FCT GINKGO COMPARTMENT SALES FINANCE 2011 -1 EUR

FCT GINKGO COMPARTMENT SALES FINANCE 2011 -1 EUR [ • ]M Securitisation of French Consumer Loans Investor Presentation September 2011 1 Strictly Private and Confidential

Disclaimer Crédit Agricole Corporate and Investment Bank, the Royal Bank of Scotland plc (“RBS”) and Uni. Credit Bank AG, London Branch (together, the “Managers”) have been retained by CA Consumer Finance S. A. (together with its affiliates, “CA Consumer Finance”) in connection with the proposed issue of Class A asset backed floating rate notes (the “Notes”) by the Fonds commun de titrisation FCT Ginkgo (“FCT Ginkgo”). This presentation (the “Investor Presentation”) has been prepared solely for informational purposes and is a summary of certain proposed terms of an offering of the Notes as currently contemplated in connection with preliminary discussions with potential investors in the Notes and does not purport (i) to be a complete description of all material terms or of the terms (which may be different from the ones referred to herein) of an offering that may be finally consummated or (ii) to contain all of the information that a prospective investor may require to make a full analysis of the transaction and the matters referred to herein. Any assumptions, data, projections, forecasts or estimates are forward looking statements and based upon information furnished by CA Consumer Finance or publicly available information and reflect subjective estimates and assumptions concerning circumstances and events that have not yet taken place. Accordingly, there can be no assurance or guarantee that any projected or forecasted results will be attained. Actual results may vary from such projections and forecasts, past performance is not necessarily indicative of future performance, and such variations may be material. In connection with any placement of the Notes, FCT Ginkgo will prepare and deliver to potential investors a preliminary prospectus, prospectus or other appropriate offering materials relating to an investment in the Notes, which will contain material information not contained herein, including a description of FCT Ginkgo, the definitive terms of the transaction and information concerning the manner in which the Notes will be offered. Any decision to invest in such Notes should be made solely in reliance upon such offering materials. Under no circumstances shall the information presented herein constitute and should not be considered as an offer to sell or the solicitation of an offer to buy or sell any security or instrument or to participate in any trading strategy nor shall there be any sale of any securities in any jurisdiction in which such offer, solicitation or sale would be unlawful under the securities laws of such jurisdiction. The information presented herein is an advertisement and does not comprise a prospectus for the purposes of EU Directive 2003/71/EC. The information herein has not been reviewed or approved by any rating agency, government entity, regulatory body or listing authority and does not constitute listing particulars in compliance with the regulations or rules of any stock exchange. Any offering will be made only by means of the appropriate offering materials, which will contain material information not in this Investor Presentation. The information herein is preliminary, limited in nature and subject to completion and amendment, and will be superseded by the preliminary prospectus and subsequently the final prospectus relating to this transaction (the “Final Prospectus”). When available, the Final Prospectus will be published on the website of the Luxembourg Stock Exchange and may be obtained from the Managers, the paying agent (CACEIS) or the management company (Euro. Titrisation) or the depositary (CA Consumer Finance) of FCT Ginkgo following the preparation thereof. All opinions and estimates included in this document speak as of the date of this document and are subject to change without notice. This document addresses only certain aspects of the applicable securities characteristics and thus does not provide a complete assessment: as such it may not reflect the impact of all structural characteristics of the securities. Receipt of this Investor Presentation involves no obligation or commitment of any kind. Prospective investors are not to construe information contained herein, in any preliminary prospectus, prospectus or other offering materials or in any prior or subsequent communication from FCT Ginkgo or any of its representatives, including the Managers, as a recommendation that any recipient of this Investor Presentation invest in the Notes or FCT Ginkgo, or that the Notes are a suitable investment for such recipient or any other person or as legal, accounting or tax advice. None of the Managers make any representation nor give any advice concerning the appropriate regulatory accounting treatment or possible tax consequences in connection with the proposed transaction. This Investor Presentation is based on information provided by CA Consumer Finance and publicly available information. The information in this Investor Presentation has not been independently verified by the Managers. The Managers make no representation or warranty, express or implied, as to the accuracy or completeness of such information. None of the Managers will be responsible or liable for the consequences of reliance upon any statement, opinion or information contained herein or any omission therefrom. The anagers therefore disclaim, to the extent permitted by applicable law, any and all liability relating to this Investor Presentation including without limitation any express or implied representations or warranties for statements contained in, and omissions from, the information herein. None of the Managers nor any of their respective employees, directors, subsidiaries or affiliates and any of their respective employees, directors, officers, advisers, agents or subcontractors accept any liability or responsibility in respect of the information herein and shall not, to the extent permitted by applicable law, be liable for any loss of any kind which may arise from reliance by you, or others, upon such information. The information contained herein is subject to change without notice, and is qualified in its entirety by the information in the Final Prospectus for this transaction. This Investor Presentation has been sent to you in the belief that you are (i) (if you are located in the United Kingdom) a person who is of the kind described in Article 19(5) or Article 49(2) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005, (ii) (if you are located in France) a qualified investor acting for its own account or a person providing portfolio management financial services, all as defined and in accordance with Article L. 411 -2 and Article D. 411 -2 of the French Monetary and Financial Code or (iii) (if you are located outside the United Kingdom or France) a person to whom this Investor Presentation can be sent lawfully in accordance with applicable securities laws and by your receipt of this Investor Presentation you are confirming to the Managers that you are such a person and may not be reproduced, redistributed or passed on to any other person or published, in whole or in part, for any purpose, without the prior written consent of Managers. If this is not the case, then you must return this Investor Presentation to the Managers immediately. Furthermore, the information herein is confidential and may be price sensitive and you must not publish, reproduce, redistribute, disclose or pass on this Investor Presentation to anybody else, in whole or in part, for any purpose. Failure to comply with this may violate the Securities Act or the applicable laws of other jurisdictions. The securities discussed herein have not been and will not be registered under the United States Securities Act of 1933, as amended (the “Securities Act”). Such securities may not be offered or sold, pledged or otherwise transferred, directly or indirectly, and this document may not be disseminated, in the United States or to any U. S. person, except to the extent mentioned in the Final Prospectus. FCT Ginkgo has not been registered under the US Investment Company Act of 1940, as amended. Neither of the Managers owes any duty to any person who receives this Investor Presentation (except as required by law or regulation) to exercise any judgement on such person’s behalf as to the merits or suitability of any transaction or securities. Prior to making an investment decision, investors should conduct such investigations as they deem necessary to verify the information contained in the prospectus or other offering materials that will be prepared at a later date and to determine if their interest in investing in the Notes is appropriate and suitable for them. In addition investors should consult their own legal, accounting and tax advisors in order to determine the consequences of an investment or possible investment in the notes issued by FCT Ginkgo and to make an independent evaluation of such investment. None of the Managers is a legal, tax or accounting advisor. The Managers may currently and from time to time provide investment banking services (including without limitation corporate finance services) for the companies mentioned in this document and may from time to time participate or invest in commercial banking transactions (including without limitation loans) with the companies mentioned in this document. Accordingly, information may be available to the Managers which is not reflected in this document. Any Manager may make a market in the Notes described in this document. Accordingly, any Manager may actively trade these Notes or related derivatives for its own account and those of its customers and, at any time, may have a long or short position in these Notes or derivatives related hereto. In addition, the Managers may possess or come to possess public or confidential information concerning CA Consumer Finance, FCT Ginkgo or their affiliates without providing or being under any obligation to provide such information to such investors or prospective investors. Certain statements in this document are forward-looking statements and, by their nature, involve risks and uncertainties because they relate to events and depend on circumstances that may or may not occur in the future. Actual results could differ materially from those stated or implied by such forward-looking statements. Crédit Agricole Corporate and Investment Bank is authorized and regulated by the Autorité de contrôle prudentiel and subject, in the UK, to limited regulation by the Financial Services Authority. The Royal Bank of Scotland plc is authorised and regulated in the UK by the Financial Services Authority. Uni. Credit Bank AG is incorporated in Germany with limited liability and is authorised under German law and supervised by the German Financial Supervisory Authority (Ba. Fin). Uni. Credit Bank AG, London Branch is also regulated by the Financial Services Authority for conduct of investment business in the United Kingdom. Your receipt and use of these materials constitutes notice and acceptance of the foregoing 2 Strictly Private and Confidential

1 2 3 4 5 6 7 8 Executive Summary The Originator – CA Consumer Finance Origination, Underwriting and Servicing Historical Performance Data Programme Structure Portfolio Overview Timeline Contacts Appendices 1 Stratification Tables 2 Transaction Reporting 3 Performance of Ginkgo 2009 3 Strictly Private and Confidential

Section 1 Executive Summary 1 2 Transaction Highlights 3 4 Transaction Overview Key Participants Strictly Private and Confidential

