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- Cardif Assurance Vie, A French company governed by the French Insurance Code with capital of 514,196,688 euros Registered in Paris under number 732 028 154 RCS Intracommunity VAT FR 12732028154 Registered office: 1, boulevard Haussmann TSA 93000 75318 Paris cedex 09 Postal address: 4 Rue des Frères-Caudron, 92858 Rueil-Malmaison Cedex Tel: +33 (0) 1 41 42 83 00 Autorité de Contrôle des Assurances et des Mutuelles (ACAM) - French insurance industry regulatory authority : 61 rue Taitbout 75009 Paris

- and Cardif-Assurances Risques Divers SA (Société Anonyme) with capital of 12,480,000 euros Registered in Paris under number 308 896 547 RCS Registered office: 1, boulevard Haussmann 75009 Paris Postal address: 4 Rue des Frères-Caudron, 92858 Rueil-Malmaison Cedex Tel: +33 (0)1 41 42 83 00 hereafter called: Cardif

Eric Lombard

G.I.E. BNP Paribas Assurance, an Economic Interest Group governed by French legal order number 67-821 of 23 September 1967
Capital: 16,000 euros
Registered in Paris under number 318 246 899 RCS
Registered office: 1, boulevard Haussmann 75009 Paris

Under Article 34 of the French Law on Data Protection dated 6 January 1978, you have a right to access, amend, correct and delete data that concerns you. To avail yourself of that right, please contact: Cardif 4, rue des Frères-Caudron 92858 Rueil-Malmaison Cedex Data that concerns you is for internal purposes. It may occasionally be appropriate for us to pass it on to third parties. If you object to this, please inform us in writing by letter or e mail at the following address: Cardif 4, rue des Frères-Caudron 92858 Rueil-Malmaison Cedex

"Cookies" are files sent by a website administrator, in this case Cardif, to the hard disk of the website user enabling the administrator to identify and remember the website user when he connects to the site. Cardif may find it necessary to use the "cookies" system to collect data when you visit our web pages. This will help us find out which sections of our pages you are interested in. Cardif will then be able to appreciate your centres of interest and send you information specific to your requirements. Such data will not be held for more than one year. Cookies" will also save you from having to supply information that you have previously given, every time you connect. It will be possible for you to detect these "cookies" and, if you wish, delete them. To do this, we would remind you that your web browser software contains the option of blocking "cookies" on your computer.

Our web pages also offer links to other sites for which we are not responsible either for their standards of public order and decency, or for their personal data protection policy or the use that could be made of such data. When you access another website through a hypertext link, you are accepting that this access is at your own risk. Consequently, Cardif Assurance Vie, Cardif-Assurances Risques Divers, BNP Paribas Epargne et Retraite Entreprises and BNP Paribas Assurance cannot accept responsibility for any direct or indirect damages that may result from your access to another site connected by a hypertext link. We would also draw your attention to the use of public forums where you may be asked to give your identity or e-mail address. This information then enters the public domain and may be used by a third party using the service.

Copyright © 2004 Cardif Assurance Vie, Cardif-Assurances Risques Divers and G.I.E BNP Paribas Assurance. All reproduction and representation rights reserved. All the information reproduced on this website (dispatches, photos, logos) is protected by intellectual property rights owned by Cardif Assurance Vie, Cardif-Assurances Risques Divers and G.I.E BNP Paribas Assurance or their partners. Consequently, no information may be reproduced, modified, rebroadcast, translated, commercially exploited or reused in any way whatsoever without express prior written approval from Cardif Assurance Vie, Cardif-Assurances Risques Divers and G.I.E BNP Paribas Assurance.