It’s easier to relax with coverage from Added Benefits®

99 Park Avenue, 25th FloorNew York, NY 10016

PRESORTEDSTANDARD

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ROCHESTER, NYPERMIT NO. 491

Voluntary benefits that make life easier for Nokia employeesThe Added Benefits® Program for Nokia employees.

www.addedbenefitsaccess.com

1-800-622-6045

A Simpler Way to Secure Voluntary BenefitsChoosing the right benefits for your lifestyle is a walk in the park with the Added Benefits® Program designed especially for you as a Nokia employee.

Protect the Things That Matter Most in Your LifeWith this selection of voluntary benefits, you could save while covering your pets, your automobiles, your home1, and your identity. Take advantage of competitive rates on reliable coverage and special savings not available to the general public.

Coverage That's Here for You When You Need ItThese voluntary benefits are available year-round, so you may choose to enroll, drop, or change coverage at any time.

Call 1-800-622-6045 or visit www.addedbenefitsaccess.com to explore your full set of voluntary benefits.

Auto and Home1 Insurance

Identity Theft Protection

Pet Insurance

Choose your coverage from these leading carriers.

Providing superior coverage, value, and service for over 160 years.

You can leave worry behind when Liberty stands with you.

Protect your assets with a company you can trustSM.

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Added Protection for Your Furry FriendsYour pets are part of the family, so make sure they’re covered for all the things love can’t fix on its own. With Nationwide® Pet Insurance, you can be prepared for unexpected illnesses, accidents, and trips to the animal hospital.

Give your pets the following benefits:

• Nose-to-tail coverage for accidents and illnesses, including cancer• Your choice of any vet worldwide, even specialists and emergency providers • Optional wellness coverage for annual and routine care

Plans start at just $10 per month, and can be paid through payroll deductions2 (if eligible), electronic funds transfer (EFT), or direct bill.

Call 1-800-622-6045 or visit www.addedbenefitsaccess.com to make sure your pets are covered.

When It Comes to Protecting Your Property, You Have OptionsSecure protection for your auto and home with the Added Benefits® Program. With this offering, you could see special savings not available to the general public on coverage from three of the nation’s leading providers, even if you have an existing policy with one of the carriers.

The Auto & Home1 Insurance Program gives you access to:

• Money-saving discounts, including safe-driver, good-student, and multi-policy discounts

• Competitive rates from up to three leading insurance companies — Liberty Mutual®, MetLife Auto & Home®, and Travelers

• Quick, side-by-side auto quotes with the online Comparative Rater tool• Free, no-obligation quotes from licensed insurance representatives

As a Nokia employee, you may pay your premiums through your choice of payroll deductions2 (if eligible), electronic funds transfer (EFT), or direct bill. Note, some carriers require a down payment and fee associated with EFT or direct bill.

Call 1-800-622-6045 or visit www.addedbenefitsaccess.com to get your free, no-obligation quotes with special savings today.

Pet Insurance Auto & Home Insurance

Keep Your Identity to Yourself with Superior ProtectionWhen it comes to your identity, you can never have enough protection. LifeLock® identity theft protection gives you more than just credit monitoring alone and helps safeguard your good name. As a member, you get alerts† via phone*, email, or text to notify you of suspicious activity, and our award-winning, U.S.-based Identity Restoration Specialists will work to resolve identity theft problems.

• Live Member Support • Proprietary LifeLock Identity Monitoring† • Dedicated LifeLock Identity Restoration Specialists • Million Dollar Protection™ Package‡

Monthly pricing for employees and their families.

Identity Theft

TierLifeLock® Identity Theft Protection

Monthly Cost

LifeLock Ultimate®

Monthly Cost

LifeLock Junior® Plan

Monthly Cost§

Adult (18 and over)

$5.00 per person

$15.00 per person N/A

Children (under age 18) N/A N/A $3.60

per person

1 Home Insurance is not part of MetLife Auto & Home’s benefit offering in MA and FL. Homeowners insurance is not currently part of the Travelers new business offering in FL.