Transaction Overview French sales finance loan receivables Granted to private individuals and financing the acquisition of a vehicle or home equipment Originated by CA Consumer Finance (“CA-CF”) in France Wholly owned subsidiary of Crédit Agricole S. A. Rated AA-/Stable/F 1+ by Fitch and A+/Stable/A-1 by S&P Static portfolio, no revolving period Straightforward structure with a newly established Fonds Commun de Titrisation Conservative financial structure, including : Pure sequential amortisation Credit enhancement provided by subordination of the Class B and Class C Notes, reserve fund and excess spread Non-amortising reserve, funded day one, for both liquidity and credit enhancement purposes Commingling reserve, funded day one Pricing expected on [ • ] / 2011 and settlement on [ • ] / 2011 CRD 122 a compliant transaction, more than 5% of securitised exposure retained by Seller (Class C Notes fully retained) Class Expected Amount** Expected Subordination Expected Ratings (Fitch / Moody's) WAL (years)*** Expected Maturity*** Legal Final A EUR [ • ] [24. 65%] AAA/Aaa [1. 44] [ • ]/ [2014] [ • ]/[2037] B EUR [ • ] [20. 65%] [AA/Aa 1] [3. 42] [ • ]/ [2015] [ • ]/[2037] C* EUR [ • ] - N/A [4. 36] [ • ]/ [2016] [ • ]/[2037] * Class C are not offered to investors, and retained by CA Consumer Finance ** Based on provisional portfolio as of 31/07/2011 *** WAL and Expected Maturity to 10% clean-up call with base case assumptions (no defaults, no delinquencies, 17% CPR) 5 Strictly Private and Confidential

Transaction Highlights EXPERIENCED ORIGINATOR / SERVICER • CA Consumer Finance is the second largest player in the French consumer financing market STRAIGHTFORWARD STRUCTURE • • • No revolving period Pure sequential amortisation of the notes • • • Rated AA-/Stable/F 1+ by Fitch and A+/Stable/A-1 by S&P • Second public securitisation in France out of the Ginkgo template • • Interest rate risk perfectly hedged through a fixed floating swap with CA-CF Performance of previous French transaction in line with expectations • No deposits of the borrowers with CA-CF • Transparent and detailed monthly transaction reporting Wholly-owned subsidiary of Credit Agricole SA Experienced in securitisation, both as originator and servicer Non amortising cash reserve funded at inception Commingling reserve funded day one Two separate waterfalls (interest and principal) including a PDL mechanism trapping excess spread to cover defaults HIGH QUALITY ASSETS • • 6 Static pool No balloon loans Fixed interest rate only Sales finance loans originated in connection with a specific purchase (no personal loans) Private individuals resident in France Only performing loans (no arrears) with at least one paid instalment as at closing Granular portfolio (more than 95, 000 borrowers; top 20 = [0. 26]%) Strictly Private and Confidential

Key Participants • Originator and Seller Crédit Agricole Consumer Finance • Issuer FCT GINKGO Compartment Sales Finance 2011 -1 • Management Company Eurotitrisation • Servicer CA Consumer Finance • Swap Counterparty CA Consumer Finance • Account Bank & Cash Manager CA Consumer Finance • Swap & Account Bank Guarantor Crédit Agricole SA • Arranger Crédit Agricole Corporate and Investment Bank • Lead Managers The Royal Bank of Scotland plc Uni. Credit Bank AG London branch • Legal Counsel Linklaters LLP • Rating Agencies Fitch & Moody’s • Paying Agent CACEIS SA 7 Strictly Private and Confidential

Section 2 The Originator – CA Consumer Finance 1 2 Overview of CA-CF 3 Group Key Figures 4 Group Funding Strategy 5 Products and Distribution Channels 6 Group Strategy 7 8 Key Facts on CA-CF Overview of CA-CF France Strictly Private and Confidential

Key Facts on CA-CF Wholly-owned subsidiary of Credit Agricole : Specialised lender set up in 1951 and acquired by Credit Agricole in 1999 Rated A+/Stable/A-1 by S&P and AA-/Stable/F 1+ by Fitch Leading consumer finance company Regulated as a credit institution by the Bank of France Comprehensive range of financial products (revolving credit, personal loans, sales finance) and associated services to consumers A wide range of distribution channels : Direct to consumer Point of sale finance Partnerships (white label) Crédit Agricole retail bank (mutual network and LCL) Strong international presence : 60% of all originations outside France Operates in 21 countries out of France Established partnerships with leading automotive manufacturers for car financing (buyer and seller sides) in 17 countries FGA CAPITAL (Fiat, Lancia, Alfa-Romeo, Jaguar, Land Rover, Chrysler, Dodge, Jeep), FORSO (Ford, Volvo, Mazda, Jaguar, Land Rover), GAC SOFINCO (GAC Motors, Honda, Toyota) 9 Strictly Private and Confidential

Overview of CA-CF Group 1/2 History CA-CF is a 100% owned subsidiary of Crédit Agricole S. A (“CAsa”). Belongs to Specialised Financial Services Business Line of the Crédit Agricole Group Major historic events : 1951 - Creation of Sofinco 1970 - Creation of Finaref (part of the La Redoute group) 1988 - First subsidiary of Sofinco in Morocco (Wafasalaf) 1993 - Service provider partnership between Sofinco and Crédit Agricole 1999 - Acquisition of Sofinco by CAsa – Creation of Viaxel (car financing) 2003 - Acquisition of Finaref by CAsa 2007 - Creation of FGA Capital: JV between Sofinco (50%) and Fiat Group (50%) 2008 - Acquisition of Ducato and partnership with Banco Popolare in Italy 2008 - Creation of Forso: JV between Sofinco (50%) and Ford Group (50%) 2010 - Creation of Credit Agricole Consumer Finance (CA-CF) – Creation of a subsidiary in China 10 Strictly Private and Confidential

Overview of CA-CF Group 2/2 A Global Player 11 Strictly Private and Confidential

Group Key Figures 1/2 Managed and Consolidated Outstanding Managed Outstanding 80, 000 75, 755 M€ 10, 437 78, 112 M€ 11, 031 50, 647 M€ Other International Units 50, 000 9, 024 Other International Units 18, 099 19, 129 Agos / Ducato 7, 796 8, 109 International Auto Partners 15, 947 15, 786 CA-CF France 2009 2010 8, 806 60, 000 19, 771 20, 508 52, 048 M€ Agos / Ducato Group 40, 000 17, 192 17, 552 International Auto Partners 11, 709 12, 670 10, 000 30, 000 CA-CF French Non Consolidated Partners 30, 000 20, 000 EUR M. 50, 000 20, 000 16, 646 16, 351 2009 2010 CA-CF French own brands 0 0 CA-CF Group managed outstanding have reached 78. 1 Bn€ as of 2010 year end A 3% increase compared to 2009 year end Growth was focused at Agos-Ducato (+4%), Creditplus (+13%), Forso (+25%) and CA-CF France partnerships 12 CA-CF Group consolidated outstanding have reached 52. 0 Bn€ as of 2010 year end despite the exclusion of 2 Business Units (Credigen in Hungary, SSF in Saudi Arabia) Growth was focused at Agos-Ducato (+6%), Creditplus (+13%) and Forso (+33%) Strictly Private and Confidential

Group Key Figures 2/2 New Production by Channel / Product New Production by Channel 35, 454 M€ New Production by Product 34, 628 M€ 2010 35, 000 7, 003 30, 000 5, 073 EUR M 25, 000 7, 162 Banking Partnerships 4, 843 Non Banking Partnerships 1, 416 2, 695 10, 703 7, 847 7, 996 2009 15, 000 1, 234 2, 690 11, 420 20, 000 Credit Brokers Instalment Loans and Leasing 78% 2010 10, 000 5, 000 Revolving 22% Point of Sales – Home Equipment Point of Sales – Auto Direct to Customers (CA-CF branches, web platform, , , ) 0 2009 Revolving 24% Instalment Loans and Leasing 76% The new production has mainly grown in the Direct to Customers Channel (+2%) and in the French Partnerships with CA Regional Banks and LCLLe Crédit Lyonnais (+2%) The Household Equipment Channel has showed a stable new production level (-0. 2%) The Car Financing new production has decreased by 6% due to Greek crisis and to the end of the scrapping measures implemented in some countries The new production is mainly composed by instalment loans and leasing contracts (78%). The share of consumer revolving credit is decreasing 13 Strictly Private and Confidential

Group Funding Strategy CA-CF Group current funding structure (end of 2010) CA-CF Group target funding structure Over the medium term, CA-CF Group is committed to self finance its growth, without cannibalising CAsa own funding sources, in particular thanks to capital markets transactions such as: Securitisation 9% Deposits and MTN 11% securitisations with major business units bonds issuances by Joint Ventures (in particular FGA Capital) External Banking Facilities 17% 14 Increasing the share of market funding through asset-backed securitisation transactions either: Crédit Agricole SA 63% Strictly Private and Confidential Publicly placed or, Privately placed or, Retained (e. g. ECB repo, secured loans)

