2007 - April

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Legal structure at December 31 st , 2007 GIE APRIL COURTAGE GIE LA MAISON COMMUNE APRIL GROUP 100% APRIL Mediterranean Ltd GIE APRIL Prestations APRIL GROUP PREVOYANCE IND. 100% 100% 84% 100% 70% 82.7% 100% 97.38% 80% 99.86% 59.4% APRIL Assurances 100% 100% 99% APRIL Assurances Entreprises APRIL Technologies APRIL Conseils APRIL Financial Services APRIL Germany APRIL IBERIA APRIL MOBILITE (*) 100% APRIL ITALIA AHM APRIL Réunion APRIL SANTE SOLIDARIS TMS Contact Moral Caraïvbes 100% APRIL GROUP DOMMAGES PARTICULIERS 75% 100% 100% 70% AMT Assurances APRIL Immobilier APRIL Premium APRIL Yaght Broker di Assicurazioni 38.2% ASSURDOM gestion 55% 90.7% 76.6% 100% 100% 75% 50% ASSURTIS CGCA (*) GI2A (*) Easyssur FG&A France Plaisance Assurance Habitance Mutant Assurances GIE CHÂTEAUDUN GIE MULTISERVICES APRIL GROUP CORPORATE APRIL Corporate Broking APRIL Cover APRIL Solutions Entreprises CIARE (*) AS Conseil et Audit COGEALP Groupe ASSINCO HAUSSMAN Conseils SASCO (*) SEPCOFI (*) 100% 100% 100% L&E Title group APRIL Marketing Solutions 100% 100% 100% 100% 100% 69,9% Mutassur Assurances Microreso (GIE) 95.1% 70% 100% 64% 66% 80% 100% 80% 80% 63.7% 63.8% 100% 49% 50% DIERREVI Europassur Aris APRIL Solutions 100% APRIL GROUP VIE EPARGNE 100% Axeria Vie 100% APRIL Patrimoine 100% 100% 100% 100% 100% 100% ISR Courtage LETIS (UK) LE Italie LE Spain LETIP France LE Jersey CSF APRIL North America 100% 60% 100% 100% Dave Rochon Dave Rochon Insurance Service Inc. D&L Underwriting Managers Ltd. Escapade 100% 100% 100% 100% 100% 100% 100% APRIL Alpha APRIL Delta APRIL Gamma APRIL Kappa APRIL Omega APRIL Sigma Forum Finances (*) The remaining capital of those companies is held by Axeria Iard and Axeria Prévoyance APRIL GROUP PRÉVOYANCE INDIVIDUELLE Division (APRIL GROUP Individual Personal Protection) APRIL GROUP DOMMAGES PARTICULIERS Division (APRIL GROUP Retail Property and Casualty) APRIL GROUP CORPORATE Division Axeria Prévoyance Axeria IARD Axeria Insurance Company SOLUCIA PJ APRIL GROUP VIE ÉPARGNE Division (APRIL GROUP Life and Savings) Insurance company 100% 100% 100% 100% 100% 100% 100% Company based on the North American Continent Axeria Re Ltd APRIL CEE Developpement (Hungary) Axeria Courtage 100 % AMC 100% SFG 100% ARPI (SCI) Company located outside of France 21 Return to the contents section
3.0 Information on the company’s activities 3.4.1.Description of main investments 3.4.1.1. In 2007 AMT Assurances APRIL GROUP DOMMAGES PARTICULIERS (Retail Property and Casualty) acquired a 75% stake in AMT Assurances, a wholesale broker specialized in designing, managing and distributing motorcycle insurance policies. Axeria Vie AXERIA Vie (Life and Savings) was accredited by the French Insurance regulator (Comité des Entreprises d’Assurance) on January 17 th , 2007. This company, fully-owned by APRIL GROUP VIE ÉPARGNE, accompanies APRIL GROUP’s development of its life insurance activities. ISR Courtage ISR Courtage, a dedicated brokerage structure for distributing socially responsible investments online, began trading in 2007. Febs (now APRIL Financial Services AG) APRIL GROUP PRÉVOYANCE INDIVIDUELLE (Individual Personal Protection) bought out the 10% stake held by minority shareholders in APRIL Financial Services AG on February 19 th , 2007, taking its interest in this company’s capital up to 84%. APRIL Germany APRIL GROUP PRÉVOYANCE INDIVIDUELLE (Individual Personal Protection) bought out the 20% stake held by minority shareholders in APRIL Germany on May 16 th , 2007, taking its interest in this company’s capital up to 100%. APRIL North America APRIL GROUP, through its specially created subsidiary APRIL NORTH AMERICA, acquired the Canadian brokerage firms Dave Rochon Assurances Inc., on June 8 th , 2007, and ESCAPADE Assurances Voyages, on June 11 th , 2007. ESCAPADE Assurances Voyages, based in Sainte Croix, is specialized in travel insurance products for retail customers. Dave Rochon Assurances Inc., based in Montreal, is a wholesale broker specialized in heightened risks on retail and corporate property and casualty insurance. ASSURDOM Gestion APRIL GROUP PRÉVOYANCE INDIVIDUELLE (Individual Personal Protection) acquired a 38.2% stake in the Reunion-based ASSURDOM Gestion on June 22 nd , 2007. ASSURDOM Gestion is a wholesale broker specializing in property and casualty risks, primarily for retail customers Assinco APRIL GROUP CORPORATE acquired an 80% stake in Assinco on November 7 th , 2007. Assinco is an insurance brokerage firm, operating directly or through its 16 subsidiaries, on personal insurance, property and casualty insurance for goods and credit insurance, for businesses and individuals on mainland France and in French overseas departments and territories. APRIL Cover APRIL Cover, set up in 2006, began trading in 2007. This