Sompo Holdings Corporate Pro le Transforming into “A Theme Park for Security, Health & Wellbeing” The Sompo Group is reforming its existing business models as well as its entire business portfolio by leveraging digital technologies and developing new businesses and services. By creating new value through our transformation into “A Theme Park for Security, Health & Wellbeing,” we aim to help realize a resilient, sustainable society.

Domestic P&C Insurance Overseas Business Insurance Business

Domestic Life Insurance Nursing Care & Business Healthcare jpn_sompo-rm_comm-logomark_en_type-b_basic_posi Business

Realizing Value-Generating Innovation Domestic P&C Insurance Business —Be the Most Highly Evaluated P&C Insurance Company—

The domestic P&C insurance business caters to the needs of a diversifying group of customers. As the core company of this business, Sompo Insurance Inc. sells insurance through agencies, while SAISON AUTOMOBILE AND FIRE INSURANCE COMPANY, LIMITED, conducts direct sales. In addition, Sompo Japan DC Securities Inc. provides defined contribution pension fund management services; Sompo Risk Management Inc. provides business continuity management and planning (BCM / BCP), and Enterprise Risk Management; Mysurance Inc. markets small-amount, short-term insurance; Prime Assistance Inc. specializes in assistance services; and Sompo Warranty Inc. has a lineup of professional extended warranty services.

Sompo Japan’s Products and Services That Leverage Sompo Risk Management’s Leading-Edge Digital Technologies Main Services Safe Driving Support System for Companies—Smiling Road • Support services to establish, revise, and train Smiling Road is a telematics-based service that supports in business continuity plans safe driving through our specialized drive recorders, which • Cybersecurity services are equipped with communication functions. The service • Enterprise Risk Management supports driving safety by offering specific guidance. For example, it uses a careless-driving detection function to identify traffic violations and encourage safer driving. This function reduces the carelessness detected per driver etc. by approximately 40%. In 2020, Smiling Road received a Good Design Award.

DRIVING! Based on specialized drive recorders with telematics functions, DRIVING! is a rider for automobile insurance that assists drivers in “linking” both to their loved ones and to the personnel that provide our services. In the event of an accident, a video link between the customer and the smartphone of a family member can be established automatically. Also, SOHGO SECURITY SERVICES CO., LTD. (ALSOK), can be called upon to provide accident- scene callout services and accident assistance. Further, accident status analysis, which is based on drive recorder data forwarded in real time to the insurance company, enables the smooth resolution of accidents and provides significant reassurance. Accelerating Growth through Steady Organic Growth Overseas Insurance Business and Disciplined M&A Activities

Global Expansion

30 countries and regions (As of March 31, 2020)

The Sompo Group has developed its business through organic growth and disciplined M&A activities. The Group operates its overseas business in 30 countries and regions worldwide, in both developed and emerging countries.

SOMPO INTERNATIONAL Sompo International Holdings is a global specialty provider of P&C insurance and reinsurance that was established in March 2017 as the result of the acquisition of Endurance Specialty Holdings Ltd. and the integration of Sompo America and SJNK Europe. All commercial property, casualty, and specialty insurance and reinsurance businesses outside of Japan have been unified under Sompo International’s Commercial P&C platform. Sompo International also created Retail Insurance Platform which focuses primarily on personal lines of business in emerging countries and is integrating the Group's retail companies under Sompo International Holdings. Sompo International’s experienced teams deliver wide-ranging products, deep market knowledge, and significant capabilities to clients worldwide. Leveraging industry-leading underwriting capabilities, exceptional financial strength, the best people, and the broad licensing network of the Sompo Group, Sompo International is committed to continued growth in geography, scale, products, and talent.

Evolving into a Health Support Enterprise Domestic Life Insurance Business —The Second Founding—

Sompo Himawari Life Insurance Inc. goes beyond the insurance functions provided by traditional insurance companies and combines them with healthcare functions to offer Insurhealth® products. In doing so, we are driving the evolution of the health support business, giving our customers support for worst-case scenarios and everyday life.

Providing Insurhealth® We provide customers with Insurhealth® products, which integrate insurance functions with healthcare functions, offering new, unprecedented value. Specifically, the insurance functions serve to provide financial support, while the healthcare functions maintain and improve customers’ health through prediction, prevention, and monitoring.

