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. clients my bank - 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 private how it works scale coupled with those of a nationwide banking group.
Crédit du Nord
Nord Métropole Lille Les Provinces du Nord Arras Picardie Amiens Normandie Haute-Bretagne Rouen Nancy Paris Banque Kolb
Banque Tarneaud
Ile-de-France Banque Nuger
Banque Rhône-Alpes
Limoges Banque Laydernier Lyon Annecy Clermont-Ferrand Banque Courtois
Monaco
Provence-Alpes Société Marseillaise Toulouse Côte d’Azur Marseille de Crédit
Monaco
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 International clients 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.
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a to steps first first steps to a fact sheets savings and investments loans remote banking day-to-day banking needs current account 3 account first provide proof of status (“livret de famille”, ID card or birth certificate).NB: minors wishing to open an account must be accompanied by their legal representative, who must - proofofincome(employmentcontractorpayslip). - proofofaddress(telephone,gasorelectricitybill), - identification(nationalidentitycard,passport,residencepermit), These arethedocumentsyouwillneedtoopenanaccount: to paymostofyourbills. it use and account, this into paid transfers) and (cheques income your have can You To findthenearestbranch,clickhere one ofourbranches. at Officer Account an with appointment an make simply us, with account an open To opening In order to be considered as resident and yourtaxliability. Knowing your tax status will give you a better understanding of your banking situation of savingsyouarepermittedtohold. Your status for tax purposes determines the tax treatment of your income and the type with whichFrancehassignedataxtreaty. resident in France for tax purposes if you are considered as as considered a be resident ofnot another may state you however, met, is criteria these of one least at if Even - thecentreofyoureconomicinterestsisbasedinFrance. - youconductyour“main”professionalactivityinFrance, - youresideprincipally(i.e.over183daysayear)inFrance - yourhousehold,theplacewhereyouandfamilylive,mustbeinFrance, one ofthefollowingfourcriteria: - - a copy of your foreign income tax statement, - a certificate of residence, of your foreign residence for tax purposes, in the form of: In order to claim non-resident status, you will need to provide your bank with proof USEFUL INFORMATION USEFUL tax administration (town hall, consulate). as a last resort, a certificate of residence issued by an authority other than the than authority other an by residence issued certificate of a resort,last a as
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> contents > ➜ getting International BankAccountNumber(IBAN). To receive payments from abroad, you will need to provide the overseas bank with your - availablefromyourAccountOfficer. - availabletodownloadfromourWebsite - inyourchequebook, - onyourbankstatement, You will find copies of your RIB: ⑤ ④ ③ ② ① It consistsof: when youraccountisopened. The RIB is a number that uniquely identifies your bank account. It is issued by the bank your (2) Terms and conditions apply. (1) Except for the year in which you transfer your residence.
formalities. administrative all of you relieves and charge of free entirely is service This Web site. If you prefer to handle matters yourself, you can fill in an online form on a dedicated number, information withoutlossoftime. identification (tax details necessary the on pass will Officer Account your etc.), numbers, contract numbers, telephone the all provided have you Once notified andsignanauthorisationtothateffect. parties concerned (tax office, Social Security centre, EDF, etc.) who will need to be various the of Officer Account your inform simply account; bank your of transfer the of organisations French notifying of formalities the handle can we wish, you If thenameofyourbranch. a RIBcode, an accountnumber, a branchsortcode, a bankcode,
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a to steps first first steps to a fact sheets savings and investments loans remote banking day-to-day banking needs current account 5 ➜ All you have to do is fill in and return the direct debit authorisation that the provider will regularmakepaymentselectricity(tax,to Directbills,debitsphone youfor allow or Direct debits easily provide on request. example) without sending a cheque by mail. euro zone commission will be charged to your account if you make a transfer outside the the outside transfer a make you if account your to charged be will commission within the European Union are free of charge. A fixed fee and foreign exchange foreign and fee fixed A charge. of free are Union European the within you can carry out transfers from your own computer. Online transfers to a bank a totransfers Onlinecomputer. own your fromtransfers out carry can you Transfers are made in euros. If you have signed up to our online banking service USEFUL INFORMATION INFORMATION USEFUL
