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Mulrisque professional / Main guarantees on goods

The main guarantees on goods that must be met on a contract casualty insurance business are:

Fire :

The events concerned are:
- fire them
explosions and implosions
- the fall of lightning
- the action of electricity on electrical conduits
- the accidental release of smoke and sudden shocks
-vehicle / machine land / air / space

Liability in connection with the occupancy

Consequences against liability that you may incur as a result of an insured event under guarantees Fire and Casualty or water damage and occurring or arising in the insured premises.

weather events

- The direct action of wind
- The fall of hail
- The weight of snow or ice on roofs
- The effects of freezing on heating pipes within the premises
- The weather entering the building


Natural disasters


abnormal intensity of a natural agent.
Need for interdepartmental stop natural disasters.

Damage electric

-The action of lightning
- The action of electricity

creating damage to the interior of business premises on equipment, machinery and instruments by professional and private facilities, heating, air conditioning and ventilating the building and elevator

water damage

- breaks, overflows and leaking pipes buildings
- Infiltration of water or snow
- Overflow, Sewer break


Glass breakage and signs

Concerning: the storefront business premises, the glass in the interior, indoor signs and outside, the glass roofs and verandas

Flight and deterioration

are concerned:
- burglary or attempted burglary
- introduction of a duly established by the criminal use of false keys or illegal in maintaining the premises
- aggression during transport, the business premises, the home of the insured

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Comprehensive professional .. Introduction / Definitions

insurance space professionals and professional activity is materialized by a contract "Comprehensive Professional ".

But what does is meant by" business premises "?

These are all places where s' gainfully employed as opposed to residential premises.

Examples a restaurant, medical office, a laundry, a real estate agency, butcher ... etc

The "professionals" are persons or companies who perform this activity.

This includes traders, artisans , the professions.

Examples:

- Retailers: clothing store, cafe

- Home: plumber, locksmith, painter

- Liberal professions: doctor, lawyer, accountant

By signing a contract "Comprehensive professional", the insured covers:

- the content of its local : furniture, computers, cash registers, merchandise , tools

- civil liability may be incurred a professional capacity: as part of its activities, if the insured causes injury to one of its customers, the insurance company may intervene on the compensation for damage

- stability of his income: including through guarantees "operating losses" and "loss of market value of goodwill"

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AXA BANK All rates

DUES CARDS

Visa credit card to direct debit - Under 25 years: € 1.5 / month or 18 € / year
Credit card Visa Charge - Under 25 years: 2 € / month or 24 € / year
Visa credit card to direct debit: 2.5 € / month or 30 € / year
Credit card Visa Charge: 3 € / month or 36 € / year
Visa FIRST: 9 € / month or 108 € / Year

ADVANTAGE TRACE: 20% discount (card optional)

From the second card 50% discount on the premium.

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AXA BANK LOANS 3.30%! AXA BANK

Until May 31, 2006, AXA BANK offers loans at 3.30% APR fixed annual . For a project

AUTO / MOTORCYCLE / WORK from 7,500 € repayable at the option in 12 months or 24 months.


You retain all benefits of personal loans offered by AXA Bank:

■ No fee.
■ No compulsory personal contribution.
■ Reimbursements advance without charge.
■ Delaying 2 non-consecutive monthly payments per year.

Finance example:
To finance a project of 10 000 €:
• Monthly over 24 months: € 430.92 per month.
Total cost of credit excluding optional insurance: € 342.08.

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Personal Loans

AXA BANK offers a wide range of individual loans ls whatever your project:

- AUTO / MOTORCYCLE
-
WORK - EQUIPMENT / RECREATION

Depending on the amount borrowed, we establish a interest rates.

You will not undergo any charges.

you at any time, the possibility to repay your loan WITHOUT PENALTY OF ANY KIND.

AXA BANK offers regular promotions on the rates.

AUTO LOAN

You can get a loan:

- EUR 3 000 EUR 40 000 for a new vehicle or less than two years, with a repayment period of 12 to 60 months.

- EUR 3 000 to 21 500 euros for a vehicle over two years, with a repayment period of 12 to 48 months.

The fixed APR excluding optional insurance varies from 4.30% to 6.70% depending on the project and the amount financed.

Whether you choose to pay quickly or over a longer period, your credit rate remains the same!

MOTORCYCLE LOAN

Under the same conditions as the loan AUTO:

- EUR 3 000 EUR 15 000 for a new motorcycle or less than two years, repayable over a period of 12 to 60 months

- EUR 3 000 to 7 500 euros for a bike over two years, with a repayment period of 12 to 48 months.

WORK READY

From 3 000 to 21 500 euros payable over a period of 12 to 60 months.

The fixed APR excluding optional insurance varies from 5.70% to 6.70% depending on the project and the amount financed.

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AXA BANK ALL BASIC SERVICES FOR 30 € / YEAR BANK ACCOUNT

Looking for a bank that offers all banking services necessary for a very competitive price while making extreme availability. AXA BANK

is for you.

2.5 € / month or 30 € / year for Visa International card immediate debit ... and that's it!

All other banking services are free internet access, check, all types of transfers, withdrawals at ATMs.

Beyond this basic rate really competitive, there is even the possibility of being reimbursed for contributions :

-For an annual payment of 14,000 euros or more, the assessment of your credit card visa will be fully refunded.

-For an annual payment of between 7,000 euros and 14,000 euros, the assessment of your credit card Visa is reimbursed at 50%.

AXA Advisors BANK are available by phone 24 hours / 24 and 6 / 7 days.

All major operations are also accessible by the bias of customers access the website AXA BANK.

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AXA TRACE

AXA Bank soar just a new account that offers specific INNOVATIVE:

Rates of Pay Account: 1.00% Gross

In early 2006, Axa Bank launches interest-bearing account: trace the account.
Wage Rates: 1% GDP (from the first cash € uros on this account). The interest
is calculated daily on the account balance. They are paid monthly.

Benefits Account Oligo :

20% discount on credit card: Credit cards are reduced by 20% of their price.
The reimbursement system of the credit card (depending on your total purchases during the year with your card) still works with the account Oligo.
account maintenance fee offered (ie 7.50 € / year).
3% discount on insurance premiums Axa (from account Oligo). This discount is valid on insurance auto, motorcycle, home, private pension, health and legal protection.
insurance cards, loss of key papers offered, as the alert for news account in real time via SMS or email of your account movements.

Note: to the launching of the tender Trace: 3% gross yield on the account until April 30, 2006 Trace, in a cash limit of 10 000 € uros