Group Annual Report 2002

CONSOLIDATO 181-217 inglese 2-07-2003 18:12 Pagina 181 Group Annual Report 2002 Group Annual Report 2002 BANCA CR FIRENZE BANKING GROUP

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CONSOLIDATO 181-217 inglese 2-07-2003 18:12 Pagina 183 Table of contents Table of contents Directors' Report on the Group Cassa di Risparmio di Firenze Group - Consolidated summary data 184 Reclassified consolidated profit and loss account 185 Reclassified consolidated balance sheet 186 Composition of the Group 187 Comments on consolidated results 191 The Group's position 195 Participating interests 206 Outlook for the future 213 Consolidated Financial statements and Exhibits Consolidated balance sheet 215 Consolidated profit and loss account 217 Notes to the consolidated financial statements Part A - Valuation methods and accounting principles 218 Section 1 Description of valuation methods and accounting principles 218 Section 2 Fiscal adjustments and provisions 222 Part B - Information on the consolidated balance sheet 223 Section 1 Loans 223 Section 2 Securities 228 Section 3 Participating interests 231 Section 4 Property and equipment, and intangible assets 238 Section 5 Other assets 240 Section 6 Borrowings 242 Section 7 Provisions 244 Section 8 Share capital, reserves, reserve for general banking risks and subordinated debt 248 Section 9 Other liabilities 253 Section 10 Guarantees and commitments 254 Section 11 Concentration and distribution of assets and liabilities 258 Section 12 Asset management, custody and administration 262 Part C - Information on the consolidated profit and loss account 266 Section 1 Interest 266 Section 2 Commissions 268 Section 3 Gains and losses on financial transactions 270 Section 4 Administrative expenses 272 Section 5 Value adjustments, value re-adjustments and provisions 274 Section 6 Other consolidated profit and loss components 277 Section 7 Other information on the consolidated profit and loss account 279 Part D - Other information 280 Section 1 Directors and Statutory Auditor 280 Exhibits to the consolidated financial statements Consolidated statement of changes in capital, reserves, negative differences on consolidated and equity-valued holdings, reserve for general banking risks and net profit for the year 281 Consolidated statement of changes in financial position 282 Reconciliation between equity and net profit as appearing in the parent company and consolidated financial statements of Cassa di Risparmio di Firenze Spa 284 Report of the Independent Auditors 287 Listing of Branches 289 183

CONSOLIDATO 254-296 inglese 24-06-2003 15:09 Pagina 281 Exhibits to Consolidated Financial Statements Exhibits to Consolidated Financial Statements Consolidated Statement of changes in capital, reserves, negative differences on Consolidated and Equityvalued holdings, reserve for General Banking risks and net Share Share Legal Reserve Statutory Other Negative Reserve for Revaluation Net profit Total capital premium reserve for own reserves reserves differences on general reserves for the year shares consolidated banking and equity- risks valued holdings Balance at 31 December 2001 560,994 327 111,850 7,119 17,504 51,277 1,240 65,615 53,250 93,429 962,605 Allocation of 2001 net profit of the parent company (*) 13,783 13,747-84,918-57,388 Free increase in the parent company's share capital on 1 January 2002 on the conversion into euros, using part of the Revaluation reserves and Other reserves 3,849-996 -2,853 0 Free increase in the parent company's share capital resolved at its Extraordinary Shareholders Meeting of 29 April 2002 to bring the nominal value per share from Euro 0.52 to Euro 0.57 utilising the entire amount of the Share premium account and Revaluation reserves and a part of the Other reserves 54,312-327 -4,999-48.986 0 Bringing the parent company's Reserve for own shares into line with the amount of such shares at the year-end -227 227 0 Transfer to the parent company's statutory reserve of the net proceeds from the sale of pawned assets covering dishonoured loans, pursuant to the law on loans under pawn 86 86 Sale of parent company shares which were in portfolio at 31 December 2001-4,722 4,722 0 Effects of changes in interests held and other consolidation movements 799 2,835-2,179-694 752-8,511-6,998 Net profit for 2002 82,584 82,584 Balance at 31 December 2002 619,155 0 126,432 2,170 20,652 61,572 546 65,615 2,163 82,584 980,889 (*) Net profit of parent company allocated to: dividends 56,484 funds at the disposal of the Shareholders' Meeting 904 57,388 281

