Shareplan for a.s.r. employees

• Employees of a.s.r. and its wholly-owned subsidiaries (unless otherwise provided) can subscribe for shares in ASR Nederland on the day of publication of the interim and annual results.

• Allocation will take place subject to deduction of a fixed discount percentage of 18.5% on the opening price on the third trading day after publication of a.s.r.’s interim and annual results respectively, unless otherwise provided. Example: if the opening price on the third trading day after publication is EUR 40, the purchase price for employees participating in the share plan will be EUR 32.60.

• Once allocated, the shares are blocked during a period of five years (“lock-up period”). During this period, the shares may not be sold. No exceptions will be made to this rule, unless otherwise provided.

• The minimum subscription amount is EUR 250 and the maximum subscription amount is EUR 10,000 per subscription moment per employee.

• In the exceptional situation where the subscription exceeds the number of shares that a.s.r. can or has been able to purchase, the shares will be allocated pro rata based on the size of the amount you subscribed for. The remaining amount will then be refunded to the bank account number you provided.

• The shares are held in an account of ASR Nederland N.V. with ABN AMRO Bank until the end of the lock-up period. This so-called omnibus account is a collective account that holds all the shares of participants in the a.s.r. share plan.

• After allocation of the shares, you get access to the tOption tool. That is an online environment of ABN AMRO Bank, where you can see, among other things, your shares and their current value. If you have previously registered with the share plan for a.s.r. employees, the shares allocated to you will be incorporated into your existing portfolio in tOption.

• At the end of the lock-up period (after five years), the shares must be sold within 30 calendar days or transferred to your (yet to be opened) own securities account. Please note that if you are designated as an insider (a.s.r.-insider, extended insider, special insider or temporary insider), additional conditions apply when selling your shares or transferring them. If your ASR Nederland shares have not been sold and/or transferred after these 30 calendar days, your shares will be sold by a.s.r. and the proceeds will be transferred to your bank account, which is listed in tOption. By participating in the share plan and accepting the shares, you grant irrevocable power of attorney to ASR Nederland N.V. to effect this sale and transfer on your behalf. You also agree to the associated costs.

• During the lock-up period, the costs of purchasing, managing and custody of the shares will be borne by a.s.r. After the lock-up period, the costs of selling will be for your own account. If you opt for a transfer to your own securities account after the lock-up period, any transfer costs of ABN AMRO Bank will be borne by a.s.r. The receiving financial institution may charge costs. These costs will be at your expense. After transfer, all costs of selling, managing and custody of the shares, among other things, are for your own account.

• Participation in the share plan is entirely voluntary and at your own expense and risk.

• Investing in equities involves risks. Examples of risks are price risk, market risk and concentration risk. A poorly diversified portfolio can also have an impact. You can make a profit but you can also lose money. At most, you can lose your deposit.You should decide for yourself whether you can and want to take investment risks. If you are unsure whether investing in ASR Nederland shares is right for you, it is important to seek advice from a financial advisor before you decide to subscribe.

• It is important to consider carefully whether you can spare the amount of your participation for five years.

• For more information read the Information document share plan a.s.r. employees.

• On the day of subscription for shares, you have an employment contract with a.s.r. or one of its wholly-owned subsidiaries (unless otherwise provided).

• On the day of subscription for shares, you are still employed.

• On the day of subscription, you must have been employed for at least two full calendar months under an employment contract with a.s.r. or with one of a.s.r.'s wholly-owned subsidiaries (unless otherwise specified), which itself must also have been part of a.s.r. for at least two full calendar months.

• At the moment of subscription for shares, you do not have any inside information relating to a.s.r. or financial instruments (and/or derivatives thereof) issued by a.s.r. (see ‘Rules on Dealing with Inside Information and Private Transactions in Financial Instruments’)

• You will receive a message at your business email address with a hyperlink (URL) to the subscription form. You will then receive a separate message with a password.
• Sick employees on long-term sick leave who cannot use their business email for an extended period, will also receive a letter at their home address.
• Subscription is only possible on the day of publication of the interim/annual results.

