CACI is a major player in creditor protection insurance in France and Europe, operating in 6 countries with 29 partners. It offers a range of insurance products including creditor protection, income protection, guaranteed automobile protection, and card and property coverage. CACI is a subsidiary of Credit Agricole Assurances, the largest bank insurer in Europe, and focuses on protecting customers and partners from financial risks. It has over 300 employees and had €971 million in revenue in 2014.

1. CAA RANKINGS (end 2014)
CACI
Our business, to protect you
and your projects
CACI (CRÉDIT AGRICOLE CREDITOR INSURANCE)
IS THE CRÉDIT AGRICOLE ASSURANCES GROUP
SUBSIDIARY SPECIALISING IN CREDITOR
PROTECTION INSURANCE (CPI) and is a major player
in France and Europe, with around 30 partners in 6
countries.
Since its creation in 2008, Caci has been extending
its business in partnership with retail banking and
specialised financial services companies.
Today Caci offers a comprehensive range of products
designed to meet the “Financial Protection” needs of
its customers and partners.
3 rd
4th
IN CREDITOR
PROTECTION
INSURANCE (CPI)
IN FRANCE
EUROPEAN SPECIALIST
IN THE CREDITOR
PROTECTION
INSURANCE MARKET

2. OUR GOVERNANCE
• EXECUTIVE
COMMITTEE
31 May 2015
From left to right
Yves Nanquette
Chairman of Caci,
Chief Executive Officer of LCL
Henri Le Bihan
Chief Executive Officer
of Caci
OUR FIGURES (end 2014)
€971 million
revenue
310 employees
29 partners
6 countries
Marc Vidal
Chief Financial Officer
David Atkinson
Head of Operations
Mary Ryan
Deputy Head
of Irish Companies
Olivier Mélennec
Head of Irish Companies
Henri Le Bihan
Chief Executive Officer
Arnaud Dufoort
Head of Digital, Projects and
Optimisation
Anne Arthaud
Head of Business
Development and Marketing
Hugues Hénin
Head of Italy and Business
Development for Italy, Spain
and Germany
Yann Renaut
Technical Director
TOTAL PREMIUMS
CPI PREMIUMS BY SECTOR
OF ACTIVITY
CPI PREMIUMS BY COUNTRY
26% Consumer finance,
France
10% Consumer finance,
international
7% Automobile captives
32% Retail banks,
international
25% Retail banks,
France
52% France
24% Italy
16% Poland
5% Germany
1% Spain
1% Portugal
1% Others
43% CPI* International
46% CPI* France
1 1 % Other products
€866 million
€866
million
€866
million
€971
million
*CPI: Creditor Protection Insurance
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3. GUARANTEED AUTOMOBILE PROTECTION
(GAP) is a product that provides policyholders
with compensation in the event of a financial loss
resulting from the theft or total destruction of
their vehicle
INCOME PROTECTION allows policyholders to
protect their standard of living in the event of
hardship (disability, inability to work...)
OUR OFFER
CREDITOR PROTECTION INSURANCE COVERS REPAYMENT OF A LOAN
IN THE EVENT OF DEATH, AN INABILITY TO WORK, DISABILITY OR
UNEMPLOYMENT ETC.
GENERAL
INSURANCE
BUILD UP
savings
COVER
your property
PROTECT
your purchases
SECURE
your loans
PREPARE
for retirement
PROTECT
your family
LIFE INSURANCE/SAVINGS/PENSIONS
PERSONAL RISK/
CREDITOR INSURANCE
Income protection
Creditor Protection Insurance
Personal Risk
Guaranteed Automobile
Protection (GAP)
Protection of cards and goods
INDIVIDUALS
PROFESSIONALS
FARMERS
CORPORATE
Caci provides coverage for most of its partners’ financial commitments and
for those of their end customers (loan instalments, bills, etc.) against risks
such as death, time off work, or unemployment.
PERSONAL RISK INSURANCE PRODUCTS are
designed to protect policyholders and their families
from the financial consequences of a serious personal
event (death, hospitalisation, injury…)
CARD AND PROPERTY COVERAGE insures the
following:
• the card and its use
• property in the event of theft, damage or
breakdown 3