Paying yourbills cify. Youcanalsousethismethodtosetupregularsavingplans. automatically from your account at the intervals (monthly, quarterly, etc.) you spe (with IBANdetails)withyourAccountOfficer. make currency transfers via our Web site The transfer willonlybemadeifyouhavesufficientfundsonyouraccount. account. beneficiary’s the for RIB an include must order transfer the party, third a is transfer the of beneficiary the If another. to it credit and account your - viaourWebsite - - throughyourAccountOfficer, To setupastandingorder,simplymaketherequest: You can also set up standing orders to make regular payments. Transfers are made Standing orders - viaourWebsite - - throughyourAccountOfficer, To make a transfer in France or to an overseas account, simply issue an instruction: can you account, overseas an to France in account your from funds transfer To to money of sum given a debit to branch your instruct simply transfer, a make To Transfers France oron+33141887520ifcallingfromoutsideFrance), France oron+33141887520ifcallingfromoutsideFrance), via our Etoile Direct telephone banking service (on 0 892 894 894 via our Etoile Direct telephone banking service (on 0 892 894 894 (1) . (1) (1) . . (1) if you have first registered the account (2) (2) if calling from if calling from (1) , , > - contents > (2) (1) Terms and conditions apply. Click here to see a fact sheet explaining your bank statement . you wish. of charge If you prefer, you may opt to transfers received,chequesdeposited,cashwithdrawals,directdebits,etc.). account: your on made entries all theme, by or order date in shows, statement your The all of position the summarising statement accounts. monthly free a receive will You bank e 0.34/minute including VAT from a landline, operator surcharges may apply. whenever you wish. By signing up to our online banking service charge statement every ten days or even daily (to request this option, which carries a small If you wish to monitor your account more frequently, you can opt to receive a a receive to opt can you frequently, more account your monitor to wish you If Click here for more information on our online banking service INFORMATION USEFUL
statements (1) and enables you to consult, download or print your bank statements whenever , simply contact your Account Officer). receive your statement online (1) , you are free to consult your accounts instead. The service is (1) . free
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Main features Cash withdrawal Payment limit to
day to day banking needs a first - - current limit (in France and
abroad) bank card(1) Visa Premier card International - e1,000/day e8,000 per 30-day day Your bank card is a debit card that you can use to pay for purchases (in person, by payment and from Crédit du period. withdrawal card
telephone or online) and to withdraw cash from over 1 million cash machines (ATMs) Nord Group and - around the world. providing numerous Société Générale to - needs day banking You may choose one of two options for your bank card: immediate or deferred debit. benefits, including ATMs.
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needs Under the deferred debit option, all your purchases over the month are debited to - 1,500 per 7-day - insurance and as-
to your account in a single transaction on the last business day of the month. Cash with- period (in addition - drawals, on the other hand, are always debited immediately. sistance to withdrawals Included in day schemes for the In France, all bank cards use chip and PIN technology. Whenever you use your card, NORPLUS PREMIER/ from Group ATMs) cardholder and you will be asked to key in your confidential PIN code that protects your card against TARNEAUD PLUS PREMIER from other ATMs, family members(1): fraudulent use. The only exception to this is the American Express card, which requires including e900 travel cancellation/ only your signature to confirm a transaction. in France. remote modification - You can order your card from your Account Officer or online, for collection from your All withdrawals are
insurance, stolen banking (2) free in France and banking branch . Your confidential PIN code will be sent to you separately by post. luggage, the euro zone. international
remote Main features Cash withdrawal Payment limit limit (in France and medical assistance, abroad) winter sports insurance, etc. Carte Bleue Visa International - e500/day - e2,000 per 7-day payment and cash from Crédit du period. withdrawal card. Nord Group and Carte Bleue Visa/ All the features of - Cash withdrawals: - Cash payments:
Includes travel Société Générale Visa Premier with a Carte Bleue Visa identical to the Visa identical to the Visa loans accident insurance ATMs, free of debit/loan option or Visa Premier card or Visa Premier or Visa Premier loans for the cardholder charge. plus the option to card. card. and family - e300 per 7-day make payments and - Withdrawals on - Payments on (3) (4) e (4) members and period (in addition withdrawals on credit : 300 per credit : Etoile Included in overseas medical credit(4) and 7-day period for Avance balance NORPLUS/ to withdrawals
extended purchase savings TARNEAUD PLUS assistance. from Group ATMs) the Carte Bleue available. e from other ATMs, in warranty. This card Visa and 900 per
is reserved for 7-day period for the France or abroad; and clients who have Visa Premier card.