Insurance functions Health functions Product ➆ June 2020

Product ➄ Insurance functions Health functions December 2019

➀ Prediction Maintaining and Financial support ➁ Prevention improving Product ➁ ➂ Monitoring customer health August 2018

Product ➅ ➀ March 2020 ® ® Product Insurhealth : We have launched six Insurhealth products as of fiscal 2019. April 2018 ➀ Linkx: Protection for You and Your Family (income compensation insurance) Product ➃ ➁ Linkx Pink (insurance covering cancer examinations for women) March 2019 ➂ Egao Wo Mamoru dementia insurance Product ➂ ➃ Linkx: Nineguard (comprehensive disability insurance) October 2018 ➄ Blue medical insurance for people with diabetes ➅ Non-dividend comprehensive Welfare Group Term Insurance Policy ➆ Health support medical insurance Kenko No Omamori (launched in June 2020) Realizing “Japan, an Affluent Country That Can Boast to Nursing Care & Healthcare Business the World of a Long and Quality Life”

As a comprehensive nursing care service brand, we provide a full line of nursing care services across Japan, ranging from at-home nursing care to facility-based nursing care, catering to the needs of each and every customer.

Sales of Listed Nursing Utilizing Body-Movement Sensors Care Providers We have been using Nemuri SCAN, manufactured by Paramount Bed Holdings Co., (Fiscal year ended March 31, 2020) Ltd., since fiscal 2018. Installing Nemuri SCAN under a bed’s mattress enables the product’s built-in sensors to monitor residents’ turning over, heart rate, respiration rate, Sompo Care Group’s Sales and other body movements and thereby ascertain their condition while asleep. Second Highest in Industry Moreover, the product detects when the resident sleeps, wakes, and gets out of bed, and allows nursing care personnel to view this information with mobile terminals in real time. The introduction of Nemuri SCAN has enhanced residents’ quality of life and 1 Company A ¥153.7 billion greatly improved nursing 2 Sompo Care Group ¥128.4 billion care personnel’s work efficiency. We plan to intro- 3 Company B ¥122.9 billion duce Nemuri SCAN at all 4 Company C ¥91.1 billion housing units of our nursing homes providing long-term 5 Company D ¥60.8 billion care in the fiscal year * Prepared by Sompo Holdings, Inc., based on each ending March 31, 2021. Sensors for measuring body movements to ascertain company’s financial settlement documents the condition of a bed’s occupant while asleep

Other Strategic Operating Companies

Asset Management Business Home Remodeling Business

jpn_sompo-hs_comm-logomark_en_type-b_basic_posiSompo Asset Management Co., Ltd., As a general remodeling company, FRESHHOUSE CO., LTD., proposes and provides top-caliber products aims to provide high-quality remodeling services that and asset management services to assist eliminate uneasiness, customers in building asset portfolios over inconvenience, and discomfort the medium-to-long term, with the aim of being and to create homes in which the most customer-oriented asset management residents can live safely, company in Japan. comfortably, and with peace of mind.

Healthcare Business

Sompo Health Support Inc. is focused on being a leading company The goal of Wellness Communications Corporation is to increase in the support of mental and physical health by combining a long the vitality of both companies and people by providing companies track record in the healthcare business with the latest knowledge and and health insurance associations with checkup outsourcing digital technologies to offer products and services that can be highly services and health information management systems. beneficial to health. Main Services Main Services • Corporate wellness business providing health checkup support • Lifestyle-related ailment prevention business for companies and health insurance associations (specific health guidance, disease progression prevention business, Health checkups and physical examinations for employees information services, etc.) (network medical checkup service) • Mental health business Health management cloud service (health support system) (Health & Productivity Management* consulting, assistance and • Healthcare ICT industry returning-to-work support for those with mental health issues, etc.) Health support system * Health & Productivity Management is a registered trademark of the incorporated nonprofit Stress checks organization Workshop for the Management of Health on Company and Employee. Realizing “A Theme Park for Security, Health & Wellbeing”

People want to live safer, healthier, and more secure lives.

To respond to the deeply held desires shared by everyone, we will marshal our strengths to create high-quality solutions for people to live safer, healthier, and more secure lives. By combining these solutions, we will become a “theme park” of possibilities and opportunities for everyone.

