CRÉDIT AGRICOLE ITALIA S.P.A.

Crédit Agricole Italia S.p.A. is an Italian commercial bank headquartered in Parma and part of the Crédit Agricole Group. It operates a nationwide branch and ATM network with a strong presence in northern and central regions, reflecting the integration of former local banks such as Cariparma, FriulAdria and Carispezia, and the 2021 acquisition of Credito Valtellinese. The bank offers retail, private and corporate banking services, including current accounts, savings and time deposits, mortgages and consumer credit, debit and credit cards, SME lending, leasing and factoring (via group companies), investment and brokerage services, and bancassurance products distributed with Crédit Agricole Vita and Crédit Agricole Assicurazioni; asset management is available through Amundi. Accounts can be opened in branch or online subject to Italian KYC requirements (valid ID, codice fiscale and, where applicable, proof of residence); non-resident onboarding may be limited or require additional documentation. Payment services include SEPA credit transfers (including instant where available), domestic F24/MAV/RAV and CBILL payments, and international transfers via SWIFT; debit cards typically operate on the PagoBANCOMAT circuit with an international Visa or Mastercard brand, and major mobile wallets are supported. Pricing is product-specific: account maintenance fees, card fees, ATM usage rules, transfer charges, and FX markups are disclosed in the Foglio Informativo and other transparency documents; mortgage and loan terms, including early repayment conditions, follow Italian and EU standards. Crédit Agricole Italia is supervised under the European Single Supervisory Mechanism by the ECB with the Banca d’Italia and participates in the Italian Interbank Deposit Protection Fund, which protects eligible deposits up to €100,000 per depositor per bank. Digital banking covers most routine operations; features and limits vary by package and customer segment.