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1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

2 0 1 5 S U S TA I N A B L E D E V E L O P M E N T A N D S O C I E TA L R E S P O N S I B I L I T Y R E P O R T THE POWER

OF ONETHE POWER OF ONE

S S Q F I N A N C I A L G R O U P . . . 2 0 1 5 A N N U A L R E P O R T

1

1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

2015 SUSTAINABLE DEVELOPMENT AND SOCIETAL RESPONSIBILITY REPORT

The third stage of the sustainable development and societal responsibility (SDSR) plan was reached in 2015. The actions taken gave results that were more than satisfactory. We are proud to report that the 5-year plan is 85% completed.Summary: • 15 actions implemented • 43 gestures taken to reach our objectives• 52 indicators for the gestures taken; 44 of which

have been completed and 8 are in progressOur responsibility is for this plan to stay on course so that SSQ continues to meet the challenges ahead on the social/human as well as economic/environmental scale to help build a better future. 85%

Plan status:

2015 SUSTAINABLE DEVELOPMENT AND SOCIETAL RESPONSIBILITY REPORT


2

PARTNERSHIPS AND EMPLOYEE INVOLVEMENT

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1

Amount raised through the SSQ Quebec City Marathon and donated to Mères et monde community centre and residence

$101,091

+6%A remarkable 6% increase in contributions to United Way Centraide

SSQ becomes title sponsor of this new sports event in collaboration with the city of Longueuil


3

INNOVATION

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1

In online group insurance claims

122% increase

Cancer insuranceThe launch of cancer insurance, an individual insurance product sold 100% online

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

New portal for glaziers New portal for automated processing of some 10,000 broken windshield claims every year. This program is complementary to our mobile and online service offer to insured members and intermediaries

The launch of SSQ’s program for SMEs, an eco-friendly and 100% paperless group insurance product, addressing the specific insurance needs of small businesses


4

INNOVATION

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

42% increase In downloads of the app for group insurance claims

One single website for the entire GroupIntegration of ssqauto.com with ssq.ca

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1

100% of requests for donations and sponsorships are now submitted online

100%


5

AWARDS AND CERTIFICATIONS

Active EnterpriseSSQ obtained the Active Enterprise certification – reflection of the significant employee participation in the SSQ Quebec City Marathon

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1

Healthy Enterprise – Elite

Employer of the month on Jobboom Healthy Enterprise – Elite re-certification

Presentation of SSQ, its corporate structure, values and working environment: a nice way to attract potential candidates


6

ENVIRONMENT

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

Drinking water5% reduction in drinking water consumption at SSQ 2525 and SSQ 2505 in Quebec City 1,000 trees

Nearly 1,000 trees planted since 2009 to offset greenhouse gases generated by the annual meeting

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1

Environment committeeCreation of an environment committee made up of employees, to propose activities aimed at reducing the Company’s environmental footprint

Energy efficiency18% improvement in energy efficiency at SSQ Place in Toronto, lowering energy costs by 15%


7

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

HUMAN COMMITMENT

ACTION 1 – Offer an accessible and high-quality customer experience

Gestures Indicators 2015 Report

1. Conduct the necessary surveys to measure member and customer satisfaction rates with our products and services

• Surveys measuring the satisfaction of our insured members, customers and partners

• Nearly 90% of insured members are satisfied or totally satisfied with the overall claim experience at SSQauto

• In progress in the other sectors

• Goals of excellence by business sector

• In progress

2. Develop and maintain specific training programs for employees who work for different customer service departments at SSQ

• Training new employees within six months

• Leverage management, development and training projects through the consolidation of all training activities in the group insurance sector

• Tools for the management of training requests and measurability of operations

• Grouping trainers under the Centre for training expertise and operational information

3. Expand our mobile and online services

• Feasibility study detailing the online needs to add to the overall offering

• New version of the group insurance mobile app released in May integrating online claims with several other services for plan members

• Surveys to determine additional needs for online services

• Survey available at ssq.ca

Status: Completed In progress


8

ACTION 1 – Offer an accessible and high-quality customer experience (cont’d)


