GROUPAMA / 2018 Registration document

4 CORPORATE SOCIAL RESPONSIBILITY (CSR) GROUPAMA’S 2018 EXTRA-FINANCIAL PERFORMANCE REVIEW In terms of protection insurance, the Group and its companies wish to promote their social utility. To that end, it launched a comprehensive 2020 Protection plan (redefinition of the product range, distribution strategy, especially with regard to professionals). Recall that a new long-termcare offering was launched in 2016, a field in which Groupama is a pioneer and historical leader. In particular, it will provide policyholders recognised as dependent with a pension of up to €2,000 per month, plus the ability to equip their home appropriately. It includes a wide range of services provided in case of long-termcare of the policy holder, but also to support a personwho is in a caregivingsituation. In Group protection insurance, a field in which penetration VSE-SMEs is very low, the group is continuing to develop its flexible offerings (such as Galya at Gan Eurocourtage), which include various covers (mandatory and optional) and support and assistance services for employees, especially in prevention/alternativemedicines. Since 2018, Gan Eurocourtage has offered a supplementary “critical illnesses” cover to allow policyholders to get a medical “second opinion” and to cover expenses notcovered by social securityand mutual insurance. Regardingthe social protectionof agriculturalassets, Groupama is continuing its partnership with the social protection group Agrica and the MSA and renewed in 2016 the “corporate mutual” agreement with the FNCUMA, which concerns 5,000 employees. Two other framework agreements were signed with the FNSEA and the JA [young farmers] organisations. Twenty thousand farmers who use labour signed up as part of the agricultural offering partnership.Groupamaobtainedadditionalprotectionfrom the ministryof agriculture. In order to meet the challenge of ageing and the growing imbalance of the pay-as-you-go system in France – hence increased requirements in terms of performance and security on the part of savers – the Group completely renovated its retirement offer, Gan in 2013 and Groupama in 2014-2015 (secure, protected, diversified UL and time-horizon management). Groupama continued its UL diversification strategy, which allows customers to combine performance potential and capital protection. A Retirement guide was also produced in 2016, and the Tips section on groupama.fr was expanded on this subject. Note that the Group also contributesto the Certivia fund, intended to promote life annuities in France. The “retirement” process continued in 2017 and 2018 with the establishment of an informative website, with the construction of allocations based on the customer’s risk profile. The goal is to meet the need for understandingand informationof subscribers,with well-expressed priorities in terms of savings and flexibility. In 2018, Groupama partnered withthe fintech Sapiendoto offer interactive services. With the emergence of connected cars, Groupama offers innovative solutions with multiple benefits for both the customer and the environment. Amaguiz’s Road Coach offering allows drivers to pay less for insurance according to their driving style. Thanks to an on-board telematics system, policy holders are encouragedto drive responsiblyon a daily basis, and to adopt the proper habits to reduce fuel consumptionand CO 2 emissions.This offering allows policy holders to save up to 36% on their insurance Mobility

premium, paid back in the form of electronic gift vouchers. A similar behaviour-basedoffering had already been launched by the Group’s subsidiaries in Italy (MyAngel) and Turkey (Kaskopilot). In France, GroupamaOn Board, targeting young people and offering behaviour-basedpricing and preventionadvice, was launchedas a pilot at the endof 2016 and then expanded in2017 and 2018. A new “mobility” insurance product: support for new modes of mobility also led to the expansion of the motor insurance offering, which now includes, at no additional cost, protection for car-sharingand car-pooling.This concerns nearly a million policies in the 4As system. Also in 2018, to support the mobility of everyday accident (GAV) policy holders, the Gabriel “pocket assistant” was launched. This new mobile app provides direct access to assistance with motor (and home) policies with immediate geolocation. “Bicycle insurance”offerings were launched in the form of policy packaging. Lastly, Groupama is developingproducts or services that make life easier today, such as Domos (for easier moving), PayCar (buying a used car safely), legal protection insurance that takes e-reputation risk into consideration, and a service for members: in-branch registrationdocument management,with a pilot operation in 2017 extended in2018. Protection for all farming in the face of increasing risks The response to the needs of agricultural players has historically been at the heart of Groupama’s business (number 1 agricultural insurer, with60%market share). The “multi-risk climate insurance” (MRC) offering, with Groupama as one of the designers from the beginning (2005, then reformattedas a “basic policy” in 2015), has shown its importance in recent years, when crop losses have been particularly significant. Groupama’s mobilisation alongside farmers following bad weather has been strong, thanks in particular to its elected representatives and the 450 Groupama appraisers specialising in crop damageappraisal. Two years ago, Groupama launched an innovative product highly anticipated by the profession, “Objectif Stabilité”. This revenue insurance, launched as a test, allowing farmers to protect yields and prices. The developmentof this product has been successful. More generally, the Group, a professional agricultural organisation and an expert in agricultural risk management, is involved in the preparatorywork for the 2020 PAC, to work with farmers to build the tools necessary for theirprotection. A first international symposium on risk management in agriculture was launched in Paris in February 2018 by a Groupama regional mutual. Agriculture is also increasingly a technological and precision business, and Groupama is supporting this development, as illustrated by its drone insurance (Airinov partnership), agricultural robot insurance (partnership with NAIO Technologies), or the Smart Agri project (global risk management for a farm). In 2017, Groupama launched “Initiatives Agricoles”, a collaborativeprocess for testing solutions using connected objects: fodder probes, connected fences,geolocation oftractors in case of theft, etc.

92 REGISTRATION DOCUMENT 2018 - GROUPAMA ASSURANCES MUTUELLES