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Global nnovatve solutons You can rely on www.calyon.com

CALYON has developed OPTIM SWIFTNet for ts clents. By provdng an extensve range of value-added servces, OPTIM SWIFTNet offers you worldwde connectons to banks va a sngle communcaton channel. By dealng wth new securty and format standards (PKI, XML...), OPTIM SWIFTNet s the optmal soluton to access your bankng servces. Manage all your bankng servces wth OPTIM SWIFTNet Account statements Real-tme transactons reportng Payment processes Lqudty management Treasury conf rmatons An extensve range of value-added servces OPTIM SWIFTNet provdes standardzed f nancal messages to match worldwde needs and markets requrements SWIFTNet FIN: SWIFT s core store-and-forward messagng servce (MT) SWIFTNet FleAct: secured and relable f le transfer (mass payments and large reports) OPTIM SWIFTNet strengths A techncal and strategc tool that allows you to Handle Straght-Through-Processng (STP) Optmze cash and lqudty management Focus on contnuty and securty Improve audtng processes by ensurng easer complance Benef t from a sngle and prvate platform Reduce costs and rsks (FX/IR conf rmatons)

ACCESS TO SWIFTNet NETWORK WITH CALYON SWIFT for Corporates s a secured, standardzed and global sngle wndow to the fnancal ndustry Three modules avalable for Corporates to jon SWIFT wth CALYON Treasury Counterparty (TRCO): to exchange treasury deals conf rmatons wth any f nancal nsttuton on SWIFT Member Admnstrated Closed User Group (MA-CUG): to exchange decded types of messages and f les (payments, treasury, reportng, securtes) wthn the Crédt Agrcole Group s MA-CUG Standardzed Corporate Envronment (SCORE): to cover all messagng needs for treasury, cash management and securtes transactons wth all banks regstered n SCORE OPTIM SWIFTNet eases your projects Market deals confrmatons (MT 3xx) Treasury centralzaton (MT 101, MT 940, MT 942) OPTIM SWIFTNet Payment factory (Untary payments through MT 101, bulk payments through FleAct) Secured and automatc exchanges wth banks (SWIFTNet PKI, dgtal sgnature)

For addtonal nformaton, please contact our dedcated customer servce team: ebcm@calyon.com www.calyon.com

BANKING SERVICES OPTIM SWIFTNet enables you to manage your treasury operatons and to handle domestc and nternatonal payments thanks to SWIFT sngle platform CASH INITIATION Worldwde payments Send all your upcomng payments through a secured and relable communcaton channel. Credt transfers Scope: domestc, Europe, and nternatonal Benefcary: thrd-party, ntra-group, suppler, payroll FIN messages Request for transfer, domestc and nternatonal transfers (MT 101) Notce to receve (MT 210) FleAct messages Domestc thrd-party payments and treasury transfers, blls of exchange and drect debt remttances (CFONB 160 n France) Internatonal thrd-party payments and treasury transfers (CFONB 320 n France) Domestc bulk payments* Supplers f nancng f les (Fxed-length 400c or EDIFACT PAYEXT96a) Secured cheques (100 or 240 n France) XML-based payments (SWIFT MX) MT 101 bulk payments * Avalable n certan countres

BANKING SERVICES ACCOUNT REPORTING OPTIM SWIFTNet allows you to optmze your lqudty management wth a daly recepton of account statements. Intraday statements are also avalable. FIN messages Daly account statements wth local or nternatonal accounts (MT 940) Intraday account statements allow you to receve real-tme nformaton (MT 942*) FleAct messages Account statements (CFONB 120) Unpad tems reportng (CFONB 240) RISK & CHANGE MANAGEMENT Easy access to Captal Markets to enhance rsk management thanks to OPTIM SWIFTNet Improved Rates and Forex management Deals conf rmaton va MT 3xx - Forex (FX): spots, forwards, swaps, optons - Rates (IR): loans/deposts, nterest swaps - Treasury conf rmaton Events management: amend, cancel, new Free format messages Dfferent types of FIN messages Free format message (MT 399) Foregn Exchange conf rmaton (MT 300) Foregn currency opton conf rmaton (MT 305) Fxed loan/depost conf rmaton (MT 320) Forward rate agreement conf rmaton (MT 340) * Avalable n certan countres For addtonal nformaton, please contact our dedcated customer servce team: ebcm@calyon.com www.calyon.com

SECURITY By combnng X.509 dgtal certfcates, full PKI (Publc Key Infrastructure) complant software foundaton, and proof archvng, OPTIM SWIFTNet nsures optmal securty OPTIM SWIFTNet provdes the hghest level of Authentcaton Data Integrty Conf dentalty Non-repudaton FleAct securty assets CALYON has mplemented ts own secured envronment whch offers Sngle or double sgnature Dfferent sgners per servce Classf caton of authorzatons by amount ("sgnature matrx"*) * Avalable for certan servces

For addtonal nformaton, please contact our dedcated customer servce team: ebcm@calyon.com www.calyon.com