Products and Distribution Channels The Business Units of CA-CF offer to their customers and partners a wide range of consumer credit products : instalment loans (allocated or not to the purchase of goods or services), revolving credits, leasing and rentals. In connection to the sales of these products, these Business Units offer insurance product and additional services: credit cards (store cards or Visa/ Eurocard), guarantee extension, loyalty programmes, assistance… The Business Units distribute their credits and products through different channels : Short channel: Direct sales through agencies / branches ; web Long channel: Point-of-sales credit offers through car dealers, household equipment stores, brokers. . . Partnership with car makers, big retailer stores, insurance companies and banks For certain partnerships, CA-CF only acts as service provider – e. g. for Regional Banks of Credit Agricole, LCL, Cariparma, Friuladria. . . As a major international player for car financing, CA-CF has entered into partnerships with top car makers such as Fiat (in France for more than 20 years and in Europe since December 2006), Ford (since June 2008) and Guangzhou Automobile group Co Ltd (6 th Chinese car maker, since 2010) 15 Strictly Private and Confidential

Group Strategy How to maintain a Leadership Position in a moving market environment ? Development of targeted customer base : Internet Business: Focus on key partnerships with leading internet merchants Keep on focusing on less risky customer profiles Develop specific products offering through internet & internet mobile Develop products offering adapted to elderly needs Evolution of the legal framework Towards a highly concentrated market : (loi Lagarde) : Fewer major players Impact on revolving credit market Invest to maintain CA-CF leading position Impact on point-of-sale financing Economy of scale through common processes and IT systems between CA-CF Europeans subsidiaries Very limited impact on amortising consumer loans 16 Leverage on integration and synergies with Crédit Agricole Group Strictly Private and Confidential

Overview of CA-CF France 1/2 One of the leaders in the French consumer financing market French Consumer Lending Market Two prominent brands in the French consumer financing market : Sofinco and Finaref French business accounts for 40% of the whole group business (in terms of origination) Market share of 19. 1% as of end 2010. CA-CF is the second largest player in the French consumer financing market An excellent market penetration through its branch network and partnerships with Crédit Agricole group’s regional banks and LCL leading retailers (e. g. La Redoute, Fnac etc. ) car and motorcycle manufacturers (e. g. Fiat, Piaggio) insurance companies * Including Cetelem and La. Ser (50% owned by BNPP PF) Source : CA-CF estimates , ASF and annual reports 17 Strictly Private and Confidential

Overview of CA-CF France 2/2 Managed Outstandings New Production by Channel Profitability French business generates substantial profits, even during the financial downturn Stable and slightly increasing origination levels reflect a good commercial performance Sound financial situation 18 Strictly Private and Confidential

Section 3 Origination, Underwriting and Servicing 1 2 Sales Finance Loans – Characteristics 3 Underwriting Process – 1 st stage 4 Underwriting Process – Checks & Credit Decision 5 Servicing & Collections 6 Pre-litigation & Litigation 7 19 Distribution Channels – Focus on Sales Finance Overindebtedness Strictly Private and Confidential

Distribution Channels – Focus on Sales Finance Auto & Moto (Viaxel brand & Partnerships) Home Equipment Present at the point of sale via major home equipment / home improvement retailers (mainly under the Sofinco brand) Active via Viaxel brand partnerships with manufacturers such as : Present in e-commerce as well : referred to by over 50 websites with dealers such as Apple, Habitat &Jardin, Matériel Point Net, Sud Clavier Honda Moto and Kawazaki in the two-wheel market, and Historical market of Sofinco Mazda, Kia and Honda in the car market, Groupe Brunswick in boating. Broad line of financing and related products to dealers and distributors on the vehicles market Part of sales realized by home sellers Ancillary services to retailers such as dedicated representatives, sales force training, participation to trade fairs, point of sale demos, and supply of IT tools Developed Sofinco Network, a website designed for the management of partners’ credit activity Offer includes various product types and ancillary services such as warranty extensions, credit insurance and assistance Multiple initiatives for vehicle makers and distributors including training tools for salesmen and supplier credit management tools Designed a module of earmarked credits integrated in offers of on-line purchases 20 Strictly Private and Confidential

Sales Finance Loans - Characteristics Product Type of Asset • Home improvement : windows, heating, air conditioner, water treatment, etc. Vehicle Sales Finance Loans • • Loan Amount (EUR) Term (# of monthly instalments) (1) Security Interest Fixed Constant From € 200 to € 75, 000 From 3 to 180 No Automobiles Caravans Recreational Vehicle Sales Finance Loans Amortisation Type Home equipment : Furniture, kitchen and bathroom equipment etc. • Rate Type Home Equipment Sales Finance Loans Two-wheel vehicles Fixed Constant From € 1, 500(2) From 12 to 72(3) Pledge / Title Retention Clause on vehicle(4) Fixed Constant From € 1, 500 From 12 to 180 Title Retention Clause New or used Mobil-homes Boats New or used (1) A grace period may exist between loan disbursement and 1 st monthly instalment, exceptionally up to 12 months (2) May be exceptionally from EUR 200 for vehicle’s equipment (3) May be exceptionally extended to 84 months for private vehicles for selected customers (4) Pledge on vehicle generally not perfected at origination except for luxury vehicles (less than 5 years old vehicles with value in excess of EUR 45, 000; between 6 and 20 years old with value in excess of EUR 30, 000; more than 21 years old with value in excess of EUR 7, 500) 21 Strictly Private and Confidential

Underwriting Process – 1 st stage Client For some point of sale partners, CA-CF developed “CA -CF Network”, a fully integrated credit tool enabling retailers to : simulate financing offers for their customers capture credit applications, Point of Sale obtain immediate answers and print contracts On-line application automatic data transfers. CA-CF multi-channel supporting offices: teams dedicated to the processing of customer requests sent through the different distribution channels Direct input of clients’ data in server OR “CA-CF Network” On-line credit application tool Paper credit application captured in CA-CF system by external BO / CA-CF supporting offices E-commerce website Through the CA Consumer Finance website, clients may receive pre-acceptance on-line Data inputs by CA-CF staff (direct) or at the point of sale are subject to tight verification process Client Data in CA-CF systems Information Checks 22 Strictly Private and Confidential

Underwriting Process – Checks & Credit Decision Input Client Data Supported by automated decision tools Automated checks of external (FICP & FCC) and internal credit databases Scoring system Database Checks (FCC, FICP) Client documents (proofs of identity, residence, income, indebtedness, vehicle’s value against ARGUS, etc. ) thoroughly checked Pass Expert Rules Score is based on wide range of parameters including : applicant’s details (age, income, other loans and leases, profession, employment history, bank history, etc. ); type of loan; T&Cs of the loan; credit history of applicant (internal & external credit database) Scoring 0: Positive recommendation 1: Negative recommendation 2 : Additional analysis required 3: Unusual situation Score cards developed internally and by external agencies (Fair Isaac) depend on segment / product / client profile Client Documents Checks Underwriting decision by duly authorised personnel, according to delegations : at Branch level, credit risk committee, regional level or head office No Refusal or Request additional information Pass Circa 4, 600 requests for loans processed by CA-CF per day (including leasing). Manual Decision Rate of acceptance depends on markets : circa 60% for direct, 80% for auto sales finance, 90% for equipment sales finance Accept 23 Strictly Private and Confidential Exception Reject

Servicing & Collections 1/2 From amicable recovery to judicial proceedings Instalments in arrears 0 -1 1 -5 5 -7 7 -9 From 9 Loan acceleration Customer Service Litigation Amicable recovery Pre-litigation Amicable recovery team CA-CF Collection Department Four teams of professionals : Pre-litigation team 665 staff located in seven sites across France Litigation team 290 staff dedicated to loans under the Sofinco brand Overindebteness team 24 Strictly Private and Confidential

Servicing & Collections 2/2 Focus on Amicable Recovery Accounts with 1 to 5 instalments in arrears Amicable recovery team sub-divided into five specialized teams : 1 to 2 instalments in arrears 2 to 5 instalments in arrears CA-CF Amicable Recovery New files or > 15, 000 EUR Debtors search : no forwarding address/phone Application for over-indebtedness with Banque de France The system detects arrears as soon as a direct debit has been rejected Objective is to allow customer to come back to current by : allowing a maturity extension in order to reduce monthly instalment postponing the payment of one or more monthly payments negotiating a promise to pay Combination of automatically generated letters and personalised calls to the customer by a collection agent 25 Strictly Private and Confidential

Pre-litigation & Litigation Pre-litigation: Accounts with more than 5 instalments in arrears Objective is to defend the company’s interest and limit final losses Depending on the situation : appointment of a collection agent or a bailiff France coverage : network of 22 bailiffs and 20 external collection agents, working in close cooperation with CA-CF Contacts & meetings : – inquire about the situation of the debtors in order to find a solution to remedy the situation. – explain the judicial procedure that might be proceeded with should the amicable phase fail Litigation : Accounts generally transferred to litigation department to start legal proceedings when 7 instalments in arrears Loan acceleration (déchéance du terme) Enforcement relying on a network of around 600 bailiffs and 12 solicitors Court order giving the right to seize and sell the debtors assets Repossessed vehicles generally sold via public auctions In parallel, attempts to reach an amicable settlement plan are still continued Write-off only when no amicable settlement have been reached and all available legal remedies have been exhausted 26 Strictly Private and Confidential

