PRESS KIT. Lille May 17, 2017 FINTECH GO! Join the richest European innovation ecosystem CALL FOR APPLICANTS. In partnership with :

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1 PRESS KIT Lille May 17, 2017 FINTECH GO! Join the richest European innovation ecosystem CALL FOR APPLICANTS In partnership with : 1

2 TABLE OF CONTENTS PRESS RELEASE... 3 A) Call for applicants: Fintech GO! Join the richest European innovation ecosystem Benefits offered to selected projects and startups... 5 Timeline B) Presentation of Le Village by CA Paris, Le Village by CA Nord de France, EuraTechnologies and of the partners in the call for applicants Le Village by CA Paris Le Village by CA Nord de France... 7 EuraTechnologies Finance Innovation Cluster (Pôle Finance Innovation) Lille Place Financière... 9 C) Context and challenges Definition of the Fintech industry Overview and evolution of the Fintech industry in Europe D) An ecosystem of incubators and accelerators unique in all of Europe Major players within immediate vicinity A geographic and economic hub... 12

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4 PRESS RELEASE Paris May 17, 2017 FINTECH GO! CALL FOR FINTECH, INSURTECH, AND REGTECH APPLICANTS FROM LE VILLAGE BY CA PARIS, LE VILLAGE BY CA NORD DE FRANCE, AND EURATECHNOLOGIES Fintech is taking off in Europe, driven by consumer expectations, innovation, and heavy investment. Nearly one in two British people and more than one in three French people have used services from a startup in Among millennials, more than 60% did so. Startups are developing new banking and insurance offerings and they are looking to take advantage of new European regulations. Investments in Fintech increased rapidly from 2011 to 2016, exceeding $70 billion. Europe did not hold back, with more than $13 billion invested from 2015 to In this environment, Le Village by CA Paris, Le Village by CA Nord de France, and EuraTechnologies are accelerating their work, with the shared desire to develop a center of excellence for project developers and startups with strong potential in the areas of Fintech, Insurtech, and Regtech. This alliance has led to the creation of a business incubator and accelerator ecosystem that is unique on the European stage. This ecosystem aims to serve as a bridge between the main European financial centers. Fintech GO! Join the richest European innovation ecosystem Fintech Go! will take place at the heart of the Paris-London-Brussels triangle, close to major European financial centers. Selected startups will meet in Paris and Lille with leading partners involved in Le Village by CA and EuraTechnologies. The chosen startups will receive personalized support, including mentoring, technology and business expertise, easier access to cutting-edge technology and infrastructure, and R&D and academic resources. They will get accelerated access to markets by being put into direct contact with potential customers and suppliers, as well as specialized players in the financial industry, including, first and foremost, the banks and financial companies of the Crédit Agricole Group. The application period will be open from May 17 to September 5, 2017 The application is open to startups and other innovative ventures in the areas of Fintech, Insurtech, and Regtech from all over Europe.

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6 Startups can submit their applications at until 5 September, The shortlist of applicants will be announced on September 12. On September 19, teams will be invited to present to a selection committee composed of distinguished experts in business and technology. The final selected startups will be honored at a welcome session to be held in Lille on November 10th. For more information and to apply, visit: 4

7 A) Call for applicants: Fintech GO! Join the richest European innovation ecosystem 1- Who is eligible to apply? The application is open to startups and other innovative ventures in the areas of Fintech, Insurtech, and Regtech from all over Europe. Startups (with priority given to companies less than 3 years old) who wish to accelerate their growth infrance and abroad. Project developers (ideally, teams of entrepreneurs with complementary profiles) must have completed an initial market study, including an analysis of the competition, and must have also established their position of differentiation. Project developers must have begun studying their concept without having yet created their startup company. Teams will be evaluated on the basis of the progress they have made so far, their ambition, their level of involvement, and their motivation to participate within the ecosystem. 2- Benefits offered to selected projects and startups For startups (with priority given to companies less than 3 years old): Accomodation within a thriving entrepreneurial ecosystem in Lille or Paris with multiple-site solutions Individual dedicated coaching throughout the duration of the program Coaching and mentoring provided by various partners of Le Village by CA and Euratechnologies Exclusive access to labs and test sites, notably via the Crédit Agricole Group Regularly scheduled workshops centered on various themes around sales and marketing strategy, HR management (recruitment, structure, training), communication, pitch development, financial management, international development, etc. Meet-ups with established entrepreneurs, field experts, investment funds, and business angels Access to exclusive offers from our technology partners (IBM, Microsoft, OVH, etc.) and to R&D centers (CEA Tech, INRIA Tech, Shopping Innovation Lab, CITC, etc.) Access to the national and international networks of Le Village by CA Access to Euratechnologies' international network of sites (New York, San Francisco, Shanghai, Dubaï, Belo Horizonte) Access to surrounding talents Promotion and increased visibility of your startup Exclusive access to trade shows and startup events Administrative assistance for foreign startups For project developers: Accomodation within a thriving digital entrepreneurial ecosystem in Lille Individual dedicated coaching throughout the duration of the program Sponsorship and mentoring provided by the various partners of Euratechnologies and Le Village by CA Workshops and themed training sessions (developing the business model, mastering the

