NOTICE

INSURANCE I ARC

A g i p i B o r r o w e r

February 2026

---

1

Dear member,

The ARC-Agipi Borrower contract, Bridge Insurance for Credit, to which you have just subscribed, has been developed to guarantee coverage of your financial commitments in the event of death, work stoppage, or disability.

ARC-Agipi Borrower is a group insurance contract developed by AGIPI and guaranteed by companies of the AXA group. It is exclusively reserved for AGIPI members.

This notice, which includes the text of the general conditions of the ARC-Agipi Borrower, informs you about all the guarantees offered.

Your advisor is at your disposal to provide you with any additional information. The services of ADIS will strive to provide you with care and efficiency in the follow-up and management of your membership.

Thank you for trusting AGIPI, the association of insured persons for Retirement, Savings, Insurance, and Health, and please believe, Dear member, in my devoted sentiments.

François PIERSON
President of AGIPI

---

2

Summary

General provisions	Page
Article 1 Preamble and parties to the contract	3
Article 2 Purpose of the contract	3
Article 3 Definitions	4
Article 4 Duration and renewal of the contract	4
Article 5 Scope of application	4
Article 6 Beneficiary of the benefits	6
Article 7 Obligations of the member and the insured	6
Article 8 Obligations of AGIPI and ADIS	7
Article 9 Deadline and methods of withdrawal	8
Article 10 AERAS Agreement (Insure and Borrow with an Aggravated Health Risk)	8
Article 11 Information regarding the use of personal data	8
Article 12 Prescription	10
Article 13 Complaints	11
Article 14 Insurer's control	11
Guarantee in case of death or total and irreversible loss of autonomy	12
Article 15 Death capital	12
Article 16 Total and irreversible loss of autonomy (PTIA)	12
Guarantee in case of work incapacity or total or partial disability	12
Article 17 Work incapacity	14
Article 18 Total or partial disability	16
Article 19 Specific disability (AERAS)	17
Article 20 Exemption from payment of contributions	17
Excluded risks and limits of guarantees	17
Article 21 Excluded risks	17
Article 22 Limits of guarantees	19
Assistance guarantees in case of domestic violence	20
Article 23 Assistance in case of domestic violence	20
Article 24 Legal protection in case of domestic violence	20
Article 25 Exceptional circumstances of assistance guarantees	20
Contributions

Table of contents

• Article 26 Calculation of the annual contribution
• Article 27 Payment methods for contributions
• Management of benefits
• Article 28 Methods for obtaining benefits
• Technical and joint management of the contract
• Article 29 Participation accounts
• Article 30 Participation reserve
• Article 31 Technical accounts
• Article 32 Joint Management Committee
• Article 33 Medical Evaluation Committee
• Appendix 1 - Agreement on the use of digital services
• Appendix 2 - Cumulative outstanding amount of credit contracts

---

Notice

General provisions

Article 1 Preamble and parties to the contract

The General Interprofessional Association for Insurance and Investment (AGIPI) aims to promote, within the framework of the current legislative and regulatory provisions, any action and any reform capable of providing or improving the guarantee of its members against various social risks.

It is in this context that it has concluded collective contracts with the life insurance companies of the AXA Group, with optional membership that contributes to achieving its social purpose.

This notice contains the provisions of the general conditions of the ARC contract, Bridge Insurance for Credit, commercially named “AGIPI Borrower,” and describes the guarantees and benefits granted.

The group insurance contract ARC, Bridge Insurance for Credit (references 3450-11 and 3450-12), governed by the Insurance Code (branch 1 - accidents, branch 2 - illness, branch 18 - assistance, and branch 20 - life-death), is subscribed by the General Interprofessional Association for Insurance and Investment (hereinafter referred to as AGIPI), with the French insurance companies of the AXA Group:

• AXA France Vie, whose registered office is in NANTERRE (92727), 313 Terrasses de l’Arche, 92727 NANTERRE Cedex,
• AXA Assurances Vie Mutuelle, whose registered office is in NANTERRE (92727), 313 Terrasses de l’Arche, 92727 NANTERRE Cedex, in co-insurance between them, in proportion to their respective turnover.

The assistance guarantees referenced 0804275 are insured by Inter Partner Assistance hereinafter referred to as “the Assistor,” a public limited company under Belgian law with a capital of €180,702,613, subject in its capacity as a Belgian insurance company to the prudential control of the National Bank of Belgium located at Boulevard de Berlaimont 14, 1000 BRUSSELS, Belgium, and registered with the Brussels Register of Legal Entities under number 415 591 055, whose registered office is located at 7 Boulevard du Régent, 1000 BRUSSELS, Belgium, taken through its French branch registered with the Nanterre Trade and Companies Register under number 316 139 500 and located at 8-10, rue Paul Vaillant Couturier, 92240 MALAKOFF, itself subject to the control of the Prudential Control and Resolution Authority (ACPR), located at 4 place de Budapest, CS 92459, 75436 PARIS Cedex 09.

The legal protection guarantees referenced No. 10 819 921 104 are insured by JURIDICA S.A. with a capital of €14,627,854.68 - 572 079 150 R.C.S. Versailles. Registered office: 1 place Victorien Sardou, 78 160 MARLY-LE-ROI. Company governed by the Insurance Code.

This contract is reserved for AGIPI members.

By subscribing, the member benefits from the representation of their interests by the AGIPI association in the drafting, monitoring of the management, and evolution of the group insurance contracts subscribed by it. They may, at any time and individually, request the AGIPI association to intervene in a conciliation process, without prejudice to the procedures for handling complaints and mediation defined in Article 13.

The ARC is managed by ADIS (Associations Diffusion Services), a dedicated management center for AGIPI memberships delegated by the insurer. ADIS is a public limited company located at 12 avenue Pierre Mendès France, CS 10144, 67312 SCHILTIGHEIM Cedex and is 100% owned by AXA France.

Any dispute relating to the application of this contract falls under the exclusive jurisdiction of French courts.