investments up to four with- investments
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(1) The issuance of a bank card is not automatic, and the bank reserves the right not to issue the card
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7 > contents > 8 day-to-day banking first steps to a fact sheets savings and investments loans remote banking needs current account 9 ! (1) Cost of a local call; operator surcharges may apply. Please contact your Account Officer for further details about the cards we offer (guarantees and rates). cards American Express Visa Infinitecard If you have Sécurité Bleue payment means insurance, call 33 (0) 1 613 741 61 Calling inFranceorfrom abroad:+33(0)969322009 If yourbankcardislostorstolen: programme. a rewards included, as well as assistance schemes Insurance and cards. Gold and Platinum Visa range: Green, complementing the withdrawal cards, payment and international A wide range of schemes included. and assistances Premium insurance net wealth clients. reserved for high withdrawal limits, purchase and with very high An exclusive card Main features
period e - Goldcard: period e - Greencard: the euro zone. free in France and All withdrawals are ATMs. period from other - Générale ATMs. Group and Société from Crédit du Nord - withdrawal. charge of with aminimum of thetransaction, charged at2% euro zoneare France andthe other ATMsin Withdrawals from ATMs arefree. Société Générale Nord Groupand from Créditdu period. Withdrawals e - Platinumcard: e e Cash withdrawal 1,500 per7-day 900 per7-day 3,000 per7-day 1,800 per 7-day 2,000/day limit e 3 per (cost ofalocalcall)
payment limit. No predetermined 30-day period. e 15,000 per (in Franceand Payment limit abroad) . (1) . > contents ! > (3) Terms and conditions apply. (2) Group branch. Nord du Crédit other any from or branch, your fromcollected be may books Cheque - ourWebsite - - yourbranch, You canorderchequebooksthrough: we it, need you when ready chequebook new a recommend you opt for have automatic cheque book always renewal. The service you is free of charge. sure make To account. using the book of personalised paying-in slips you will receive shortly afterby error opening of risk thereduce yourand timeaccount,save your depositingoncheques When example). identity(passport,forof presentproof to asked be may cheque,you bypaying When to cover the amount. Whenyouissuecheque,a please makesureyouhave sufficient funds your in account Cheques are still widely used in France. cheque or on+33141887520ifcallingfromoutside France), the Etoile Direct telephone banking service (on 0 892 894 894 If you have Sécurité Bleue payment means insurance, call +33 (0) 1 613 741 61 this, the Bank of France on 0 892 683 208 yourchequestolen:Iflostorbookis contact Etoile Direct cheques deposit or issue denominated to in other currencies,wish pleaseyou contact yourIf Account Officer.euros. in denominated are cheques All Note: e 0.34/minute including VAT from a landline, operator surcharges may apply.
book (1) . Amount in letters Payee’s name ① ③ (2) . Your signature Amount in numbers (2) immediately failingor, (2) if calling from France ⑤ ④ ② Place and date (1) .
10
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banking day to day a to steps first day-to-day banking first steps to a fact sheets savings and investments loans remote banking needs current account 11 products andservicesatpreferentialrates. of range a offering package, Premier Plus Norplus/Tarneaud or Visa Plus Tarneaud When you open an account with us, you can save money by signing up to our Norplus/ norplus - With SécuritéBleue means to requesttheissueofacashier’scheque. significant purchases (buying a car, for example). Simply contact your Account Officer for cheque cashier’s by pay to asked be may you only; France in payment guarantees cheque cashier’s A cashier (3) Cost of a local call from a landline, operator surcharges may apply. (2) Per loss and per year of cover. (1) Terms and conditions apply. - - - The packagecombinesthreeelements: f o hv tkn u Scrt Bee oe, ipy al 3 () 63 4 61 741 613 1 (0) +33 call simply cover, (operates 24hoursaday)intheeventoflossortheft. Bleue Sécurité out taken have you If - Leisure: Special: of youraccount, Essential: cost ofreplacements,uptoamaximum effect, uptoamaximumof takes order stop the before account your to debited sums any for you reimburses fraudulent use of your lost or stolen cheque books or bank cards: Sécurité Bleue Bleue Sécurité cards: bank or books cheque stolen or lost your of use fraudulent loss or theft of your identity documents and keys: Sécurité Bleue reimburses you the Click heretoseealltheadvantagesoffered by NORPLUS/TARNEAUD PLUS
of ’ a 20%reductiononcertainproducts, preferential ratesonleisureactivities. s /
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> remote 898 and at highly competitive rates, contact our Etoile Direct Bourse service on 0 892 898 To consult and manage your securities portfolio and place stock market orders simply on Saturday from9a.m.to5p.m. and p.m. 9 to a.m. 8 from Friday to Monday hand on Advisers, Customer our of help the with transactions make also can you code, confidential your entering After ➜ telephone access yourbankaccountviaourremotebankingservices. suits your needs. Wherever you may be, whatever time of day or night, you can always Telephone, Internet, mobile Internet or text message: you choose the method that best information andwaysofmanagingyouraccountinadditiontoourbranches. of sources of variety a offer we customers, our to closer being of goal our achieve To (4) - aconfidentialcode,whichwillbeissuedseparatelyforgreatersecurity. - a unique user ID to access all services, which you will find on your bank statement, For easeofaccesstoourremotebankingservices,youwillbeissuedwith:
France oron+33141887520ifcallingfromoutsideFrance), Etoile Direct telephone banking service (on 0 892 894 894 894 892 0 (on service banking telephone Direct Etoile account remotely: - alltransactionsoverthepast45days(press(1)key). - movementsonyourshareportfolioorequitysavingsplan(PEA), - allyouraccountbalances, The servicegivesyou24/7accessto: - enteryourpersonalID,thenpressthe(*)key. - listentotheintroductorymessage,thenpressthe(*)key, To access a voice server or speak directly to a Customer Adviser and manage your e (4) 0.34/minute including VAT from a landline, operator surcharges may apply. .