CONSOLIDATO 254-296 inglese 24-06-2003 15:09 Pagina 282 Consolidated Statement of Changes in Financial Position Funds generated and borrowed 31 December 2002 31 December 2001 Funds generated from operations: Consolidated net profit for the year 82,584 93,429 Transfers to provisions and reserves: 204,077 212,330 Provision for staff termination pay 19,879 20,751 Provisions for loan losses 19,178 22,083 Reserve for general banking risks 0 14,784 Provisions for pensions and similar obligations 18,171 4,489 Tax provisions 119,729 128,386 Other provisions 27,120 21,837 Value adjustments to: 89,114 87,050 Participating interests 2,882 3,885 Intangible assets 35,820 29,837 Property and equipment 29,505 33,598 Goodwill arising on consolidation 20,883 19,549 Goodwill on equity-valued holdings 24 180 Total funds generated from operations 375,775 392,809 Increase (decrease) in other liabilities: (487,449) 1,381,506 Amounts owing to banks (704,517) 1,447,204 Subordinated debt 250,000 138,000 Other liabilities (60,388) (184,833) Accrued liabilities and deferred income 7,427 9,061 Minority interests 20,723 (23,104) Negative differences on consolidated and equity-valued holdings (694) (4,822) Increase (decrease) in borrowed fund: 1,031,834 256,335 Customer deposits and third-party funds under management 691,821 308,829 Debt securities issued 340,013 (52,494) Increase in share capital and reserves 86 115 Transfers to statutory reserves of statute-barred surpluses on sale of pawned assets 86 115 Total funds generated, borrowed and raised 920,246 2,030,764 282

CONSOLIDATO 254-296 inglese 24-06-2003 15:09 Pagina 283 Exhibits to Consolidated Financial Statements Use of funds 31 December 2002 31 December 2001 Use of funds generated from operations: 177,985 133,959 Use of provision for staff termination pay 13,158 14,342 Use of provisions for loan losses 28,520 15,458 Use of reserve for general banking risks 0 6,367 Use of provisions for pensions and similar liabilities 11,716 7,021 Use of tax provision 111,472 87,642 Use of other provisions 13,119 3,129 Increase (decrease) in other assets: (31,103) 379,610 Participating interests (8,043) (9,851) Property and equipment 2,747 90,195 Intangible assets 27,058 42,097 Goodwill arising on consolidation 13,352 61,444 Goodwill on equity-valued holdings (636) 740 Other assets (80,674) 167,907 Accrued income and prepayments 15,093 27,078 Increase (decrease) in funds lent: 714,621 1,501,621 Cash on hand and with central banks (19,621) 73,773 Owned securities and certificates of deposit (201,556) (530,421) Amounts owing by banks 233,624 (107,738) Customer loans 702,174 2,066,007 Changes in shareholders' equity 58,743 15,574 Parent Company net profit for the year distributed to shareholders 56,484 55,022 Provision for amounts at the disposal of the shareholders' meeting 904 1,187 Changes in interests held and other consolidation movements 1,355 (40,635) Total use of funds 920,246 2,030,764 The relative portion of the changes generated by changes in the Group consolidation area is described in the individual sections of the notes to the consolidated financial statements. 283

