AFLAC INC

Insider Trading Arrangements

During the fourth quarter of 2025, the following directors or executive officers adopted orterminated a contract, instruction or written plan for the purchase or sale of the Parent Company's securities intended to satisfy the affirmative defense conditions of Rule 10b5-1(c) or a non-Rule 10b5-1 trading arrangement as defined in Regulation S-K Item 408(c):

•On December 1, 2025, Miwako Hosoda, amember of the Company's board of directors, adopted a Rule 10b5-1 trading plan that provides for the sale of 20% of time-based restricted stock shares to be released 1 year after the original grant date. The plan will terminate no later than May 29, 2026. The estimated number of gross shares of Aflac Incorporated common stock to be released is 1,722; however, the actual number of shares released may vary based on dividends accrued prior to the release date.

•On December 4, 2025, Joseph L. Moskowitz, amember of the Company's board of directors, adopted a Rule 10b5-1 trading plan that provides for the sale of 2,400 shares of Aflac Incorporated common stock. The plan will terminate no later than November 13, 2026.

•On December 5, 2025, Masatoshi Koide, President and Representative Director of Aflac Japan, adopted a Rule 10b5-1 trading plan that provides for the sale of 50% of performance-based restricted stock shares to be released upon approval of the Company's board of directors and at least 3 years after the original grant date. The plan will terminate no later than June 30, 2026. The estimated number of gross shares of Aflac Incorporated common stock to be released is 18,605; however, the actual number of shares released may vary based on achievement of designated performance metrics.

•On December 8, 2025, Charles D. Lake II, Chairman and Representative Director of Aflac Japan and President of Aflac International, adopted a Rule 10b5-1 trading plan that provides for the sale of 55.95% of performance-based restricted stock shares to be released upon approval of the Company's board of directors and at least 3 years after the original grant date. The plan will terminate no later than June 30, 2026. The estimated number of gross shares of Aflac Incorporated common stock to be released is 16,116; however, the actual number of shares released may vary based on achievement of designated performance metrics.