banking
banking PRACTICAL DETAILS (4) if calling from calling if
12
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TARNEAUD PLUS a first current Our online banking service(1) enables you to consult and manage all your accounts in Access your accounts at any time, wherever you may be: real time from wherever you happen to 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 Services available 24/7: day
Appstore or Android Market). - to needs - - Download online statements rather than receiving paper copies. - Fast access to all key telephone numbers (your Account Officer, stop card or cheque day
- Check your accounts and see details of all transactions over the past 45 days. book lines, etc.). banking banking
- Make occasional internal and external transfers and set up standing orders free of day
- charge, register beneficiary accounts online. needs
to PRACTICAL INFORMATION - - Draw on or make repayments to your Etoile Avance revolving loan and check on your (3)
day To find out more about our online services, call +33 (0)1 77 86 99 64 . personal and home loans. Our Advisors are on hand Monday to Friday from 8 a.m. to 9 p.m. and on Saturday - Order cheque books or a bank card. from 9 a.m. to 5 p.m.
- Allocate your investments and/or make top-up deposits on your assurance vie remote contracts.
- Set your text message or e-mail account alerts. banking banking
- Monitor stock exchange movements via our special SICAV/FCP mutual funds Included in Web site and on our financial information Web site developed in partnership with NORPLUS/ sms or e-mail with etoile infos notifications TARNEAUD PLUS
remote Boursorama. (1) - Place your orders to buy/sell French listed securities in real time and at highly Étoile Infos is your current account alerts service. To help keep track of your bank competitive rates(1). account easily, you set your own alert criteria: - Plan future projects (property, savings, retirement) using our online simulators. - movement alert, - balance alert,
- mini-statement. loans
loans Click here for more details of the online banking site: You can choose to have the alerts sent to your mobile phone or to your e-mail address. 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 (1)
Your subscription to our online banking service includes free monthly alerts: 6 on savings standard transactions and 10 on stock market prices. USEFUL INFORMATION
The Etoile Infos service, including 6 alerts a month, is free of charge for online and
investments banking subscribers. investments
and
savings
(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. fact
(3) Cost of a local call from a landline, operator surcharges may apply. sheets sheets
(1) Terms and conditions apply. (4) e0.34/minute including VAT from a landline, operator surcharges may apply. fact
13 > contents > 14
current first a to
steps
account account steps
to
loan a first current 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.
Click here to see the form . day - to needs -
Included in day NORPLUS/ (1) (1) overdraft facility (ftt) TARNEAUD PLUS personal loan: etoile express banking banking An overdraft facility is an extension to your account agreement and means that your A personal loan enables you to finance a specific project (buying a car, home day
- account may be overdrawn from time to time, within set limits and subject to charges improvements, etc.); in consultation with your Account Officer, you determine needs to - agreed with your Account Officer, for a maximum period of 30 consecutive days. This the amount you need. day ensures you peace of mind when managing your account. 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. revolving loan: etoile avance(1) Over the term of the loan, you are free to make partial or total early repayments on the remote loan, increase or decrease the amount of your repayments(1), or defer one payment(1). A revolving loan is a loan made available for a period of one year, renewable, to enable banking banking you to carry out a project or meet unexpected expenses that you would rather You have a statutory cooling-off period of 14 days from your acceptance of the loan spread over a period of time. offer. A loan is legally binding and must be repaid. Check your repayment capacity remote before committing yourself. 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 (1) account; the amount of the repayment is determined by the amount of the loan used home loan and includes interest on the sums used, an insurance premium (if you have taken out Libertimmo is a range of home loans designed to help you finance your property insurance) and a portion of the capital borrowed. project(6). loans You can make additional accelerated repayments of all or part of the capital borrowed In the light of your needs, you can choose: loans at any time, without charge. - the term of the loan and the date of your monthly repayments, As your monthly repayments and any additional repayments reconstitute the amount - the type of interest rate: available on your revolving loan, you are free to use the loan again. • Fixed: the interest rate remains the same over the term of the loan, You have a choice of options for using the loan: • Variable-capped: the rate may vary according to market fluctuations but may not exceed a maximum determined at the start of the loan. savings - by transfer: you can make a transfer by contacting your Account Officer, via our - once a year, an option to: Etoile Direct telephone banking service(2) or online(3),
. decrease or increase your monthly repayments at no charge, and - using the automatic management option: if you so request, any temporary shortfall
investments defer one monthly repayment at no charge,
. investments
on your current account can be made up automatically from your Etoile Avance loan. request a repayment holiday and defer your first repayments. and .