CONSOLIDATO 254-296 inglese 24-06-2003 15:09 Pagina 284 Reconciliation between equity and net profit as appearing in the parent company and Consolidated Financial Statements of Cassa di Risparmio di Firenze Spa 31 December 2002 31 December 2001 Shareholders Net profit Shareholders Net profit equity for year equity for year Share capital 619,155 560,994 Own shares in portfolio -210-437 Share premium 0 327 Reserves 190,182 168,561 Reserve for general banking risks 62,475 62,475 Provisions for loan losses 17,648 20,947 Revaluation reserves 0 51,839 Net profit for the year 90,056 84,918 Total in Cassa di Risparmio di Firenze SpA's financial statements 889,250 90,056 864,706 84,918 Consolidation reserve and share of other reserves of Group companies -1,907-13,130 Parent Company shares held by companies consolidated fully or on the proportional method -1,960-6,682 Reserve for general banking risks pertaining to Group 3,140 3,140 Revaluation reserve pertaining to minority interests 2,163 1,411 Provisions for loan losses of fully-consolidated companies 13,394 20,008 Utilisation of provisions for loan losses to offset goodwill arising on consolidation -4,965-5,484 Negative differences arising on consolidation 8 3,869 Goodwill arising on consolidation and related amortisation -137,878-20,883-145,409-19,549 Net profits of companies consolidated fully or on the proportional method 61,888 54,743 Minority interests' share in net profits -13,593-11,879 Elimination of the value adjustment to the holding in Cerit SpA 2,535 0 Elimination of intragroup dividends -28,703-14,971 Elimination of value adjustments to participating interests in Group companies 37 0 Total for companies consolidated fully or on the proportional method -128,005 1,281-142,279 8,344 Consolidation reserve relating to equity-recorded companies 22,551 28,512 Negative differences on equity-valued holdings 538 966 Goodwill on equity-valued holdings and related amortisation -213-24 -710-180 Elimination of intragroup dividends -5,753-9,148 Elimination of value re-adjustments on equity-valued holdings -934 0 Net profits of equity-valued holdings 15,624 9,908 Minority interests' share in net profit -464-415 Elimination of the value adjustment to Info 2b SpA made by Infogroup SpA 107 Loss on disposal of equity-valued holdings -17,577 Reversal of value adjustment to holding in Info 2b SpA 268 Total for equity-valued holdings 22,876-8,753 28,767 166 Total for Cassa di Risparmio di Firenze Group 784,121 82,584 751,195 93,429 284

CONSOLIDATO 254-296 inglese 24-06-2003 15:09 Pagina 285 Exhibits to Consolidated Financial Statements The consolidated equity of the Cassa di Risparmio di Firenze Group comprises: 31 December 2002 31 December 2001 Shareholders Net profit Shareholders Net profit equity for year equity for year Share capital 619,155 560,994 Share premium 0 327 Legal reserve 126,432 111,850 Reserve for own shares 2,170 7,119 Statutory reserves 20,652 17,504 Other reserves 61,572 51,277 Revaluation reserves 2,163 53,250 Reserve for general banking risks 65,615 65,615 Provisions for loan losses 26,077 35,419 Own shares -2,170-7,119 Goodwill arising on consolidation -137,878-145,409 Negative differences arising on consolidation 8 112 Goodwill on equity-valued holdings -213-873 Negative differences on equity-valued holdings 538 1,128 Net profit for the year 82,584 93,429 Total 784,121 82,584 751,195 93,429 285

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CONSOLIDATO 254-296 inglese 24-06-2003 15:09 Pagina 287 Relazione della Società di revisione Relazione della Società di revisione CONSOLIDATED FINANCIAL STATEMENTS AT 31 DECEMBER 2002 AUDITORS REPORT IN ACCORDANCE WITH ARTICLE 156 OF LAW DECREE N 58 DATED 24 FEBRUARY 1998 To the Shareholders of CASSA DI RISPARMIO DI FIRENZE SPA 1 We have audited the consolidated financial statements of the Cassa di Risparmio di Firenze Group as of 31 December 2002. These consolidated financial statements are the responsibility of Cassa di Risparmio di Firenze SpA s directors. Our responsibility is to express an opinion on these financial statements based on our audit. 2 We conducted our audit in accordance with the auditing standards and criteria recommended by CONSOB. Those standards and criteria require that we plan and perform the audit to obtain the necessary assurance about whether the consolidated financial statements are free of material misstatement and, taken as a whole, are presented fairly. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by the directors. We believe that our audit provides a reasonable basis for our opinion. The financial statements of certain subsidiaries and associated enterprises have been audited by other auditors who gave to us the related reports. Our opinion, expressed herein, insofar as it relates to about 14.8 per cent of consolidated assets and 22.7 of consolidated ordinary revenues is based also on the audit performed by other auditors. For the opinion on the consolidated financial statements of the prior year which are presented for comparative purposes as required by law, reference is made to our report dated 12 April 2002. 287