In accordance with Article L 355-5 of the Insurance Code, insurance companies publish an annual report on their solvency and financial situation. In the event of a major event significantly affecting the relevance of the information contained in this report, insurance and reinsurance companies publish information regarding the nature and effects of this event. The reports published by AXA France Vie and AXA Assurances Vie Mutuelle are available at: https://www.axa.fr/configuration-securite/informations-financieres.html

Article 2 Purpose of the contract

This ARC contract aims to guarantee benefits related to the loan mentioned in the special membership conditions, in the event of death, total and irreversible loss of autonomy, disability, or work incapacity of the insured, paid in the form of capital or daily allowances depending on the options chosen. The benefits paid under the aforementioned guarantees are fixed.

This contract also aims to guarantee assistance and Legal Protection benefits in case of domestic violence.

The insurance guarantees governed by this contract do not have a surrender value.

The special membership conditions specify the guarantees subscribed by the member.

Like any insurance contract, the ARC is by nature a random contract by which, in exchange for a contribution, the insurer commits to the member to provide a benefit in the event of the occurrence of one or more risks against which the insured wishes to protect themselves.

No guarantee can therefore be due by the insurer in the absence of randomness regarding the insured risk. Consequently, a work incapacity, a disability, or a state of total and irreversible loss of autonomy existing on the day of signing the special membership conditions cannot be covered. The same applies to a disability or a state of total and irreversible loss of autonomy resulting from a work incapacity existing on the day of signing the special membership conditions.

---

Article 3 Definitions

Member
Natural or legal person who subscribes to this contract.

Membership
Membership is materialized by:

• the special membership conditions,
• the notice provided for in Article L 141-4 of the Insurance Code,
• any amendments occurring during the membership,
• the statutes of the association.

Insured
Natural person admitted to insurance, whose main residence and tax household are established in France and on whom the risk rests.

Accident
Any unintentional bodily injury on the part of the insured and resulting directly from the sudden and unpredictable action of an external cause.
Myocardial infarction, coronary diseases, conditions due to emotional shock, overwork, and depression are not considered accidents.

Randomness
Uncertain event.

Membership conditions
Document that complements this notice and in which the identity of the member, the insured, the specific clauses, the chosen guarantees, any options chosen, as well as any specific provisions are stated.

Consolidation
Durable stabilization of the health status of the insured leaving residual effects, this state not evolving either towards improvement or deterioration, medically confirmed.

AERAS Agreement
System designed to facilitate access to insurance for people presenting an aggravated health risk.
(Insure and Borrow with an Aggravated Health Risk)

Work incapacity
Temporary and total incapacity to perform professional activity due to accident or illness.
For insured persons unemployed or no longer exercising professional activity, total incapacity to perform their usual non-professional activities.

Disability
The disability guarantee as provided in the contract is independent of the notion of disability retained by Social Security or any other competent organization that assesses professional unfitness. The recognition of a state of disability by one of these organizations is not binding on the insurer, who is bound only by the definition appearing in the contract as mentioned in Article 18.

Illness
Any alteration of health status recognized by a competent medical authority and not originating from an accident as defined above.

PTIA (Total and Irreversible Loss of Autonomy)
The impossibility for the insured to engage in any occupation or work providing gain or profit, and whose functional disability rate is equal to 100% according to the Social Security work accident scale. Between the 60th and 70th birthdays of the insured, the assistance of a third party is required.

Amateur athlete
Sport practiced as a high-level amateur leading to participation in competitions at a national or international level.

Article 4 Duration and renewal of the contract

This contract between AGIPI and the insurer takes effect on February 2, 2026, and is renewed by tacit agreement on January 1 of each year, unless terminated by either party with six months' notice by registered letter.
In the event of termination of the contract between AGIPI and the insurer, no new membership can be recorded; each insured guaranteed by the contract at the time of termination may remain until the ages provided for in Article 5 E for the subscribed guarantees.

Article 5 Scope of application

A Admission

Insured persons under 80 years of age are eligible for the contract.
An unemployed or jobless insured cannot subscribe to incapacity, total or partial disability, and specific disability (AERAS) guarantees (Articles 17, 18, and 19).
Each member fills out a membership application in which they specify the desired guarantees and any options chosen and designate the beneficiary or beneficiaries of the guarantee in case of death. The insured may be subject to medical acceptance.
To allow for the calculation of contributions, each member submits to ADIS the conditions and characteristics of the loan offer as well as a copy of the amortization schedule of the loan (or the schedule for bullet loans).
ADIS may limit or refuse guarantees without having to justify its decision.

B Territoriality of guarantees

The guarantees are acquired by the insured worldwide.

C Start of guarantees

The guarantees take effect for each insured on the date indicated in their special membership conditions, subject to payment of the first installment mentioned in the contribution statement.
In the event of gradual release of funds or after the effective date of the membership, the guarantees nevertheless produce their effects on the date indicated in the special membership conditions and contributions are due according to the methods defined in the special membership conditions.

D Modification of guarantees

The member may, at any time, request modification of their guarantees.

• If it is a decrease, this modification takes effect on the day of receipt of the request by ADIS.
• If it is an increase, acceptance of the change may be subject to the results of a medical acceptance.
  In the case of an increase in guarantee, the new guarantees take effect on the date indicated in the new special membership conditions, subject to payment of the first installment mentioned in the contribution statement.
  Any request for substantial modification of the membership will be subject to information by ADIS to the lending institution when it is a beneficiary.