- using your debit/credit card(4): with every transaction, you can choose to pay cash When taking out a home loan, you will also be required to take out insurance and security or on credit: on the loan (Credit Logement, mortgage, etc.). savings . cash transactions are debited to your current account(5), . payments and withdrawals on credit are debited directly to your Etoile Avance (1) Subject to acceptance by the bank. revolving loan. (2) €e0.34/minute including VAT from a landline, operator surcharges may apply. You have a statutory cooling-off period of 14 days from your acceptance of the loan (3) Terms and conditions apply. fact offer. A loan is legally binding and must be repaid. Check your repayment capacity before (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. sheets
sheets committing yourself. (6) Home loans are made only on properties in France. fact
15 > contents > 16 savings and first steps to a fact sheets loans remote banking day-to-day banking needs investments current account 17 savings tax positionoreligibility.PleasecontactyourAccountOfficerforfurtherinformation. Important: - - - meet unexpected futureeventualities. to you enable to savings” “precautionary as known are sums These security. An instant-access savings account enables you to put money on one side in complete savings and thequotedrateofinterestisgross(i.e.beforetax). all to open are accounts These another. to bank one from vary rates and taxable, is the maximum limits on their regulated savings accounts. Interest on these accounts may you although loan, low-interest choose tousetheaccountsimplyasasavingsaccount. a to you entitle account the on deposit you savings The residence. main your of renovation or purchase future the for save you help to designed are and government-regulated also are (CEL) Logement d’Epargne cap, interestrate,etc. Each has its own specific features, such as conditions for eligibility, maximumaccounts. deposit deposit Jeune Livret and (LEP) Populaire d’Epargne Livret (LDD), Développement Durable de Livret A, Livret the include schemes The return. guaranteed a offer they tax; from income interest exempts and paid rate interest the sets which Non-regulated savings accounts: Home-buyer savings accounts: accounts: savings Regulated day ofthemonth,andwithdrawalson1 of month). To maximise interest earned, deposits should be made on the 15 they have been on the when account for the only full calendar period (1 interest attract deposits and period 15-day per calculated is Interest your status as resident or non-resident for tax purposes may affect your affect may purposes tax for non-resident or resident as status your
and PRACTICAL INFORMATION these are schemes promoted by the government, government, the by promoted schemes are these
the Plan d’Epargne Logement (PEL) and the Compte investments these are often used by savers who have reached st or16 th ofthemonth. st to 15 th or 16 th th to end or last > contents
> securities smooth to you enable will contracts such into performances overtimeandmitigatetheeffectsoffinancialmarketfluctuations. payments regular up Setting horizon andthedegreeofriskyouarewillingtoaccept. investment your by dictated be will invest to deciding when make you choices The • •the equitysavingsplan(PEA), • The productsmostcommonlyofferedare: i.e. SICAVandFCPmutualfunds. Securities), Transferable in Investments Collective for (Undertakings UCITS or bonds) (shares, directly held securities as “precautionary such products to financial in allocated invested but not savings” savings of portion that are investments Financial financial be heldforover5yearsbeforeitiseligible preferentialtaxtreatment. investment given the risks involved in investing in financial markets. The PEA must also long-term a as seen be should It equities. European in invested 75% least at UCITS of or Iceland) and Norway (plus Community European the in based companies in shares of portfolio a constitute to used be can that account cash a and account securities a comprising envelope tax a is plan savings equity (PEA) Actions en d’Epargne Plan The equity further information. tax position as regards your securities account. Please contact your Account Officer for Important: The proceeds on sales made from your securities account are liable for tax. you to diversify your savings by investing in financial markets. the sale of securities) are recorded on your current account.etc.) Ayou securitiespurchase. All cashaccount movements enables(debits for purchases of securities, credits from This is an account on which you deposit the financial instruments (shares, bonds, UCITS, assurance vie. the securitiesaccount,
savings your status as resident or non-resident for tax purposes may affect your affect may purposes tax for non-resident or resident as status your
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18
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(1) Taxation of assurance vie assurance vie ➜ to
a first current Assurance vie is the preferred vehicle of the French saver, offering favourable • Clients resident in France for tax purposes (residents) are subject to income tax tax treatment and great flexibility. (IR) at progressive tax rates or may opt to pay a withholding tax (PFL), the rate of Assurance vie is a contract that can be used for different purposes: 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. • capital appreciation, day
Social security contributions are payable whatever the tax position applicable. - • preparing for retirement, to needs -