company provides small and medium-sized businesses with access to the entire range of tools required for managing their customer positions in order to prevent and manage non-payment risks: prevention, compensation, collection management, optimization of financing. Solidaris Since 2007, Solidaris, previously APRIL Partenariats, has been developing non-discriminating insurance solutions and services for legal protection, supplementary health and loan insurance for the homosexual community. APRIL Réunion APRIL Réunion, previously APRIL Distribution, began trading in 2007 on Reunion. The company is focused primarily on individual personal protection and health. APRIL CEE Development In 2007, APRIL GROUP created APRIL CEE Development, a Budapest-based brokerage company, in order to develop its business in Hungary. APRIL Mediterranean Ltd and Axeria Re Ltd Through its subsidiary APRIL Mediterranean Ltd (regional holding company), APRIL GROUP created Axeria Re Ltd on December 28 th , 2007. Axeria Re Ltd is a reinsurance company based in Malta. APRIL Santé In 2007, APRIL GROUP launched the business for APRIL Santé, with a network of points of sale and spaces for advice on family health insurance. APRIL Corporate Broking Previously APRIL International, it launched its activity to design, integrate and manage P&C insurance solutions for businesses, offered through a network of brokers and insurance agents. 22 Return to the contents section
Page 1 and 2: T 2007 he Reference document
Page 3 and 4: Contents 01 Main Document Responsib
Page 5 and 6: 1.0 for this reference document and
Page 7 and 8: 2.0 General information on the comp
Page 17 and 18: 3.0 Information on the company’s
Page 21: 3.0 Information on the company’s
Page 33 and 34: 4.0 Net 4.0 worth-financial positio
Page 35 and 36: 5.0 Corporate 5.0 Governance Govern
Page 37 and 38: 5.0 Corporate Governance The Invest
Page 39 and 40: 5.0 Corporate Governance APRIL Nort
Page 41 and 42: 5.0 Corporate Governance LA FRANCAI
Page 43 and 44: 5.0 Corporate Governance MADECO A M
Page 45 and 46: 5.0 Corporate Governance Offices (o
Page 47 and 48: 5.0 Corporate Governance Each crite
Page 49 and 50: 6.0 developements and outlook Recen
Page 51 and 52: 1.0 Management report report Manage
Page 53 and 54: 1.0 Management report All of the in
Page 55 and 56: Property Heath and Life and savings
Page 57 and 58: 1.0 Management report Lastly, he wo
Page 59 and 60: 1.0 Management report Interest rate
Page 61 and 62: 1.0 Management report In addition,
Page 63 and 64: 1.0 Management report 10. Employee
Page 65 and 66: 1.0 Management report 2. List of al
Page 67 and 68: 1.0 Management report APRIL Solutio
Page 69 and 70: 1.0 Management report Jean-Yves NOU
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1.0 Management report Cercle des é
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1.0 Management report Delegations t
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1.0 Management report The term set
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1.0 Management report 18. Elements
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3.0 Chairman 3.0 of the Board of Di
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3.0 Chairman of the Board of Direct
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4.0 Statutory Auditors’ report St
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03 P. financial statements financia
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1.0 APRIL GROUP consolidated financ
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1.0 APRIL GROUP consolidated financ
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2.0 Notes to the consolidated finan
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3.0 Statutory 3.0 report on the con
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04 P. financial statements financia
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1.0 APRIL GROUP statutory financial
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2.0 Highlights Highlights Creation
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3.0 Notes to the statutory financia
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4.0 Statutory Auditors’ general r
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5.0 Special 5.0 Auditors’ report
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5.0 Special Statutory Auditors’ r
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6.0 Combined 6.0 General Shareholde
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6.0 Combined General Shareholders
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7.0 Index 7.0 of headings of headin
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7.0 Index of headings INFORMATIONS
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2007 - April

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