BNP Paribas Personal Finance is the leader in personal financing in France and in Europe through its consumer credit and home loan activity. A 100% subsidiary of the BNP Paribas Group, BNP Paribas Personal Finance gathers more than 20 000 employees and operates in some thirty countries. Under various brands like Cetelem, Cofinoga and Findomestic, BNP Paribas Personal Finance provides its clients with a complete range of consumer credit, available in stores and car dealership or directly through customer relationship centers and via the companyÍs local websites. BNP Paribas Personal Finance proposes a savings offer in complement to its financing solutions in several countries such as Germany, Bulgaria, France and Italy. BNP Paribas Personal Finance had developed an active strategy of support for retailers, carmakers and dealers, Web merchants, and various financial institutions (banking and insurance), based on its creditÍs market experience and its ability to offer services adapted to the activity and the commercial strategy of its business partners. It is also a key player in terms of responsible credit¬ and budgetary awareness.