Overindebtedness Debtors that have filed with the Over-indebtedness Commission of Banque de France are managed by a dedicated platform at CA-CF (40 specialists) During the conciliation phase, the debtor and creditors attempt to reach an agreement which may include : rescheduling part or whole of the debts, such rescheduling not exceeding 8 years moratorium with a limit of 24 months reduction in the interest rate and if necessary of the principal balance If the conciliation phase fails, the Commission may impose the terms of the restructuring to all parties Where the debtor situation is deemed irremediably compromised, personal re-establishment procedure (Borloo Law) : judicial liquidation of the debtor's assets 12 months disposal period proceeds distributed to creditors in accordance with their ranking Personal re-establishments are registered in a public register for 5 years 27 Strictly Private and Confidential

Section 4 Historical Performance Data 1 2 Static Analysis of Gross Loss Rates 3 Breakdown of the Outstanding Balance by Arrears Bucket 4 Recoveries 5 28 Introduction Prepayment Rates Strictly Private and Confidential

Introduction This section is based on historical performance data that refers to a portion of CA-CF overall business having same characteristics as the receivables comprised in the portfolio to be securitised The analysed data includes Sales Finance Loans originated by CA-CF and granted to individual French residents for the purchase of : new cars, used cars and two-wheels, recreational vehicles, home equipment 29 Strictly Private and Confidential

Static Analysis of Gross Loss Rates 1/5 OVERALL DEFAULTS The cumulative gross loss rate in respect of a quarter since origination is calculated as the ratio of: (i) cumulative gross default amount recorded between the quarter of origination and the relevant quarter since origination, and (ii) the aggregate amount of loans granted during the relevant quarter of origination 30 Strictly Private and Confidential

Static Analysis of Gross Loss Rates 2/5 RECREATIONAL VEHICLE SALES FINANCE LOANS The cumulative gross loss rate in respect of a quarter since origination is calculated as the ratio of: (i) cumulative gross default amount recorded between the quarter of origination and the relevant quarter since origination, and (ii) the aggregate amount of loans granted during the relevant quarter of origination 31 Strictly Private and Confidential

Static Analysis of Gross Loss Rates 3/5 HOME EQUIPMENT SALES FINANCE LOANS The cumulative gross loss rate in respect of a quarter since origination is calculated as the ratio of: (i) cumulative gross default amount recorded between the quarter of origination and the relevant quarter since origination, and (ii) the aggregate amount of loans granted during the relevant quarter of origination 32 Strictly Private and Confidential

Static Analysis of Gross Loss Rates 4/5 NEW CAR SALES FINANCE LOANS The cumulative gross loss rate in respect of a quarter since origination is calculated as the ratio of: (i) cumulative gross default amount recorded between the quarter of origination and the relevant quarter since origination, and (ii) the aggregate amount of loans granted during the relevant quarter of origination 33 Strictly Private and Confidential

Static Analysis of Gross Loss Rates 5/5 USED CAR SALES FINANCE LOANS (including 2 -wheels) The cumulative gross loss rate in respect of a quarter since origination is calculated as the ratio of: (i) cumulative gross default amount recorded between the quarter of origination and the relevant quarter since origination, and (ii) the aggregate amount of loans granted during the relevant quarter of origination 34 Strictly Private and Confidential

Breakdown of the Outstanding Balance by Arrears Bucket 1/4 RECREATIONAL VEHICLE SALES FINANCE LOANS For a given month, the outstanding balance of non defaulted receivables with an amount in arrears corresponding to 1 instalment up to 6 instalments or more expressed as a percentage of the aggregate outstanding balance of all Recreational Sales Finance Loans (excluding defaulted loans) 35 Strictly Private and Confidential

Breakdown of the Outstanding Balance by Arrears Bucket 2/4 HOME EQUIPMENT SALES FINANCE LOANS For a given month, the outstanding balance of non defaulted receivables with an amount in arrears corresponding to 1 instalment up to 6 instalments or more expressed as a percentage of the aggregate outstanding balance of all Home Equipment Sales Finance Loans (excluding defaulted loans) 36 Strictly Private and Confidential

Breakdown of the Outstanding Balance by Arrears Bucket 3/4 NEW CAR SALES FINANCE LOANS For a given month, the outstanding balance of non defaulted receivables with an amount in arrears corresponding to 1 instalment up to 6 instalments or more expressed as a percentage of the aggregate outstanding balance of all New Car Sales Finance Loans (excluding defaulted loans) 37 Strictly Private and Confidential

Breakdown of the Outstanding Balance by Arrears Bucket 4/4 USED CAR SALES FINANCE LOANS (including 2 -wheels) For a given month, the outstanding balance of non defaulted receivables with an amount in arrears corresponding to 1 instalment up to 6 instalments or more expressed as a percentage of the aggregate outstanding balance of all Used Car Sales Finance Loans (excluding defaulted loans) 38 Strictly Private and Confidential

Recoveries OVERALL RECOVERIES The cumulative overall recovery rate in respect of a quarter since default is calculated as the ratio of: (i) cumulative recovery amount recorded between the quarter of default and the relevant quarter since default (excluding any recovery on written-off receivables), and (ii) the aggregate gross amount of loans defaulted during the relevant quarter of default 39 Strictly Private and Confidential

Prepayment Rates 1/2 HOME EQUIPMENT SALES FINANCE LOANS For a given month, the Prepayment Rate is calculated as the ratio of : (i) the outstanding balance of all Home Equipment Sales Finance Loans prepaid during this month multiplied by 12 to (ii) the outstanding balance of all Home Equipment Sales Finance Loans at the beginning of that month. 40 Strictly Private and Confidential

Prepayment Rates 2/2 ALL TYPES OF VEHICLES SALES FINANCE LOANS (including recreational vehicles) For a given month, the Prepayment Rate is calculated as the ratio of : (i) the outstanding balance of all types of Vehicles Sales Finance Loans prepaid during this month multiplied by 12 to (ii) the outstanding balance of all types of Vehicles Sales Finance Loans at the beginning of that month. 41 Strictly Private and Confidential

Section 5 Programme Structure 1 Overview of the Structure 2 Transaction Diagram 3 Credit Structure 4 Terms of the Class A Notes and Class B Notes 5 Initial Credit Enhancement 6 The Periods 7 Amortisation Mechanics 8 Waterfalls – Interests / Principal / Accelerated 9 Expected Amortisation Profile of the Notes and WAL 10 Risk Mitigants 42 Strictly Private and Confidential

Overview of the Structure FCT Ginkgo will fund the purchase price of the Receivables through the issuance of three classes of Notes Credit enhancement will be provided through subordination of lower ranking classes of Notes, a cash reserve and the excess spread A cash reserve will be established for an amount equal to EUR [ • ] M and will remain constant over time (i. e. [1. 5]% of the initial pool balance) A commingling reserve fully funded at closing and maintained for an amount equal to [1. 5] month of collections under the loan receivables Static transaction: no additional receivables will be transferred to the SPV during the life of the deal FCT Ginkgo will enter into swap transactions with the Swap Counterparty to hedge the interest rate risk deriving from the mismatches between fixed rate assets and floating rate liabilities 43 Strictly Private and Confidential

Transaction Diagram Swap & Account Bank Interest Rate Swap Guarantee Class A Senior Notes AAA/ Aaa AAA/Aaa Purchase Price Originator Sale of Receivables FCT GINKGO Compartment Sales Finance 2011 -1 -1 Sales Finance 2011 Issuance Proceeds Notes Collections Servicer Class B Mezzanine Notes [AA - /Aa 2] [AA/Aa 1] Class C NR Collections Individual Borrowers 44 Custodian, Account Bank, Cash Manager Management Company Strictly Private and Confidential

Credit Structure ASSETS LIABILITIES Credit protection provided through : Receivables 100% ü ü ü Class A AAA/Aaa rated [75. 35]% Class A Notes subordination : [24. 65%] Class B Notes subordination : [20. 65%] Class A Reserve Fund (non amortising) : [1. 40%] at closing Class B Reserve Fund (non amortising) : [0. 10%] at closing Excess spread of [ • ]% at closing Structural Features : ü Sequential pass-through redemption ü EUR [ • ] M Cash Reserve funded at closing, not amortising to cover notes interest and senior expenses shortfall and ultimate principal on the notes Class B [AA/Aa 1] rated [4. 00]% Class C Not Rated [20. 65]% [24. 65]% ü ü Commingling reserve mitigating commingling risk Principal Deficiency mechanism to cover defaults Excess Spread 10% Clean-Up Call Class A Reserve Fund [1. 40]% Class B Reserve Fund [0. 10]% 45 Strictly Private and Confidential

Terms of the Class A Notes and Class B Notes Class A Notes Class B Notes • Initial Outstanding Amount EUR [ • ] M • Expected rating (Fitch/Moody’s) AAA/Aaa [AA/Aa 1] Senior Mezzanine [ • ] / 2037 Monthly pass-through, sequential Bearer dematerialised form EUR 100, 000 Euronext, Paris Euroclear / Clearstream [1. 44] [3. 42] • Expected Amortisation Starting Date [ • ] • Credit Enhancement: – Subordination . . [24. 65%] [20. 65%] [ • ] [1. 50%] 1 m Euribor + [ • ] • Ranking • First Coupon Date • Legal Final Maturity • Repayment • Form • Denomination • Listing • Clearing System • Expected WAL (years) – Excess Spread – Reserve Account (non amortising)* • Interest * Cash Reserve covering notes interest and senior expenses released at Legal Final Maturity to amortize any outstanding notes 46 Strictly Private and Confidential

