GROUPAMA / 2020 UNIVERSAL REGISTRATION DOCUMENT

4 CORPORATE SOCIAL RESPONSIBILITY (CSR) Declaration of Extra-financial Performance

Societal commitments 4.2.2.5

the prevention and alert services of Predict (1) , a subsidiary of ■ Météo France, are now accessible to all customers of the Group. The mobile app Groupama-Predictallows customers to receive messages about key information to anticipate and manage a risky meteorological phenomenon. The Group’s companies provide disaster recovery advice after incidents to help protect people and property and rebuild; the notion of environmental damage was introduced in the ■ FrenchCriminal Code in 2016; this cover is integratedinto our environmental TPL offerings. Groupama-Predict, a partnership to improve resilience to weather-relatedrisks. Initiated in 2007, this partnershipnow allows nearly 20,000 local authoritiesand millions of citizens to be warned in advance, with 24/7 warnings of approaching risks at the municipality level. An innovative, proven solution. During Storm Alex, 578,000 text messages were sent to Groupama members and 6,500 municipalitieswere gradually informed in advance of the situation. “Rebuilding our food sovereignty”: In 2020, Groupama and six other major agricultural organisations signed the appeal that proposes sealinga “confidencepact” with Frenchcitizensbasedon the commitmentof players in the agricultural and food sectors and territories to contribute to the fight against global warming through carbon storage, the developmentof biodiversity,the integrateduse of inputs, the relocation of certain productions, and the development of shorter distribution channels. Risks of storms,NatCat, forces of nature, and weather-relatedrisks on harvests (or MRW) are addressed in connection with the Group’s “Major Risks” plan as well as risk accumulation(technical): this plan consists of annual monitoring of each risk concerned, which makes it possible in particular to be as close as possible to the evolution of weather-related risk events. Performance indicator ❯ Rate of change in the number of “infrequentdriver” (2) motor policies in the portfolio: 799,186 policies (+6.4%/2019), or 28% of the portfolio of the regionalmutuals.These plans continueto develop in response to growing demand. Other indicators with an “environmental” dimension (3) ❯ Number of electric vehicle policies: 14,594 policies ■ (+22%/2019) (4) ; Number of corporateenvironmentalTPL polices: 1784 Garden ■ policies +8.06%/2019; and environmental cover in corporate TPL: presence in approximately 3,900 policies.

to sustainable development Our group and its companies have long been immersed in and attentive to the local ecosystem.This is part of our DNA. The risk of negative impacts on the territories is not significant fGorroupama. Our ambition is to be a key player in our territories by pursuing a strong regional policy of partnerships/philanthropywith the local ecosystem by remaining the leading insurer for small and medium-sized communities and by continuing to open branches and managementsites in the regions.Groupamais also the insurer for all agricultural needs. The mutualist territorial network is led in particular by the local network consisting of elected representatives, who interact with policyholders and players in the territories. The Group promotes this mutual insurance dynamic by developing training for elected representatives, especially in territorial intelligence, by encouraging them to share good practices with each other, and by optimising discussions with employees, in particular those responsible for promoting mutual insurance principles and commercial development. Some figures… ❯ €49.56 million was paid to local authorities in the form of the territorial economicdistribution(CET) in 2019 (the amount for 2020 will be known in spring 2021). €11 billion in benefits were paid in 2020 (5) to our policyholders to allow them to protect their economic activity antdheir family life. For employment, the Group and its companies represent 25,000 employeesthroughout France, and recruitment events are organised each year in large metropolitan cities. In 2020, these events took place remotely. Approximately45% of the Group’s purchases (excluding insurance purchases) were made from VSE-SMEs. In connection with the Collectif des entreprises pour une économie inclusive, the Group shares good practices with its peers in order to develop local or “inclusive” purchases (purchases that promote the developmentof the territories, diversity, the development of VSE-SMEs, or the SSE (6) ). After the issuance of first mutual certificates in 2015 by a regional mutual, similar operations followed for the other eight metropolitan mutuals. In particular, they strengthen the investment capacity of the mutuals in the regions. Mutual certificates totalled €624 million overall, including €50 million collected in 2020. The regional mutuals are reinsured by the national mutual, Groupama Assurances Mutuelles.

The partnership with Predict, initially on flood risk, has been gradually extended to storm, coastal flooding, heavy snowfall, heat wave, and extreme cold. (1) Less than 8,000 or 10,000 km depending on the brand. (2) With environmental characteristics or environmental objectives. (3) The Amaline brand disappeared in 2020. (4) The exact figure is €10.982 billion, including €9.4 billion in France, combined scope (France and International), excluding claims management costs. (5) Social and Solidarity Economy. (6)

88 Universal Registration Document 2020 - GROUPAMA ASSURANCES MUTUELLES