Business is ON

THE FINANCIAL PARTNEROF YOUR DEVELOPMENT

THE ESSENTIAL

ONBUSINESS IS

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BUSINESS IS ON

OUR MISSION,OUR 5 COMMITMENTS

SUPPORTING ANDBOOSTING THEDEVELOPMENT OF OURCLIENTS AND PARTNERS

In today's fast-evolving economic and technologicalenvironment, that is more open, more mobile and alsomore complex, your business needs to stay distinctiveand competitive. To keep up, you need the very bestfinancial partner—one who will help you growsustainably and become one of the key playersin your market.

If you have investment plans and are seekinga financial partner that can provide expertise,flexbility and reliability, BNP Paribas LeasingSolutions is committed to your success, andwill be there to support you in the long term.

Our expert teams will advise you at all stages of yourprojects, from conception to implementation.These professionals have an in-depth knowledgeof your business sector and the challenges you face,and can anticipate the main market trends. Attentiveto your needs, they will provide competent adviceand assistance.

Within the BNP Paribas Group, BNP Paribas LeasingSolutions specialises in leasing and financing solutionsfor professional equipment, and in particular:

• vehicules and machineryvehicules and machineryvehicules and machineryvehicules and machinery in agriculture, construction,civil engineering, transport, and materials handling;

• technological equipmenttechnological equipmenttechnological equipmenttechnological equipment including office equipment,IT, telecommunications and specialised technologies.

We're a European leader in leasing, with nearly28.8 billion euros in financed assets28.8 billion euros in financed assets28.8 billion euros in financed assets28.8 billion euros in financed assets. We offer a hugerange of services, from operating lease to fleetoutsourcing and long-term leasing.

OUR EXPERTISE IS DEPLOYEDFOR THE BENEFIT OF:

Customers of the BNP Paribas Group: companies,professionals, SMEs, self-employed professionals,institutional clients.We offer to the customers of the BNP Paribas Group retail bankingnetwork (except individual clients) leasing solutions and financingservices to support their investment strategies.

Our partners: manufacturers and distributorsof professional equipment.We finance the sales of equipment manufacturers anddistributors (dealers and resellers) and software publishers,with leasing solutions and associated services offeredto the end-users.

Companies and professionals: SMEs,mid-tiers and multinationals.Through our BNP Paribas Rental Solutions brand,we directly propose solutions to certain professionalclients for the leasing and on-going management of theirIT assets or commercial and industrial vehicule fleets.We provide support for them throughout the asset lifecycle,from choosing equipment to turning it in.

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Business is ON

5 COMMITMENTSAND A VALUE PROMISEActing as a 'business accelerator' forits clients and partners, BNP ParibasLeasing Solutions offers companiesvalue-added solutions that enablethem to enhance productivity andtherefore profitability with smartand convenient tools.

Our 2,800 employees are trained to providehigh-quality service that rests on fivestrong commitments:

• ExpertiseExpertiseExpertiseExpertise: we share our extensiveknowledge of assets with our clientsand partners to help promote businessgrowth over the long term.

• SimplicitySimplicitySimplicitySimplicity: we offers tools and servicesadapted to the needs of our clientsand partners by looking for the greatestoperational efficiency.

• ResponsivenessResponsivenessResponsivenessResponsiveness: we have smart toolsto guarantee the quickest possibleservice.

• InnovationInnovationInnovationInnovation: we make every effortto regulary propose services andtechnological solutions on the cuttingedge of the market.

• ResponsibilityResponsibilityResponsibilityResponsibility: we act in an ethical,responsibile manner, always keepingthe BNP Paribas Group values in mind.

This promise is summarised in theBNP Paribas Leasing Solutions brandsignature:

INTERNATIONAL

WE CAN OPERATE IN 22 COUNTRIES, ON 4 CONTINENTS

INTERNATIONAL COVERAGE,LOCAL EXPERTISEThrough its global reach and local offices, BNP Paribas LeasingSolutions provides service in 22 countries, on four continents.

