SUSTAINABILITY POLICY

1. Guidelines regarding sustainability risks

In accordance with the Regulation on Disclosure of Information on Sustainability in the Financial Services Sector ('SFDR' - Sustainable Financial Disclosure Regulation), our office takes sustainability risks into account when providing advice for insurance policies with an investment component, insofar as this information is made available by the insurance company.

The SFDR has defined sustainability risk as “an environmental (E), social (S) or governance (G) event or condition that, if it occurs, could cause an actual or potential material adverse effect on the value of the investment.”

In the context of advice for insurance policies with an investment component, the remuneration policy applicable in our office does not encourage taking excessive risks in connection with sustainability risks.

2. Adverse effects on sustainability factors

The SFDR has defined sustainability factors as 'environmental, social and employment matters, respect for human rights, and the fight against corruption and bribery'.

The legal framework regarding sustainability factors and adverse effects of investment decisions on sustainability factors is currently incomplete and will therefore evolve in the coming months and years.

Our office therefore currently does not take into account the unfavorable effects of investment decisions on sustainability factors in its insurance advice for insurance policies with an investment component.

Our office will review this policy as the legal framework is further developed.