E End of guarantees

The guarantees cease at the latest on the end date of the loan indicated in the special membership conditions or by operation of law on the date of total repayment of the loan if this is earlier.
The guarantees cease on the date of notification to the borrower of the termination of the loan contract.
However, in the event of the release of funds within three months following the effective date indicated in the special membership conditions, the end of the guarantees is automatically postponed for a duration equivalent to the difference between the date of release of the funds and the effective date stated in the special membership conditions.
In any case, the guarantees stop when the insured reaches the following age limits:

• Guarantee in case of death (Article 15): On the 85th birthday of the insured
• Guarantee in case of work incapacity, total or partial disability, or specific disability (AERAS) (Articles 17, 18, and 19): On the 70th birthday of the insured
• Total and Irreversible Loss of Autonomy (Article 16): On the 70th birthday of the insured

In the event of retirement, the incapacity, total or partial disability, and specific disability (AERAS) guarantees are automatically terminated, and the payment of benefits ceases.
The insured is obliged to inform ADIS of their retirement to allow for the modification of their guarantees and the adjustment of their contribution.
Otherwise, if the insured has not informed ADIS of their retirement, the payment of contributions does not entitle them to benefits under the incapacity, total or partial disability, or specific disability (AERAS) guarantees, as these have become irrelevant.

F Termination of membership

For real estate loans for residential or mixed use
In application of the Insurance Code, when the membership covers a real estate loan for residential use...

Termination of membership

Termination at any time

For mixed-use loans (residential and professional), the member may terminate their membership, with the agreement of the lending institution when it is a beneficiary, at any time from the signing of the loan offer.

The member must notify ADIS of their termination request by any means provided for in Article L 113-14 of the Insurance Code. This termination can be done online from the agipi.com website or by simple letter or any durable medium.

To allow for termination, the agreement of the lending institution, when it is a beneficiary, must be notified by registered letter or by electronic registered delivery, indicating the effective date of the insurance contract accepted by the lender in substitution for the ARC membership.

The termination will take effect 10 days after ADIS receives the acceptance decision from the lending institution or on the effective date of the accepted contract in substitution, if this is later.

A confirmation of the acknowledgment of the termination will be sent to the member specifying the effective date of the termination.

In accordance with Article L 113-15-3 of the Insurance Code, the member is informed annually, on paper or any other durable medium, of their right to terminate at any time provided, the methods of termination, and the various notification and information deadlines they must respect.

Termination for other loans

The member may terminate their membership, with the agreement of the lending institution when it is a beneficiary, on December 31 of each year or on the anniversary date of the signing of the loan offer by the borrower. The member must notify ADIS of their termination request by any means provided for in Article L 113-14 of the Insurance Code, and more particularly by simple letter or any durable medium, at least sixty days before this date.

A confirmation of the acknowledgment of the termination will be sent to the member specifying the effective date of the termination.

Practical arrangements

The termination request can be sent:

• either online, by activating the “terminate my membership” feature accessible from the agipi.com website
• or by post to the following address: ADIS, 12 avenue Pierre Mendes France, CS 10144, 67312 SCHILTIGHEIM Cedex.

The membership may also be terminated by ADIS in case of non-payment of contributions under the conditions set out in Article 7 C or intentional misrepresentation referred to in Article 7 A.

Article 6: Beneficiary of the benefits

A. Designation of beneficiaries

Upon membership, the member is invited to designate the beneficiary or beneficiaries of the sums due in case of death. This designation can also be made by private deed or by authentic act.

When the member specifically designates the beneficiary in case of death, they may provide the contact details of this beneficiary to ADIS. These will be used in the event of the insured's death. When ADIS is informed of the insured's death, it is obliged to search for the beneficiary, and if this search is successful, to notify them of the stipulation made in their favor.

The designation of a beneficiary or the substitution of one beneficiary for another can only be made, under penalty of nullity, with the agreement of the insured when they are not the member.

The member may also modify the beneficiary clause if it no longer seems appropriate. The member cannot modify the beneficiary clause if the initially designated beneficiary or beneficiaries have accepted their designation in the form indicated in B of this article.

In consideration of the loan granted by the lending institution, the beneficiary of the benefits in case of death, total and irreversible loss of autonomy, work incapacity, total or partial disability, and specific disability (AERAS) is the lending institution, unless otherwise specified in the special membership conditions.

When the lending institution is designated as the beneficiary, any request to modify the beneficiary will be subject to information by ADIS to the lending institution.

B. Beneficiary acceptance

The designated beneficiary may accept this designation from the date of release of the loan. If the release of the loan occurs after the effective date of the guarantees, the member designates the beneficiary or beneficiaries of the sums due in case of death during this period.

The designation becomes irrevocable upon acceptance by the beneficiary under the conditions provided in Article L 132-9 of the Insurance Code. Acceptance is made by an amendment signed by ADIS, the member, and the beneficiary. It can also be made by an authentic act or private deed signed by the member and the beneficiary and will only take effect with respect to the insurer when it is notified in writing to ADIS.

Article 7: Obligations of the member and the insured

A. Declaration of risk

Upon membership, the insured agrees to answer sincerely to the questions posed by ADIS in the documents provided to them for this purpose at the time of membership.

They particularly agree to declare their date and place of birth, their profession, and the conditions of its exercise. Furthermore, the insured agrees to respond to questions regarding their health status and medical history of all kinds.

However, in accordance with Law No. 2022-270 of February 28, 2022, known as the Lemoine Law, the insured is exempt from answering questions regarding medical acceptance if the following three cumulative conditions are met:

• the loan is covered by Article L 313-1 1° of the Consumer Code, namely if it aims to finance the following operations:
  • the acquisition in ownership or enjoyment of properties for residential or professional and residential use,
  • the purchase of shares or stocks of companies giving rise to the allocation in ownership or enjoyment of properties for residential or professional and residential use,
  • the carrying out of repair, improvement, or maintenance work on the aforementioned properties,
  • expenses related to the construction of properties for residential or professional and residential use,
  • the purchase of land intended for the construction of the aforementioned properties,
• the insured portion on the cumulative outstanding amount of credit contracts does not exceed €200,000 (examples in Appendix 2),
• the maturity of the insured loan ends before their 60th birthday.

These declarations serve as the basis for membership and for determining the contribution. In case of reticence or intentional misrepresentation, the member and the insured, if different, expose themselves to the nullity of the membership, in accordance with Article L 113-8 of the Insurance Code.

In case of omission or unintentional misrepresentation, the sanctions provided in Article L 113-9 of the Insurance Code may apply, notably a reduction of the benefit or an increase in contribution.

