Unit Linked Plan: Charges

*Premium (EUR)	Charge deducted  from premium
– 149,999	4%
150,000 – 199,000	3%
200,000 – 249,000	2.5%
250,000 – 499,000	2%
500,000 – 1,000,000	1%
1,000,000 upwards	0%

*Where the currency of the plan is not EUR currency equivalents apply.

The Unit Linked Plan (Sampo Funds) and the Unit Linked Plan (Storebrand and Delphi Funds) also have a policy charge which is deducted on 31 December each year. The policy charges for 2011 are as follows:

Sampo Funds: Storebrand and Delphi Funds:

EUR 273 NOK 2,231

The policy charge shall be increased each year. The target increase is price inflation in the currency specified. This is a target not a guarantee; the increase in a given year may be higher or lower than price inflation in the currency specified.

The Fund and Management charges are explained in the Fund and Bonus section but are typically as follows:

Handelsbanken Funds: Sampo Funds: Storebrand and Delphi Funds:

between 0.5% and 1.85% p.a. between 0.5% and 2% p.a. between 0.4% and 2% p.a.

The annual Management charges are explained in the Fund Section under each individual Fund (Charges).  The Fund charges may vary.  The charge is reflected in the Unit price of the Fund.