GROUPAMA / 2018 Registration document

4 CORPORATE SOCIAL RESPONSIBILITY (CSR) GROUPAMA’S 2018 EXTRA-FINANCIAL PERFORMANCE REVIEW With regard to employees, communication/awareness efforts continued in the Group’s companies through various actions. During the European Sustainable Development Week (ESDW, June 2018),informationabout the Group’s annual CSR review and messages about economical use of resources were again distributed, particularly in the form of a serious CSR game, CiviTime (2,800 eco-friendly actions carried out). Badge recognition for printer use allows for more reasonable print management. The use of remote dialogue/meeting tools made available to employeesof the companies –Hub Agile and Vydio (at the workstation) –allows travel to bereduced. With regard to insurance, the prevention of environmental and climatic risks is thus fully integrated into the process for analysing and underwriting risks of professionals (including in agriculture), companies,and local authoritiesin order to help avoid or reducethe consequencesof impactsof claims. For example,in the agricultural multi-riskoffer, a score (on the preventionof risks of environmental harmand fire) has been put in place to recognisethe effortsmade in these areas and permits a reduction/discountof the insurance premium(such as the presenceof a retentionbasin on hydrocarbon tanksor firefighting equipment, for the risk of heat pollution). With regard to property assets, in anticipation of the 2015 Energy Transition Act, Groupama Immobilier (a subsidiary of Groupama Assurances Mutuelles that manages for its principals an asset base valued at €3.2 billion (1) ) signed the charter for energy efficiency of commercial buildings in 2014. In 2018, the subsidiary also signed the charter for the Development of Biodiversity in the City. As part of the ISO 14001 certification, Groupama Immobilier undertook the carbon calculation of its activities as well as the managedassets. Groupama Immobilier putseveral actions inplace: establishment of an energy mapping of commercial buildings ❯ consuming themost energy; establishment of a programme for energy and water metering ❯ and consolidation of these data in a SaaS, including consumption by building users. The scope concerns 65 commercial buildings in its asset base heritage in order to develop energy and water conservation strategies for the asset base (Deepki programme). This allows Groupama Immobilier to anticipate future regulations on the aspects; a new Environmental Works charter, which sets out all its ❯ environmentalstrategiesfor all workscarriedout for the managed asset base. Implementation is handled as part of renovation projects by all the environmental project management service providers, the Project Manager, the technical studies firm, the companies,etc. The GreenWorks Environmentalcharter informs contractors of the significance of the impact of works on the environmentand implementsan environmentalpolicy in line with the GrenelleI and II laws.

As much as possible, HQE (High Environmental Quality) and BREEAM initiatives always sought for acquisitions and/or new construction or restructuring as well as “operating” HQE or BREEAM for all commercial properties in the portfolio. The environmental certification rate is 22% (in area) for commercial buildings managedin 2018. In corporate real estate, all new signed leases are “green”, i.e. , each Party commits to an action programme regarding consumption (energy and water). Within this framework, energy diagnostics and periodic meetings, called “green committees”, have begun to be initiatedwith tenants. In addition, for three years, GroupamaImmobilierhas developednew tools and approachesto disseminate and share responsible attitudes (green booklet, welcomebooklet, etc.). Groupama Immobilier’s environmental strategy is described in “2015-2018 Sustainable Prospects”, which presents the 12 indicators monitored for commercial property. The subsidiary’s contributionto a sustainablecity is maintaining its property assets, mainly in Paris, by respecting their history but also by innovating during their revaluation as part of responsible management. This document for 2019-2021 is being drafted. In addition, our Datacenter IT centres in Bourges and Mordelles monitor the good practicesof the Green Grid, and a majority of our companies have carried out their BEGES (greenhouse gas emissions assessments). Regarding protection of the environment, our employees are regularly informed of environmentalissues, particularly through the European Sustainable Development Week, the existence of a manual of environmentally friendly actions in the office and the distribution of an Eco Pass Responsible Events charter allowing internal communicators to organise their events with the greatest respect for the environment. One-off actions supplement these recommendations, such as campaigns to raise awareness of eco-driving orthe establishment of car-pooling in certain entities. Note that the three new buildings of Groupama Campus in Nanterre were restored in 2017-2018 as part of a renovation project using the HQE ® approach (June 2015 reference standard) and BREEAM ( e.g. LED lighting with presence detection including for 2/3 of the parking lights, optimisedwater management,etc.). In terms of operatingproperty, the next Campus buildings (WP6) and new works willbe in line with this dynamic.

Circular economy (b) Prevention and management of waste

The Group’s service business activities do not directly generate waste or pollution other than office waste. However, we wish to make progress in the recycling of such waste, particularly through selective sorting, already effective in several entities of the Group (in 2017-2018,the campus, Bordeaux, andAstorg sites).

Assessmentcampaign at 31 December 2018. (1)

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REGISTRATION DOCUMENT 2018 - GROUPAMA ASSURANCES MUTUELLES