Climate change-related risk or climate risk is the risk posed by the exposure of the company to transition, physical and/or liability risks caused by or related to climate change. The Company plans to extensively integrate climate risk management into its underwriting processes, investment practices, and business continuity plans. The major effects on mortality rates, morbidity rates, premium rate sand reserve requirements due to climate change shall be assessed to incorporate the impact of climate change risk on the Company. In line with the Orderly Scenario defined by Network for Greening Financial System (NGFS), the Company plans to implement innovative plans and increase stringency of its policies for climate risk management. Initiatives of inclusive awareness program, power use protocols, digitization of workflows to reduce paper usage as well as regular tree plantation programs aim to tackle concerns of climate risk.