

	Startup Overseas France, Italy, Spain, USA, Mexico, Australia, New Zealand, Dubai and More..

Meet with scores of exhibitors offering advice and support in hundreds of specialist areas, including :

Starting a business in France?

Expanding your business in France?

Then you've come to the right place first!

Welcome to Business Startup Overseas. It's a brand new event launched specifically to help people like you - people planning to start a business abroad, expand a business internationally or trade overseas.

There’s never been a better time to trade in ‘the global market’ – and this is where you can learn all you need to know to succeed.

One place, hundreds of advisers, thousands of opportunities.

Startup Overseas will run alongside the established Business Startup event. Now in its seventh year, it's the first and undisputedly biggest and most comprehensive event for start-up and growing companies, bringing them together with hundreds of people and organisations which can help them to get going... and to succeed.

At Business Startup Overseas, in one single location you can:

Meet hundreds of public and private organisations which can help you start or expand your business abroad
Seek expert answers to the specific questions you have about your chosen destination and business
Choose from a range of seminars covering everything from banking abroad to web-enabled commerce, and every stop in between
Register for one of our specialist, interactive workshops, each of which explores the specific challenges and opportunities of a particular region
Review your business plans and ideas with enthusiastic experts
Meet the PLUs - 'people like us' who've tried and tested the theory of starting up overseas: learn from their fortunes and failings
Forge valuable new business and personal contacts for your new life
...and it's all FREE!

There's never been a better time to start or expand a business overseas... and there's never been an event like this anywhere in the world to help you.

See you there!