In case of an error regarding the age of the insured, the sanctions provided in Article L 132-26 of the Insurance Code may apply, notably nullity if the actual age is outside the limits set by this contract.

Article L 113-8 of the Insurance Code provides that membership is null in case of reticence or intentional misrepresentation on the part of the insured when this reticence or misrepresentation changes the object of the risk or diminishes its opinion for the insurer, even if the omitted or distorted risk by the insured had no influence on the claim.

The contributions paid remain acquired by the insurer, who is entitled to the payment of all due contributions as damages.

Article L 113-9 of the Insurance Code provides that the omission or inaccurate declaration by the insured, whose bad faith is not established, does not lead to nullity. If...

the omission or inaccurate declaration by the insured is discovered before any claim, the insurer has the right either to maintain the membership, subject to an increase in contribution accepted by the insured, or to terminate the membership ten days after notification sent to the insured by registered letter, refunding the portion of the contribution paid for the time during which the insurance no longer runs.

In the event that the discovery occurs only after a claim, the compensation is reduced in proportion to the rate of contributions paid compared to the rate of contributions that would have been due if the risks had been fully and accurately declared.

Article L 132-26 of the Insurance Code provides that an error regarding the age of the insured only leads to the nullity of the insurance when their true age is outside the limits set for the conclusion of contracts by the insurer's tariffs. In any other case, if due to such an error, the premium paid is less than that which should have been paid, the capital or guaranteed annuity is reduced in proportion to the premium received and that which would have corresponded to the true age of the insured. If, on the contrary, due to an error regarding the age of the insured, an excessively high premium has been paid, the insurer is obliged to refund the portion of the premium that it has received in excess without interest.

B Modification of loan conditions

The member must inform ADIS, within 12 months, in case of modification of the loan (modification of the borrowed capital, duration of the loan, interest rate, repayment methods); otherwise, the modification will take effect on the date of receipt of the request. The adjustment of guarantees to the new loan conditions is subject to ADIS's acceptance; otherwise, the guarantees cannot exceed those resulting from the initial loan conditions.

Flexibility of guarantees

In case of extension of the duration of the loan under the conditions provided by the initial loan contract, no new medical acceptance will be imposed if the modification leads to an extension of the duration limited to 60 months compared to the initial duration of the loan. This provision applies within the limits of the age limits for the end of guarantees (Article 5 E).

C Payment of contributions

The member undertakes to pay ADIS the contribution corresponding to the guarantees chosen by them. The amount due is payable within 10 days from the due dates, which are set according to the payment frequency chosen by the member. Monthly and quarterly contributions are payable by automatic debit.

Failure to pay a monthly or quarterly contribution will immediately make the balance of the annual contribution due.

Non-payment of contributions

In case of non-payment of a contribution or a portion of a contribution within 10 days following its due date, in accordance with the provisions of the Insurance Code and notably Article L 141-3, a registered letter is sent by ADIS to the member informing them that after a period of 40 days from the sending of this letter, the failure to pay the contribution or the due balance as well as any contributions that may have come due during said period will lead, without further notice, to the termination of the guarantees. The same information will be sent to the lending institution when it is a beneficiary, which may substitute the member for the payment of the contribution.

Article 8 Obligations of AGIPI and ADIS

ADIS carries out all necessary management acts: acceptance and issuance of memberships, collection of contributions, payment of benefits, monitoring of members' files, receipt of termination requests. ADIS may, in agreement with the insurer and AGIPI, delegate all or part of these tasks to an organization of its choice.

AGIPI, through ADIS, informs members of the status of their guarantees at each annual deadline, notably through the association's website (www.agipi.com) under the “members area” section.

Article 9 Deadline and methods of withdrawal

Withdrawal period

In all cases, the member may withdraw from their membership within a period of thirty calendar days from the moment they are informed that the membership to the contract is concluded. They are informed that the membership is concluded on the date of signing the special membership conditions and at the latest from the day of collection of the first payment of contribution.

In case of providing insurance operation at a distance, as defined by Article L 112-2-1 of the Insurance Code, the member may also withdraw from their membership within a period of thirty calendar days from the delivery of the contractual conditions and pre-contractual information, in accordance with Article L 222-6 of the Consumer Code, if this latter date is later than that mentioned above.

Methods of withdrawal

The withdrawal must be made by sending a registered letter, with a request for acknowledgment of receipt, addressed to ADIS.

The withdrawal should be addressed to: 12 avenue Pierre Mendès France,
CS 10144,
67312 SCHILTIGHEIM Cedex.

It can be done using the letter template below:

I, the undersigned,
Name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
First name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Address . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Fight against fraud and processing of personal data

The fight against fraud, the development of statistics and actuarial studies, the execution of legal, regulatory, and administrative provisions in force.

In any case, each processing of personal data carried out by ADIS is based on one of the following legal grounds:

• the consent of the member/insured,
• the execution of the contract or pre-contractual measures taken at the request of the member/insured,
• compliance with a legal obligation,
• the preservation of the public interest,
• the pursuit of a legitimate interest by the data controller, such as the prevention and detection of fraud.

The data of the member/insured will be retained for as long as necessary for these various operations, or for the durations specifically provided by the deliberations of the CNIL or the law.

The data of the member/insured may be communicated to the subscribing association, its insurers, reinsurers, and authorized professional organizations depending on the management needs. For those recipients located outside the European Union, the transfer is limited to countries listed by the European Commission as providing sufficient protection for data or to recipients complying with either the standard contractual clauses proposed by the CNIL or the internal corporate rules of the AXA group for data protection (BCR).

Data verification

ADIS is legally required to verify that the data communicated by the member/insured are accurate, complete, and, where applicable, to update them. Thus, the member/insured may be requested by ADIS to verify the information provided or to complete their file.

Upon membership and throughout the duration of the contract, the member/insured is informed that answers to certain questions may be mandatory and are necessary for the purposes mentioned in the first paragraph of this article. In case of false declarations or omissions, the consequences for the member/insured may be the nullity of the subscribed contract (Article L 113-8 of the Insurance Code) or the reduction of the paid indemnities (Article L 113-9 of the Insurance Code).

