2007 - April

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1.0 Responsibility for this reference document and audits 1.3. Responsibility for audits of the financial statements Incumbent Statutory Auditors: Cabinet MAZARS Le Premium - 131, bd Stalingrad - 69624 Villeurbanne Cedex. Represented by Max Dumoulin Appointed at the Combined General Meeting on April 25 th , 2002. First appointed at the Ordinary General Meeting on April 16 th , 1996. Term-of-office ending at the Ordinary General Meeting convened to approve the financial statements for the year ending December 31 st , 2007. Part of Compagnie Régionale des Commissaires aux Comptes, Lyons. Cabinet DELOITTE & ASSOCIES 185, avenue Charles de Gaulle - 92201 Neuilly-sur-Seine Represented by Jean-Claude LEMAIRE Appointed at the Combined General Meeting on April 27th, 2006. First appointed at the Ordinary General Meeting on April 27 th , 2006. Term-of-office ending at the Ordinary General Meeting convened to approve the financial statements for the year ending December 31st, 2007. Part of Compagnie Régionale des Commissaires aux Comptes, Versailles. Deputy Statutory Auditors: Jean-Marie BARBEREAU Appointed at the Combined General Meeting on April 25 th , 2002. Term-of-office ending at the Ordinary General Meeting convened to approve the financial statements for the year ending December 31 st , 2007. Part of Compagnie Régionale des Commissaires aux Comptes, Lyons. Cabinet BEAS 7/9, Villa Houssay - 92200 Neuilly-sur-Seine. Appointed at the Combined General Meeting on April 27th, 2006. Term-of-office ending at the Ordinary General Meeting convened to approve the financial statements for the year ending December 31 st , 2007. Part of Compagnie Régionale des Commissaires aux Comptes, Versailles. 1.4. Disclosure policy People responsible for financial information: Dominique Godet Chief Financial Officer, Tel: +33 (0)4 72 36 18 98 Jean-Marc Atlan Kaelia, Tel: +33 (0)4 72 00 35 81 1.5. Documents available to the public For the term of the present reference document, the bylaws, Statutory Auditors’ reports and financial statements for the last three years, as well as all other reports, letters and other documents and historical financial information on the company and its subsidiaries over the last three financial years, valuations and reports drawn up by an auditor, when required under French law, and any other legally required documents may be consulted at the company’s registered office. Return to the contents section 5
2.0 General information on the company and its share capital General information on the company and its share capital 2.1. General information on the company 2.1.4. Date of creation and duration of the company 2.1.1. Corporate names and head office Head Office: 83-85, boulevard Vivier Merle - 69003 LYON. Corporate name: APRIL GROUP, formerly APRIL SA. APRIL SA became APRIL GROUP at the Combined General Meeting on March 31 st , 2000, with the former name of APRIL SA being AGLAE. AGLAE took the name APRIL SA after the merger of its GROUPE APRIL subsidiary on April 3 rd , 1997. Head Office: 83-85, boulevard Marius Vivier Merle 69003 Lyons - FRANCE. 2.1.2. Legal form French limited company (société anonyme) with a Board of Directors governed by Articles L.225-17 to L.225-56 of the French commercial code, in accordance with the legal structure adopted at the Extraordinary General Meeting on August 28 th , 2007. 2.1.3. Applicable legislation APRIL GROUP SA is a company operating under French law, subject to the provisions of Book II (Livre II) of the French Commercial Code governing commercial companies. The company was incorporated on February 22 nd , 1990 for a period of 99 years, ending May 31 st , 2089, except in the event of early dissolution or extension. It was registered on June 1 st , 1990. 2.1.5. Corporate Purpose According to Article 3 of the company bylaws, in France and abroad, the company’s purpose is the following: Acquisition of interests and holdings by any and all means, contributions of assets, subscriptions, purchases of equities, bonds and any and all corporate rights in companies, businesses, or commercial undertakings, Studies of transferable, real, industrial or commercial property, Creation of groups, entities, associations, companies, Brokerage and presentation of insurance operations in any form; any and all audits of insurance or risks, support for networks of professional insurance correspondents; policy management, Assistance, advice, training and communication, Directly or indirectly, on its own behalf or on behalf of third parties, either alone or with third parties, through the creation of new companies, asset contributions, partnerships, subscriptions, purchases of shares or rights, mergers, alliances, joint ownerships or taking or placing under lease or management any property or rights, or otherwise, Return to the contents section 6
Page 1 and 2: T 2007 he Reference document
Page 3 and 4: Contents 01 Main Document Responsib
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Page 9 and 10: 2.0 General information on the comp
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Page 33 and 34: 4.0 Net 4.0 worth-financial positio
Page 35 and 36: 5.0 Corporate 5.0 Governance Govern
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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
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1.0 Management report Lastly, he wo
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1.0 Management report Interest rate
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1.0 Management report In addition,
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1.0 Management report 10. Employee
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1.0 Management report 2. List of al
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1.0 Management report APRIL Solutio
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1.0 Management report Jean-Yves NOU
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1.0 Management report APRIL MOBILIT
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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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