General Information The International dialling code is + 33. The language spoken is French and the local currency is the Euro (EUR). Local time is GMT +1. France is part of the European Union. Metropolitan France is divided into 22 regions, which makes up 96 departments. Each department is given a number e.g. department of Mayenne is 53. The French Republic is also made up of: 4 overseas regions (regions d’outre-mer or ROM): Guadeloupe, French Guiana, Martinique and Réunion, which have the same status as Metropolitan France. 6 overseas collectivities (collectivities d’outre-mer or COM): French Polynesia, Saint Martin, etc. 1 overseas territory (territoire d’outre-mer or TOM): The French Southern and Antarctic Lands. Business Opportunities in France With the introduction of cheap air fares, numerous airports, Channel Tunnel, Eurostar, etc. France is a quick and easy country to commute to and from, making trading/working in France a viable option. France is the third largest country to receive direct foreign investment. Small businesses are very popular in France especially local artisans like plumbers, builders, etc France is well known for being very agricultural but the following industries are common place: Railways Software/ICT Design/Media Internet Chemical/pharmaceuticals/healthcare Food/Drink Biotechnology Aerospace Plus many more…. Business in France Do I need a visa to work in France?You only need a visa if you are from a country outside of the European Union. How do I go about setting up a business or trading in France? You will need to register the business (La demande d’immatriculation). This takes place at one of the numerous French equivalents to Companies House (Centre de Formalités des Entreprises – CFE) depending on the type of business activity. Chambre de Métiers – for craftesmen HYPERLINK "http://www.artisanat.fr/" www.artisanat.fr/ Chambre de Commerce et d’Industrie - HYPERLINK "http://www.cci.fr/" www.cci.fr/ Chambres d’Agriculture – for farmers HYPERLINK "http://www.paris.apca.chambagri.fr/apca/default.htm/" www.paris.apca.chambagri.fr/apca/default.htm/ URSSAF (Union de recouvrement des cotisations de sécurité) HYPERLINK "http://www.urssaf.fr" www.urssaf.fr – for professions or employers of a business that are not listed on the Register of Trades or the Commercial and Companies Register. Greffe du Tribunal du Commerce (Clerk of the Commercial Court) – for sales representatives. If you are not sure which CFE to visit, you can ask your local Chambre de Commerce et d’Industrie and they will be able to help you. You will need to take the following documents with you to the CFE: Valid Passport Utility Bill (telephone bills not accepted) Marriage Certificate (if applicable) Check with your CFE for other documents they require. The documents necessary for admission are signed and filed with the CFE. They submit the documents to the Greffe du Tribunal de Commerce (Clerk of the Commercial Court). Your company will be entered in to the Commercial and Companies Register. An individual trader will be registered in the Registre du Commerce (Trade Register). A nominal fee will be charged for this service. The relevant CFE will pass on your paperwork to the appropriate social security offices, local tax office (Centre des Impôts) and to l’Institut National de la Statistique et des Etudes Economiques – INSEE (National Institute of Statistics and Economic Studies). INSEE will then issue you with your NAF code (code given to the prinicipal activity of the business), SIREN and/or SIRET numbers (company ID numbers). To find out the fees for registering a business, to search for existing business names, to find the location of your local Tribunal de Commerce, to obtain the toolkit for Entrepreneurs, and special offers go to their website http://www.infogreffe.fr/infogreffe/index.jsp www.infogreffe.fr/infogreffe/index.jsp. It is very informative. What are the business classifications? Entreprise Individuelle – sole trader. There are three types of classifications, which are: Professional liberals (lawyer, doctor, architect, accountant, etc.). Commerçants individuals (shopkeepers, traders). Artisans (joiner, builder, craftsmen, decorator). Sole traders in certain professions will need to have the necessary qualifications, which are recognised in France. These qualifications will have to be translated by a sworn translator. It is a requirement that all professions will have to attend a short business management course. Sole traders have no protection of limited liability and cannot claim an unemployment benefit if the business fails. Social security payments must be paid even if the business has no income or profit. Entreprise Unipersonnelle à Responsabilité Limitée EURL – private limited company under sole ownership. This type of business enables an individual entrepreneur to have limited liability. The initial business outlay can be no less than 7 500 Euros capital. The liability is limited to the initial capital. There are more legal requirements and accounting for this type of business. Société à Responsabilité Limitée SARL – limited company. There must be at least two and not exceeding fifty shareholders, who can be individuals or companies either French or foreign. Again the share capital must be a minimum of 7 500 Euros and this capital must be paid at the time of incorporation. The liability is limited to each shareholders initial capital. A SARL is managed by one to two managers. If they are minority shareholders they are usually classed as salaried employees for tax and social security contributions. Société Anonyme SA – limited company controlled by shares. A minimum of seven shareholders are required to start this type of business. Each shareholder must invest a minimum share capital of 37 000 Euros or 225 000 Euros is required if the business has made a public offering. The shares must