If the member/insured has given a special and express authorization for the use of certain data, they may withdraw it at any time provided that it does not concern information that conditions the application of the contract.

In accordance with the applicable legislation, the member/insured may access their data, oppose their processing or choose to limit their use, request their deletion, portability, or rectification in case of error, and define directives concerning the fate of their data after their death by writing to the following address:

ADIS - Data Protection Officer,
12 avenue Pierre Mendès France,
CS 10144,
67312 SCHILTIGHEIM Cedex.

In the event of a complaint regarding the processing of their data, the member/insured has the right to contact the CNIL.

Personal data collected by the Assistor

As the data controller, information concerning members/insured is collected, used, and retained by the Assistor for membership and claims management, in accordance with the provisions of applicable regulations regarding the protection of personal data and in accordance with their personal data protection policy.

By using the services of the Assistor, the member/insured consents to the Assistor using their data for this purpose.

Thus, in the context of its activities, the Assistor may:

1. use the information of the member or those of the persons benefiting from the guarantees, in order to provide the services described in this notice,
2. transmit the personal data of the member/insured and the data relating to their contract, to entities of the AXA Group, to service providers of the Assistor, to its staff, and to all persons likely to intervene within the limits of their respective attributions, in order to manage the claims file of the member/insured, provide them with the guarantees due under their contract, proceed with payments, and transmit this data in cases where the law requires or allows it,
3. proceed with the listening and/or recording of telephone calls of the member/insured in the context of improving and monitoring the quality of the services provided,
4. conduct statistical and actuarial studies as well as customer satisfaction analyses to better adapt its products to market needs,
5. send quality surveys (in the form of return requests or surveys) related to the services of the Assistor and other communications related to customer service,
6. use personal data in the context of a fraud prevention processing; this processing may lead, where applicable, to a registration on a list of persons presenting a fraud risk.

The Assistor is subject to legal obligations arising mainly from the Monetary and Financial Code regarding the fight against money laundering and the financing of terrorism and, in this respect, the Assistor implements a monitoring processing of contracts that may lead to the drafting of a suspicion declaration in accordance with the provisions of the Law in this matter.

The data collected may be communicated to other companies of the AXA Group, including for use for commercial prospecting purposes. If the member/insured does not wish for their data to be transmitted to the companies of the AXA Group or to a third party for use for commercial prospecting purposes, they may oppose it by writing to: Data Protection Officer, Inter Partner Assistance, 8-10 rue Paul Vaillant Couturier, 92240 MALAKOFF. Email: dpo.axapartnersfrance@axa-assistance.com

For any use of the personal data of the member/insured for other purposes or when the law requires it, the Assistor will seek their consent.

The member/insured may withdraw their consent at any time.

By subscribing to this contract and using its services, the member/insured acknowledges that the Assistor may use their personal data and consents to the Assistor using the sensitive data described above. In the event that the member/insured provides the Assistor with information about third parties, the member/insured undertakes to inform them of the use of their data as defined above as well as in the privacy policy of the Assistor's website (see below).

The member/insured may obtain, upon simple request, a copy of the information concerning them. They have the right to information regarding the use made of their data (as indicated in the privacy policy of the Assistor's website - see below) and a right to rectification if they notice an error.

If the member/insured wishes to know the information held by the Assistor about them, or if they have other requests regarding the use of their data, they may write to: Data Protection Officer, Inter Partner Assistance, 8-10 rue Paul Vaillant Couturier, 92240 MALAKOFF. Email: dpo.axapartnersfrance@axa-assistance.com

The entirety of the Assistor's privacy policy is available on the website: axapartners.fr or in paper format, upon request.

For any complaint to the National Commission for Information Technology and Freedoms (CNIL), the member/insured may write to the following address:
CNIL, 3 place de Fontenoy, TSA 80715, 75334 PARIS Cedex 07.

Personal data collected by JURIDICA

In the context of the guarantee, JURIDICA, as the data controller, will mainly use the data of the member/insured for the conclusion, management, and execution of it. It will also be...

Use of personal data

Personal data may be used in the context of:

• Litigation
• Fight against money laundering and financing of terrorism
• Compliance with applicable regulations
• Analysis of the data collected concerning the member/insured, possibly crossed with those of chosen partners, to:
  • Improve our products (research and development)
  • Evaluate or predict the situation of the member/insured (appetite scores)

The data relating to the health of the member/insured will be used exclusively for the execution of their contract, to which the member/insured consents by signing it.

Data retention

The data of the member/insured will be retained:

• For the time necessary for these various operations
• For the duration specifically provided by the CNIL (standards for the insurance sector) or the law (legal prescriptions)

They will only be communicated to insurance intermediaries, reinsurers, partners, or authorized professional organizations that need access to them for the realization of these operations.

For those recipients located outside the European Union, the transfer is limited:

• To countries listed by the European Commission as providing sufficient protection for data
• To recipients complying with either the standard contractual clauses proposed by the CNIL or the internal corporate rules of the AXA group for data protection (BCR)

The data relating to the health of the member/insured will only be communicated to the authorized subcontractors of the company with which the member/insured has signed the contract.

Data verification

JURIDICA is legally required to verify that the data are accurate, complete, and, if necessary, updated. JURIDICA may thus request the member/insured to verify this or may be led to complete their file (for example, by recording their email if the member/insured has written an email).

Rights of the member/insured

The member/insured may:

• Request access, rectification, deletion, or portability of their data
• Define directives regarding their fate after their death
• Choose to limit their use or oppose their processing

If the member/insured has given a special and express authorization for the use of certain of their data, they may withdraw it at any time provided that it does not concern information that conditions the application of their contract.

The member/insured may write to the data protection officer of JURIDICA to exercise their rights by email (cellulecnil@axa-juridica.com) or by mail (JURIDICA, CNIL Cell, 1 place Victorien Sardou, 78160 MARLY-LE-ROI). In case of complaint, the member/insured may choose to contact the CNIL.