3. Expand our mobile and online services (cont’d)

• Services with low environmental impact

• Product pamphlets for Privilege group insurance have been compiled: from 17 different documents into only 4

• Return envelopes no longer sent to Privilege insureds

• Paper copies of client investment statements no longer sent to financial advisors. These are now accessible online

• Paperless processing of 100% of auto and home claims

• SSQauto receives invoices in e-format

• New mobile and online services

• Online claims integrated with group insurance mobile app, allowing insureds to submit their claims via smartphones and obtain reimbursement in less than 48 hours

• New innovative initiatives at SSQauto, such as the portal for glaziers to process some 10,000 broken windshield claims every year

• Sustained presence for SSQauto customers through several communication channels

4. Promote the use of our online services among our insured members

• Increased use of online services

• 50% of group insurance members registered for the transactional website, and nearly 40% enjoy reimbursement by direct deposit, an increase of 30%

• The new Health InSight newsletter was launched providing information and news in healthcare, and emailed to 276,000 insureds and partners in group insurance



9

ACTION 1 – Offer an accessible and high-quality customer experience (cont’d)


4. Promote the use of our online services among our insured members (cont’d)

• Identification of the objectives of online services by business sector

• Objectives defined for group insurance• Objectives in development for individual

insurance and investment• Objectives defined for SSQauto

5. Promote the efficiency and speed of SSQ Mobile Services for submitting claims

• Increased use of SSQ Mobile Services

• Promotion of 48-hr reimbursement• 122% increase in online claims • 42% increase in downloads over last year

ACTION 2 – Encourage employees to become agents of change in sustainable development


1. Make employees aware of sustainable development principles

• Activities to make employees aware of the SDSR principles

• Environment committee of SSQ employees implemented. Its goal is to develop initiatives to reduce the Company’s environmental footprint

• Several activities completed as part of the environment week in June, which included the publication of a capsule on sustainable development and implementation of awareness activities

• The Group’s SDSR plan presented to all new employees

2. Build a shared company vision through a communi-cations platform dedicated to attracting and retaining employees

• Internal SDSR communi-cations plan and employee mobilization activities

• Communication plan released to 27 SDSR committee members from the various sectors

• Publication of annual results to all employees



10

ACTION 3 – Maintain a high level of employee expertise


1. Encourage employees to develop skills that help them reach their potential and meet the needs of our customers

• Budget percentage allocated to employee training

• Percentage of SSQ Financial Group’s payroll maintained at 2.8%

2. Set up a leadership training and professional development program for managers

• Training and professional development programs

• Group leadership training taken by two cohorts of new managers through LEAD, a program for management staff development

• Leader of influence module launched in the fall of 2015. This is a training program for vice-presidents and senior directors

• Budget for individual employee training maintained

3. Develop an internal communications policy that encourages dialogue between management and employees

• Internal communications policy

• Policy implemented and communicated to all new employees

4. Coach employees in change management

• Change management support

• Services offered by the Centre of expertise in change management to key stakeholders involved in SSQ’s transformation projects

• Training workshops on leadership in change offered to managers

• Positioning the notion of change manage-ment in project portfolio management



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ACTION 4 – Take sustainable development principles into account when managing human capital and offer an engaging work environment


1. Examine the results of the different organizational surveys and sustainable development principles in programs related to human resources to offer an engaging work environment and become an employer of choice that consistently promotes equality and employee diversity

• Integration of SDSR principles with company business practises

• Compiling health and wellness data for all of SSQ Financial Group in the spring and fall of 2015 for the HealthWise program

• SSQ Years of Service Award program launched. This is a new activity recognizing employees celebrating a multiple of 5 years of service

• As part of human resources week, the Close-up on Recognition activity invites employees to nominate a colleague using a selfie

• Requalification for the Healthy Enterprise – Elite certification in the fall of 2015