4. OUR VALUES
Caci is founded on a set of core values that reflect our corporate culture and are an
expression of our commitment to our customers and partners.
• BE ENTREPRENEURIAL AND NIMBLE
We set ambitious objectives when we put products together for our clients. We
are pragmatic, flexible, and able to think outside the box and constantly challenge
ourselves to do even better.
• BE OPEN TO OTHERS
We are friendly and open.
Simplicity and spontaneity characterise our relations.
• SUCCEEDING TOGETHER
Our collective approach is characterised by our constant quest to find the best
possible synergy between available skills, wherever they are found, in different
departments, sites, or among our partners.
• BE CUSTOMER MINDED
We are service-minded. We seek to be proactive and innovative in anticipating the
needs of our customers. Our customer relations are built on professionalism and
understanding.
CACI IN FOUR DATES
2008CACI WAS FOUNDED
2009THE CACI OFFER
ROLLED OUT THROUGH
THE LCL NETWORK
2010OPENING OF OUR
BRANCHES IN ITALY
(FREEDOM OF
ESTABLISHMENT)
2013ROLL OUT OF THE CACI
OFFER IN THE FIRST
FOUR CRÉDIT AGRICOLE
REGIONAL BANKS
Caci received the 2014 CSR Trophy for Customer
Relations, which rewards exemplary HR social
practices, and was just elected
“Best Place to Work in Ireland 2015”,
an accreditation that measures the level of
employee trust and motivation.
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5. OUR PARTNERS
OVER THE PAST FEW YEARS, DIGITAL TECHNOLOGY,
MOBILITY AND SOCIAL NETWORKS HAVE BROUGHT
ABOUT SWIFT AND PROFOUND CHANGES to the
company and the area of customer relations. Caci
integrates these developments into all of its services
and organisation to improve the customers’ digital
experience and develop commercial performance.
AS PART OF ITS CONSTANT QUEST TO IMPROVE THE
QUALITY OF SERVICES IT PROVIDES TO PARTNERS
AND POLICYHOLDERS, Caci has developed a new
policy subscription tool, “iCACI”, designed for advisors in
branches of partner banks.
FIRST INTRODUCED IN DECEMBER 2014 IN LCL
BRANCHES, the iCACI tool provides advisors with
an intuitive and streamlined sales procedure to assist
customers in the different steps involved in insurance
policy subscription.
ICACI HAS BEEN INTEGRATED INTO LCL
MANAGEMENT SOFTWARE. This consolidation of tools
makes it possible to reduce application processing
time and facilitate data management using paper-free
processes.
iCACI ASSISTS ADVISORS IN THEIR ADVICE AND
SALES OF CACI PRODUCTS, by allowing them to
perform price simulations and complete instantly send
insurance policy subscription requests and online health
questionnaires to the management centre in Lille.
RETAIL BANKS
LCL, 13 Crédit Agricole Regional Banks (France), Cariparma
Group (Italy), Crédit Agricole Bank Polska (Poland)
AUTOMOBILE CAPTIVES
FCA Bank (joint venture between Fiat Chrysler Automobiles
and Crédit Agricole) – pan-European partnership
THE LOAN INSURANCE ANALYSIS TOOL USED IN
ICACI PROVIDES LCL ADVISORS WITH A BETTER
UNDERSTANDING OF CACI’S OFFERS AND THEIR
FEATURES. The product characteristics appear and are
highlighted based on the needs the customer expresses,
providing additional aspects for advisors to compare in
promoting CACI policies.
iCACI started rolling out in three Crédit Agricole Regional
Banks at the end of February 2015.
CONSUMER LOAN AND LEASING INSTITUTIONS
Crédit Agricole Consumer Finance France (and its
partners), CreditPlus (Germany), Agos (Italy), Credibom
(Portugal), CA Leasing and Factoring (France)
PARTNERS OUTSIDE THE GROUP
Endesa, Orange, Fnac
Caci has developed a large number of partnerships
FOCUS - CACI AND DIGITAL
5

6. CACI HOLDING HEADQUARTERS
Paris
INSURANCE COMPANIES
Dublin and Lille
BRANCHES
Milan and Paris
TEAMS
on 5 sites
TWO INDUSTRIAL MANAGEMENT
PLATFORMS:
LILLE: a policy and claims management
platform for partnerships such as LCL and
Crédit Agricole Regional Banks
DUBLIN: a pan-European management
platform for our partners under the
Freedom of Services. The principle of the
Freedom of Services allows an authorised
insurance company in a European Union
Member State to offer its services in all
the States of the Union without needing
to have an establishment there.
OUR EUROPEAN PRESENCE
Headquarters of the French companies
Headquarters of the Irish companies
Activities under the Freedom of Services
Activities under the Freedom of establishment
Caci holding
• CACI LEGAL STATUS AND REGISTERED OFFICE
16-18, boulevard de Vaugirard
75724 Paris Cedex 15
Société Anonyme with capital of 84,452,080 euros
385 254 297 RCS Paris
• OUR ORGANISATION • OUR SITES
CACI
HOLDING
Germany
Ireland
Poland
Italy
Spain
Portugal
France
Lille
Paris
CRÉDIT AGRICOLE ASSURANCES GROUP
(at 31/12/2014)
1st
BANK INSURER IN EUROPE AND 2nd
INSURER IN FRANCE
€30.3 BILLION TURNOVER
€249 BILLION IN LIFE INSURANCE ASSETS UNDER MANAGEMENT
3,500 EMPLOYEES
CACI IS A COMPANY OF THE CRÉDIT AGRICOLE ASSURANCES GROUP
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CAAcommunicationsandCSRdivision––may2015–Photos:CAPAPictures-A.Meyssonnier,PhilippeJacob,www.seignettelafontan.com
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