Continuously monitor ESG trends and incorporate ESG issues into the product development process. Establish inclusive product measurement mechanisms and consistently provide insurance products that align with the public's life plans. Ensure fair treatment of customers and achieve financial inclusion.

Adhere to relevant regulations governing insurance product design and development during the product development process. Conduct pre-sale "Insurance Product Management Committee" meetings and "Insurance Product Evaluation Team" meetings. Implement post-sale review mechanisms through the "Insurance Product Management Committee" to regularly assess sales conditions, ensuring sustainable operations and the protection of consumer rights.

Ensure product promotions comply with legal information disclosure requirements. Draft product terms and conditions in accordance with the demonstration clauses provided by the competent authority, and complete reviews according to legal procedures. Following the "Regulations Governing Public Disclosure of Information by Life Insurance Enterprises," we provide sample policy contract clauses in the information disclosure and product sections of our official website, allowing customers to understand the details of our products.

With respect to the review and approval mechanisms of application documents, the Company has formulated the "Insurance Product Sales Operations" and "Advertising and Press Release Operations" in accordance with the "Regulations Governing Implementation of Internal Control and Auditing System of Insurance Enterprises" in the internal control system. In compliance with the "Self-Regulations for Solicitation Advertisement in the Insurance Industry", the Company has formulated the "Management Regulations on the Use of Promotion Materials for Product Sales" to specify that information on insurance products, advertisements, and business solicitation activities should be truthful and accurate, and the contents should be clear and precise with a warning message to protect the rights and interests of policyholders.

For products or services labeled as "green" or "sustainable", it is required to check whether the relevant statements comply with the principles set forth in the "Reference Guidelines for Financial Institutions on Anti-Greenwashing" when they are disclosed in external press releases.

Establish the "Business Solicitation Processing and Procedures System" to ensure that business units and insurance agents provide policyholders with sufficient, truthful and accurate information when engaging in advertising, business solicitation, and business promotion activities to protect the rights and interests of policyholders. Meanwhile, strengthen efforts to ensure that sales representatives fully understand that the insurance premiums paid by customers are used to purchase insurance products, understand the type of insurance applied for, the insured amount, and whether the premium expenditure is commensurate with the customer’s actual needs, and understand the customer’s ability to bear exchange rate risks, in order to ensure that the product and service are suitable for the customer.

Establish the “Guidelines for the Implementation of the Fair Customer Treatment Principles,” which require application documents to include questions designed to understand policyholders’ current circumstances and product needs. Before entering into an insurance contract, sales representatives are required to interview policyholders based on these questions and conduct a product suitability analysis, including mechanisms such as classifying customers according to their risk tolerance based on the assessment results. When entering into a contract, sales representatives must explain the product features and coverage details item by item to ensure that customers have sufficient information to select the most suitable product.

Launch the “Sales Representative Risk Analysis System” to identify risk alerts and prevent the misappropriation or embezzlement of policyholder funds through improper solicitation or service conduct by sales representatives.