• optimising your tax position, • Clients not resident in France for tax purposes (non-residents) who partially wind day
• estate planning, up or cash in their contract will be liable for tax at the time of so doing, at the rate banking banking • etc. stipulated in the tax treaty signed between France and the client’s country of resi- day
- dence, unless the tax rate applicable in France is more favourable. Social security Investing within assurance vie involves placing your savings with an insurer (hold by needs to - contributions are not applicable. In order to benefit from these provisions, clients bank group or insurance company group) by means of either: day must provide proof of their residence status for tax purposes. •occasional, unscheduled deposits, •regular, scheduled deposits. Please contact your Account Officer for further details. Should the policyholder die before the term of the contract, the full amount is paid to remote the beneficiary/ies of the policyholder’s choice. The beneficiary can be changed at any summing up
time during the life of the contract. banking banking Investment Residents Non-residents Sums deposited under the terms of the contract remain available for withdrawal at Livret A Exempt(1)
remote anytime by the policy holder. Livret de Développement Durable Your assurance vie contract may be managed in different ways: Exempt Livret Jeune Not accessible 1. Secure management via a euro-only fund: a risk-free investment (similar to a savings Livret d’Épargne Populaire account), offering the assurance of regular remuneration. Compte Épargne Logement SSC 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 SSC + Plan d’Épargne Logement (2) (1) loans of account”. IR or PFL Exempt
loans Compte sur Livret passbook account 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 Term deposits accept and your knowledge of financial markets. You will be asked at this interview Withheld at French dividends SSC + source in France to complete an Investor Risk Profile questionnaire (click here to see a copy of the IR or PFL questionnaire) . Contracts with a low-risk profile are described as “prudent”, Withheld at Foreign dividends source abroad contracts for those seeking higher returns with a higher element of risk as “balanced”, savings investments and contracts potentially offering the highest returns, but also the highest risk, are Interest Exempt(1) and described as “dynamic”. PEA SSC + IR(3) Not accessible
(1) Securities (capital gains) SSC + IR Exempt and ➜ Returns investments savings SSC + Tax treaty rate The return on investment in a euro contract and a multi-fund contract will not be the same. IR or PFL plus deduction Assurance vie or internal rate The euro fund guarantees the capital invested (net of expenses) and a guaranteed depending on length if more favourable. annual return on investment. of contract There is no guarantee of a return on a multi-fund contract: this will depend on the SSC = Social Security contributions. This information is a summary
stock market or property securities in which the contract is invested. Fees may also and purely indicative. fact be charged for securities management. (1) Exempt from taxation in France.
(2) If the PEL is over 12 years old. sheets sheets (1) Conditions of nationality and residences status for tax purposes apply. (3) If the PEA is less than 5 years old. fact
19 > contents > 20 first steps to a fact sheets savings and investments loans remote banking day-to-day banking needs current account 21 Fact sheet1: fact Log in Internet Etoile DirectBourse Etoile Direct Remote banking(confidentialcodesor08103636)
sheets your bankstatement : 0892898 : 0892894 : +confidentialcode : www.credit-du-nord.fr 106 500500 (€0.34/minuteincludingVAT) (€0.34/minute includingVAT) to accessallourremote account balances. Here areallyour This isyouruserID banking services.
> contents > cheques andcashdeposited. account: transfersreceived, made, directdebits,cheques Here areallthecredit account: cashwithdrawals, transactions onyour card purchases,transfers Here areallthedebit transactions onyour issued, etc.
22
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- -
sheets fact
banking remote needs banking day to day investments and savings loans
a to steps first first steps to a fact sheets savings and investments loans remote banking day-to-day banking needs current account 23 (4) Additional notifications will be charged at (3) Open to clients aged 16 and over. (2) Subject to acceptance by the bank. of (1) Purchase Warranty cover may be taken out separately with our partner SPB at a cost (8) 500 cm (7) Except for managed or advisory accounts. (6) First year: 50% reduction on the annual card fee. (5) Open to clients aged 18 and over. Norplus/Tarneaud PlusPrivilèges Norplus/Tarneaud Plus Presse (subscriptions)Norplus/Tarneaud PlusSpectacles(shows) Norplus/Tarneaud PlusVoyages(travel) Stopped chequeorbook Cashier’s cheque Online bankingaccess charges Exemption fromanyquarterlybank FTT overdraftfacility and papers Protection foryourpaymentmeans,keys Warranty Bank cardwithextendedPurchase Fact sheet2: leisure American Expresscards useful essential Safe depositboxrental Asset Accountstatement personal loans Arrangement feesonyourhomeor Securities depositcharges insurance Protection Juridiquelegalprotection Savings insurance:SécuritéEpargne Account insurance:Sécurité12 e 10/year. Rate applicable on 1/7/2011.
