BPCE_REGISTRATION_DOCUMENT_2017

6 SOCIAL, ENVIRONMENTAL AND SOCIETAL INFORMATION A range of services to meet the challenges facing our customers

DIGITAL COMMUNICATION SERVING INNOVATION AND SOLIDARITY

in the fields of healthcare, the ecological transition, digital advancement,industry, real estate and renewable energy production via a wide range of financial solutions with a presentation of the projectsand their impacts. Espace Dons In keeping with its values of social innovationand solidarity,in 2015 the Caisse d’Epargne network launched www.espacedons.com, an online platform where donations can be made to non-profits, foundations and endowment funds. The goal is to provide customerswith a tool to diversifytheir funding sources by calling on the generosity of the public and using digital media for fund collection and communicationpurposes. Espace Dons can be accessedfrom any computer,tablet or smartphone,and offers simple and secure online payment via subsidiaryS-money.It was also the first crowdfundingplatform to offer a choice of three types of donations:money,time (volunteerwork)or objects.Some projectsthat meetthe network’sengagementprioritiesin a givenregionmay benefit from atop-up donationunder itscorporate patronage program. At end-November 2017, the platform listed 300 non-profits presenting close to 450 projects online. Kocoriko WhenBanquePopulaireAuvergneRhôneAlpescreatedthis platformin late 2015, it wanted to reaffirm its strong regional connection by offeringa financingtool for alternativeprojects.In the spiritof sharing and community,Kocoriko embraces initiatives generating a regional, economic, cultural, innovative or solidarity-based impact. General-interestprojects published on the platform receive support from the Banque Populaire Auvergne Rhône Alpes endowmentfund, which doubles the amount of donationscollectedwithin the limit of € 1,500 per project. Through this original initiative, the bank proudly displays its cooperativeand regional values while making use of an innovativedigitalcommunication tool. In two years, Kocoriko has helped nearly 200 projects and raised € 450,000in donationsfrom15,000donors.

The crowdfunding movement fits in perfectly with Groupe BPCE’s approach to achieving greener, more responsible, transparent and solidarity-basedfinance. Some Groupe BPCE entities have decided to develop special solutions to this end, either single-handedly or in partnership. Proximea Proximea is an equity crowdfunding platform created and wholly-owned by Banque Populaire Atlantique. Since May 2015, it has been conducting fund-raising campaigns for innovative companies and real estate developers in the Grand Ouest region. Its business is to convince investors to work with young companies by providingthemwith resourcesto get their strategyup and running.It starts with the launch of a communication campaign aimed at building the company’s reputation and attracting investors. Proximea’sthree-personstaff tap into the entity’s very deep regional roots to draw investorsin closer to the real economywhile benefiting their local community. Success stories include the € 600,000 raised from 53 investors for Vannes start-up company Tiwal and € 1 million for a wind farm project located in Chemillé ( département 49). In two and a half years, Proximea has raised almost € 9 million from 600 investors for12 differentprojects. Wiseed Crédit Coopératif has a longstanding history in innovative finance, investing in the crowdfundingmovement as a vector for developing new digital investmentmodels. Crédit Coopératif takes advantage of opportunitiesarising on the Internet and builds on the momentumof new digital players. One such player is equity structureWiSEED, with which the bank formed a strong partnership to promote innovative offers inthe energy, ecological and solidarity-based transition field. Created in 2008 and boasting over 95,000 members, WiSEED (1) organizedthe financing,to the tune of € 100 million, of 200 projects with a material impact on society, the environmentand job creation

WiSEED has been authorized by the ACPR (French Prudential Supervisory and Authority for the banking and insurance sector) to operate as an Investment Service Provider under number CIB (1) 11783.

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Registration document 2017