0001104659-25-056825 Sample Contracts

Aflac Incorporated ¥35,000,000,000 1.726% Senior Notes due 2030 ¥23,400,000,000 2.003% Senior Notes due 2032 ¥9,500,000,000 2.369% Senior Notes due 2035 ¥7,000,000,000 2.779% Senior Notes due 2040 Underwriting Agreement
Underwriting Agreement • June 5th, 2025 • Aflac Inc • Accident & health insurance

Aflac Incorporated, a Georgia corporation (the “Company”), proposes, subject to the terms and conditions stated herein, to issue and sell to the Underwriters named in Schedule I hereto (the “Underwriters”), for whom Mizuho Securities USA LLC, Morgan Stanley & Co. International plc and SMBC Nikko Securities America, Inc. are acting as Representatives (the “Representatives”), an aggregate of ¥35,000,000,000 principal amount of the 1.726% Senior Notes due 2030 (the “2030 Notes”), ¥23,400,000,000 principal amount of the 2.003% Senior Notes due 2032 (the “2032 Notes”), ¥9,500,000,000 principal amount of the 2.369% Senior Notes due 2035 (the “2035 Notes”) and ¥7,000,000,000 principal amount of the 2.779% Senior Notes due 2040 (the “2040 Notes” and, together with the 2030 Notes, 2032 Notes and 2035 Notes, the “Securities”). The 2030 Notes will be issued under the Senior Debt Indenture, dated as of May 21, 2009 (the “Senior Debt Indenture”), as supplemented by the Forty-First Supplemental Inde

AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE FORTY-SECOND SUPPLEMENTAL INDENTURE Dated as of June 5, 2025
Forty-Second Supplemental Indenture • June 5th, 2025 • Aflac Inc • Accident & health insurance

THIS FORTY-SECOND SUPPLEMENTAL INDENTURE (this “Forty-Second Supplemental Indenture”) is made as of the 5th day of June, 2025, by and between AFLAC INCORPORATED, a Georgia corporation, as issuer (the “Company”), and THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., a national banking association, as trustee (the “Trustee”):

AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE FORTY-THIRD SUPPLEMENTAL INDENTURE Dated as of June 5, 2025
Forty-Third Supplemental Indenture • June 5th, 2025 • Aflac Inc • Accident & health insurance

THIS FORTY-THIRD SUPPLEMENTAL INDENTURE (this “Forty-Third Supplemental Indenture”) is made as of the 5th day of June, 2025, by and between AFLAC INCORPORATED, a Georgia corporation, as issuer (the “Company”), and THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., a national banking association, as trustee (the “Trustee”):

AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE FORTY-FIRST SUPPLEMENTAL INDENTURE Dated as of June 5, 2025
Forty-First Supplemental Indenture • June 5th, 2025 • Aflac Inc • Accident & health insurance

THIS FORTY-FIRST SUPPLEMENTAL INDENTURE (this “Forty-First Supplemental Indenture”) is made as of the 5th day of June, 2025, by and between AFLAC INCORPORATED, a Georgia corporation, as issuer (the “Company”), and THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., a national banking association, as trustee (the “Trustee”):

AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE FORTY-FOURTH SUPPLEMENTAL INDENTURE Dated as of June 5, 2025
Forty-Fourth Supplemental Indenture • June 5th, 2025 • Aflac Inc • Accident & health insurance

THIS FORTY-FOURTH SUPPLEMENTAL INDENTURE (this “Forty-Fourth Supplemental Indenture”) is made as of the 5th day of June, 2025, by and between AFLAC INCORPORATED, a Georgia corporation, as issuer (the “Company”), and THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., a national banking association, as trustee (the “Trustee”):