BNP Paribas Leasing Solutions is directly present in15 countries: Austria, Belgium, China (share in JiangsuFinancial Leasing), France, Germany, India (joint-venturewith Srei), Italy, Poland, Portugal, Romania, Spain,the Netherlands, The United Kingdom, The United States(via Bank of the West) and Turkey.

Finally, we bring our expertise to the Leasing departments ofthe BNP Paribas Group banking network in Algeria (El Djazaïr),Gabon (BICIG), Ivory Coast (BICICI), Luxembourg (BGL BNP Paribas),Morocco (BMCI Leasing), Senegal (BICIS) and Tunisia (UBCI Leasing).

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Americas

United States

Europe / Turkey

AustriaBelgiumFranceGermanyItalyLuxembourgNetherlandsPolandPortugalRomaniaSpainTurkeyUnited Kingdom

Asia

ChinaIndia

Africa

AlgeriaGabonIvory CoastMoroccoSenegalTunisia

PART OF A MAJORINTERNATIONALBANKING GROUP

In a changing world, BNP Paribas—as aleading bank in the Euro zone and a top-notchinternational bank—assists its clients in carryingout their projects. With 188,000 employees188,000 employees188,000 employees188,000 employeesin 75 countries75 countries75 countries75 countries, BNP Paribas offers world-classbanking and financial services and occupieskey positions in two major areas of activity:'Retail Banking & Services' and 'Corporate &Institutional Banking'.

'Retail Banking & Services''Retail Banking & Services''Retail Banking & Services''Retail Banking & Services' is a worldwidenetwork that provides retail banking and specialisedfinancial services. It is a continuing and enduringgrowth driver of BNP Paribas Group. BNP ParibasLeasing Solutions belongs to this entity.

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KEY FIGURES* AND AWARDS

A REFERENCE COMPANYIN THE LEASING SECTOR

A MAJOR PLAYER IN REAL-ECONOMYFINANCING

70 years'experience provindingleasing solutions

2,800specialiststaff

€9.8 billionin new commitments

We operate in

22 countries €28.8 billion of total assets under management

A European leader in the financingof capital equipment

480,000finance applications processedyearly and over 2,100 daily

EXPERTISE RECOGNIZEDIN THE MARKET 290,000 leasing contracts

agreed, three per minute,to benefit the real-economy

In 2011 and again in 2014, BNP ParibasLeasing Solutions was named 'EUROPEAN'EUROPEAN'EUROPEAN'EUROPEANLESSOR OF THE YEAR'LESSOR OF THE YEAR'LESSOR OF THE YEAR'LESSOR OF THE YEAR' at the 'Leasing LifeAwards'. This is one of the leasing sector'smost prestigious accolades.

In 2015 for the third consecutive year,BNP Paribas Leasing Solutions won the"FINANCIAL SOLUTIONS SUPPLIER OF THEFINANCIAL SOLUTIONS SUPPLIER OF THEFINANCIAL SOLUTIONS SUPPLIER OF THEFINANCIAL SOLUTIONS SUPPLIER OF THE YEARYEARYEARYEAR" award given at the annual " European IT& Software Excellence Awards 2015" ceremony.

*2014 figures

BANK

SUPPORTING AND FINANCINGTHE INVESTMENTS OF

THE BNP PARIBAS GROUP CUSTOMERSBNP Paribas Leasing Solutions provides services to the customers of the BNP Paribas Group

retail banking networks through teams in a dedicated department: Bank Leasing Services.

Bank Leasing Services supports corporate,SME, professional and institutionalcustomers of the Group's retail bankingnetworks in 5 countries: France, Italy (BNL),Belgium (BNP Paribas Fortis), Poland (BGZBNP Paribas) and Turkey (TEB). As part ofthe 'One Bank for Corporates' strategy put inplace by BNP Paribas to provide supportfor its corporate customers throughoutEurope and beyond, BNP Paribas LeasingSolutions also offers its leasing productsin 7 other European countries: Austria,Germany, Portugal, Romania, Spain,

the Netherlands and the United Kingdom.Finally, Bank Leasing Services advisesthe BGL BNP Paribas bank in Luxemburgand the entities of International RetailBanking (IRB) in Algeria, Morocco,Tunisia, Ivory Coast, Senegal and Gabon.In these countries, we help meet leasingrequirements for local customers.

