Royal Decree of 2nd May 2017

Your attention is drawn to the fact that a comparison between several insurance contracts must not be limited to comparing the estimate of the costs and expenses of each contract but must also take into consideration other factors, such as the extent of the guarantees, the excess amounts or exclusion clauses. The estimates given above enable you to better assess the portion of the premium used to cover the risk insured by the insurance contract. The part ofthe premium, after deduction of taxes and contributions as well as acquisition and administration costs, represents the share of the premium allocated to the performance of the contractual services as well as the costs not mentioned above (including the shared cost of claims and their management). These estimates are calculated on the basis of the accounting data of the last financial year of the insurance company as approved by its general assembly.

Total payable amount including tax 9.25%.