Whistleblowing Policy
We hereby inform that Cardif Assurance Vie Japan operates a whistleblowing system inaccordance with local regulatory requirements and BNP Paribas Group rules. The
whistleblowing system enables to report confidentially any concern or suspicion of any
illegal, unethical or questionable practice they may become aware of in relation to CardifAssurance Vie Japan.
This whistleblowing system is open to:•Cardif Assurance Vie Japan’s executive officers and employees (including contractworkers, and former executive officers, employees and contract workers, who have left
the company in the last one year)•Cardif Assurance Vie Japan’s temporary workers (including former temporary workers,
who have left the company in the last one year)•Employees of external third parties who work for Cardif Assurance Vie Japan (includingformer employees, who have left the company in the last one year)

This system is not intended to deal with complaints.
Please contact our Customer Service Center for complaints.
(Available only in Japanese)
https://life.cardif.co.jp/contact
This whistleblowing system covers, but is not limited to, the following:
1. Fraud and corruption;
2. Violation of regulations such as those on money laundering, terrorism financing,financial embargoes and protection of client interests;
3. Unethical behaviour or dishonest acts, including harassment; or
4. Fraudulent market practice.
Whistleblowers without direct financial consideration and in good faith who report via thewhistleblowing system shall not be punished, dismissed or be subject to any kind ofdiscriminatory measures, whether direct or indirect, merely for having taken an initiativethat falls within the whistleblowing system as outlined above.Contact for whistleblowing
Cardif Assurance Vie Japan, Compliance Department (Cases except following matters
covered by Human Resources & General Affairs Department)
E-mail: group_assurance_jp_whistleblowing@jp.cardif.com
Cardif Assurance Vie Japan, HRGA Department (Harassment & HR-related cases)
E-mail: group_assurance_jp_whistleblowing_hr@jp.cardif.com
Please provide the following information:
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2.
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6.

Your relationship with Cardif Assurance Vie Japan
Your nameYour e-mailYour phone number
Date when the case occurred
The details of the case

Although this whistleblowing system allows anonymous reports, such anonymous reports
are able to be handled only when factual and precise pieces of information are provided
with sufficient details.
In addition, the BNP Paribas Group whistleblowing system (NAVEX) is available.
You are able to report whistleblowing cases through the following link, and also confirm
the progress and action plans, if applicable.
Website URL: bnpparibaswhistleblowingplatform.ethicspoint.com
Cardif Assurance Vie Japan investigates all whistleblowing alerts, subject to the correct
formal requirements. The persons involved in the investigation treat all information
relating to the whistleblowing alerts as strictly confidential. Cardif Assurance Vie Japanmay inform the whistleblower about the result of the investigation and measures, to theextent legally permissible, having regard to the rules on financial institutions’ secrecy andprivacy of personal data or other legal constraints.