As specialist in financing for professional equipment and real estate, the BankLeasing Services teams offer companiesthe following products* :

• Finance Lease with purchase option.Finance Lease with purchase option.Finance Lease with purchase option.Finance Lease with purchase option.With this type of financing, our customersknow in advance the price at which they maybuy the equipment when the leasing contractends. We indicate the residual value of theasset when the contract is signed. At the endof the contract, the customers have the optionto pay this amount and take ownershipof the equipment.

• Finance LeaseFinance LeaseFinance LeaseFinance LeaseThis type of contract does not include apurchase option. When it expires, the lesseemay request an extension to his leasingarrangement.

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• Insurance cover for the assets.Insurance cover for the assets.Insurance cover for the assets.Insurance cover for the assets.It is a complementary service providing for insuranceof the leasing solution. In case of total loss equipment, compensation is paid to settle the financing. In caseof partial loss (optional), the allowance covers the costof repair or replacement.

• Insurance cover for operatives.Insurance cover for operatives.Insurance cover for operatives.Insurance cover for operatives. It insures individualswhose services are indispensable for the companyagainst risks of death and permanent or temporarydisability. The outstanding balance on the insuredequipment will be settled in full.

• Real Estate leasing.Real Estate leasing.Real Estate leasing.Real Estate leasing. Exclusively for buildings intendedfor professional use, i.e. industrial, commercial, orfor the provision of professional services. We financeconstruction, the purchase of existing buildings,the purchase of land followed by construction,and acquisitions in future completion.

#SIMPLICITYAs a company or professional customer of the BNP Paribas Group, you already have a directrelationship with your bank account managerat your local branch or business center.Our Leasing Sales Representatives work in closecollaboration with your Bank Account Managerto simplify communications and jointly offer yousolutions that meet your financial needs.They organise three-way meetings to be heldat your premises or the bank.

* Products available vary depending on country

PARTNERS

FACILITATING DEVELOPMENTAND BOOSTING SALES

Providing our partners—manufacturers, publishers and their distribution networks(dealers and resellers)—with the financing solutions that will help them to boost

their sales is the core business of BNP Paribas Leasing Solutions.

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#EXPERTISE/ The 'Vendor Academy'

We offer our reseller partners aninnovative and fully customised trainingprogramme about our leasingproducts-the 'Vendor Academy'.Our staff provides your salesteams with customised sessionsthat reflect the business challengesof your sector. You benefit from our

in-depth knowledge of our productsand services, which your team can usein turn with their own clients to improvesales performance. This is anotherinnovative way in which BNP ParibasLeasing Solutions acts as a businessaccelerator for its partners, offeringservices with real added value.

In order to provide the optimal responsesto your business challenges and offer youvalue-creating solutions, we have chosento specialise for each given market in thefinancing of certain categories of assetsand equipment, in which our teamspossess recognized expertise. Thus,BNP Paribas Leasing Soltuions has putin place an organization that focuseson two main asset areas:

Equipment & Logistic Solutions,Equipment & Logistic Solutions,Equipment & Logistic Solutions,Equipment & Logistic Solutions,a business line dedicated to the financingof logistics equipment, with 4 mainbusiness sectors:

• agricultural machinery;• construction equipment;• commercial and industrial vehicules;• handling equipment.

Technology Solutions,Technology Solutions,Technology Solutions,Technology Solutions, a business linespecialising in technology equipment, and more specifically in 4 assetcategories:

• office equipment;• IT equipment including software;

• telecommunications equimentand infrastructures;

• specialist equipment (e.g. medical,security, audio-visual, etc.).