2. Promote health and support employees

• Health promotion and employee support activities

• Maintenance of diversified health programs and initiatives: HealthWise, MobilizAction, Employee Assistance Program (EAP), Recognition Time, and My Career Path portal

• The HealthWise program implemented throughout the Company

• Active enterprise certificate obtained as part of the 2015 SSQ Quebec City Marathon thanks to large employee participation in various marathon events

• Participation in the fundraiser for Les Diabétiques de Québec, helped us raise the sum of $51,190 and hold two diabetes awareness and screening clinics in the workplace



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SOCIAL COMMITMENT

ACTION 5 – Offer products and services that promote responsible behaviours


1. Promote online claims to insureds

• User rates of online services

• Access to online claims for all Privilege individual insurance holders and all group insurance members

• Online claims submitted by insured members up by 122%

• Promotional campaigns for the reimbursement by direct deposit on the transactional website and with targeted groups in group insurance, in order to increase registrations for this service

• Nearly 40% of members using direct deposit for their claim reimbursements

2. Incite and encourage consumers to adopt environmentally friendly behaviours

• Adherence to environmentally responsible products

• In damage insurance, promotion of the Kilo Program and green discounts in marketing activities and ssq.ca website

• Customer service agents promote the importance of accurately estimating mileage in order to save and reduce the environmental footprint

3. Increase the quantity of environmentally responsible products we offer

• Development of new environmentally responsible products

• Online sale of Cancer Insurance, an individual insurance product

• Development of new SSQ travel insurance product distributed by the assurancevoyages.ca subsidiary

• Launch of SSQ PMEs, an eco-responsible product that is 100% online, responding to specific group insurance needs in small businesses

• Growing use of emails over regular mail in auto insurance

• Promotion of a defensive driving course with a discount for SSQauto insurance customers



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ACTION 6 – Integrate environmentally responsible criteria into policies for donations and institutional sponsorships


1. Build on policies for donations and institutional sponsorships that take the sustainable development efforts of applicants into account

• Integration of SDSR in the policies for donations and sponsorships

• Sustainable development criteria being integrated into policies since 2013

• Promotion of our commit-ments in the community

• New partnership agreement between SSQ Financial Group, the city of Longueuil and the promoter Courses Thématiques for the SSQ Longueuil Marathon (Marathon SSQ de Longueuil), the first edition of which will be held in May 2016

• Important fundraising activity of the SSQ Quebec City Marathon raised a total of $101,091 for Mères et monde, a community centre and residence for young single mothers ages 16 to 30

2. Encourage employees to volunteer in order to help communities flourish

• Measures to encourage employee volunteer work

• Large employee participation in the SSQ Quebec City Marathon and fundraising activities for Mères et monde, such as spring clean-up and furniture collection

• Continuation of activities supporting SSQauto’s partnership with Fondation des pompiers du Québec pour les grands brûlés

• Increase in employee contributions to the United Way Centraide campaign

• Agreement concluded to donate any food surplus from company holiday parties to local charities

• Collection of Easter chocolate for the children of Mères et monde and CHU Sainte-Justine

• Hats, socks, mittens, stuffed animals, made by employees for CHU Sainte-Justine children

• Creation of teams of employees for the Longueuil Relay for Life event and the Urban Duathlon for the Fondation CHU Sainte-Justine



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ACTION 6 – Integrate environmentally responsible criteria into policies for donations and institutional sponsorships (cont’d)


2. Encourage employees to volunteer in order to help communities flourish (cont’d)

• Promotion of the Corporate Donations Policy and the directive on supporting the volunteer work done by employees

• Presentation of the Corporate Donations Policy and the directive on supporting the volunteer work to all new employees

3. Invest a portion of our net income in donations

• Percentage of net gains is invested in donations

• 1% of net benefits donated to organizations such as the Fondation de la Maison Michel-Sarrazin, Fondation du CHU Sainte-Justine, Monique-Fitz-Back Foundation, SickKids Foundation of Toronto, United Way Centraide, and Fondation OLO to name just a few