CONSOLIDATO 254-296 inglese 24-06-2003 15:09 Pagina 288 3 In our opinion, the consolidated financial statements of Cassa di Risparmio di Firenze Group as of 31 December 2002 comply with the laws governing the criteria for their preparation; accordingly, they give a true and fair view of the consolidated financial position and of the results of operations of the Group. Florence, 11 April 2003 PricewaterhouseCoopers SpA Lamberto Tommasi (Partner) This report has been translated from the original which was issued in accordance with Italian legislation. 288

CONSOLIDATO 254-296 inglese 24-06-2003 15:09 Pagina 289 List of Branches List of Branches General Management - Via M. Bufalini, 6 - Florence Florence Area - Via dei Pucci, 1 - Florence South Tuscany Area - Piazzale Cosimini, 2 - Grosseto West Tuscany Area - Via Pievano Rolando, 6 - Empoli (Florence) North Tuscany Area - Viale Montegrappa, 302/g - Prato East Tuscany Area - Via Roma, 36 - Montevarchi (AR) FLORENCE AREA Florence - Via M. Bufalini, 4 Private Banking - Via M. Bufalini, 6 Corporate Banking - Via M. Bufalini, 6 Entities and Treasury Branch - Via Monalda, 7/9/13 Pawn Loans Office - Via Palazzuolo, 7/9 Florence I.U.E Office - Via Badia dei Roccettini - San Domenico Florence Commiliter Office - Via Cavour, 39 Florence C.I.A.A. Office - Piazza dei Giudici, 3 Florence C.T.O Office - Largo Palagi, 1 Farming Branch - Piazza Signoria, 20/r Branch 1 - Viale Matteotti, 20 Branch 2 - Via de Serragli, 126 Branch 3 - Via della Cernaia, 82 Branch 4 - Piazza Dalmazia, 37/r Branch 5 - Via Gioberti, 163/r Branch 6 - Via Nazionale, 93/95/r Branch 7 - Via degli Alfani, 79/r Branch 8 - Via il Prato, 109/r Branch 9 - Viale dei Mille, 26/r Branch 10 - Via F. De Sanctis, 48/50 Branch 11 - Via L. Bartolini, 20/r Branch 12 - Via dei Bardi, 50/52/r Branch 13 - Via Baldovini, 4/r Branch 14 - Via Tornabuoni, 23/r ang. Via del Parione 1/r Branch 15 - Piazza degli Ottaviani, 13/r Branch 16 - Via degli Speziali, 14/16/r Branch 17 - Via Martiri del Popolo, 35/39/r Branch 19 - Piazza Puccini, 2-2/a/r Branch 20 - Via del Gelsomino, 101/b Branch 21 - Via Casentino, 57 Branch 22 - Viale E. Duse, 24/a Branch 23 - Via A. del Pollaiolo, 152 Branch 24 - Via Aretina, 265/a Branch 25 - Viale Europa, 27/a/b Branch 26 - Via S. Caterina D Alessandria, 14 Branch 27 - Via Cecioni, 86 Branch 28 - Piazza Adua, 1/b Branch 29 - Piazza Artom, 7 Branch 30 - Viale Petrarca, 120/b/c/d Branch 31 - Via Locchi, 108 Branch 32 - Via Baracchini, ang.via Baracca Branch 33 - Via Doni, angolo Via Maragliano Branch 34 - Via Masaccio, 41/43 Branch 35 - Viale Pieraccini, 17 Branch 36 - Via Perfetti Ricasoli Branch 37 - Via Cento Stelle, 24/b Branch 38 - Viale Europa, 181/183 Branch 39 - Via Montelatici, 5 Branch 40 - Piazza delle Cure, 17/18/r Branch 41 - Piazza Gualfredotto da Milano, 19/r Branch 42 - Via Starnina, 41 Branch 43 - Via Comparetti, 32/34 Antella - Via U. Peruzzi, 36 Badia a Settimo - Via del Botteghino, 162 Bagno a Ripoli - Via F.lli Orsi, 4/6 Barberino di Mugello - Viale Matteotti, 2/b Barberino di Mugello Centro - Via della Repubblica, 2 Barberino Val d Elsa - Via Cassia, 61 Borgo S. Lorenzo - Piazza M. della Libertà, 12 Caldine - Via Faentina, 264/268 Calenzano - Via G. Puccini, 167/169 Campi Bisenzio - Via Rucellai, 2/2/a Capalle - Via Val di Setta Capalle - Sportello Direzione del Quarto Tronco Capraia - Via G. La Pira, 27/29 Casellina - Via Baccio da Montelupo, 20 Castelfiorentino - Piazza Cavour, 19 Certaldo - Via 2 Giugno, 7 Contea - Strada Statale, 67 ang. Via Mozza Dicomano - Via Dante Alighieri Empoli - Via Pievano Rolando, 6 Empoli Branch 1 - Via G. del Papa, 43 Empoli Branch 2 - Via Ponzano, 58 Fiesole - Piazza Garibaldi, 24 Figline Valdarno - Piazza Marsilio Ficino, 33 Figline Valdarno - Sportello Boehringer Ingelheim - Loc Prulli Figline Valdarno Branch 1 - Via Copernico, 72/74/76 Firenzuola - Corso Villani, 54 Fucecchio - Piazza Montanelli, 27 Galliano - Via 1 Maggio, 68 Galluzzo - Piazza Acciaioli, 1/2/r Grassina - Piazza Umberto I, 12 Greve in Chianti - Piazza Matteotti, ang. Via Roma Impruneta - Viale della Libertà, 1 Incisa Valdarno - Via XX Settembre, 38 289