be fully subscribed. Micro-entreprise – smallest type of business. This type of company is restricted to companies that have a small turnover and are therefore not subject to VAT (TVA). A micro enterprise is reserved for traders and artisans who are usually self-employed. Très petite entreprise (TPE) – Very small business. This type of companies employs less than 10 salaried staff and the annual turnover is less less than 2 million Euros per year. Petite entreprise (PE) – Small Business Employs between 10 and 49 salaried staff and the annual turnover is less than 10 million Euros per year. Moyenne entreprise (ME) – Medium sized business. Employs between 50 and 249 salaried staff and the annual turnover is less than 50 million Euros per year. Grande entreprise – Large business. Employs 250 plus salaried staff and the annual turnover is less than 50 million Euros per year. Groupe d’entreprises – Group of companies. The terminology Small to Medium size Enterprise - SME (PME) is used in France and has the same definition. Do not worry which category you fit into as the CFE where you register the business will tell you. Can I convert a business to a different type of business after I have started trading? It is possible but there may be restrictions and certain rules will apply. As tax and legal requirements might change and could be costly, it may be better to start an entirely new business. How do you buy and sell shares connected to a business? For a SARL the shares can only be transferred to an existing shareholder and the share is registered in the Commercial and Companies Register within one month of execution. A Notaire can assist you with this. (Please see the Notaire section). 4.8% Stamp Duty is payable on the share transfer. For a SA the shareholders can transfer their shares freely unless the status of the shares require the board of directors have to approve the transfer. No Stamp duty has to be paid on the transfer of shares in a SA. What professions have special regulations for non-French citizens? Some professions/activities are restricted to French citizens and certain activities require particular qualifications. It is important to check whether your profession is listed. You can also apply for your qualifications to be translated. The Centre International d’études pédagogiques (CIEP) website is very useful site to search your profession and how to get your qualifications translated.http://www.ciep.fr/en/enic-naricfr/index.php www.ciep.fr/en/enic-naricfr/index.php How do I go about buying or leasing an existing business or commercial property? Commercial Law is complicated, as most things are in France. French Commercial law consists of different components, which are dealt with in different transactions i.e. the commercial property itself is classed as the actual walls of the building and the business, which includes the existing clients, trade names, which is known as the fonds de commerce. Avocats (lawyers) and Notaires (notary) are responsible for drawing up the necessary contracts for the sale and purchase of a fonds de commerce. What about buying or leasing the commercial property? The process is similar to buying or leasing a residential property. An estate agent (agent immoblilier) and notaire will help you find a premise. How do I claim for a court order for debtors? Regardless of the amount owed, you can apply for a court order but the debtor must be another company or merchant. The claim must be contractual (e.g. unpaid invoice, rental agreement, etc.) and must be for a specific amount and have the applicable documents to support the claim. You can apply for a court order to the Registry of the Commercial Court (RCS) where the debtor is registered. These courts are located throughout France with different jurisdictions. The order is presented to the Presiding Judge. What happens if a company cannot pay their debts? The company must file for a declaration of suspension of payments with the RCS. Submission of this declaration must be within 45 days of the date of the suspension of payments so that Court proceedings can take place to start liquidation or court supervised recovery. These Court proceedings apply to all types of businesses, large or small. What if my activity is on an “odd job” basis? Chéque Emploi Associatif is a simple service, which is free and secure. http://www.cea.urssaf.fr/cea/home.jsp www.cea.urssaf.fr/cea/home.jsp. If my spouse is not involved in the business, will she get health cover like me? Who are the organisations to apply to for funding? What is a notaire? Notaires are responsible to the Ministry of Justice. They are public officers who also work independently. Notaires deal with all legal matters in relation to the following: Family e.g. marriage, divorce, adoption, etc Home e.g. Purchasing/selling, letting, funding, etc Estate e.g. Organising and transferring Business e.g. Starting a Business, Commercial and Rural Leases, Agricultural businesses, Martial Regimes for business owners, contracts, etc. Visit the Notaires de France website to find a notaire in your area "http://www.notaires.fr www.notaires.fr and click on the Union Flag for the English version. Can I sell my UK franchise/business opportunity in France? It is possible to sell your UK Franchise in France. There are many things to consider e.g. to decide if French or UK law will apply, will your franchisees have to speak English - the paperwork will be French as your Franchisee will have to start a French business to start trading, will you be able to commute easily to visit your franchisees, etc. You can contact the Fédération Française de la Franchise. They have French speaking staff who can assist you. "http://www.franchise-fff.com www.franchise-fff.com Information on Taxes When do I become a French tax resident? When France is your main residence. You spend more than 183 days in France