# EDGAR Filing Document

**Accession Number:** 0000005513
**File Stem:** 0000005513-25-000148
**Filing Date:** 2025-12
**Character Count:** 115910
**Document Hash:** e7fbe9cb73f18463a33473e972beefc4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000005513-25-000148.hdr.sgml**: 20251218

**ACCESSION NUMBER**: 0000005513-25-000148

**CONFORMED SUBMISSION TYPE**: S-8

**PUBLIC DOCUMENT COUNT**: 6

**FILED AS OF DATE**: 20251218

**DATE AS OF CHANGE**: 20251218

**EFFECTIVENESS DATE**: 20251218

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Unum Group
- **CENTRAL INDEX KEY:** 0000005513
- **STANDARD INDUSTRIAL CLASSIFICATION:** ACCIDENT & HEALTH INSURANCE [6321]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 621598430
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** S-8
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-292256
- **FILM NUMBER:** 251583801

**BUSINESS ADDRESS:**
- **STREET 1:** 1 FOUNTAIN SQUARE
- **CITY:** CHATTANOOGA
- **STATE:** TN
- **ZIP:** 37402
- **BUSINESS PHONE:** 423-294-1011

**MAIL ADDRESS:**
- **STREET 1:** 1 FOUNTAIN SQUARE
- **CITY:** CHATTANOOGA
- **STATE:** TN
- **ZIP:** 37402

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** UNUMPROVIDENT CORP
- **DATE OF NAME CHANGE:** 19990702

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PROVIDENT COMPANIES INC /DE/
- **DATE OF NAME CHANGE:** 19961204

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PROVIDENT LIFE & ACCIDENT INSURANCE CO OF AMERICA
- **DATE OF NAME CHANGE:** 19950407

**As filed with the Securities and Exchange Commission on December 18, 2025**

**Registration Statement No. 333-**

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, D.C. 20549**

---

| | |
|:---|:---|
| **FORM S-8<br>REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933** | **FORM S-8<br>REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933** |
| **UNUM GROUP**<br>(Exact name of registrant as specified in its charter) | **UNUM GROUP**<br>(Exact name of registrant as specified in its charter) |
| **Delaware**<br>(State or Other Jurisdiction of Incorporation or Organization) | **62-1598430**<br>(I.R.S. Employer Identification No.) |
| **1 Fountain Square**<br>**Chattanooga, Tennessee 37402**<br>(Address of Principal Executive Offices, Zip Code) | **1 Fountain Square**<br>**Chattanooga, Tennessee 37402**<br>(Address of Principal Executive Offices, Zip Code) |
| **Unum European Holding Company Limited SAYE Share Option Scheme 2025**<br>(Full title of the plan) | **Unum European Holding Company Limited SAYE Share Option Scheme 2025**<br>(Full title of the plan) |
| **J. Paul Jullienne**<br>**Vice President, Managing Counsel and Corporate Secretary**<br>**1 Fountain Square, Chattanooga, Tennessee 37402**<br>**(423) 294-1011**<br>(Name, address, including zip code, and telephone number, including area code, of agent for service) | **J. Paul Jullienne**<br>**Vice President, Managing Counsel and Corporate Secretary**<br>**1 Fountain Square, Chattanooga, Tennessee 37402**<br>**(423) 294-1011**<br>(Name, address, including zip code, and telephone number, including area code, of agent for service) |

---

---

| | | | |
|:---|:---|:---|:---|
| Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act. | Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act. | Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act. | Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act. |
| Large accelerated filer | 🗹 | Accelerated filer | ◻ |
| Non-accelerated filer | ◻ | Smaller reporting company | ◻ |
| | | Emerging growth company | ◻ |
| If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act. ◻ | If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act. ◻ | If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act. ◻ | If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act. ◻ |

---

------

**EXPLANATORY NOTE**

This Registration Statement on Form S-8 (this "Registration Statement") is filed by Unum Group (the "Registrant") to register 200,000 shares of the Company's common stock, par value $0.10 per share, to be offered under the Unum European Holding Company Limited SAYE Share Option Scheme 2025.

**PART I**

**INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS**

**Item 1.&nbsp;&nbsp;&nbsp;&nbsp;Plan Information.**

The documents containing the information specified in Part I of Form S-8 will be delivered to eligible employees as specified by Rule 428(b)(1) of the Securities Act of 1933, as amended (the "Securities Act"). In accordance with the instructions of Part I of Form S-8, such documents are not being filed with the Securities and Exchange Commission (the "Commission") either as part of this Registration Statement or as prospectuses or prospectus supplements pursuant to Rule 424 of the Securities Act. Such documents and the documents incorporated by reference in this Registration Statement pursuant to Item 3 of Part II of Form S-8, taken together, constitute a prospectus that meets the requirements of Section 10(a) of the Securities Act.

**PART II**

**INFORMATION REQUIRED IN THE REGISTRATION STATEMENT**

**Item 3.&nbsp;&nbsp;&nbsp;&nbsp;Incorporation of Certain Documents by Reference.**

The following documents, which have previously been filed by the Registrant with the Commission pursuant to the Securities Exchange Act and pursuant to the Securities Exchange Act of 1934, as amended (the "Exchange Act"), are hereby incorporated by reference herein and shall be deemed to be a part hereof:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;&nbsp;&nbsp;the Registrant's <u>[Annual Report on Form 10-K for the fiscal year ended December 31, 202](https://www.sec.gov/ix?doc=/Archives/edgar/data/0000005513/000000551325000015/unm-20241231.htm)[4](https://www.sec.gov/ix?doc=/Archives/edgar/data/0000005513/000000551325000015/unm-20241231.htm)</u> filed with the Commission on February 27, 2025;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;&nbsp;&nbsp;the Registrant's Quarterly Reports on Form 10-Q for the fiscal quarters ended <u>[March 31, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/0000005513/000000551325000059/unm-20250331.htm)</u>, <u>[June 30, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/0000005513/000000551325000118/unm-20250630.htm)</u>, and <u>[Septembe](https://www.sec.gov/ix?doc=/Archives/edgar/data/0000005513/000000551325000130/unm-20250930.htm)[r 30, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/0000005513/000000551325000130/unm-20250930.htm)</u>, filed with the Commission on April 30, 2025, July 30, 2025, and November 4, 2025, respectively;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;&nbsp;&nbsp;the Registrant's Current Reports on Form 8-K filed with the Commission on <u>[May 22, 20](https://www.sec.gov/ix?doc=/Archives/edgar/data/0000005513/000000551325000073/unm-20250522.htm)[25](https://www.sec.gov/ix?doc=/Archives/edgar/data/0000005513/000000551325000073/unm-20250522.htm)</u>, <u>[May 23, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/0000005513/000000551325000079/unm-20250522.htm)</u>, <u>[July 2, 2](https://www.sec.gov/ix?doc=/Archives/edgar/data/0000005513/000000551325000109/unm-20250701.htm)[025](https://www.sec.gov/ix?doc=/Archives/edgar/data/0000005513/000000551325000109/unm-20250701.htm)</u>, <u>[November 14, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/0000005513/000000551325000135/unm-20251114.htm)</u>, and <u>[December 4, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/5513/000000551325000137/unm-20251204.htm)</u>; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;&nbsp;&nbsp;&nbsp;the Description of Registrant's Securities filed as <u>[Exhibit 4.1](https://www.sec.gov/Archives/edgar/data/5513/000000551325000015/unm123124ex413.htm)[3](https://www.sec.gov/Archives/edgar/data/5513/000000551325000015/unm123124ex413.htm)</u> to the Registrant's Annual Report on Form 10-K for the fiscal year ended December 31, 2024 filed with the Commission on February 27, 2025, together with any amendment or report filed with the Commission for the purpose of updating such description; and

In addition, all documents subsequently filed by the Registrant with the Commission pursuant to Sections 13(a), 13(c), 14 and 15(d) of the Exchange Act (other than the portions of those documents furnished or not otherwise deemed to be filed), prior to the filing of a post-effective amendment to this Registration Statement which indicates that all securities offered hereby have been sold or which deregisters all securities remaining unsold, shall be deemed to be incorporated by reference in this Registration Statement and to be a part hereof from the date of filing of such documents. Notwithstanding the foregoing, unless specifically stated to the contrary, none of the information that the Registrant discloses under Items 2.02 or 7.01 of any Current Report on Form 8-K that it may from time to time furnish to the Commission will be incorporated by reference into, or otherwise included in, this Registration Statement.

Any statement, including financial statements, contained in a document incorporated or deemed to be incorporated by reference herein shall be deemed to be modified or superseded for purposes of this Registration Statement to the extent that a statement contained herein or therein or in any other subsequently filed document which also is or is deemed to be incorporated by reference herein modifies or supersedes such statement. Any such statement so modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Registration Statement.

**Item 4.&nbsp;&nbsp;&nbsp;&nbsp;Description of Securities.**

Not Applicable.

------

**Item 5.&nbsp;&nbsp;&nbsp;&nbsp;Interests of Named Experts and Counsel.**

Not Applicable.

**Item 6.&nbsp;&nbsp;&nbsp;&nbsp;Indemnification of Directors and Officers.**

Section 145 of the Delaware General Corporation Law permits a corporation to indemnify its directors and officers, as well as other employees and individuals, against expenses (including attorneys' fees), judgments, fines and amounts paid in settlement actually and reasonably incurred by them in connection with specified actions, suits or proceedings, whether civil, criminal, administrative or investigative (other than one by or in the right of the corporation - a "derivative action"), if they acted in good faith and in a manner they reasonably believed to be in or not opposed to the best interests of the corporation, and, with respect to any criminal action or proceeding, had no reasonable cause to believe their conduct was unlawful. A similar standard is applicable in the case of derivative actions, except that the statute requires court approval before there can be any indemnification where the person seeking indemnification has been found liable to the corporation. To the extent any such person is successful on the merits or otherwise in the defense of any such derivative or non-derivative action, the corporation must indemnify the person against such expenses. The statute provides that it is not exclusive of other rights to which those seeking indemnification may be entitled under any bylaw, agreement, vote of stockholders or disinterested directors or otherwise.

Article VIII of the Registrant's amended and restated bylaws provides that the Registrant will indemnify each person who is or was, or is threatened to be made, a party to or witness in any threatened, pending or completed action, suit, proceeding or claim, whether civil, criminal, administrative or investigative by reason of the fact that the person is or was a director, officer, employee or trustee of the Registrant or, while a director, officer, or employee of the Registrant, is or was serving at the request of the Registrant as a director, officer, employee or trustee of another corporation, partnership, joint venture, trust, employee benefit plan or other enterprise, against expenses (including attorney's fees and expenses), judgments, fines, penalties and amounts paid in settlement, incurred by such person in connection with defending, investigating, preparing to defend, or being or preparing to be a witness in, such action, suit, proceeding or claim, if such person acted in good faith and in a manner he or she reasonably believed to be in or not opposed to the best interests of the Registrant, and, with respect to any criminal action or proceeding, had no reasonable cause to believe his or her conduct was unlawful. However, in the case of an action, suit, proceeding or claim by or in the right of the Registrant, no indemnification will be made under the Registrant's amended and restated bylaws in respect of any such claim or any issue or matter in any such action, suit or proceeding as to which such person shall have been adjudged to be liable to the Registrant unless (and only to the extent that) the Delaware Court of Chancery or the court in which such claim, action, suit or proceeding was brought shall determine upon application that, despite the adjudication of liability but in view of all the circumstances of the case, such person is fairly and reasonably entitled to indemnification for such expenses and amounts which the Delaware Court of Chancery or such other court shall deem proper.

The Registrant will provide indemnification under its amended and restated bylaws (unless ordered by a court) only as authorized in the specific case upon a determination, as provided for in the amended and restated bylaws, that indemnification of the person seeking indemnification is proper in the circumstances because the person has met the applicable standard of conduct set forth in the amended and restated bylaws.