Initial Credit Enhancement Subordination Class B Notes subordinated to Class A Notes Class C Notes subordinated to Class B Notes Cash Reserves: Eur [ • ] M, funded at closing by CA-CF Class A Reserve Fund : 1. 40% of the initial pool balance Class B Reserve Fund : 0. 10% of the initial pool balance Provides liquidity support ensuring timely payment of senior expenses and interest on Class A and Class B Notes Will ultimately be available for principal repayment at either the final maturity date or upon occurrence of an Accelerated Amortisation Event Excess Spread: The excess spread will be equal to [ • ]% at closing Deriving from the excess of the portfolio interest rate over senior interest and coupon Class A Notes Credit Enhancement at closing [ • ]% 47 Class B Notes Credit Enhancement at closing [ • ]% Strictly Private and Confidential

The Periods Normal Redemption Period : Two separate waterfalls (principal & interest) where amounts constituting the issuer available funds will be allocated on a monthly basis Accelerated Redemption Period : One single waterfall where all amounts standing on the compartment accounts will be allocated The Principal Deficiency Ledger mechanism will allow for excess spread trapping to cover the defaults or any principal used to cover any shortfall on the compartment expenses or interests : With respect to the Class A sub-ledger : up to the Class A Principal Amount Outstanding With respect to the Class B sub-ledger: up to the sum of the Class B and Class C Principal Amount Outstanding 48 Strictly Private and Confidential

Amortisation Mechanics Sequential amortisation: Class B Notes will start to be redeemed only upon full repayment of Class A Notes Class C Notes will start to be redeemed only upon full repayment of Class A Notes and Class B Notes In case of Accelerated Amortisation Event, the accelerated priority of payments, having the following features, shall be applicable : Full cash trapping for the benefit of the Notes Full sequential allocation of payments both in terms of interest and principal i. e. Class B interest subordinated to Class A principal Amounts standing to credit of the Reserve Account immediately flowing into the Issuer Available Funds Accelerated Amortisation Event Class A Interest Amount remains unpaid for 3 Business Days 49 Strictly Private and Confidential

Waterfall – Interests Priority of Payments Use of Proceeds Available Interest Amount 1. Compartment Expenses 2. Swap counterparty Interest collections and recoveries received during the immediately preceding Collection Period All amounts received from the Swap Counterparty Proceeds generated by the investment of the compartment cash Any amount debited from : - Class A Reserve Ledger, if need be to cover item 1, 2, 3. - Class B Reserve Ledger, if need be to cover item 1, 2, 3 and 6. Any amounts debited on the Principal Account pursuant to item (1) of the Principal Priority of Payments. 3. Class A Notes interests 4. Replenishment of Class A Reserve Ledger up to the Class A Reserve Required Amount 5. Credit to the Class A Principal Deficiency Ledger 6. Class B Notes interests 7. Replenishment of Class B Reserve Ledger up to Class B Reserve Required Amount 8. Credit to the Class B Principal Deficiency Ledger 9. Note Principal Payment on Class B Notes 10. Subordinated Swap Payments 11. Class C Notes interests 50 Strictly Private and Confidential

Waterfall – Principal Priority of Payments Use of Proceeds Available Principal Amount All principal collections received during the immediately preceding Collection Period 1. Item (1) to (4) of the Interest Priority of Payments in case of shortfall 2. Class A Notes principal Any amount credited to the Principal Deficiency Ledger by debit of the Interest Account Remaining credit balance of the Principal Account on the preceding Payment Date 51 3. Class B Notes principal 4. Class C Notes principal Strictly Private and Confidential

Waterfall - Accelerated Priority of Payments Use of Proceeds 1. Compartment Expenses Available Funds All amounts standing to the credit of the General Collection, Principal and Interest Accounts of the compartment All amounts standing to the credit of the Reserve Account of the compartment 2. Swap counterparty 3. Class A Notes interests 4. Class A Notes principal in full 5. Class B Notes interests 6. Class B Notes principal in full 7. Subordinated Swap Payments 8. Class C Notes interests 9. Class C Notes principal in full 52 Strictly Private and Confidential

Expected Amortisation Profile of the Notes and WAL 1/2 EXPECTED AMORTISATION PROFILE (based on Provisional Portfolio as of 31/07/2011) (i) Expected amortisation profile of the offered notes based on 17% CPR, clean-up at 10%, no delinquency and no default (ii) Expected Credit Enhancement based on Notes subordination and 1. 5% non- amortising cash reserve, excluding excess spread 53 Strictly Private and Confidential

Expected Amortisation Profile of the Notes and WAL 2/2 EXPECTED WAL (based on Provisional Portfolio as of 31/07/2011) Expected WAL of the Notes calculated based on the relevant CPR assumptions indicated in the table below Assumptions: No Event of Default occurs in respect to the Notes Repayment of principal under the Rated Notes occurs from the Payment Date falling in [October] 2011 Exercise of 10% clean-up call EURIBOR is constant during the life of the transaction and is equal to 0. 617% Instalments will not be reduced and the term of the Loans are not extended No Defaulted Receivables or Delinquent Receivables Any CPR is allocated to higher yielding Purchased Receivables first No margin compression September closing Class A Notes Class B Notes CPR (constant) WAL (years) First Principal Redemption Last Principal Redemption 0% 2. 29 oct-11 feb-16 4. 90 feb-16 jan-17 10% 1. 74 oct-11 jun-15 3. 86 jun-15 sep-15 15% 1. 52 oct-11 feb-15 3. 54 feb-15 may-15 17% 1. 44 oct-11 dec-14 3. 42 dec-14 apr-15 20% 1. 34 oct-11 oct-14 3. 22 oct-14 jan-15 25% 1. 18 oct-11 jun-14 2. 92 jun-14 oct-14 30% 1. 05 oct-11 mar-14 2. 63 mar-14 jun-14 54 Strictly Private and Confidential

Risk Mitigants • • • At closing, FCT Ginkgo will enter into an interest rate swap transactions with CA-CF Commingling Risk • Commingling reserve in place from inception Liquidity Risk • Cash reserve in place from inception Set-off Risk • No deposits of the borrowers with CA-CF Residual Value Risk • No residual value risk in the transaction Interest Rate Risk 55 Notional amount is equal to then outstanding principal balance of the receivables Standard downgrading language for Swap Counterparty replacement Strictly Private and Confidential

Section 6 Portfolio Overview 1 2 Provisional Portfolio as of 31/07/2011– Key Characteristics 3 56 Main Eligibility Criteria Provisional Portfolio as of 31/07/2011 - Description Strictly Private and Confidential

Main Eligibility Criteria • • Denominated and payable in Euro • Private individuals domiciled in metropolitan France at the time of the loan origination • Originated in accordance with applicable lending criteria and the seller’s usual procedures • Legal, valid and binding contractual obligations • Sales finance loans (for new or used vehicles, recreational vehicles or home equipment) • No employee of CA-CF • At least one instalment has been paid • Not in arrears • Not defaulted and not subject to any judicial recovery procedure • Outstanding balance between EUR 500 and EUR 100, 000 • 57 Governed by French Law Remaining term of no less than 3 months and no more than 180 months Strictly Private and Confidential

Provisional Portfolio as of 31/07/2011 - Key Characteristics Amount Range EUR [843, 577, 124] - • • Number of Contracts [99, 566] - • Number of Borrowers [97, 006] - • Top / Top 5 / Top 10 / Top 20 Borrowers [0. 02% / 0. 08% / 0. 14% / 0. 26%] - • Average Outstanding EUR [8, 472] [EUR 500 ; EUR 100, 000] • Average Borrower Outstanding EUR [8, 696] [EUR 500 ; EUR 153, 231] • WA Interest Rate [6. 91%] [1. 89% ; 14. 90%] • WA Seasoning (months) [9. 9] [1 ; 129] • WA Remaining Term (months) [75. 4] [2 ; 179] • 58 Outstanding Balance (EUR) WA Original Term (months) [85. 0 ] [4 ; 192] Strictly Private and Confidential

Provisional Portfolio as of 31/07/2011 - Description 1/6 DISTRIBUTION BY LOAN FEATURES Amortising vs. Balloon Loans Private Individual vs. Corporate Obligors (% Outstanding) Distribution by Eligible Loans (% Outstanding) Strictly amortising loans, no balloons Strictly private individual obligors, no corporate obligors Balanced portfolio between the four eligible loan categories 59 Strictly Private and Confidential