Development of Products and Services Leveraging the Latest Digital Technologies We have established SOMPO Digital Labs in , Silicon Valley, and Tel Aviv, in Israel, as bases for the creation of products and services that use new digital technologies. With big data utilization growing in importance, the Sompo Group established Palantir Technologies Japan K.K. jointly with Palantir Technologies Inc. in 2019. As well as utilizing software platforms for big data analysis for major companies and public-sector organizations in Japan to provide them with a variety of solutions to management issues, Palantir Japan will offer services for security, health, and wellbeing and support for digital transformation.

From Claim to Payment in as Little as 30 Minutes via Smartphones Launching of a Chat Bot-Enabled, Real-Time Accident Response Service The LINE App Claim Service, launched in October 2018, allows customers to make claims regarding overseas travel insurance, car insurance, fire insurance, and accident insurance via smartphones. As an addition to this service, we have begun a chat bot service that provides interac- tive responses to accident insurance inquiries 24 hours a day, 365 days a year. Thus, customers are able to receive accident responses when it suits them rather than only during the business hours of insurance companies.

Development of Disaster Preparedness and Mitigation System Using AI Sompo Japan has concluded a business alliance for the joint development of a disaster preparedness and mitigation system with One Concern, Inc., and Weathernews Inc. to enhance disaster preparedness in local communities. This disaster preparedness and mitigation system leverages advanced AI technology. We are currently conducting verification tests of this system in the city of Kumamoto, aimed at developing Japan’s first disaster preparedness and mitigation system. Through the system's performing advanced, precise simulations of damage caused by disasters, we will facilitate the development of cities resilient to disasters and will support the lives of local residents by contributing to their security, health, and wellbeing.

Initiatives for Sharing Services

Joint Ventures Entry into Parking Space Sharing Business Established with DeNA Sompo Holdings made akippa Inc., the largest provider of parking space Two joint ventures—DeNA sharing services in Japan, an affiliate of the Group after acquiring 33.4% SOMPO Mobility and DeNA of the company’s shares. Sompo Holdings’ network of real-world insur- SOMPO Carlife—have been ance agencies and approximately 13 million sets of car insurance data established between Sompo combined with akippa’s expertise in web platform services will serve to Holdings and DeNA Co., Ltd.. increase the number of akippa’s shared parking spaces and member- These joint ventures leverage ships and to promote MaaS (mobility as a service)-related business. the strengths of Sompo Holdings—specifically its real-world insurance sales capabilities and its car and driver data assets, gathered from approximately 13 million automobile insurance policies—and DeNA, which has expertise in planning and operating high-quality services that utilize internet and AI technologies. The combination of these strengths provides new value via mobility services that merge real-world and digital technologies.

Initiatives for Autonomous Cars Sompo Holdings has acquired an equity interest in and concluded a capital tie-up with Tier IV, Inc., which is engaged in the development of autonomous driving systems. As a result of said equity inter- est acquisition, Tier IV has become an affiliate of Sompo Holdings. With this in mind, the Sompo Group aims to build a platform that combines digital technology with real data*1 on driving, environmental burden, and traffic accidents acquired through its P&C insurance business to provide the accident prevention, monitoring, and coverage needed for safe verification tests of autonomous car-related services. As part of these efforts, the Group has established the Connected Support Center as a base for research on response services for accidents and other issues involving autonomous cars. In addition, An operator remotely surveilling we are conducting joint research*2 on the Level IV Discovery insurtech*3 solution, which supports a autonomous car verification tests of autonomous car-related services. Through the low-cost provision of a highly safe platform for autonomous car verification tests, the Group aims to expedite the realization of a society with safe autonomous cars. *1 “Real data” refers to data that is acquired from various real-life activities. *2 Joint research based on business tie-ups with Tier IV, Inc., a developer of systems for autonomous cars, and AISAN TECHNOLOGY Co., Ltd., a company with technology for high-precision 3D maps *3 New, technology-enabled insurance products and services

Development of a Cybersecurity Business One-Stop Platform

Sompo Holdings is actively developing a cybersecurity business. We offer one-stop services for Simple Sophisticated Policy Reinforcement Monitoring Accident Insurance diagnosis diagnosis formulation measures and detection response payment cybersecurity measures that encompass risk assessments and preventive measures through to Full service lineup compensation. These services are based on an alliance with cybersecurity providers that offer advanced services and the leading-edge technologies that are available to the Group through Collaboration

