Key points of the Crédit Mutuel Group _ EXISTING REAL ESTATE TO EQUALLY STRINGENT THE NEW CHALLENGES THAT ARE SPECIFICATIONS AS NEW BUILDS CM-CIC SHAPING OUR TRANSFORMATION Already present in the new build sector for nearly three decades through numerous development programs launched in France IMMOBILIER and with nearly 10,000 new housing units sold each year, Crédit A Triple Play box offer? Responsible travel with electrically-assisted bicycles? Mutuel is now moving into the existing real-estate market. This An offer in existing real estate? By stepping outside traditional business market represents nearly a million transactions each year and A REFERENCE FOR boundaries and building unusual crossovers via our range of skills and experience, offers numerous opportunities. GROUP CUSTOMERS Crédit Mutuel is stepping up to new challenges to ensure growth and offer Each property transaction is also an opportunity to showcase the CM-CIC Immobilier brings together even more added value to its customers and members. values and strengths of a multiservice bank in the areas of all the group’s real-estate expertise within fi nancing, insurance, remote surveillance, telephone services and a single structure, so as to benefi t from all the ultra-broadband access. synergies and dynamics of shared activities. And, as is always the case with Crédit Mutuel, everything is From land and real estate development to rental simple and transparent and the starting point is systematically management, our network of subsidiaries is organized the customer’s advisor: Close up on • Checking the eligibility of the property, so as to guarantee customers the best offer in the 3 services innovations market through a wide choice of top-quality properties, • Introduction to a real-estate specialist, rigorously selected by our real-estate experts. at Crédit Mutuel • Precise valuation of the property and surveys performed by local partners, ULTRA BROADBAND ACCESS BOX • Promotion of the property advert with virtual tour, plans The fi rst banking group to offer mobile telephone services, and listings on partner sites (leboncoin.fr, seloger.com, etc.), Crédit Mutuel has continued to expand its multiservice • Organization and follow up of visits. innovation strategy with a Triple Play Box (internet, landline and television) This offer rounds out its existing range of mobile phone packages and lays the basis for an attractive Quadruple Play offer. ELECTRICALLY-ASSISTED BICYCLE ON A HIRE PURCHASE BASIS Faced with the growing success, in numerous areas, of consumer leasing solutions (fi nancing use) at the expense of traditional purchases (fi nancing ownership), as well as the shift to more sustainable forms of transport, the interest of designing an offer of electrically-assisted bicycles with a hire purchase option rapidly gained ground within Crédit Mutuel. This is an original and attractive offer within the banking universe that highlights the group’s modernity and environmental commitment and has everything to attract existing and future The last note customers: • A hire purchase option over 36 months, As an expression of new aspirations and the refl ection of a moving world, redefi ning modernity, • The fi rst electrically-assisted bicycle in the market, from €1 per day, music represents an enormous variety of styles and perspectives and a source of limitless creativity • Delivery to the customer’s home anywhere in France, and shared enthusiasm: this, ultimately, is also what Crédit Mutuel embodies, • Three-year warranty and maintenance, including the battery, now and for the long term. • Guarantee of repurchase after 36 months if the contract is renewed, • Bicycles manufactured in France at La Flèche (72) by NEOMOUV. 34 35