CONSOLIDATO 254-296 inglese 24-06-2003 15:09 Pagina 290 Lastra a Signa - Piazza Firenze, 1 Le Bagnese - Via Silvestro Lega, 12 Londa - Via Roma, 35 Marcialla - Piazza Brandi, 15 Marradi - Via Talenti, 21 Matassino - Via F.lli Rosselli, 4 - ang. Via Urbinese Mercatale Val di Pesa - Via Mattoncetti, 16 Montaione - Piazza Cavour, 14 Montelupo Fiorentino - Piazza della Libertà, 1 Montespertoli - Piazza del Popolo, 41 Neto - Via G. di Vittorio, 14/18 Osmannoro - Via Volturno, 10/12 Palazzuolo sul Senio - Via Roma, 19 Pelago - Via della Rimembranza, 19 Peretola - Via I Settembre, 34/44 Pietramala - Via Pietramala, 632 Pontassieve - Piazza Cairoli, 2/a Ponte a Greve - Via Baccio da Montelupo, 64 Pratolino - Via Fiorentina Quinto Basso - Via Monteverdi, 45/47 Reggello - Via Dante Alighieri, 20 Rignano sull Arno - Via Unità Italiana, 34 Ronta - Via Faentina, 54 Rufina - Via Piave, 28/c San Bartolo a Cintoia - Viale Canova, 164 San Casciano Val di Pesa - Piazza delle Erbe, 1 San Donnino - Via Pistoiese, 375 San Francesco di Pelago - Via Bettini, 38 San Godenzo - Via Matteotti, 6 San Mauro a Signa - Piazza A. Ciampi, 8 San Piero a Sieve - Via Provinciale, 18/a Santa Brigida - Via Piana, 13/e Scandicci - Via Pantin, 1 Scandicci Branch 1 - Piazza Matteotti, 18 Scarperia - Viale Kennedy Sesto Colonnata - Viale 1 Maggio, 324/a Sesto Fiorentino - Via Dante Alighieri, 38 Sesto Fiorentino Branch 1 - Via Alcide De Gasperi, 11/13 Sieci - Via Aretina, 31/c Sovigliana - Via Silvio Pellico, 41 Signa - Via Roma, 324 Tavarnelle Val di Pesa - Via Roma, 85 Tavarnuzze - Via Montebuoni, 200 Vicchio di Mugello - Piazza Giotto, 10 AREZZO AREA Arezzo - Via Roma, 4 Arezzo Branch 1 - Via V. Veneto, 43 Arezzo Branch 2 - Via Don Luigi Sturzo, 14 Arezzo Branch 3 - Viale S. Margherita, 43/a Bibbiena - Strada Statale, 208 ang. Via G. di Vittorio Bucine - Via Roma, 37 Camucia - Viale Regina Elena, 3 Castelfranco di Sopra - Piazza V. Emanuele, 18/20 Castiglion Fiorentino - Corso Italia, 28/a Cortona - Piazza Signorelli, 7 Foiano della Chiana - Corso V. Emanuele, 34 Levane - Piazza del Secco, 15/16 Loro Ciuffenna - Piazza Matteotti, 7 Lucignano - Via Provinciale Senese Mercatale di Cortona - Via dei Ponti, 2 Montemignaio - Via della Pieve, 22/r Monterchi - Via Pier della Francesca, 54/56 Monte San Savino - Via della Pace, 25 Montevarchi - Via Roma, 36 Pian di Scò - Via Marconi ang. Via Roma Pieve al Toppo - Via Dante Alighieri, 1/b Pieve Santo Stefano - Piazza Logge del Grano, 3 Ponte a Poppi - Via Roma, 204 Rassina - Piazza Mazzini, 57 Rigutino - Via Nazionale Ovest, 90/91 San Giovanni Valdarno - Corso Italia, 20 Sansepolcro - Via XX Settembre, 82/a/b Sestino - Via Roma, 5 Stia - Piazza Tanucci, 70 Strada Casentino - Via Roma, 29/t Subbiano - Viale Europa, 24 Talla - Piazza G. Monaco, 8 Terontola - Via XX Settembre, 27 Terranuova Bracciolini - Piazza della Repubblica, 15 GROSSETO E PROVINCIA Arcidosso - Corso Toscana, 60 Bagno di Gavorrano - Via G. Marconi, 88 Castell Azzara - Piazza Martiri Niccioleta, 3 Castel del Piano - Viale Imberciadori, 1 Castiglion della Pescaia - Via Roma, 1 Follonica - Via Litoranea, 87 Giglio Porto - Via Cardinale Oneglia Grosseto - Piazza F.lli Rossselli, 7 Grosseto Branch 1 - Via Senese, 2/8 Grosseto Branch 2 - Via Giovanni XXIII, 31 Grosseto Branch 3 - Via Stati Uniti d America Manciano - Via Marsala, 118 290

