Appendices

Contractual conditions relating to hire with option to purchase

The credit agreement includes the following information:

I.-Object and parties to the contract:

1.1. The name or company name and address of the lessor;

1.2. The surname, first name and address of the lessee;

1.3. Where applicable, the surname, first name and address of the joint tenant;

1.4. The purpose of the finance and a description of the leased property;

1.5. The name, company name and address of the seller (1);

1.6. The cash price including tax of the leased property;

1.7. The duration of the transaction;

1.8. The final sale price at the end of the lease, expressed in euros and/or as a % of the cash price including tax of the leased asset;

1.9. Where applicable, the sale price during the lease, expressed in euros and/or as a % of the cash price including tax of the leased property;

1.10. The words: The lessee benefits from a fourteen-day withdrawal period, and the lessor reserves the right to grant or refuse the lease within seven days of acceptance of the credit agreement by the lessee.

II.-Cost of the lease:

2.1. The frequency of rental payments;

2.2. The amount of the rents, expressed in euros and/or as a %, of the cash price including tax of the leased property;

2.3. The number of rents;

2.4. The total rents including VAT, expressed in euros and/or as a % of the cash price including VAT of the leased property;

2.5. The total cost of the transaction if the property is purchased at the end of the lease, i.e. the sum, expressed in euros and/or as a %, of the cash price including tax of the leased property, the total rental payments and the final sale price.

III.-Payment of rents by the lessee:

3.1. Proposed payment terms.

IV.-Securities and insurance:

4.1. Where applicable, the surname, first name, address of the person acting as surety;

4.2. Where applicable, the nature of the insurance required to obtain the financing;

4.3. Where applicable, the amount of the security deposit, which will be returned at the end of the lease or deducted from the sale price when the property is purchased.

V.-Formation of the rental contract:

5.1. The right of withdrawal and its terms;

5.2. The conditions for approval by the lessor;

5.3. The tenant's rights and obligations relating to delivery of the property;

5.4. The lessee's rights and obligations relating to the automatic termination of the contract;

5.5. The statement: Any prior undertaking to pay the seller in cash in the event of the lessor's refusal to grant credit is null and void by operation of law.

VI.-Lessee's default:

6.1. A warning relating to the consequences of a default by the lessee;

6.2. The indemnities and, where applicable, the costs of non-performance that the lessor may claim from the lessee in the event of the lessee's default, together with the procedures for adjusting and calculating them.

VII.-Dispute resolution:

7.1. The mediation procedure referred to in Article L. 316-1 of the Monetary and Financial Code and its access arrangements;

7.2. The dispositions de l'article R. 312-35 du code de la consommation;

7.3. The address of the Autorité de contrôle prudentiel mentioned in article L. 612-1 du code monétaire et financier and that of the administrative authority responsible for competition and consumer affairs.

(1) If the leased property is purchased by the lessor from another seller.