CNP Assurances - Investor Presentation

FASTER ADAPTATION TO LOW INTEREST RATE ENVIRONMENT CNP Assurances - Investor Presentation - March 2020 Substantial practical initiatives deployed in second-half 2019 to address challenges of low interest rate environment Modulation of premium loadings depending on the proportion of unit- linked underwritten Different policyholder bonus rates depending on unit-linked weighting Minimum unit-linked targets for some contracts Adjusted policyholder yields Revised strategic asset allocation PACTE Act transfers with higher weight of unit-linked > In addition, new products and funds under development to promote growth in unit-linked business and reduce exposure to market risks on traditional products "I 47

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