Employee health and safety is the foundation of an enterprise, and creating a quality work environment not only brings tangible positive benefits to an enterprise, but also brings intangible human influence. Therefore, SKL is committed to promoting the concept of "Holistic, Comprehensive, and Full Protection," and the Occupational Safety and Health Committee has worked together to formulate an occupational health and safety policy, which is signed by the highest level of supervisors and then publicized for public information. At the same time, SKL also protects the physical and mental health of its employees, and their balance of work and life through a wide range of fun and interesting health-promoting activities, as well as through health and safety risk control, in order to become a happy company for its employees.

Dual-System Certification of "ISO 45001 Occupational Health and Safety Management System" and "TOSHMS Taiwan Occupational Health and Safety Management System"

Dedicated to building a comprehensive safety and health protection network, SKL became the first insurance company to obtain ISO 45001 certification in 2019.

• Dual-system certification: Passed the ISO 45001 and TOSHMS dual-system certifications with "zero major non-conformities" in 2023, and successfully passed the surveillance audit in 2025.
• 100% full coverage: The certification scope extends to all locations nationwide, covering administrative personnel, business agents, and construction contractors.
• Exceeding regulatory requirements: Dedicated occupational safety and health managers and health managers are stationed at key buildings across various regions to provide immediate workplace care.

Creating a healthy and safe workplace environment

SKL provides comprehensive employee care, and has established a dedicated and all-round occupational safety and health team superior to statutory requirements: occupational health and safety management personnel, health managers, counseling psychologists. We formulate occupational health and safety management plans, labor health management plans, and mental health promotion plans every year to jointly promote various measures for the physical and mental health and safety of employees, and implement systematic management using the Plan-Do-Check-Act (PDCA) cycle. The Company conducts phased reviews and demand adjustments during the implementation of each plan, and reports the effectiveness of the review and improvement actions to senior management to ensure that the goals of each program are achieved and continuous improvement is made.

Occupational safety and health risk assessment and control measures

Workplace Safety and Health Risk Matrix

• Note 1：Level of Impact: The degree of harm to the company's image or to the health and safety of individual employees
• Note 2：Frequency of Occurrence: Occurrence frequency and the proportion of abnormal health are set according to the Company's statistical data in the past years

Occupational Safety and Health Management and Accident Handling Mechanisms

The Company regards the safety and health of employees as the cornerstone of sustainable corporate operations. To implement the Occupational Safety and Health Act and pursue the goal of "zero disasters, zero disabled injuries," we have established an active management system that exceeds regulatory standards.

1. Active Reporting Culture with All-Employee Participation: The Company has collaborated with the IT unit to build a convenient "Occupational Safety Accident Reporting System" and established rigorous authority and responsibility operation specifications. We are committed to fostering a corporate culture of "all-employee reporting and early warning," advocating that "regardless of size, any health and safety incidents or concerns related to work can be reported."
2. Cross-Team Professional Care Mechanism: To ensure that affected employees receive the most comprehensive care, upon system reporting, cases are automatically referred to professional teams based on the nature of the incident:
   • Health Managers: Provide post-injury nursing education and on-site health consultation, and track employees' recovery progress.
   • Counseling Psychologists: Provide professional psychological support and counseling when workplace stress, psychological trauma, or unlawful infringement is involved.

Responsible Supply Chain and Contractor Occupational Safety and Health Management

We implement supplier management through rigorous systems and actively collaborate with partners to create a safe working environment.

1. Commitment and Implementation of the Responsible Supply Chain: Adhering to the financial holding company's supplier management norms, the Company requires partner vendors to sign the "Supplier Commitment Letter" to ensure they meet the Company's standards in labor human rights, occupational safety and health management, and environmental sustainability. In 2025, the signature rate reached 100% among the 193 actual cooperative suppliers and 331 bidding participants. We actively mentor key partners (such as Shin Kong Property Management Co., Ltd.) to participate in ISO 45001 and TOSHMS verifications, driving overall supply chain safety and health management improvements through audit experience sharing.
2. Rigorous Contractor Selection and Procurement Mechanisms: To prevent operational risks, we incorporate occupational safety and health performance as a key indicator in procurement decision-making:
   • Selection Optimization: Priority is given to vendors with safety and health awards, implemented management systems, or no major violations in the past three years.
   • Externalization of Safety Costs: For engineering projects with a total price of NT$ 1 million or more, it is mandatory to separately budget safety and health expenses (0.3% to 3% of the total price) for dedicated use, preventing vendors from sacrificing safety standards due to price competition.
3. Dynamic Entry Control and High-Risk Operation Management: The Company has established the "Guidelines for Occupational Safety and Health Implementation in Contract Work and Change Management" to ensure that the entire construction process remains under control:
   • Entry Declaration: Personnel entry management is executed according to the construction roster.
   • High-Risk Operation Control: For high-risk items such as exterior wall cleaning and high-altitude operations, vendors must submit safety licenses, education and training records, and health checkup reports, and work can only commence after safety measures are confirmed in a joint organization meeting.
   • Audit Supervision: Internal and external audits confirmed that all high-risk contracting operations implemented safety check points in 2025.