may

and the ways in which we interact, including when you visit our websites. We may update this notice. We will notify you of any changes to this notice by posting an update on our websites. In specific situations where governed by applicable data protection laws and regulations, we will seek your consent before making significant changes to the way we process your personal data previously collected from you. Third party websites that you may access through our websites are not covered by this

visits ("permanent cookie"). Cookies may be placed by the server of the website you are visiting or by partners with which this website collaborates. A website's server can only read the cookies it has placed itself; it has no access to any other... cookies automatically, but all allow you to customise the settings to suit your preferences. You can change these settings to block cookies or to be notified when a cookie is stored on your device. However, blocking our cookies may affect the use of our

visits ("permanent cookie"). Cookies may be placed by the server of the website you are visiting or by partners with which this website collaborates. A website's server can only read the cookies it has placed itself; it has no access to any other... cookies automatically, but all allow you to customise the settings to suit your preferences. You can change these settings to block cookies or to be notified when a cookie is stored on your device. However, blocking our cookies may affect the use of our

, enables us to handle them appropriately. 1.1.4 The risk when a conflict of interest is not properly managed and controlled, is that Monument’s integrity may be compromised and customers and business partners may lose confidence in us. In addition, 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

managers must comply with the MAB's Investment Policy, including ESG limits. - For certain unit-linked policies, and portfolio bonds in particular, investment decisions may be made by the policyholder on the basis of advice provided to the policyholder... of companies belonging to the Monument group. 5. Conflicts of interest Our engagement policy and the exercise of our voting rights may in some cases give rise to a conflict of interest. Monument Assurance Belgium has implemented a strict policy and

-force life insurance portfolios. This strategy is focused on closed books. Consistent with this strategy: ▪ On 31 May 2019, MAB effected the transfer of a portfolio of long-term savings and credit life insurance from Alpha Insurance SA, a Belgian... for the year ended 31 December 2021 with prior year comparatives for the 12-month statutory period ending 31 December 2020. Copies of the Company’s financial statements may be obtained from the website of the National Bank of Belgium. In general, the

-force life insurance portfolios. This strategy is focused on closed books. Consistent with this strategy the following life insurance portfolios were acquired: ▪ On 31 May 2019, MAB carried out the transfer of a portfolio of long-term savings and... statutory period ending 31 December 2022. Copies of the Company’s financial statements may be obtained from the website of the National Bank of Belgium. While year 2022 was driven by important macro-economic volatility and interest rate rise, year

Company is actively seeking to grow through acquisition of in-force life insurance portfolios. This strategy is focused on closed books. Consistent with this strategy the following life insurance portfolios were acquired: ▪ On 31 May 2019, MAB effected... for the year ended 31 December 2022 with prior year comparatives for the 12-month statutory period ending 31 December 2021. Copies of the Company’s financial statements may be obtained from the website of the National Bank of Belgium. The main updates

acquired: ▪ On 31 May 2019, MAB carried out the transfer of a portfolio of long-term savings and credit life insurance from Alpha Insurance SA, a Belgian composite insurance company and a wholly-owned subsidiary of Enstar Group Limited, (the “Alpha... 2024-2025, ended 31 December 2025 with prior year comparatives for the 12-month statutory period ending 31 December 2024. Copies of the Company’s financial statements may be obtained from the website of the NBB. 15 The period 2024-2025 was marked by

following life insurance portfolios were acquired: ▪ On 31 May 2019, MAB carried out the transfer of a portfolio of long-term savings and credit life insurance from Alpha Insurance SA, a Belgian composite insurance company and a wholly-owned subsidiary... statutory period ending 31 December 2023. Copies of the Company’s financial statements may be obtained from the website of the National Bank of Belgium. Solvency and Financial Condition Report 31 December 2024 Page 16 of 93 Monument Group: PUBLIC The