Article VIII of the Registrant's amended and restated bylaws also provides for advancement of expenses by the Registrant in advance of the final disposition of an action, suit, proceeding or claim upon receipt by the Registrant of a written request therefor and a written undertaking by or on behalf of the person seeking indemnification to repay such amounts if it is determined in accordance with the amended and restated bylaws that such person is not entitled to be indemnified by the Registrant.

The indemnification and advancement of expenses provided for in Article VIII of the Registrant's amended and restated bylaws will be made to the fullest extent permitted by applicable law as it presently exists or is amended. The provisions of Article VIII will continue as to a person who has ceased to be a director, officer, employee or trustee and will inure to the benefit of the heirs, executors and administrators of such person.

As permitted by Section 102(b)(7) of the Delaware General Corporation Law, the Registrant's amended and restated certificate of incorporation provides that no director or officer shall be personally liable to the Registrant or its stockholders for monetary damages for breach of fiduciary duty as a director or officer, except to the extent such exemption from liability or limitation thereof is not permitted under the Delaware General Corporation Law.

The Registrant also maintains insurance on its directors and officers, which covers liabilities under federal securities laws.

------

**Item 7.&nbsp;&nbsp;&nbsp;&nbsp;Exemption from Registration Claimed.**

Not Applicable.

**Item 8.&nbsp;&nbsp;&nbsp;&nbsp;Exhibits.**

See exhibits listed under the Exhibit Index below.

**Item 9.&nbsp;&nbsp;&nbsp;&nbsp;Undertakings**

(a)&nbsp;&nbsp;&nbsp;&nbsp;The undersigned Registrant hereby undertakes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1)&nbsp;&nbsp;&nbsp;&nbsp;To file, during any period in which offers or sales are being made, a post-effective amendment to this Registration Statement:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;&nbsp;&nbsp;To include any prospectus required by Section 10(a)(3) of the Securities Act;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;&nbsp;&nbsp;&nbsp;To reflect in the prospectus any facts or events arising after the effective date of the Registration Statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the Registration Statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20% change in the maximum aggregate offering price set forth in the "Calculation of Registration Fee" table in the effective Registration Statement; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii)&nbsp;&nbsp;&nbsp;&nbsp;To include any material information with respect to the plan of distribution not previously disclosed in the Registration Statement or any material change to such information in the Registration Statement;

*provided*, *however*, that paragraphs (a)(1)(i) and (a)(1)(ii) above do not apply if the information required to be included in a post-effective amendment by those paragraphs is contained in periodic reports filed with or furnished to the Commission by the Registrant pursuant to Section 13 or Section 15(d) of the Exchange Act that are incorporated by reference in the Registration Statement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2)&nbsp;&nbsp;&nbsp;&nbsp;That, for the purpose of determining any liability under the Securities Act, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3)&nbsp;&nbsp;&nbsp;&nbsp;To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.

(b)&nbsp;&nbsp;&nbsp;&nbsp;The undersigned Registrant hereby undertakes that, for purposes of determining any liability under the Securities Act, each filing of the Registrant's annual report pursuant to Section 13(a) or Section 15(d) of the Exchange Act (and, where applicable, each filing of an employee benefit plan's annual report pursuant to Section 15(d) of the Exchange Act) that is incorporated by reference in the Registration Statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.

(c)&nbsp;&nbsp;&nbsp;&nbsp;Insofar as indemnification for liabilities arising under the Securities Act may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions, or otherwise, the Registrant has been advised that in the opinion of the Commission such indemnification is against public policy as expressed in the Securities Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Registrant of expenses incurred or paid by a director, officer or controlling person of the Registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act and will be governed by the final adjudication of such issue.

------

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| **<u>Exhibit No.</u>** | **<u>Description</u>** |
| 4.1 | <u>[Restated Certificate of Incorporation of Unum Group, effective May 28, 2024 (incorporated by reference to Exhibit 3.1 of the Registrant's Quarterly Report on Form 10-Q filed on July 31, 2024)](https://www.sec.gov/Archives/edgar/data/5513/000000551324000142/unm06302024ex31.htm)</u>. |
| 4.2 | <u>[Amended and Restated Bylaws of Unum Group, as amended effective March 4, 2023 (incorporated by reference to Exhibit 3.1 of the Registrant's Current Report on Form 8-K filed on March 7, 2023)](https://www.sec.gov/Archives/edgar/data/5513/000000551323000070/unm20230304ex31.htm)</u>. |
| 5.1\* | <u>[Opinion of Gibson, Dunn & Crutcher LLP](unm-ex51xopinionofgdc.htm)</u>. |
| 23.1\* | <u>[Consent of Gibson, Dunn & Crutcher LLP (included in Exhibit 5.1)](unm-ex51xopinionofgdc.htm)</u>. |
| 23.2\* | <u>[Consent of Independent Registered Public Accounting Firm](unm-ex232xeyconsent.htm)</u>. |
| 24.1\* | <u>[Power of Attorney](unm-ex241xpoa.htm)</u>. |
| 99.1\* | <u>[Unum European Holding Company Limited SAYE Share Option Scheme 2025](unm-ex991xuehclsayeshareop.htm)</u>. |
| 107.1\* | <u>[Filing Fee Table](unm-ex1071xfilingfeetable.htm)</u>. |
| \*Filed herewith. |  |

---

------

**SIGNATURES**

&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act of 1933, as amended, the Registrant certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-8 and has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Chattanooga, State of Tennessee, on the 18th day of December, 2025.

---

| | |
|:---|:---|
| **Unum Group** | |
| By: | /s/ Richard P. McKenney |
| Name: | Richard P. McKenney |
| Title: | President and Chief Executive Officer |

---

&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed below by the following persons in the capacities and on the dates indicated:

---

| | | | |
|:---|:---|:---|:---|
| **Signature** | **Signature** | **Title** | **Date** |
| /s/ Richard P. McKenney | /s/ Richard P. McKenney | President and Chief Executive Officer and Director | December 18, 2025 |
| Richard P. McKenney | Richard P. McKenney | (*Principal Executive Officer*) |  |
| /s/ Steven A. Zabel | /s/ Steven A. Zabel | Executive Vice President, Chief Financial Officer | December 18, 2025 |
| Steven A. Zabel | Steven A. Zabel | (*Principal Financial Officer*) |  |
| /s/ Walter Lynn Rice, Jr. | /s/ Walter Lynn Rice, Jr. | Senior Vice President, Chief Accounting Officer | December 18, 2025 |
| Walter Lynn Rice, Jr. | Walter Lynn Rice, Jr. | (*Principal Accounting Officer*) |  |
| \* | \* | Director |  |
| Theodore H. Bunting, Jr. | Theodore H. Bunting, Jr. |  |  |
| \* | \* | Director |  |
| Susan L. Cross | Susan L. Cross |  |  |
| \* | \* | Director |  |
| Susan D. DeVore | Susan D. DeVore |  |  |
| \* | \* | Director |  |
| Joseph J. Echevarria | Joseph J. Echevarria |  |  |
| \* | \* | Director |  |
| Cynthia L. Egan | Cynthia L. Egan |  |  |
| \* | \* | Director (Chairman of the Board of Directors) |  |
| Kevin T. Kabat | Kevin T. Kabat |  |  |
| \* | \* | Director |  |
| Timothy F. Keaney | Timothy F. Keaney |  |  |
| \* | \* | Director |  |
| Gale V. King | Gale V. King |  |  |
| \* | \* | Director |  |
| Mojgan M. Lefebvre | Mojgan M. Lefebvre |  |  |
| \* | \* | Director |  |
| Ronald P. O'Hanley | Ronald P. O'Hanley |  |  |
| \*By: | /s/ J. Paul Jullienne | For all of the non-executive Directors | December 18, 2025 |
|  | J. Paul Jullienne |  |  |
|  | *Attorney-in-Fact* |  |  |

---

## Exhibit 5.1

**<u>Exhibit 5.1</u>**

[Letterhead of Gibson, Dunn & Crutcher LLP]

December 18, 2025

Unum Group <br>1 Fountain Square

Chattanooga, Tennessee

Re:&nbsp;&nbsp;&nbsp;&nbsp;*<u>Form S-8 Registration Statement</u>*

Ladies and Gentlemen:

We have examined the Registration Statement on Form S-8 (the "Registration Statement") of Unum Group, a Delaware corporation (the "Corporation"), to be filed with the Securities and Exchange Commission (the "Commission") pursuant to the Securities Act of 1933, as amended (the "Securities Act"), in connection with the offering by the Corporation of up to 200,000 shares of the Corporation's Common Stock, par value $0.10 per share (the "Shares"), available for issuance under the Unum European Holding Company Limited SAYE Share Option Scheme 2025 (the "Plan").

In arriving at the opinions expressed below, we have examined originals, or copies certified or otherwise identified to our satisfaction as being true and complete copies of the originals, of the Plan and such other documents, corporate records, certificates of officers of the Corporation and of public officials and other instruments as we have deemed necessary or advisable to enable us to render the opinions set forth below. In our examination, we have assumed without independent investigation the genuineness of all signatures, the legal capacity and competency of all natural persons, the authenticity of all documents submitted to us as originals and the conformity to original documents of all documents submitted to us as copies. We have also assumed that there are no agreements or understandings between or among the Corporation and any participants in the Plan that would expand, modify or otherwise affect the terms of the Plan or the respective rights or obligations of the participants thereunder.

Based upon the foregoing examination and in reliance thereon, and subject to the qualifications, assumptions and limitations stated herein and in reliance on the statements of fact contained in the documents that we have examined, we are of the opinion that the Shares, when issued and sold in accordance with the terms set forth in the Plan and against payment therefor, and when the Registration Statement has become effective under the Securities Act, will be validly issued, fully paid and non-assessable.

We render no opinion herein as to matters involving the laws of any jurisdiction other than the Delaware General Corporation Law (the "DGCL"). We are not admitted to practice in the State of Delaware; however, we are generally familiar with the DGCL as currently in effect and have made such inquiries as we consider necessary to render the opinions above. This opinion is limited to the effect of the current state of the DGCL and the facts as they currently exist. We assume no obligation to revise or supplement this opinion in the event of future changes in such law or the interpretations thereof or such facts.

------

We consent to the filing of this opinion as an exhibit to the Registration Statement. In giving these consents, we do not thereby admit that we are within the category of persons whose consent is required under Section 7 of the Securities Act or the Rules and Regulations of the Commission.

Very truly yours,

/s/ Gibson, Dunn & Crutcher LLP

## Exhibit 23.2

**<u>Exhibit 23.2</u>**

**Consent of Independent Registered Public Accounting Firm**

We consent to the incorporation by reference in the Registration Statement (Form S-8) pertaining to the Unum European Holding Company Limited SAYE Share Option Scheme 2025 of our reports dated February 27, 2025, with respect to the consolidated financial statements of Unum Group and Subsidiaries, and the effectiveness of internal control over financial reporting of Unum Group and Subsidiaries, included in its Annual Report (Form 10-K) for the year ended December 31, 2024, filed with the Securities and Exchange Commission.

<u>/s/ Ernst & Young LLP</u>

Chattanooga, Tennessee

December 18, 2025

## Exhibit 24.1

**<u>Exhibit 24.1</u>**

**POWER OF ATTORNEY**

KNOW ALL PERSONS BY THESE PRESENTS, that each of the undersigned, being a director of Unum Group, a Delaware corporation (the "Company"), hereby constitutes and appoints Lisa G. Iglesias, J. Paul Jullienne, Matthew E. Bell and Christopher C. Dana, and each of them, as his or her true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for him or her and in his or her name, place and stead in any and all capacities, to sign a registration statement on Form S-8 under the Securities Act of 1933, as amended, relating to the Unum European Holding Company Limited SAYE Share Option Scheme 2025 (the "Registration Statement"), or such other form as any such attorney-in-fact and agent may deem necessary or desirable, and any and all amendments thereto (including post-effective amendments), each in such form as they or any of them may approve, and to file the same with all exhibits thereto and all other documents in connection therewith, with the Securities and Exchange Commission, granting unto said attorneys-in-fact and agents, and each of them, full power and authority to do and perform each and every act and thing requisite and necessary to be done so that such Registration Statement shall comply with the Securities Act of 1933, as amended, and the applicable rules and regulations adopted or issued pursuant thereto, as fully to all intents and purposes as he or she might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents, or any of them or their substitutes or resubstitutes, may lawfully do or cause to be done by virtue hereof.