(1)
3 - Preferentialratesonmanyservices - in volume, guaranteed up to a maximum of (3) Special privilegesandservices
- Essentialservices The Norplus/TarneaudPluspackage (2)(5) (3) (8)
(2)(5)(6) (7) (5) e (5) 0.26 including VAT. Rate applicable on 1/7/2011. month free account 6 account alerts/ Day-to-day management of your depending onyouragreement From depending onyourchoiceofcard of Minimum overdraftfacility insurance Sécurité Bleue option with orwithoutdebit/credit Visa Premier Carte BleueVisa e 800 to e e (2) 80,000. 8 to
(4) 20% REDUCTION 20% FREE OF CHARGE OF FREE e e
(2) INCLUDED 2,300 24 card,
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INCLUDED INCLUDED INCLUDED
INCLUDED INCLUDED
> contents > (9) € your family. and you for rates preferential at round year all offer on services leisure Exclusive advantages leisure of range a offers Club Plus Norplus/Tarneaud The your Online reductionsalsoavailableonawidechoiceofevents. for known brands of choice wide a from members Club for reductions Online on offers special last-minute or booking early to access online privileged Plus their quality and reliability (Yves Rocher, Darty, Delamaison, Fnac, Nature et et Nature Découvertes, etc.). Fnac, Delamaison, Darty, Rocher, (Yves reliability and quality their many destinations. you help to hand on professionals travel with service, agency travel Club’s The A ticketing agency providing advice and reservations for theatres, concerts, concerts, theatres, for reservations and advice providing agency ticketing A TheClubPress service offers preferential subscription ratesselection ato overof exhibitions, etc. 900 titles: save on newsstand prices, no tie-in period. organise bespokeholidaysandshortbreaks. Norplus/Tarneaud PlusSpectacles Norplus/Tarneaud PlusPresse Norplus/Tarneaud PlusPrivilèges Norplus/Tarneaud PlusVoyages Access alltheaboveservices: e
on yourbankstatement). By telephone on 0 890 891 891 Online: 0.15/minute including VATfromalandline, operatorsurchargesmay apply.
advantages on www.clubnorplus.com www.clubnorplus.com/tarneaud
with PRACTICAL INFORMATION
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24
account current
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banking remote needs banking day to day investments and savings loans
a to steps first first steps to a fact sheets savings and investments loans remote banking day-to-day banking needs current account 25 the listofmostrecenttransactions. consult and accounts the of details the access to name account particular a on Click you holddirectly,jointlyorasagent. on Click Fact sheet3: “Summary” Using theWebsite in “Your accounts” “Your Click here to access your bank statements. Click Click here to contact your Account Officer. “Print” of youraccountsummary. to consult the balances on all the accounts the all on balances the consult to toprintoutacopy > contents
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Find out about the American Express card range. over a given period. Download the entries on one of your accounts and set up standing orders. Make occasional transfers in France or abroad Manage your current account alerts. Check yourpersonalandhomeloans. Use or make a repayment on your revolving loan. Consult yourinvestments. Print copiesofyourRIB. Access your bank statements. Access yourNorplus/Tarneaud PlusClub. Order cheque books. Use our loan and savings simulators. Subscribe toanewproduct. Access financial information. Buy/sell securities. movements. Consult your securities account balance and vehicles (units of account or euro funds). Allocate your investments between different on your contract. Make a one-off deposit or set up regular deposits on your assurance vie contract. Consult the balance and recent transactions
26
account current
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banking remote needs banking day to day investments and savings loans
a to steps first first steps to a fact sheets savings and investments loans remote banking day-to-day banking needs current account 27 ➜ Fact sheet4: ➜ ➜ des Métiersnumber/city) (quote RCSnumber/cityorRépertoire SIREN number Length ofservice Functions Address Activity Employer Address Number of dependent children Me...... notary,of...... on...... ) (if applicable,contractlodgedwith Marriage contract (married on...... in...... ) Family situation Country Town/city Place ofbirth: Date ofbirth First name(s) Maiden name Last name Total (give details) Other income Family Allowances Net professionalincome
Personal details Profession Annual income Neiertz form Only documentsinFrench are legallybinding Non-contractual document. M M M M M M > contents > January 1978. 6 of 78-17 No. Act Protection Data French the under provided as access of right the of exercise to subject are They obligations. statutory or legal meet to or of needs sole the for used be will above given information The other than those declared above”. accuracytheofabove information anddeclare thathaveI knowledgeno anyofoutgoings Each signature to be preceded by the following handwritten reference: “I hereby certify the on: Drawn upin: ➜ ➜ ➜ ➜ ➜ Guarantees Annual repayments Maturity date Amount outstanding and address Lender’s name Purpose Purpose