8 pitch, market study, pricing, business plan, fundraising, etc.) led by experts in their fields 5

9 Meet-ups with established entrepreneurs, field experts, investment funds, and business angels Access to exclusive offers made possible thanks to the technology partners of Euratechnologies and Le Village by CA (Microsoft, IBM, OVH, Sigfox, Sellsy, etc.) and to R&D centers (CEA Tech, INRIA Tech, Shopping Innovation Lab, CITC, etc.) Promotion and increased visibility Administrative assistance for foreign startups 3- Timeline Startups can submit their applications at until midnight on September 5, The shortlist of applicants will be announced on September 12. On September 19, shortlisted teams will be invited to present to a selection committee composed of various experts in technology and other fields, including investors, financiers, as well as support structures for research and innovation. May 17: Application period starts September 5: Application period ends September 5-12: Shortlisted teams determined September 12: Shortlisted teams announced and invited to present to the selection committee September 19: Shortlisted teams present to the selection committee in Lille and/or Paris September 20: Selected startups and projects announced November 10: Welcome session: closing ceremony for Fintech Go! B) Presentation of Le Village by CA Paris, Le Village by CA Nord de France, EuraTechnologies and of the various partners in the call for applicants 1- Le Village by CA Paris Founded by Crédit Agricole in 2014, Le Village by CA is a value-creating ecosystem and startup incubator that supports projects that have strong potential. The first Village was established in Paris in 2014 followed by 14 additional sites in Lille, Orléans, Caen, St Brieuc, Toulouse, Bordeaux, Lyon, etc. Thirteen additional Villages will open in Le Village has connections in 25 major cities throughout the world (including New York, London, Moscow, Shanghai, Seoul, Tokyo, and Singapore) to help its startups develop internationally. The startups in each Village by CA benefit from an environment with cutting-edge technology and a central location within their respective regions. These startups grow in an innovative ecosystem that is connected to many partners, both public and private.

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11 2- Le Village by CA Nord de France A Village was opened in January 2016 in Euratechnologies, Lille. The Village by CA Nord de France had already been created. 20 partners dedicated to the incubation and acceleration of innovative startups. Within its ecosystem, Le Village by CA Nord de France is developing a Fintech and Insurtech center of excellence that benefits from the business and technology expertise of the partners of Le Village and the Crédit Agricole Group. After one year of existence, Le Village by CA Nord de France today welcomes 22 projects and startups supported in incubation and acceleration. Keep up to date with Le Village on Facebook and Twitter and at

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13 3- EuraTechnologies EuraTechnologies supports the development of all digital entrepreneurs using a unique methodology and expertise to assist companies from their startup phase to their international expansion. Created in 2009, EuraTechnologies has been ranked among the top 10 business accelerators in Europe by Fundacity, taking the top spot in France! EuraTechnologies has been a pioneer and spearhead for the French digital economy and tech industry, with 165+ companies, 3,600+ jobs, 100+ projects in incubation each year, 500+ events per year, and an international network (which includes San Francisco, Dubai, Shanghai, New York, and Belo Horizonte). With its expertise and awareness of the challenges of expanding across its region, EuraTechnologies is diversifying its offerings, particularly with Blanch le by EuraTechnologies, a new location dedicated to taking in and developing leading e-commerce companies. As an enabler and developer of talent, EuraTechnologies is accelerating the digital transformation of the economy to support development. EuraTechnologies is supported by its three founding shareholders: the European Metropolis of Lille, the Hauts-de-France region, and the City of Lille. facebook.com/euratechnologies, twitter.com/euratechnologie, linkedin.com/company/euratechnologies Our partners: 8