IN WITNESS WHEREOF, the undersigned have each executed this Power of Attorney this 18th day of December, 2025.

---

| | |
|:---|:---|
| /s/ Theodore H. Bunting, Jr. | /s/ Timothy F. Keaney |
| Theodore H. Bunting, Jr. | Timothy F. Keaney |
| /s/ Susan L. Cross | /s/ Gale V. King |
| Susan L. Cross | Gale V. King |
| /s/ Susan D. DeVore | /s/ Mojgan M. Lefebvre |
| Susan D. DeVore | Mojgan M. Lefebvre |
| /s/ Joseph J. Echevarria | /s/ Richard P. McKenney |
| Joseph J. Echevarria | Richard P. McKenney |
| /s/ Cynthia L. Egan | /s/ Ronald P. O'Hanley |
| Cynthia L. Egan | Ronald P. O'Hanley |
| /s/ Kevin T. Kabat | |
| Kevin T. Kabat | |

---

## Exhibit 99.1

**<u>Exhibit 99.1</u>**

---

| |
|:---|
| **RULES OF THE UNUM EUROPEAN HOLDING** |
| **COMPANY LIMITED SAYE SHARE OPTION SCHEME** |
| **2025** |
| (Established by Unum Group on 22 May 2025) |
| HM Revenue & Customs reference: XV1100000203614 |

---

------

---

| | | |
|:---|:---|:---|
| **CONTENTS** | **CONTENTS** | **CONTENTS** |
| | | **Page** |
| 1 | **DEFINITIONS AND INTERPRETATION** | **1** |
| 2 | **INVITATIONS TO APPLY FOR OPTIONS** | **4** |
| 3 | **SCALING DOWN** | **5** |
| 4 | **GRANT OF OPTIONS** | **6** |
| 5 | **SCHEME LIMITS** | **6** |
| 6 | **RIGHTS OF EXERCISE OF OPTIONS** | **6** |
| 7 | **EXERCISE OF OPTIONS** | **8** |
| 8 | **TAKEOVERS AND LIQUIDATIONS** | **8** |
| 9 | **EXCHANGE OF OPTIONS ON A TAKEOVER** | **10** |
| 10 | **VARIATION OF SHARE CAPITAL** | **11** |
| 11 | **ADMINISTRATION** | **12** |
| 12 | **DATA PROTECTION** | **12** |
| 13 | **AMENDMENTS** | **13** |
| 14 | **RELATIONSHIP WITH CONTRACT OF EMPLOYMENT** | **13** |
| 15 | **NOTICES** | **14** |
| 16 | **GENERAL** | **15** |
| 17 | **GOVERNING LAW AND JURISDICTION** | **15** |

---

------

---

| | | |
|:---|:---|:---|
| **UNUM EUROPEAN HOLDING COMPANY LIMITED SAYE SHARE OPTION SCHEME 2025** | **UNUM EUROPEAN HOLDING COMPANY LIMITED SAYE SHARE OPTION SCHEME 2025** | **UNUM EUROPEAN HOLDING COMPANY LIMITED SAYE SHARE OPTION SCHEME 2025** |
| 1 | **DEFINITIONS AND INTERPRETATION** | **DEFINITIONS AND INTERPRETATION** |
|  | In this Scheme, the following words and expressions shall, where the context so permits, have the following meanings: | In this Scheme, the following words and expressions shall, where the context so permits, have the following meanings: |
|  | **Acquisition Price** means the price at which each Share subject to an Option may be acquired on the exercise of that Option, being (subject to Rule 10) the higher of: | **Acquisition Price** means the price at which each Share subject to an Option may be acquired on the exercise of that Option, being (subject to Rule 10) the higher of: |
|  | (a) | ninety per cent (90%) of the Market Value of a Share on the day preceding the date that the invitation to apply for that Option was issued pursuant to Rule 2; |
|  | (b) | if Shares are to be subscribed for, the nominal value of a Share; |
|  | **Adoption Date** means the later of later of the date of approval of the Scheme by shareholders of Unum Group in a general meeting and the date of its adoption by the board of Unum Group; | **Adoption Date** means the later of later of the date of approval of the Scheme by shareholders of Unum Group in a general meeting and the date of its adoption by the board of Unum Group; |
|  | **Appropriate Period** means the applicable period prescribed in paragraph 38 of Schedule 3; | **Appropriate Period** means the applicable period prescribed in paragraph 38 of Schedule 3; |
|  | **Associated Company** has the meaning given to it in paragraph 47 of Schedule 3; | **Associated Company** has the meaning given to it in paragraph 47 of Schedule 3; |
|  | **Auditors** means the auditors for the time being of Unum Group (acting as experts and not as arbitrators); | **Auditors** means the auditors for the time being of Unum Group (acting as experts and not as arbitrators); |
|  | **Bonus** means any sum payable by way of bonus under a Savings Contract being the additional payment made by the nominated Savings Authority when repaying contributions under a Savings Contract and: | **Bonus** means any sum payable by way of bonus under a Savings Contract being the additional payment made by the nominated Savings Authority when repaying contributions under a Savings Contract and: |
|  | (a) | **"Three-Year Bonus"** shall mean the Bonus payable under a Three-Year Savings Contract; |
|  | (b) | **"Five-Year Bonus"** shall mean the Bonus payable on the first date on which a Bonus is payable under a Five-Year Savings Contract; |
|  | **Bonus Date** means the earliest date on which the relevant Bonus is payable: | **Bonus Date** means the earliest date on which the relevant Bonus is payable: |
|  | (a) | under a Three-Year Savings Contract following 36 monthly payments; or |
|  | (b) | under a Five-Year Savings Contract following 60 monthly payments; |
|  | **Constituent Company** means Unum Group and any other company which is for the time being nominated by the board of Unum Group to be a Constituent Company being a company that is under the Control of Unum Group; | **Constituent Company** means Unum Group and any other company which is for the time being nominated by the board of Unum Group to be a Constituent Company being a company that is under the Control of Unum Group; |
|  | **Control** has the meaning given by section 719 ITEPA; | **Control** has the meaning given by section 719 ITEPA; |
|  | **Controller** has the meaning given to it in the UK GDPR; | **Controller** has the meaning given to it in the UK GDPR; |
|  | **Date of Grant** means, in relation to any Option, the date on which the Option granted pursuant to the Rules; | **Date of Grant** means, in relation to any Option, the date on which the Option granted pursuant to the Rules; |
|  | **Dealing Day** means any day on which the investment exchange on which the Shares are listed and/or traded is open for the transaction of business; | **Dealing Day** means any day on which the investment exchange on which the Shares are listed and/or traded is open for the transaction of business; |
|  | **Eligible Employee** means: | **Eligible Employee** means: |
|  | (a) | any employee of any Constituent Company (other than a director), or |

---

 1

------

---

| | | |
|:---|:---|:---|
| (b) | any director of any Constituent Company who normally devotes 25 hours or more per week (excluding meal breaks) to their duties; | any director of any Constituent Company who normally devotes 25 hours or more per week (excluding meal breaks) to their duties; |
| in each case who: | in each case who: | in each case who: |
|  | i. | on the day preceding the date of issue of the relevant invitations pursuant to Rule 2.1 been such an employee or director for the Qualifying Period, and; |
|  | ii. | is chargeable to tax in respect of that office or employment under section 15 of ITEPA; or |
| (c) | any other director or employee of any Constituent Company whom the board of UEHCL may in its discretion and from time to time nominate; | any other director or employee of any Constituent Company whom the board of UEHCL may in its discretion and from time to time nominate; |
| **Foreign Company Reorganisation** has the meaning given to it in Rule 8.6; | **Foreign Company Reorganisation** has the meaning given to it in Rule 8.6; | **Foreign Company Reorganisation** has the meaning given to it in Rule 8.6; |
| **HMRC** means His Majesty's Revenue & Customs; | **HMRC** means His Majesty's Revenue & Customs; | **HMRC** means His Majesty's Revenue & Customs; |
| **Human Capital Committee** means the committee of the same name (or any successor name) comprised of independent directors of the board of Unum Group from time to time; | **Human Capital Committee** means the committee of the same name (or any successor name) comprised of independent directors of the board of Unum Group from time to time; | **Human Capital Committee** means the committee of the same name (or any successor name) comprised of independent directors of the board of Unum Group from time to time; |
| **ITEPA** means the Income Tax (Earnings and Pensions) Act 2003; | **ITEPA** means the Income Tax (Earnings and Pensions) Act 2003; | **ITEPA** means the Income Tax (Earnings and Pensions) Act 2003; |
| **Key Feature** means a provision of this Scheme which is necessary in order to meet the requirements of Parts 2 to 7 of Schedule 3; | **Key Feature** means a provision of this Scheme which is necessary in order to meet the requirements of Parts 2 to 7 of Schedule 3; | **Key Feature** means a provision of this Scheme which is necessary in order to meet the requirements of Parts 2 to 7 of Schedule 3; |
| **Market Value** means in relation to a Share on any day: | **Market Value** means in relation to a Share on any day: | **Market Value** means in relation to a Share on any day: |
| (a) | if shares of the same class as the Shares are not listed on the New York Stock Exchange or other recognised stock exchange (within the meaning of section 1005 of the Income Tax Act 2007), the market value as determined in accordance with Part VIII of the Taxation of Chargeable Gains Act 1992 and agreed in advance for the purposes of this Scheme with HMRC Shares and Assets Valuation; or | if shares of the same class as the Shares are not listed on the New York Stock Exchange or other recognised stock exchange (within the meaning of section 1005 of the Income Tax Act 2007), the market value as determined in accordance with Part VIII of the Taxation of Chargeable Gains Act 1992 and agreed in advance for the purposes of this Scheme with HMRC Shares and Assets Valuation; or |
| (b) | if the Shares are listed on the New York Stock Exchange or other recognised investment or stock exchange, closing market quotation of the New York Stock Exchange, as reported in the Wall Street Journal, for the Dealing Day preceding the relevant date of invitation to apply for the Option to acquire such Shares issued pursuant to Rule 2; | if the Shares are listed on the New York Stock Exchange or other recognised investment or stock exchange, closing market quotation of the New York Stock Exchange, as reported in the Wall Street Journal, for the Dealing Day preceding the relevant date of invitation to apply for the Option to acquire such Shares issued pursuant to Rule 2; |
| provided that the Market Value of a share subject to a restriction shall be determined as if it were not subject to such restrictions; | provided that the Market Value of a share subject to a restriction shall be determined as if it were not subject to such restrictions; | provided that the Market Value of a share subject to a restriction shall be determined as if it were not subject to such restrictions; |
| **Maximum Contribution** means the maximum permitted aggregate Monthly Contribution which may be made under all Savings Contracts linked to Options granted to a participant under this Scheme or any other savings-related share option scheme notified to HMRC under Schedule 3, being the lesser of: | **Maximum Contribution** means the maximum permitted aggregate Monthly Contribution which may be made under all Savings Contracts linked to Options granted to a participant under this Scheme or any other savings-related share option scheme notified to HMRC under Schedule 3, being the lesser of: | **Maximum Contribution** means the maximum permitted aggregate Monthly Contribution which may be made under all Savings Contracts linked to Options granted to a participant under this Scheme or any other savings-related share option scheme notified to HMRC under Schedule 3, being the lesser of: |
| (a) | £500 per month (or, the amount otherwise specified in paragraph 25(3)(a) of Schedule 3); | £500 per month (or, the amount otherwise specified in paragraph 25(3)(a) of Schedule 3); |
| (b) | such other maximum as may be determined from time to time by the board of UEHCL; | such other maximum as may be determined from time to time by the board of UEHCL; |
| **Monthly Contribution** means the monthly savings contribution (being a multiple of £1 and no less than £10) agreed to be paid by an Option Holder under their Savings Contract; | **Monthly Contribution** means the monthly savings contribution (being a multiple of £1 and no less than £10) agreed to be paid by an Option Holder under their Savings Contract; | **Monthly Contribution** means the monthly savings contribution (being a multiple of £1 and no less than £10) agreed to be paid by an Option Holder under their Savings Contract; |