For more information: https://www.juridica.fr/donnees-personnelles-et-cookies/

Telemarketing

If the member does not wish to be subject to commercial prospecting by telephone, they have the option to register for free on the BLOCTEL telemarketing opposition list.

For more information, the member can visit the site www.bloctel.gouv.fr

Article 12: Prescription

Prescription is a mode of extinction of a right resulting from the inaction of its holder after a period provided by law. No action or complaint regarding the membership can be undertaken beyond the prescription period.

Prescription is governed by the following articles of the Insurance Code:

Article L 114-1 of the Insurance Code

All actions deriving from an insurance contract are prescribed by two years from the event that gives rise to them. However, this period does not run:

1. In case of reticence, omission, false or inaccurate declaration regarding the risk incurred, only from the day the insurer became aware of it
2. In case of a claim, only from the day the interested parties became aware of it, provided they prove that they were unaware until then

When the action of the insured against the insurer is caused by the recourse of a third party, the prescription period only runs from the day this third party has taken legal action against the insured or has been compensated by the latter.

The prescription is extended to ten years in life insurance contracts when the beneficiary is a person distinct from the member and, in insurance contracts against accidents affecting persons, when the beneficiaries are the heirs of the deceased insured.

For life insurance contracts, notwithstanding the provisions of 2°, the actions of the beneficiary are prescribed at the latest thirty years from the death of the insured.

Article L 114-2 of the Insurance Code

Prescription is interrupted by one of the ordinary causes of interruption of prescription and by the designation of experts following a claim. The interruption of the prescription of the action may also result from the sending of a registered letter with acknowledgment of receipt sent by the insurer to the insured regarding the action for payment of the premium and by the insured to the insurer regarding the settlement of the indemnity.

The ordinary causes of interruption of prescription, stipulated in Articles 2240 and following of the Civil Code, are as follows:

• The acknowledgment by the debtor of the right of the one against whom they were prescribing
• The legal action, even in summary proceedings, and even when it is brought before an incompetent jurisdiction or when the act of seizing the jurisdiction is annulled due to a procedural defect
• A conservatory measure taken under the Code of Civil Enforcement Procedures or an act of forced execution

Article L 114-3 of the Insurance Code

By derogation from Article 2254 of the Civil Code, the parties to the insurance contract cannot, even by mutual agreement, modify the duration of the prescription or add to the causes of suspension or interruption of it.

For JURIDICA, it is appropriate to add as a cause of interruption:

• The acknowledgment of the right to guarantee, or any acknowledgment of debt on the part of the insured towards JURIDICA
• The request for legal aid that lasts until the moment the legal aid office makes a final decision

It is also interrupted by:

• The designation of experts following a claim
• The sending of a registered letter with acknowledgment of receipt or the sending of an electronic registered letter addressed by:
  • JURIDICA to the insured regarding the action for payment of the premium
  • The insured to JURIDICA regarding the settlement of the indemnity

Article 13: Complaints

The paragraph below specifies the methods for examining complaints and the recourse to the mediation process. This procedure does not, however, constitute a mandatory prerequisite for the member's right to initiate legal action and to bring the case before the competent court.

If the member wishes to make a complaint, they must contact in writing their advisor (their contact details are indicated on the letters and in the member area) or the management service with which they are in relation or, at any time, the service responsible for handling complaints depending on the nature of the dispute:

For insurance guarantees

• Via the contact form available on agipi.com/contact
• Or by mail to the following address:
  • ADIS, Member Voice Service, 12 avenue Pierre Mendès France, CS 10144, 67312 SCHILTIGHEIM Cedex

For assistance guarantees

• Via the contact form on www.axa-assistance.fr/contact
• Or by mail, to the following address:
  • Inter Partner Assistance, Customer Relationship Management Service, 8-10 rue Paul Vaillant Couturier, 92240 MALAKOFF

For legal protection guarantees

• By email to servicereclamations@juridica.fr
• Or by mail, to the following address:
  • JURIDICA, Complaints Service, 1 place Victorien Sardou, 78166 MARLY-LE-ROI Cedex

Their situation will be studied with the utmost care.

and care; an acknowledgment of receipt will be sent to them within 10 days and a response will then be sent to them within a maximum of 60 days.

In any case, the member can contact the mediator at the addresses below, two months after their first written complaint, whether or not they have received a response following their complaint, and in any case, within a maximum period of 1 year from their first complaint:

• electronically: on the site mediation-assurance.org
• by mail: The Insurance Mediation, TSA 50110, 75441 PARIS Cedex 09.

The mediator's intervention is free of charge. The mediator will formulate an opinion within 90 days from the date of receipt by the mediator of the member's complete file. Both parties, the member and AXA, remain free to follow or not the mediator's proposal. The member retains the possibility to contact the competent French court at any time.

Article 14: Insurer's control

The supervisory authority of the insurer and JURIDICA is the Prudential Control and Resolution Authority (ACPR):

ACPR,
4 place de Budapest,
CS 92459,
75436 PARIS Cedex 09.

The Assistor, as a Belgian law insurance company, is subject to the prudential control of the National Bank of Belgium located at Boulevard de Berlaimont 14, 1000 BRUSSELS, Belgium (www.bnb.be). The French branch of the Assistor is subject to the prudential control of the Prudential Control and Resolution Authority (ACPR).

---

Guarantee in case of death or total and irreversible loss of autonomy

Article 15: Death capital

A. Definition of the guarantee

A capital equal to the amount remaining due on the day of death, under the loan mentioned in the special membership conditions and up to the insured amount, is paid to the designated beneficiary(ies) in case of the insured's death, whatever the cause. To this end, the member must provide a copy of the notice specifying the loan conditions and a copy of the amortization schedule (or the schedule for bullet loans). The unpaid installments of the loan prior to death are not covered by the guarantee. In case of simultaneous death of co-borrowers, the capital paid under the same loan cannot exceed the amount remaining due on the day of death, under the loan mentioned in the special membership conditions.