Day of subscription (on the day of publication of the interim and annual results)
The subscription form will be available after publication of the interim and annual figures. If you want to participate in the share plan, fill in your details and the amount you want to subscribe for on the subscription form. Please note: enter your private email address on the subscription form so that we can always reach you via the ABN AMRO Bank online environment (tOption), even after you leave employment. Registration with the share plan is only possible on the day of publication of the interim and annual results (day of subscription) until 21:00 (CET). At 21:00 (CET), the subscription closes and participation is no longer possible.

1st trading day after publication of the interim and annual results
The amount you have subscribed for must have been credited to the omnibus account at ABN AMRO Bank no later than the first trading day after the publication of the interim and annual results. If the amount has not been credited on time or if the amount does not match the amount you had subscribed for, your subscription and thus your participation for this subscription moment will be cancelled. The amount will be refunded to the bank account you specified at your registration.

3rd trading day after publication of interim and annual results
Shares are allocated at the opening price of that day less a fixed discount rate of 18.5%. ABN AMRO Bank will take several days to process the allocation. You will then receive your login details for ABN AMRO Bank’s online environment (tOption). Through this tool, you can view your shares and their current value, among other things. If you have previously registered with the a.s.r. share plan, the shares allocated to you will be incorporated into your existing portfolio in tOption. Any balance remaining after purchase will be refunded to the bank account number you provided.

Subscription is once-only in each case. If you want to participate again at the next subscription opportunity, you must fill in the subscription form again and transfer the amount of your participation in time. You will be informed about the next subscription moment well in advance.

• On Wednesday 19 August 2026 it is possible to subscribe for shares from the publication of the annual results until 21:00 (CET)..

• By Thursday 20 August 2026 at the latest, the amount you have subscribed for must have been credited to ABN AMRO Bank’s omnibus account.

• Shares will be allocated at the opening price on Monday 24 August 2026 minus 18.5% discount.Shares will be allocated at the opening price on Monday 23 February 2026 minus 18.5% discount.

Information document share plan for a.s.r. employees

Q&A Share plan

Rules on Dealing with Inside Information and Private transactions in Financial instruments

Make sure your details are up to date in tOption so that we can always reach you, even if you are no longer working for a.s.r., for example. You are responsible for the accuracy of your (personal) data in tOption.

When an immediate relative dies, there are many things you have to deal with. If the deceased was a participant in the share plan for a.s.r. employees, there are a number of things you need to know.

• The share plan has a lock-up period of five years. This has to do with the 18.5% discount on the purchase price of the shares. This discount was agreed with the Tax and Customs Administration under the condition that the shares are blocked during a period of five yearsa.s.r. does not grant any exceptions to the lock-up period.
• In case of death, it is important that the surviving dependants of the share plan participant contact Human Resources (HR@asr.nl).
• In case of death, we need a number of documents to adjust the name details in tOption, among other things, such as the death certificate and the declaration of proof of inheritance. After the notification, your surviving dependants will be informed which documents should be sent to a.s.r.

All shares must be sold and/or transferred to your own securities account within 30 calendar days after the end of the lock-up period, unless otherwise provided. Please note: if you are designated as an insider (a.s.r.-insider, extended insider, special insider or temporary insider), additional conditions apply when selling your shares or transferring them.

If the ASR Nederland shares have not been sold or transferred after this period, an order will be issued to sell your shares and the net proceeds (after deduction of costs) will be transferred to your bank account.

For more information about the unlocking process, the conditions and the costs, please refer to the Q&A Unlocking Share Plan for employees.

• If you still have any questions after reading all the information, please contact a.s.r.’s Share Plan Team. This also applies to questions about your subscription.

• If you have any questions regarding unlocking, please contact a.s.r.'s Share Plan Team Unlocking.

• If you have any questions about ABN AMRO Bank’s online tool, please refer to ABN AMRO Bank’s support desk on asr@toption.com.

Below are the rules and conditions of previous subscription moments. (The documents 2021 - 2023 are only available in Dutch)