---

 2

------

---

| | |
|:---|:---|
| | **Option** means a right to acquire Shares by purchase or subscription granted (whether by UEHCL or a third party) to an Eligible Employee pursuant to this Scheme; |
| | **Option Holder** means an Eligible Employee to whom an Option has been granted under this Scheme, or (where applicable), that Eligible Employee's personal representatives; |
| | **Option Certificate** means a certificate issued to an Option Holder in respect of any Option setting out the terms of the Option; |
| | **Personal Data** has the meaning given to it in the UK GDPR; |
| | **Qualifying Period** means a period of continuous employment with a Constituent Company (including with that company before it became a Constituent Company), not exceeding five years ending on the Date of Grant, determined pursuant to Rule 2.2; |
| | **Rules** means these rules, as amended from time to time, and 'Rule' shall be construed accordingly; |
| | **Savings Authority** means the building society, bank or Department of National Savings recognised by the board of UEHCL from time to time for the purpose of receiving Monthly Contributions under Savings Contracts; |
| | **Savings Contract** means a contract under a certified SAYE savings arrangement (within the meaning of section 703 of the Income Tax (Trading and Other Income) Act 2005) approved by HMRC for the purpose of Schedule 3 and "Three-Year Savings Contract" and "Five-Year Savings Contract" shall be construed accordingly; |
| | **SAYE Option Scheme** means a Schedule 3 SAYE option scheme as defined in paragraph 1 of Schedule 3; |
| | **Schedule 3** means Schedule 3 to ITEPA; |
| | **Scheme** means the Unum European Holding Company Limited SAYE Share Option Scheme 2025 constituted and governed by these Rules, as from time to time amended; |
| | **Share** means common stock in the capital of Unum Group which satisfy the conditions specified in paragraphs 18 to 22 inclusive of Schedule 3; |
| | **Subsisting Option** means an Option which has neither lapsed nor been exercised; |
| | **UK GDPR** means Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data as implemented into UK law by virtue of section 3 of the European Union (Withdrawal) Act 2018; and |
| | **UEHCL** means Unum European Holding Company Limited a company incorporated in England and Wales under registered number 02461639 whose registered office is at Milton Court, Dorking, Surrey, England, RH4 3LZ; |
| | **Unum Group** means Unum Group, a Delaware general business corporation whose principal executive offices are at 1 Fountain Square, Chattanooga, Tennessee 37402, United States of America, and including any delegates of Unum Group as may be set forth in this Scheme. |
| 1.1 | Expressions not otherwise defined in these Rules shall have the meanings given to them in Schedule 3. |

---

 3

------

---

| | | | |
|:---|:---|:---|:---|
| 1.2 | For the avoidance of doubt, any action or discretion permitted or required to be exercised by the board of directors of UEHCL may be delegated to an authorised member or members of senior management of UEHCL under the supervision and guidance of the board of UEHCL and any reference to an action or discretion of the board of directors of UEHCL shall be read to refer to such delegated actions or authority. | For the avoidance of doubt, any action or discretion permitted or required to be exercised by the board of directors of UEHCL may be delegated to an authorised member or members of senior management of UEHCL under the supervision and guidance of the board of UEHCL and any reference to an action or discretion of the board of directors of UEHCL shall be read to refer to such delegated actions or authority. | For the avoidance of doubt, any action or discretion permitted or required to be exercised by the board of directors of UEHCL may be delegated to an authorised member or members of senior management of UEHCL under the supervision and guidance of the board of UEHCL and any reference to an action or discretion of the board of directors of UEHCL shall be read to refer to such delegated actions or authority. |
| 1.3 | In this Scheme, unless otherwise specified: | In this Scheme, unless otherwise specified: | In this Scheme, unless otherwise specified: |
|  | 1.3.1 | headings are inserted for ease of reference only and do not affect the interpretation of the Scheme; | headings are inserted for ease of reference only and do not affect the interpretation of the Scheme; |
|  | 1.3.2 | words in the singular include the plural and vice versa; | words in the singular include the plural and vice versa; |
|  | 1.3.3 | a reference to a gender includes the other genders; and | a reference to a gender includes the other genders; and |
|  | 1.3.4 | a reference to a legislative provision includes any legislative modification, amendment or re-enactment of that provision for the time being in force. | a reference to a legislative provision includes any legislative modification, amendment or re-enactment of that provision for the time being in force. |
| 2 | **INVITATIONS TO APPLY FOR OPTIONS** | **INVITATIONS TO APPLY FOR OPTIONS** | **INVITATIONS TO APPLY FOR OPTIONS** |
| 2.1 | The board of UEHCL may (in accordance with any resolution or other instructions from the Human Capital Committee) invite all Eligible Employees to apply for the grant of Options at any time, but in doing so must have regard to any governance or regulatory restrictions that might apply to both the issue of the invitation and the period within which the Option may subsequently be granted. Such invitations shall be made on similar terms to all Eligible Employees at such times as the board of UEHCL shall direct. | The board of UEHCL may (in accordance with any resolution or other instructions from the Human Capital Committee) invite all Eligible Employees to apply for the grant of Options at any time, but in doing so must have regard to any governance or regulatory restrictions that might apply to both the issue of the invitation and the period within which the Option may subsequently be granted. Such invitations shall be made on similar terms to all Eligible Employees at such times as the board of UEHCL shall direct. | The board of UEHCL may (in accordance with any resolution or other instructions from the Human Capital Committee) invite all Eligible Employees to apply for the grant of Options at any time, but in doing so must have regard to any governance or regulatory restrictions that might apply to both the issue of the invitation and the period within which the Option may subsequently be granted. Such invitations shall be made on similar terms to all Eligible Employees at such times as the board of UEHCL shall direct. |
| 2.2 | Invitations shall be made in writing and shall include details of the following matters which shall be determined by the board of UEHCL in accordance with any resolution or other instructions from the Human Capital Committee: | Invitations shall be made in writing and shall include details of the following matters which shall be determined by the board of UEHCL in accordance with any resolution or other instructions from the Human Capital Committee: | Invitations shall be made in writing and shall include details of the following matters which shall be determined by the board of UEHCL in accordance with any resolution or other instructions from the Human Capital Committee: |
|  | 2.2.1 | the Acquisition Price at which each Share may be acquired on the exercise of an Option granted in response to the application; | the Acquisition Price at which each Share may be acquired on the exercise of an Option granted in response to the application; |
|  | 2.2.2 | the latest date by which applications must be received, being neither earlier than 14 days nor later than 21 days after the date of the invitations; | the latest date by which applications must be received, being neither earlier than 14 days nor later than 21 days after the date of the invitations; |
|  | 2.2.3 | the Qualifying Period (if any); | the Qualifying Period (if any); |
|  | 2.2.4 | the Maximum Contribution; | the Maximum Contribution; |
|  | 2.2.5 | whether the applicable Savings Contract is: | whether the applicable Savings Contract is: |
|  |  | (a) | a Three-Year Savings Contract; |
|  |  | (b) | a Five-Year Savings Contract; or |
|  |  | (c) | either a Three-Year Savings Contract or a Five-Year Savings Contract, as the applicant shall select. |
|  | 2.2.6 | whether or not the Shares may be subject to any restrictions (as defined in paragraph 48(3) of Schedule 3) and if they are, the details of the restrictions; and | whether or not the Shares may be subject to any restrictions (as defined in paragraph 48(3) of Schedule 3) and if they are, the details of the restrictions; and |
|  | 2.2.7 | that the maximum permitted aggregate monthly savings contribution for that invitation and any other Savings Contracts linked to an option granted under the Scheme or any other SAYE Option Scheme will be £500 (or the amount otherwise specified in accordance with Schedule 3, paragraph 25); | that the maximum permitted aggregate monthly savings contribution for that invitation and any other Savings Contracts linked to an option granted under the Scheme or any other SAYE Option Scheme will be £500 (or the amount otherwise specified in accordance with Schedule 3, paragraph 25); |
| 2.3 | Each invitation shall be accompanied by an application form pursuant to which an applicant: | Each invitation shall be accompanied by an application form pursuant to which an applicant: | Each invitation shall be accompanied by an application form pursuant to which an applicant: |
|  | 2.3.1 | agrees to the terms and conditions of the offer, including but not limited to the incorporation (by reference) of the Rules and the Savings Contract; and | agrees to the terms and conditions of the offer, including but not limited to the incorporation (by reference) of the Rules and the Savings Contract; and |