Besides, BNP Paribas Leasing Solutions hasdeveloped a range of products and servicestailored to meet all the financing requirementsof its clients and partners.

Loan with an equipment guarantee Loan with an equipment guarantee Loan with an equipment guarantee Loan with an equipment guarantee

Finance LeaseFinance LeaseFinance LeaseFinance LeaseUnder this arrangement, BNP ParibasLeasing Solutions finances and owns theequipment, but transfers to the lessee thefull risk associated with the use of the asset.It provides no service outside the provisionof equipment.

Finance Lease with purchase optionFinance Lease with purchase optionFinance Lease with purchase optionFinance Lease with purchase optionAs Finance Lease, but this allows youto purchase the equipment at the endof the contract. You have the opportunityto become the full owner of the asset.

Operating LeaseOperating LeaseOperating LeaseOperating LeaseUnder this arrangement, you use theequipment without acquiring it. BNP ParibasLeasing Solutions retains ownership of theasset. Once the rental period is over, you canreturn the asset or extend your agreement.

Leasing with servicesLeasing with servicesLeasing with servicesLeasing with servicesAs Operational Lease, but you are entitledto additional benefits such as equipmentservicing and maintenance.

Insurance cover for assetsInsurance cover for assetsInsurance cover for assetsInsurance cover for assetsThis is a complementary service providinginsurance for your leasing solution. In caseof total loss of equipment, compensationis paid to settle your balance. In caseof partial loss (optional), the allowancecovers the cost of repair or replacement.

Insurance cover for operativesInsurance cover for operativesInsurance cover for operativesInsurance cover for operativesThis insures individuals whose services areindispensable to the company against therisks of death and permanent or temporarydisability. The outstanding balance on theinsured equipment will be settled in full.

Financial management of distributionFinancial management of distributionFinancial management of distributionFinancial management of distributionnetworks (wholesale finance)networks (wholesale finance)networks (wholesale finance)networks (wholesale finance)We offer manufacturers and importers ofprofessional equipment with independentdistribution networks the possibilityto outsource the management of theirresellers' credit lines.BNP Paribas Leasing Solutions managesthe financial flow between the manufacturerand its distribution network. We take fullresponsibility for the invoices, including thefinancing, non-payment risk, managementand recovery of these amounts.

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#INNOVATION/ Lease OffersProposing a leasing arrangement, accessing the offer list, sending a finance request, consultinga live request list: our bespoke application'Lease Offers' does it all.

Available as an online version and on smartphonesand tablets, this application enables our partners andbusiness contributors to obtain the information theyrequire for their sales operations rapidly and easily.

CORPORATE CUSTOMERS

FINANCE AND MANAGEEQUIPMENT FLEETS

Within the BNP Paribas Group, BNP Paribas Rental Solutionsspecialises in rental solutions with services and

fleet management for corporated customers.

BNP Paribas Rental SolutionsBNP Paribas Rental SolutionsBNP Paribas Rental SolutionsBNP Paribas Rental Solutions specialisesin two markets:

• TechnologyTechnologyTechnologyTechnology including PCs, IT infrastructureand hardware, software and bespokeequipment.

• TrucksTrucksTrucksTrucks including trucks and industrialor commercial fleets.

It operates in the following countries:

• Technology: in France and Italy,to meet the needs of certain multinationalclients via the international BNP ParibasGroup banking network.

• Trucks: in France and in the UnitedKingdom.

BNP Paribas Rental Solutionsoffers the following services:offers the following services:offers the following services:offers the following services:

• advice when selecting equipmentand suppliers;

• management of the purchase cycle,administrative processes and financialmanagement;

• operational management of the vehiclefleet: maintenance, repairs, verificationof compliance, assistance;

• management of stock and fleets,and taking over equipment at the endof the leasing arrangement.