2 You may pay your premiums through evenly distributed deductions from your paycheck, if you are eligible. A separate down payment is required in certain instances.

Insurance terms, definitions, and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies, or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Underwritten by Veterinary Pet Insurance Company (CA), Brea, CA, an A.M. Best A rated company (2013); National Casualty Company (all other states), Columbus, OH, an A.M. Best A+ rated company (2014). Nationwide, the Nationwide N and Eagle, and Nationwide Is On Your Side are service marks of Nationwide Mutual Insurance Company. ©2017 Nationwide.

Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. The program cannot guarantee coverage. A consumer report from a consumer reporting agency and/or motor vehicle report, on all drivers on your policy, may be obtained where state laws and regulations allow. In TX: Auto coverage provided by Liberty County Mutual Insurance Company and home insurance provided by Liberty Insurance Corporation. CA Department of Insurance license number: 0G92799. Liberty Mutual Insurance Company is licensed in MN. Liberty Mutual is an Equal Housing Insurer. ©2017 Liberty Mutual Insurance.

MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, discounts, and policy features vary by state and product, and are available in most states to those who qualify. Met P&C®, MetCasSM, and MetGenSM are licensed in the state of MN. ©2017 MetLife Auto & Home. L0617496384[exp0520] [All States][DC].

Insurance is underwritten by The Travelers Indemnity Company or one of its property casualty affiliates, One Tower Square, Hartford, CT 06183. In TX: Auto insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers company. Coverages, discounts, special program rates or savings, billing options, and other features are subject to availability and individual eligibility. Not all features available in all areas. ©2017 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.

The carriers represented in this mailer operate independently and are not responsible for each other’s financial obligations.

The information in this mailer was provided by Nationwide, Liberty Mutual®, MetLife Auto & Home, Travelers, and LifeLock. Nokia is not responsible for its contents.

These products and services are underwritten by any of the following carriers: Nationwide, Liberty Mutual® Insurance Company, MetLife Auto & Home, Travelers, LifeLock, or their affiliates. Nokia is not affiliated with Nationwide, Liberty Mutual® Insurance Company, MetLife Auto & Home, Travelers, LifeLock, or their affiliates, and does not make any endorsement of, or representation regarding, any product or service provided under this program. None of the products or services under this program qualify as a Nokia-sponsored or administered employee benefit under the Employee Retirement Income Security Act of 1974, as amended. This program is completely voluntary and is offered solely as a convenience to Nokia employees or retirees. The cost of implementing and communicating this voluntary pet insurance, auto and home insurance program, and identity theft protection, including postage, is paid for by Nationwide, Liberty Mutual® Insurance Company, MetLife Auto & Home, Travelers, and LifeLock. All premiums and membership fees will be paid for by the employee or retiree. As an employee or retiree of Nokia, you are not required to participate in this program, and you are free to purchase your voluntary pet insurance, auto and home insurance program, and identity theft protection service from another company.

Payment is made through payroll deductions evenly distributed from your paychecks. Payroll deduction is the only payment option.† LifeLock does not monitor all transactions at all businesses.* Phone alerts made during normal local business hours. § LifeLock Junior enrollment is available as an added membership to an adult LifeLock plan.‡ Million Dollar Protection Package benefits are provided by a Master Policy issued by United Specialty Insurance Company,

Inc. (State National Insurance Company, Inc. for NY State members). The Master Policy provides coverage for Stolen Funds Reimbursement and Personal Expense Compensation, each with limits of up to $25,000 for LifeLock members, and up to $100,000 for Ultimate. If needed, LifeLock will provide lawyers and experts under the Service Guarantee. Please see the policy terms, conditions, and exclusions at: LifeLock.com/legal. © 2017 LifeLock, Inc. All Rights Reserved. LifeLock and the LockMan logo are registered trademarks of LifeLock, Inc.

Call 1-800-622-6045 or visit www.addedbenefitsaccess.com to keep your personal information private.