---

 4

------

---

| | | | |
|:---|:---|:---|:---|
| | 2.3.2 | is required to enter into an election form confirming the Monthly Contribution the applicant wishes to make under the related Savings Contract. | is required to enter into an election form confirming the Monthly Contribution the applicant wishes to make under the related Savings Contract. |
| 2.4 | An application form may be in any format (including via a digital online portal) provided always that such an application form shall provide for the applicant to state: | An application form may be in any format (including via a digital online portal) provided always that such an application form shall provide for the applicant to state: | An application form may be in any format (including via a digital online portal) provided always that such an application form shall provide for the applicant to state: |
|  | 2.4.1 | the Monthly Contribution (being a multiple of £1 and not less than £10) which the applicant wishes to make under the related Savings Contract; | the Monthly Contribution (being a multiple of £1 and not less than £10) which the applicant wishes to make under the related Savings Contract; |
|  | 2.4.2 | that the applicant's proposed Monthly Contribution (when taken together with any Monthly Contribution the applicant makes under any other Savings Contract linked to an Option granted to the applicant under this Scheme or any other SAYE Option Scheme) will not exceed the Maximum Contribution specified in the invitation; and | that the applicant's proposed Monthly Contribution (when taken together with any Monthly Contribution the applicant makes under any other Savings Contract linked to an Option granted to the applicant under this Scheme or any other SAYE Option Scheme) will not exceed the Maximum Contribution specified in the invitation; and |
|  | 2.4.3 | if the board of UEHCL has determined that an applicant may select either a Three-Year Savings Contract or a Five-Year Savings Contract, the applicant's selection in that respect. | if the board of UEHCL has determined that an applicant may select either a Three-Year Savings Contract or a Five-Year Savings Contract, the applicant's selection in that respect. |
| 2.5 | Each application shall provide that, in the event of scaling down in accordance with Rule 3, Unum Group is authorised by the applicant to modify the application to apply such scaling down. | Each application shall provide that, in the event of scaling down in accordance with Rule 3, Unum Group is authorised by the applicant to modify the application to apply such scaling down. | Each application shall provide that, in the event of scaling down in accordance with Rule 3, Unum Group is authorised by the applicant to modify the application to apply such scaling down. |
| 2.6 | Each application shall be deemed to be for an Option over the largest whole number of Shares as can be acquired at the Acquisition Price with the expected repayment under the related Savings Contract at the appropriate Bonus Date. | Each application shall be deemed to be for an Option over the largest whole number of Shares as can be acquired at the Acquisition Price with the expected repayment under the related Savings Contract at the appropriate Bonus Date. | Each application shall be deemed to be for an Option over the largest whole number of Shares as can be acquired at the Acquisition Price with the expected repayment under the related Savings Contract at the appropriate Bonus Date. |
| 3 | **SCALING DOWN** | **SCALING DOWN** | **SCALING DOWN** |
| 3.1 | To the extent that valid applications are received in excess of any maximum number of Shares which may be determined by the board of Unum Group or, in the absence of any such determination after the effective date of this Scheme, the limit in Rule 5, including any reductions provided for therein, applications shall be scaled down to the extent necessary in one of the following ways as may be determined at the relevant time: | To the extent that valid applications are received in excess of any maximum number of Shares which may be determined by the board of Unum Group or, in the absence of any such determination after the effective date of this Scheme, the limit in Rule 5, including any reductions provided for therein, applications shall be scaled down to the extent necessary in one of the following ways as may be determined at the relevant time: | To the extent that valid applications are received in excess of any maximum number of Shares which may be determined by the board of Unum Group or, in the absence of any such determination after the effective date of this Scheme, the limit in Rule 5, including any reductions provided for therein, applications shall be scaled down to the extent necessary in one of the following ways as may be determined at the relevant time: |
|  | 3.1.1 | in the event that the applicable Savings Contracts are Five-Year Savings Contracts or applicants are permitted to select Five-Year Savings Contracts: | in the event that the applicable Savings Contracts are Five-Year Savings Contracts or applicants are permitted to select Five-Year Savings Contracts: |
|  |  | (a) | by treating all Five-Year Savings Contracts as Three-Year Savings Contracts; and then so far as necessary; |
|  |  | (b) | first by reducing pro rata the proposed monthly contributions in excess of £10 and then, so far as necessary selecting by lot; or |
|  | 3.1.2 | alternatively, by reducing pro rata the proposed Monthly Contributions in excess of £10 and then, so far as necessary, selecting by lot. | alternatively, by reducing pro rata the proposed Monthly Contributions in excess of £10 and then, so far as necessary, selecting by lot. |
| 3.2 | Each application shall be deemed to have been modified or withdrawn in accordance with the application of the foregoing provisions and each election form referred to at Rule 2.3.2 shall be amended to apply any reduction in Monthly Contributions resulting therefrom. | Each application shall be deemed to have been modified or withdrawn in accordance with the application of the foregoing provisions and each election form referred to at Rule 2.3.2 shall be amended to apply any reduction in Monthly Contributions resulting therefrom. | Each application shall be deemed to have been modified or withdrawn in accordance with the application of the foregoing provisions and each election form referred to at Rule 2.3.2 shall be amended to apply any reduction in Monthly Contributions resulting therefrom. |
| 4 | **GRANT OF OPTIONS** | **GRANT OF OPTIONS** | **GRANT OF OPTIONS** |
| 4.1 | No later than 30 days (or 42 days in the event that applications are scaled down under Rule 3) after the day by reference to which the Acquisition Price was fixed, UEHCL shall, in accordance with any resolution or other instructions of the Human Capital Committee, grant to each applicant who is still at the Date of Grant an Eligible Employee and is not precluded from participation in this Scheme by virtue of paragraph 10 of Schedule 3 an Option over the number of Shares for which, pursuant to Rule 2.6 and subject to Rule 3 he is deemed to have applied. | No later than 30 days (or 42 days in the event that applications are scaled down under Rule 3) after the day by reference to which the Acquisition Price was fixed, UEHCL shall, in accordance with any resolution or other instructions of the Human Capital Committee, grant to each applicant who is still at the Date of Grant an Eligible Employee and is not precluded from participation in this Scheme by virtue of paragraph 10 of Schedule 3 an Option over the number of Shares for which, pursuant to Rule 2.6 and subject to Rule 3 he is deemed to have applied. | No later than 30 days (or 42 days in the event that applications are scaled down under Rule 3) after the day by reference to which the Acquisition Price was fixed, UEHCL shall, in accordance with any resolution or other instructions of the Human Capital Committee, grant to each applicant who is still at the Date of Grant an Eligible Employee and is not precluded from participation in this Scheme by virtue of paragraph 10 of Schedule 3 an Option over the number of Shares for which, pursuant to Rule 2.6 and subject to Rule 3 he is deemed to have applied. |

---

 5

------

---

| | | |
|:---|:---|:---|
| 4.2 | For the purposes of this Rule 4, the grant of any Option shall be subject to obtaining any approval or consent required by law or any regulator or any other relevant regulation or enactment. | For the purposes of this Rule 4, the grant of any Option shall be subject to obtaining any approval or consent required by law or any regulator or any other relevant regulation or enactment. |
| 4.3 | As soon as is practicable after having granted an Option to an Eligible Employee, UEHCL shall issue or cause to be issued to that Eligible Employee an Option Certificate in respect of such Option. | As soon as is practicable after having granted an Option to an Eligible Employee, UEHCL shall issue or cause to be issued to that Eligible Employee an Option Certificate in respect of such Option. |
| 4.4 | The Option Certificate shall be in a form not inconsistent with these Rules and shall state: | The Option Certificate shall be in a form not inconsistent with these Rules and shall state: |
|  | 4.4.1 | the Date of Grant of the Option; |
|  | 4.4.2 | the Acquisition Price payable for each Share under the Option; and |
|  | 4.4.3 | the statement referred to in Rule 4.6. |
| 4.5 | Subject to the right of an Option Holder's personal representatives to exercise an Option as provided in Rule 6.3, every Option shall be personal to the Eligible Employee to whom it is granted and shall not be capable of being transferred, assigned or charged. Any purported transfer, assignment or charge shall cause the Option to lapse immediately. Each Option Certificate shall carry a statement to this effect. | Subject to the right of an Option Holder's personal representatives to exercise an Option as provided in Rule 6.3, every Option shall be personal to the Eligible Employee to whom it is granted and shall not be capable of being transferred, assigned or charged. Any purported transfer, assignment or charge shall cause the Option to lapse immediately. Each Option Certificate shall carry a statement to this effect. |
| 4.6 | An Option Holder shall not be required to pay any cash amount in consideration for the grant of an Option. | An Option Holder shall not be required to pay any cash amount in consideration for the grant of an Option. |
| 5 | **SCHEME LIMITS** | **SCHEME LIMITS** |
| 5.1 | The maximum number of Shares which may be allocated for subscription or purchase under this Scheme shall not exceed 200,000 (two hundred thousand) Shares of Unum Group's issued common stock, as adjusted pursuant to Rule 10 below, if applicable. | The maximum number of Shares which may be allocated for subscription or purchase under this Scheme shall not exceed 200,000 (two hundred thousand) Shares of Unum Group's issued common stock, as adjusted pursuant to Rule 10 below, if applicable. |
| 5.2 | For the purpose of the limit contained in Rule 5.1: | For the purpose of the limit contained in Rule 5.1: |
|  | 5.2.1 | any Shares which are already in issue when placed under Option; and |
|  | 5.2.2 | any Shares comprised in any Option which is exercised, |
|  | shall be included for the purpose of calculating the number of Shares under option as well as the number of Shares available for placing under Option. For the avoidance of doubt, any Shares granted under an option that has lapsed without exercise (in whole or in part) shall be excluded for the purpose of calculating the number of Shares under Option as well as the number of Shares available for placing under Option, for the purpose of the limit contained in Rule 5.1. | shall be included for the purpose of calculating the number of Shares under option as well as the number of Shares available for placing under Option. For the avoidance of doubt, any Shares granted under an option that has lapsed without exercise (in whole or in part) shall be excluded for the purpose of calculating the number of Shares under Option as well as the number of Shares available for placing under Option, for the purpose of the limit contained in Rule 5.1. |
| 5.3 | The board of UEHCL in accordance with any resolution or other instructions from the Human Capital Committee, before the issue of invitations on any occasion, may determine a limit on the number of Shares that are to be available in respect of that invitation. | The board of UEHCL in accordance with any resolution or other instructions from the Human Capital Committee, before the issue of invitations on any occasion, may determine a limit on the number of Shares that are to be available in respect of that invitation. |
| 5.4 | No Option shall be granted to an Eligible Employee if the Monthly Contribution under the related Savings Contract would, when added to the Monthly Contributions then being made under any other Savings Contract, exceed the maximum specified in paragraph 25 of Schedule 3. | No Option shall be granted to an Eligible Employee if the Monthly Contribution under the related Savings Contract would, when added to the Monthly Contributions then being made under any other Savings Contract, exceed the maximum specified in paragraph 25 of Schedule 3. |
| 6 | **RIGHTS OF EXERCISE OF OPTIONS** | **RIGHTS OF EXERCISE OF OPTIONS** |
| 6.1 | Save as provided | Save as provided |
|  | 6.1.1 | in Rules 6.3, 6.4 and 6.5 and subject to Rule 7 an Option may be exercised only during the period commencing with the Bonus Date under the related Savings Contract; and |

---

 6

------

---

| | | | |
|:---|:---|:---|:---|
| | 6.1.2 | in Rules 6.3.1 and 6.3.2, an Option may not be exercised after the expiry of the period of six months following the relevant Bonus Date. | in Rules 6.3.1 and 6.3.2, an Option may not be exercised after the expiry of the period of six months following the relevant Bonus Date. |
| 6.2 | Save as provided in Rules 6.3 and 6.4, an Option may only be exercised by an Option Holder while he is a director or employee of a Constituent Company or an Associated Company of a Constituent Company. | Save as provided in Rules 6.3 and 6.4, an Option may only be exercised by an Option Holder while he is a director or employee of a Constituent Company or an Associated Company of a Constituent Company. | Save as provided in Rules 6.3 and 6.4, an Option may only be exercised by an Option Holder while he is a director or employee of a Constituent Company or an Associated Company of a Constituent Company. |
| 6.3 | An Option may be exercised by the personal representatives of a deceased Option Holder: | An Option may be exercised by the personal representatives of a deceased Option Holder: | An Option may be exercised by the personal representatives of a deceased Option Holder: |
|  | 6.3.1 | during the period of one year following the date of the Option Holder's death if such death occurs before the Bonus Date; or | during the period of one year following the date of the Option Holder's death if such death occurs before the Bonus Date; or |
|  | 6.3.2 | during the period of one year following the Bonus Date if the Option Holder's death occurs within the period of six months after the Bonus Date. | during the period of one year following the Bonus Date if the Option Holder's death occurs within the period of six months after the Bonus Date. |
| 6.4 | If an Option Holder ceases to be an Eligible Employee by reason of: | If an Option Holder ceases to be an Eligible Employee by reason of: | If an Option Holder ceases to be an Eligible Employee by reason of: |
|  | 6.4.1 | injury or disability (evidenced to the satisfaction of UEHCL); or | injury or disability (evidenced to the satisfaction of UEHCL); or |
|  | 6.4.2 | redundancy (within the meaning of the Employment Rights Act 1996 or Employment Rights (Northern Ireland) Order 1996); or | redundancy (within the meaning of the Employment Rights Act 1996 or Employment Rights (Northern Ireland) Order 1996); or |
|  | 6.4.3 | retirement; or | retirement; or |
|  | 6.4.4 | a relevant transfer within the meaning of the Transfer of Undertakings (Protection of Employment) Regulations 2006; or | a relevant transfer within the meaning of the Transfer of Undertakings (Protection of Employment) Regulations 2006; or |
|  | 6.4.5 | the company by which the Option Holder is employed ceasing to be under the Control of Unum Group; or | the company by which the Option Holder is employed ceasing to be under the Control of Unum Group; or |
|  | 6.4.6 | the circumstances described in paragraph 34(2)(d) of Schedule 3; or | the circumstances described in paragraph 34(2)(d) of Schedule 3; or |
|  | 6.4.7 | provided more than three years have elapsed since the relevant Date of Grant: | provided more than three years have elapsed since the relevant Date of Grant: |
|  |  | (a) | early retirement by agreement with the Option Holder's employer; or |
|  |  | (b) | pregnancy, and for the purposes of this Scheme, a woman who leaves employment due to pregnancy or confinement will be regarded as having left such employment on the earlier of the date she notifies the relevant Constituent Company of her intention not to return and the last day of the 52 week period of maternity leave; or |
|  |  | (c) | where an individual gives notification that they will not be returning from parental leave (within the meaning of the Employment Relations Act 1999), |
|  | the Option may be exercised within the period of six months following such cessation provided that if at a Bonus Date an Option Holder has ceased to hold any office or employment with a Constituent Company but holds an office or employment within an Associated Company or a company under the Control of Unum Group that Option Holder may exercise an Option within six months of that Bonus Date. | the Option may be exercised within the period of six months following such cessation provided that if at a Bonus Date an Option Holder has ceased to hold any office or employment with a Constituent Company but holds an office or employment within an Associated Company or a company under the Control of Unum Group that Option Holder may exercise an Option within six months of that Bonus Date. | the Option may be exercised within the period of six months following such cessation provided that if at a Bonus Date an Option Holder has ceased to hold any office or employment with a Constituent Company but holds an office or employment within an Associated Company or a company under the Control of Unum Group that Option Holder may exercise an Option within six months of that Bonus Date. |
| 6.5 | An Option shall lapse on the occurrence of the earliest of the following: | An Option shall lapse on the occurrence of the earliest of the following: | An Option shall lapse on the occurrence of the earliest of the following: |
|  | 6.5.1 | subject to Rule 6.5.2, the expiry of the period of six months following the Bonus Date; or | subject to Rule 6.5.2, the expiry of the period of six months following the Bonus Date; or |
|  | 6.5.2 | where the Option Holder has died, the expiry of the period during which the Option may be exercised in accordance with Rules 6.3.1 or 6.3.2; or | where the Option Holder has died, the expiry of the period during which the Option may be exercised in accordance with Rules 6.3.1 or 6.3.2; or |
|  | 6.5.3 | subject to Rule 9, the expiry of any of the applicable periods specified in Rules 6.3 and 6.4 and Rules 8.1, 8.3 and 8.4 but where an Option Holder dies while time is running under Rule 6.4, the Option shall not lapse until the expiry of the relevant period in Rule 6.3.1 or 6.3.2; or | subject to Rule 9, the expiry of any of the applicable periods specified in Rules 6.3 and 6.4 and Rules 8.1, 8.3 and 8.4 but where an Option Holder dies while time is running under Rule 6.4, the Option shall not lapse until the expiry of the relevant period in Rule 6.3.1 or 6.3.2; or |
|  | 6.5.4 | the date on which an Option Holder ceases to be a director or employee of any Constituent Company or any Associated Company of Unum Group for any reason other than the death of the relevant Option Holder or those specified in Rule 6.4; or | the date on which an Option Holder ceases to be a director or employee of any Constituent Company or any Associated Company of Unum Group for any reason other than the death of the relevant Option Holder or those specified in Rule 6.4; or |