14 4- Finance Innovation Cluster (Pôle Finance Innovation) Since its creation in July 2007 by French Economy Minister Christine Lagarde, the Finance Innovation cluster has been implementing concrete measures to encourage and facilitate the development of innovative projects and strong value-creating research in the financial industry. The Finance Innovation cluster lives up to its name, with a network of 340 members from finance, technology, and the new economy. Finance Innovation facilitates exchanges between all stakeholders in the financial ecosystem, focusing on six key sectors: banking, insurance, asset management, consulting and accounting, real estate, and the social economy. The Finance Innovation label of excellence has already been awarded to 480 projects, including startups, SMEs, large companies, and academic institutions, and more than 1,000 companies have received support thanks to this program. The Label evaluates companies according to three criteria: innovation, strategic character, and credibility. Through its label, Finance Innovation is committed to supporting innovators in five key areas: Develop business (continued or breaking the ground) in France or abroad Fostering business-to-business relationships as a trusted third party via the FIN&TECH Growth Program. Public or private fundraising International development Pro bono consulting on designated days via the FIN&TECH Growth Program 5- Lille Place Financière Lille Place Financière brings together and centralizes the financial ecosystem of the Hauts-de-France region to drive economic development and employment in the region. The goals of this themebased club from the association "Les Places Tertiaires" are to: Inform, raise awareness, and initiate. Create spaces for meeting, exchanges, and interdisciplinary work. Make the strengths of our region known. Encourage relationships and collaboration between the business world and the world of training and research. Lille Place Financière promotes the linking of startup laureates with companies in the financial sector that are particularly active and thriving within the Lille metropolitan area. C) Context and challenges 1- Definition of the Fintech industry Fintech encompasses startups active in the banking and finance sectors, who are developing innovative products and services for their clients, either consumers or other businesses, by taking a more new technology-centered and agile approach compared with their traditional competitors.

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16 Their objectives: to penetrate the market via the simplification of technological infrastructures, automation, the exploitation of big data, ultra-personalized customer relations made possible by digital means, and even disintermediation. These innovative startups mainly deal in the areas of payment, credit, insurance, savings, and investment. They generally seek to streamline, simplify, and personalize customer relationships. These disruptors take full advantage of the new opportunities created by breakthrough technology (Big Data, AI, IoT, blockchain, etc.), by cutting edge business models (the sharing economy, peer to peer, etc.), as well as by the convergence of technologies (telecommunication, IT, audiovisual, mobile, etc.). Fintech, Insurtech, Regtech startups in these three spheres tend to have a common need to really attack their respective markets: to aggressively establish commercial and industrial partnerships with established players. 2- Overview and evolution of the Fintech industry in Europe Evolution and potential of the market Today, more than one-third of all French consumers have already used a Fintech financial service. In addition, nearly 40% of the population claim to be interested in what Fintech has to offer. This is surely a sign of what's to come in the next several years. Unknown just a few years ago, the services offered by Fintech, Insurtech, and Regtech startups are becoming more and more prevalent and accessible. The spread of new technologies and the arrival of millenials on the market suggests the scenario of a more sustained growth of online practices and uses in the years to come. The digital revolution that has already begun to take over the banking and financing sectors will only continue to accelerate beyond the year Investment growth Fintech continues to attract a great deal of interest from eager investors. Worldwide, since 2010, nearly 70 billion dollars have been invested in the Fintech sector. In Europe, if Britain's position holds steady representing 40% of total investments, France will continue to accelerate with considerable potential. A total of $13 billion has been invested between 2015 and 2016 and private equity continues to grow (+7% in 2016). Following the rise of Fintech in the payment and collaborative financing platform industries, the Insurtech sector has shown significant traction, particularly in connection with the explosion of the Internet of Things market. The growing weight of regulations imposed on the financial sector attracts new companies proposing innovative solutions based on big data, AI, and blockchain. 10

