Unit Linked Plan: Benefits

The Plan is structured as a whole of life insurance contract and so on the death of the employee, the value of the Plan plus a 1% addition is paid to the employees nominated designated beneficiary. The value of the Plan is determined by the number of units held and the price of a unit which is calculated by the fund manager. The value of the policy is not guaranteed and can go up or down over time.

The employee may want to access capital in part or in full at any time and so the surrender or partial surrender of the Plan is permitted at any time, without charge or penalty, on the understanding that in the case of a partial surrender, the amount withdrawn is greater than Euro 10,000, *US Dollar 12,500, *Swedish Krona 100,000 or **Norwegian Krone 100,000 and the policy value after surrender is above Euro 50,000, *US Dollar 62,500, *Swedish Krona 500,000 or **Norwegian Krone 500,000.

*Handelsbanken Funds only.
**Storebrand and Delphi Funds only.

In addition to capital access, the Plan has the further benefits:

• an employee can currently switch between Funds/Pools without charge and there is currently no minimum amount that can be switched

• an employee can change the designated beneficiary during the term of the policy.

Nordben reserves the right to introduce a switching charge, a minimum amount that can be switched between Funds/Pools. Nordben also reserves the right to amend the monetary amounts listed above.