B. Payment of benefits

The capital due is paid within 10 days following the submission of the necessary supporting documents (Article 28 A), subject to the agreement of coverage by ADIS.

Article 16: Total and irreversible loss of autonomy (PTIA)

A. Definition of the guarantee

The capital payable in case of the insured's death (Article 15 A) is paid immediately if the insured is in a state of total and irreversible loss of autonomy (PTIA) before their 70th birthday. An insured is considered to be in a state of total and irreversible loss of autonomy if they are definitively recognized as incapable of engaging in any occupation or work providing gain or profit, and whose functional disability rate is equal to 100% according to the Social Security work accident scale. Between the 60th and 70th birthdays of the insured, the assistance of a third party is required; before the 60th birthday of the insured, the assistance of a third party is not required. The payment of capital in case of PTIA terminates the membership. The unpaid installments of the loan by the insured and prior to the consolidation of the PTIA are not covered by the guarantee.

B. Payment of benefits

The payment of the sums due occurs as soon as the medical state of the PTIA is consolidated. The amount paid is equal to the capital remaining due at the date of consolidation of the PTIA under the loan mentioned in the special membership conditions and up to the insured amount.

---

Guarantee in case of work incapacity or total or partial disability

Article 17: Work incapacity

A. Definition of the guarantee

When mentioned in the special membership conditions, daily allowances are paid monthly up to the insured amount, for each day of work incapacity, when the insured is, due to illness or accident, in total incapacity, medically confirmed, to exercise their profession. For the insured who is unemployed or no longer exercising professional activity and has not liquidated their retirement rights at the time of work incapacity, daily allowances are paid up to the insured amount, for each day of work incapacity, when the insured is, due to illness or accident, in total incapacity to perform their usual non-professional activities. These daily allowances are, at most, equal to:

• 1/30th of the monthly loan installment in case of monthly repayment,
• 1/90th of the quarterly loan installment in case of quarterly repayment,
• 1/180th of the semiannual loan installment in case of semiannual repayment,
• 1/365th of the annual loan installment in case of annual repayment.

The unpaid installments of the loan prior to the work stoppage are not covered by the guarantee. In the case of a bullet loan, the daily allowances are equal to 1/365th of the annual interest amount. The payment of the capital due at the end of the loan by the borrower is always excluded from the incapacity guarantee. In case of incapacity or simultaneous disability of co-borrowers, the daily allowances paid under the same loan cannot exceed the amount of the loan installment under the loan mentioned in the special membership conditions.

B. Payment of benefits

The daily allowances are payable from the:

• 16th day of continuous work stoppage, when the member chooses a 15-day waiting period,
• 31st day of continuous work stoppage, when the member chooses a 30-day waiting period,
• 91st day of continuous work stoppage, when the member chooses a 90-day waiting period,
• 181st day of continuous work stoppage, when the member chooses a 180-day waiting period,

regardless of whether the incapacity results from an accident or illness. The choice of a 15-day or 30-day waiting period is not offered when the insured is not required to answer questions regarding their health status and medical history of all kinds (Article 7 A). Furthermore, access to the subscription of the 15-day waiting period depends on the profession exercised by the insured. The daily allowances are paid monthly as long as the total work incapacity lasts, and at the latest until the 1095th day after the start of the work incapacity. Any resumption of professional activity leads to the cessation of benefit payments. In case of a therapeutic part-time return, the allowances are maintained at 50% for a maximum duration of 90 days. In case of retirement, the work incapacity guarantee is automatically terminated. The payment of benefits ceases at the latest on the end date of the loan mentioned in the special membership conditions or by operation of law on the date of total repayment of the loan if this is earlier. The payment of benefits ceases on the date of notification to the borrower of the termination of the loan contract. In all cases, the guarantees cease during the period during which the insured is entitled to receive daily allowances under the maternity insurance benefits from their mandatory social protection scheme, even if the insured waives the right to benefit from all or part of this right. Regardless of the loan conditions, the payment of benefits cannot go.

Compensation for psychological disorders, asthenia and fibromyalgia, and disco-vertebral disorders

C. Compensation without hospitalization condition – Psy/Dos+ Option

These disorders as well as the methods of coverage are defined in Articles 21 B and 22. The member may, however, request to benefit from the Psy/Dos+ option.

The Psy/Dos+ option allows for the coverage of any work incapacity resulting from and/or arising from:

• psychological disorders, asthenia, and fibromyalgia defined in Articles 21 B and 22, without hospitalization condition, subject to a 90-day waiting period, or the waiting period provided in the special membership conditions if it is of a longer duration.
• If the subscribed waiting period is shorter than 90 days and in case of continuous hospitalization in a specialized facility exceeding the subscribed waiting period, the waiting period applied is that provided in the special membership conditions from the first day of hospitalization; in this case, the coverage of work incapacity begins, at the latest, 90 days after the start of the work stoppage.
• disco-vertebral disorders defined in Articles 21 B and 22, without hospitalization condition, subject to a 30-day waiting period, or the waiting period provided in the special membership conditions if it is of a longer duration.

This option is only acquired if mentioned in the special membership conditions.

D. Family Assistance Guarantee

Definition

Daily allowances are paid in case of total or partial cessation of activity of the insured to accompany a seriously ill child, a child with a disability, or a child who is a victim of a serious accident.

Payment of benefits

If the work incapacity guarantee is subscribed, these allowances are paid if the following conditions are met:

• the dependent child is diagnosed before their 20th birthday with an illness, a disability, or is a victim of a serious accident requiring the presence of the insured parent by their side,
• the insured parent receives the Daily Parental Presence Allowance (AJPP) defined in Articles L 544-1 and following of the Social Security Code, the first payment of which is subsequent to the effective date of the membership,
• the insured parent temporarily ceases their professional activity to care for the child,
• the ARC contract covers a real estate or professional loan.

These daily allowances correspond to 50% of the daily allowances provided in case of work incapacity as defined in Article 17 A.

The daily allowances are payable from the first day of payment of the Daily Parental Presence Allowance (AJPP), and at the earliest from the effective date of the work incapacity guarantee.