Provisional Portfolio as of 31/07/2011 - Description 2/6 DISTRIBUTION BY TYPE OF FINANCED ASSET Breakdown of Home Equipment Breakdown of Vehicles (% Outstanding) Furniture 5. 7% Misc. 2. 0% Heating / Air con. 17. 3% Home Energy / Recycling Equipement 28. 4% Home Improvement / Renovation 3. 0% Household Appliances 21. 2% Windows / Verandas / Swimming Pools 22. 5% Breakdown of Recreational Vehicles Home Equipment Loans used to finance a wide and balanced range of equipment (% Outstanding) Non Recreational Vehicle Loans distributed between cars, two-wheels and marginally light commercial vehicles Recreational Vehicle Loans mostly used for camping-car financing 60 Strictly Private and Confidential

Provisional Portfolio as of 31/07/2011 - Description 3/6 DISTRIBUTION BY CHARACTERISTICS Distribution by Seasoning Distribution by Remaining Terms Home Equipment New Cars 61 Recreational Vehicles Used Cars + Two-Wheels Strictly Private and Confidential Portfolio Distribution by Nominal Interest Rate

Provisional Portfolio as of 31/07/2011 - Description 4/6 Distribution by Outstanding Balance (% Outstanding) Distribution by Seasoning Distribution by Remaining Term (% Outstanding, Months) 62 Distribution by Interest Rate (% Outstanding) (% Outstanding, Months) Strictly Private and Confidential

Provisional Portfolio as of 31/07/2011 - Description 5/6 Distribution by Original Balance Distribution by Original Term to Maturity (% Current Outstanding) Distribution by Year of Origination (% Current Outstanding) 63 Strictly Private and Confidential

Provisional Portfolio as of 31/07/2011 - Description 6/6 GEOGRAPHIC CONCENTRATION Region of Residence 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 64 % Outstanding Ile de France Rhône Alpes Provence Alpes Cote d’Azur Nord Pas de Calais Aquitaine Lorraine Languedoc Roussillon Picardie Midi Pyrénées Pays de la Loire Bourgogne Bretagne Centre Alsace Haute Normandie Champagne-Ardenne Poitou Charente Franche-Comté Basse Normandie Auvergne Limousin Corse 14, 4% 10, 2% 9, 0% 6, 7% 4, 2% 4, 1% 3, 8% 3, 7% 3, 5% 3, 2% 3, 1% 2, 8% 2, 7% 2, 4% 1, 1% 0, 7% 0, 5% 4 8 15 19 1 6 16 14 12 10 13 18 11 17 21 20 2 5 9 7 3 22 Strictly Private and Confidential

Section 7 Timeline 65 Strictly Private and Confidential

Timeline Announcement Preliminary Offering Circular and Rating Agency Presale Reports Available [ • ] Roadshow [ • ] Price Guidance / Books Open [ • ] Settlement & Closing 66 [ • ] Strictly Private and Confidential

Section 8 Contacts 67 Strictly Private and Confidential

Contacts Your Contact Persons Claude Grandfils Chief Financial Officer +33 1 60 76 39 94 cgrandfils@ca-cf. fr Jean-François Gelb Head of ALM and Treasury +33 1 60 76 35 83 jfgelb@ca-cf. fr David Drapeau Head of International Financial Activities (Financial Division) +33 1 60 76 51 16 ddrapeau@ca-cf. fr Marco Bosso International Financial Activities (Financial Division) +33 1 60 76 54 73 mabosso@ca-cf. fr Alexandre Vigier Head of FI Securitisation +33 1 41 89 67 59 alexandre. vigier@ca-cib. com Jérôme Bire FI Securitisation +33 1 57 87 14 96 jerome. bire@ca-cib. com Emilien Chiappore FI Securitisation +33 1 41 89 87 58 emilien. chiappore@ca-cib. com Bruce Cairnduff Syndicate +44 207 214 6417 bruce. cairnduff@ca-cib. com Markus Reule Head of FI Structured Finance, Northern Europe +44 207 085 8078 markus. reule@rbs. com Tim Clay FI Structured Finance +44 207 085 0509 tim. clay@rbs. com Damon Mahon ABS Syndicate +44 207 085 7346 damon. mahon@rbs. com Akinade Dada Securitised Products +44 207 826 1319 akinade. dada@unicredit. eu Biagio Cottone Securitised Products +44 207 826 1304 biagio. cottone@unicredit. eu Ralf Brech ABS Syndicate +49 893 781 5890 ralf. brech@unicreditgroup. de 68 Strictly Private and Confidential

APPENDICES 1 2 Transaction Reporting (Indicative Excerpt) 3 69 Stratification Tables (Provisional Portfolio as of 31/07/2011) FCT Ginkgo Consumer Finance Compartment 2009 -1 Performance Strictly Private and Confidential

Stratification Tables (Provisional Portfolio as of 31/07/2011) Table 1. Key characteristics of the portfolio Original Principal Balance (EUR) 963, 634, 822 Number of Loans 99, 566 Outstanding Principal Balance (EUR) 843, 577, 124 Weighted average Interest Rate 6. 91 Weighted average seasoning (months) 9. 86 Weighted average remaining term to maturity (months) 75. 40 Average Outstanding Principal Balance (Loans) (EUR) 8, 473 Table 2. Breakdown of the Portfolio by Eligible Product Category Type of Loan Agreements Recreational Vehicles Sales Finance Loan Agreements New Vehicles Sales Finance Loan Agreements Used Vehicles Sales Finance Loan Agreements TOTAL Number of Loans 34, 718 5, 797 28, 802 30 249 99 566 Number of Loans % 34. 9% 5. 8% 28. 9% 30, 4% 100% Original Principal Balance (EUR) 195, 477, 949 176, 079, 014 293, 742, 171 298 335 688 963 634 822 Original Principal Balance (%) 20. 3% 18. 3% 30. 5% 31, 0% 100% Outstanding Principal Balance (EUR) 182, 523, 832 158, 202, 102 243, 883, 329 258 967 860 843 577 124 Outstanding Principal Balance (%) 21. 6% 18. 8% 28. 9% 30, 7% 100% WA Interest Rate (%) 7. 76 6. 25 6. 69 6, 92 6, 91 WA Seasoning (Months) 9. 97 12. 10 9. 82 8, 44 9, 86 WA Remaining Terms (Months) 70 Equipment sales Loan Agreements 107. 92 116. 80 50. 19 50, 92 75, 40 Strictly Private and Confidential

Stratification Tables Table 3. Breakdown by Original Principal Balance (EUR) Number of Loans % Outstanding Principal Balance (EUR) Outstanding Principal Balance (%) ] 0 ; 2, 000 ] 11. 89% 13, 553, 932 1. 61% 19, 680 19. 77% 50, 040, 604 5. 93% ] 4, 000 ; 6, 000 ] 15, 589 15. 66% 65, 946, 660 7. 82% ] 6, 000 ; 8, 000 ] 10, 292 10. 34% 62, 166, 826 7. 37% ] 80, 00 ; 10, 000 ] 9, 730 9. 77% 78, 256, 091 9. 28% ] 10, 000 ; 12, 000 ] 6, 611 6. 64% 64, 335, 395 7. 63% ] 12, 000 ; 14, 000 ] 4, 987 5. 01% 57, 673, 718 6. 84% ] 14, 000 ; 16, 000 ] 4, 558 4. 58% 60, 379, 845 7. 16% ] 16, 000 ; 18, 000 ] 2, 980 2. 99% 45, 403, 980 5. 38% ] 18, 000 ; 20, 000 ] 2, 720 2. 73% 46, 695, 339 5. 54% ] 20, 000 ; 22, 000 ] 2, 059 2. 07% 39, 191, 078 4. 65% ] 22, 000 ; 24, 000 ] 1, 556 1. 56% 32, 800, 964 3. 89% ] 24, 000 ; 26, 000 ] 1, 520 1. 53% 34, 474, 449 4. 09% ] 26, 000 ; 28, 000 ] 1, 017 1. 02% 25, 240, 945 2. 99% ] 28, 000 ; 30, 000 ] 791 0. 79% 20, 599, 416 2. 44% ] 30, 000 ; 35, 000 ] 952 0. 96% 27, 731, 546 3. 29% ] 35, 000 ; 40, 000 ] 731 0. 73% 24, 429, 997 2. 90% ] 40, 000 ; 45, 000 ] 475 0. 48% 17, 674, 277 2. 10% ] 45, 000 ; 50, 000 ] 522 0. 52% 22, 391, 683 2. 65% ] 50, 000 ; 55, 000 ] 325 0. 33% 15, 665, 408 1. 86% ] 55, 000 ; 60, 000 ] 254 0. 26% 13, 558, 784 1. 61% ] 60, 000 ; 65, 000 ] 113 0. 11% 6, 330, 338 0. 75% ] 65, 000 ; 70, 000 ] 86 0. 09% 5, 243, 851 0. 62% ] 70, 000 ; 75, 000 ] 55 0. 06% 3, 700, 674 0. 44% ] 75, 000 ; 80, 000 ] 42 0. 04% 2, 988, 878 0. 35% ] 80, 000 ; 85, 000 ] 25 0. 03% 1, 925, 548 0. 23% ] 85, 000 ; 90, 000 ] 17 0. 02% 1, 301, 414 0. 15% ] 90, 000 ; 95, 000 ] 12 0. 01% 1, 069, 529 0. 13% ] 95, 000 ; 100, 000 15 0. 02% 1, 322, 708 0. 16% > 100, 000 18 0. 02% 1, 483, 249 0. 18% total 71 11, 834 ] 2, 000 ; 4, 000 ] 99, 566 100. 00% 843, 577, 124 100. 00% Strictly Private and Confidential