CONSOLIDATO 254-296 inglese 24-06-2003 15:09 Pagina 291 List of Branches Porto Ercole - Via Fosso delle Buche, 77 Porto S. Stefano - Piazzale dei Rioni, 5 Roccastrada - Piazza Gramsci, 22 Sorano - Piazza Busatti, 3 LIVORNO E PROVINCIA Cecina - Via Diaz, 14/16 Livorno - Via dei Fulgidi, 12 Livorno Branch 1 - Via dell Artigianato, 35/b Livorno Branch 2 - Viale della Libertà, 57 Marina di Campo - Via Mascagni, 7 Porto Azzurro - Via Provinciale Est, 6 Portoferraio - Piazza Cavour, 60 Portoferraio Branch 1 - Via Carpani, 68 LUCCA E PROVINCIA Barga - Via Giovanni Pascoli, 36/38 Capannori - Piazza Aldo Moro Lido di Camaiore - Viale Colombo, ang. Via Veneto Marina di Pietrasanta - Via Versilia, 26 Marlia - Strada Statale 12, n.44 Pietrasanta - Piazza Carducci, 6 Seravezza - Via Roma, 31 Viareggio - Via San Francesco, 1 Viareggio Branch 2 - Piazza Dante, 6 Viareggio Branch 3 - Via Filzi ang. Parri Viareggio Branch 4 - Via F.lli Cervi Viareggio - Sportello Ospedale della Versilia Via Aurelia, 335 Viareggio - Sportello Mercato Ittico Via Salvatori, 13 MASSA E PROVINCIA Aulla - Piazza Mazzini, 9/10 Avenza - Via XX Settembre, 248 Bagnone - Via della Repubblica, 54 Carrara -. Via Roma, ang. Via Groppini Fivizzano - Via Roma, 208 Fosdinovo - Via Mazzini, 12 Gragnola - Via Nuova, 66 Massa - Via F. Crispi, 26 Pontremoli - Via Ricci Armani, 2 Villafranca Lunigiana - Piazza della Vittoria, 5 Foligno - Via Nazario Sauro, 4a/4c Gualdo Tadino - Via Flaminia, ang.via Tagliamento Gubbio - Via Campo di Marte, 39/41/43 Perugia - Via Settevalli Perugia Branch 1 - Piazza della Repubblica, 63 Ponte S. Giovanni - Via Quintina, 2 San Sisto - Viale S. Sisto, 333 Trestina - Via G. Parini, 20 Umbertide - Via della Repubblica PISA E PROVINCIA Bientina - Largo Roma, 13 Cascina - Viale Comaschi, 1 Castelfranco di Sotto - Piazza XX Settembre, ang. Gramsci Castelnuovo Val di Cecina - Via della Repubblica, 49/51 Pisa - Via San Martino, 82 Pisa Cisanello - Via Matteucci Pomarance - Piazza Sant Anna, 2 Pontedera - Via