in a calendar year. This is a grey area though. Your principal activity is in France. France is where your principal investments’ are located, or where the largest part of your income is earned. What is the French tax year? 1 January to 31 December. What are the yearly tax forms to be submitted? Déclaration des revenues – Income Tax, which is to be submitted to your local Hôtel des Impôts. Their address and deadline date for submission will be printed on the form. Déclaration Commune des Revenus des Professions Indépendantes – to calculate health care contributions. Again, their address and deadline date for submission will be printed on the form. How does French income tax compare to UK tax? Taxation is expensive in France and complex. What is the French equivalent to VAT? The French equivalent is TVA (taxe sur la valeur ajoutée). There are three rates: 19,6% - Normal 5,5% - reduced rate e.g. charged by the water board, artisans renovating a house older than two years old. 2,1% - Super-reduced rate: very rare What does HT/TTC mean? If the price has HT (hors taxe) next to it, it indicates that the price does not include the TVA and the TTC (toutes taxe comprises) price does include the tax. How much do I have to earn before I start charging TVA? If your turnover is less than 27 000 Euros, you must write the following on each invoice explaining that you are exempt from charging TVA. “TVA non applicable, art.293B du CGI.” Does the VAT system work the same way in France? Quarterly returns are submitted with the exception of the final quarter, which ends in November. Charging TVA is the same as the UK but claiming it back does differ as the items you can claim on are different e.g. you can claim back the TVA on diesel but not petrol. What is Taxe Professionnelle – TP ? This is business licence tax that all business activities in France have to pay yearly. The tax paid is passed to your local commune. Day-to-Day Information What about Banking in France? To open a French bank account is not difficult to do but you will need the following documentation: Passports for the account holders. Proof of French Address: one utility bill (telephone bills not accepted). Proof of earnings or status: Contract of Employment/pay slips/proof of status. UK bank account statement. In some banks/Post Office: birth/marriage certificate. You will receive a cheque book and if you wish, a debit card (carte bancaire or carte bleue), which has a yearly charge. They will normally arrive in a week to ten days but you need to clarify whether they you will have to go to your local branch to collect them (for security reasons) or whether they will be sent to your home address. It is important to know that in France it is offence to write a cheque in payment without the funds being available in the account to cover the cheque amount. It is possible to open accounts in joint names so both of the named account holders can sign the cheque. Overdrafts and internet banking services are also available. Can I use a UK Business Bank account for a French business? This is a possibility but it is advisable to have bank accounts in both France and the UK. How is the social security system (sécurité sociale) organised? The system is divided into three main schemes: Régime général - for employed people (salariés), which accounts for around 80% of the French population. Régime social des indépendants RSI – for artisans, shopkeepers, and professionals. "http://www.le-rsi.fr" www.le-rsi.fr Régime agricole – for farmers and run by MSA http://www.msa.fr" www.msa.fr If I have a French registered business, will I be entitled to a French pension (retraite)? Social security payments are mandatory. Part of these payments (cotisations) include your pension. There are different types of pension available to you and you can pay top up points for your pension to build it up quickly. This is great if you enter the system at a later stage but still want to receive a full pension. The pensionable age is 60 years old and applies to both men and women. How much will I pay towards my pension? It is not a fixed rate. It is calculated using the figures submitted in your tax return: the more you earn the more you pay. When I retire in France, when I have ceased trading, will I be able to claim for a UK pension as I have paid into the system prior to moving to France? You need to inform HM Revenue and Customs and then you can apply to pay Voluntary National Insurance contributions and will later be entitled to receive a UK pension when the time arises. HMRC Residency (Newcastle) Longbenton Newcastle Upon Tyne NE98 1ZZ United Kingdom Telephone 0845 605 5999 Fax 0845 366 7828 Minicom 0845 366 7805 For all of the information you can visit their website "http://www.hmrc.gov.uk/nonresidents/tmanational-insurance-contributions-and-statements.shtml www.hmrc.gov.uk/nonresidents/tmanational-insurance-contributions-and-statements.shtml Where can I go for free help and advice in relation to Social security payments, health contributions, tax, etc There is an organisation called CER France with offices located throughout France. They provide free advice on all financial aspects of business and accountancy. To find your local office visit their website http://www.cerfrance.fr www.cerfrance.fr Will I be entitled to claim for French Family Allowance? You can only claim for French family allowance if you have two or more children. You will have to inform the DSS that you are no longer resident in the UK. They will issue you with a form to state that you are no longer receiving Child Benefit from the UK. There are numerous CAF (Caisse D’Allocations Familiales) offices in the main cities around France. To find your local office visit their website http://www.caf.fr/wps/portal www.caf.fr/wps/portal To apply for family allowance you will need to take with you: The form issued by the