financial and, if need be, tax information is for information purposes only. It is the responsibility of the Investor to
choose his investments and the transactions resulting from them of his own accord, in accordance with the
employee savings regulations and the specific provisions of the plans or agreements put in place within his
company and which are applicable to him.

The Investor will give to Amundi Tenue de Comptes, via the Site, an e-post address which will enable him to
receive confirmations and to monitor his transactions.

• ARTICLE 9 - Confidentiality

Amundi Tenue de Comptes is bound by professional secrecy. Its members of staff are under a legal obligation not
to reveal confidential information of which they have knowledge. However, when provided for by the law,
professional secrecy cannot be maintained to persons, authorities or organisms designated by the latter.

In accordance with the law of 6 January 1978 relating to data processing, data files and liberties, the relative
information collected as part of the Services, is intended for Amundi Tenue de Comptes and its partners involved
in the management of its products and/or services linked to employee savings and retirement savings.
Accordingly, this information will only be given to third parties in order to process requests and manage
transactions or to comply with legal obligations.
Every measure has been taken to ensure the confidentiality of the information sent.

Access rights and rectification can be exercised by the Investor at :

Amundi Tenue de Comptes,
Immeuble Le Vercors, 13/15 avenue de la Gare - Alixan
26956 Valence Cedex 9 - France

• ARTICLE 10 - Changes to the agreement

The Services may be added to or changed at any time particularly regarding technological changes or the
regulations in force. Consequently, the clauses of these general conditions are subject to changes.

The current version of the general conditions of use of the Services can be consulted online at any time. The
Investor can access it by clicking on the "legal information" heading on the Site.

Any changes to the general conditions will be brought to the attention of the Investor by post or online, one month before
they come into force. If he continues to use the Services after expiry of the aforementioned period, the Investor will be
considered to have accepted the changes.

Changes are indicated by an electronic message on the Site or on the Minitel server.

• ARTICLE 11 - Fight against laundering

The Investor confirms, with regard to the legal obligations of Amundi Tenue de Comptes to fight against
laundering such as is defined in Article 324-1 of the Criminal Code, that none of the sums paid into the employee
savings plan by him are the direct or indirect product of a crime or a criminal offence.

The checks that Amundi Tenue de Comptes is obliged to carry out to meet the requirements of the regulations
relating to the fight against money laundering and terrorism, particularly concerning movements of capital across
borders, may cause Amundi Tenue de Comptes to suspend transactions.

• ARTICLE 12 - Duration

These general conditions of use of the Services are for an indefinite duration.

The Investor can cease to use the Services at any time and without notice whilst still being able to carry out his
transactions by post.

Amundi Tenue de Comptes can cease provision of the Services at any time by giving a month's notice.

Amundi Tenue de Comptes can interrupt access to the Services immediately and without notice, due to a breach
in confidentiality of the access codes or, more generally, due to non-compliance with these general conditions of
use.

• ARTICLE 13 - Applicable law

These general conditions are subject to French law. In the case of disputes, the courts having jurisdiction will be
those where the Amundi Tenue de Comptes headquarters is located.