(1) requirement DIAC S.A. has received the notification from ACPR, the French Prudential and Resolution Supervision Authority, implementing the decision of the Single Resolution Board (SRB) and discloses its binding minimum requirement for own funds and eligible liabilities (MREL (1)). MREL requirement is no longer defined on RCI Group consolidated basis but has been set on an individual basis for both RCI Banque S.A and its French subsidiary DIAC S.A. DIAC S.A. MREL requirement has been set at 8% of total risk exposure amount (TREA (2)) and 3% of leverage ratio exposure (LRE (3)) As of today, DIAC S.A. already complies with this MREL requirement. Future requirements will be subject to ongoing review.