DSS. Passports for all of the family members. Completed CAF form (Déclaration de Situation) Marriage Certificate (if applicable) French Bank Account details (Réleve d’Identité Bancaire) Registration form - Extrait du Registre du Commerce et des Sociétés issued by Greffe du Tribunal de Commerce. URSSAF Notification Income Tax Declaration Carte de Séjour (this is optional) A representative from CAF will then come to see you at your home. Following the completion of the application you will then receive a card (carte d’allocataire) and notification of the amount you will receive each month. The amount you receive will be calculated with the figures of your earnings and how many children you have. CAF will send you a form (Déclaration De Ressources) for completion every year. CAF is responsible for everyone except rural or agricultural businesses. MSA supports farmers and their families in relation to health, family allowance and retirement services. http://www.msa.fr www.msa.fr. What is a Mairie? A mairie is a Town Hall and is therefore a local Government office. Each commune/village has a Mairie and they all have different opening times depending on the size of the commune. They are great source about information about life in France (e.g. marriage, contact details of the local CFE, car registration, etc.) How do I register a vehicle in France? You can either visit your local mairie or prefecture. Each departmental capital (departments have the equivalent to a capital city e.g. Rennes for department 35) has a Prefecture, which is a government building that is responsible for issuing driving licenses, French ID cards, Carte de Sejour, re-registering vehicles, etc. If you have all of the correct documentation the Prefecture will issue you with the carte grise - registration form including the registration number (numéro d’immatriculation) immediately. You will have wait longer for the Mairie to submit the paperwork on your behalf. You will need the following documentation: Demande de Certificat d’Immatriculation - request form (available from the Prefecture/Mairie). ContrôleTechnique – CT (French equivalent of the MOT certificate). The headlights will need to be changed as the optics shine in the opposite direction in France. This is valid for two years. Certificat d’Acquisition - To prove that the VAT has been paid. This form available from the Hôtel des Impots- local tax office and you will need to take the receipt for the vehicle, UK log book and passport. The registered keeper of the vehicle must be sign this form Valid Passport of the person registering the vehicle. Utility bill (telephone bills are not accepted). UK vehicle log book. Attestation d’Identification Pour Vehicle Importe – Find the French head office of your make of vehicle and write to the asking for this form. You must include the registered keepers details and the UK registration number. They will write back asking for payment for issuing the form. Once they have received your payment (French cheque) they will send you the form including all of the information of your vehicle. Payment (Cash or French cheque) How much is car tax? There is no charge for car tax. Can I keep my UK driving licence? After two months of being resident you have to change your UK driving licence for a French driving licence. You will need to visit your local Prefecture with the following paperwork. While you wait, your paperwork is processed and your French licence is handed to you directly. Your Vehicle classifications will be translated and your UK points will be added. You will need to take the following with you: 2 identical passport photo’s. Both parts of your UK licence. Valid passport. Utility Bill (telephone bills not accepted) Payment – cash or cheque (approximately 45 Euros) As a business, will I be charged for taking my rubbish to the local tip (déchèterie)? You will be charged a small fee. Health Care What is the French equivalent to the NHS? The French health care system works like Private health care as everyone has to pay into the system. The contributions are mandatory and you will be reimbursed 70% of the total cost. To receive the 100% you will have to take out an insurance policy (Assurance Complimentaire), which is available from all insurance companies and banks. Dental care, eye tests, and glasses are also included. What is a Carte Vitale? It is a health insurance card. Each person older than 16 years of age will be issued with a card. The holders name, social security number, date of issue and a chip. The chip contains the information of the holder and their dependants under the age of 16 years. The card can be presented to the doctor, chemist with a doctors prescription, dentist, hospital and other medical establishments. Insurance Where can I buy insurance? Like the UK, Insurance companies, insurance brokers and banks sell all types if insurance. Can I get French insurance for my UK registered vehicles? Most French insurance companies will insure a UK registered cars for the first year in the understanding that the car will be re-registered in France during that year. It is a requirement to re-register a vehicle within the first three months of being in France. See Date-To-Date Information. A green card (insurance certificate) will be issued to the insured party. You must remove part of the green card (a small square) and fix onto the windscreen of the insured vehicle. How do they calculate Household insurance (Assurance d’Habitation)? It depends on the insurance company but it usually relates to the size of the house, the number of rooms (bathrooms are sometimes not included), the size of each room and type of policy required e.g. new for old contents insurance. Will I need business and liability insurance? You must have insurance, and like the UK, there are many different policies available covering you for personal injury, injury to