Cardif General Insurance Launches "Dementia" Loan Repayment Protection for Home Loans ~Available from Keiyo Bank starting May 1, 2026~

Cardif General Insurance Co., Ltd. (President and Representative Director: Tomoyuki Takaya) has developed a new special rider*¹ for customers utilizing financial institutions' home loans, which guarantees loan repayment in the event of hospitalization due to "dementia" and inability to work. Starting May 1st, it will be available to new home loan borrowers at Keiyo Bank. This protection provides a monthly loan repayment equivalent for up to 12 months if a home loan debtor is hospitalized due to dementia and remains unable to work (state of inability to work) for a specified period. Furthermore, if this condition continues for more than 12 months, the entire outstanding loan balance at that time will be guaranteed. This is the industry's first*² to attach loan repayment protection (monthly loan repayment amount and outstanding balance) in cases of "dementia" hospitalization to financial institutions' home loans. In recent years, as home loan borrowing periods tend to lengthen, home loan debtors need to prepare for loan repayment with a longer-term perspective than ever before. In addition, according to a survey by the Ministry of Health, Labour and Welfare, the number of hospitalized patients by illness, including mental disorders such as dementia, is the highest, and the average length of hospitalization tends to increase with age*³. Among these, early-onset dementia makes it difficult for the working generation to balance work and treatment, leading to休職 or離職, thus affecting their financial situation. By adding this new protection, which expands coverage to "dementia" previously excluded from the home loan repayment lineup, customers can take out home loans with greater peace of mind than ever before. Cardif General Insurance will provide customers with further peace of mind and financial institutions with added value that leads to differentiation from competitors by offering robust protection for home loan repayment. Guarantees loan repayment when hospitalized and unable to work due to all illnesses and injuries, including "dementia"*⁴. If a home loan debtor is hospitalized due to dementia and becomes unable to work, and the loan repayment date arrives, the monthly repayment amount is guaranteed. Furthermore, if this condition continues for more than 12 months, an amount equivalent to the outstanding loan balance at that time is guaranteed. This guarantees loan repayment for hospitalization due to all illnesses and injuries, including dementia*⁴. *1 Official name: "Disability Credit Expense Insurance (including special provision for the scope of disability due to mental disorder)" *2 According to our company's survey (as of March 2026) *3 Reference from the Ministry of Health, Labour and Welfare's "Patient Survey 2023" *4 Some conditions, such as mental disorders, may be excluded from coverage. Also, the covered illnesses, injuries, presence of hospitalization, and other conditions may vary depending on the financial institution. About Cardif General Insurance Co., Ltd. Cardif General Insurance Co., Ltd. is the Japanese base of BNP Paribas Cardif, which handles the insurance business of BNP Paribas, one of the world's leading financial groups based in France. We operate primarily with banks as partners, through a "bancassurance" business model that creates new value by combining financial institution products with insurance. In particular, our main products are insurance that supports loan repayment when unable to work due to illness or injury during home loan repayment, or when involuntarily unemployed due to company bankruptcy or restructuring.