Whistleblowing Policy
We hereby inform that Cardif Assurances Risques Divers Japan operates a whistleblowing
system in accordance 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
Cardif Assurances Risques Divers Japan.
This whistleblowing system is open to:•Cardif Assurances Risques Divers Japan’s executive officers and employees (including
contract workers, and former executive officers, employees and contract workers, whohave left the company in the last one year)•Cardif Assurances Risques Divers 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 Assurances Risques Divers Japan(including former 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://nonlife.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 Assurances Risques Divers Japan, Compliance Department (Cases except
following matters covered by Human Resources & General Affairs Department)
E-mail: group_assurance_jp_whistleblowing@jp.cardif.com
Cardif Assurances Risques Divers Japan, HRGA Department (Harassment & HR-relatedcases)
E-mail: group_assurance_jp_whistleblowing_hr@jp.cardif.com

Please provide the following information:
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Your relationship with Cardif Assurances Risques Divers 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 Assurances Risques Divers Japan investigates all whistleblowing alerts, subject tothe correct formal requirements. The persons involved in the investigation treat all
information relating to the whistleblowing alerts as strictly confidential. Cardif Assurances
Risques Divers Japan may inform the whistleblower about the result of the investigationand measures, to the extent legally permissible, having regard to the rules on financial
institutions’ secrecy and privacy of personal data or other legal constraints.