ACTION 7 – Give back to the community through the SSQ Foundation

Gesture Indicator 2015 Report

1. Maintain support for the SSQ Foundation

• Percentage of the capitalization of SSQ Foundation

• 100% of requests for donations and sponsorships now submitted online

• 35% increase in the capitalization of SSQ Foundation



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ACTION 8 – Invest in the next generation


1. Support the establish-ment of a youth co-op with the children of employees

• Establishment of a youth co-op every year

• Every year a group of young cooperators age 11 to 14 take part in the SSQ Youth Co-op (CJSSQ). Two university students are hired to accompany the youngsters in their educational and entrepreneurial venture

2. Consolidate succession planning to ensure the lasting success of operations

• Succession planning • SSQ Succession Plan completed and presented to all managers

• 36 training sessions given by more than 250 managers

3. Promote the SSQ employer brand as employer of choice

• Promotion of the SSQ employer brand

• SSQ chosen by Jobboom as Employer of the month in June

• Presentation of “Best practises in workplace health and wellness: the case of SSQ Financial Group” at the 2015 Management and HR Conference, which profiled the success of the HealthWise program

• Networking events organized in collaboration with several colleges and CEGEPs in the Quebec City and Montreal areas offering damage insurance programs



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ENVIRONMENTAL COMMITMENT

ACTION 9 – Apply social and environmental considerations when acquiring goods and services


1. Apply a policy on responsible goods and services acquisition and a directive on calls for tenders and responsible contracting

• Policy for responsible acquisition of goods and services

• SDSR criteria added to calls for tender for the selection of responsible suppliers

• Agreement concluded with a Quebec coffee supplier, recuperating 100% of coffee grinds

2. Efficiently dispose of residual materials according to the 3R-D that make up the first principle of the Quebec Residual Materials Management Policy: Reduction at the source, Reuse, Recycling and Disposal

• 3R-D internal management plan for residual materials

• Certification obtained for installation of nearly 3,000 square metres of carpet certified 100% carbon neutral at SSQ 2515 in Quebec City and old carpet recycled

• HERE WE RECYCLE! certification for SSQ 2515

• 100% of paper shredded and recycled• 95% increase in computer equipment

donations to Signes d’espoir, a community-based organization that assists the deaf

ACTION 10 – Reduce our greenhouse gas emissions


1. Create an inventory of greenhouse gases (GHGs) produced every year

• Inventory and definition of greenhouse gas (GHG) reduction objectives

• In development

2. Promote alternative means of transportation to driving alone

• Promotion of public transport and carpooling

• 50% of the cost of public transport passes paid by employer: more than 400 employees enrolled in the public transportation program (L’abonne BUS)

• Incentive program developed to encourage use of public transport with a transportation allowance



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ACTION 10 – Reduce our greenhouse gas emissions (cont’d)


3. Include a wider selection of environmentally friendly vehicles in SSQ’s automobile fleet

• Environmental performance of the automobile fleet

• Improved performance of the automobile fleet by reduction of CO2 emissions

• Incentives on purchases of green cars for the automobile fleet

4. Hold carbon-neutral annual meetings (AM)

• Carbon footprint of the annual meeting

• Annually planting of hundreds of trees on behalf of SSQ Financial Group in Peru and in Quebec to offset greenhouse gas emissions related to our annual meeting and to support reforestation efforts and fight climate change. Since 2009, nearly 1,000 trees have been planted with close to a 97% survival rate

ACTION 11 – Reduce our paper consumption


1. Encourage group insurance intermediaries to register for online services

• Intermediary registration rates for direct deposit

• Registration for direct deposit by more than 50% of intermediaries

• Development of payment by direct deposit for a number of healthcare professionals

• Usage rate of e-billing • Usage of e-billing by more than 95% of group insurance groups

2. Implement a new employee awareness program to reduce the use of photocopies

• Measuring reduction in the use of photocopiers and printers

• Support of initiatives to reduce paper use in various sectors of the Company

• Total elimination of administrative report printing



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ACTION 11 – Reduce our paper consumption (cont’d)