---

 7

------

---

| | | |
|:---|:---|:---|
| | 6.5.5 | the date which is six months after the date on which a resolution is passed by either or both of Unum Group or UEHCL, or an order is made by an appropriate court having jurisdiction over Unum Group or UEHCL, or both, as the case may be (a "Court"), for the compulsory winding up of either or both of Unum Group or UEHCL; or |
| | 6.5.6 | the date on which the Option Holder becomes bankrupt or does or omits to do anything as a result of which he is deprived of the legal or beneficial ownership of the Option. |
| 6.6 | No person shall be treated for the purposes of this Rule 6 as ceasing to be a director or employee of a Constituent Company until that person no longer holds an office or employment with any Constituent Company or Associated Company of Unum Group. | No person shall be treated for the purposes of this Rule 6 as ceasing to be a director or employee of a Constituent Company until that person no longer holds an office or employment with any Constituent Company or Associated Company of Unum Group. |
| 6.7 | No person, including the Constituent Company or Associated Company, shall be under any obligation to notify an Option Holder that an Option is due to lapse. | No person, including the Constituent Company or Associated Company, shall be under any obligation to notify an Option Holder that an Option is due to lapse. |
| 6.8 | For the avoidance of doubt, when an Option lapses it shall cease and determine, and shall be incapable of being exercised, released or in any other way used to the benefit of the Option Holder. | For the avoidance of doubt, when an Option lapses it shall cease and determine, and shall be incapable of being exercised, released or in any other way used to the benefit of the Option Holder. |
| 7 | **EXERCISE OF OPTIONS** | **EXERCISE OF OPTIONS** |
| 7.1 | No Option may be exercised at any time when the Shares which may thereby be acquired do not satisfy the conditions specified in paragraph 18 to 22 of Schedule 3. | No Option may be exercised at any time when the Shares which may thereby be acquired do not satisfy the conditions specified in paragraph 18 to 22 of Schedule 3. |
| 7.2 | An Option may only be exercised with monies not exceeding the amount of repayment (including any Bonus or interest) made under the related Savings Contract. For this purpose, repayment under the Savings Contract shall exclude the repayment of any Monthly Contribution the due date for payment of which falls more than one month after the date on which repayment is made. | An Option may only be exercised with monies not exceeding the amount of repayment (including any Bonus or interest) made under the related Savings Contract. For this purpose, repayment under the Savings Contract shall exclude the repayment of any Monthly Contribution the due date for payment of which falls more than one month after the date on which repayment is made. |
| 7.3 | Save as otherwise provided in this Scheme, an Option shall be exercisable in whole or in part by notice in writing (in the form prescribed by UEHCL) given by the Option Holder (or the Option Holder's personal representatives, as the case may be) to UEHCL. The notice of exercise of the Option shall be accompanied by confirmation of that the Acquisition Price payable shall be satisfied by the transfer from the Savings Contract. | Save as otherwise provided in this Scheme, an Option shall be exercisable in whole or in part by notice in writing (in the form prescribed by UEHCL) given by the Option Holder (or the Option Holder's personal representatives, as the case may be) to UEHCL. The notice of exercise of the Option shall be accompanied by confirmation of that the Acquisition Price payable shall be satisfied by the transfer from the Savings Contract. |
| 7.4 | Within 30 days of receipt of a notice of exercise, UEHCL shall procure the allotment or procure the transfer of the Shares in respect of which the Option has been validly exercised and shall ensure the book-entry transfer of such Shares to the account of the Option Holder at Unum Group's designated broker, unless UEHCL considers that such allotment or transfer would not be lawful in the relevant jurisdiction. | Within 30 days of receipt of a notice of exercise, UEHCL shall procure the allotment or procure the transfer of the Shares in respect of which the Option has been validly exercised and shall ensure the book-entry transfer of such Shares to the account of the Option Holder at Unum Group's designated broker, unless UEHCL considers that such allotment or transfer would not be lawful in the relevant jurisdiction. |
| 7.5 | Shares allotted under this Scheme shall rank pari passu in all respects with the Shares of the same class for the time being in issue save as regards any rights attaching to such Shares by reference to a record date prior to the date of allotment and, in the case of a transfer of existing Shares, the transferee shall not acquire any rights attaching to such Shares by reference to a record date prior to the date of such transfer. | Shares allotted under this Scheme shall rank pari passu in all respects with the Shares of the same class for the time being in issue save as regards any rights attaching to such Shares by reference to a record date prior to the date of allotment and, in the case of a transfer of existing Shares, the transferee shall not acquire any rights attaching to such Shares by reference to a record date prior to the date of such transfer. |
| 7.6 | When an Option is exercised only in part, it shall lapse to the extent of the unexercised balance. | When an Option is exercised only in part, it shall lapse to the extent of the unexercised balance. |
| 7.7 | If and so long as the Shares are listed on The New York Stock Exchange, Unum Group shall apply to The New York Stock Exchange for any Shares allotted under this Scheme to be listed on the New York Stock Exchange. | If and so long as the Shares are listed on The New York Stock Exchange, Unum Group shall apply to The New York Stock Exchange for any Shares allotted under this Scheme to be listed on the New York Stock Exchange. |

---

 8

------

---

| | | |
|:---|:---|:---|
| 8 | **TAKEOVERS AND LIQUIDATIONS** | **TAKEOVERS AND LIQUIDATIONS** |
| 8.1 | If any person obtains Control of Unum Group as a result of making: | If any person obtains Control of Unum Group as a result of making: |
|  | 8.1.1 | a general offer to acquire the whole of the issued common stock of Unum Group which is made on a condition such that it is satisfied the person making the offer will have Control of the company for which it made the general offer; or |
|  | 8.1.2 | a general offer to acquire all the shares in Unum Group which are the same class as the Shares, |
|  | then any Subsisting Option may be exercised within six months of the time when the person making the offer has obtained Control of Unum Group and any condition subject to which the offer is made has been satisfied. For the purposes of this Rule 8.1 a person shall be deemed to have obtained Control of Unum Group if that person and others acting in concert with that person have together obtained Control of it. | then any Subsisting Option may be exercised within six months of the time when the person making the offer has obtained Control of Unum Group and any condition subject to which the offer is made has been satisfied. For the purposes of this Rule 8.1 a person shall be deemed to have obtained Control of Unum Group if that person and others acting in concert with that person have together obtained Control of it. |
| 8.2 | In Rule 8.1, references to the issued common stock of Unum Group does not include any common stock already held by the person making the offer or a person connected with that person and references to shares in the Unum Group does not include any shares in the Unum Group already held by the person making the offer or a person connected with that person. It does not matter, for the purposes of Rule 8.1 if the general offer is made to different persons by different means. | In Rule 8.1, references to the issued common stock of Unum Group does not include any common stock already held by the person making the offer or a person connected with that person and references to shares in the Unum Group does not include any shares in the Unum Group already held by the person making the offer or a person connected with that person. It does not matter, for the purposes of Rule 8.1 if the general offer is made to different persons by different means. |
| 8.3 | If, under sections 899 or 901F of the Companies Act 2006 or relevant equivalent legislation in the United States of America, a Court sanctions a compromise or arrangement proposed for the purposes of or in connection with a scheme for the reconstruction of Unum Group or its amalgamation with any other company or companies, any Subsisting Option may be exercised upon a Court sanctioning such compromise or arrangement, or within six months of a Court sanctioning such compromise or arrangement. | If, under sections 899 or 901F of the Companies Act 2006 or relevant equivalent legislation in the United States of America, a Court sanctions a compromise or arrangement proposed for the purposes of or in connection with a scheme for the reconstruction of Unum Group or its amalgamation with any other company or companies, any Subsisting Option may be exercised upon a Court sanctioning such compromise or arrangement, or within six months of a Court sanctioning such compromise or arrangement. |
| 8.4 | If any person becomes bound or entitled to acquire Shares in Unum Group under sections 979 to 982 or 983 to 985 of the Companies Act 2006 or relevant equivalent legislation in the United States of America any Subsisting Option may be exercised at any time when that person remains so bound or entitled. | If any person becomes bound or entitled to acquire Shares in Unum Group under sections 979 to 982 or 983 to 985 of the Companies Act 2006 or relevant equivalent legislation in the United States of America any Subsisting Option may be exercised at any time when that person remains so bound or entitled. |
| 8.5 | If a Foreign Company Reorganisation is effected which is applicable to or affects: | If a Foreign Company Reorganisation is effected which is applicable to or affects: |
|  | 8.5.1 | all the issued common stock of Unum Group or all the shares of the same class as the Shares; or |
|  | 8.5.2 | all the shares, or all the shares of that same class, which are held by a class of shareholders identified other than by reference to their employments or directorships or their participation in a Schedule 3 SAYE option scheme (as defined in Paragraph 40A of Schedule 3); |
|  | then any Subsisting Option may be exercised within six months of the date on which the Foreign Company Reorganisation becomes binding on the shareholders or stockholders covered by it. | then any Subsisting Option may be exercised within six months of the date on which the Foreign Company Reorganisation becomes binding on the shareholders or stockholders covered by it. |
| 8.6 | For the purposes of Rule 8.5, a "Foreign Company Reorganisation" is an arrangement made in relation to a company under the law of a territory outside the United Kingdom: | For the purposes of Rule 8.5, a "Foreign Company Reorganisation" is an arrangement made in relation to a company under the law of a territory outside the United Kingdom: |
|  | 8.6.1 | which gives effect to a reorganisation of the company's share capital by the consolidation of shares of different classes, or by the division of shares into shares of different classes or by both of these methods; and |
|  | 8.6.2 | which is approved by a resolution of the members of the relevant company in circumstances where the members voting in favour of approving the arrangement represent more than 50% of the total voting rights of all the members having the right to vote on the issue. |

