regulatory

regulators where we are legally required to do so. With regard to our subcontractors, we systematically enter into a data processing contract with each of them. We carry out audits to ensure their compliance with the applicable contractual and regulatory... a legal or regulatory obligation This includes: - the preparation of legal or regulatory reports including those required to comply with our tax obligations (e.g. FATCA/CRSform); - detecting, preventing and combating money laundering, terrorism and

, Monument may be subject to regulatory censure or fines or both as a consequence of failing to have appropriate systems and controls in place to provide adequate management of any conflict of interest. 1.1.5 Conflicts of interest may arise in the... of MAB include those of its relevant persons. 1.5 Legal and Regulatory Framework 1.5.1 The legal and regulatory framework for this Policy incorporates, among others, the following: • Article 258, §5 of the EU Delegated Regulation 2015/35; • Articles

regulatory requirements continue to evolve, this document is subject to modification allowing MAB to continue to apply this requirements. 3 Monument Group: PUBLIC ▪ Our values 2. ESG Statement ▪ Responsible Corporate Governance ▪ Governance Structure... be updated annually to take account of any legislative or regulatory changes. Monument Group: PUBLIC

Company’s Own Funds comprises of share capital and reconciliation reserve (including retained earnings). The Capital Management Policy focuses on ensuring that there is sufficient capital at all times to meet the regulatory solvency requirements... Regulatory Solvency Requirement 312,966 14,017 Solvency Capital Requirement 127,366 3,369 Minimum Capital Requirement 57,315 3,700 Ratio of Own Funds to SCR 246 % 416 % Ratio of Own Funds to MCR 546 % 379% Eligible Own funds increased significantly over the

and reconciliation reserve (including retained earnings). The Capital Management Policy focuses on ensuring that there is sufficient capital at all times to meet the regulatory solvency requirements. The Company’s Solvency Capital Requirement (“SCR... € ‘000, except for percentages): 31 december 2023 31 december 2024 Eligible Own Funds to cover Regulatory Solvency Requirement 356,147 386,404 Solvency Capital Requirement (SCR) 127,676 102,089 Minimum Capital Requirement (MCR) 57,454 45,940 Ratio of

that there is sufficient capital at all times to meet the regulatory solvency requirements. The Company’s Solvency Capital Requirement (“SCR”) is calculated using the Standard Formula set by the European Insurance and Occupational Pension Authority (“EIOPA”). The following table summarizes the Company’s Own Funds and solvency position at 31 December 2022, with prior year comparatives (in € ‘000, except for percentages): 31 December 2021 31 December 2022 Eligible Own Funds to cover Regulatory

sufficient capital at all times to meet the regulatory solvency requirements. The Company’s Solvency Capital Requirement (“SCR”) is calculated using the Standard Formula set by the European Insurance and Occupational Pension Authority (“EIOPA...): 31 December 2022 31 December 2023 Eligible Own Funds to cover Regulatory Solvency Requirement 386,404 372,081 Solvency Capital Requirement (SCR) 102,089 147,722 Minimum Capital Requirement (MCR) 45,940 66,475 Ratio of Own Funds to SCR 378% 252

capital at all times to meet the regulatory solvency requirements. The Company’s Solvency Capital Requirement (“SCR”) is calculated using the Standard Formula set by the European Insurance and Occupational Pension Authority (“EIOPA”). The following table summarizes the Company’s Own Funds and solvency position at 31 December 2025, with prior year comparatives (in € ‘000, except for percentages): 31 december 2025 31 december 2024 Eligible Own Funds to cover Regulatory Solvency 338,566 356,147