To enable you to focus on your coreTo enable you to focus on your coreTo enable you to focus on your coreTo enable you to focus on your coreactivitiesactivitiesactivitiesactivities, a full range of services is offered:

• support over the entire life cycle ofthe asset concerned, from selectionof the equipment to its return;

• recognised expertise regarding theequipment being financed, so thatwe can offer the necessary advicethroughout its lifecycle;

• adaptive management of your fleet,with the possibility of amending orextending the contract at any time;

• rapid and effective managementprocesses applied using specialisedtechnical and administrative platforms;

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• Handling your entire fleet: taking it over,managing it on your behalf, and renewing it. #RESPONSIVENESS

-Are you looking for a reliable partner to manage yourIT stock?We replace your damaged IT equipment within 72hours.- A question concerning your vehicle fleet?Our teams of specialist technicians are on hand 24/7to meet all your technical assistance needs.

Tailored solutionsTailored solutionsTailored solutionsTailored solutions, shaped to meet your requirements:

• Protect cash flow by spreading outrepayments;

• Keep assets off balance sheet for bettertax efficiency;

• Better control your budget by agreeingpredicable, manageable terms;

• Simplify administration by outsourcingit to reliable specialists;

• Reduce risk by entrusting credit andcompliance to a strong financial organisation.

A commitment to reliabilityA commitment to reliabilityA commitment to reliabilityA commitment to reliability base upon our belonging to the BNP Paribas Group:

• Facilitated access to financing;• A guarantee of transparency and compliance

with the relevant regulations;• The solidity of a powerful Group that

is recognized for its financial expertise;• A broader international presence.

CSR

OUR COMMITMENTS, OUR RESPONSIBILITY

BNP Paribas Leasing Solutions aims to be the benchmark company on the leasing and financial solutions market: for its clients and its partners,

for all its employees and more broadly for the economic community.

As a player that makes an importantcontribution to financing the real economy,BNP Paribas Leasing Solutions does businessby keeping in mind the interests of itsstakeholders in an ethical and responsiblespirit. This commitment is key to "Businessis ON", the BNP Paribas leasing SolutionsBrand signature, and is one of thecornerstones of the company's valuepromise.

In this way, BNP Paribas Leasing Solutionsintends to promote a leasing approach thatis increasingly more respectful of theenvironment, more responsible, more ethicaland showing greater solidarity. ThisCorporate Social Responsibility (CSR)Corporate Social Responsibility (CSR)Corporate Social Responsibility (CSR)Corporate Social Responsibility (CSR)approach is based on four pillars:Environmental, Social, Civic and Economic.

Fully consistent with the BNP Paribas Groupstrategy, BNP Paribas Leasing Solutions hasdeveloped its vision of CSR and has deployed

it in each country and business unit throughclear objectives to:

• reduce paper consumption;• reduce carbon dioxide emissions;• make employees aware of our CSR strategyand provide specific CSR training to salesteams;

• reinforce diversity;• encourage internal mobility;• promote financial education;• develop company sponsorship for socialinitiatives.

#RESPONSIBILITYIn 2014, in line with our environmental policy,we reduced emissions from our vehicle fleetsby 11%. Besides, 98% of the paper we usedwas from certified sources, and we reducedour total paper consumption by 2%, with118 tonnes of paper consumed in 2014.

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• Issued by: BNP Paribas Leasing Solutions, Corporate Communication Department • Design and production: • Photo credits:©Getty Images - ©Shutterstock • This document is printed on PEFC-certified paper by an "Imprim'Vert" - certified printer.

Direction de la Communication CorporateSeptembre 2015

BNP Paribas Leasing SolutionsTour Métropole / 46-52 rue Arago - 92800 Puteaux - FranceTél. : +33(0)1 41 97 20 00

www.leasingsolutions.bnpparibas.com

Business is ON

BNP Paribas Leasing SolutionsBNP Paribas Leasing SolutionsBNP Paribas Leasing SolutionsBNP Paribas Leasing SolutionsGentsesteenweg 1440 Chaussée de Gand - 1082 Brussels - Belgium

www.leasingsolutions.bnpparibas.com

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