3. Replace the My insurance at a glance booklet distributed to group insurance members with an abridged version and an online version

• Production and distribu tion of an abridged version online

• A summary of the booklet is now given to insureds, resulting in an annual 80% reduction in paper use, the equivalent of 2.4 million pages

4. Promote printing on both sides as a standard for all documents

• Percentage of printers capable of printing on both sides

• Two-sided printing programmed by default on 100% of all printers

5. Ensure our Copy Centre maintains its FSC® certification

• FSC® certification of the Copy Centre and a policy on paper supply

• Purchase of FSC® Mix paper, from controlled sources

ACTION 12 – Reduce our water and energy consumption


1. Obtain BOMA BESt® certification for all SSQ-owned buildings to improve their performance and their environmental management

• BOMA BESt® certification • In progress

• Objective to reduce water and energy use

• SSQ Place: upgrade on the electromechan-ical systems completed, improving energy efficiency by 18%. Increasing level of comfort for occupants while cutting energy costs by 15%

• SSQ 2525 and SSQ 2505: 5% reduction in consumption of drinking water annually, compared to average consumption rates

• SSQ 2525 – Laurentian tower: work completed on the electromechanical systems, generating energy savings of more than 6%

2. Obtain LEED® certification for all of SSQ Realty’s construction projects

• LEED® certification • Aiming for LEED® certification for SSQ Tower in Longueuil and all new buildings



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ACTION 12 – Reduce our water and energy consumption (cont’d)


3. The Cité Verte project is raising awareness about the prescribed building methods and leading-edge products used in energy and envi-ronmental management: sustainable architecture, waste materials mana-gement and storm water and wastewater management

• Promotion of Cité Verte’s environmental friendliness

• Awarded real estate prize in the multi-residential category from the Institut de développement urbain du Québec

• Installation of a charging station for electric cars in commercial parking lot, promoting green travel

• Three additional buildings employing an alternative biomass thermal plant. In addition to innovative waste collection process that uses an underground transportation network eliminating use and transport of waste containers on Cité Verte site and resulting in a reduction of over 80% in greenhouse gas emissions



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ECONOMIC COMMITMENT

ACTION 13 – Integrate our sustainable development policy into our business practises


1. Integrate sustainable development indicators into the policy’s progress report

• Progress report • Production of progress report to be shared as a collaborative tool

2. Present an annual report that integrates the SDSR report

• SDSR section integrated in the annual report

• SDSR section—a part of SSQ Financial Group’s annual report since 2013

ACTION 14 – Build on the sustainable and responsible profile of our investments


1. Promote the policy governing socially responsible invest ments adopted in 2006 and improved in 2008, by endorsing the PRI (Principles for Responsible Investment) initiative

• Distribution of the policy on socially responsible investments and training of employees involved

• SSQ Financial Group participated in conference on responsible investing organized by Quebec’s chapter of the PRI network in November

2. Establish targets for change in response to the six PRI principles

• Targets for change in response to the six PRI principles

• SSQ annual report is enhanced by detailing our responsible investing practises

• Introduction of criteria for responsible investment in the selection of external managers for SSQ Funds



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ACTION 14 – Build on the sustainable and responsible profile of our investments (cont’d)


3. Continue with external audits of the Canadian company investment portfolio, with a focus on the responsible aspect of these investments

• External audits and communications to investment committee

• External audit of our investments in Canadian companies, with focus on social responsibility, performed in January and July

ACTION 15 – Ensure the Company’s sustainability through steady growth and reasonable returns

Gesture Indicator 2015 Report

1. Determine reasonable and responsible targets for overall company performance

• Financial indicators • 40.1% growth in individual insurance sales• 4.7% growth in insurance business volume• Assets up by 5.3%• Improvement in expense rate results• Improvement in our financial soundness


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BDG207A (2016-04)

Documents

2015 Sustainable development and societal responsibility ... · NANCA GO 2015 ANNUAL REPORT 5 AWARDS AND CERTIFICATIONS Active Enterprise SSQ obtained the Active Enterprise certification