Choose dependable coverage from these leading providers:

Auto and Home

Pet Vision Discount Identity Theft Insurance Program Protection

Explore your options today:

www.addedbenefitsaccess.com 1-800-622-6045

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Explore your voluntary benefits, right inside. RET2019

A network of coverage options, right at your fingertips.

The Added Benefits® Program for Nokia Retirees Get coverage that can evolve to fit your life.

You’ve worked hard for the most important things in life. Make sure everything is covered with the Added Benefits® Program, built specifically for Nokia retirees like you. Explore these voluntary benefits and enjoy access to competitive rates from national carriers, as well as special savings not available to the general public.

Auto and Pet Insurance Protection, peace of mind, Coverage for your furry and perks galore. family members. With the Added Benefits® Auto & Home1 Insurance Program, Your pets are part of the family, so make sure they’re you can rest assured that your car, home, and other personal protected. My Pet Protection® from Nationwide® gives your property are covered for the unexpected. Take advantage pets superior coverage at an unbeatable price. of potential savings on coverage from three of the nation’s leading carriers: Travelers, ® Insurance, and With this plan, you and your pet can benefit from: ® MetLife Auto & Home . • 90% back on vet bills* • Nose-to-tail coverage for accidents and illnesses, Just a few of the perks you’ll enjoy include: including cancer • Competitive rates and special savings on auto, home, • Optional wellness coverage for annual and routine care and renters insurance • Vet visits, no matter where you are • Multi-policy discounts and good-driver rewards • 24/7 VetHelpline available to all members (a $150 value) As a Nokia retiree, you may pay your premiums through your choice of electronic funds transfer (EFT) or direct bill. Plans can be paid through EFT or direct bill. Note: Down payments may be required; use of EFT or direct *Some exclusions may apply. Certain coverages may be subject to pre-existing exclusion. billing may result in service fees. See policy documents for a complete list of exclusions.

Vision Discount Plan Identity Theft Protection Savings you can really focus on. Protect yourself and your loved ones You have access to a variety of valuable discounts on a wide from identity theft range of eye-care services through EyeMed Vision Care. LifeLock™ can help you avoid becoming one of the millions Enjoy discounts on comprehensive eye exams and LASIK that are affected by identity theft throughout the nation. procedures as well as on eyeglasses and contact lenses. LifeLock’s identity theft protection is built with innovative There is no cost to you and no enrollment is necessary! monitoring technology and alert tools that help keep your Search for participating providers, print your ID cards, and credit and finances safe. Visit www.addedbenefitsaccess.com learn more at . www.addedbenefitsaccess.com for more details and to enroll.

To learn more or enroll today: www.addedbenefitsaccess.com 1-800-622-6045

1 Home insurance is not part of MetLife Auto & Home’s benefit offering in FL. Homes in MA may be subject to underwriting review based upon proximity to coast. Homeowners insurance is not currently part of the Travelers new business offering in FL. Home insurance is not available in FL through Liberty Mutual Insurance offered in this program. 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 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. ©2019 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. Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, , 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. ©2019 Liberty Mutual Insurance. MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Fire & Casualty Company, Economy Premier Assurance Company, 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. Policies have exclusions, limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of coverage, contact your local MetLife Auto & Home representative or the company. Met P&C®, MetCasSM, and MetGenSM are licensed in the state of MN. For certain insurance coverage, including MetLife Auto & Home insurance products, a person does not enroll but must apply. ©2019 MetLife Services and Solutions, LLC. L0619515576[exp0522][All States][DC]. 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), Columbus, OH, an A.M. Best A+ rated company (2018); National Casualty Company (all other states), Columbus, OH, an A.M. Best A+ rated company (2018). Agency of Record: DVM Insurance Agency. Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. ©2019 Nationwide. 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 Travelers, Liberty Mutual® Insurance, MetLife Auto & Home®, Nationwide, and EyeMed Vision Care. Nokia is not responsible for its contents.

These products and services are underwritten by any of the following carriers: Travelers, Liberty Mutual® Insurance, MetLife Auto & Home®, Nationwide, EyeMed, or their affiliates. Nokia is not affiliated with Travelers, Liberty Mutual® Insurance, MetLife Auto & Home®, Nationwide, EyeMed, 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 retiree 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 retirees. The cost of implementing and communicating this auto and home insurance program, voluntary pet insurance, and discount vision care, including postage, is paid for by Travelers, Liberty Mutual® Insurance, MetLife Auto & Home®, Nationwide, and EyeMed. All premiums and membership fees will be paid for by the retiree. As a retiree of Nokia, you are not required to participate in this program, and you are free to purchase your auto and home insurance program, voluntary pet insurance, vision care program, and identity theft protection from other companies.