Stratification Tables Table 4. Breakdown by Outstanding Principal Balance (EUR) Number of Loans % Outstanding Principal Balance (EUR) Outstanding Principal Balance (%) ] 0 ; 2000 ] 18, 566 18. 65% 22, 808, 849 2. 70% ] 2000 ; 4000 ] 20, 590 20. 68% 60, 553, 665 7. 18% ] 4000 ; 6000 ] 14, 365 14. 43% 70, 929, 692 8. 41% ] 6000 ; 8000 ] 9, 530 9. 57% 66, 927, 385 7. 93% ] 8000 ; 10000 ] 8, 705 8. 74% 79, 222, 256 9. 39% ] 10000 ; 12000 ] 5, 826 5. 85% 64, 097, 858 7. 60% ] 12000 ; 14000 ] 4, 473 4. 49% 58, 248, 819 6. 90% ] 14000 ; 16000 ] 3, 702 3. 72% 55, 582, 813 6. 59% ] 16000 ; 18000 ] 2, 550 2. 56% 43, 476, 652 5. 15% ] 18000 ; 20000 ] 2, 320 2. 33% 44, 395, 570 5. 26% ] 20000 ; 22000 ] 1, 779 1. 79% 37, 539, 341 4. 45% ] 22000 ; 24000 ] 1, 394 1. 40% 32, 234, 064 3. 82% ] 24000 ; 26000 ] 1, 260 1. 27% 31, 571, 091 3. 74% ] 26000 ; 28000 ] 859 0. 86% 23, 255, 333 2. 76% ] 28000 ; 30000 ] 629 0. 63% 18, 386, 239 2. 18% ] 30000 ; 35000 ] 807 0. 81% 26, 273, 473 3. 11% ] 35000 ; 40000 ] 618 0. 62% 23, 340, 589 2. 77% ] 40000 ; 45000 ] 398 0. 40% 16, 996, 371 2. 01% ] 45000 ; 50000 ] 425 0. 43% 20, 290, 390 2. 41% ] 50000 ; 55000 ] 273 0. 27% 14, 355, 856 1. 70% ] 55000 ; 60000 ] 191 0. 19% 11, 028, 937 1. 31% ] 60000 ; 65000 ] 101 0. 10% 6, 313, 699 0. 75% ] 65000 ; 70000 ] 66 0. 07% 4, 443, 458 0. 53% ] 70000 ; 75000 ] 42 0. 04% 3, 045, 497 0. 36% ] 75000 ; 80000 ] 37 0. 04% 2, 883, 328 0. 34% ] 80000 ; 85000 ] 20 0. 02% 1, 645, 417 0. 20% ] 85000 ; 90000 ] 9 0. 01% 786, 375 0. 09% ] 90000 ; 95000 ] 0. 02% 1, 669, 326 0. 20% 13 0. 01% 1, 274, 781 0. 15% total 72 18 ] 95000 ; 100000 ] 99, 566 100. 00% 843, 577, 124 100. 00% Strictly Private and Confidential

Stratification Tables Table 5. Breakdown by Original Term to Maturity Original Term to maturity (Months) Number of Loans % Outstanding Principal Balance (EUR) Outstanding Principal Balance (%) ]0; 6[ 91 0. 09% 106, 056 0. 01% [ 6 ; 12 [ 1, 543 1. 55% 1, 753, 297 0. 21% [ 12 ; 18 [ 2, 347 2. 36% 3, 346, 503 0. 40% [ 18 ; 24 [ 2, 903 2. 92% 5, 222, 331 0. 62% [ 24 ; 30 [ 5, 482 5. 51% 16, 122, 112 1. 91% [ 30 ; 36 [ 2, 571 2. 58% 6, 946, 057 0. 82% [ 36 ; 42 [ 10, 656 10. 70% 49, 015, 836 5. 81% [ 42 ; 48 [ 2, 409 2. 42% 7, 944, 564 0. 94% [ 48 ; 54 [ 12, 502 12. 56% 81, 128, 144 9. 62% [ 54 ; 60 [ 1, 948 1. 96% 9, 137, 233 1. 08% [ 60 ; 66 [ 24, 246 24. 35% 219, 017, 051 25. 96% [ 66 ; 72 [ 997 1. 00% 7, 334, 936 0. 87% [ 72 ; 78 [ 12, 234 12. 29% 159, 679, 061 18. 93% [ 78 ; 84 [ 1, 429 1. 44% 6, 479, 707 0. 77% [ 84 ; 90 [ 2, 018 2. 03% 16, 710, 128 1. 98% [ 90 ; 96 [ 310 0. 31% 2, 269, 782 0. 27% [ 96 ; 102 [ 0. 86% 10, 198, 105 1. 21% 182 0. 18% 1, 612, 587 0. 19% [ 108 ; 114 [ 421 0. 42% 4, 904, 606 0. 58% [ 114 ; 120 [ 1, 213 1. 22% 6, 515, 643 0. 77% [ 120 ; 126 [ 3, 736 3. 75% 35, 143, 679 4. 17% [ 126 ; 132 [ 619 0. 62% 6, 421, 342 0. 76% [ 132 ; 138 [ 183 0. 18% 2, 687, 582 0. 32% [ 138 ; 144 [ 89 0. 09% 1, 656, 450 0. 20% [ 144 ; 150 [ 3, 283 3. 30% 108, 486, 176 12. 86% [ 150 ; 156 [ 739 0. 74% 8, 796, 734 1. 04% [ 156 ; 162 [ 2, 813 2. 83% 27, 621, 501 3. 27% [ 162 ; 168 [ 150 0. 15% 3, 131, 110 0. 37% [ 168 ; 174 [ 28 0. 03% 656, 764 0. 08% [ 174 ; 180 [ 101 0. 10% 2, 210, 654 0. 26% >= 180 1, 469 1. 48% 31, 321, 396 3. 71% total 73 854 [ 102 ; 108 [ 99, 566 100. 00% 843, 577, 124 100. 00% Strictly Private and Confidential

Stratification Tables Table 6. Breakdown by Remaining Term to Maturity Remaining Term to maturity (Months) Number of Loans % Outstanding Principal Balance (EUR) Outstanding Principal Balance (%) ]0; 6[ 2, 183 2. 19% 2, 318, 990 0. 27% [ 6 ; 12 [ 5, 449 5. 47% 8, 340, 117 0. 99% [ 12 ; 18 [ 5, 832 5. 86% 13, 327, 106 1. 58% [ 18 ; 24 [ 6, 549 6. 58% 21, 689, 644 2. 57% [ 24 ; 30 [ 5, 983 6. 01% 24, 830, 855 2. 94% [ 30 ; 36 [ 7, 781 7. 81% 42, 998, 255 5. 10% [ 36 ; 42 [ 6, 088 6. 11% 38, 093, 822 4. 52% [ 42 ; 48 [ 9, 161 9. 20% 71, 044, 224 8. 42% [ 48 ; 54 [ 8, 869 8. 91% 82, 273, 572 9. 75% [ 54 ; 60 [ 12, 355 12. 41% 128, 316, 353 15. 21% [ 60 ; 66 [ 4, 505 4. 52% 58, 437, 746 6. 93% [ 66 ; 72 [ 6, 042 6. 07% 83, 014, 028 9. 84% [ 72 ; 78 [ 1, 538 1. 54% 10, 275, 157 1. 22% [ 78 ; 84 [ 1, 881 1. 89% 15, 101, 737 1. 79% [ 84 ; 90 [ 444 0. 45% 5, 466, 293 0. 65% [ 90 ; 96 [ 701 0. 70% 9, 142, 360 1. 08% [ 96 ; 102 [ 254 0. 26% 3, 126, 732 0. 37% [ 102 ; 108 [ 499 0. 50% 7, 258, 119 0. 86% [ 108 ; 114 [ 2, 152 2. 16% 15, 814, 949 1. 87% [ 114 ; 120 [ 3, 000 3. 01% 27, 721, 343 3. 29% [ 120 ; 126 [ 211 0. 21% 5, 512, 875 0. 65% [ 126 ; 132 [ 656 0. 66% 22, 931, 023 2. 72% [ 132 ; 138 [ 834 0. 84% 27, 006, 912 3. 20% [ 138 ; 144 [ 1, 651 1. 66% 51, 974, 380 6. 16% [ 144 ; 150 [ 1, 261 1. 27% 12, 101, 140 1. 43% [ 150 ; 156 [ 2, 091 2. 10% 21, 308, 503 2. 53% [ 156 ; 162 [ 20 0. 02% 421, 399 0. 05% [ 162 ; 168 [ 80 0. 08% 1, 951, 026 0. 23% [ 168 ; 174 [ 584 0. 59% 12, 228, 465 1. 45% [ 174 ; 180 [ 74 912 0. 92% 19, 549, 997 2. 32% total 99, 566 100. 00% 843, 577, 124 100. 00% Strictly Private and Confidential