---

 9

------

---

| | | |
|:---|:---|:---|
| 8.7 | If Unum Group passes a resolution for voluntary winding up, any Subsisting Option may be exercised within six months of the passing of the resolution. | If Unum Group passes a resolution for voluntary winding up, any Subsisting Option may be exercised within six months of the passing of the resolution. |
| 8.8 | If a change of Control occurs in the circumstances described in Rule 8.1 or as a result of an event specified in Rule 8.3, 8.4 or 8.5 and, as a result of the change of Control, Shares will no longer satisfy the requirements of Part 4 of Schedule 3, Options may be exercised with the period of 20 days following the change of Control. If the Option is not exercised, the Option will lapse on the expiry of 20 days following the change of Control. | If a change of Control occurs in the circumstances described in Rule 8.1 or as a result of an event specified in Rule 8.3, 8.4 or 8.5 and, as a result of the change of Control, Shares will no longer satisfy the requirements of Part 4 of Schedule 3, Options may be exercised with the period of 20 days following the change of Control. If the Option is not exercised, the Option will lapse on the expiry of 20 days following the change of Control. |
| 8.9 | If the board of Unum Group reasonably expects an event as described in either of Rules 8.1, 8.3, 8.4 or 8.5 to occur, it may make arrangements permitting Options to be exercised for a period of 20 days ending with that event. If an Option is exercised under this Rule, it will be treated as having been exercised in accordance with either Rule 8.1, 8.3, 8.4 or 8.5, as appropriate. If the board of Unum Group makes arrangements for the exercise of Options under this Rule 8.9 in respect of an event, then unless the board determines otherwise any Option not exercised in accordance with those arrangements will lapse on the date of the relevant event, and if the relevant event does not occur within 20 days of the date of purported exercise, the Option shall be treated as not having been exercised. | If the board of Unum Group reasonably expects an event as described in either of Rules 8.1, 8.3, 8.4 or 8.5 to occur, it may make arrangements permitting Options to be exercised for a period of 20 days ending with that event. If an Option is exercised under this Rule, it will be treated as having been exercised in accordance with either Rule 8.1, 8.3, 8.4 or 8.5, as appropriate. If the board of Unum Group makes arrangements for the exercise of Options under this Rule 8.9 in respect of an event, then unless the board determines otherwise any Option not exercised in accordance with those arrangements will lapse on the date of the relevant event, and if the relevant event does not occur within 20 days of the date of purported exercise, the Option shall be treated as not having been exercised. |
| 9 | **EXCHANGE OF OPTIONS ON A TAKEOVER** | **EXCHANGE OF OPTIONS ON A TAKEOVER** |
| 9.1 | Notwithstanding the provisions of Rule 8, if any company ("the Acquiring Company") obtains Control of Unum Group or becomes bound or entitled to acquire shares in Unum Group within any of the sets of circumstances specified in Rules 8.1, 8.4, 8.5 and 8.6, any Option Holder may at any time within the Appropriate Period, by agreement with the Acquiring Company, release each Subsisting Option ("the Old Option") in consideration of the grant to the Option Holder of a new Option ("the New Option") which satisfies the conditions that it: | Notwithstanding the provisions of Rule 8, if any company ("the Acquiring Company") obtains Control of Unum Group or becomes bound or entitled to acquire shares in Unum Group within any of the sets of circumstances specified in Rules 8.1, 8.4, 8.5 and 8.6, any Option Holder may at any time within the Appropriate Period, by agreement with the Acquiring Company, release each Subsisting Option ("the Old Option") in consideration of the grant to the Option Holder of a new Option ("the New Option") which satisfies the conditions that it: |
|  | 9.1.1 | is over shares in the Acquiring Company or some other company falling within paragraph 39(2)(b) of Schedule 3, which satisfy the conditions specified in paragraphs 18 to 22 inclusive of Schedule 3; |
|  | 9.1.2 | is a right to acquire such number of such shares as has on acquisition of the New Option an aggregate market value equal to the aggregate market value of the Shares subject to the Old Option immediately before its release; |
|  | 9.1.3 | has an Acquisition Price per share such that the aggregate price payable on the complete exercise of the New Option equals the aggregate price which would have been payable on complete exercise of the Old Option; and |
|  | 9.1.4 | is otherwise identical in terms to the Old Option. |
|  | Where any New Options are granted pursuant to this Rule 9.1 they shall be regarded for the purposes of the subsequent application of the provisions of this Scheme as having been granted at the time when the corresponding Old Options were granted and, with effect from the date on which the New Options are granted, Rules 6, 7, 8, 9, 10, 16.2, 14.1 an, 15.1 (and, in relation to expressions used in those Rules, Rule 1) of this Scheme shall, in relation to the New Options, be construed as if references to Unum Group and to the Shares were references to the Acquiring Company and to shares in the Acquiring Company or, as the case may be, to the other company to whose shares the New Options relate and to the shares in that other company, but references to Constituent Company shall continue to be construed as defined herein. | Where any New Options are granted pursuant to this Rule 9.1 they shall be regarded for the purposes of the subsequent application of the provisions of this Scheme as having been granted at the time when the corresponding Old Options were granted and, with effect from the date on which the New Options are granted, Rules 6, 7, 8, 9, 10, 16.2, 14.1 an, 15.1 (and, in relation to expressions used in those Rules, Rule 1) of this Scheme shall, in relation to the New Options, be construed as if references to Unum Group and to the Shares were references to the Acquiring Company and to shares in the Acquiring Company or, as the case may be, to the other company to whose shares the New Options relate and to the shares in that other company, but references to Constituent Company shall continue to be construed as defined herein. |

---

 10

------

---

| | | |
|:---|:---|:---|
| 9.2 | For the purpose of Rule 9.1.2, the relevant market values shall be determined using a methodology agreed with HM Revenue & Customs, and without reference to any restrictions (as defined in paragraph 48(3) of Schedule 3) to which the relevant Shares may be subject. | For the purpose of Rule 9.1.2, the relevant market values shall be determined using a methodology agreed with HM Revenue & Customs, and without reference to any restrictions (as defined in paragraph 48(3) of Schedule 3) to which the relevant Shares may be subject. |
| 9.3 | As soon as practicable after having granted the New Option in accordance with the provisions of Rule 9.1 the Acquiring Company shall issue an Option Certificate in respect of such Option or shall procure that such an Option Certificate is issued. The Option Certificate shall state: | As soon as practicable after having granted the New Option in accordance with the provisions of Rule 9.1 the Acquiring Company shall issue an Option Certificate in respect of such Option or shall procure that such an Option Certificate is issued. The Option Certificate shall state: |
| 9.4 | Unum Group will remain the scheme organiser (as defined in paragraph 2(2) of Schedule 3) following the release of the Old Options and the grant of any New Options. | Unum Group will remain the scheme organiser (as defined in paragraph 2(2) of Schedule 3) following the release of the Old Options and the grant of any New Options. |
| 9.5 | Where in accordance with Rule 9.1 Subsisting Options are released and New Options granted, the New Option shall not be exercisable in accordance with Rules 8.1 to 8.5 by virtue of the event by reason of which the New Options were granted. | Where in accordance with Rule 9.1 Subsisting Options are released and New Options granted, the New Option shall not be exercisable in accordance with Rules 8.1 to 8.5 by virtue of the event by reason of which the New Options were granted. |
| 10 | **VARIATION OF SHARE CAPITAL** | **VARIATION OF SHARE CAPITAL** |
| 10.1 | In the event of any capitalisation, consolidation, sub-division, reorganization or reduction of the share capital of Unum Group and in respect of any discount element in any rights issue or any other variation in the share capital of Unum Group: | In the event of any capitalisation, consolidation, sub-division, reorganization or reduction of the share capital of Unum Group and in respect of any discount element in any rights issue or any other variation in the share capital of Unum Group: |
|  | 10.1.1 | the number and description (but not the class) of Shares or other securities comprised in an Option; |
|  | 10.1.2 | their Acquisition Price; and |
|  | 10.1.3 | where an Option has been exercised but no Shares have been allotted or transferred in satisfaction of such exercise, the number and description (but not the class) of Shares or other securities to be so allotted or transferred and their Acquisition Price, |
|  | shall be varied in such manner as the board of Unum Group determines to be appropriate and (save in the event of a capitalisation) the Auditors shall confirm in writing to be in their opinion fair and reasonable, provided: | shall be varied in such manner as the board of Unum Group determines to be appropriate and (save in the event of a capitalisation) the Auditors shall confirm in writing to be in their opinion fair and reasonable, provided: |
|  | 10.1.4 | that no variation shall be made which would result in the Acquisition Price for an allotted Share being less than its nominal value; |
|  | 10.1.5 | that the total Market Value of Shares is subject to the Option is substantially the same immediately after the variation or variations as it was immediately before the variation or variations; |
|  | 10.1.6 | that the total Acquisition Price immediately after the variation or variations is substantially the same as it was immediately before the variation or variations; |
|  | 10.1.7 | the aggregate amount payable on the exercise of an Option in full is neither materially changed nor is increased beyond the expected repayment under the Savings Contract at the appropriate Bonus Date; and |
|  | 10.1.8 | following the adjustment the Shares continue to satisfy the conditions specified in paragraphs 18 to 22 of Schedule 3. |

---

 11

------

---

| | | |
|:---|:---|:---|
| 10.2 | The board of Unum Group may take such steps as it may consider necessary to notify Option Holders of any adjustments made under Rule 10.1 and to call in, cancel, endorse, issue or re-issue any Option Certificate consequent upon such adjustment. | The board of Unum Group may take such steps as it may consider necessary to notify Option Holders of any adjustments made under Rule 10.1 and to call in, cancel, endorse, issue or re-issue any Option Certificate consequent upon such adjustment. |
| 11 | **ADMINISTRATION** | **ADMINISTRATION** |
| 11.1 | The Scheme shall be administered by UEHCL, under the direction of the board of Unum Group, provided that in the event of any dispute or disagreement as to the interpretation of the Scheme or any question or right arising from or in relation to the Scheme such a matter shall be referred to the board of Unum Group whose decision shall be final and binding in all matters relating to the Scheme (other than in the case of matters to be determined or confirmed by the Auditors pursuant to the rules of the Scheme). | The Scheme shall be administered by UEHCL, under the direction of the board of Unum Group, provided that in the event of any dispute or disagreement as to the interpretation of the Scheme or any question or right arising from or in relation to the Scheme such a matter shall be referred to the board of Unum Group whose decision shall be final and binding in all matters relating to the Scheme (other than in the case of matters to be determined or confirmed by the Auditors pursuant to the rules of the Scheme). |
| 11.2 | The board of Unum Group shall have power from time to time to make and vary such regulations (not being inconsistent with this Scheme) for the implementation and administration of this Scheme as they think fit. | The board of Unum Group shall have power from time to time to make and vary such regulations (not being inconsistent with this Scheme) for the implementation and administration of this Scheme as they think fit. |
| 11.3 | As of the Adoption Date, the board of Unum Group has delegated its powers and authorities under this Scheme to the Human Capital Committee, provided always that the board of Unum Group may at any time alter or withdraw such delegation or delegate any or all such powers and authorities to any other committee, person, or entity, provided that any such delegation is made in accordance with applicable law. Where the board of Unum Group has so delegated some or all of its powers and authorities under the Scheme, such a delegate shall have the authority and/or responsibility to act or refrain from any action assigned under these Rules to the Board of Directors of Unum Group in accordance the terms of such delegated authority. | As of the Adoption Date, the board of Unum Group has delegated its powers and authorities under this Scheme to the Human Capital Committee, provided always that the board of Unum Group may at any time alter or withdraw such delegation or delegate any or all such powers and authorities to any other committee, person, or entity, provided that any such delegation is made in accordance with applicable law. Where the board of Unum Group has so delegated some or all of its powers and authorities under the Scheme, such a delegate shall have the authority and/or responsibility to act or refrain from any action assigned under these Rules to the Board of Directors of Unum Group in accordance the terms of such delegated authority. |
| 11.4 | The costs of establishing, operating and administering this Scheme shall be borne by UEHCL and any other Constituent Company in such proportion as the board of Unum Group shall determine. | The costs of establishing, operating and administering this Scheme shall be borne by UEHCL and any other Constituent Company in such proportion as the board of Unum Group shall determine. |
| 11.5 | Unum Group, UEHCL or any other Constituent Company shall not be obliged to provide Eligible Employees or Option Holders with copies of any notices circulars or other documents sent to stockholders of Unum Group. | Unum Group, UEHCL or any other Constituent Company shall not be obliged to provide Eligible Employees or Option Holders with copies of any notices circulars or other documents sent to stockholders of Unum Group. |
| 12 | **DATA PROTECTION** | **DATA PROTECTION** |
| 12.1 | Personal Data of each Option Holder: | Personal Data of each Option Holder: |
|  | 12.1.1 | may be collected, held, used, transferred and processed by Unum Group, UEHCL, any other Constituent Company and any administrator of this Scheme in order to grant Options and operate and administer this Scheme; |
|  | 12.1.2 | shall be collected, held, used, transferred or processed by Unum Group, UEHCL and any other Constituent Company as Controller(s) in accordance with the privacy notice which can be found on the intranet of the Unum group of companies at Inside>People Hub UK; and |
|  | 12.1.3 | shall be processed in accordance with the privacy notice of the relevant administrator of the Scheme in the event that such an administrator processes the Personal Data in the capacity of Controller in order to administer or otherwise operate this Scheme. |