Partner companies with advanced SOMPO Digital Lab Tel Aviv’s local network in Israel. technological and solution capabilities SOMPO Dementia Support Program We have been developing the SOMPO Dementia Support Program Group-wide, aiming to build a society that strives to prevent dementia and enables people, even if diagnosed with dementia, to continue living with dig- nity as individuals. The Sompo Group’s range of dementia-focused products and services includes Oyako No Chikara, which pays benefits for expenses arising from the nursing care of parents and aims to eliminate the need to resign from work for the purpose of caring for family members (Sompo Japan Insurance Inc.); Linkx Egao Wo Mamoru Dementia Insurance, which pays out a lump-sum if mild cognitive impairment (MCI) or de- mentia is diagnosed (Sompo Himawari Life Insurance Inc.); and the SOMPO Egao Club Dementia Support Service, which introduces services that help prevent cognitive impairment and support people in their daily lives by helping them live with dignity even if they are diagnosed with dementia (Prime Assistance Inc.). Further, in 2019 the Sompo Group began participating in a government R&D project that verifies the efficacy Screenshots of the SOMPO Egao Club of dementia prevention programs in curbing the impairment of cognitive functions. Also, in partnership with website service menu page the National Center for Geriatrics and Gerontology and the FINGERS Brain Health Institute, we have devel- oped the SOMPO Smile Program for Brain & Physical Health, which reduces the risk of cognitive impairment and dementia by improving the lifestyles of senior citizens, and we began rolling out this program in 2020. In addition, as a pioneer in dementia care, Sompo Care Inc. is conducting dementia-focused initiatives that incorporate proprietary treatment approaches and leading-edge care methods. Moreover, Sompo Care has launched the Anna-Konna website, which develops programs that are effective in reducing the risk and curbing the progression of cognitive decline and offers support to those providing dementia care in their homes. By mobilizing its unique capabilities as one of the largest providers of insurance and nursing care services in Japan, the Sompo Group will continue developing and providing dementia-related solutions that meet customer needs.

Key Indicators

Net Premiums Written Net Income Attributable to Credit Ratings (As of April 1, 2020) Shareholders of the Parent Sompo Sompo (Billions of yen) (Billions of yen) Rating agency Object Japan Himawari Life 3,000 2,854.7 150 146.6 2,825.4 139.8 Financial strength 2,718.1 S&P rating A+ A+ 2,500 122.5 Insurance financial Moody’s strength rating A1 — 2,000 100 Issuer rating AA — 1,500 Rating and Investment Information, Inc. (R&I) Insurance claims 1,000 50 paying ability — AA Japan Credit Rating Ability to pay insurance 500 Agency, Ltd. (JCR) claims rating AA+ — Financial strength 0 0 A.M. Best ratings A+ — 2017 2018 2019 (FY) 2017 2018 2019 (FY)

History

Tokyo Fire ippon Accident ippon Fire Chugai Marine Jul. 1887 May 1911 May 1892 Apr. 1918

asuda Fire Marine issan Fire Marine Taisei Fire Marine ippon Fire Marine oa Fire Marine

ompo Japan PPOOA Jul. 2002 Apr. 2001

J oldings ompo Japan ipponkoa oldings ompo oldings stablished on April 1, 2010 Changed Company name on eptember 1, 201 Changed Company name on October 1, 2016

ompo Japan ipponkoa Merged on eptember 1, 201

ompo Japan nsurance nc. Changed Company name on April 1, 2020

Corporate Data (As of March 31, 2020)

Company name : Sompo Holdings, Inc. Business activities : Management of P&C insurance compa- Date of establishment : April 1, 2010 nies, life insurance companies, and other companies controlled as subsidiaries Capital : ¥100 billion pursuant to the Insurance Business Law, Group CEO, Director, and other related operations President and Representative : Kengo Sakurada Exchange listing : (First Section) Executive Officer

26-1, Nishi- 1-chome, Shinjuku-ku,  Tokyo 160-8338, Japan URL: https://www.sompo-hd.com/en/ 20.11 501427 -0800