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Article , the AMF registered this reference document on June 3, 2009 under No. R This document may only be used in support forex tunisiebooking a financial transaction if it is completed by the relevant note approved by AMF.

This document was drawn up by the issuer under its responsibility and liability. Copies of this document are available on request at no charge from the headquarters of Banque Fédérative du Crédit Mutuel. Banque Fédérative du Crédit Mutuel Société Anonyme with capital of 1,302,192,250 Headquarters: 34 rue du Wacken B. 5 Person responsible for the Reference Document and persons with responsibility for the control of the financial statements Chapter VII DOCUMENTS ON PUBLIC ACCESS Documents on public access Person responsible for the information Table of Concordance of Reference Documnet Ce This reference document also serves as the annual financial report. 1 Documents on public access198 7. 2 Person responsible for the information198 7.

Chapter I PRESENTATION OF BFCM GROUP 1. ACM Vie Mutuelle and by the Caisses de Crédit Mutuel des Fédérations de Crédit Mutuel Centre Est Europe, Sud-Est, Ile-de-France, Savoie Mont-Blanc. Origins of Crédit Mutuel 1877: Raiffeisen sets up the Federation of Caisses de la Rhénanie, whose mission is to control, advise and represent the Caisses. 1882: Set up of the first Caisse de Crédit Mutuel at Wantzenau. 1885: Set up of the Federations of Basse Alsace and of Haute Alsace. 1895: Opening in Strasbourg of a branch of Caisse Centrale de Neuwied. 1897: Set up of the Federation of Lorraine.