an employee, damage to a clients property, business premises, theft and damage to hotel guests property, etc. It is compulsory for certain businesses to have insurance i.e. travel and estate agents, architects, accountants and legal experts. A ten-year liability requirement is necessary for builders and civil engineers. When the insurance policy has expired, can I change to another insurer? At least two month’s prior to the expiry date of the policy, you must inform your current insurance company that on the date of expiry, you will no longer be renewing your policy with them. If you are happy with the policy, etc, your policy will automatically recommence after the expiry date. You will be issued with a new insurance document and will need to pay the premium. What are the regulations for Specific Businesses? Establishments who welcome the public e.g. cafés, bars, restaurants, hotels, etc. are regulated by a special law concerning the risk of fire and panic. There are specific insurance policies applicable to these types of activities. An establishment selling beverages, (débit de boisson) except restaurants, must obtain the appropriate licence to sell drink. The licence has four options: Licence for non-alcoholic drinks. Licence for non-alcoholics drinks and alcoholics drinks with an alcoholic content with 3 or more degrees alcohol content. Licence for the two above plus drinks with an alcoholic content with more than 18 degrees alcohol content. Licence for the three above plus spirits, rums, brandies, liqueurs and all remaining drinks that are not prohibited. Two weeks prior to opening or taking over a débit de boisson (drinking establishment), written notification must be sent to the Préfecture de Police in Paris. Their contact details are: Préfecture de Police de Paris 19, Rue Truffant 75017 Paris Tel: +33 (0)1 44 90 37 17 http://www.prefecture-police-paris.interior.gouv.fr www.prefecture-police-paris.interior.gouv.fr What is the difference between a restaurant and a drinking establishment? More liberal regulations apply to restaurants as they serve drinks that accompany a main meal. The restaurant may apply for a licence if they want to sell alcoholic drinks. How many rooms are there in a Bed and Breakfast (chambres d’hôtes)? A chambres d’hôtes is limited to 5 bedrooms and 15 guests. When you start trading you will need to inform your local mairie. What about a guest house? It is classed as a chambres d’hôtes/table d’hôtes as an evening meal is served in addition to breakfast. Again, you when you start trading you will need to inform your local mairie. What is a gîte? A gite is an apartment or house in a rural location that is rented for holiday lets. Grants are available if you wish to renovate a property to use as a gite. You can apply to: Gîtes de France 59 rue Saint-Lazare 75439 PARIS Cedex 09 Tel : +33 (0)1 49 70 75 75 Fax : +33 (0)1 42 81 28 53 mailto:info@gites-de-france.fr info@gites-de-france.fr http://www.gites-de-france.com www.gites-de-france.com Staff Employment Where can I find staff? The French equivalent to Job centre Plus is the ANPE (Agence Nationale I’Emploi) HYPERLINK "http://www.anpe.fr" www.anpe.fr. Like the UK, there are many newspapers, websites, recruitment agencies that you can use to find staff. How do I go about employing staff? Before employing any staff it is a good idea to seek legal advice as Employment law is complicated in France. You must inform the labour inspectorate that the business and establishment are available for inspection. Your new employee must visit their doctor for a medical. As their employer, you must inform URSSAF, ASSEDIC –Associations pour l‘Emploi dans I’Industrie et le Commerce ( HYPERLINK "http://www.assedic.fr" www.assedic.fr), pension organisations, etc to register them for Social Security. Your employees will have to contribute approximately 17% of their gross salary towards mandatory social charges, which cover pensions, health cover, family benefits, etc. As an employer, you will have to contribute approximately 45.5% of your gross salary. What types of employee contracts are available in France? There are three main types of contract: Contrat à durée indeterminée CDI – for an indefinate period. Contrat à durée determinée CDD – for a fixed period. Contrat apprentissage – Relates to an apprentice. Contrat Jeune en Entreprise CJE - employing staff between the ages of 16 and 25 years. Contrat de travail à temps partiel – part-time staff What is the minimum wage? In 2008: Hourly gross wage is 8,63 Euros. Monthly gross minimum wage for 151,67 hours’ work is 1,308.88 Euros. How many hours are in the working week? The standard French working week is currently 35 hours but there are exceptions to the rules and strict employment codes apply (Code du Travail). What are employees’ Holiday entitlements? It depends on the activity but the usual paid holiday entitlement is 5 weeks. What happens if an employee is ill or falls pregnant? Paid sick leave (congé de Maladie) applies in France but like all employment law it is very complicated so it is best to seek advice. Maternity Leave (congé de maternité) can start when the pregnancy is into the seventh month. The duration of the leave depends on the number of children the mother has. Again, it is best to seek advice. Do I have to pay staff extra salary for working a bank holiday (jour férié) There are eleven bank holidays in France. They are fixed dates except Easter (Pâques). Again, it depends on the activity but some activities receive double pay, others receive a day off to the replace the BH worked and other activities receive additional pay. Do rates of pay compare well to UK pay rates? What happens when I have to dismiss an employee? It depends on the reason for dismissal, whether it being for economic reasons e.g. the business has to cease trading or something has happened to the employee.