The payment of daily allowances and the exemption from the payment of contributions (Article 20) cannot exceed a total of €4,000 per month and per insured.

Limits of guarantee

The daily allowances are paid for a maximum duration of 14 months per dependent child and per pathology, renewable once. Payment ceases:

• if the insured parent is no longer able to provide the supporting documents for the payment of the Daily Parental Presence Allowance (AJPP),
• at the latest on the end date of the loan mentioned in the special membership conditions or by operation of law on the date of total repayment of the loan if this is earlier,
• from the 70th birthday of the insured,
• in case of payment of benefits under the guarantees in case of incapacity or disability.

Article 18 Total or partial disability

A. Definition of the guarantee

The insured is in total or partial disability if their work or earning capacities are diminished. When mentioned in the special membership conditions, the daily allowances defined in Article 17 A are paid quarterly up to the insured amount, for each day of disability, if the insured is affected due to illness or accident by a disability whose disability rate (n) is equal to or greater than 66%.

When the disability rate (n) is less than 66% but greater than or equal to 33%, the insured receives a fraction of the daily allowances defined in Article 17 A, obtained by applying the compensation rate defined in Article 18 B.

The allowances cease to be due from the moment the disability rate (n) becomes less than 33%. The disability rate set in the conditions below is not linked to that set by the mandatory scheme.

The unpaid installments of the loan prior to the consolidation of the disability do not fall within the scope of the guarantee. In the case of a bullet loan, the payment of the capital due at the end of the loan by the borrower is always excluded from the disability guarantee.

In case of incapacity or disability of co-borrowers, the daily allowances paid under the same loan cannot exceed the amount of the loan installment under the loan mentioned in the special membership conditions.

B. Setting the disability rate (n)

1. Cross scale

For insured persons exercising a professional activity, the disability rate (n) is assessed based on functional disability and professional disability. For insured persons unemployed or no longer exercising professional activity, the disability rate (n) is assessed solely based on functional disability.

Functional disability

Functional disability is determined according to the work accident scale of Social Security and defined following expertise. For the professions mentioned below, functional disability is established according to a specific scale:

• anesthetists-resuscitators and specialist doctors with a dominant surgical activity (dermatologists, gynecologists-obstetricians, ophthalmologists, ENT specialists, urologists, for whom surgical activity represents at least 50% of income),
• architects,
• audioprosthetists,
• lawyers,
• biologists (doctors),
• biologists (pharmacists),
• chiropractors,
• surgeons,
• dentists, orthodontists, and stomatologists,
• auditors,
• auctioneers,
• judicial officers,
• accountants,
• surveyors,
• clerks of commercial courts,
• bailiffs,
• nurses, physiotherapists, speech therapists, podiatrists,
• judicial administrators-mandatories,
• general practitioners,
• specialist doctors,
• notaries,
• opticians,
• orthoptists,
• osteopaths,
• pharmacists,
• midwives,
• veterinarians.

The benefit of the specific scale is acquired if mentioned in the special membership conditions. The scale is then annexed to the special membership conditions. The member may opt, instead of this specific scale, for the work accident scale of Social Security.

Professional disability

Professional disability is defined following an expertise. It is assessed, from 0 to 100%, based on the nature of the disability concerning the profession exercised. Consideration is given to how the profession was exercised prior to the illness or accident, the normal conditions of exercising the profession, the remaining professional capacities, and the possibilities of adaptation, as well as the repercussions of this disability on the professional income of the insured. It is up to the insured to provide the supporting elements of their professional disability.

Disability rate

The disability rate (n) to be applied for calculating the guaranteed allowances is determined based on functional and professional disability, by the following table; this rate is revisable, upwards or downwards, according to the evolution of the insured's disability.

Determination of the compensation rate - Corrective rate

When the disability rate (n) is less than 66% but greater than or equal to 33%, the following corrective rates are applied:

Determination of the compensation rate - Rate n/66

Instead of applying the above corrective rate, the insured may opt for a determination of the compensation rate according to the formula n/66. In this case, when the disability rate (n) is less than 66%, but greater than or equal to 33%, the compensation rate equal to n/66 is applied. This option is only acquired if mentioned in the special membership conditions.

Professional disability option

If the insured exercises one of the professions benefiting from a specific scale, they may opt for a determination of the disability rate (n) solely based on professional disability, instead of the determination of the disability rate according to a cross scale described in 1 of Article 18 B. This option is only acquired if mentioned in the special membership conditions.

Professional disability is determined under the conditions defined in Article 18 B “professional disability.”

Determination of the disability rate

The disability rate (n) to be applied for calculating the guaranteed allowances is determined based on the professional disability of the insured. In any case, the disability rate (n) retained cannot be lower than the rate resulting from the specific scale relating to the profession of the insured.

Determination of the compensation rate

When the disability rate (n) is less than 66%, but greater than or equal to 33%, the compensation rate equal to n/66 is applied.

Functional disability rate	10	20	30	40	50	60	70	80	90	100
10	10.00	10.56	11.11	11.67	12.22	12.78	13.33	19.89	26.44	33.00
20	10.56	20.00	20.63	21.25	21.88	22.50	23.13	27.09	31.04	35.00
30	11.11	20.63	30.00	30.71	33.00	34.00	35.00	36.00	37.00	38.00
40	11.67	21.25	30.71	40.00	40.83	41.67	42.50	43.33	44.17	45.00
50	12.22	21.88	33.00	40.83	50.00	50.60	51.20	51.80	52.40	53.00
60	12.78	22.50	34.00	41.67	50.60	60.00	60.50	61.00	61.50	62.00
70	13.33	23.13	35.00	42.50	51.20	60.50	70.00	70.67	71.33	72.00
80	19.89	27.09	36.00	43.33	51.80	61.00	70.67	80.00	81.00	82.00
90	26.44	31.04	37.00	44.17	52.40	61.50	71.33	81.00	90.00	91.00
100	33.00	35.00	38.00	45.00	53.00	62.00	72.00	82.00	91.00	100.00

(n) Corrective rate