Castelli, 36 Ponsacco - Via Carducci, ang. Via XXV Aprile Ponte a Egola - Via Curtatone e Montanara, 49/a Santa Croce sull Arno - Via Cavour, ang. Via Basili San Miniato Basso - Piazzale della Pace, 9 Volterra - Via Matteotti, 1 PISTOIA E PROVINCIA Montecatini Terme - Via IV Novembre, 69 San Marcello Pistoiese - Via Pietro Leopoldo, 33 PRATO E PROVINCIA Oste Montemurlo - Via di Oste, 130 ang. Via San Babila Poggio a Caiano - Via G. Masi, 39 ang. Via Maccanti Prato - Via Fabbroni, 1/7 Prato Branch 1 - Via Pistoiese, 115 Prato Branch 2 - Via Mozza sul Gorone Prato Branch 3 - Viale Montegrappa, 302/g/h Prato Macrolotto - Via dei Fossi, 14 Prato Vergaio - Via Tobbianese, ang. Via di Vergaio San Giorgio a Colonica - Via del Leone, 27/a Seano - Via Baccheretana, 158 Vaiano - Via Val di Bisenzio, 205/c PERUGIA E PROVINCIA Bastia Umbra - Via Roma, 101/103 Città di Castello - Via S. S. Tiberina, 3 bis Deruta - Via Tiberina, 250 Ellera - Via di Vittorio, 106/108 ROMA E PROVINCIA Roma - Via Paisiello, 38 Roma Branch 1 - Piazza della Chiesa Nuova, 25 Roma Branch 2 - Via A. Baldovinetti, 102/104 Roma Branch 3 - Viale Ippocrate, 78/80 291

CONSOLIDATO 254-296 inglese 24-06-2003 15:09 Pagina 292 Roma Branch 4 - Via Tuscolana, 715/719/a Roma Branch 5 - Via Ostiense, 81/b/c/d SIENA E PROVINCIA Castellina in Chianti - Via Ferruccio, 45 Castellina Stazione - Via E. Berrettini, 42 Castelnuovo Berardenga - Via della Società Operaia, 1 Chianciano Terme - Viale della Libertà 503/505/507 Chiusi Stazione - Via Cassia Aurelia, 85 Colle Val d Elsa - Via Arnolfo di Cambio, 33/34 Gaiole in Chianti - Via Ricasoli, 76 Monteroni d Arbia - Via Roma, 134 Piancastagnaio - Via delle Acacie, 6/8 Pieve di Sinalunga - Viale Trieste, 39 Poggibonsi - Largo A. Gramsci, 15 Poggibonsi Branch 1 - Via Senese, 123/f Poggibonsi Branch 2 -Via Pisana, 110 Rapolano Terme - Via Prov.le Sud, 35 Siena - Piazza Tolomei, 11 Siena San Marco - Via Massetana, 2 San Gimignano - Piazza della Cisterna, 2 Torrita di Siena - Via Mazzini, 12 292