Banking In France

Details of Banks

BNP Paribas 15r Bac 75007 Paris Tel: +33 820 820 001 Fax: +33 1 55 04 82 45 www.bnpparibas.net Banque de France 39r Croix des Petits Champs 75001 Paris Tel : +33 1 42 92 42 92 www.banque-france.fr Banque Populaire Le Ponant de Paris 5r Leblanc 75511 Paris Cedex 15 Tel : +33 1 40 39 60 00 Fax : +33 1 40 39 60 01 www.banquepopulaire.fr Credit Agricole 31r Constantine 75007 Paris Tel: +33 1 44 18 31 94 www.credit-agricole.fr Credit Agricole Britline (English speaking Branch) 15 espanade Brillaud de Laujardiére 14050 Caen Cedex Tel : +33 2 31 55 67 89 Fax : +33 2 31 55 63 99 www.britline.com Credit Lyonnais 4pl Gambetta 75020 Paris Tel: +33 8 20 82 34 70 www.lcl.fr Crédit Mutuel 88r Cardinet 75847 Paris Cedex17 Tel: 01 44 01 10 10 www.creditmutuel.com/groupe/fr Société Générale 42av Félix Faure 75015 Paris Tel: +33 1 56 82 31 00 www.socgen.com Caisse d’épargne 27r Tombe Issoire 75014 Paris Tel :+33 821 01 02 87 www.caisse-epargne.com HSBC France 7r Alboni 75016 Paris Tel : +33 800 090 100 www.hsbc.fr La Banque Postale 34 rue de la Fédération 75115 Paris Cedex 15 Tel : +33 1 56 77 60 00 www.labanquepostale.fr

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