Stratification Tables Table 7. Breakdown by Seasoning (Months) Number of Loans % Outstanding Principal Balance (EUR) Outstanding Principal Balance (%) ]1; 2] 6, 647 6. 68% 64, 306, 454 7. 62% ]2; 3] 6, 980 7. 01% 62, 438, 400 7. 40% ]3; 4] 7, 497 7. 53% 71, 347, 335 8. 46% ]4; 6] 14, 335 14. 40% 131, 018, 359 15. 53% ]6; 8] 13, 625 13. 68% 110, 279, 324 13. 07% ] 8 ; 10 ] 13, 459 13. 52% 105, 415, 090 12. 50% ] 10 ; 12 ] 8, 857 8. 90% 76, 069, 418 9. 02% ] 12 ; 18 ] 15, 647 15. 72% 153, 463, 411 18. 19% ] 18 ; 24 ] 3, 891 3. 91% 28, 463, 349 3. 37% ] 24 ; 30 ] 2, 516 2. 53% 12, 439, 222 1. 47% ] 30 ; 36 ] 1, 322 1. 33% 4, 225, 953 0. 50% ] 36 ; 42 ] 1, 256 1. 26% 3, 819, 159 0. 45% ] 42 ; 48 ] 576 0. 58% 1, 710, 987 0. 20% ] 48 ; 54 ] 1, 162 1. 17% 6, 084, 481 0. 72% ] 54 ; 60 ] 760 0. 76% 3, 738, 803 0. 44% ] 60 ; 66 ] 465 0. 47% 3, 572, 942 0. 42% ] 66 ; 72 ] 252 0. 25% 1, 615, 448 0. 19% ] 72 ; 78 ] 192 0. 19% 2, 164, 471 0. 26% ] 78 ; 84 ] 63 0. 06% 816, 689 0. 10% ] 84 ; 90 ] 44 0. 04% 547, 849 0. 06% >90 75 20 0. 02% 39, 982 0. 00% total 99, 566 100. 00% 843, 577, 124 100. 00% Strictly Private and Confidential

Stratification Tables Table 8. Breakdown by Year of Origination Number of Loans % Outstanding Principal Balance (EUR) Outstanding Principal Balance (%) <= 2001 1 0. 00% 1, 489 0. 00% 2002 6 0. 01% 6, 249 0. 00% 2003 13 0. 01% 32, 245 0. 00% 2004 101 0. 10% 1, 288, 217 0. 15% 2005 413 0. 41% 3, 669, 492 0. 43% 2006 1, 149 1. 15% 7, 060, 902 0. 84% 2007 1, 792 1. 80% 8, 111, 728 0. 96% 2008 2, 498 2. 51% 7, 541, 409 0. 89% 2009 5, 948 5. 97% 35, 902, 522 4. 26% 2010 46, 378 46. 58% 403, 734, 551 47. 86% 2011 41, 267 41. 45% 376, 228, 320 44. 60% total 76 Number of Loans 99, 566 100. 00% 843, 577, 124 100. 00% Strictly Private and Confidential

Stratification Tables Table 9. Breakdown by Interest Rate Interest rate (%) Number of Loans % Outstanding Principal Balance (EUR) Outstanding Principal Balance (%) ] 1. 5% ; 2% ] 40 0. 04% 49, 873 0. 01% ] 2% ; 2. 5% ] 1 0. 00% 2, 839 0. 00% ] 2. 5% ; 3% ] 488 0. 49% 2, 479, 729 0. 29% ] 3% ; 3. 5% ] 155 0. 16% 1, 077, 638 0. 13% ] 3. 5% ; 4% ] 2, 029 2. 04% 12, 680, 030 1. 50% ] 4% ; 4. 5% ] 989 0. 99% 10, 732, 718 1. 27% ] 4. 5% ; 5% ] 4, 343 4. 36% 36, 247, 349 4. 30% ] 5% ; 5. 5% ] 1, 921 1. 93% 27, 400, 074 3. 25% ] 5. 5% ; 6% ] 9, 994 10. 04% 116, 579, 147 13. 82% ] 6% ; 6. 5% ] 13, 677 13. 74% 215, 514, 762 25. 55% ] 6. 5% ; 7% ] 14, 716 14. 78% 119, 774, 266 14. 20% ] 7% ; 7. 5% ] 13, 695 13. 75% 119, 804, 565 14. 20% ] 7. 5% ; 8% ] 4, 509 4. 53% 33, 861, 724 4. 01% ] 8% ; 8. 5% ] 4, 869 4. 89% 35, 841, 936 4. 25% ] 8. 5% ; 9% ] 5, 513 5. 54% 22, 425, 222 2. 66% ] 9% ; 9. 5% ] 2, 466 2. 48% 19, 094, 065 2. 26% ] 9. 5% ; 10% ] 8, 616 8. 65% 37, 214, 217 4. 41% ] 10% ; 10. 5% ] 4, 067 4. 08% 21, 797, 328 2. 58% ] 10. 5% ; 11% ] 2, 527 2. 54% 6, 218, 668 0. 74% ] 11% ; 11. 5% ] 936 0. 94% 1, 125, 541 0. 13% ] 11. 5% ; 12% ] 239 0. 24% 397, 877 0. 05% ] 12% ; 12. 5% ] 3, 646 3. 66% 3, 080, 906 0. 37% ] 12. 5% ; 13% ] 112 0. 11% 156, 704 0. 02% > 13% 18 0. 02% 19, 946 0. 00% total 77 Number of Loans 99, 566 100. 00% 843, 577, 124 100. 00% Strictly Private and Confidential

Stratification Tables Table 10. Breakdown by Region of Residence Region of residence Number of Loans % Outstanding Principal Balance (EUR) Outstanding Principal Balance (%) Alsace 3, 634 3. 65% 26, 579, 039 3. 15% Aquitaine 6, 435 6. 46% 56, 870, 828 6. 74% Auvergne 956 0. 96% 8, 924, 915 1. 06% Basse Normandie 2, 331 2. 34% 20, 128, 096 2. 39% Bourgogne 3, 488 3. 50% 31, 145, 926 3. 69% Bretagne 3, 571 3. 59% 29, 218, 145 3. 46% Centre 3, 531 3. 55% 29, 385, 507 3. 48% Champagne-Ardenne 2, 512 2. 52% 23, 929, 755 2. 84% Corse 579 0. 58% 4, 387, 429 0. 52% Franche-Comté 2, 975 2. 99% 23, 673, 643 2. 81% Haute Normandie 2, 900 2. 91% 26, 279, 497 3. 12% Ile de France 14, 829 14. 89% 121, 235, 284 14. 37% Languedoc Roussillon 4, 697 4. 72% 34, 914, 964 4. 14% Limousin 796 0. 80% 5, 933, 321 0. 70% Lorraine 4, 499 4. 52% 39, 786, 990 4. 72% Midi Pyrénées 3, 564 3. 58% 31, 092, 972 3. 69% Nord Pas de Calais 8, 639 8. 68% 77, 302, 203 9. 16% Pays de la Loire 3, 759 3. 78% 32, 444, 993 3. 85% Picardie 3, 862 3. 88% 35, 839, 922 4. 25% Poitou Charente 2, 949 2. 96% 22, 803, 320 2. 70% Provence Alpes Cote d’azur 10, 397 10. 44% 76, 019, 217 9. 01% Rhône Alpes 78 8, 663 8. 70% 85, 681, 158 10. 16% total 99, 566 100. 00% 843, 577, 124 100. 00% Strictly Private and Confidential

Stratification Tables Table 11. Concentration by Borrowers Largest Borrowers Number of Loans % Outstanding Principal Balance (EUR) Outstanding Principal Balance (%) Top 1 2 0. 00% 153, 231 0. 02% Top 5 11 0. 01% 632, 367 0. 08% Top 10 18 0. 02% 113, 8002 0. 14% Top 20 79 Number of Loans 28 0. 03% 2, 125, 575 0. 26% Strictly Private and Confidential

Transaction Reporting (Indicative Excerpt) 80 Strictly Private and Confidential

FCT Ginkgo Consumer Finance Compartment 2009 -1 Performance FCT Ginkgo Consumer Finance Compartment 2009 -1 First securitisation of CA Consumer Finance in France Closed in April 2009 French consumer loan portfolio Currently rated AAA/Aaa/AAA by S&P, Moody’s and Fitch Revolving transaction Started amortising in January 2011 – EUR 3. 8 bn portfolio at closing, EUR 2. 6 bn as of 31/08/2011 Managed by ABC Gestion Wider product scope than FCT Ginkgo Compartment Sales Finance 2011 -1 Personal loans (31. 8% at closing) Debt consolidation (18. 2% at closing) Sales finance (50% at closing) Performance information is available Rating agencies’ websites ABC Gestion website : http: //www. abcgestion. com 81 Strictly Private and Confidential