---

 12

------

---

| | | |
|:---|:---|:---|
| 13 | **AMENDMENTS** | **AMENDMENTS** |
| 13.1 | The Rules may be amended in any respect by resolution of the board of Unum Group provided that: | The Rules may be amended in any respect by resolution of the board of Unum Group provided that: |
|  | 13.1.1 | where any alteration is to the material advantage of Eligible Employees or Option Holders or would increase the limit specified in Rule 5.1, it will not be effective without the prior approval of shareholders of Unum Group; |
|  | 13.1.2 | where any amendment would abrogate or adversely affect the subsisting rights of Option Holders it will not be effective unless such amendment is approved by the board of Unum Group; and |
|  | 13.1.3 | where there is an amendment to a Key Feature, the board of Unum Group must comply, or procure that UEHCL complies, with the requirement of paragraph 40B(6) of Schedule 3 to make a declaration in the annual return to HMRC for the relevant tax year that the requirements of Parts 2 to 7 of Schedule 3 are met in relation to this Scheme. |
|  | except that any minor amendment or addition which the board of Unum Group consider necessary or desirable in order to: | except that any minor amendment or addition which the board of Unum Group consider necessary or desirable in order to: |
|  | 13.1.4 | benefit the administration of this Scheme; or |
|  | 13.1.5 | comply with or take account of the provisions or any proposed or existing legislation; or |
|  | 13.1.6 | take account of any of the events mentioned in Rule 10; or |
|  | 13.1.7 | obtain or maintain favourable tax or regulatory treatment (by, from or with respect to any taxing or revenue authority) for Unum Group, UEHCL or any other Constituent Company or any Option Holder, |
|  | may be made by resolution of the board of Unum Group, or if authorised by the board of Unum Group, the board of UEHCL, provided that such amendments or additions do not affect a Key Feature of this Scheme. | may be made by resolution of the board of Unum Group, or if authorised by the board of Unum Group, the board of UEHCL, provided that such amendments or additions do not affect a Key Feature of this Scheme. |
| 13.2 | Written notice of any material amendments to this Scheme, meaning for purposes of this Rule 13 any amendment to a Key Feature, shall be given to all Option Holders by UEHCL within a reasonable time after any such amendment is approved. | Written notice of any material amendments to this Scheme, meaning for purposes of this Rule 13 any amendment to a Key Feature, shall be given to all Option Holders by UEHCL within a reasonable time after any such amendment is approved. |
| 14 | **RELATIONSHIP WITH CONTRACT OF EMPLOYMENT** | **RELATIONSHIP WITH CONTRACT OF EMPLOYMENT** |
| 14.1 | Notwithstanding any other provisions of this Scheme: | Notwithstanding any other provisions of this Scheme: |
|  | 14.1.1 | this Scheme shall not form part of any contract of employment or agreement for service or services between any Constituent Company and any employee or officer of any such company and the rights and obligations of any individual under the terms of their office or employment with any Constituent Company shall not be affected by their participation in this Scheme or any right which that individual may have to participate in it and this Scheme shall afford such an individual no additional rights to compensation or damages in consequence of the termination of such office or employment for any reason whatsoever nor any right to continued employment or office; |

---

 13

------

---

| | | |
|:---|:---|:---|
| | 14.1.2 | the benefit to an Option Holder of participation in the Scheme (including in particular but not by way of limitation, any Options held by the Option Holder) shall not form any part of remuneration or count as remuneration of the Option Holder for the purpose of any pension or other benefit scheme operated by Unum Group, UEHCL or any Constituent Company or any Associated Company of Unum Group; |
| | 14.1.3 | this Scheme shall not confer on any person any legal or equitable rights (other than those constituting the Options themselves) against any Constituent Company directly or indirectly, or give rise to any cause of action at law or in equity against any Constituent Company; |
| | 14.1.4 | no Option Holder shall be entitled to any compensation or damages for any loss or potential loss which the Option Holder may suffer by reason of being unable to exercise an Option in consequence of the loss or termination of the Option Holder's office or employment (whether the office or employment is terminated lawfully or unlawfully) with any Constituent Company for any reason whatsoever, whether by way of damages for unfair dismissal, wrongful dismissal, breach of contract or otherwise; and |
| | 14.1.5 | the issuing of an invitation and the grant of an Option does not imply that any further invitations or grants will be made nor that the Option Holder has a right to receive an invitation or be granted an Option, and nor that the terms on which an invitation is issued will be repeated on the same terms. |
| 15 | **NOTICES** | **NOTICES** |
| 15.1 | All notices to be provided by any Eligible Employee or Option Holder or any representative thereof shall be delivered or sent to UEHCL at its registered office and shall be effective upon receipt. | All notices to be provided by any Eligible Employee or Option Holder or any representative thereof shall be delivered or sent to UEHCL at its registered office and shall be effective upon receipt. |
| 15.2 | Save as otherwise provided in this Scheme any notice or communication to be given to any Eligible Employee or Option Holder, may be personally delivered, sent by electronic means, uploaded to a digital online portal generally accessible to such eligible Employees and Option Holders, or sent by ordinary post to the Option Holder's last known address. | Save as otherwise provided in this Scheme any notice or communication to be given to any Eligible Employee or Option Holder, may be personally delivered, sent by electronic means, uploaded to a digital online portal generally accessible to such eligible Employees and Option Holders, or sent by ordinary post to the Option Holder's last known address. |
| 15.3 | A notice delivered personally shall be deemed to have been received upon the earlier of delivery in person, acceptance or refusal to accept such communication. | A notice delivered personally shall be deemed to have been received upon the earlier of delivery in person, acceptance or refusal to accept such communication. |
| 15.4 | Where a notice or communication is sent by post it shall be deemed to have been received 48 hours after the same was put into the post properly addressed and stamped. | Where a notice or communication is sent by post it shall be deemed to have been received 48 hours after the same was put into the post properly addressed and stamped. |
| 15.5 | Where a notice is sent electronically or uploaded to a digital online portal as described herein, the notice shall be deemed to have been received upon sending or uploading, as the case may be. Option Certificates or share certificates may be delivered via a digital online portal or sent by ordinary post to the last known address of the Eligible Employee or Option Holder concerned. | Where a notice is sent electronically or uploaded to a digital online portal as described herein, the notice shall be deemed to have been received upon sending or uploading, as the case may be. Option Certificates or share certificates may be delivered via a digital online portal or sent by ordinary post to the last known address of the Eligible Employee or Option Holder concerned. |
| 15.6 | Where a notice or communication is sent by post it shall be deemed to have been received 48 hours after the same was put into the post properly addressed and stamped. | Where a notice or communication is sent by post it shall be deemed to have been received 48 hours after the same was put into the post properly addressed and stamped. |
| 15.7 | Option Certificates and other communications sent by post will be sent at the risk of the Eligible Employee or Option Holder concerned and neither Unum Group, UEHCL or any Constituent Company shall have any liability whatsoever to any such person in respect of any notification, document, Option Certificate or share certificate or other communication so given, sent to made. | Option Certificates and other communications sent by post will be sent at the risk of the Eligible Employee or Option Holder concerned and neither Unum Group, UEHCL or any Constituent Company shall have any liability whatsoever to any such person in respect of any notification, document, Option Certificate or share certificate or other communication so given, sent to made. |

---

 14

------

---

| | |
|:---|:---|
| 16 | **GENERAL** |
| 16.1 | This Scheme shall commence upon the Adoption Date and shall (unless previously terminated by a resolution of the board of Unum Group) terminate upon the expiry of the period of 10 years from the Adoption Date. Upon termination (howsoever occurring) no further Options may be granted but such termination shall be without prejudice to any accrued rights in existence at the date thereof. |
| 16.2 | Unum Group will at all times keep available sufficient authorised and unissued Shares or shall ensure that sufficient Shares will be available from its treasury stock or otherwise, to satisfy the exercise to the full extent still possible of all Subsisting Options, taking account of any other obligations of Unum Group to issue Shares. |
| 17 | **GOVERNING LAW AND JURISDICTION** |
|  | These Rules and all resulting Options granted under the Rules along with any dispute or claim arising out of, or in connection with them, their subject matter or formation shall be governed by, and construed in accordance with, the laws of England and Wales. The parties irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of, or in connection with, these Rules, their subject matter or formation. |

---

 15

## Ex-Filing

**<u>Exhibit 107.1</u>**

**Calculation of Filing Fee Tables**

**FORM S-8**

(Form Type)

**UNUM GROUP**

(Exact Name of Registrant as Specified in its Charter)

<u>Table 1: Newly Registered Securities</u> ****

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Security Type** | **Security Class Title (1)** | **Fee Calculation Rule (2)** | **Amount Registered (1)** | **Proposed Maximum<br>Offering Price Per Unit** | **Maximum<br>Aggregate<br>Offering Price** | **Fee Rate** | **Amount of<br>Registration Fee (3)** |
| Equity | Common stock, par value $0.10 per share | Rule 457(c) and Rule 457(h) | 200000 | $75.59 | $15118000 | $138.10 per $1,000,000 | $2087.80 |
| **Total Offering Amounts** | **Total Offering Amounts** | **Total Offering Amounts** | **Total Offering Amounts** |  | $15118000 |  | $2087.80 |
| **Total Fee Offsets** | **Total Fee Offsets** | **Total Fee Offsets** | **Total Fee Offsets** |  |  |  | $— |
| **Net Fee Due** | **Net Fee Due** | **Net Fee Due** | **Net Fee Due** |  |  |  | $2087.80 |

---

(1)&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to Rule 416(a) under the Securities Act of 1933, as amended (the "Securities Act"), this Registration Statement on Form S-8 shall also cover such indeterminate number of additional shares of common stock, par value $0.10 per share, of the Registrant (the "Common Stock") as may become issuable to prevent dilution in the event of stock splits, stock dividends or similar transactions pursuant to the terms of the Unum European Holding Company Limited SAYE Share Option Scheme 2025.

(2)&nbsp;&nbsp;&nbsp;&nbsp;Estimated solely for the purpose of calculating the registration fee pursuant to Rules 457(c) and (h) of the Securities Act, and based on the average of the high and low prices per share of the Common Stock, as quoted on the New York Stock Exchange, on December 11, 2025, which date is within five business days prior to filing this Registration Statement.

(3)&nbsp;&nbsp;&nbsp;&nbsp;Rounded up to the nearest penny.

<br>