GROUPAMA / 2018 Registration document

4 CORPORATE SOCIAL RESPONSIBILITY (CSR) GROUPAMA CSR POLICY 4.1 Throughout its history, Groupama’s values of proximity, engagement,performance,and solidarity have driven its pursuit of customer satisfaction and its response to economic, social, and environmental expectations, as indicated by our purpose expressed in 2018: We are here to allow as many people as possible build their lives confidently. To do this, we rely on humane, caring, responsiblecommunities. Rooted in the territories, the Groupama group is attentive to its environmentand has a long-term vision forits actions. We believe the CSR approach is a key factor in our employees’ commitment and motivation, in innovation, operational efficiency and the reinforcement of the quality of our relationship with external and internal audiences. The Group has adopted a CSR plan for 2016-2018.Its objective is to mobilise the entire Group around CSR with high added value to serve the Group’s strategic challenges. The plan was constructed through a collaborative approach, involving the coordinators and departmentsof the companies,with the ambition of further rooting CSR in the Group’s everyday activities. The 2018 review confirms the Group’s progress in CSR. The CSR strategy is based on four commitmentpriorities: Implementing extensive responsibility as an employer ❯ For a number of years, beyond the quality social status (social protection, employee savings, etc.), Groupama has made many commitmentsas a responsibleemployerin line with the social issues of CSR, such as professional equality, non-discrimination and promotionof diversity, employmentof workers with disabilitiesand quality of life at work, while at the same time increasingemployees’ commitment levels. This momentumcontinues at the Group level and within the companies, strengthening the recruitment of new profiles and the employabilityand adaptability of employees, in a contentof strongdevelopmentof digital.The biannualGroupOpinion Surveyassesseschangesin the level of employeeengagement(76% in 2018, +3 points compared with 2016, with a remarkable participation rateof 78%). Acting as a responsible,long-termpartner of our customers ❯ and members As a pioneering group with strong brands, Groupama develops insurance and financial products and services that respond to society’s major issues, such as mobility, support for entrepreneurship,risks related to digital, incentives for responsible behaviour, management of sustainable social protection (retirement, health), problems related to the ageing of the population (assistance, long-term care) and asset management incorporating environmental (including the climate), social, and governance criteria (ESG). Today, Groupama is committed to going further in the integrationof societal factors into the design of GROUPAMA CSR POLICY

its offerings by using innovation. In addition to offerings, the goal is to continue to develop a responsible relationship based on long-term advice, transparency, accessibility, services and a complete prevention policy – safety of property and people, healthcare, prevention of weather risks, etc. – and deployed as local actions, meeting our customerswhere they are, whether they are private customers, professionals (including in agriculture), companies, orlocal authorities. Strengtheningour contribution to the development of the ❯ territoriesand the progressof communityorganisationsand associations Proximity is at the heart of Groupama’s operations, through its decentralisedorganisation and its businesses firmly established in the regions. They enable an ongoing dialogue between elected representatives, members and customers, employees and stakeholders. Beyond the local prevention actions, the Group’s companies are fully committed, particularly through partnerships, to support for the development of economic initiative in the territories andto verymany solidarityactions. For nearly 20 years, Groupama has thus contributed, in conjunction the Groupama Health Foundation, to the fight against rare diseases (research support, information about rare diseases and support for patients). This is one of Groupama’s three public health priorities, along with the fight against cancer and Alzheimer’s disease. Since its creation, the Foundation has supportedmore than 30 researchersand hundredsof projects and associations. In collaboration with the regional mutuals, we are highlighting our support for research – including medico-social research – and further mobilising our elected representatives and employees around this commitment. A Rare Disease Research Prize, worth €500K, was launched in 2017. A social innovation prize is awarded eachyear. Acting forthe environment ❯ We have initiated actions to emphasise the reduction of our environmental footprint. We are thus continuing our efforts and decreasingour CO 2 (-7% between2013 and 2018) through energy efficiency and economical use of resources (energy and paper consumption, travel, etc.). Groupama is fully aware of its responsibility in terms of indirect impacts and, as such, has developed actions over several years supporting the eco-responsibilityof its customers and suppliers, via its innovative insurance and financial offerings (behavioural pricing, renewable energies insurance, SRI products, etc.), preventionand awareness actions, and its procurement contracts. The same is true for the investment policy for limiting climate change and the development of our forest assets, which represents a carbon sink of more than 10 million tonnes.

76 REGISTRATION DOCUMENT 2018 - GROUPAMA ASSURANCES MUTUELLES