17 D) An ecosystem of incubators and accelerators unique in all of Europe 1- Major players within immediate vicinity A technology-centered environment conducive to the acceleration and development of startups To create, deploy, and optimize their solutions, project developers and startups can take advantage of platforms and other technology tools and services offered by major partners such as IBM, OVH, and Microsoft. Their international experts who have set the stage in terms of disruptive technology, such as AI, blockchain, and IoT, and work today on the foundation of many years of R&D activity will work directly alongside young startups via coaching and mentoring sessions. Easy access to the latest technological innovations around Cloud and Big Data enables startups to develop quickly and with agility. Extensive business expertise creates ample opportunity and space to experiment, learn, and develop The Crédit Agricole group is a powerful international banking network: the 1 st bank-insurer in Europe, the 1 st financer within the French economy and #1 in French asset management via the subsidiary Amundi. Supported by its subsidiaries notably Crédit Agricole Assurances, Crédit Agricole Corporate and Investment Bank, Crédit Agricole Consumer Finance, and Amundi the group provides a complete and optimal testing ground for Fintech, Regtech, and Insurtech innovators. A global and far-reaching bank that counts some 52 million clients across 50 countries, startups will benefit from the expertise offered by the Crédit Agricole Group, which has been in business for more than 120 years conducting activity around 10 different sectors and currently driven by 140,000 employees. Growth fueled by the bonds forged between investors, financiers, and startups. Euratechnologies, Le Village by CA Paris and Le Village by CA Nord de France, all strong success stories in their own respective spaces, will serve as experienced guides for startups entering the fundraising phase, a crucial step in the timeline of any young company. Entrepreneurs will have the chance to receive expert guidance as they construct their fundraising strategy and meet various investment funds and business angels within the extended network. Experts will help teams to calculate their needed funds as precisely as possible, in addition to understanding the ins and outs of the process, ultimately optimizing their chances for success. Young innovators, immersed in the heart of these thriving entrepreneurial ecosystems, will also benefit from valuable feedback from other startups who have already achieved this milestone. Accelerated development thanks to support structures for research and development

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19 Le Village by CA Paris, Le Village by CA Nord de France, and Euratechnologies all serve as venues for the meeting, interaction, and convergence of various economic players within the world of research and training. Numerous laboratories and structures dedicated to the advancement of technology are contained within the Euratechnologies tech campus, where Le Village by CA Nord de France is located. These include INRIA, CEA Tech, SILAB (Shopping Innovation Lab) and CITC (a cluster dedicated to IoT). Around 20 events are dedicated to the transfer of technology every year. At the same time, the Finance Innovation cluster, a close partner in this call for applications, has as its core mission the support of collaborative R&D projects that can take advantage of government funding from within the Ile-de-France region and/or other French departments. These collaborative projects link companies startups and large enterprises alike to various publich research or training organizations. 2- A geographic and economic hub Paris: a capital of innovation The most attractive European capital for startups and investors, Paris continues to reinvent itself and attract talent thanks to its dynamic economy. The French capital, which boasts world-renowned research laboratories, is the largest university center in Europe and the leading European city in terms of number of large enterprise headquarters. To add even more to its level of attraction, each day more than 3000 Parisian startups receive ongoing support thanks to an extensive network of more than 40 incubators, accelerators, and coworking spaces. As far as fundraising, Paris is now the second leading European city, just behind London, having garnered nearly 300 million euros of venture capital in 2016 via 65 separate operations. The financial center of Paris benefits enormously from this growth. As a European leader in the equity, corporate, and government debt markets, Paris is at the forefront of pioneering financial and insurance services. Lille and the Hauts-de-France region at the center of Europe Ideally situated within Europe, within close proximity to four European capital cities: Paris, London, Brussels, and Amsterdam each accessible in less than two hours, Lille is an important part of the Hauts-de-France dynamic, with a total combined population of 78 million people between all five cities and their respective regions. This encompasses a purchasing power of 1.5 billion euros concentrated within a 300-kilometer radius. The Hauts-de-France region is the fourth largest French region in terms of GDP as well as land available for foreign investment, and the 2 nd most attractive French region as far as number of jobs (2016). The region is known for its international openness and dense network of value-added service companies. With 65 financial institutions representing more than 65,000 employees and a thriving insurance

20 sector, Lille is also the 3rd largest financial center in France. Thanks to the especially competitive location costs compared to the rest of Europe, the Hauts-de-France region and the Lille metropolitan area offer a welcoming environment in addition to attractive economic activities. The youngest region in France, with 33% of its population under the age of 25, the Hauts-de-France region also serves as a premier talent pool made up of 210,000 students from numerous internationally ranked business and engineering schools (10% of all engineers in France have graduated from a school within this region). For more information and to apply, visit: Media contacts: Village by CA Paris - Natacha Heurtault - Natacha.heurtault@early-com.com (0) Village by CA Nord de France - Claire Desagher - claire.desagher@ca-norddefrance.fr (0) EuraTechnologies : Mathilde Ozanne, Agence Raoul - mathilde@agenceraoul.com (0)

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