total

There is a basic annual exemption of €10,000 per taxpayer on the total capital gains realized during a single year. This amount is adjusted annually.Taxpayers who do not use the exemption may carry forward a maximum of 1,000 euros to the following year for up to 5 years, up to a total of 15,000 euros.

The capital gains tax rate is 10%. Capital gains tax applies only to capital gains realized on or after January 1, 2026. Capital gains accrued before that date are exempt. For contracts entered into on or after January 1, 2026, the taxable capital gain is the positive difference between the paid-out capital and the total amount of premiums paid. For contracts entered into before January 1, 2026, the reserve as of December 31, 2025 (the “snapshot date”) serves as the reference value. In this

tout moment, le Rachat total ou partiel de son Contrat. Un Rachat partiel n’est possible que pour un montant minimum de 2.500€ et à condition qu’il subsiste une réserve minimum de 5.000€ pour l’ensemble des fonds d’investissement proposés dans le cadre du Contrat Perspective. La notification d’une demande de Rachat partiel équivalent à un montant supérieur ou égal à la Valeur du Contrat est considérée comme une demande de Rachat total du Contrat. Le Rachat total met fin au Contrat. MAB procède

tout moment, le Rachat total ou partiel de son Contrat. Un Rachat partiel n’est possible que pour un montant minimum de 2.500€ et à condition qu’il subsiste une réserve minimum de 5.000€ pour l’ensemble des fonds d’investissement proposés dans le cadre du Contrat Perspective. La notification d’une demande de Rachat partiel équivalent à un montant supérieur ou égal à la Valeur du Contrat est considérée comme une demande de Rachat total du Contrat. Le Rachat total met fin au Contrat. MAB procède

four products, namely: Number of Group Pension Individual Individual Non- Individual Fiscal Total contracts Scheme Pension Scheme Fiscal 202112 1,910 58 78 4 2,050 202212 1,891 58 75 3 2,027 Evolution (YTD) -19 0 -3 -1 -23 Alpha Portfolio The Alpha portfolio was acquired on 31 May 2019. This portfolio consists out of credit life and traditional life policies: Number of contracts Credit Life Traditional Life Grand Total 22,038 7,987 30,025 202012 202112 19,702 7,607 27,309 Evolution (YTD) -2,336

Monument Assurance Belgium Solvency and Financial Condition Report at 31 December 2023 8 April 2024 MMononuumentment GrGroouupp:: PUBPUBLICLIC Table of Contents Samenvatting............................................................................................................................. 5 Executive Summary .................................................................................................................. 13 A. Business and Performance ...................................

consists of four products, namely: st Solvency and Financial Condition Report 31 December 2021 Page 21 of 77 Monument Group: PUBLIC Number of Group Pension Individual Individual Non- Individual Fiscal Total contracts Scheme Pension Scheme Fiscal 202012... Traditional Life Grand Total 202012 25,193 8,405 33,598 202112 22,038 7,987 30,025 Evolution (YTD) -3155 -418 -3,573 NCN Portfolio The NCN Portfolio was acquired on 16 December 2019. This portfolio consists of a run-off portfolio of Second Pillar

Monument Assurance Belgium Solvency and Financial Condition Report at 31 December 2024 8 April 2025 MoMonumnumeennt Gt Grrooup:up: P PUUBBLILICC Table of Contents Samenvatting ............................................................................................................................... 5 Executive Summary .................................................................................................................... 13 A. Business and Performance ............................

Pension Individual Individual Non- Individual Fiscal Total contracts Scheme Pension Scheme Fiscal 2024.12 1,857 54 70 2 1,983 2025.12 1,817 52 66 1 1,936 Evolution (YTD) -40 -2 -4 -1 -47 Alpha Portfolio The Alpha portfolio was acquired on 31 May 2019. This portfolio consists of credit life and traditional life policies: 24 Number of contracts Credit Life Traditional Life Grand Total 2024.12 15,671 6,878 22,549 2025.12 13,932 6,533 20,465 Evolution (YTD) -1,739 -345 -2,084 Number of Group Pension