______Other assets Property Guarantees given Other debts Outstanding loans(home-personalloans) Property type (pensions, annuities, rent) ______Description Amount Loan 1 , Annual payments Address Signature(s) Loan 2 Estimated value Maturity date Estimated value Maturity date Loan 3
28
account current
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banking remote needs banking day to day investments and savings loans
a to steps first
current first a to
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Fact sheet 5: Investor risk profile questionnaire to
a first current
Current account operation:
INVESTOR RISK PROFILE ASSESSMENT day
Approximately how much do you envisage paying into your current accounts monthly? - to needs -
This investor risk profile questionnaire forms part of the current regulations day
arising from transposition of European Commission Directive 2004/39/EC of banking Mainly in the form of: cheques deposited banking
21 April 2004. transfers received
day cash deposits
- The questionnaire is designed to gather information on the private investor’s needs to - level of investment knowledge and experience as regards the specific type of Movements to/from abroad: day product or service concerned, his financial situation and investment objectives. Do your current accounts show regular movements? to foreign countries (please specify nature of movements):
Interview date: from foreign countries (please specify nature of movements): remote
Ms. Mrs. Mr. Family situation
banking banking
Assets Married Last name: Divorced
remote First name(s): Single Main residence: In respect of your main residence, are you? Date of birth: Widowed Owner/occupier Tenant Housed rent-free Living with partner This questionnaire concerns: Separated You personally Your household (husband and wife) Property portfolio: Number of dependent children: How much do you estimate your property portfolio is worth (gross value)? e e
0 under 100,000 loans e100,000 - e300,000 over e300,000
loans Income Liquid assets: Net monthly income: 0 < e5,000 < e15,000 < e50,000 > e50,000 e0 < e1,500 e1,500 - e3,000 Precautionary savings e3,000 - e e5,000 - e10 000 e5,000 - e10,000
PEL/PEP savings Source of income: Securities portfolio or PEA
Salaried employment Assurance vie/PERP and Name of employer(s) :
investments investments Non salaried activity (self-employed professional etc.) Other and Retirement pension Other (rental income, etc.) savings fact Non-contractual document. Non-contractual document.
Only documents in French are legally binding Only documents in French are legally binding sheets sheets
fact
29 > contents > 30
current first a to
steps
account account steps
Fact sheet 5 (continued) to
a first current
Loans or debts 3) Your investment experience Do you know that investing in equities is designed to seek high returns day - at the price of a high capital risk? YES_ __ NO to
needs What is your estimate of the total loans or debts you still have outstanding? -
day Have you ever purchased or held equities? YES NO e0 under e10,000 banking e e e banking 10,000 to 100,000 over 100,000 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 day
- Saving capacity needs to Have you ever subscribed to bonds? YES NO - day Do you have a sum to invest? Yes No Are you aware of the level of risk_ Have you ever subscribed _ If yes, what is the amount? associated with these products? to any of these products?
How much do you estimate you can afford to save every month, including any current _ Warrants and other _ remote Yes No Yes No scheduled savings? leveraged products
Deferred settlement banking banking
Your investment objectives service Other financial investments remote (SCPI, FCPI, etc.) 1) What are your main investment objectives?
None 4) If the value of your investment dropped by 15% in the months ahead, Build up precautionary savings would you be more likely to: Sell out completely Future property purchase Time horizon: Sell part of your portfolio Additional income Wait for the market to rise again
Prepare for retirement Time horizon: loans Capital appreciation over less than 5 years Take advantage of the fall to invest further loans over 5 – 10 years over 10 years + 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 savings Prepared to accept low returns in return for no capital risk. memory for management purposes. Failing which, it may be impossible to provide certain services. Prepared to accept some capital risk in return for higher rewards. 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 and Seeking substantial returns and willing to accept substantial capital risk. January 1978, by writing to Crédit du Nord, Direction de la Qualité et des Relations Clients, 59, Boulevard Haussmann, 75008 Paris.
investments investments
and
savings fact Non-contractual document. Non-contractual document.
Only documents in French are legally binding Only documents in French are legally binding sheets sheets
fact
31 > contents > 32 online services always there when you need us
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 (COST OF LOCAL CALL) . To subscribe to any of these services, call: Agence kiss (COST OF LOCAL CALL)
Photos : Photos Graphic : Obsession.
> > sommairecontents 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 -